The purpose of this Disclosure Statement is to inform you of certain rights you have under the Electronic Fund Transfer Act.

1. Use of the Wildcard
   You may use your Wildcard at various locations on the Villanova Campus and its environs which display the Wildcard symbol to:
    
   • purchase food, school supplies, postage stamps, admission to movies and certain events, other goods and services,
   • use vending machines in various locations,
   • use washers and dryers in residence halls and apartment buildings and such other uses as we may add to the service from time to time.
   When you use your Wildcard to purchase goods and services we will deduct the amount from your Wildcard account. You may not withdraw cash from your Wildcard account. All deposits must be made in person, mail, or by the Villanova approved On-Line Deposit system.
2. Limits on the Use of Your Wildcard
   You may use your Wildcard as many times a day as you wish, provided there are sufficient funds in your Wildcard account to pay for the goods or services purchased. You may purchase items up to the full amount available in your Wildcard account at the time of the purchase without limits. If you use all the funds in your account, you must make another deposits and we must collect the funds before your Wildcard may be used for purchases again.
3. How to Contact the Wildcard Office
   If you believe your Wildcard has been lost or stolen or that an unauthorized purchase from your Wildcard account has occurred or may occur, please contact the Wildcard Office immediately:
    
   • Telephone Number: 610.519.6202
   • Write the Wildcard Office at:
     Wildcard Office, Dougherty Hall
     Villanova Universityy
     800 Lancaster Avenue
     Villanova, PA 19085
   If the Wildcard Office is closed, you may report the loss on line at http://www3.villanova.edu/wildcard/services.html or to the Villanova Public Safety Office. If your Wildcard is lost, stolen or damaged, your Wildcard account will be frozen as soon as you report it to us; however, the funds on this account cannot be protected until you report the loss or theft to us. A new Wildcard will be issued to you when you report it lost or stolen. Your account will then be reactivated with the remaining balance from your Wildcard account. If you have activated the Wachovia ATM access on your Wildcard, and your Wildcard has been lost or stolen, you must also contact Wachovia Customer Service at 1.800.326.3862, P.O. Box 563962, Charlotte, NC 28256-3962.
4. No Charges for Transactions
   There are no charges for using your Wildcard. There will be a replacement fee of $25 to replace your Wildcard if it is lost, stolen or $15 if the card is damaged.
5. Records of Transactions
   You will not receive a printed receipt for each Wildcard purchase transaction Which you make, but the amount of the purchase and the remaining amount in your Wildcard account will be displayed at the terminal at the time of the transaction. You may request a statement showing your transactions and the status of your account from the Wildcard Office. Statements will only be issued on request.
6. Liability for Unauthorized Transfers
   Contact The Wildcard Office IMMEDIATELY if you believe your Wildcard has been lost or stolen Telephoning us at 610.519.6202 is the best way of keeping your losses to a minimum. Your Wildcard is like cash and you could lose all your money in the account if you take no action to notify us of the loss of your Wildcard. If you notify us of the loss we will freeze your account immediately at that time. If you notify us of the loss, your liability for unauthorized transfers using your Wildcard will be as follows: a. If you contact us within two (2) business days of the loss or your discovery of the loss, you can lose no more than $50 if someone used your Wildcard without your permission. b. lf someone used your Wildcard without your permission, you could lose up to $500 if you do not contact us within two (2) business days after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
7. Business Days
   Our business days are Monday through Friday. Holidays are not included.
8. In Case of Error or Questions About Transactions
   If you believe there is an error in your account or you have a question about a transaction, telephone us at 610.519.6202 or write to us at: Wildcard Office, Dougherty Hall 800 Lancaster Avenue, Villanova, PA 19085 as soon as you can. You must do the following: . Tell us your name and student identification number; a. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and b. Tell us the dollar amount of the suspect. If you tell us orally, we will require that you send us your complaint or question in writing within 10 business days. After we receive your inquiry, we will tell you the results of our investigation within 20 business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will recredit your account within 20 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your complaint or question in writing within 10 business days of your oral notice, we may not recredit your Wildcard account. If we decide that there is no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred.
9. Disclosure of Account Information
   We will disclose information about your account or the transactions you make to third parties: . Where it is necessary to complete transactions; a. In accordance with your written permission; b. In order to comply with court orders or government of administrative agency summonses, subpoenas, orders, examinations and escheat reports; and/or c. On receipt of certification from a federal agency or department that request for information is in compliance with the Right to Financial Privacy Act of 1978.
10. Our Liability for Failure to Complete an Electronic Fund Transfer Transaction
    If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for damages caused by our failure unless:
    1. There are insufficient funds in your account to complete the transaction through no fault of ours;
    2. Funds deposited to your account have not been collected;
    3. The funds in your account are subject to legal process;
    4. Your card has been reported lost or stolen and you are using the reported card;
    5. We have reason to believe that the transaction requested in unauthorized;
    6. The failure is due to an equipment breakdown which you knew about when you started the transaction;
    7. The failure was caused by an act of God, fire or other catastrophe, or by another cause beyond our control.
    In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors.