CardEx Cost Free Gift Cards™
Frequently Asked Questions



1. Why is CardEx offering a free gift card?
As a leading prepaid debit card provider, CardEx has elected to launch this unique gift card product in order to help our clients reduce costs without sacrificing quality and service.
By pooling resources, using simple, no-frills cards, and encouraging bulk orders from existing (and new) clients, CardEx is able to offer personalized MasterCard gift cards at no additional upfront cost (e.g. at face value). Current and prospective CardEx clients will only pay for the amount of funding value that they wish to have on the cards.

2. What is the catch?
There is no catch. This is just another innovative product line whose time has come. Any of the select Cost Fee gift cards at www.cardex.com may be ordered in quantities of 50 cards / order or more without an initial card fee. Additionally, between now and December 15, 2008, we are waiving all shipping and handling fees for orders above 300 cards (orders of 50-300 cards will be charged our standard $25 S&H Fee)

3. Can the cards be mailed directly to Participants?
All orders are shipped via FedEx in bulk only. The client can then mail them out individually or hand them out to cardholder recipients. This is necessary in order to streamline the process and realize operational efficiencies which enable us to offer Cost-free GiftCards. We have other low cost alternatives available for instances where direct mail to cardholders is a requirement. Please contact a CardEx Account Executive for more detail on other gift card products such as Instant Issue Gift Cards and Corp. GiftCards.

4. Who can take advantage of Cost Free Gift Card?
This product is available to all existing and prospective clients for employee rewards and recognition programs as well as sales promotions, instant rebates or any other application where pre-funded personalized gift cards in denominations of $25-$750 are used.

5. When does it end?
This is a new product that is being tested between now and December 15, 2008. If successful, the program will run indefinitely.

6. What is the minimum card order?
The minimum card order is 50 cards.

7. Is card customization available?
In order to keep the costs down and streamline the process, we are not allowing logo placements on the Cost Free Gift Cards. However, the 4th line embossing, may be used to emboss program name or division name below cardholder name. If partial or full customization is required by any clients, we have several other low cost gift card options available that can be customized.

8. Are the cards personalized?
The cards are personalized with cardholder name but if this info is not available, the client may enter a generic message such as “GiftCard Recipient” for cardholder name.

9. What are shipping fees?
Standard shipping and handling fee of $25 applies to orders of up to 300 cards. Shipping fee is waived for orders over 300 cards between now and December 15, 2008.

10. Does this affect existing programs with clients?
This is not meant to replace existing programs utilizing Corporate Gift Cards, Instant Issue Gift Cards. We will continue to offer our “premium services” such as web site design, graphics, marketing communications, program management, and claims processing just as we have done in the past.

11. What is the card expiration?
The card expire 6 Months after issuance. There will be no returns or refunds on these special priced gift cards.

12. Does the card design or load amount have to be the same for an order of 50 or can we “mix and match” cards?
The design has to be the same for any card order of 50, but it could be different amounts as long as they are $25 or more. A client wishing to order multiple card designs can simply place multiple card orders with minimum of 50 cards/order.