General Questions

Q: What is the CardEx IncentiveCard Program?
A: The CardEx IncentiveCard Program provides corporations with a complete, turnkey solution to their performance improvement needs, while also capitalizing on the growing, year-round popularity of prepaid cards. The IncentiveCard is a debit card bearing the Visa or MasterCard logo and is used as a reward in corporate incentive programs. The card obtains its value when it is loaded with points (dollars), based on performance criteria established by the client. The recipients can spend their IncentiveCard earnings at any merchant that accepts Visa or MasterCard cards. Sample applications of the CardEx IncentiveCard Program are:

	Sales and Marketing Incentives - Motivate and recognize sales staff or dealers and distributors
	Employee Programs - Recognize individual or team performance for increased productivity or increased revenue due to employee suggestions
	Safety and Compliance Programs - Encourage employees to practice safe job behavior and save on worker's compensation insurance
	Consumer Promotions - Rebate programs, brand loyalty programs or gift with purchase programs

The Program is a proven, turnkey solution that will enable your business to improve revenue streams, build customer loyalty, acknowledge employees or promote safety.

Q: Who is CardEx?
A: Since 1995, Card Express, Inc. (CardEx) has been a pioneering presence in prepaid debit card sales and support with a strong emphasis on infrastructure and technology innovation.

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Q: What are the key features of the IncentiveCard Program?
A: The IncentiveCard is a prepaid debit card featuring either the MasterCard or Visa logo. It is used as a reward in corporate incentive programs. The card obtains its value when it is loaded with points (dollars) that are awarded according to performance criteria established by the client. Points can be reloaded on a weekly, monthly, or quarterly basis, and the card may have an expiration date of up to three years from the program launch. Additionally, the card is embossed with the recipient's name and bears the issuing company's logo. The cardholder can spend their IncentiveCard earnings at any merchant accepting Visa or MasterCard. Recipients receive monthly statements describing their activity and their year to date earnings. Corporate clients receive monthly reports detailing their program and allowing them to track and measure program results.

Q: What CardEx services are provided with the program?
A: CardEx offers a comprehensive array of services to support the IncentiveCard program, including:

	Program Consultation and Design
	Program Administration
	Marketing Communications and Consultation
	Training
	Award Fulfillment
	Program Evaluation

Q: Does the IncentiveCard have a standard design and packaging?
A: Yes, each CardEx IncentiveCard is presented and secured in its own card carrier. Cards are available in a variety of attractive designs, and for your convenience, all the latest designs are featured in our GiftCard "gallery" at www.CardEx.com/Incentivecards.aspx.

Q: Can we customize the IncentiveCards with our corporate logo?
A: Yes, CardEx offers partial and full customization:

	Partial customization is available for an initial setup fee of $500 per logo. You must send your logo in EPS file format to CS3@CardEx.com for digitization. EPS artwork files contain specific color information that will help ensure your logo's image quality when it's professionally printed on the IncentiveCards. Once you've sent your logo, please allow 2-3 weeks for approval by the Networks and for digitization processing.
	Full customization is also available for an initial setup fee of $5,000 per design. Once we receive your artwork files, the full customization process includes: - Printing press setup - Plate setup and plate changes - Card proofs - Card proof shipping and handling - Visa or MasterCard approval for card proof - Secured card shipment to our fulfillment facility

Q: What is the process for funding the IncentiveCards?
A: Once a client decides to offer an IncentiveCard program, they will determine its rules and parameters, including its:

	Recipient list
	Funding Method
	Load Amount Limits
	Card design, packaging and distribution

The corporate client then sets up its IncentiveCard program via their customized web Portal and funds the cards individually or through a batch process via file or ACH. Subsequent funding to the IncentiveCards would work in the same manner.

Q: When do IncentiveCards expire?
A: CardEx IncentiveCards are marketed with up to 3 year expiration dates. If the card expires, the card recipient can extend the life of the card for another year. However, service fees and renewal fees will be applied.

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Using IncentiveCards

Q:How is the IncentiveCard activated?
A: The cardholder simply selects either of these options to activate their IncentiveCard:

	Visit www.MyCardEx.com. Click on "Activate Card." Enter the 16-digit Card Number followed by their personal Access Code. Press the "Activate" button, OR
	Call CardEx Customer Service toll-free at +1.888.801.3770 to speak with a live Customer Service Representative.

Q: What if the IncentiveCard is ever lost or stolen?
A: The cardholder must immediately report a lost or stolen card to Customer Service at +1.888.801.3770. They can call 24-hours a day, seven days a week. A replacement card will be sent to the cardholder, minus a reissue fee that will be deducted from the card balance. As long as the lost or stolen card is reported immediately, the cardholder will not be responsible for any unauthorized charges. Please remind all card recipients to review the terms and conditions issued with the card, for additional information.

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Q: Can a CardEx IncentiveCard be used for online purchases?
A: Yes, CardEx IncentiveCards can be used to shop online. When shopping online, cardholders are eligible for merchant discounts offered through Visa at www.Visa.com. MasterCard offers discounts at www.MasterCard.com.

Q: What happens if the cardholder needs to return an item?
A: Each merchant location has its own return policies and will handle the returns in the same manner as any other MasterCard or Visa transaction. They may credit the IncentiveCard, provide a cash refund or issue a store credit.

Q: How can the cardholder check the IncentiveCard balance?
A: It is wise to periodically check the account balance. The cardholder can pick either of these easy ways to find out their account balance:

	Visit www.MyCardEx.com. Click on "Card Balance." Enter the 16-digit Account Number followed by their personal Access Code. Press the "Check Balance" button, OR
	Call CardEx Customer Service toll-free at +1.888.801.3770. The cardholder will be connected to our 24/7-automated service or they can opt out of the automated system to speak with a live Customer Service Representative.

Q: Can they track where they have used their IncentiveCard?
A: Yes, here's how they can obtain their transaction history:

	Visit www.MyCardEx.com. Click on "Transaction History." Enter the 16-digit Account Number followed by their personal Access Code. Press the "View History" button, OR
	Call CardEx Customer Service toll-free at +1.888.801.3770 to speak with a live Customer Service Representative.

Q: Can the cardholder pay their credit card bills with their IncentiveCard?
A: Credit card, utility, or other companies that accept a debit card as a form of payment will be able to accept the IncentiveCard. Ultimately, using CardEx debit cards, instead of regular credit cards, will save you the expense of potentially high credit card interest or other charges.

Q: Can CardEx IncentiveCards be used at ATM's or POS terminals?
A: Yes, they can. The card recipient can call CardEx at +1.888.801.3770 or visit our website at www.MyCardEx.com to request a PIN before using the cards at ATM or POS terminals. The maximum daily cash withdrawal for CardEx GiftCards is $300 per day. Additional charges apply for PIN-based transactions and inquiries.

Q: Can the card recipient perform a cash advance with their IncentiveCard?
A: Yes. However, typically a cash advance fee of 2% may apply - although this amount varies by bank. In some cases, IncentiveCard users may elect to call CardEx at +1.888.801.3770 to request a PIN, and subsequently, withdraw cash from an ATM.