AchieveCard Platinum Plan Terms and Conditions

These AchieveCard Platinum Plan Terms and Conditions are effective as of March 9th, 2013 and are in addition to the terms and conditions contained in the Cardholder Agreement for the AchieveCard Prepaid MasterCard card. These AchieveCard Platinum Plan Terms and Conditions (these "Platinum Terms and Conditions") outline the terms and conditions of your AchieveCard Platinum Plan. By enrolling in the Platinum Plan, you represent and warrant to us that you received a copy of these Platinum Terms and Conditions and you agree to be bound by and comply with the terms hereof.

These Platinum Terms and Conditions are in addition to the terms and conditions contained in the Cardholder Agreement for the AchieveCard Prepaid MasterCard card (the "Cardholder Agreement") and are incorporated into and made a part of the Cardholder Agreement for Platinum Plan enrollees. The terms "we," "us," "our" and "AchieveCard" as used herein refer to Achieve Financial Services, LLC, a Delaware limited liability company. The term "Card" as used herein refers to the AchieveCard Prepaid MasterCard card; the terms "you" and "Cardholder" as used herein refer to a holder of the Card; and the term "Card Account" as used herein refer to a Cardholder's account for an AchieveCard prepaid card. Please read these Platinum Terms and Conditions carefully. Some of the benefits and services of the Platinum Plan are subject to important limitations.

Enrollment and Eligibility

Cardholders may enroll in the Platinum Plan at any time by calling 1-800-486-0273 or online at www.achievecard.com. Your enrollment will become effective on the first day of your next billing cycle. Your billing cycle is defined as every 30 days from date on which you first loaded funds to your Card. Therefore, you may have to wait up to 30 days for the Platinum Plan to take effect. Once your enrollment is effective, the features of the Platinum Plan, as described below under "Platinum Plan Features," may not be available to you for up to 72 hours for administrative reasons. You will receive a confirmation email as soon as the features are available, along with instructions on how to login to your Platinum Plan account online. Further, in order to take advantage of the Achieve ID Theft Protection Program services, you will need to login to your Platinum Plan account online and provide certain additional information to the third party provider of the Achieve ID Theft Protection Program, as described below under the description of this program.

Fees
The monthly maintenance fee for the Platinum Plan is $14.95 per month. All other fees applicable to the Platinum Plan, including, for example, for pin purchase transactions, ATM withdrawals and ATM balance inquiries, are identical to the fees assessed under our standard Gold Plan. All fees assessed by us in connection with the Platinum Plan are deducted from your Card Account available balance. The monthly maintenance fee will be deducted on the first day of each billing cycle. For other important information about the fees charged to your Card Account, please refer to the section in the Cardholder Agreement entitled "Important Information about Fees Charged to Your Card Account."

Cancelling or Switching Fee Plans

You may cancel the Platinum Plan or switch fee plans at any time by calling us at 1800-486-0273. If you choose to cancel, the cancellation will be effective on the first day of your next billing cycle. If you choose to switch fee plans, your new fee plan will become effective on the first day of your next billing cycle. We may cancel your Platinum Plan or switch your fee plan for nonpayment of fees. If you enroll in the Platinum Plan but we are unable to collect your full monthly maintenance fee on your latest billing cycle because you do not have a sufficient available balance, your Card Account will be drawn negative and your fee plan will be switched back to our standard Gold Plan if you do not reload your Card within the next 30 days with a sufficient available balance that allows us to collect any past due monthly maintenance fee. After this 30-day period, you will no longer receive the Platinum Plan benefits of the Achieve Discount Health Plan, Achieve ID Theft Protection and Achieve Roadside Assistance. We will also close your Card Account 90 days after the date of the first negative balance drawn, if your Card Account continuously maintains a negative balance from that date and/or we remain unable to collect past due monthly maintenance fees. For information about the potential cancellation of your Card for nonpayment of fees, please refer to the section in the Cardholder Agreement entitled "Important Information about Fees Charged to Your Card Account". Third Parties; Privacy; Indemnification We contract with the following third party service providers for some aspects of the operation and administration of the Platinum Plan benefits and services: Careington International Corporation; PrivacyMaxx, LLC; and Auto Knight Motor Club, Inc.

(each, a "Third Party" and, collectively, the "Third Parties"). Please see below under "Platinum Plan Features" for more information on each Third Party and their contact information. You understand and agree that we may share your name and contact information with these Third Parties in order for them to provide you the Platinum Plan benefits and services. Some of the Third Parties may ask you for additional information in order to provide the services you request. Please note that if you give personal information to any Third Party, the information will be subject to that Third Party's privacy policies. Please review those privacy policies prior to sharing your information with them. You may request a copy of each Third Party's privacy policy by contacting each Third Party directly at the phone numbers below: Careington: 1-800-290-0523 PrivacyMaxx: 1-800-854-6147 Auto Knight: 1-800-451-0459 By enrolling in the Platinum Plan, you agree to indemnify and hold harmless AchieveCard and each of its affiliated companies, subsidiaries, members, directors, officers, partners, employees, agents, and representatives (collectively, with respect to each party, the "AchieveCard Indemnitees") from and against any loss, damage, liability, or expense, including, without limitation, reasonable attorneys' fees and other legal expenses, which any AchieveCard Indemnitee may suffer or incur or to which any AchieveCard Indemnitee may become subject to the extent arising out of or in connection with the provision of Platinum Plan benefits and services by any Third Party; provided, however, that no AchieveCard Indemnitee shall be entitled to such indemnification with respect to any loss, damage, liability, or expense which is due to its own gross negligence or willful misconduct or where such indemnification would be a violation of applicable law.

Platinum Plan Features

By enrolling in the Platinum Plan, you will benefit from membership in three valuable programs: (1) the Achieve Discount Health Program; (2) the Achieve ID Theft Protection Program; and (3) the Achieve Roadside Assistance Program. Membership in these programs is in addition to the Card features and services available with your AchieveCard, which include: Card Activation, Direct Deposit, Automated Phone System Inquiry, Live U.S Based Customer Support, Online Account Statement, AchieveCard to AchieveCard funds transfer, Bill Pay Service Electronic Payment or Physical Check, and SMS Alerts.

(1) Achieve Discount Health Program

Below is a summary of the services of the Achieve Discount Health Program. All services are provided by Careington International Corporation ("Careington"). Achieve Discount Health Program services are not available in all states. Please see below under "Achieve Discount Health Program - Services" and "Achieve Discount Health Program - Geographic Limitations" for information on states in which the Achieve Discount Health Program services are not available. The Achieve Discount Health Program IS NOT INSURANCE and is not intended to replace insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at www.achievecard.com. Upon request the plan will make available a written list of participating health care providers. Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers.
Family Member Services

Family members of Cardholders may be eligible to participate in the Achieve Discount Health Program. To add a family member to your plan or for assistance using your plan, please call Careington's Member Services at 1-800-290-0523.
Services

The services of the Achieve Discount Health Program consist of the following, subject to the limitations described below in this section and as otherwise set forth in the description of services of the Achieve Discount Health Program, which is available through our website athttp://www.achievecard.com/content/prepaid_plat_health_discounts.aspx (the

"Description of Health Services"). Please read the Description of Health Services carefully, as it includes more information about the services of the Achieve Discount Health Program, including the discounts available, how to obtain the services and important limitations that may apply.

HearPO: hearing care discount plan for hearing-aid services Careington Platinum POS Dental Network: discount plan for dental services QualSight LASIK: discount plan for LASIK vision correction surgery DirectLabs: discount plan for laboratory tests and procedures VSP Choice Access: discount plan for vision services, including eye exams and eye glasses US Imaging: discount radiology and imaging services provided by US Imaging Global Total Health, LLC: discount plan for diabetic testing supplies MedImpact: discount plan for prescription drugs

Limitations, Exclusions & Exceptions

The Achieve Discount Health Program is a discount membership program offered by Careington. Careington is not a licensed insurer, health maintenance organization, or other underwriter of health care services. No portion of any provider's fees will be reimbursed or otherwise paid by Careington. Careington is not licensed to provide and does not provide medical services or items to individuals. You will receive discounts for services at certain health care providers who have contracted with the plan. You are obligated to pay for all health care services at the time of service. Savings are based upon the provider's normal fees. Actual savings will vary depending upon location and specific services or products purchased. Please verify such services with each individual provider. The plan's discounts may not be used in conjunction with any other discount plan or program. All listed or quoted prices are current prices by participating providers and subject to change without notice. Any procedures performed by a non-participating provider are not discounted. From time to time, certain providers may offer products or services to the general public at prices lower than the discounted prices available through this plan. In such event, members will be charged the lowest price. Discounts on professional services are not available where prohibited by law. This plan does not discount all procedures. Providers are subject to change without notice and services may vary in some states. It is the member's responsibility to verify that the provider participates in the plan. At any time Careington may substitute a provider network at its sole discretion. Careington cannot guarantee the continued participation of any provider. If the provider leaves the plan, you will need to select another provider. Providers contracted by Careington are

solely responsible for the professional advice and treatment rendered to members and Careington disclaims any liability with respect to such matters.
Termination Conditions

Careington reserves the right to terminate plan members from the Achieve Discount Health Program for any reason.
Questions and Complaints

If you have questions about the Achieve Discount Health Program, please contact Careington's Member Services directly at 1-800-290-0523. If you would like to file a complaint regarding your Achieve Discount Health Program membership, you must submit your complaint in writing to: Careington International Corporation, P.O. Box 2568, Frisco, TX 75034. You have the right to request an appeal if you are dissatisfied with the complaint resolution. After completing the complaint resolution process, if you remain dissatisfied you may contact your state insurance department.
Geographic Limitations

Achieve Discount Health Program services are not currently available outside of the United States or in the following states: Florida, Montana, Utah, Vermont and Washington. If you anticipate seeking health services in any of these states, you will not be able to use the Achieve Discount Health Program for those services. Additional geographic limitations may apply for specific services within the Achieve Discount Health Program. Specifically, DirectLabs services are not available at all in Hawaii, Maryland or Massachusetts, and North Dakota and South Dakota offer Specialty Lab testing only; US Imaging services are not available in Hawaii or Wyoming.

(2)Achieve ID Theft Protection Program

Below is a summary of the benefits and services of the Achieve ID Theft Protection Program. All benefits and services are provided by PrivacyMaxx, LLC ("PrivacyMaxx"). In order to take advantage of the Achieve ID Theft Protection Program services for the first time, you will need to login to your Platinum Plan account online and activate your identity monitoring account at http://promos.privacymaxx.com/achievecard. To activate your account you will need to provide certain additional personal information

to PrivacyMaxx and agree to abide by PrivacyMaxx's Terms of Service (the "PrivacyMaxx Terms of Service"), which can be accessed through the Platinum Plan section of our website and at www.privacymaxx.com/terms-of-service, and which apply to the Achieve ID Theft Protection Program in addition to these Platinum Terms and Conditions. Please read the PrivacyMaxx Terms of Service carefully, as they contain important information about the Achieve ID Theft Protection Program benefits and services, and applicable limitations and exclusions.
Family Member Benefits

Qualifying family members of Cardholders may also be eligible to participate in the Achieve ID Theft Protection Program. To add a family member to your plan or for assistance using your plan, please contact PrivacyMaxx directly at 1-800-854-6147. If you elect family coverage, a qualifying family member shall mean the primary member's spouse or domestic partner, the member's dependents under the age of twenty-five (25) who have the same permanent address as the member, any handicapped adult living in the same household with the member who requires assistance from the family to manage their affairs, and parents (mother or father) of the member or their spouse or domestic partner who have the same permanent address as the member, or who are registered in a senior assisted living facility, skilled nursing home, hospice, or who have been deceased for twelve (12) months or less. If you request enrollment of a child, you will be required to verify your status as the child's parent or guardian by providing documents reasonably requested by PrivacyMaxx, including, without limitation, the child's social security card and birth certificate, valid proof of your identification and proof of your residence.
Benefits

The benefits and services of the Achieve ID Theft Protection Program consist of the following, subject to the limitations described below in this section and as otherwise set forth in the PrivacyMaxx Terms of Service. Additional details about these product and services are available through the PrivacyMaxx website at www.privacymaxx.com. Recovery Services are provided by PrivacyMaxx or an approved PrivacyMaxx vendor. Eligibility for recovery services is based on identity theft events that are discovered and reported to PrivacyMaxx during the eligibility period. If you were the subject of a stolen identity event prior to the effective date of your enrollment for recovery services, you are not eligible to purchase the recovery services offered by PrivacyMaxx. If you are coping with a known identity theft event at the time of enrollment, you may call PrivacyMaxx's Customer Service department at 1-800-854-

6147 to receive a quote on recovery services appropriate for your situation. Businesses are not eligible for recovery services benefits. PrivacyMaxx does not provide credit counseling or repair to credit that legitimately belongs to the primary member, their spouse or significant other. The successful completion of the recovery services described herein depends on the cooperation of the member. As used herein, a "stolen identity event" is defined as the theft of your personal identification, social security number, or other method of identifying you, including any personal information not generally available to the public, which has resulted or could reasonably be said to result, in the wrongful use of such information, including, without limitation, stolen identity events occurring on or arising out of your use of the Internet.

Fraud Expense Reimbursement Insurance consists of a $25,000 no deductible personal insurance policy that covers you against a loss incurred through an identity theft incident. Coverage is provided by a leading insurance company in the United States. Internet Identity Monitoring monitors social medial and black market Internet sites, criminal chat rooms and other high risk Internet sites where your personal information may be offered for sale to identity thieves. The service uses highly sophisticated search and data gathering technology to harvest suspicious information stored or displayed on these sites. It is then matched against your personal information and other credentials provided by you utilizing a combination of human intelligence and highly effective data matching algorithms. Alerts are sent to you by email or text message whenever your information is found to be at risk on the Internet. Lost Document Replacement Service provides assistance to you by a PrivacyMaxx Recovery Advocate to cancel or replace lost documents such as credit cards, debit cards, licenses, passports and other government issued documents. Name and Address Identity Monitoring monitors millions of public and private database records to identify possible instances of fraud and will alert you of changes which may indicate an identity thief is using your information. Court Records Monitoring monitors millions of civil records and alerts you if a record is found that contains your personal information.

Privacy

Please note: in order to obtain the Achieve ID Theft Protection Program benefits from PrivacyMaxx, you will need to provide PrivacyMaxx with certain personal financial information, such as your social security number, credit card information and other personal information. This information will be subject to PrivacyMaxx's privacy

policy. Please review the PrivacyMaxx privacy policy before you do so, as PrivacyMaxx is solely responsible for maintaining the security and privacy of any information you provide to them. AchieveCard has no responsibility or liability for the security or privacy of any information you provide to PrivacyMaxx or any Third Party. A copy of PrivacyMaxx's privacy policy is available through the Platinum Plan section of our website and at www.privacymaxx.com/privacy_policy.
Limitations, Exclusions & Exceptions

The following general exclusions apply: Fraud Expense Reimbursement Insurance: These Platinum Terms and Conditions do not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by any insurance company used to provide any coverage under the Achieve ID Theft Protection Program. We make no representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

Geographic Limitation: Only pays for losses incurred in the United States. Dishonest Acts: Any dishonest, criminal, malicious or fraudulent acts if the insured that suffered a loss personally participated in, directed, or had prior knowledge of such acts. Bodily Injury: Any physical injury, sickness, disease, disability, shock, mental anguish, and mental injury, including, required care, loss of services or death at any time resulting there from. War: Strikes or similar labor action, war (whether declared or not), or any act or condition incident to war. War includes civil war, insurrection, act of foreign enemy, civil commotion, factional civil commotion, military or usurped power, rebellion, revolution, invasion, hostilities or warlike operations or mutiny. Pollution: Claims alleging or arising out of the presence of or the actual, alleged or threatened discharge, dispersal, release or escape of pollutants (including nuclear materials), or any direction or request to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, or in any way respond to or assess the effects of pollutants.

Further, PrivacyMaxx shall not be obligated or responsible for providing any Achieve ID Theft Protection Program services for any request based on: (i) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you; (ii) authorized charges that you have disputed based on the quality of goods

or services; (iii) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions; (iv) losses, damages or expenses arising out of any business pursuits; (v) losses, damages or expenses that were incurred or commenced prior to the effective date of your enrollment in the Achieve ID Theft Protection Program; or (vi) theft, loss or damage related to, without limitation, traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, passports, documents or real property.
Termination Conditions

PrivacyMaxx reserves the right to cancel your membership in the Achieve ID Theft Protection Program if it is deemed that the member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. PrivacyMaxx will not refuse or terminate services based solely on the complexity of the case.
Questions and Complaints

If you have questions or complaints about the Achieve ID Theft Protection Program, please contact PrivacyMaxx directly via the following methods: Phone: (toll free) 800-854-6147 Email: help@privacymaxx.com Postal Mail: 15849 N. 71st. Street, Suite 100, Scottsdale, AZ 85254

(3) Achieve Roadside Assistance Program.

Below is a summary of the terms of the Achieve Roadside Assistance Program. All benefits and services are provided by Auto Knight Motor Club, Inc. ("Auto Knight").
General Information

As a member of the Achieve Roadside Assistance Program, all benefits are available to you up to a $75.00 per occurrence benefit limit without any additional payments. Members are responsible for any non-covered expenses. Members will be permitted an aggregate (total) of benefit occurrences that are covered by the Achieve Roadside Assistance Program of up to three (3) covered occurrences per membership year. Your membership will begin on the date shown on your membership card and will continue until the date of expiration shown, unless cancelled. The Achieve Roadside Assistance Program membership is not transferrable. If Auto Knight

performs any non-covered services or services in excess of $75.00 in cost per occurrence, or if you contact Auto Knight for services after three (3) occurrences in a membership year, Auto Knight will bill you directly for such services.
Coverage Conditions

The Achieve Roadside Assistance Program is available throughout the United States, 24 hours a day, 365 days a year. You will only have to pay for any costs in excess of the $75.00 per occurrence limit plus any non-covered costs. The following conditions must apply to qualify for coverage for covered emergencies:

Membership benefits extend to the Cardholder member only. For Emergency Roadside Assistance call Toll-Free (800) 451-0459 on the membership card, and a service vehicle will be dispatched to your assistance. Important: Please be with your vehicle when the service provider arrives, as they cannot service an unattended vehicle. You will be charged a fee for any unattended service attempts. Service provided must be a covered benefit of the Achieve Roadside Assistance Program as described herein. Note: Assistance obtained through any source other than Auto Knight is not covered and is not reimbursable. Your Achieve Roadside Assistance Program membership must be active, and you must contact Auto Knight directly for service. In the event that Auto Knight is unable to provide service, upon your written request you will be authorized by Auto Knight to obtain service from another service provider. In this event, you will be reimbursed for any payments made for authorized covered services up to the specified benefit limits. Otherwise, service secured through any source other than Auto Knight will not be reimbursed.

Benefits

The benefits and services of the Achieve Roadside Assistance Program consist of emergency roadside assistance throughout the United States, 24 hours a day, 365 days a year. To receive emergency roadside assistance you must call Auto Knight at 1-800451-0459, and a service vehicle will be dispatched to your assistance. The following are covered emergency roadside assistance benefits, subject to the $75.00 per occurrence limitation, the aggregate covered occurrences limitation and the other limitations and exceptions described in this section:

Towing Assistance: When towing is necessary, your disabled vehicle will be towed up to 10 miles to the nearest qualified service facility. Battery Service: If a battery failure occurs, a jump start will be applied to start your disabled vehicle.

Flat Tire Assistance: Service consists of the removal of the disabled vehicle's flat tire and its replacement with the spare tire; if no spare is available, vehicle will be towed to nearest service facility (under the limits of the towing benefit). Gasoline, Oil, Fluid and Water Delivery Service: An emergency supply of up to three (3) gallons of gasoline, oil, fluid and water will be delivered to your vehicle if the vehicle is in an immediate need. You must pay for the fuel or other fluid when it is delivered. Lock-out Assistance: If your keys are locked inside your vehicle, Auto Knight will provide for assistance gaining entry to the vehicle.

The following items are not included as part of the emergency Roadside Assistance benefit and you will be separately charged for any such services: Coverage shall not be provided in the event of emergencies resulting from the use of intoxicants or narcotics, or the use of the vehicle in the commission of a felony. Cost of parts, replacement keys, fluids, lubricants, or cost of fuel, material, additional labor relating to towing, or the cost of installation of products. Non-emergency towing or other non-emergency service. Any service available through a valid manufacturer's warranty or service. Non-emergency mounting or removing of snow tires or chains. Shoveling snow from around a vehicle. Tire Repair. Extrication. Winching. Motorcycles, trucks over one and a half ton capacity, antique vehicles (meaning vehicles over 20 years old or out of manufacture for 10 years or more), taxicabs, limousines, or other commercial vehicles. Recreational Vehicles (RVs), camping trailers, travel trailers, or any vehicles in tow. Any and all taxes or fines. Damage or disablement due to fire, flood or vandalism. Towing from or repair work performed at a service station, garage or repair shop. Towing by other than a licensed service station or garage; vehicle storage charges; a second tow, or other benefit related to the same occurrence. Service on a vehicle that is not in a safe condition to be towed or serviced that may result in damage to the vehicle if towed or serviced. Towing or service on roads not regularly maintained, such as sand beaches, open fields, forests, and areas designated as not passable due to construction, etc. Towing at the direction of a law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law. Repeated service calls for a vehicle in need of routine maintenance or repair. Only one disablement for the same service type during any seven-day period will be accepted. Services received independently from Auto Knight without prior authorization from Auto Knight. Only three (3) covered occurrences are provided per membership year.
Limitations, Exclusions & Exceptions

THE ACHIEVE ROADSIDE ASSISTANCE PROGRAM IS A MOTOR CLUB MEMBERSHIP. IT IS NOT AN AUTOMOBILE LIABILITY INSURANCE

CONTRACT (EXCEPT IN WISCONSIN) OR AN AUTOMOBILE PHYSICAL DAMAGE INSURANCE CONTRACT.

Termination Conditions

Auto Knight reserves the right to cancel your membership in the Achieve Roadside Assistance Program for fraud or material misrepresentation on your part, which cancellation will be effective thirty (30) days after delivery or first-class mailing of a written notice to you.
Questions and Complaints

All Achieve Roadside Assistance Program membership services are provided by Auto Knight, administrative offices at 1009 N. Palm Canyon Drive, Palm Springs, CA 92262. If you have questions about the Achieve Roadside Assistance Program, please contact Auto Knight directly at 1-800-451-0459. In the event that service is not obtainable through Auto Knight, upon your written request you may receive a refund of payments made for services received independently according to the coverage limits outlined herein. You must first contact Auto Knight for authorization to obtain independent services. You have the right to file a compliment or complaint by submitting a written letter to Auto Knight's Membership Department at 1009 N. Palm Canyon Drive, Palm Springs, CA 92262; contacting a representative by calling toll-free 1-800-451-0459; or via Auto Knight's website at www.autoknight.com.

Information/Questions
If you have questions about any of the Platinum Plan features described above, please contact the provider for the feature about which you have questions directly, at the contact information provided above under the descriptions of each feature.

Amendment
We may amend or change the terms and conditions of these Platinum Terms and Conditions at any time. You agree that we may notify you of any changes by posting the amended Platinum Terms and Conditions on our website (www.achievecard.com) prior to the effective date of the change (unless applicable law requires another form

of notification). However, if the change is made for security purposes, we can implement such change without prior notice. Also, the Third Party service providers may modify or discontinue their services and offerings from time to time. You can always access the current details about the Platinum Plan benefits and services through the Platinum Plan section of our website athttp://www.achievecard.com/content/prepaid_plat_home.aspx.

Arbitration Provision
You agree to settle any dispute (as defined in the Cardholder Agreement), including but not limited to those relating to the Platinum Plan, by arbitration, to the extent and as set forth in the Cardholder Agreement in the section entitled, "Arbitration Provision," which arbitration provision is incorporated herein and made a part of these Platinum Terms and Conditions.

Governing Law
These Platinum Terms and Conditions are governed by the laws of the State of Texas except to the extent governed by federal law, or except as otherwise provided herein.

External Website Links

Except as otherwise specifically set forth herein, references to our website and other Internet addresses are provided for reference only, and such links, and the information provided on such websites and through such links, are not part of these Platinum Terms and Conditions or incorporated by reference herein in any way.

Incorporation into Cardholder Agreement

These Platinum Terms and Conditions are in addition to the terms and conditions contained in the Cardholder Agreement and are incorporated into and made a part of the Cardholder Agreement for Platinum Plan enrollees. In the event of a conflict between these Platinum Terms and Conditions and the Cardholder Agreement, the Cardholder Agreement controls.