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Prepaid Visa Gift Cards

Looking for the perfect gift for any occasion? A Community Bank & Trust Visa Gift Card can be the perfect gift for any occasion – birthdays, wedding, graduations, holidays…AND it’s also a secure way to pay for everyday purchases when you’re traveling or just shopping.

• Denominations are available from $10-$750
• The Community Bank & Trust Visa Gift Card is accepted world-wide everywhere that Visa is accepted and is backed 100% by purchase protection available through Visa.
• Unlike your credit or debit card, purchases using your Community Bank & Trust Gift Card will be automatically deducted from the card’s programmed value.

Stop in at any Community Bank & Trust locations to purchase your card.

Once you purchase your gift card

1. Read the Terms and Conditions document you received with your card.
2. Register your card: visit www.MyCardEx.com or call 1.888.801.3770.
3. Start shopping at your favorite or Visa merchant.

The Basics: Powering Up Wisely

These basic facts and tips will help ensure the most memorable Community Bank & Trust Gift Card Experience:

• Prepaid Value: The prepaid value of your card is your spending limit. If for any reason (e.g., you’ve made a purchase or two) you’re unsure of your card’s remaining value, then take a moment to access your account balance. It’s quick and you can do it anytime. Simply visit www.MyCardEx.com or call 1.888.801.3770. By checking your balance regularly, you’re better prepared for each transaction.
• In-Store Purchases: When you’re ready to make a purchase, hand your Community Bank & Trust Gift Card over to the store cashier or sales associate. They’ll run it through their machine to capture the necessary card account information. Some stores may require you to personally swipe your Community Bank & Trust Gift Card. That’s fine, go ahead. Your information will be captured, and remember, such instances do not require a PIN number to make purchases.
• No Cash Back: You will not receive cash back on your purchases. Your Community Bank & Trust Gift Card is prepaid. This means that with each purchase, that exact purchase amount is deducted from your available balance until that balance reaches zero. For example, if your available balance is $50 and you buy a $40 shirt, the resulting $10 difference will remain on your card for future use. However, if the shirt you desire costs $60, that exceeds your available balance by $10, and your card will be declined. However, you can still buy the shirt. You’ll have to make up the $10 difference by combining payment methods; your Community Bank & Trust Gift Card, plus whatever payment method the store typically accepts – cash, credit card, check, etc. Try to maintain an awareness of your available balance. This will let you know in advance, if you’ll ever have to combine payment methods. Also see “Declined Cards,” below.
• Online Purchases: Here’s where the power in your hand extends to your fingertips. Point and click toward your favorite online merchants. When you find something you like, type in the required Community Bank & Trust Gift Card information to seal the deal.
• Declined Cards: If a merchant declines your Community Bank & Trust Gift Card, it’s possible that the card has insufficient funds. The best way to avoid this situation is to check your available balance in advance of trying to use your card. Before you leave home, take a moment to visit www.MyCardEx.com or call 1.888.801.3770. In the event that your card is declined, but you’re confident that sufficient funds exist, please give us a call. We’ll be happy to review your account information. Also see “In-Store Purchases” and “Power at the Pump."
• Lost/Stolen/Destroyed Cards: Don’t let anything or anyone disrupt your Community Bank & Trust Gift Card Experience. If your Community Bank & Trust Gift Card is ever lost, stolen, or destroyed, immediately call Customer Service at 1.888.801.3770; 24-hours a day, seven days a week. A replacement card will be sent to you, minus a reissue fee that will be deducted from the card balance. As long as the problem is reported immediately, you will not be responsible for any unauthorized charges. Please refer to the Terms and Conditions document provided with your Community Bank & Trust Gift Card for additional information.
• Registration: Enhance your power and give yourself peace of mind for the entire life of your Community Bank & Trust Gift Card – register your Community Bank & Trust Gift Card at www.CardEx.com. Registering is as easy as typing in your e-mail address and a password. Most importantly, registering your card allows an on-line merchant to verify your address and process your Internet order. In addition, it secures the value of your card if it’s ever lost, stolen, or destroyed. If something happens to your registered card, report the problem to 1.888.801.3770; 24-hours a day, seven days a week. We’ll freeze the remaining balance on your missing card at the time of your call, and mail you a replacement card.

Power Drain: Gift Card Expiration

Amazingly, instead of using their purchasing power, some people lose it. Don’t let your Community Bank & Trust Gift Card Experience end before it begins. Your Community Bank & Trust Gift Card is valid until the expiration date listed on the card. Please review and save your Community Bank & Trust Gift Card’s Terms and Conditions for more information. Make a mental note of the expiration date, but also keep this form in a safe place for future reference.

Beyond the expiration date, a monthly maintenance fee of $5.00 will be assessed beginning in the seventh month after the card issue date, and continuing until the remaining value is depleted.

If you still have funds available at expiration, you can either request a new Community Bank & Trust Gift Card or a refund check. We will issue a new Community Bank & Trust Gift Card and mail it to you with the remaining balance on your account, minus a Gift Card Issuance Fee. If you choose to receive a refund check, your remaining funds – minus a Check Issuance Fee – will be distributed by check within four to six weeks.

Please review the Terms and Conditions document for additional information on card fees.

Power at the Pump? Power Lunch?

Your Community Bank & Trust Gift Card can be used at gas stations and restaurants. Please note however, that these establishments deduct funds from your card differently than others. Specifically, when paying at the pump, the pump automatically authorizes a pre-defined amount (typically $25-$50) on your GiftCard, regardless of your purchase amount. This pre-defined amount is "held" until the actual authorization amount has settled (up to 5 days). Once the actual authorization has settled and your card debited, the pre-authorized amount is credited back into your account. To avoid any delays, present your Community Bank & Trust Gift Card directly to the gas station attendant, rather than using the automated pumps.

Restaurants program their card terminals to account for the food server's tip amount (usually between 15%-25%) based on a percentage of the total food bill. The purpose of this is to ensure that you have funds available to cover the total of your food bill plus tip. You won't be charged this "up charge" should you pay a different tip amount or pay the tip in cash (your Community Bank & Trust Gift Card balance will reflect the total that you sign on the restaurant receipt). Also, in addition to the amount the restaurant programs, many food servers unknowingly "up charge" the food bill again. Thus, the final attempted amount for authorization (food bill, including tip) can sometimes exceed your available Community Bank & Trust Gift Card balance, leading to your card being declined. To avoid the "up charge" at restaurants, consider keeping your food bill less than 50% of your Community Bank & Trust Gift Card balance or simply restrict your Community Bank & Trust Gift Card use to purchases at retail stores.

If you have any questions about your Community Bank & Trust Gift Card experience, please feel free to contact any Community Bank & Trust location at 920.459.4444 or 888.582.4440.

We want this to be a memorable experience for you!