CARDHOLDER AGREEMENT AND DISCLOSURE

RevUpCard™ Prepaid MasterCard®

This Cardholder Agreement and Disclosure (“Agreement”) is by and between Palm Desert National Bank (“Bank”), ECard Services, LLC (“RevUpCard”), and the Cardholder. In this Agreement, “Cardholder”, “you” and “your” means the person or persons who have received the Card and are authorized to use the Card as provided by this Agreement. “We”, “us” and “our” mean RevUpCard, our successors, affiliates or assignees or the Bank.

This Agreement covers your rights, our rights, and rights of our affiliates and representatives, relating to your election to participate in the RevUpCard Program (“Program”), and the issuance to you, and your use of, the prepaid RevUpCard MasterCard (“Card”). The RevUpCard Prepaid MasterCard is issued by Palm Desert National Bank pursuant to a license by MasterCard International Incorporated.  RevUpCard is a Member Service Provider of Palm Desert National Bank.  Palm Desert National Bank is a member of the Federal Deposit Insurance Corporation (“FDIC”) and all cardholders funds are insured by the FDIC in accordance with the FDIC’s applicable terms and conditions.  MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated (“MasterCard”). RevUpCard is a registered trademark of ECard Services, LLC, a California limited liability company.

By using, or authorizing any other person to use, your Card you hereby understand and agree to the following terms and conditions:

1. Receipt of Payment via the Card. Your company (“Company”) will move funds due to you (“Funds”), to a pooled account maintained at the Bank. You can in turn access your Funds through your use of the Card. You may access the Funds via the Card at any retail location that accepts MasterCard debit cards.

2. Availability of Funds. Funds will become available to you via the Card after your Company has moved those Funds to the Bank and the funds have been loaded on the Card. You may use your Card only to the extent that you have available Funds. The Card is not a credit line or a credit card, so you will not be permitted to make purchases that exceed the balance on your Card. We are not responsible for any delay in loading Funds or failure to load Funds to your Card caused by your Company. You can call us at (866) 345-1892 or visit our website http://www.revupcard.com/myaccount (“MyCardPlace”) to determine whether a transaction has occurred or to get your current Card account balance.

3. No Interest on Your Funds. You will not receive any interest on Funds.

4. Card Services. You may use the following services with your Card:

1. Automated Teller Machine (“ATM”) Services. You may use your Card at an ATM that bears the network logos that appear on the back of your Card to inquire about the amount of Funds available to you;

2. Merchant Services. You may use your Card to purchase goods and services at any retail or other establishment that accepts MasterCard debit cards, including online retailers, that display the network logo that appears on the back of your Card;

3. Money Sharing. You may share money with any other Card through MyCardPlace or by contacting us using the toll free number on the back of your Card;

4. Bank to Card and Card to Bank transactions via ACH. You may move Funds from your bank to your Card or from your Card to your bank via the Automated Clearing House (“ACH”) by contacting your bank, initiating the transaction on MyCardPlace, or by using the toll free number on the back of your Card.

5. Use Limitations. For security reasons, there are limits on the frequency of transactions and dollar amounts of transactions you can make using ATMs, Money Share, Card to Bank/Bank to Card:

1. You may withdraw a maximum of $1000.00 per day from an ATM terminal.

2. You can share funds from one RevUpCard to another RevUpCard (“Money Share”) 1 time per day, 7 times per week, and 30 times per month. The maximum allowed amount shared per month cannot exceed $1500.00

3. You can move money from your Card to your Bank, or from your Bank to your Card 1 time per day, 2 times per week, and 8 times per month. The maximum amount per occurrence is $500.00.

6. Fees. To the extent permitted by and except where prohibited by applicable law, fees applicable to your use of the Card are set forth on the attached Exhibit A (“Fees”). You authorize us to deduct from your Card balance the Fees. We will not be liable for dishonoring any transactions presented for payment because of insufficient Funds as a result of deduction of Fees; however, we reserve the right to collect Fees at a later date, without notice, for uncollected Fees due to insufficient Funds. There may be other fees imposed by the owners of ATMs and electronic terminals. Your Company will provide you written notice of any increase in Fees by mail or email prior to the effective date of such change. We will also post the changes on MyCardPlace. If we are unable to contact you for any reason, your continued use of the Card will be deemed to be your consent to such changes. Additionally, any increase in fees will be effective as of the date the changes are posted on MyCardPlace and will apply to all Card transactions and activities on and after that date.

7. Personal Identification Number (“PIN”). We will assign to you a default PIN, which you should modify upon activating your Card and thereafter keep confidential, that will enable you to identify yourself when using your Card. Your PIN is a security feature that functions as your signature, identifying you as the proper user of the Card and authorizing any transaction made via the Card. You shall not reveal the PIN to unauthorized users of the Card and you assume full responsibility for all transactions made by such unauthorized users. If you voluntarily give your Card and/or PIN to another person, you have authorized such person to use your Card and access your Funds, and you will be responsible for their use of your Card.

8. Receipts at Electronic Terminals. You have a right to and should get a receipt each time you use your Card at an ATM, or to purchase goods or services through a merchant at retail or other establishments.

9. How to Obtain Account Information. You may obtain information about your Card balance and your transactional history, by calling us at (866) 345-1892 or by logging into MyCardPlace. You also have the right to obtain a 60 day written (paper) history of account transactions for a fee by calling us or by writing us at our address set forth in Section 18 below.

10. Your Liability for Unauthorized Transactions. You shall notify us immediately if you believe that your Card has been lost or stolen or that someone has learned your PIN or Card number or if you believe that an electronic fund transaction has been made without your permission using your direct deposit account number. Telephoning our toll free number (866) 345-1892, is the best way of keeping your possible losses down. You may also email Support or write us at our address listed at Section 18 below. Your failure to report theft or loss to us in a timely manner could result in the loss of all of your Funds. If you report loss or theft of the Card to us within 2 business days of learning of the loss or theft, your total loss will be limited to no more than $50.00 for use of the Card without your permission. If you do not notify us within 2 business days after you learn of the loss or theft of your Card, your total loss can be much as $500.00. You shall notify us immediately if your Card statement shows transactions that you did not make or authorize. If you do not notify us within 60 days after the statement was delivered to you, and it is evident that we could have stopped someone from taking or using the money if you had notified us in time, you may not get back any money that you lost after the 60 days.

1. Under MasterCard’s Zero Liability policy, your liability for unauthorized transactions on your U.S.-issued Card is $0 if:

1. Your account is in good standing.

2. You have exercised reasonable care in safeguarding your Card.

3. You have not reported two or more unauthorized events in the past 12 months.

The Zero Liability policy covers all MasterCard signature debit card transactions processed over the MasterCard network, online or off. ATM and PIN point-of-sale transactions are not covered under the Zero Liability policy. *Conditions and exceptions apply.

11. Our Liability for Failure to Complete Transactions. If we do not properly complete a Card transaction for you on time and in the correct amount, we are responsible to correct the transaction or purchase within a reasonable time, however, we shall not be required to take any additional action in the following circumstances:

1. If, through no fault of our own, you do not have adequate Funds available to complete the transaction;

2. If an ATM where you are making a withdrawal does not have enough cash;

3. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;

4. If circumstances beyond our control (such as fire, flood or communications or computer failure) prevent the completion of the transaction, despite our reasonable efforts;

5. If access to your account has been blocked after you have reported your Card lost or stolen;

6. If a merchant refuses to accept your Card for any reason;

7. If there is a hold on your Card account for any reason;

8. If your Funds are subject to legal process or other encumbrance restricting their transaction;

9. An act of government, police, or court order;

10. An act of terrorism; or

11. If your transaction authorization terminates by operation of law.

There may be other applicable exceptions not listed above which are stated elsewhere in other agreements between you and us, or found on the Card use policies available on MyCardPlace.

12. Error Resolution. Please notify us as soon as possible in case of errors or questions about electronic Card transactions, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on a statement or receipt. You can notify us via telephone or mail at our phone number or address listed in Section 18 below. We must hear from you no later than 60 days after we sent you the FIRST statement or from the date of any review of your transaction history via telephone or MyCardPlace in which the problem or error appeared. If we do not receive notice from you within such 60 day period, any claims you have regarding your statement may be waived. When you notify us you must include the following information:

1. Your name and Card number;

2. Description of the error or transaction that you are unsure about, and explain as clearly as possible why you believe that it is an error or why you need more information; and

3. The dollar amount of the suspected error and where and when the transaction took place.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. If we receive your notice within the 60 day notice period, we will investigate the matter and will determine whether an error occurred within 10 business days of our receipt of your notice. If we are unable to complete our investigation within 10 business days, we may take up to 45 days to investigate your complaint or question. If we ask you to put your complaint or questioning in writing and we do not receive it within 10 business days, we are not required to credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call or email us.

13. Foreign Currency Transactions. Any purchase or withdrawal made in another currency will be converted to U.S. dollars by MasterCard, according to an exchange rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate MasterCard itself receives, or the government-mandated rate in effect for the applicable central processing date. You agree to pay the converted amount plus a currency conversion rate of 2.0% of the amount of the transaction.

14. Bill Pay Service Terms. These Bill Pay Service Terms (“Bill Pay Terms”) govern your access to and use of the RevUpCard bill pay service (“Bill Pay Service”) on MyCardPlace, including all preauthorized transactions. The Bill Pay Service is made available to you as a Card service in association with your Card account. Therefore, these Bill Pay Terms supplement and are incorporated into your Agreement. All terms set forth in the Agreement apply equally to the Bill Pay Service unless contradicted by the Bill Pay Terms.

1. Use of Bill Pay Service: During the term of these Bill Pay Terms, you may use the Bill Pay Service at such time as it is generally available solely as permitted by these terms. You are granted no license to use or access our or our service provider’s software, data, or property other than for the purposes of using the Bill Pay Service.

2. Usage Limitations, Obligations and Availability: You agree that you will not provide access to the Bill Pay Service to any party other than yourself, and you will take reasonable precautions to safeguard your password and keep it confidential. You agree to use the Bill Pay Service only for lawful purposes. You are responsible to provide at your own expense all necessary telephone lines, Internet connection and equipment needed to access the Bill Pay Service. You must maintain the confidentiality of your assigned user name and password for the Bill Pay Service and you are responsible for all charges incurred under your user name and password, unless otherwise provided under these Bill Pay Terms. You must reasonably safeguard your direct deposit account number and are responsible for payments using your direct deposit account number, subject to Section 10, above. The availability of the Bill Pay Service may be subject to interruption and delay due to causes beyond our reasonable control.

3. Method of Payment: We will make payments for you either electronically via ACH, or using a paper draft drawn on our account using funds debited from your Card account. All payments to certain payees will be solely by check, draft, or similar paper instrument drawn on our account using funds debited from your Card account. Each payee that will be paid in this manner will be identified to you at the time you request us to make a payment to the payee. As used in these Bill Pay Terms, these payments are referred to as “paper payments.” The term “electronic funds transaction” means all payments we process for you except paper payments. Payments may be scheduled in a minimum amount of $0.01 and a maximum amount of $500.00 per transaction.

4. Authority to Debit Card Account: You authorize us to debit funds associated with your Card account in order to fund payments that you initiate using the Bill Pay Service. We will charge your Card account and you agree to maintain a balance that is sufficient to fund all payments you initiate. If you have told us in advance to make payments out of your Card account, you can stop any of these payments. Here's how: Call us at (866) 345-1892, or email Support in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. (We will charge you $0.50 for each stop-payment order you give.)

We will continue to charge your Card account the applicable per usage Bill Pay Service fee until the expiration date you set for the payments or the date you cancel the recurring payments through the Bill Pay Service, whichever occurs sooner.

5. Payment Addresses: We reserve the right to change the address used for paper payments, without notification, in the following situations:

1. The information returned by our address verification process determines the format of the address does not comply with U.S. Postal Service (“USPS”) standards.

2. We have determined that the address provided is not a valid address for the payee.

3. The payee has closed the address, and provided us (via the USPS) with the new address.

4. We have established a relationship with the payee to send payments to a different address than the one provided on the statement.

5. In all cases, we attempt to act in a way to expedite the proper posting of your payment.

6. Fees: Fees payable by you for use of the Bill Pay Service will be calculated and deducted automatically by electronic funds transaction from your Card account at the time of each applicable transaction. The per transaction fee and any other fees, if applicable, for Bill Pay Service are set forth in Exhibit A, below.

7. Our Right to Refuse to Make Payments: You agree not to use the Bill Pay Service to make payments to payees outside the United States (a “Prohibited Payment”). You further agree that the following payments (“Restricted Payments”) are discouraged, but may be scheduled at your own risk: (i) tax payments to the Internal Revenue Service or any state or other government agency, (ii) court-ordered payments, such as alimony or child support, (iii) payments to insurance companies, or (iv) rent or mortgage payments. In the event we make an error in processing a Restricted Payment, you agree that we will not have any responsibility for any negative impact to you and you will be responsible for collecting any overpayment we have forwarded. The fact that we make a mistake in processing a Restricted Payment does not mean that we cannot collect from you or your Card account any funds we sent to the payee on your behalf. We will NOT notify you if you attempt to make a Prohibited Payment or a Restricted Payment and we will not be liable if we do not make a Prohibited Payment or a Restricted Payment. We may refuse to make any payment that we believe to be prohibited by law.

8. Term and Termination: You may terminate these Bill Pay Terms by closing your Card account or notifying us in writing. We may terminate or discontinue the Bill Pay Service at any time. In the event that your Card account is closed for any reason, payments scheduled to be made 3 business days or more after the date your account is closed will be cancelled subject to a $0.50 charge per cancelled payment. Payments scheduled to be made less than 3 business days after your Card account is closed may not be cancelled. The termination of the service shall not affect any fees or charges already due to us from you.

9. Completion of Payments: You must select the processing date for any payment, or specify a payment rule in the system that automatically selects this date for you. For electronic funds transaction, payments must be scheduled at least 3 days prior to the date the payment is due (“EFT Lead Time”). For paper payments please allow 7 to 10 business days for a check to be printed and shipped from the date it is scheduled (“PP Lead Time”). YOUR PAYMENT WILL BE DECLINED IF YOU DO NOT MAINTAIN A MINIMUM BALANCE ON YOUR CARD EQUAL TO THE AMOUNT OF ANY SCHEDULED PAYMENT DURING THE APPLICABLE LEAD TIME. If you fail to maintain a balance on the Card that is sufficient to fund any payment that you initiate, we may refuse to make any subsequent payment for as long as we determine to be necessary or appropriate.

As we cannot control the USPS or other aspects of the various systems and processes that together ensure that your payments get from us to your payee, we cannot guarantee that any payment will be received by the payment due date or at all, and we are not responsible for any costs, expenses or other damages you incur if your payment is not received by the payee on or before the payment due date or at all. However, if you have followed our rules, allow us sufficient time to make the payment, and we have issued you a confirmation number for a payment, we will reimburse you for any late charge assessed to you because we do not send that payment, up to a maximum of $50.00 per late payment, unless we are not responsible to you for one of the reasons listed below. We may require that you provide us with satisfactory written documentation of any late fee before making reimbursement to you. THIS IS OUR ONLY OBLIGATION TO YOU FOR ANY PAYMENT DELAYS OR FAILURE UNLESS OTHERWISE REQUIRED BY LAW. IN ADDITION, IF YOU DO NOT FOLLOW THESE RULES OR IF YOU DO NOT ALLOW US ENOUGH TIME TO COMPLETE A PAYMENT, YOU ALONE ARE RESPONSIBLE FOR ANY PENALTIES OR LATE CHARGES ON THAT PAYMENT.

We may set an expiration date (usually 90 days from date of issue) for any payment check we issue from our own account. If we do this, we may stop payment of the check if the payee does not cash the check on or before the expiration date. We will then notify you and issue a credit to your Card account for the amount of the check.

We may set a maximum dollar amount for payment and/or refuse to permit any payment if we reasonably believe such refusal is necessary or advisable for security reasons. We also reserve the right and will notify you of our decision to refuse to make any other payment.

10. Transaction Dispute/Investigation: You may dispute and/or request that we investigate a payment that you believe was made or processed by us incorrectly. Please allow approximately 45 to 60 days for us to complete any such investigation and report back to you with our findings, consistent with Section 12, above. If we duplicate a payment or process a payment for the wrong amount, we will use our reasonable best efforts to recover your funds from the payee. However, if an overpayment causes a credit to an account with your payee, we may notify you of that fact and you will be responsible to make appropriate arrangements with the payee to receive a refund of the credit or have it applied against future balances. You will remain responsible to reimburse us for any overdraft amount resulting from funds we have paid on your behalf.

15. CONFIDENTIALITY AND PRIVACY POLICY. We do not share nonpublic personal information about your Card account or you with nonaffiliated third parties except as permitted by law. We may disclose information about your Card, the transactions that you make, information you have given in obtaining the Card, or information received from third parties, such as merchants, to nonaffiliated third parties: (a) where it is necessary to complete a transaction, or to service or process your Card account, (b) to verify the existence and condition of your Card to an authorized third party, such as a credit bureau or merchant, (c) when required to do so by law or regulation or to comply with an order of a court or regulatory agency or other legal reporting requirements, or to prevent or investigate possible illegal activity, (d) with your written permission, (e) to service providers who administer the Card or perform other services for us, or (f) to our auditors, affiliates, agents, and Bank as needed. 

You authorize us to communicate with your Company to request the following information to comply with federal law which requires all financial institutions to obtain, verify and record information that identifies certain individuals: (a) your name, (b) address, (c) date of birth, (d) email address (e) phone number and (f) taxpayer identification number, or other identity verification information. You authorize your Company to provide us with this information. We may also ask to for a copy of your driver’s license or other identifying documents. If we are unable to obtain this information through you or your Company within a reasonable period of time we may terminate this Agreement and your use of the Card.

16. Business Days. Our business days are Monday through Friday, 8:00 am – 5:00 pm, PST, with the exception of any state or federal banking holidays.

17. Cancellation. You may cancel your Card and this Agreement at any time by notifying your Company or by contacting us directly. In addition, we may cancel this Agreement, the Card and the related services at any time by giving you written notice.

18. Notices. You may contact by:

1. Calling us at (866) 345-1892;

2. Email – Support

3. Writing us at: RevUpCard Customer Care, 20058 Ventura Blvd. #199, Woodland Hills, CA 91364.

19. Change of Terms. We may modify this Agreement, in whole or in part, at any time upon notice to you. Subject to the limitations of applicable law, we may at any time change or remove any of the terms and conditions of, or add new terms and conditions to, this Agreement. Any change in the terms and conditions of this Agreement, including any changes in fees chargeable to your Card Account, will become effective as of the date indicated in the notice posted at MyCardPlace or at our option mailed to you and will apply to all of your Card transactions and activities on and after such date. Notwithstanding the foregoing, advance notice of any change in the terms and conditions of this Agreement may not be given if it is necessary to make such change immediately in order to maintain or restore the security of the Card or associated Card account or any related payment or processing system. If any such change becomes permanent and disclosure to you of the change would not jeopardize the security of the Card, associated Card account or any related payment or processing system, notice will be provided to you in the manner described above within thirty (30) days of our making the change. Your continued use of the Card after our posting such changes to this Agreement (or a revised and restated Agreement) at MyCardPlace or at our option mailing or emailing the notice, will constitute your acceptance and agreement to be bound by such changes to this Agreement. You agree that these procedures are acceptable to you to provide you with notice of changes to this Agreement and the posting of any amendments to this Agreement at such website will constitute an amendment to this Agreement and supersede the affected terms and conditions of this Agreement. We encourage you to review MyCardPlace regularly to monitor changes in the terms of this Agreement.

20. Void Where Prohibited by Law. This Agreement is void where expressly and to the extent prohibited by law. If any provision of this Agreement is determined to be invalid, illegal or unenforceable, that provision will be eliminated or adjusted to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable.

21. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of California. The parties submit to the exclusive jurisdiction and venue of the state or federal courts having jurisdiction over Riverside County, California of any claims or actions arising, directly or indirectly, out of or related to this Agreement. The parties stipulate that the venues referenced in this Agreement are convenient.

22. Waiver of Punitive Damage and Class Actions. You waive all rights to pursue any claims on a class or consolidated basis or in a representative capacity. You will not join any claim with the claim of any other person or entity. You will not join any claim with the claim of any other person or entity. You waive, to the fullest extent allowed by law, any claims to recover punitive or exemplary damages. You agree to the entry of injunctive relief to stop such lawsuit or to remove you as a participant in the suit. You agree to pay our reasonable attorneys’ fees and court costs in any such action seeking relief. This Section shall survive the termination of this Agreement.

23. Assignability. This Agreement may not be assigned by you without our prior written consent.

24. Limitation of Liability. In no event will RevUpCard, or any of our agents, servants, representatives or employees be liable for indirect, special, punitive, exemplary or consequential damages of any nature arising in connection with the performance or breach by RevUpCard of this Agreement. RevUpCard will not be liable to you for any failure or delay in performance of this Agreement in accordance with its terms if such failure or delay arises out of causes beyond control and without the fault or negligence of RevUpCard. RevUpCard will not be liable for problems associated with unsecure transmission of Card data and storage of your information associated with your transacting business on the Internet. All disputes relating to any Card transaction shall be settled between you and your Company. You agree to indemnify and hold RevUpCard harmless from claim, liability, loss or expenditure relating to any such transaction.

25. Security Interest. You grant a security interest in Funds and the Card to us and our affiliates for any and all indebtedness owed by you to us or to our affiliate, however and whenever incurred or evidenced. Such security interest is not in derogation or substitution of our right to offset against the Funds.

26. Unclaimed Funds. The balance of the Funds on your Card may become unclaimed funds escheatable to the State if, as shown by our records, you have not, within the applicable statutory period, caused any activity or received any payments with regard to the Card, indicated any interest in the Card, corresponded with us concerning the Card, or otherwise indicated an interest in the Card as evidenced by a writing on file with us, or transacted any business with us.

27. Entire Agreement. This Agreement, together with any affixed schedules and exhibits, constitutes the entire understanding between the parties with respect to the subject matter of this Agreement and supersedes any prior discussions, negotiations, agreements and understandings.

28. Survival. Sections 6, 22, 24, 25 shall survive termination of this Agreement.

EXHIBIT A: FEES

CARD FEES

New Card (US): $5.00

New Card (International): $9.95

Card Activation: Free

Shipping and Handling: Free

Replacement Card: $5.00

Account Maintenance: 


Option A: $3.95 Monthly


Option B: $30.00 Yearly

TRANSACTION and LOAD FEES

Card to Bank transaction: $1.50

Bank to Card transaction: $1.50

Load Card: $1.50

Cash Advance: $2.50

Money share: $0.25

Bank Account Verification: $3.00

[per bank account, per instance]

RETAIL PURCHASES (**)

Retail purchase: Free

Retail purchase with cash back: $0.50

Retail merchandise return: Free

Retail purchase decline: $0.50

Balance inquiry: $0.50

(**) International currency conversion rate: 2.00%

[% of the amount of the transaction]

ATM/CASH WITHDRAWALS (**)

ATM withdrawal (US): $1.25

ATM withdrawal (International): $1.50

ATM decline: $0.40

ATM balance inquiry: $0.40

(**) International currency conversion rate: 2.00%

[% of the amount of the transaction]

CUSTOMER SERVICE

Online statement fee: Free

IVR call: 1^st call free per month.

Additional calls: $1.00

Live customer service: $0.95/min

Internet customer service: Free

[via email]

Paper statement [optional]: $7.95

Dispute research item: $20.00

BILL PAY SERVICE

Electronic funds transaction: $1.00

Electronic funds decline: $0.50

Paper payments (Check): $1.50

Paper payment decline: $0.50

Stop payment request: $0.50

Dispute/investigation: $20.00

Direct deposit/credit payments: $2.00

The RevUpCard Prepaid MasterCard is issued by Palm Desert National Bank pursuant to a license by MasterCard International Incorporated. RevUpCard is a Member Service Provider of Palm Desert National Bank. Palm Desert National Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and all cardholders funds are insured by the FDIC in accordance with the FDIC's applicable terms and conditions. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.