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This card is the property of the issuer. This card will not be replaced if lost or stolen. This card will not be exchanged for cash. No change will be given. This card is not a credit or debit card and has no implied warranties. Only for use as deemed by issuer. Any card balance available after a period of inactivity may be subject to management fees in accordance with applicable laws and regulations. Use of this Card constitutes acceptance of these terms and conditions. |

