The Stripe issued Spend Card (“Card” or “Stripe Issuing Spend Card”) is a prepaid prescription benefit card issued under the Stripe Issuing: Spend Card Program (the “Program”). The Card is issued by Celtic Bank, a Utah-chartered, Federal Deposit Insurance corporation-insured bank located in Salt Lake City, Utah (“Issuer”), and the Program is managed by Stripe, Inc., a Delaware corporation (“Stripe”). You are an authorized user of the Card and these Authorized User Terms (“Terms”) apply to Your use of the Card. Capitalized terms used in these Terms, but not defined elsewhere, have the meaning assigned to such terms in Section 1 below.

As used in these Terms, “we”, “us” or “our” refers to Stripe, Issuer, and Antidote. “You” and “Your” refers to the person or persons authorized by Antidote (the “Program Accountholder”) to receive and use the Card.

You agree that Stripe may provide You with electronic communications.

1. Definitions:

(a) “Administrator” means the person appointed by Antidote to manage the Program Accountholder’s participation in the Program, including managing how You may use Your Stripe Issuing Spend Card.

(b) “Card” and “Stripe Issuing Spend Card” mean a prepaid prescription benefit card issued by Issuer, linked to a Card Account, and enabled for Transactions over the Card Network associated with the Card. Cards may either be a physical card embossed with a 16-digit number or a card represented by a 16-digit number.

(c) “Card Account” means a sub-account of the Program Account that is linked to a Card issued to You.

(d) “Card Limits” means the maximum amounts available for Charges on any Card. Your Administrator will inform You of Card Limits that apply to Your Card.

(e) “Card Network” means the payments card network operated by Visa U.S.A., Inc. and/or Visa International and/or MasterCard International Incorporated.

(f) “Charge” means the use of Your Card to complete a Transaction.

(g) “Data” means personal or business information provided to Stripe in connection with the Program, which includes information to determine a Program Accountholder’s eligibility for a Program Account and other information needed by Stripe to provide the Program and to fulfill its responsibilities to Issuer.

(h) “Personal Data” means information that identifies a specific living person (not a company, legal entity, or machine) and is transmitted to or accessible through the Program.

(i) “Program” and “Stripe Issuing Spend Card Program” mean the program through which Issuer issues Cards and extends credit to Antidote, and Stripe provides Card Accounts, Cards, and Transaction management tools and services, in each case for use by the Administrator and you.

(j) “Program Account” means the account for which Antidote may request the issuance of Cards, and includes the records Stripe maintain to (a) account for the value of the funds available for Charges on Cards, (b) establish Card Accounts, (c) provide Transaction histories (Charges, Transactions, payments), and (d) inform Antidote of fees and payments it owes.

(h) “Transaction” means a request initiated by you to make a payment with a Card for the purchase of goods or services.

2. My Antidote Debit Card and Card Account.

Your Card is issued and provided by Issuer and is linked to an individual Card Account. Your individual Card Account is linked to Antidote’s Program Account. Your Charges are billed to the Program Account. You are not directly liable to Stripe for Your Charges or other activity on Your individual Card Account. Your Card must be activated prior to use. Antidote’s Administrator will provide activation instructions to You. If You did not receive activation instructions for Your Card, contact Your Administrator. We may apply a Card Limit to your Card Account. Charges will reduce the Card Limit, and any Charges in excess of the Card Limit may be declined.

3. Account Opening.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify, and record information that identifies You when a Card Account is opened for You. What this means for You: In connection with opening Your individual Card Account, we will ask You for Your name, street address, date of birth, and other information that will allow Stripe to identify You. We also may ask to see Your driver’s license or other identifying documents from You.

4. Using Your Stripe Issued My Antidote Debit Card.

You may only use Your My Antidote Debit Card for the purchase of certain approved prescriptions in accordance with the terms of Your Subscription. You may not use Your Card for personal, family or household purposes. Your Card remains the property of the Issuer and must be returned upon request. We may cancel, revoke, repossess or restrict the use of Your Card at any time. We may decline to authorize or reverse Charges or suspend Your Card for any reason including violation of these Terms or suspected fraud. We also may decline to authorize Charges at merchants characterized by the Card Network or us as prohibited merchants. Stripe is not responsible for losses resulting from declined or reversed Charges. Merchants typically accept all Card Network-branded Cards; however, Stripe and Issuer are not responsible and will have no liability if a merchant refuses to honor a Card or accept a Transaction.

5. Card Account Holds.

We may place a hold on available funds in Your Card Account for certain Transactions. When a hold is placed on Your Card Account, the amount of the hold will reduce the then-applicable Card Limits until the hold is released.

6. Card Security.

You are responsible for securing your Cards, account numbers and Card security features (including the CVV and PIN).

7. Data Privacy.

Stripe processes, analyzes, and manages Data to: (a) provide the Program to Antidote and Authorized Users; (b) mitigate fraud, financial loss, or other harm to Antidote, Authorized Users, other holders of Card Accounts and Stripe, and (c) analyze, develop and improve our products, systems and tools. Stripe provides Data to third-party service providers, including Issuer and third parties engaged for Card printing services, and their respective affiliates, as well as to Stripe’s affiliates, to allow us to provide the Program. We do not provide Personal Data to unaffiliated parties for marketing their products. You understand and consent to Stripe’s use of Data for the purposes and in a manner consistent with this Section 7. We will only use Personal Data as required to provide the Program, to fulfill our obligations to regulatory authorities, and in accordance with the Stripe Privacy Policy. Issuer will use and care for Data in the manner described in the Celtic Bank Privacy Policy. Protection of Personal Data is very important to us. The Stripe Privacy Policy and the Celtic Bank Privacy Policy explain how and for what purposes we collect, use, retain, disclose, and safeguard Data provided to us in connection with the Program. You agree to review the terms of these policies, which may be update from time to time, and which form part of these Terms.

8. Compliance with Law.

You must engage in the Program in a lawful manner, and must obey all laws, rules and regulations that apply to your use of the Program

9. Prohibited Persons.

You represent and agree You are not currently and will not become subject to a U.S. Office of Foreign Asset Control list, or any law, regulation, or other list of any government agency that prohibits or limits us from providing Card Accounts or Cards to You or from otherwise conducting business with You.

10. Customer Service.

If You have questions about the operation of the Program, use of Your Card or Your Card Account, contact support@antidotehealth.ai.