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Marketing materials should accurately describe Subscriber card program offerings, utilize clear and conspicuous language to ensure applicants and/or cardholders understand important terms about the card offering (ie. the costs associated with having and using the card), and ensure fairness in the marketing practices of the program.
General guidance when it comes to these materials is that all customer facing materials must be reviewed and approved by Highnote and its Bank Partner. To submit marketing materials, Subscribers must email documents to firstname.lastname@example.org prior to production or use.
If an Account Holder or potential Account Holder is going to see or read anything related to the Payment Card or Card Product, it needs to undergo the collateral review process. Please note, items should be submitted even if there is a question or concern that it may not be relevant.
The following are required to be reviewed for collateral approval:
It is important that verbiage across all of these materials is clear and conspicuous for the Account Holder (and/or consumer) to understand the terms of, as well as general details around, the Card Product.
Marketing materials cannot be published until the Subscriber’s Card Product Application to work with Highnote has been approved.
Note the following regarding the review process:
General guidelines for marketing and collateral are included in this section. It is the responsibility of the Subscriber to ensure the submitted marketing materials comply with UDAP/UDAAP, CAN-SPAM, and any other applicable regulations.
Refer to the following guidelines on the use of "Bank" and "Banking" in Marketing and Collateral materials:
Please note, General Purpose Reloadable Cards are not considered Demand Deposit Accounts. Though they may offer many of the features of a Virtual DDA, they are not labeled nor considered a DDA as there are limits associated with the Card Product and check writing capabilities are not provided.
Issuing statements are required to appear anytime the Card Program or the Network is identified or displayed in any form of marketing materials. A Subscriber can work with Highnote and the partner bank to request a variance from the Network.
This card is issued by [Bank Name], Member FDIC, pursuant to license by Mastercard.
This card is issued by [Bank Name], Member FDIC, pursuant to a license from Visa U.S.A. Inc
At the first mention of the network (Mastercard, Visa, or Discover), the registered trademark symbol (®) must be present. The registered trademark symbol (®) may stop being used when the network is mentioned again in the same document. Brand marks may not be used in place of a brand name.
The Trademark Statement should appear below the Issuing Statement on non-card materials that reference the card product.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.
A Card Product cannot participate in any type of lottery, sweepstake, or contest without the express permission of Highnote, the Partner Bank, and Card Network brand.
Common definitions to consider when evaluating lotteries, sweepstakes, and contests:
The FDIC and networks have strict guidelines relating to these practices. See FDIC Federal Deposit Insurance Act for more information.