BPWS Debit Card Disclosure

The following terms and conditions apply to the use of the Baker Private Wealth Specialists (BPWS) Debit Card ("Card") and are a legally binding agreement between you, the cardholder, and BPWS. By accepting, signing, or using the Card, you agree to be bound by these terms.

1. Issuance of Card

BPWS may issue a Card to you at your request. The Card remains the property of BPWS and must be returned upon our request.

2. Card Usage

You may use your Card to withdraw cash from your BPWS account at ATMs and for transactions at merchants that accept the Card. You may not use your Card for illegal transactions.

3. Card Limitations

Transaction limitations may apply to your Card usage, which will be communicated to you when you receive your Card.

4. PIN and Card Security

You are responsible for maintaining the security of your Card and PIN. If you suspect unauthorized use, immediately notify BPWS.

5. Overdrafts

If a transaction exceeds your account balance, you will be responsible for the full amount and may incur overdraft fees.

6. Replacement Cards

A fee may be charged for the replacement of lost, stolen, or damaged Cards.

7. Dispute Resolution

In case of errors or questions about your Card transactions, contact BPWS immediately.

8. Changes to Card Terms

BPWS reserves the right to change these terms and conditions at any time. Notice of any significant changes will be provided as required by law.

9. Termination

BPWS may terminate or suspend your Card usage at any time without prior notice, except as required by law.

10. Governing Law

This Agreement is governed by the laws of the state where BPWS is headquartered.

By using the BPWS Debit Card, you acknowledge that you have read, understood, and agreed to these terms and conditions.