NORWEGIAN CRUISE LINE GIFT VOUCHER METABANK™
TERMS & CONDITIONS

This document constitutes the agreement ("Agreement") outlining the terms and conditions under which a Gift Voucher ("Card") has been issued to you. The Gift Voucher is a prepaid Card issued by MetaBankTM ("Bank"). By accepting and using this Card or authorising any person to use the Card, you agree to be bound by the terms and conditions contained in this Agreement. The Card will remain the property of Bank and must be surrendered upon demand. The Card is nontransferable and it may be cancelled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference. These terms and conditions apply to both the purchaser and/or any other user of the Card. It is the purchaser’s obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered, by visiting www.norwegiangiftcard.com or by calling 1.888.976.6904.

In this Agreement "You" and "your" mean the person or persons who have received the Card and are authorised to use the Card as provided for in this Agreement. "We", "us", "our", and "Bank" mean MetaBank, our successors, affiliates or assignees. The Card is NOT a credit card. The Card is not connected in any way to any other account. The Card is not a checking account or connected in any way to any account other than a stored value account where your funds are held.

The Card is a prepaid card loaded with a specific amount of funds, redeemable to buy goods and services accepted only at Norwegian Cruise Line participating locations. The Card cannot be used to obtain cash. You are not allowed to make foreign currency transactions with your Card. Your Card can only be used in the United States. For security reasons, we may limit the amount or number of transactions you can make on your Card.

YOU ARE RESPONSIBLE TO BE AWARE OF THE AMOUNT OF FUNDS AVAILABLE ON YOUR CARD. Each time you use your Card, you authorise us to deduct the amount of the transaction from the balance of the funds associated with the Card. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction.

If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these "split transactions." If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. You may check your balance by visiting www.norwegiangiftcard.com or by calling 1.888.976.6904.

If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an "authorisation" for the transaction, the "authorisation" may result in a temporary hold for that amount of funds for up to ten (10) days. Car and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Because this is a gift Card, you may present the Card to another person for use, or you may keep it for your own personal use. You, as the user, are fully liable for all transactions you make with the Card or Card number, and are responsible for all fees and transactions incurred.

5. Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. It may take up to 7 days for the amount of the refund to be credited to your Card.

You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipt to verify your transactions.

The funds on your card do not expire. An expiration date is provided for fraud prevention purposes. If your Card still has unused funds on it after your Card expires, you may order a new Card by visiting www.norwegiangiftcard.com or by calling 1.888.976.6904. Report any lost/stolen Cards immediately by visiting www.norwegiangiftcard.com or by calling 1.888.976.6904. Your funds will be temporarily unavailable until you contact customer service for a replacement card.

We will not be liable:

• If, through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
• If a merchant refuses to accept your Card;
• 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;
• If access to your Card has been blocked after you reported your Card lost or stolen;
• If we have reason to believe the transaction is unauthorised;
• If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
• Any other exception stated in our Agreement with you.

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. From time to time the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your balance. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service. In the event a Card is non-functional, your sole remedy may be replacement of a Card.

You may obtain information about the amount of money you have remaining in your Card account by calling 1.888.976.6904. This information, along with a 60-day history of account transactions, is also available online at www.norwegiangiftcard.com.

You agree to safeguard the Card and treat it like cash. The Card can be replaced if it is lost or stolen or if you believe that an electronic fund transfer has been made without your permission, with certain restrictions. Tell us, AT ONCE, if you believe your Card has been lost or stolen or of any unauthorised transactions. You should call 1.888.976.6904 immediately to report a lost or stolen Card. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit or other information in support of the claim. You acknowledge that purchases made with prepaid Cards, such as the gift Card, are similar to those made with cash. You cannot "stop payment" or lodge a "billing dispute" on such transactions. Any problems or disputes you may have regarding a purchase should be addressed directly with the merchant.

You are responsible for resolving disputes arising out of the Card transactions, including disputes related to the quality, safety or legality of merchandise or services. In case of errors or questions about Card transactions, call 1.888.976.6904 if you think your receipt is wrong or if you need more information about a transaction on the receipt.

Your Card is subject to unclaimed property laws where your Card has been registered, or the laws of the state where we are located/ incorporated if the Card is not registered. Should your Card have a remaining balance after a certain period of time, we may be required to remit remaining funds to the appropriate state agency.

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.

We may amend or change the terms of this Agreement at any time, subject to applicable law. We will never change types or amounts of fees charged or the frequency or condition in which they are charged, expiration dates, the website and toll free number that you can call for questions about your Card, and your available funds will never expire on this Card due to the passage of time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice.

We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

(i) Information We Collect ("Cardholder Information"):

(a) Information about purchases made with the Card, such as date of purchase, amount and place of purchase.

(b) Information you provide to us when you apply for a Card, or for replacement Cards or when you contact us with customer service issues, such as name, address, phone number.

(ii) Information Security: Only those persons who need it to perform their job responsibilities are authorised to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.

(iii) Disclosure: We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas, where necessary to complete transactions, or if you give us your written permission.

We may also disclose information to third parties about your Card account or the transactions you make:

(1) Where it is necessary for completing transactions;

(2) In order to verify the existence and condition of your Card account for a third party, such as merchant;

(3) In order to comply with government agency or court orders, or other legal reporting requirements;

(4) If you give us your written permission; or

(5) To our employees, auditors, affiliates, service providers, or lawyers as needed.

(iv) Affiliates. Affiliates are companies related by common ownership or control. They can be financial and nonfinancial companies. MetaBank has no affiliates with which it shares your personal information. Nonaffiliates are Companies not related to us by common ownership or control. They can be financial and nonfinancial companies. MetaBank does not share your personal information with nonaffiliates so they can market to you.

We may partner with nonaffiliated financial companies to jointly market financial products or services to you.

(v) State Privacy Laws. If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.

(vi) Questions. If you have questions about your privacy, call 1.888.976.6904 or go to www.norwegiangiftcard.com.

(a) Purpose: This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.

(b) Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement including the validity, enforceability or scope of this Arbitration Provision or the Agreement. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card; (ii) the amount of Available Funds on the Cards; (iii) advertisements, or oral or written statements related to the Card, goods or services purchased with the Cards; (iv) the services related to the Cards; and (v) your purchase, activation, use or upgrade for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court.

As used in the Arbitration Provision, the terms "we" and "us" shall mean the Bank, subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who market or provide services), if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you.

(c) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the procedures of the national arbitration organisation to which the Claim is referred. Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organisations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organisations listed to serve as arbitrator administrator. You may contact us for instructions on how to obtain copies of any of these organisations' procedures.

(d) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE "PROCEDURES"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

(e) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

(f) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees ("fees") for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the fees in connection with the arbitration (or appeal).

(g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Procedure, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Procedure. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honour claims of privilege recognised at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organisation, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organisation that it is exercising the right of appeal. The appeal shall be filed with the arbitration organisation in the form of a dated writing. The arbitration organisation will then notify the other party that the award has been appealed. The arbitration organisation will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Procedure and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding.

(h) Continuation: This Arbitration Provision shall survive termination of your Card. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision or the Agreement, both of which shall be enforceable regardless of such invalidity.

This Card is issued by MetaBank, Member FDIC
5501 S. Broadband Lane
Sioux Falls, SD 57108
1.888.976.6904
www.norwegiangiftcard.com

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