FAQ's


Getting a Card 


How do I get THAT Visa®Prepaid Card?

To order your card, please click here.



Do I need to have a bank account to get a card?

No, a bank account is not required to get a card.



Can I order a card for another person?

No, you may not order a card for someone else. Each person must order his/her own card. If you order a card for someone else, both your account and the other person’s account will be closed. Additionally, you will lose all of your FriendSpend referrals and you may be permanently banned from the FriendSpend Rewards program.



Can I use my business tax identification number (i.e. EIN) to get a card?

No, you must enroll with your social security number or individual tax identification number (ITIN) to get a card. If you attempt to order a card with your business tax identification number (i.e. EIN), your enrollment will be denied. You will be required to go through the manual verification process, which may include, among other things, providing a copy of your social security card.



Can I get a card for my business?

No, the card is a consumer card and is not available for businesses.



Will I have to provide my actual home address to get a card?

Yes, we require that you provide your actual home address to get a card. If you try to order a card with a PO Box, private mail box, or your business address, your enrollment will be denied and you will be required to go through manual verification which will include, among other things, providing proof of your home address.



What if I am unable to receive mail at home?

If you are unable to receive mail at home, contact Customer Service so that we can make other arrangements to get your card to you. You will be required to go through manual verification, which will include, among other things, providing proof of your home address.

Toll-Free Customer Service Phone Number: 1-855-915-1435

International Customer Service Phone Number: 1-702-410-6001

Email: support@thatprepaidcard.com

Chat: Click the Chat option found at the bottom of our website www.thatprepaidcard.com

Mailing Address: THAT Card PO Box 81888 Las Vegas, NV 89180-1888



Can anyone get a THAT Card?

No, THAT Card is only available to residents of the United States (50 states, District of Columbia, and US Territories) who are at least 18 years old with a verifiable home address and social security number or individual tax identification number (ITIN).



Is there a mobile app for THAT Card?

Yes, you can download THAT Card’s mobile app for Android google play store icon and iOS apple store icon.



Can my spouse get a separate card?

Yes, you and your spouse can have separate cards.



Can my friend who lives internationally use my address to order a card?

No, each cardholder must have a verifiable home address in the United States (50 states, District of Columbia and US Territories).



I do not have a residential home address; can I use the address where I am currently staying?

No, each cardholder must have a verifiable home address in the United States (50 states, District of Columbia and US Territories).



How long does it take the card to arrive?

Once your enrollment is complete, your new card should arrive within 10 business days.





Logging into My Account 


What is My Account?

My Account is the system used to provide all your account information. You can access My Account using our website www.thatprepaidcard.com or mobile applications.



Where do I log into My Account?

You can log into My Account using our website www.thatprepaidcard.com or mobile applications.



What if I forgot my username?

If you forgot your username, you can click on the “Forgot Username” link in My Account to retrieve your username.

Note: Our Customer Service agents do not have access to your username; this is the only way to retrieve it.



What if I forgot my password?

If you forgot your password, you can click on the “Forgot Password” link in My Account to reset your password.

Note: Our Customer Service agents do not have access to your password; this is the only way to reset it.



What if my account is locked?

If your account is locked, you need to contact Customer Service. The fastest way to do this is to start a chat from the Chat option found at the bottom of our website www.thatprepaidcard.com. You can also call Customer Service using the number on the back of your card.



What if I get a message that my account cannot be located?

Only cardholders can log into My Account. If you have not ordered your card or your card enrollment has not been approved yet, then you will not be able to log into My Account. If you close your account, you will still have access to log into My Account and view your card activity for at least 90 days and statements will be available for two years.





Using your Card 


How does THAT Visa® Prepaid Card work?

THAT Card is a convenient way to manage your money. It is safer than using cash because the card account is FDIC insured once your identity has been verified during the enrollment process. THAT Card is not a credit card, which means you can spend only the money you have loaded in advance. You will not incur overdraft or interest fees of any kind with THAT Card.



How do I activate my Card?

Once you receive your card in the mail, you can activate your card using our website www.thatprepaidcard.com or mobile applications or by calling the number on the back of your card to activate it.



Can I check my balance online?

Yes, you can check your balance through My Account using our website www.thatprepaidcard.com or mobile applications. Your account balance will be on the first screen you see after you log in.



What if my card is lost or stolen?

If your card is lost or stolen, you can freeze your card through My Account using our website www.thatprepaidcard.com or mobile applications right away. You can later unfreeze your card if you find it. To get a replacement card, contact Customer Service. We will cancel the card and issue you a new card right away. Please also check your transaction history as soon as possible and let us know immediately if you notice any unauthorized activity or feel your account has been compromised.



Where can I use my Card?

You can use your card at millions of locations worldwide; everywhere Visa debit cards are accepted.



Can I use the Routing and Account Numbers to pay bills or make purchases?

No, currently we do not allow the Routing and Account Numbers to be used to pay bills. These numbers are provided so that you can load your card.



What happens if my balance is negative?

We do not charge a negative balance fee. We do ask that you load your card right away if your account is negative. Your card account is in jeopardy of being closed anytime your account goes negative.

Note: You will not be eligible for FriendSpend Rewards if your balance is negative on the last day of the month.



If I do not have enough funds available for a purchase, will you charge me any fees?

We charge 2% of the U.S. dollar amount of each transaction you make outside the United States.



If I make a return, how long before the funds are available onto my card?

Availability depends on the merchant and how quickly they process your refund. It typically takes 1-4 business days for a refund to show up on your card, but it may take longer. If you feel that your refund is taking too long, please contact the merchant. We do not see these transactions until the credit is received.



Do I need my PIN to withdraw funds at an ATM?

Yes, you will need your PIN to withdraw funds at an ATM. When you use an ATM, you will swipe your card, enter your PIN and select "Withdrawal," choose "Checking" as the account type. You can withdraw cash from your card at any ATM showing the Visa®, Plus®, MoneyPass®, or Accel® Acceptance Marks.



Do I have to use a PIN to make a purchase?

No, you only need a PIN to use an ATM. You can use your PIN when you make a purchase if you want to, but remember that purchase will not count towards FriendSpend Rewards.



What is a non-PIN purchase?

Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction.



What if I forget my PIN?

You can change your PIN at any time through My Account using our website www.thatprepaidcard.com or mobile applications and then clicking on PIN Setup/Change. Do not share your PIN with anyone and do not write your PIN on your card.



Does it cost money to use the ATM?

Sometimes.

MoneyPass is a surcharge free ATM network for THAT Card, locations can be found using the MoneyPass Locator. There is no fee if you use a MoneyPass ATM.

There is a fee for out of network (non-MoneyPass) ATMs. Additionally, the owners of ATMs or other networks may charge you to use their terminals and you may be charged a fee for a balance inquiry even if you do not complete a transaction. Please refer to card fees for out of network ATM fees at https://docs.thatprepaidcard.com/CHA.pdf.



Can I check my balance at any ATM?

Yes, you can check your balance at an ATM, but while we do not charge a fee for this service, some ATMs may charge you a fee. You can check your balance at no cost by logging into My Account using our website www.thatprepaidcard.com or mobile applications or calling the number on the back of your card.



Can I use my Card to make online purchases?

Yes, you can use your card everywhere Visa debit cards are accepted, including online.



My card balance will not cover my purchase amount. Can I still use my card?

Yes, you can still use your card for part of the transaction. Just tell the cashier in advance how much to deduct from your prepaid card and how much you will pay using an alternate payment method.

Note: Not all merchants support this process, known as a split transaction.



What happens if I need to return an item I purchased using my Card?

When making a return, you may be asked to show the merchant the card used to make the purchase. The value of the returned merchandise will be credited back to your card. Please refer to the individual merchant’s return policy. It typically takes 1-4 business days for a refund to show up on your card, but it may take longer. If you feel that your refund is taking too long, please contact the merchant. We do not see these transactions until the credit is received.



Can I use the Card outside of the United States?

Yes, the card can be used at merchants worldwide; everywhere Visa debit cards are accepted, except in prohibited countries enforced by the Office of Foreign Assets Control (OFAC). OFAC prohibits or restricts transactions with certain countries, organizations, and individuals. For example, there are countrywide prohibitions for Iran, Sudan, and Syria. More information about OFAC can be found on the U.S. Treasury Department’s website.



How do I know my money is safe?

Funds in your card account are FDIC-insured once your identity has been verified during the enrollment process. Your funds will be held at First National Bank, an FDIC-insured institution. Once there, the FDIC insures your funds up to $250,000 in the event First National Bank fails. See fdic.gov/deposit/deposits/prepaid.html for details.





Fees & Limits 


What fees does THAT Visa® Prepaid Card charge?

You can see all our fees here.



How much does it cost to get a card?

The Card Purchase fee is $3.99, but we will waive this fee if you load at least $20 to your card at the time of purchase. Other fees may apply when using the card; you can see all our fees here.



When does the Monthly Fee start?

The first Monthly Fee is assessed on the first of the month beginning the month after you purchase a card. We will waive this fee if you make at least $750 of non-PIN purchases during the previous calendar month. Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction. Other fees may apply when using the card; you can see all our fees here.



How do I pay the Monthly Fee?

The Monthly Fee will be deducted from your card balance.



Can I lower the Monthly Fee?

Yes, we will waive your Monthly Fee if you make at least $750.00 or more of non-PIN purchases during the previous calendar month. Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction. Other fees may apply when using the card; you can see all our fees other here.



How much money can I have on my card at one time?

The maximum balance or value of your card may not exceed $10,000.00 at any given time. Please refer to card limits here for additional limitations on loads, withdrawals, and purchases.



How much money can I load onto my card?

Please refer to card limits here.

Note: Retailers may have additional limits on the minimum amount or maximum amount you may load to your card in a single transaction or day.



How much can I spend (i.e. purchases)?

Please refer to the card limits here.



How much cash can I withdraw from my card?

Please refer to the card limits here.

Note: Retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.



How much money can I transfer to my bank?

Please refer to card limits here for limitations on loads, withdrawals, and purchases.



How much money can I transfer to another cardholder (i.e. share funds)?

Please refer to card limits here for limitations on loads, withdrawals, and purchases.



How much money can I receive from another cardholder (i.e. share funds)?

Please refer to card limits here for limitations on loads, withdrawals, and purchases.





Customer Service 


What are THAT Visa® Prepaid Card Customer Service hours?

Cardholders can contact our US-based Customer Service 24 hours a day, 7 days a week, and 365 days a year. Contact options include phone, email, chat, or mail.

Toll-Free Customer Service Phone Number: 1-855-915-1435

International Customer Service Phone Number: 1-702-410-6001

Email: support@ThatPrepaidCard.com

Chat: Click the Chat option found at the bottom of our website www.thatprepaidcard.com or mobile applications.

Mailing Address: THAT Card PO Box 81888 Las Vegas, NV 89180-1888



Will I receive a monthly statement?

Yes, you can view and download your monthly statement through My Account on our website www.thatprepaidcard.com or mobile applications. Statements are found on the Statement Page.



Is there a fee to contact Customer Service?

No, there is no fee to contact Customer Service.



How long will I have access to my previous statements?

You will have access to your previous statements for at least two years.





Loading Funds 


How do I load funds on THAT Visa® Prepaid Card?

You may add funds to your card using any of the following methods:


  • Load cash at any Visa ReadyLink location. Locations may be found at ReadyLink Locations.
  • Set up Direct Deposit with your employers and benefit providers by providing your routing number and 14-digit direct deposit account number
  • Transfer money from your bank account to your card account by using your routing number and 14-digit direct deposit account number.
  • Load funds from another bank account through My Account on our website www.thatprepaidcard.com or mobile applications.
  • Share funds from a Contact (another cardholder) through My Account on our website www.thatprepaidcard.com or mobile applications

The maximum balance or value of your card may not exceed $10,000.00 at any given time. Please refer to card limits here for additional limitations on loads, withdrawals, and purchases.

Note: Retailers may have additional limits on the minimum amount or maximum amount you may load to your card in a single transaction or day.



How do I transfer Money via My Account?

Log into to My Account on our website www.thatprepaidcard.com or mobile applications - go to the Move Money, Send Money tab and select Send Money to my Bank Account.



How do I transfer from my other bank?

There are two ways to load your card with money from another bank account:


  • Some banks will let you load funds from their website. To do this, first get the routing and account number from My Account on our website www.thatprepaidcard.com or mobile applications (click on Load Funds then Direct Deposit). Next, you want to link your card account as an “External Account” on the other bank’s website. This method typically takes 1-3 business days.

    Note: Some banks charge a fee for this service. Please check with your bank to see if they will charge you a fee.

  • Log into My Account using our website www.thatprepaidcard.com or mobile applications. Go to Move Money, then Load Money tab, select Load From Other Bank Account and follow the instructions. This method typically takes 4-6 business days.


Can I load my card using bill pay?

No, we do not accept loads from bill pay services.



Where can I go to load cash?

With THAT Card, you literally have thousands of options. You can add money to your card wherever you see the Visa ReadyLink symbol. Locations may be found ReadyLink Locations.



How do I enroll in direct deposit to be paid up to 2 days faster*?

You can setup direct deposit by providing your employer or benefits provider your THAT Visa® Prepaid Card routing number and 14-digit direct deposit account number. To obtain this information, sign into My Account on our website www.thatprepaidcard.com or mobile applications. Click on “Direct Deposit” to view your THAT Card routing number and 14-digit direct deposit account number. You have the option to email or download the form to give to your employer or benefit provider.

Note: Once you provide your account information to your employer, it may take 2-3 payroll cycles before this information is updated. If you have any questions about the status, please contact your employer or benefit provider as our Customer Service will not have any information about this.

*Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.



How do I set up loading of my Federal Benefits?

You can setup automatic loading of your Federal Benefits by providing your benefits provider your THAT Card routing number and 14-digit direct deposit account number. To obtain this information, sign into My Account on our website www.thatprepaidcard.com or mobile applications. Once signed in, click on “Move Money”. From there, click on “Federal Benefits”. This page will provide you instructions on how to fill out the form and includes your routing number and account number.

Note: Once you provide your account information to set up federal benefits load, it may take 2-3 payment cycles before this information is updated. If you have any questions about the status, please contact the benefits provider, as our Customer Service will not have any information about this.



How long does it take to load funds from a linked bank account using My Account?

It usually takes 4-6 business days (which does not include Saturdays, Sundays, or Federal holidays).



How long does it take to load funds from a linked bank account using my other bank’s website?

It usually takes 1-3 business days (which does not include Saturdays, Sundays, or Federal holidays). You should check with your other bank to verify how long it will take.



How long does it take to transfer funds back to my linked bank account using My Account?

It usually takes 2-3 business days (which does not include Saturdays, Sundays, or Federal holidays).



Can I link my business bank account?

No. Your linked bank account must be a personal account and you must be the account holder.



Can I load funds from my PayPal account?

Yes, you can load funds from your PayPal account by using routing number and 14-digit direct deposit account number to link your card as a bank account to PayPal.

Note: You are unable to complete PayPal purchase transactions using the routing and 14-digit direct deposit account numbers.



Can I load funds from a debit or credit card?

The only time we allow loading of funds from a debit or credit card is during enrollment.



Can I call Customer Service to load or transfer funds for me?

No, our Customer Service agents are not able to load or transfer funds for you.



Can I load funds with a bank teller?

No. However, with THAT Card you can add money to your card wherever you see the Visa ReadyLink symbol. Locations may be found at ReadyLink Locations.



How long will it take my money to become available after it is loaded?

Timing depends on the method used to load funds:


  • Cash loads are typically available in near real time. Keep your receipt until you verify that the cash was properly loaded on your card.
  • Direct Deposit from your employer or benefit provider is typically available on or before your designated payday. Get access to your money up to two days faster with Direct Deposit*.
  • Federal Benefits are typically available on or before the day designated by the federal agency that sent the payment. Get access to your money up to two days faster with Direct Deposit*.
  • Loads from a linked checking or savings account that you start on your other bank’s website are typically available in 1-3 business days.
  • Loads from a linked checking or savings account that you start in My Account are available in 4-6 business days.
  • Money received from a contact (another cardholder) is available in real time. If you have any questions on funds availability, please contact Customer Service.

* Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.





Visa Protection and Benefits 


How do I learn more about Visa’s Zero Liability?

Visa Zero Liability means you may not be held responsible for unauthorized charges made with your card or account information. It is protection if your card is lost, stolen or fraudulently used, online or offline. Contact Customer Service immediately if you lose your card or notice unauthorized activity in your transaction history. More information can be found here.



How do I learn more about Purchase Security?

Purchase Security: You are protected if the item you bought with your covered THAT Visa® Prepaid Card is stolen or damaged due to theft, fire, vandalism or accidentally discharged water or certain weather conditions within the first 90 days of purchase. Purchase Security can replace, repair or reimburse the item up to $500 maximum per claim.


Easy claim process: Go to www.cardbenefitservices.com or call the Benefit Administrator at 1- 800-553-4820 to file a claim or get your questions answered. If you are outside the U.S., you can call collect: 1-303-967-1096.


Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered THAT Visa Prepaid Card to secure transactions. Please refer to your Guide to Benefits for further details. More information can be found here.



How do I learn more about Visa®’s Global Customer Assistance?

Visa’s Global Customer Assistance allows cardholders traveling abroad can report cards lost or stolen or request emergency services directly from the Visa network. Restrictions apply. More information can be found here.





FriendSpend Rewards Referrals 


Visit the FriendSpend Rewards Forum for more information and to ask questions.

What is a Referral Code?

A referral code is issued to you when you open your THAT Card Account. You will give your referral code when referring others to enroll for a card. When your referral code is used by a new Cardholder opening their THAT Card Account, it will permit us to identify you as the referral source.



How can I refer a friend?

You can refer your friends by providing them with:


  • your Referral Code, or
  • the email address associated with your Card Account, or
  • your referral URL.

To get credit for the referral your friends will need to provide one of these items when they enroll.



How and when do I receive a Referral Code?

Once you complete your enrollment you can access your Referral code at any time by logging into My Account using our website www.thatprepaidcard.com or mobile application. Look for the “FriendSpend Rewards” Page. We will also send you an email containing your Referral code. You can begin referring friends right away, even before you receive your card.



Will my Referral Code ever change?

No, your Referral Code will never change.



What if I forget my Referral Code?

You can find your Referral Code by logging into My Account using our website www.thatprepaidcard.com or mobile application. Look for the “FriendSpend Rewards” Page. Plus, your friends can sign up using your email address as your referral code if they choose



What if I do not know anyone who has a Referral Code?

You do not need a Referral Code to get a card. During enrollment, you can skip the step for entering a Referral Code and complete the process without it.

If someone referred you but you forgot their Referral Code, you can use his or her email address instead. If that does not work, ask them again and you can add the Referral Code before you activate your THAT Card.

Note: Once you activate your THAT card, you can no longer add a Referral Code.



How many people can I refer?

There is no limit to the number of people you can refer.



Do I need to refer anyone to earn FriendSpend Rewards?

Yes, FriendSpend Rewards is based on the Qualified Purchases of your Spending Squad. You will not earn FriendSpend Rewards if you do not refer anyone.



What is my Spending Squad?

Your Spending Squad is the Cardholders who build up your FriendSpend Rewards for you by completing Qualified Purchases, including Direct Referrals and Indirect Referrals up to 6 Generations from you.

Direct Referrals are the first generation of your Spending Squad. Indirect Referrals begin with the second generation and consists of all the Cardholders who were referred by your first generation. Your entire Spending Squad includes six generations of cardholders.



What if I do not refer anyone?

If you do not refer anyone, you will not earn FriendSpend Rewards. However, you can still enjoy the other benefits of the THAT Card.

You can refer people to the program at any time; FriendSpend Rewards are based on the Qualified Purchases of your Spending Squad, which starts with the first cardholder that you refer, whenever that happens.



Do I need to refer a minimum number of people in a month to earn FriendSpend Rewards?

No, there is no monthly requirement for Cardholders. However, since FriendSpend Rewards is based on the Qualified Purchases of your Spending Squad, you have to refer at least one Cardholder who completes Qualified Purchases to start earning FriendSpend Rewards.



What is a non-PIN purchase?

Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction. Purchases made with your 16-digit Visa account number, excluding purchase transactions where a 4-digit Personal Identification Number (PIN) was used. Purchases categorized as cash or quasi- cash are not eligible.

When you are asked “credit or debit” in a store, the credit option is a non-PIN purchase. On the other hand, the debit option requires your four-digit secure PIN code and will not count towards FriendSpend Rewards.

Note: Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



What is a PIN-Based Purchase?

A PIN-based purchase is a purchase for which you enter your four-digit secure PIN code. You can use your THAT Card for PIN-based purchases but remember PIN-based purchases do not generate FriendSpend Rewards. So, when you are asked “credit or debit” at a store, choose credit and the amount you spend is eligible for FriendSpend Rewards.



What is Quasi-cash?

Quasi-cash are liquid assets. Assets that are directly convertible to cash, such as, but not limited to, transfers to deposit accounts with other banks, purchases of casino gaming chips, money orders, cashier’s checks or travelers checks, the loading of some electronic purses and crypto currencies.



Can I refer anyone?

No, THAT Card is only available to residents of the United States (50 states and District of Columbia) who are at least 18 years old with a verifiable home address and social security number or ITIN.



Is there an age restriction on people I can refer?

Yes, the minimum age requirement is 18 years old.



Can two people refer the same person?

No, a Cardholder can only be referred by one person.



How many people do I need to refer to start earning FriendSpend Rewards?

It only takes one referral who completes Qualified Purchases using THAT Card to earn FriendSpend Rewards. The more people you refer, the more FriendSpend Rewards you can earn.



Do my referrals need to refer others?

No, your referrals only need to refer others if they too want to earn FriendSpend Rewards. Referrals going out a total of six generations (including your Direct Referrals as generation one) will build up more FriendSpend Rewards for you.



What if my Referral Code does not work?

If your Referral Code does not work, please contact Customer Service 24 hours a day, 7 days a week, and 365 days a year. Contact options include phone, email, chat, or mail.

Toll-Free Customer Service Phone Number: 1-855-915-1435 International Customer Service Phone Number: 1-702-410-6001 Email: support@ThatPrepaidCard.com

Chat: Click the Chat option found at the bottom of our website www.thatprepaidcard.com or mobile application.

Mailing Address: THAT Card PO Box 81888 Las Vegas, NV 89180-1888



Can I change my Referral Code?

No, your Referral Code cannot be changed.



Can I share a Referral Code with another person?

Yes, Referral Codes are meant to be shared with other people who want a card to help you build your Spending Squad. Each person who completes enrollment for a THAT Card will then get their own Referral Code to share.



Can I make up my own Referral Code?

No, you cannot make up your own Referral Code. Referral codes are randomly assigned when a person completes enrollment and their first card is ordered.



Can I post my Referral Code on my social media websites or public forums?

Yes, you can post your Referral Code on your own or you can use the tools on My Account using our website www.thatprepaidcard.com or mobile application. Please only use approved text when you share your Referral Code. You can find approved text on My Account. Please review Restrictions on Promoting Your Referral Code in the FriendSpend Rewards Agreement to see posting limitations and additional details at https://docs.thatprepaidcard.com/FSRTerms.pdf.



Can I email my Referral Code?

Yes, you can send individual emails to your contacts as long as they are not being sent as part of a bulk email blast. You cannot send bulk emails with your Referral Code, that is SPAM.

Please review Restrictions on Promoting Your Referral Code in the FriendSpend Rewards Agreement to see posting limitations and additional details at https://docs.thatprepaidcard.com/FSRTerms.pdf.



Can I do email blasts with my Referral Code?

No, you cannot send bulk emails with your Referral Code, that is SPAM.

Please review Restrictions on Promoting Your Referral Code in the FriendSpend Rewards Agreement to see posting limitations and additional details at https://docs.thatprepaidcard.com/FSRTerms.pdf.



How am I sure that I will get credit for people I refer?

As long as your Referral Code or email address is used when someone you refer enrolls for a THAT Card, or is added before the card is activated, you will receive credit for the referral and the Cardholder will be added to your Spending Squad as your Direct Referral. You can find a list of your Direct Referrals on My Account using our website www.thatprepaidcard.com or mobile application.



Can I create a paid advertisement to promote my Referral Code?

No, you cannot advertise your Referral Code.

Please review Restrictions on Promoting Your Referral Code in the FriendSpend Rewards Agreement to see posting limitations and additional details at https://docs.thatprepaidcard.com/FSRTerms.pdf.



Can I create a website that advertises my Referral Code?

No, you cannot create a website that advertises your Referral Code.

Please review Restrictions on Promoting Your Referral Code in the FriendSpend Rewards Agreement to see posting limitations and additional details at https://docs.thatprepaidcard.com/FSRTerms.pdf.



Will my Referral Code ever become inactive?

Yes, Your Referral Code will become inactive if your Card Account is closed or if your participation in the FriendSpend Rewards program is terminated.



When can I start referring people to get a THAT Card?

You can begin Direct Referrals as soon as you enroll. Once you complete your enrollment and receive your Referral Code, you can start referring people to get THAT Card. You do not need to wait until you receive a card to start referring Cardholders and building your Spending Squad.



Do I have to have 6 generations of referrals before I can earn FriendSpend Rewards?

No, you do not have to have 6 generations of referrals before you can start earning FriendSpend Rewards. It only takes one Direct Referral who completes Qualified Purchases to start earning FriendSpend Rewards.



Will I ever lose my referrals?

You will lose your Spending Squad (which includes your referrals) if your Card Account is closed or if your participation in the FriendSpend Rewards program is terminated. Once you lose your Spending Squad, you will no longer be entitled to earn Rewards or Double Rewards based on the spending of the Cardholders who were in your Spending Squad.



If someone I refer closes their Card Account or loses their referrals, do I lose their referrals too?

No, you will not lose any referrals in your Spending Squad if someone you refer loses their referrals. If any Card Account in your Spending Squad is closed, then that Cardholder shall be removed from your Spending Squad and all of that Cardholder’s Direct Referrals and Indirect Referrals shall be moved one Generation closer to you.

For example, if the Card Account of a Cardholder in your 4th Generation is closed, that Cardholder’s Direct Referrals shall be moved from your 5th Generation to your 4th Generation, the Indirect Referrals in that Cardholder’s 2nd and 3rd Generation (which previously were in your 6th and 7th Generation) shall be moved to your 5th and 6th Generation respectively.



Can I refer a business?

No, THAT Card is a consumer card and not available for businesses.



Can I refer a charity or nonprofit organization?

No, THAT Card is a consumer card and not available for organizations.



Can I pay someone to get a THAT Card (or can someone pay me to get a card)?

No, you are not permitted to charge any fees or request or receive compensation from any of your referral sources in connection with THAT Card or the FriendSpend Rewards program. This will cause you to be disqualified from the program.

Please review Restrictions on Promoting Your Referral Code in the FriendSpend Rewards Agreement to see posting limitations and additional details at https://docs.thatprepaidcard.com/FSRTerms.pdf.



How do I know if someone I refer orders a card?

You can see a list of all of your Direct Referrals by logging into My Account using our website www.thatprepaidcard.com or mobile application and clicking on Referrals in the main menu. Due to laws that protect consumer privacy, a limited amount of information can be shared. You will be able to see the following information about your Direct Referrals:



  • First name and last initial
  • Number of Direct Referrals
  • Number of Cardholders this person has contributed to your Spending Squad
  • Date of last Direct Referral




FriendSpend Rewards 


Visit the FriendSpend Rewards Forum for more information and to ask questions.

How much do I need to spend to earn FriendSpend Rewards?

Regular Rewards - There is no spending requirement to qualify for Regular Rewards. All you have to do is maintain your Card Account in active status and not have a negative balance at the end of the month.

Double Rewards - In order to qualify to receive Double Rewards in any month:


  • Your Personal Qualified Spend in that month must equal or exceed $500.00, and
  • Your Card Account must be in an active status the entire calendar month, and
  • Your Card Account must not have a negative balance at the end of the month.


How do you calculate FriendSpend Rewards?

Your Regular Rewards for a month is calculated by taking the total Qualified Purchases of your Spending Squad for the Calculation Period and multiplying that amount by four and one half basis points (.00045 or .045%). You can find your Regular Rewards amount accumulated up to the previous day for any calendar month by logging into My Account using our website www.thatprepaidcard.com or mobile application on or after the first day of the month.

Your Double Rewards for a month is calculated by taking the total Qualified Purchases of your Spending Squad for the Calculation Period and multiplying that amount by nine basis points (.0009 or .09%). You can track to see how much you have spent toward Double Rewards in the current month by logging into My Account using our website www.thatprepaidcard.com or mobile application.



How do I know how much my FriendSpend Rewards are?

You can find your Regular Rewards and Double Rewards amounts earned for any previous month or accumulated up to the previous day for the current month by logging into My Account using our website www.thatprepaidcard.com or mobile application.



When do I start earning FriendSpend Rewards?

You begin earning FriendSpend Rewards once you activate your THAT Card and the Cardholders in your Spending Squad begin making Qualified Purchases using their cards.



How do I receive the FriendSpend Rewards that I earn?

You can redeem your FriendSpend Rewards in the month after you have earned FriendSpend Rewards or anytime thereafter. Your FriendSpend Rewards is redeemable by logging into My Account using our website www.thatprepaidcard.com or mobile application and will typically be paid by posting a credit in the amount you have earned onto your Card Account.



Can I earn more FriendSpend Rewards than I spend?

Yes, The FriendSpend Rewards that you are eligible to earn is based on the Qualified Purchases of your Spending Squad. You can earn more FriendSpend Rewards than you spend in a month since the amount you can earn is primarily based on the Qualified Purchases of your Spending Squad.



Do I need to refer people to earn FriendSpend Rewards?

Yes, you build up FriendSpend Rewards based on the Qualified Purchases of your Spending Squad, which includes your Direct and Indirect Referrals going out six generations.



Is there a preset limit to the amount of FriendSpend Rewards I can earn?

No, there is no preset limit to the amount of FriendSpend Rewards that you can earn in a month.



If I spend more money in a month, will I earn more FriendSpend Rewards?

The only way that spending more will help you earn more is to qualify for Double Rewards. In order to qualify for Double Rewards in any month, your Personal Qualified Spend in that month must equal or exceed $500.00.



What if nobody that I referred spends any money with their THAT Card?

The FriendSpend Rewards that you are eligible to earn is based on the Qualified Purchases of your Spending Squad. If absolutely nobody in your Spending Squad completes Qualified Purchases with their THAT Card during a given month, you will not accumulate FriendSpend Rewards for that month.

However, if the cardholders you referred begin spending in the future, then you will become eligible for the FriendSpend Rewards based on their Qualified Purchases.



What if I do not spend $500 in Qualified Purchases in a month?

You can still qualify for Regular Rewards if you do not spend $500 in Qualified Purchases in a month. If, however, you spend at least $500 in Qualified Purchases in a month, then you qualify for Double Rewards.



How can you afford to pay so much FriendSpend Rewards?

FriendSpend Rewards is calculated based on the Qualified Purchases of six generations of Cardholders who got THAT Card as a result of you spreading the word (i.e. your Spending Squad). When all those Cardholders are spending money on their THAT Cards each month, your FriendSpend Rewards can grow and we grow our program at the same time. We both win.



Where does the money come from to pay the FriendSpend Rewards?

Businesses that accept Visa as a form of payment for non-PIN purchases pay a fee called interchange. With THAT Card, we use a portion of that interchange fee to pay FriendSpend Rewards to our Cardholders, similar to other cards that offer rewards.



Do I earn FriendSpend Rewards on all the spending of my referrals?

No, only Non-PIN purchases qualify for Rewards.

Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction. Purchases made with your 16-digit Visa account number, excluding purchase transactions where a 4-digit Personal Identification Number (PIN) was used. Purchases categorized as cash or quasi-cash are not eligible.

Note: Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



If I close my THAT Card Account will I still receive my FriendSpend Rewards?

In the event that your THAT Card Account is closed for a reason that is not due to default or fraud and you have earned FriendSpend Rewards you have not yet received, that FriendSpend Rewards will be sent to you via a paper check or electronic funds transfer.



What if I have questions about FriendSpend Rewards?

If you have any questions, please visit the FriendSpend Rewards Forum. The forum displays several articles which include questions and answers. You may also submit a new question by adding a comment within each article.



Can I see how much each of my referrals spends so I can make sure that I am paid the correct amount of FriendSpend Rewards?

No, due to laws that protect consumer privacy, we are not allowed to share with you this kind of personal financial information about other Cardholders. However, the FriendSpend Rewards program is administered and audited by Cascade Financial Technology Corp (“Cascade”). Cascade has developed a tracking system that analyzes all completed Qualified Purchases and ensures that the FriendSpend Rewards generated by each qualified purchase is allocated correctly to Cardholders. Cascade has built-in “checks and balances” to ensure that all FriendSpend Rewards computed is accurate and timely.



What’s the difference between accumulated, earned, and redeemed Rewards?

  • Accumulated - Rewards accrued by qualified spend by you and your Spending Squad during a calendar month.
  • Earned - Rewards which are added to your rewards balance after they’ve accumulated.
  • Redeemed – Rewards you move to your card balance.

You can redeem your FriendSpend Rewards in the month after you have earned FriendSpend Rewards or anytime thereafter. Your FriendSpend Rewards is redeemable by logging into My Account using our website www.thatprepaidcard.com or mobile application and will typically be paid by posting a credit in the amount you have earned onto your Card Account.





Does My Purchase Count for FriendSpend Rewards? 


Visit the FriendSpend Rewards Forum for more information and to ask questions.

Which transactions count towards FriendSpend Rewards / What is a Qualified Purchase?

Non-PIN purchases count towards FriendSpend Rewards. Non-PIN purchases include all card purchases where you do not enter your PIN to authorize the transaction. Purchases made with your 16-digit Visa account number, excluding purchase transactions where a 4-digit Personal Identification Number (PIN) was used. Purchases categorized as cash or quasi-cash are not eligible.

When you are asked “credit or debit” in a store, the credit option is a non-PIN purchase. On the other hand, the debit option requires your four-digit secure PIN code and will not count towards FriendSpend Rewards.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Why do only some transactions count towards FriendSpend Rewards?

Businesses that accept Visa as a form of payment for non-PIN purchases pay a fee called interchange. With THAT Card, we use a portion of that interchange fee to pay FriendSpend Rewards to our Cardholders, similar to other cards that offer rewards. We do not pay rewards on transactions that do not generate enough interchange to pay FriendSpend Rewards.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.



What does “non-PIN” mean?

Non-PIN means you do not enter your PIN to authorize the transaction. Your PIN is the secret four- digit PIN code assigned to your THAT Card.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



What does “purchase” mean?

Purchase means that the transaction was classified as a purchase based on the vendor’s merchant category code. Typically, with a purchase you receive a product or service in exchange for the payment. Some things that are typically not classified as purchases include bill payments, loan payments, mortgage payments, car note (i.e. car loan) payments, credit card payments, ATM withdrawals, card to bank transfers, card to card transfers, and any transaction that is classified as cash or quasi-cash.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



What does “with your card” mean?

With your card means that you used your 16-digit card number to make the purchase either by inserting or swiping it at a terminal, entering it with an online merchant or reading the card number over the phone for a phone purchase

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does a mortgage payment count towards FriendSpend Rewards?

Typically, a mortgage payment will not count towards FriendSpend Rewards, as it is not classified as a purchase. These transactions are usually considered a cash or quasi-cash transaction. Typically, with a purchase you receive a product or service in exchange for the payment.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does a rent payment count towards FriendSpend Rewards?

Sometimes a rent payment will count towards FriendSpend Rewards and sometimes it will not. It depends whether or not the rent is classified as a purchase or as a cash or quasi-cash transaction. As a rule, if you are paying a third party who charges you a fee and then sends the money to your landlord, the transaction will not count.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does a car note (i.e. car loan) count towards FriendSpend Rewards?

Typically, a car note (i.e. car loan) payment will not count towards FriendSpend Rewards, as this is not classified as a purchase. These transactions are usually considered a cash or quasi-cash transaction.

Typically, with a purchase you receive a product or service in exchange for the payment.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does a credit card payment count towards FriendSpend Rewards?

Typically, a credit card payment will not count towards FriendSpend Rewards, as this is not classified as a purchase. These transactions are usually considered a cash or quasi-cash transaction. Typically, with a purchase, you receive a product or service in exchange for the payment.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does a loan payment count towards FriendSpend Rewards?

Typically, a loan payment will not count towards FriendSpend Rewards, as this is not classified as a purchase. These transactions are usually considered a cash or quasi-cash transaction. Typically, with a purchase you receive a product or service in exchange for the payment.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



What types of bill payments count towards FriendSpend Rewards?

Typically, a bill for a product or service will count towards FriendSpend Rewards when you pay using your 16-digit card number. Examples of bill payments that will typically count towards FriendSpend Rewards are insurance bills, cell phone bills, utility bills, electric bills, water bills, gas bills, and cable/satellite bills using your 16-digit card number.

One way to look at it is if you are paying a bill for a previous purchase of a product or service, that bill will typically not count. Examples of this is a mortgage (previous purchase of house), car note (previous purchase of a car), credit card (previous purchases) or a loan (the loan proceeds may have been used to make a purchase).

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my insurance bill count towards FriendSpend Rewards?

Typically, paying your insurance bill will count towards FriendSpend Rewards when you pay using your 16-digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my cell phone bill count towards FriendSpend Rewards?

Typically, paying your cell phone bill will count towards FriendSpend Rewards when you pay using your 16-digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my utility bill count towards FriendSpend Rewards?

Typically, paying your utility bill will count towards FriendSpend Rewards when you pay using your 16- digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my electric bill count towards FriendSpend Rewards?

Typically, paying your electric bill will count towards FriendSpend Rewards when you pay using your 16-digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my water bill count towards FriendSpend Rewards?

Typically, paying your water bill will count towards FriendSpend Rewards when you pay using your 16- digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my gas bill count towards FriendSpend Rewards?

Typically, paying your gas bill will count towards FriendSpend Rewards when you pay using your 16- digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does paying my cable/satellite bill count towards FriendSpend Rewards?

Typically, paying your cable/satellite bill will count towards FriendSpend Rewards when you pay using your 16-digit card number.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.



Does donating money to a nonprofit organization count towards FriendSpend Rewards?

This depends on how the transaction is categorized by the nonprofit organization’s merchant processor.

You can verify if a particular transaction made by you counted towards FriendSpend Rewards by logging into My Account using our website www.thatprepaidcard.com or mobile application and go to the Card Activity page.

Any purchase that was made using your Routing and DDA numbers do not count towards FriendSpend Rewards, and purchases categorized as cash or quasi-cash are not eligible for FriendSpend Rewards.





Are FriendSpend Rewards Too Good To Be True? 


Visit the FriendSpend Rewards Forum for more information and to ask questions.

Is this a Pyramid Scheme (aka Ponzi scheme)?

No, THAT Card is not a Pyramid Scheme. One of the hallmarks of an illegal Pyramid Scheme is that it promises large profits based on the recruitment of others to join the program. The money in these schemes is made by the mere act of recruiting new members. With THAT Card, you are not paid any money simply by recruiting additional Cardholders. The only way you can receive FriendSpend Rewards is if the Cardholders that you refer make non-PIN purchases using their own cards. A program in which there is no compensation for recruitment would not be a Pyramid Scheme.

Another indicator of a Pyramid Scheme is an exorbitant registration fee. THAT Card has an initial card purchase fee of either $0.00 to $3.99, which is well within the industry standards for prepaid card programs. For a full schedule of fees pertaining to THAT Card, please see the Cardholder Agreement at https://docs.thatprepaidcard.com/CHA.pdf and for more information regarding fee practices in the prepaid industry please see this report published by Consumer Reports.



What about the Federal Trade Commission (FTC)?

The Federal Trade Commission has indicated that the critical question in its analysis in determining the existence of a pyramid scheme “is whether the revenues that primarily support the commissions paid to all participants are generated from purchases of goods and services that are not simply incidental to the purchase of the right to participate in the money-making venture.” Staff Advisory Opinion - Pyramid Scheme Analysis, Federal Trade Commission (January 14, 2004). Where the compensation system is funded primarily by payments made for the right to participate in the venture, it is an illegal pyramid scheme.

With THAT Card, the money to pay FriendSpend Rewards does not come from the fees you pay to have or use the card. Instead, the money comes from the interchange fee that is paid by merchants who accept Visa. Therefore, the Program would not be deemed a pyramid scheme.



Is this Multi-Level Marketing (MLM)?

No, THAT Card is not Multi-Level Marketing (MLM). MLM has been described as a way of distributing products or services in a way in which the distributors earn income not only from their own sales, but the sales made from their direct and indirect recruits. The distributors in an MLM earn commissions based on their own sales and those of the people they recruit. With THAT Card FriendSpend Rewards Program, we do not distribute any products or services (other than THAT Card), and you are not making any commissions that are derived on the sale of any goods or services that we sell.

Another distinction is that in a multilevel marketing program, the commissions paid are for sales of products and services. With THAT Card FriendSpend Rewards Program, you are not compensated for your own purchases or for referring others to get a THAT Card and you have no influence over any purchases made by any Cardholders that you directly or indirectly referred. Although the amount of FriendSpend Rewards that you may be eligible to earn is based on the spending of the Cardholders which you have directly or indirectly referred, there is no requirement that those Cardholders purchase from any specific product or service providers. This is another indicator that THAT Card FriendSpend Rewards Program is not a multilevel marketing program.



Is this a business opportunity?

No, THAT Card FriendSpend Rewards Program is not a business opportunity. Instead, it is simply an incentive that you may or may not choose to be involved in. Further, there is not an investment being made by you or any Cardholder. There is a one-time initial cost of $0.00 or $3.99 (new enrollment fee of $3.99 is waived if you load $20 during enrollment) to obtain THAT Card and a monthly service fee of $4.99 to maintain the card (waived if $750.00 or more of non-PIN purchases are made with your card during the previous month), and these fees are well within the industry standards for prepaid cards. For a full schedule of fees pertaining to THAT Card, please see the full fee schedule in the Cardholder Agreement at https://docs.thatprepaidcard.com/CHA.pdf and for more information regarding fee practices in the prepaid industry please see this report http://consumersunion.org/wp-content/uploads/2016/04/Prepaid-Cards-How-They-Rate-2016-07-06-2016-Complete-Report.pdf published by Consumer Reports.



How can you pay so much in FriendSpend Rewards?

FriendSpend Rewards is calculated based on the Qualified Purchases of six generations of Cardholders who got THAT Card as a result of you spreading the word (i.e. your Spending Squad). When all those Cardholders are spending money on their THAT Cards each month, your FriendSpend Rewards can grow and we can grow our program at the same time. We both win.

The real secret behind THAT Card FriendSpend Rewards is best compared to the difference between geometric and exponential progression. With geometric progression, you would earn FriendSpend Rewards based on how much you spend. With exponential progression, you earn FriendSpend Rewards on how much your Spending Squad spends. Since your Spending Squad includes your direct and indirect Referrals going out 6 generations, the amount spent can grow exponentially.



How do I know my money is safe?

First National Bank, Member FDIC, safely holds your money.



How do I know that I will actually get paid the FriendSpend Rewards that I earn?

The FriendSpend Rewards program is administered and audited by Cascade Financial Technology Corp (“Cascade”). Cascade has developed a tracking system that analyzes all completed non-PIN purchases and ensures that the FriendSpend Rewards generated by each qualified purchase is allocated correctly to Cardholders. Cascade has built-in “checks and balances” to ensure that all FriendSpend Rewards computed is accurate and timely.