Mercer University offers, as a service to students, faculty and staff, a debit card system - Bear Card - on the campus of Mercer University. The purpose of this system is to provide safety and security to cardholders by eliminating the necessity to carry cash for services available on campus.

Bear Card - Account Holder's Liability for Unauthorized Purchases

If a University identification card containing the Bear Card account is lost or stolen, the Bear Card account holder is responsible for no more than $50 in unauthorized card purchases provided the card is reported as lost or stolen, within two days after learning of the loss or theft, to one of the following offices: The Office of Auxiliary Services, The Bursar's Office, The Mercer University Police Department or Mercer Food Services. Once the card is reported as lost or stolen, the Bear Card account will be deactivated.

If the Bear Card account holder fails to report an unauthorized card purchase within 60 days of transmittal of a statement, the account holder's liability for unauthorized purchases may have no dollar limit.

Notification Procedure for Lost or Stolen Cards or Unauthorized Use

Notice of lost or stolen cards or unauthorized card use should be reported immediately to one of the following offices: The Office of Auxiliary Services, The Bursar's Office, The Mercer University Police Department or Mercer Food Services. The Mercer University Police Department is open 24 hours a day and may be reached by calling (478) 301-2970.

Notice may be given at one of the above offices in person, by phone or in writing.

Disclosure of Accounting Information to Third Parties
The University will disclose information to third parties about the account holder's account or transfers made only:

(1) in order to comply with court orders or other applicable laws, or (2) if the account holder gives written permission.

Documentation of Account Activity

If the point of sale terminal is equipped to provide a receipt, the account holder will receive a receipt at the time of purchase. The account holder will also receive a monthly statement detailing the Bear Card account activity for the preceding month. If no activity has occurred, a statement will be sent at least quarterly.

University's Liability for Failure to Credit Deposits
If we do not complete a deposit credit to the account holder's account within a reasonable period of time, or in the correct amount according to our agreement with you, we will be liable, to the extent permitted by Georgia state law, for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If circumstances beyond our control - such as fire or flood - prevent the crediting of the cardholder's account, despite reasonable precautions that we have taken.
• If, through no fault of ours, there is a delay in transferring data from one University computer system to the Bear Card computer system.

Insufficient Funds

Under normal conditions, you will not be able to overdraw your Bear Card account. If, under certain unusual circumstances, an insufficient funds condition might occur, this insufficient condition must be cleared within three working days and is subject to charge of $5. If the condition is not cleared, the insufficient funds amount, including any penalty charges, will be billed to the cardholder's student account and must be cleared prior to registration for the next school term or receipt of grades.

Refunds/Withdrawals

Withdrawals of cash will not be allowed except at graduation or official withdrawal from Mercer University. Refund requests must be submitted in writing to the Office of Auxiliary Services. Refunds are processed when the account balance is $25 or more. Refunds will be mailed to the last known address of the cardholder within 30 days.

Error Resolution Procedures

The Office of Auxiliary Services should be contacted immediately if a discrepancy with a transaction appears on their Bear Card Statement and if more information is needed about a specific transaction. The account holder is responsible for notifying the Office of Auxiliary Services no later than 60 days from the date of the Bear Card statement on which the disputed transaction appears. Contact the Office of Auxiliary Services by calling 478-301-2929 or in writing at 1400 Coleman Avenue, Macon, Georgia, 31207-0001. Please provide the following information: