I'd think it would be the responsibility of the company to provide disclosures. But, my understanding is that MasterCard is now requiring some if not all would-be non-financial institution stored-value issuers to have a financial institution act as issuer which brings the disclosures back into your arena. The "Visa Buxx" product is a widely marketed stored-value card. If you go to the Visa website and click through to the application page for Visa Buxx, you will find a number of bank-issuer's cardholder agreements and disclosures there for inspection.
http://www.visabuxx.com/signup/parents.cfm
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[This message has been edited by Ken Holmes (edited 02-28-2002).]