Along the same lines of this topic, are agreements required to be signed by the cardholder? I was recently asked by another CO if cards, with disclosure verbiage, could be sent to customers without their request for the card? For example, a debit card would be sent with the verbiage about "using this card shows your agreement to the rules contained in the attached disclosure". I am unsure if that's an option. I cannot locate any information regarding the signed agreement. I would argue that the signed agreement would be the only way to prove the business had agreed to the terms and conditions of the debit card. Additionally, if they wanted a debit card for an employee, I would think that there would have to be some sort of signed agreement stating they take responsibility for authorized signers behavior with the company card. Thoughts?