Card Agreement: This generally refers to the agreement between the Card Issuer and the Cardholder. In most closed-loop retailer gift card programs the Card Agreement consists of terms and conditions placed on the Card Front and the Card Back. For bank-issued Cards, the Card Agreement is more elaborate and may include an insert accompanying the physical card. For Virtual Cards and instruments, the terms and conditions are commonly communicated online. Card Agreements are subject to a variety of regulations including Consumer Protection Laws.