From:	XXXX
Sent:	December-28-13 4:28 PM
To:	Consumer Code / Code consommateur
Subject:	prepaid XXXX

I recently purchased a prepaid XXXX gift card for $35.00. The purchase was made at XXXX and the issuing institution is XXXX out of XXXX.  
On further examination I realized that there is a $4.50 "activation fee" plus a 2.5% fee if used in the United States. The 
XXXX card should be considered "cash".  The activation fee is simply theft.  Charging a fee of 
12.86% of the total value to access the cash is outrageous.  If you further consider that XXXX 
collects a fee from the merchant when the gift card is used, the benefit to XXXX is totally 
excessive in relation to any value to the consumer.  

XXXX