This chapter does not apply to a stored value card that:
(1) is issued by:
(A) a financial institution acting as a financial agent of the United States or this state;
(B) a federally insured financial institution, as defined by Section 201.101, Finance Code, if the financial institution is primarily liable for the card as the issuing principal; or
(C) an air carrier holding a certificate of public convenience and necessity under Title 49, United States Code;
(2) is issued as a prepaid calling card by a prepaid calling card company regulated under Section 55.253, Utilities Code;
(3) is distributed by the issuer to a person under an awards, rewards, loyalty, incentive, rebate, or promotional program and is not issued or reloaded in exchange for money tendered by the cardholder;
(4) is sold below face value or donated to:
(A) an employee of the seller or issuer;
(B) a nonprofit or charitable organization; or
(C) an educational institution for fund-raising purposes; or
(5) does not expire and for which the seller does not charge a fee other than a fee described in Section 604.051.