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1 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.

In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions or account-to-account transfers, or be reloaded. Residents of the State of Vermont are ineligible to open a Card Account.

2 Faster access to funds is based on comparison of NetSpend's immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.

3 Any information, recommendations, as well as optional programs and products directly offered by, or made available through NetSpend Corporation ("NetSpend") are neither endorsed, guaranteed, nor administered by one or more of the banks for which NetSpend is an authorized Independent Sales Organization.

4 NetSpend Payback Rewards is an optional program. You may opt-out at any time by visiting your NetSpend Payback Rewards Summary Page at www.netspend.com. The reward offers we choose and send to you are based on your shopping habits. NetSpend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a NetSpend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the NetSpend Payback Rewards FAQs and the Program Terms and Conditions. Cash back rewards are credited to your account and not available in the form of a check or other direct payment method.

5 Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details.

6 A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, NetSpend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. [MetaBank®/The Bancorp Bank/BofI Federal Bank] is not affiliated in any way with the Refer-a-Friend rewards program and does not endorse or sponsor this program.

7 NetSpend does not charge for this service, but your wireless carrier may charge for messages or data.

The NetSpend Visa Prepaid Card is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to license by MasterCard International Incorporated. The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company; Members FDIC. Please see back of your Card for its issuing bank. NetSpend, a TSYS^® Company, is a registered agent of The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company. The NetSpend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The NetSpend Prepaid MasterCard may be used everywhere Debit MasterCard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2024 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.