Consent to Agreement and Electronic Signature. Enjoy Your Money Network Service.

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2 MN_MB_NDP_VISA 07. MetaBank TM Money Network Cardholder Services 7000 Goodlett Farms Pkwy, Suite 200 Cordova, TN 06 Enjoy Your Money Network Service. With the Money Network Service ( Service ), your pay will be deposited into your Account ( Account ) every payday so you have immediate access to your money using either your enclosed Money Network Visa Paycard ( Paycard ) or Money Network TM Checks ( Check ), or both. To start receiving your pay through this Service, simply: Consent. Read the Consent to Agreement and Electronic Signature, and the enclosed Terms and Conditions. Activate. Follow the instructions on the activation sticker attached to your Paycard. You will need to set your PIN to make PIN-debit purchases, ATM withdrawals, and to access your Account. To learn more, read the Quick Start Guide. Consent to Agreement and Electronic Signature. I acknowledge that I have read the enclosed Money Network Service Terms and Conditions ( Terms and Conditions ), including the Electronic Fund Transfers, Funds Availability and Truth-in-Savings disclosures therein, and the Fee Schedule and Transaction Limit Schedule relating to the Account and Service and agree to be bound by them. I understand that retaining, activating or using the Paycard or Checks constitutes my electronic signature indicating such consent and acceptance to the Terms and Conditions. I acknowledge that any term of the Terms and Conditions, the Fee Schedule and the Transaction Limit Schedule, may change at any time (and I will be provided with notice of such change if required by law), and that my retention or my use of the Paycard or Checks after the effective date of any such change will constitute acceptance of the new terms or fees. Using Money Network Checks. Using your Paycard is not required. If you do not wish to use the Paycard, you can use the enclosed Checks to access funds in your Account. Write yourself a Check and cash it for free at select locations to get up to 00% of your wages without charge. For Customer Service, call: Visit us online at: Your cellular phone carrier may charge you receiving text messages. 202 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Cards are issued by MetaBank pursuant to a license from Visa U.S.A. Inc. and is subject to the Cardholder Terms and Conditions.

3 Account Information Slip / Volante de Opción de Pago Step : Complete the following information Completa los siguientes datos First Name / Nombre: Step 2: Remove this slip at the perforation and provide to your employer Desprende este volante y entrégaselo a tu patrono o empleador. Last Name / Apellido: Employee ID Number / Número de Empleado: For employer use / para uso del patrono o empleador: ABA Routing Number: Account Number:

4 Fee Schedule For more information, visit or call Customer Service at FREE Services and Transactions Purchases Signature-debit (select Credit and/or sign) at Point-of-Sale¹ ATM Withdrawals Using In-Network ATMs Nationwide¹ Money Network Checks³ Balance Inquiry (online or by phone) Balance Updates Text Message 4 or Bank/Teller Over the Counter Cash Withdrawal Transfer Funds to a Personal Bank Account (ACH transfer) Transfer Funds to a Secondary Card (Portable Account Only) Negative Account Balance (no insufficient funds or overdraft fees) Customer Service Fee-based Services and Transactions A fee will be deducted from the Account balance for certain services and transactions, including: Retail Load at Participating Locations (Portable Account Only)... 2 Monthly Account Maintenance...,6 Purchases PIN-debit Point-of-Sale Domestic and International...,6 Cash Back with a PIN-debit Purchase Domestic and International... ATM Withdrawals Out-of-Network Domestic...,6 ATM Withdrawals In-Network and Out-of-Network International... ATM Balance Inquiry and Decline In-Network and Out-of-Network Domestic...,6 ATM Balance Inquiry and Decline In-Network and Out-of-Network International... Foreign Transactions Conversion Fee Monthly Paper Statement (Optional. Tip: view it for free online)... Lost or Stolen Card Replacement... Lost or Stolen Card Replacement Additional Charge for Expedited Delivery... Secondary Card Request Card for Family or Dependants (Portable Account Only)... Transaction Limit Schedule ATM Withdrawal Limit... Point-of-Sale (POS) Transaction... Money Network Check Limit... Bank/Teller Over the Counter Withdrawal... Payroll Load (From original Employer who provided the Card).. Retail Load... ACH Load (Portable Account Only)... ACH Transfer (to a personal bank account)... Transfer to Secondary Card (Portable Account Only)... Portable Account Balance Maximum... Secondary Card Balance Maximum (Portable Account Only)... 9 Employer Sponsored Program 5 N/A $0.00 $.75 $.75 2% $2.95 $6.00 $.00 N/A Portable Account 5 Varies $2.95 $.75 $.75 2% $2.95 $6.00 $.00 $2.00 $600 per transaction and per day (bank limits may be less) $,000 per transaction and per day $9, per check and per day $,000 (bank limits may be less) No Limit $2,500 per transaction and per day; $5,000 per calendar month $4,000 per day; $,000 per calendar month $,000 per transaction $,000 per day; $2,000 per calendar month $,000 $,000 Test Display Only Wed May 22 07:25:9 20 Template: A Money_Network_A0_B09_OTW04694 Coded by: David Cully A200 = TE: You will be upgraded to a Money Network Premier, Portable Account, by the employer that originally provided your Card once you have not been employed with that employer for at least months. Upgrading requires a one-time verification of your identity. Portable Account Fees will apply. The above fees do not include any fee that may be separately charged by an owner or operator of an ATM or POS terminal and/or any network used in connection with the transaction, including any surcharge imposed by an Out-of-Network ATM. The amount of the surcharge will be disclosed at the ATM, and your consent to the charge must be obtained. To locate ATMs that are surcharge free (In-Network ATMs), go to the Money Network Locator at or call Customer Service. 2 Subject to the Terms and Conditions, the $2.95 Monthly Account Maintenance Fee will be waived each month in which an Employer Payroll Load, or other load activity, is posted to your Portable Account in the 0 days prior to the end of your statement period. There is no fee for cashing Money Network Checks at designated locations. Certain of those locations will cash Money Network Checks up to $5, per check. Other check-cashing locations may impose higher or lower limits, but one individual Money Network Check at any check cashing location, and multiple Money Network Checks in one day, may not be made payable for more than $9, See for a list of participating locations or call Customer Service. 4 Your cellular phone carrier's standard rates or other charges for receiving text messages may apply. 5 The fees for the Employer Sponsored Program will apply as long as you are employed by your Employer. You will be upgraded to a Money Network Premier Portable Account and Portable Account Fees will apply once you have not been employed at this employer for at least months. 6 For international transactions, we will charge a fee that is two percent (.02) of the converted amount for ATM and POS transactions in the card association networks. If a foreign currency ATM transaction is converted to U.S. dollars before it is entered into the card association networks, the conversion rates, fees and charges of the entity that did the conversion will apply. For each cross border transaction using the same currency, you will also be charged a fee of eight tenths of one percent (.00) of the transaction amount. 7 Optional. Monthly statements are also available at without charge. A printed 60-day transaction history is also available without charge upon request by contacting Customer Service. For security and regulatory reasons, we may further limit the number, type or dollar amount of transactions you may make using your Account or suspend the use of your Account and/or Card. See for latest transaction limits. 9 Maximum balance on Portable Account becomes effective only if you stop participating in your original Employer Sponsored Program. We reserve the right to revise the Fee Schedule from time to time, and will notify you accordingly. You acknowledge that by maintaining an Account and/or continuing to use the Services after such notification, you are thereby agreeing to any such revisions to the fees. 202 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this materials are the property of their respective owners. Cards issued by MetaBank. MB_MN_EFO_PPL (A.P. OF )

5 Tabla de cargos Template: B Coded by: David Cully Para obtener más información, visita o llama al Servicio al Cliente al Transacciones y Servicios GRATUITOS. Compras Por débito con firma (Selecciona Crédito ( Credit ) y/o firma) en un punto de venta (Point of Sale, POS) Retiros en cajeros automáticos dentro de la red en todo el país Cheques Money Network Consulta de saldo (por Internet o por teléfono) Actualizaciones de saldo Mensaje de texto 4 o correo electrónico Retiro de efectivo en el mostrador/banco Transferencia de fondos a una cuenta bancaria personal (transferencia de la Cámara de Compensación Automatizada [Automated Clearing House, ACH]) Transferencia de fondos a una tarjeta secundaria (Programa portátil únicamente) Saldo negativo de la cuenta (sin cargos por fondos insuficientes ni sobregiros) Servicio de Atención al Cliente TA: Usted puede actualizar a un Money Network Premier, portátil cuenta por el empleador, que en un principio siempre y cuando su tarjeta una vez que no se han empleado con ese empleador durante al menos meses. La actualización requiere una verificación de una sola vez de su identidad. Honorarios portátiles Cuenta se aplicarán. Servicios y transacciones con cargo Se deducirá un cargo del saldo de la Cuenta por ciertos servicios y transacciones, incluidos: Programa Patrocinado por el Empleador 5 Ingresos en centros minoristas participantes (Programa portátil únicamente)... N/A Mantenimiento del programa mensual 2... $0.00,6 Compras Por débito con PIN en punto de venta Nacional e Internacional... Devolución de dinero en efectivo con una compra por débito con PIN Nacional e,6 Internacional... Retiros por cajeros automáticos Fuera de la red Nacional... $.75,6 Retiros por cajeros automáticos Dentro y fuera de la red Internacional... Consulta de saldo y rechazo por cajero automático Dentro y fuera de la red Nacional... $.75,6 Consulta de saldo y rechazo por cajero automático Dentro y fuera de la red Internacional Transacciones internacionales Cargo por conversión % Estado de cuenta mensual periódico impreso 7 (Opcional - Sugerencia: puedes verlo en forma gratuita en línea)... $2.95 Reemplazo de tarjeta extraviada o robada... $6.00 Reemplazo de tarjeta extraviada o robada Cargo adicional por entrega rápida... $.00 Tarjeta secundaria Solicitud de tarjeta adicional para familiares o dependientes (Programa portátil únicamente)... N/A Programa portátil 5 Variado $2.95 $.75 $.75 2% $2.95 $6.00 $.00 $2.00 Tabla de límites de transacciones Límite de retiros por cajeros automáticos... $600 por transacción y por día (los límites del banco pueden ser menores) Transacción en punto de venta (POS)... $,000 por transacción y por día Límite de Cheques Money Network... $9, por cheque y por día Retiro en el mostrador del banco... $,000 (los límites del banco pueden ser menores) Ingreso de nómina (del Empleador original que proporcionó la Tarjeta)... Sin límite Ingreso en centros minoristas... $2,500 por transacción y por día; $5,000 por mes natural Ingreso de la ACH (Programa portátil únicamente)... $4,000 por día; $,000 por mes natural Transferencia ACH (a una cuenta bancaria personal)... $,000 por transacción Transferencia a una Tarjeta secundaria (Programa portátil únicamente). $,000 por día; $2,000 por mes natural Saldo máximo de la Tarjeta portátil... 9 $,000 Saldo máximo de la Tarjeta secundaria (Programa portátil únicamente).. $, Los cargos detallados anteriormente no incluyen aquellos que pudieran cobrar por separado los propietarios u operadores de cajeros automáticos o terminales de POS y/o cualquier red que se utilice en relación con la transacción, incluido cualquier recargo impuesto por un cajero automático fuera de la red. La cantidad del recargo se informará en el cajero automático y se debe obtener tu consentimiento para el cobro del cargo. Si deseas encontrar cajeros automáticos que nocobren recargos (cajeros automáticos dentro de la red), visita el Money Network Locator en o llama a Servicio al Cliente. Sujeto a los Términos y Condiciones, se anulará el cargo de $2.95 del mantenimiento mensual cada mes en el que se registre un ingreso de nómina del empleador, u otro ingreso, en tu Cuentade Tarjeta Portátil, en el término de 0 días antes del final de tu período de transacción. No se aplica ningún cargo por cobrar Cheques Money Network en los centros designados. Algunos de estos centros te permitirán cobrar Cheques Money Network de hasta $5, por cheque. Otros centros de pago de cheques podrían imponer límites más altos o más bajos, pero no se pagará un Cheque Money Network en un centro de pago de cheques, ni múltiples Cheques Money Network en un día, por más de $9, Visita para obtener una lista de los centros participantes o llama a Servicio al Cliente. Es posible que tu compañía de servicio celular aplique tarifas estándares u otros cargos por la recepción de mensajes de texto. Se aplicarán los Cargos del Programa Patrocinado por el Empleador mientras que estés con tu empleador actual. Usted puede actualizar a un Money Network Premier y tarifas de cuentas portátiles se aplicará una vez que no se han empleado en este empleador durante al menos meses. Para transacciones internacionales, se cobrará un cargo equivalente al dos por ciento (0.02) de la cantidad convertida en las transacciones realizadas en cajeros automáticos y POS en las redes de asociación de la tarjeta. Si una transacción en moneda extranjera realizada en cajero automático se convierte a dólares estadounidenses antes de que ingrese en las redes de asociación de la tarjeta, se aplicarán las tasas, los cargos y las tarifas de conversión de la entidad que realizó la conversión. También deberás pagar un cargo de ocho décimos del uno por ciento (0.00) del monto de la transacción para cada transacción internacional con la misma moneda. Opcional. Los estados de cuenta mensuales también se encuentran disponibles en sin cargo. También puedes solicitar sin cargo un historial impreso de operaciones de 60 días a Servicio al Cliente. Por razones de seguridad y motivos normativos, también podemos restringir el número, la cantidad en dólares o el tipo de las transacciones que puedes hacer en tu Cuenta o suspender el uso de tu Cuenta y/o Tarjeta. Visita para ver los límites de transacciones más recientes. El saldo máximo de la Tarjeta Portátil se vuelve efectivo solamente si deja de participar en el programa de nómina de su Empleador Original. Nos reservamos el derecho de revisar la Tabla de cargos periódicamente y te notificaremos al respecto según corresponda. Reconoces que al mantener una Cuenta y/o seguir usando los Servicios después de dicha notificación, estás aceptando por ello cualquiera de dichas revisiones que se realicen a los cargos. 202 First Data Corporation, Inc. Todos los derechos reservados. Todas las marcas comerciales, las marcas de servicio y los nombres comerciales mencionados en este material son propiedad de sus respectivos dueños. Tarjetas emitidas por MetaBank. MB_MN_EFO_PPL 4.5.

6 Check Number (include digit) Example Check Number HOW TO USE A MONEY NETWORK CHECK TM Use Money Network Checks (each, a Check ) to pay bills OR write yourself a Check and cash it to access funds available in your Money Network Account (your Account ). Follow these steps each time you write a Check:. Check your balance over the phone or online to ensure you can cover the Check amount. Enter the amount you wrote on the Check without the decimal point and press # (see Example 2. $4.5 would be entered as 4 5 #). 7. Write the ISSUER NUMBER and TRANSACTION NUMBER provided by the automated phone system (see Example ). Your finished Check should look similar to Example 2. Digit XXXXXXXXX X 7000 Goodlett Farms Pkwy., Suite 200 Cordova, TN Date $ PAY TO THE ORDER OF VOID AFTER 0 DAYS DOLLARS THE SUM OF ISSUER NUMBER This check is not valid without a TRANSACTION NUMBER. For your protection, before cashing, collect the information requested on the back of this Check, and call to verify the TRANSACTION NUMBER and dollar amount are valid. TRANSACTION NUMBER Issued by MetaBank, member FDIC. MetaBank, 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN Issuer Number MetaBank Transaction Number Dollar Amount 22 MN Generic Check 2. Write today s date and the dollar amount on a Money Network Check (see Example ).. Write a name where it says PAY TO THE ORDER OF. To pay a bill, write the company or person s name. To cash the Check yourself, write your own name. 4. Call the number on the back of your Card to access your Account. 5. Select the MONEY NETWORK CHECK option. 6. Use the keypad to: Enter the CHECK NUMBER and the DIGIT (see Example ). Important: Call Customer Service to request more Checks for free. Use the Locator on or call Customer Service to find a location nearby where you can cash your Check for free. Your finished Check s amount will be deducted immediately from your Account. For more details, including how to cancel a Check, refer to your Terms and Conditions or contact Customer Service. Other fees may apply. Refer to your Terms and Conditions. Example 2 Check Number 7000 Goodlett Farms Pkwy., Suite 200 Cordova, TN Company or person s name Forty-one and 5/00s ISSUER NUMBER VOID AFTER 0 DAYS DOLLARS This check is not valid without a TRANSACTION NUMBER. For your protection, before cashing, collect the information requested on the back of this Check, and call to verify the TRANSACTION NUMBER and dollar amount are valid. TRANSACTION NUMBER January $ PAY TO THE ORDER OF THE SUM OF Digit Date 2 Issued by MetaBank, member FDIC. MetaBank, 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN MetaBank $4.5 would be entered as 45 # on the phone 22 MN Generic Check

7 CÓMO USAR UN CHEQUE MONEY NETWORK Usa los Cheques Money Network (cada uno, un Cheque ) para pagar tus cuentas. También puedes cambiar uno para obtener dinero disponible en tu Cuenta Money Network (tu Cuenta ). Cada vez que emitas un Cheque, sigue estos pasos:. Consulta tu saldo por teléfono o por Internet para asegurarte de que puedes cubrir el monto del Cheque. 2. Escribe la fecha de hoy y el monto en dólares en un Cheque Money Network (ver Ejemplo ).. Escribe un nombre donde dice PAY TO THE ORDER OF. Para pagar una cuenta, escribe el nombre de la compañía o la persona; para cambiar el Cheque por dinero en efectivo, escribe tu nombre. 4. Llama el número telefónico que aparece en la parte de atrás de tu Tarjeta para acceder a tu Cuenta. 5. Elige la opción para CHEQUES MONEY NETWORK. 6. Usa el teclado para: Ingresar el número de Cheque (CHECK NUMBER) y el DIGIT (ver Ejemplo ). Ingresar el monto que escribiste en el Cheque sin el punto decimal y oprimir # (ver Ejemplo 2. Ingresarías $ #). 7. Escucharás el número de emisor (ISSUER NUMBER) y el número de transacción (TRANSACTION NUMBER). Escríbelos en las casillas según el Ejemplo. Tu Cheque completo debe verse parecido al Ejemplo 2. Importante: Otros cargos de otro tipo. Consulta los Términos y Condiciones. Llama al Servicio al Cliente para solicitar más Cheques sin costo adicional. Puedes encontrar locales cercanos a ti que cambien cheques sin costo usando el localizador en o llamando Servicio al Cliente. El monto de tu Cheque completo será deducido de tu Cuenta inmediatamente. Para más detalles, incluyendo cómo cancelar un Cheque, consulta los Términos y Condiciones o contacta Servicio al Cliente. PAY TO THE ORDER OF THE SUM OF ISSUER NUMBER 7000 Goodlett Farms Pkwy., Suite 200 Cordova, TN TRANSACTION NUMBER Issued by MetaBank, member FDIC. MetaBank, 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN MN Generic Check PAY TO THE ORDER OF THE SUM OF ISSUER NUMBER 7000 Goodlett Farms Pkwy., Suite 200 Cordova, TN TRANSACTION NUMBER Issued by MetaBank, member FDIC. MetaBank, 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN MN Generic Check Ejemplo Issuer Number (número de emisor) Example 2 Company or person s name Forty-one and 5/00s Check Number (número del cheque) y Digit DOLLARS This check is not valid without a TRANSACTION NUMBER. For your protection, before cashing, collect the information requested on the back of this Check, and call to verify the TRANSACTION NUMBER and dollar amount are valid. MetaBank Transaction Number (número de transacción) $ Check Number VOID AFTER 0 DAYS Digit XXXXXXXXX X Date VOID AFTER 0 DAYS DOLLARS This check is not valid without a TRANSACTION NUMBER. For your protection, before cashing, collect the information requested on the back of this Check, and call to verify the TRANSACTION NUMBER and dollar amount are valid. MetaBank Monto o cantidad Check Number Digit January $ 4.5 Date Marcarias $4.5 como 45 #

8 MOBILE APP Download the Money Network mobile app WEBSITE CUSTOMER SERVICE Give your Card to the attendant to pre-pay for gas and avoid a pre-authorization. As with most debit cards, if you pay at the pump, merchants will pre-authorize your purchase and hold a set dollar amount on your Account that is higher than the actual purchase amount. The balance is released once the payment is processed, which can take up to three days. MAKE A PURCHASE AT A GAS STATION. Find Check cashing locations near you by using the Locator tool online or by calling Customer Service. Your cellular phone carrier may charge you for receiving text messages. Other fees may apply. See the Fee and Transaction Limit Schedule. + Requires that you are no longer working for the employer that provided your Card and have not been employed with that company for at least months. Fees may apply. See the Fee and Transaction Limit Schedule. Call Customer Service to request more Checks for free. Helpful tip: Process may vary by merchant. Certain fees and transaction limits may apply for PIN debit transactions. Signature debit transactions are free. See the Fee and Transaction Limit Schedule for more information. You must activate a Check in order to use it. Detailed instructions are included with the Checks. Once your purchase has been rung up: USE A MONEY NETWORK CHECK. Swipe or present your Card. These free Checks can be used to pay bills. You can also write yourself a Check each payday and cash it for free at participating locations to access up to 00% of your wages at no charge, or anytime later to access the money available in your Account. Enter your 4-digit PIN or sign for the transaction. Follow the prompts on the screen. Request a Secondary Card for a family member or dependent+ MAKE A PURCHASE AT A STORE. Helpful tip: Use In-Network ATMs. Avoid additional withdrawal and ATM owner/operator surcharge fees by using Allpoint Network ATMs. Use the Locator on to find one near you. See the Fee and Transaction Limit Schedule. Find an Allpoint Network ATM Find a reload agent to add cash to your Account+ Find a Money Network Check cashing location Take your cash and your receipt. Transfer funds to a personal bank account Top up a prepaid mobile phone Pay bills online Enter the dollar amount you want to withdraw. By phone. Call to hear your balance. Your cellular phone carrier may charge you for receiving text messages. Via text message or . Visit us online or call Customer Service to sign up for text message or balance updates. KEEP TRACK OF YOUR ACCOUNT BALANCE. Download a direct deposit enrollment form Request a paper statement Online. Log in at. The Money Network Service is quite versatile and can be used: As your primary money management tool As a way to manage specific expenses or finances separately from your checking or savings account Select WITHDRAWAL from CHECKING. Change your PIN Enter your PIN. and transaction activity Swipe or insert your Card: Access your Account balance GET CASH AT AN ATM. balance notifications Mobile App Online By Phone Sign up for push, or text Welcome! GET STARTED: Your pay will be deposited into your Money Network Account every payday so you have immediate access to your money using your Money Network Paycard and Money NetworkTM Checks. KEEP YOUR ACCOUNT SECURE. Your PIN keeps your Account and the money in it secure. You should not give your PIN to anyone for any reason. If you can t remember your PIN, call Customer Service to create a new one. You Can TE: Certain fees and transaction limits may apply for PIN debit transactions. See the Fee and Transaction Limit Schedule for more information. GET CASH BACK WITH PURCHASES. MANAGE YOUR ACCOUNT. Avoid an extra trip to the ATM get cash back with PIN debit purchases at participating merchant locations. Access your Account information using the Money Network mobile app, visiting or by calling Customer Service at FREQUENTLY ASKED QUESTIONS. Q. Do I get a new Paycard every payday? A. No, your pay is deposited into your Account every payday. Use your existing Paycard to access the money in your Account at any time. TRANSFER FUNDS TO A PERSONAL BANK ACCOUNT. PAY BILLS ONLINE WITH YOUR CARD. Visit to learn more about the Money Network Bill Pay Service powered by TIO Networks. Visit us online at to learn how you can transfer funds from your Money Network Account to a personal bank account. Q. What if I don t spend all the money in my Account? A. It s your money and it will remain in your Account until you spend it or incur a fee. TE: Fees may apply. See the Fee and Transaction Limit Schedule. Transfers initiated on a banking business day prior to 5:00 PM CT will be available at the designated bank account on the next business day. Transfers completed after 5:00 PM CT or on weekends and holidays will be available at the designated bank account on the second business day. MONEY NETWORK PREMIER UPGRADE.+ If you no longer work for the employer that provided your Card, you will be upgraded to a Money Network Premier Account to receive additional features such as: Reloads. Add other types of funds to your Account in multiple ways. Go online or call Customer Service to learn more. International funds transfers. Send funds to a recipient with a bank account in another country. Secondary Card. Request and fund a Secondary Card for a family member or dependent. You decide when and how much money you want to add to their Card. + You will be upgraded to a Money Network Premier Account by the employer that originally provided your Card once you have not been employed with that employer for at least months. Upgrading requires a one-time verification of your identity. Fees may apply. See the Fee and Transaction Limit Schedule for more information. Q. Is there a monthly fee for the Paycard? A. No, not as long as you remain with the employer who provided your Paycard. If you no longer work for the employer that provided your Card, you will be upgraded to a Money Network Premier Account once you have not been employed with that employer for at least months. REPORT A LOST OR STOLEN CARD OR CHECK. Call Customer Service immediately to report your lost or stolen Card or Check.. Q. Does my employer know where I spend my money? A. No. Your employer cannot access any of your Account information or transactions. Lost or stolen Card. We will send you a replacement Card. You can use your Money Network Checks to access your money until your new Card arrives. Your balance will be sent automatically from your lost or stolen Card to your new Card when you activate it. Q. What happens if I stop working here? A. You will still have access to your funds. Your employer that provided the Card will upgrade you to a Money Network Premier Account once you have not been working for the company for at least months. See in your Terms and Conditions. Upgrading is subject to additional identity verification. 2. Lost or stolen Money Network Check. A Customer Service Representative will research the Check s status to confirm that it has not been cashed. If the Check has not been cashed, the funds will be re-deposited to your Account. Allow up to 0 days to restore the Check amount to your Account. Q. What should I do if my Account is suspended? A. If we are unable to verify your identity, your Account may be suspended. Call Customer Service at for more information. TE: Fees may apply for the replacement of a lost or stolen Card. See the Fee and Transaction Limit Schedule. 20 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in these materials are the property of their respective owners. Money Network Cards and Checks issued by MetaBank, Member FDIC. For more information on using your Card and Checks, visit or call Customer Service. Money Network Service Quick Start Guide Apple, the Apple logo, and iphone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. The device images are reproduced from work created and shared by the Android Open Source Project and used according to terms described in the Creative Commons Attribution License

9 Bienvenido! Tu pago se depositará en tu Cuenta Money Network cada día de pago, de manera que tengas acceso inmediato a tu dinero utilizando tu tarjeta de pago Money Network y los cheques Money NetworkTM. El Servicio Money Network es muy versátil y puede utilizarse de las siguientes formas: Como tu herramienta principal de manejo de dinero Como una forma de manejar gastos específicos o finanzas separadamente de tu cuenta corriente o cuenta de ahorros SERVICIO AL CLIENTE OBTÉN DINERO EN EFECTIVO CON LAS COMPRAS. ADMINISTRA TU CUENTA. Evita ir nuevamente al cajero automático: obtén dinero en efectivo con compras de débito con PIN en las tiendas de comerciantes participantes. Accede a la información de tu Cuenta mediante la aplicación móvil de Money Network por Internet en o llamando al Servicio al Cliente al TA: Es posible que se apliquen ciertos cargos y límites de transacciones a las operaciones de débito con PIN. Para obtener más información, ver la Tabla de cargos y límites de transacciones. Puedes EXTRAE DINERO EN EFECTIVO EN UN CAJERO AUTOMÁTICO. APLICACIÓN MÓVIL Descarga la aplicación móvil de Money Network Servicio Money Network Guía de inicio rápido Acceder al balance de tu Cuenta y a tus transacciones Ingresa tu PIN. Solicitar un estado de cuenta impreso Selecciona WITHDRAWAL (RETIRO) en CHECKING (CUENTA CORRIENTE). Transferir fondos a una cuenta bancaria personal Recargar un teléfono móvil prepago Pagar facturas por Internet Ingresa el monto en dólares que deseas retirar. Toma el dinero en efectivo y el recibo. Consejo práctico: Utiliza cajeros automáticos de la red. Evita cargos adicionales por retiro o recargos del propietario u operador del cajero automático utilizando los cajeros automáticos AllPoint Network. Utiliza el localizador en para encontrar uno cercano a ti. Ver la Tabla de cargos y límites de transacciones. UTILIZA UN CHEQUE MONEY NETWORK. Estos cheques sin cargo pueden utilizarse para pagar facturas. También puedes librar un cheque cada día de pago y cobrarlo sin cargo en las tiendas participantes, lo que te permite tener acceso al 00 % de tu salario sin cargo alguno o puedes librar un cheque cualquier día posterior para tener acceso al dinero disponible en tu Cuenta. Debes activar un cheque a fin de utilizarlo. Con los cheques, se incluyen instrucciones detalladas. Para solicitar más cheques sin cargo, llama al Servicio al Cliente. Encuentra tiendas de cobro de cheques utilizando el localizador en Internet o llamando al Servicio al Cliente. Configurar alertas de balance por push, o mensaje de texto Cambiar tu PIN Desliza o introduce tu tarjeta: SITIO WEB Aplicación Por Por móvil Internet teléfono Descargar un formulario de inscripción en el depósito directo Encontrar un cajero automático de Allpoint Network Encontrar un agente de recarga para añadir dinero en efectivo a tu Cuenta+ Encontrar un agente de recarga para añadir efectivo a tu Cuenta Solicitar una tarjeta secundaria para un familiar o dependiente+ s posible que tu compañía de servicio celular te cobre por la E recepción de mensajes de texto. Pueden aplicarse otros cargos. Ver la Tabla de cargos y límites de transacciones. + Se requiere que ya no estés trabajando para el empleador que te proporcionó la tarjeta y que no hayas trabajado con esa empresa por al menos meses. Es posible que se apliquen cargos. Ver la Tabla de cargos y límites de transacciones. PREGUNTAS FRECUENTES. CÓMO COMENZAR: MANTÉN SEGURA TU CUENTA. Tu PIN mantiene la seguridad de tu Cuenta y del dinero que se encuentra en ella. No debes darle tu PIN a ninguna persona por ningún motivo. Si no puedes recordar tu PIN, llama al Servicio al Cliente para crear uno nuevo. PAGA FACTURAS POR INTERNET CON TU TARJETA. Visita para obtener más información sobre el Servicio de Pago de Facturas Money Network con tecnología de TIO Networks. Por Internet. Inicia sesión en. Por teléfono. Llama al para oír tu saldo. Es posible que tu compañía de servicio celular te cobre por la recepción de mensajes de texto. HAZ UNA COMPRA EN UNA TIENDA. Una vez que se hayan registrado tus compras: Presenta o desliza tu tarjeta por el lector. Sigue las indicaciones en pantalla. Ingresa tu PIN de 4 dígitos o firma por la transacción. Consejo práctico: El proceso puede variar según el comerciante. Es posible que se apliquen ciertos cargos y límites de transacciones a las operaciones de débito con PIN. Las transacciones de débito con firma son sin cargo. Para obtener más información, ver la Tabla de cargos y límites de transacciones. HAZ UNA COMPRA EN UNA GASOLINERA. Entrégale tu tarjeta al empleado de la gasolinera y paga por adelantado y evita una autorización previa. Tal como sucede con la mayoría de las tarjetas de débito, si pagas en el surtidor, los comerciantes autorizarán previamente tu compra y retendrán un monto fijo en dólares sobre tu Cuenta que será más alto que el monto real de la compra. El saldo se libera una vez que se procesa el pago, lo cual puede llevar hasta tres días. Visítanos en Internet en para obtener más información sobre cómo puedes transferir fondos desde tu Cuenta Money Network a una cuenta bancaria personal. P: Qué sucede si no gasto todo el dinero de mi Cuenta? R: Es tu dinero y permanecerá en tu Cuenta hasta que lo gastes o incurras en un cargo. TA: Es posible que se apliquen cargos. Ver la Tabla de cargos y límites de transacciones. Las transferencias iniciadas en un día laboral bancario antes de las 5:00 p. m., horario central, estarán disponibles en el banco designado al siguiente día laboral. Las transferencias completadas después de las 5:00 p. m., horario central, o en fines de semana y feriados, estarán disponibles en el banco designado al segundo día laboral. VERIFICA EL BALANCE DE TU CUENTA. P or mensaje de texto o correo electrónico. Visítanos en Internet o llama al Servicio al Cliente si deseas inscribirte para recibir actualizaciones de saldo por mensaje de texto o correo electrónico. TRANSFIERE FONDOS A UNA CUENTA BANCARIA PERSONAL. P: Recibo una nueva tarjeta de pago cada día de pago? R: No, tu pago se deposita en tu Cuenta cada día de pago. Usa tu tarjeta de pago existente para acceder al dinero de tu Cuenta, en cualquier momento. ACTUALIZA A MONEY NETWORK PREMIER.+ Si ya no trabajas con el mismo empleador que te proporcionó la tarjeta, tu Cuenta será actualizada a una Cuenta Money Network Premier para recibir funciones adicionales, tales como: INFORMA SOBRE EL EXTRAVÍO O ROBO DE UNA TARJETA O CHEQUE. R ecargas. Añade otros tipos de fondos a tu Cuenta de diversas formas. Para obtener más información, visítanos por Internet o llama al Servicio al Cliente. Llama inmediatamente al Servicio al Cliente para informar sobre el extravío o robo de tu tarjeta o cheque. T ransferencias internacionales de fondos. Envía fondos a un receptor que tenga una cuenta bancaria en otro país.. Extravío o robo de tarjeta. Te enviaremos una tarjeta de reemplazo. Puedes usar tus cheques Money Network para tener acceso a tu dinero hasta que llegue tu nueva tarjeta. Tu saldo será transferido automáticamente de tu tarjeta perdida o robada a tu nueva tarjeta cuando la actives. T arjeta secundaria. Solicita una tarjeta secundaria y añade fondos en dicha tarjeta para un familiar o dependiente. Tú decides cuándo añadir dinero a la tarjeta y la cantidad de dinero que deseas añadir. Tu Cuenta será actualizada a una Cuenta Money Network Premier por el empleador que originalmente te proporcionó la tarjeta una vez que hayan pasado al menos meses desde la finalización de tu relación laboral con ese empleador. Para la actualización se requiere verificar por única vez tu identidad. Es posible que se apliquen cargos. Para obtener más información, ver la Tabla de cargos y límites de transacciones Extravío o robo de cheque Money Network. Un representante del Servicio al Cliente realizará una investigación del estado del cheque para confirmar que no haya sido cobrado. Si no se ha cobrado el cheque, los fondos se volverán a depositar en tu Cuenta. Permite que transcurran hasta 0 días para que el monto del cheque sea restituido. TA: Pueden aplicarse cargos por el reemplazo de una tarjeta extraviada o robada. Ver la Tabla de cargos y límites de transacciones. Para obtener más información sobre cómo utilizar tu tarjeta y tus cheques, visita o llama al Servicio al Cliente. P: Existe algún cargo mensual por la tarjeta de pago? R: No, siempre y cuando permanezcas con el mismo empleador que proporcionó tu tarjeta de pago. Si ya no trabajas con el mismo empleador que te proporcionó la tarjeta, tu Cuenta será actualizada a una Cuenta Money Network Premier, una vez que hayan pasado al menos meses desde la finalización de tu relación laboral con ese empleador. P: Sabe mi empleador dónde gasto mi dinero? R: No. Tu empleador no puede acceder a ningún tipo de información ni transacciones de tu Cuenta. P: Qué sucede si dejo de trabajar aquí? R: Aun así, tendrás acceso a tus fondos. El empleador que te proporcionó la tarjeta actualizará tu Cuenta a una Cuenta Money Network Premier una vez que hayan pasado al menos meses desde la finalización de tu relación laboral con la empresa. Consulta los Términos y condiciones. La actualización está sujeta a verificación adicional de la identidad. P: Qué debo hacer si suspenden mi Cuenta? R: Si no podemos verificar tu identidad, es posible que se suspenda tu Cuenta. Para obtener más información, llama al Servicio de Atención al Cliente al First Data Corporation. Todos los derechos reservados. Todas las marcas comerciales, las marcas de servicio y los nombres comerciales a los que se hace referencia en este material son propiedad de sus respectivos dueños. Las tarjetas y cheques Money Network son emitidos por MetaBank, miembro de la Corporación Federal de Seguros de Depósitos (Federal Deposit Insurance Corporation, FDIC). Apple, el logotipo de Apple y iphone son marcas comerciales de Apple Inc., registradas en los EE. UU. y otros países. App Store es una marca de servicio de Apple Inc. Android es una marca comercial de Google Inc. Las imágenes del dispositivo se reproducen a partir del trabajo creado y compartido por el proyecto Open Source de Android y se utilizan según las condiciones descritas en la licencia Creative Commons Attribution

10 or services obtained with your Card, you agree to accept credits to your Card account for such refunds. The amounts credited to your Card account for refunds may not be available for up to five (5) days from the date the refund transaction occurs. 0. Receipts. You should get a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipt to verify your transactions. You can get a receipt at the time you make any transfer from your Card account using one of our ATM terminals.. Obtaining Card Account Information. You may obtain information (e.g., Account balance, transaction information, and a single 60-day transaction history) by contacting Customer Service. You may also elect to receive such account information by visiting and registering for alerts or text-message alerts (carrier charges may apply). You may also access such account information via the Money Network mobile application, available for download from the appropriate app store. You may also request a recurring Monthly Paper Statement, the fee for which is shown on your Fee Schedule. 2. Change in Your Address. You must write to Customer Service when you change your address. You agree that any communication sent to you at your last address on record with us will be deemed to have been received by you.. Confidentiality. We may disclose information to third parties about your Card account or the transactions you make: () Where it is necessary for completing transactions; (2) In order to verify the existence and condition of your Card account for a third party, such as merchant; () In order to comply with government agency or court orders, or other legal reporting requirements; (4) If you give us your written permission; or (5) To our employees, auditors, affiliates, service providers, or attorneys as needed. 4. Your Account Balance. (a) Account Balance. Your Account will reflect direct deposits of your wages and other compensation from Employer ( Payroll Loads ) and, upon termination from your current employer you shall be approved for a Portable Account (which shall occur no earlier than months after your employment has ended) as provided in Section 29, any Retail Loads and ACH Loads made by you (as such terms are defined in Section 29), less transactions, fees and charges under this Agreement. If you request a Money Network Check from your Account and do not redeem it within 0 days after the date of authorization, the Money Network Check will be canceled and the funds will be credited to your Account. (b) Accessing Account Information. You may access information about your Account from our IVRU or on our Web Site without a charge. There are additional ways to access information about your Account, such as at an ATM or by contacting Customer Service. Fees may apply, as provided in the Fee Schedule. (c) Cardholders Who Do Not Receive Monthly Account Statements. You may obtain information about the amount of money you have remaining in your Account by calling Customer Service. This information, along with a 60-day history of Account transactions, is also available online at. You also have the right to obtain a 60-day written history of Account transactions by calling or writing to Customer Service. You agree to promptly review your Account information and to notify Customer Service at the address or phone number below at once if any Account information shows transactions that you did not make or authorize. Section 7 has more specific information about disputing transactions, fees, or errors. (d) Cardholders Who Receive Monthly Account Statements. In the event you opt-in to receiving monthly account statements, we will provide you with an Account statement monthly for every month in which your Account is open. The statement will include information about the transactions you made, your deposits, fees and adjustments to your Account. You agree to promptly review your monthly Account statements and to notify Customer Service at the address or phone number on the back of your Card at once if any statement shows transactions that you did not make or authorize. Section 7 has more specific information about disputing transactions, fees, or errors shown on your monthly Account statement. See Fee Schedule for applicable fees. 5. Errors, Overpayment; Our Right to Offset. (a) Errors and Overpayments: We and Employer, where applicable, reserve the right to deduct funds from your Account in order to correct a previous error or overpayment to you, and you authorize us (i) to share information as necessary with any funding entity (including Employer) in connection with resolving any errors or overpayments related to Payroll Loads, and upon termination from your current employer and you have been approved for a Portable Account (which shall occur no earlier than months after your employment has ended) then Retail Loads or ACH Loads and (ii) to the extent applicable, to accept instructions from Employer to add or deduct funds from your Account and, in the case of deductions, to return those funds to Employer. (b) Right to Offset: We have the right to offset against your Account balance any indebtedness owed by you to us, whether individually or jointly owed. We may offset against your Account balance either before or after your death without demand or notice to you. We will not be liable for any dishonored transaction entry that results. 6. Our Liability for Failure to Complete Transactions. If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance: () If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction; (2) If a merchant refuses to accept your Card; () If an ATM where you are making a cash withdrawal does not have enough cash; (4) If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction; (5) If access to your Card has been blocked after you reported your Card or PIN lost or stolen; (6) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (7) If we have reason to believe the requested transaction is unauthorized; () If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; (9) Any other exception stated in our Agreement with you. 7. Lost or Stolen Cards; Unauthorized Transfers. If you believe your Card or PIN has been lost or stolen, call: or write: 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN 06. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your Card or PIN without your permission. Your Liability for Unauthorized Visa Prepaid Card Transactions. Tell us, AT ONCE, if you believe your Visa Card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized transactions that take place on the Visa system is zero dollars ($0). We may require you to provide a written statement regarding claims of unauthorized transactions. These provisions limiting your liability do not apply to ATM, POS, PINless, or any other debit transactions not processed by Visa. In addition to this paragraph, we may also be responsible to you for unauthorized transactions (see Your Liability for Unauthorized Transfers paragraph below). Your Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning toll-free at is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do T tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days of the earlier of the date you electronically access your account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.. Unclaimed Property. Your Card is subject to unclaimed property laws where your Card has been registered, or the laws of the state where we are located/incorporated if the Card is not registered. Should your Card have a remaining balance after a certain period of time, we may be required to remit remaining funds to the appropriate state agency. 9. Other Terms. Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law. 20. Amendment and Cancellation. We may amend or change the terms of this Agreement at any time without prior notice to you except as required by applicable law. We may cancel or suspend your Card or this Agreement at any time without prior notice to you except as required by applicable law. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in this Agreement. 2. Information About Your Right to Dispute Errors. In case of errors or questions about your Card telephone us at or write us at 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN 06 as soon as possible, if you think an error has occurred in your Card account. We must hear from you no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by contacting us at the number or address above. You will need to tell us the following: () your name, (2) your Card number, () why you believe there is an error, (4) the dollar amount involved, and (5) approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 0 business days. We will determine whether an error occurred within 0 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 0 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. Funds will remain contingent on whether we determine if an error occurred. If we ask you to put your complaint or question in writing and we do not receive it within 0 business days, we may not credit your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling Privacy and Data Protection. WHAT DOES METABANK DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and other personal information such as name, address and phone number and Transaction activity When you are no longer our customer, we continue to share your information as described in this notice How? All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons MetaBank chooses to share; and whether you can limit this sharing. Privacy Definitions: Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. MetaBank has no affiliates with which it shares your personal information. Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. MetaBank does not share your personal information with nonaffiliates so they can market to you. Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We may partner with nonaffiliated financial companies to jointly market financial products or services to you. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness For our affiliates to market to you For our nonaffiliates to market to you Does MetaBank share? YES YES YES Can you limit this sharing? We do not share We do not share We do not share We do not share Questions? Call or go to. Who is providing this notice? This privacy policy is provided by MetaBank and applies to your Card and related products and services. How does MetaBank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does MetaBank collect my personal information? We collect your personal information, for example, when you Open an account or use your prepaid card Make a purchase or other transaction Provide us your name or other information Why can t I limit all sharing? Federal law gives you the right to limit only Sharing for affiliates everyday business purposes information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Other Important Information If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law. 2. Telephone Monitoring/Recording. From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law. 24. Website and Activity. Although considerable effort is expended to make our Web Site and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day. You agree that we will not be responsible for temporary interruptions in service due to maintenance, Web Site changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes, acts of terrorism and acts of war. You agree to act responsibly with regard to the Web Site and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Web Site s systems and integrity. We shall not bear any liability whatsoever for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. We advise the regular use of a reputable and readily available virus screening and prevention software. 25. Links. Our Web Site may contain links to other web sites, provided as a convenience to you and not an endorsement by us. We are not responsible for the content of any such web site, which you enter at your own risk. 26. No Warranty Regarding Goods and Services. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. 27. Arbitration. Purpose: This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court. Definitions: As used in this Arbitration Provision, the term Claim means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. Claim includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term Claim is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds in the Card accounts; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court. As used in the Arbitration Provision, the terms we and us shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, we or us shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms you or yours shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders. Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the Judicial Arbitration and Mediation Services ( JAMS ), or the American Arbitration Association ( AAA ), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 0 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 920 Main Street, Suite 00, Los Angeles, CA 9264; website at (ii) AAA at 5 Madison Avenue, New York, NY 007; website at Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU R WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE CODE ). FURTHER, YOU WILL T HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR S DECISION WILL BE FINAL AND BINDING. TE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY T BE AVAILABLE IN ARBITRATION. Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections -6, as it may be amended (the FAA ). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (5) days of receiving the requesting party s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected

11 ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). International Transaction Fee: If you obtain your funds, make a purchase in a currency or country other than the currency on your card, or make a purchase from a merchant using a bank that uses currency other than the currency or country in which your Card was issued, the amount deducted from your funds will be converted by MasterCard International Inc. or Visa U.S.A. Inc. into an amount in the currency of your Card. We will establish a currency conversion rate for this convenience using a rate selected by MasterCard International Inc. or Visa U.S.A. Inc. from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate MasterCard International Inc. or Visa U.S.A. Inc. receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Bank. This percentage amount is independent of any amount taken by the Bank in accordance with the following section of these Terms & Conditions. If you obtain your funds, make a purchase in a currency or country other than the currency on your card, or make a purchase from a merchant using a bank that uses currency other than the currency or country in which your Card was issued, the Bank may increase the currency conversion rate (described in the immediately preceding section) up to an additional % and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by MasterCard International Inc. or Visa U.S.A. Inc.. Using Your Card. The Card is a prepaid card. The Card allows you to access funds loaded or deposited to your Card account by you or on your behalf. Your Card account does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a credit card. You will not receive any interest on the funds in your Card account. The funds in your Card account will be FDIC insured provided your Card is registered. Your funds will never expire, regardless of the expiration date on the front of your Card. In order for the Card to accept reloads. The USA PATRIOT ACT, a federal law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card account. When you open a Card account, we may ask you for your name, address, date of birth, social security number and other information that will allow us to reasonably identify you. We may also ask to see your driver s license or other identifying documents. We may limit your ability to use your Card or certain Card features until we have been able to successfully verify your identity. 4. Access to Account; Funding. (a) Access: You may access funds from your Account by using your Card at a participating ATM or POS terminal and transaction fees may apply, See the Fee Schedule. You may also access your funds by requesting a transaction and/or authorization number for a Money Network Check (as further described in Section 5), by making an over the counter withdrawal in person at participating bank locations ( Bank Over the Counter Withdrawals ), or as otherwise permitted by this Agreement. We may refuse any transfer request which you attempt on forms not approved by us, by any method which we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations as indicated in the Transaction Limit Schedule. Whether we honor or dishonor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing your Account. We will use the date the transaction is completed by us (as opposed to the date you requested it) to apply to any frequency or amount limitations. The fact that we may honor withdrawal requests that cause your Account to have a negative balance does not obligate us to do so later. See Section 6 for information about when you can obtain withdrawals of funds from your Account. (b) Payroll Loads: For Payroll Loads, Employer will report its deposit of funds to your Account to the appropriate governmental agencies and you will receive the appropriate notification, for the purposes of tax reporting, from Employer. We bear no responsibility, whatsoever, for any such reporting or tax liabilities. (c) Transaction Limits: See Transaction Limit Schedule for information regarding limits on loads and other transactions. For security and regulatory reasons, we may further limit the number, type or dollar amount of transactions you may make to your Account or suspend the use of your Account and/or Card. Authorized Users: Other than the event where an additional card is required, you may not permit another person to have access to your Card or Card number. If you do provide access to your Card or Card number, you are liable for all transaction made with the Card or Card number by those persons. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. You are responsible for all transactions and fees incurred by you or any other person you have authorized. If you tell us to cancel another person s use of your Card or companion Card, we may revoke your Card and issue a new Card with a different number. You are wholly responsible for the use of each Card according to the terms of this Agreement subject to the Your Liability provisions and Zero Liability provisions below, and other applicable law. Personal Identification Number: During activation of your Account as described above, you will be required to establish a Personal Identification Number ( PIN ). You may use your Card (i) at any point-of-sale ( POS ) device, which requires entry of a PIN where the logo of any Card Association shown on your Card is displayed; or (ii) to obtain cash from any Automated Teller Machine ( ATM ). All ATM transactions are treated as cash withdrawal transactions. You should not write or keep your PIN with your Card and do not share your PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in Section 7 below. 5. Use of Money Network Checks. An initial stock of Money Network Checks is provided when you activate the Services. In addition to using your Card, you may choose to receive your pay each or any pay period by completing a Money Network Check and contacting Customer Service and using the Interactive Voice Response Unit ( IVRU ), an automated phone system. The IVRU process requires you to enter the number on your Card in order to access your funds with a Money Network Check. You acknowledge that if you choose not to use the Card, you will need to keep your Card number in order to use the Money Network Checks. The amount of the Money Network Check you authorize using the IVRU will be electronically debited against your Account immediately. Please note that once you complete a Money Network Check with a transaction number, that Money Network Check is valid for the amount authorized and could be cashed or negotiated by anyone who has possession of the Money Network Check. You should carefully safeguard any Money Network Check for which you have received a transaction number. To learn how to cancel a Money Network Check after it has been authorized and receive credit to your Account, please refer to the Money Network Check instructions that accompanied your Card. If an authorized Money Network Check is not cashed or deposited within 0 days after the date it is authorized, the Money Network Check will be canceled and the funds credited to your Account. To order additional Money Network Checks or for additional questions regarding Money Network Checks, please contact Customer Service. 6. Account Access/Using Your Card. (a) You may access funds from your Account by using your Card and PIN at a participating ATM or POS terminal; by requesting an issuer and transaction number for a Money Network Check (as further described in Section 5); by making an over-the-counter withdrawal in person at participating bank locations ( Bank Overthe-Counter Withdrawals ); or as otherwise permitted by this Agreement. (b) As long you do not exceed the balance available in your Account, you may use your Card to: (i) withdraw cash; (ii) purchase goods or services wherever the logo on your Card is displayed; and (iii) pay bills by phone, online, or in person. Some of these services may not be available at all terminals or with all merchants. You may not use your Account or your Card for any illegal transactions, at casinos, or for any gambling activity. We reserve the right to refuse any transaction at any time. (c) We may refuse any transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations as indicated in the Transaction Limit Schedule. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing your Account. We will use the date the transaction is completed by us (as opposed to the date you requested it) to apply to any frequency or amount limitations. The fact that we may honor withdrawal requests that cause your Account to have a negative balance become overdrawn does not obligate us to do so later. See the funds availability policy disclosure for information about when you can obtain withdrawals of funds from your Account. (d) For Payroll Loads, Employer will report its deposit of funds to your Account to the appropriate governmental agencies and you will receive the appropriate notification, for the purposes of tax reporting, from Employer. We bear no responsibility whatsoever for any such reporting or tax liabilities. See Transaction Limit Schedule included in your Welcome Packet for information regarding limits on loads and other transactions. For security and regulatory reasons, we may further limit the number, type or dollar amount of transactions you may make to your Portable Account or suspend the use of your Portable Account and/or Card. The owner or operator of the POS terminal at the retail location where you complete a Retail Load may charge a fee for loading value to your Portable Account (which is in addition to any applicable load fee as indicated on the Fee Schedule), and, together with ATM owners or operators, as well as banks, check cashers and other service providers, may impose different minimums and limits from those set forth in the Transaction Limit Schedule You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. If you do not have enough funds available in your Card account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called split transactions. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. Each time you use your Card, you authorize us to reduce the funds available in your Card account by the amount of the transaction. You are not allowed to exceed the available amount in your Card account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in your Card account, you shall remain fully liable to us for the amount of the transaction. We reserve the right to bill you for any negative balance. You agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card and close your Card account should you create one or more negative balances with your Card. You do not have the right to stop payment on any purchase transaction originated by use of your Card, except as otherwise provided herein. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds until the hold is released by the merchant. 7. Preauthorized Transfers. Preauthorized credits: If you have arranged to have direct deposits made to your Card account at least once every 60 days from the same person or company, you can call us at to find out whether or not the deposit has been made. Right to stop payment and procedure for doing so: If you have told us in advance to make regular payments out of your Card account, you can stop any of these payments. Here s how: Call us at or write us at 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN 06 in time for us to receive your request business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 4 days after you call. Notice of varying amounts: If these regular payments may vary in amount, the person you are going to pay will tell you, 0 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set). Liability for failure to stop payment of preauthorized transfer: If you order us to stop one of these payments business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.. Business Days. For purposes of this Agreement, our business days are Monday through Friday until 6:00 p.m. Eastern Time. Federal and bank holidays are not included. 9. Returns and Refunds. If you are entitled to a refund for any reason for goods to by the appealing party. The appealing party shall have thirty (0) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (20) days of the date of the appellant s written notice. The decision of the panel shall be by majority vote and shall be final and binding. Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. 2. Claims by Third Parties Against Your Account. (a) Claims or Disputes by Third Parties Concerning Your Account. If a third party makes a claim against funds in your Account, or if we have reason to believe there is or may be a dispute over matters such as the ownership of your Account or the authority to withdraw funds, we may, in our sole discretion, () continue to rely on current enrollment forms or other Account documents, (2) honor the competing claim upon receipt of evidence we deem satisfactory to justify such action, () freeze all or part of the funds until the dispute is resolved to our satisfaction, or (4) pay the funds into an appropriate court of law for resolution. (b) Liens and Attachments. Following receipt by us of any notice of lien, process in attachment, garnishment or other proceeding relating to you or your Account, we are authorized, without notice to you, unless otherwise required by law, to withhold transfer of so much of the balance of your Account as may be the subject of such notice or process, and to pay such amount to the court or creditor, in accordance with applicable state or federal law, without responsibility to you for such withholding or payment or for refusal to honor transfers made by you. 29. Portable Program for Terminated Employees. (a) Approval: If you have a Payroll Account and (i) we receive notice from your Employer that your employment has terminated and months has passed after your employment has ended); or (ii) the agreement between Program Manager and your Employer for the Program has terminated, we will upgrade your Payroll Account to a reloadable general purpose prepaid card account ( Portable Account ) and conduct additional verification of your identity. We will notify you if you fail to satisfy our identity verification requirements and request you to provide us additional documentation required to correct the failure. If you do not satisfy our identity verification requirements within ten (0) days after the notification described above, we may terminate this Agreement as provided in Section 20 and mail a refund check to the last address we have on record for you. If your Account is suspended, please call Customer Service to resolve the suspension and restore full functionality of your Account or to access the remaining funds in your Account by Money Network Check. Your Portable Account will be insured by the FDIC up to the limits permitted by law. You will not receive any interest on your Portable Account balance. (b) Features and Functionality: If you are approved for a Portable Account, your Portable Account has additional functionality not otherwise available on your Payroll Account, including, without limitation, the ability to add personal funds and other funds to your Account and the ability to obtain a Secondary Card as provided in Section 0 below. (c) Additional Loads: We may have arrangements that allow you to load additional funds to your Portable Account through the methods described below. To the extent these additional methods are made available to you, the terms described herein will apply. Retail Loads. Available at participating retail locations as designated by us or Program Manager from time to time. See for a list of participating locations. At some participating locations, Retail Loads must be made using cash only. ACH Loads. An ACH transfer to your Account, using the account number and ABA routing number provided on your Card Carrier. (d) Retail Load Fees: The owner or operator of the POS terminal at the retail location where you complete a Retail Load may charge a fee for loading value to your Account (which is in addition to any applicable load fee as indicated on the Fee Schedule), and, together with ATM owners or operators, as well as banks, check cashers and other service providers, may impose different minimums and limits from those set forth in the Transaction Limit Schedule. (e) Important Disclosures: In connection with the upgrade to a Portable Account, you will not receive a new Card. After the upgrade, you may continue to use your Card as a general purpose prepaid card, but your Portable Account will not be tied to any employer s payroll distribution program and new Fees (see paragraph below) and Transaction Limits may apply. You may however, at your option, choose to have your wages from your new Employer or any other employer automatically deposited to your Portable Account, provided such employer supports such direct deposits and subject to the applicable ACH Load Limit. You will also continue to be able to use the Money Network Checks to access the full amount of your Account balance. You may obtain information about your Portable Account at any time from our IVRU or Web Site at no charge. (f) Fees for the Portable Account: Upon upgrade to the Portable Account as provided in this Section 29, the fees set forth in the Fee Schedule under the heading Portable Account Fees will apply, including a Monthly Account Maintenance Fee. Upon your Payroll Account being upgraded to a Portable Account as described in Section 29(a) above, the Monthly Account Maintenance Fee will be waived during a grace period of not less than sixty (60) days from the date we receive notice from your Employer that you have been terminated. The Monthly Account Maintenance Fee will also be waived each month in which a Payroll Load, or other load activity, is posted to your Portable Account in the thirty (0) days prior to the end of your statement period. In addition to the Monthly Account Maintenance Fee, the Fee Schedule for the Portable Account contains the same categories and types of fees as you were previously charged for the Payroll Account and associated products or services, except that some fees may be different than what you were previously paying. (g) Terms and Conditions: Except as otherwise provided in this Section 29, all terms and conditions in this Agreement shall continue to apply to the Portable Account, which shall be included within the definition of Account and as part of the Services. (h) Closing of Portable Account: If you have no activity on your Portable Account and an Account balance of zero for a period of 0 days or more, we may suspend or terminate your Portable Account and this Agreement. You may call Customer Service if you wish to reactivate your Portable Account following a suspension. Federal Payments: THE ONLY FEDERAL PAYMENTS THAT MAY BE DEPOSITED TO THIS CARD ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. Federal Payments may be allowed. If you have questions about this requirements, please call the phone number at the bottom of this agreement. 0. Secondary Card for Terminated Employees. If you have been approved for an upgrade to a Portable Account (which shall occur no earlier than months after your employment has ended), you may elect to provide a Secondary Card to a Secondary Cardholder (subject to satisfying all our requirements therefor) which will be usable only for ATM and point of sale debit (signature- and PIN-based) transactions. Pursuant to the USA PATRIOT Act, you, or the Secondary Cardholder, will be required to provide us with certain identifying information about the Secondary Cardholder, such that we may validate the identity of the Secondary Cardholder, using third party databases or otherwise. We will issue directly to the Secondary Cardholder a general purpose reloadable stored value account in the Secondary Cardholder s name. Using the IVRU or Web Site, you will be able to transfer funds from your Account to the Secondary Cardholder s account (the Secondary Stored Value Account ). However, your Card will not be able to receive a funds transfer from the Secondary Stored Value Account. The amount you may transfer to the Secondary Stored Value Account is listed in the Transaction Limit Schedule. Once you initiate a funds transfer to a Secondary Stored Value Account, you may only cancel the funds transfer by calling Customer Service. You acknowledge that once funds settle to the Secondary Stored Value Account, you waive all interest in such funds. You further acknowledge that you will not own or have any interest in the Secondary Stored Value Account or access to the account activity of the Secondary Stored Value Account. The Secondary Cardholder will own the Secondary Stored Value Account and be subject to separate terms and conditions, load limits and fee schedule, including a monthly fee, all of which will be provided to the Secondary Cardholder at the time of delivery of the Secondary Card. The applicable fees for the Secondary Card are included in the Fee Schedule under the heading Secondary Card Fees. This Card is issued by MetaBank, Member FDIC. 550 S. Broadband Lane, Sioux Falls, SD 570 CUSTOMER SERVICE 7000 Goodlett Farms Parkway, Suite 200 Cordova, TN 06 Phone: MetaBank. All Rights Reserved. The MONEY NETWORK trademark and logo are owned and registered or used by Money Network Financial, LLC, an affiliate of First Data Corporation. M-0929 Cardholder Agreement IMPORTANT PLEASE READ CAREFULLY. Terms and Conditions. This document, together with all other documents we provide to you pertaining to the Money Network Services and all associated products (collectively, the Services or Program ), including without limitation the Payroll Account and if applicable, the reloadable Portable Account (collectively, the Account ) which is held by Bank (as defined below) and the accompanying Money Network prepaid card ( Card ), Money Network Checks ( Money Network Checks ), the Fee Schedule and Transaction Limit Schedule (all as defined below), where applicable, constitutes a contract ( Agreement ) which sets forth the agreed terms of the Services and their uses, and the responsibilities and liabilities of Bank, you and certain other parties. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. You and your means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. We, us, and our mean MetaBank, our successors, affiliates or assignees. The Card will remain the property of MetaBank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference. All references to contacting Customer Service are to the Customer Service address and toll-free telephone number shown on the materials that accompanied the Card and set forth at the end of this Agreement. 2. Fees and Limitations. You authorize us to deduct the fees, as set forth in the Fee Schedule, directly from your Account as accrued. We reserve the right to, from time to time, revise the Fee Schedule, including, if applicable, to reflect any changes in law that may necessitate changes in the Fee Schedule. We will notify you accordingly of any Fee Schedule changes. You acknowledge that by maintaining an Account and/or continuing to use the Card and/or the Services, you agree to any such revisions to the Fee Schedule. You will pay any additional reasonable charges for services you request which are not covered by the Fee Schedule

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