1 Services initiated with an external account from an outside third party may incur fees from that third party to your external account. No cost for online or mobile Account-to-Account transfers between Netspend Accounts; a fee may apply to Account-to-Account transfers conducted through a Netspend Customer Service agent or other transfer types. See your Cardholder Agreement or Deposit Account Agreement for details.

2 Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.

3 Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Rewards offers are based on individual shopping habits. Rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Rewards earned through Netspend Payback Rewards are separate from rewards earned through any other rewards program. See the program FAQs and terms and conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Ouro Global, Inc. Republic Bank & Trust Company and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.

4 IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver's license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

5 Faster access claim is based on comparison of a disbursements via direct deposit vs. disbursements via a mailed paper check. For up-to-date information from the IRS, visit www.irs.gov/refunds.

6 PayPal Transfers require a PayPal Balance account and a personalized card, which arrives within 10 business days after activation of your instant-issue card. If you do not already have a PayPal Balance account you will link to this Card, visit www.paypal.com to get one, or you may get one when you activate this card online. PayPal Balance account required for certain features, but not to have the PayPal Prepaid Card. Transfers may not exceed $300 per day/$2,000 per rolling 30 days and are limited to the funds available in your PayPal Balance account. Transfers may only be made in the name of a valid PayPal Prepaid Mastercard Cardholder. Only one (1) PayPal Prepaid Mastercard may be linked to one (1) PayPal Balance account. PayPal Transfers cannot be reversed or canceled. Republic Bank & Trust Company and Mastercard are not affiliated with, and neither endorses nor sponsors the PayPal.com online account to which various funding sources, including a PayPal Prepaid Card, may be linked.

7 The Netspend Network is provided by Ouro Global Inc. and its authorized agents. Ouro Global Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global Inc.'s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global Inc. and other third parties in connection with use of the Netspend Network.

8 No minimum balance necessary to open Savings Account. Savings Account funds are withdrawn through the Card Account. Card Account transaction fees could reduce the interest earned on the Savings Account. To participate in the Savings Account program, you must consent to and continue receiving communications from us in electronic form. If you are subject to Internal Revenue Service backup withholding at the time of your request to open the Savings Account, your request will be declined. The Savings Account is made available to Cardholders through Republic Bank & Trust Company, Member FDIC.

The PayPal Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Ouro Global, Inc. is a registered agent of Republic Bank & Trust Company. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

PayPal and the PayPal logo are registered trademarks of PayPal, Inc. Designated trademarks and brands are the property of their respective owners.

This retailer engages in money transmission services as an authorized delegate of Ouro Global Inc. (NMLS #932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.

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