Common use of Arbitration Clause Clause in Contracts

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insured.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSEYou may reject this Arbitration provision by completing and submitting this form within 45 days after your first card purchase. If you are unable to access the form you may send us signed written notice of your decision to reject Arbitration. Your written notice must: (i) be mailed within 45 days after your first card purchase, DO NOT ACTIVATE OR USE THE CARD(ii) include your name, SAVE YOUR RECEIPT AND CALL US AT 1(800address, and account number, and (iii) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUNDcannot be signed by anyone but you. Purewrist contactless payment If you reject Arbitration neither this Arbitration provision nor any arbitration provision for other active Card accounts are you may have will apply, except for any arbitration claims that were pending when you submitted your rejection notice. Your decision to reject this Arbitration provision will not affect any of your other rights or responsibilities under this Agreement. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This Card is issued by Xxxxxx Bank Bank, Member FDIC, pursuant to a license by Mastercard International Inc. from Mastercard. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 $0 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A $0 VanillaDirect Load™ $3.50 This is our fee and will be debited at the time of the transaction by Providers Card. You should not be charged any other fee by the Retailer. Get /Send Cash Domestic ATM Withdrawal N/A (in- network) $0 There is no fee for withdrawals at Moneypass ATMs, our in-network ATM provider. Domestic ATM (in-network) Decline Fee $0 There is no fee for ATM declines at Moneypass ATMs. Domestic ATM Withdrawal (out- network) $3.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Domestic ATM (out-network) Decline Fee $0 We charge no fee for domestic ATM declines. You may be charged a fee by the ATM operator. Over the Counter Cash Withdraw N/A Withdrawal $0 Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A $0 This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A 0% Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A 0% This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A 0% This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction Transaction decline N/A 0% This is our fee. You may also be charged a fee by the ATM operator. Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. 0 Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 5 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A $20 Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A $0 This is our fee to issue a paper check. Treat this Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Xxxxxx Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Xxxxxx Bank fails, if specific deposit insurance requirements are met and your card like cashis registered. Not FDIC insuredSee xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Purewrist the Providers Card team by phone at 0(000) 000-0000, 000-0000 or by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx xxxx@xxxxxxxxxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insured.

Arbitration Clause. You PLEASE REVIEW — IMPORTANT — AFFECTS YOUR LEGAL RIGHTS For purposes of this Section 9 only, “I,” “me,” or we “my” refer to the Contract Holder as indicated on the Declaration Page and “you” and “your” refer to Selling Retailer, Contract Administrator, or the Provider/Obligor. NOTICE: Either you or I may elect choose to resolve have any claim by an individual arbitrator. Claims are dispute between us decided by arbitration and not in a neutral arbitratorcourt or by jury trial. If arbitration a dispute is chosen by any partyarbitrated, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we I will not have the give up my right to participate as a class representative or class member on any class claim I may have against you including any right to class arbitration or any consolidation of individual arbitrations. Any claim or dispute is to be arbitrated by a single arbitrator on an individual basis and not as a class action or other mass action. I expressly waive any right I may have to arbitrate a class action. Discovery and rights to appeal in arbitration are generally more limited than in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claimlawsuit, dispute, or controversy (“Claim”) between and other rights you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we I would have in court may also not be available in arbitration. NO CLASS ACTIONSAMPLE Any claim or dispute, OR OTHER REPRESENTATIVE ACTIONwhether in contract, OR PRIVATE ATTORNEY GENERAL ACTIONtort, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: statute or otherwise (i) including the termination interpretation and scope of this Agreement; clause, and the arbitrability of the claim or dispute), between me and you or your employees, agents, successors or assigns, which arise out of or relate to this Contract or any resulting transaction or relationship (iiincluding any such relationship with third parties who do not sign this Contract) shall, at your or my election, be resolved by neutral, binding arbitration and not by a court action. I may choose the bankruptcy of any party; following arbitration organization and its applicable rules: the National Arbitration Forum, Box 50191, Minneapolis, MN 55405- 0191 (iii) any transfer, sale or assignment of your Cardxxx.xxxxxxxx.xxx), or any amounts owed organization that I may choose subject to your approval. I may get a copy of the rules of these organizations by contacting the arbitration organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law in making an award. The arbitrator’s award shall be final and binding on your Cardall parties. The arbitration hearing shall be conducted in the federal district in which I reside unless the Selling Retailer is a party to the claim or dispute, in which case the hearing will be held in the federal district where this Contract was purchased. You will advance my filing, administration, service or case management fee and my arbitrator or hearing fee all up to any a maximum of $1500, which may be reimbursed by decision of the arbitrator at the arbitrator’s discretion. Each party shall be responsible for its own attorney, expert and other person or entityfees, unless awarded by the arbitrator under applicable law. If any portion the chosen arbitration organization’s rules conflict with this clause, then the provisions of this clause shall control. Any arbitration under this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, Act (9 U.S.C. §§ 1-161 et. Solely for purposes seq.) and not by any state law concerning arbitration; however, the governing law as to the substantive issues of the Contract and Vehicle shall be the law of the state in which this Contract was purchased. Any court having jurisdiction may enter judgment on the arbitrator’s award. This clause shall survive any termination or transfer of this Contract. If any part of this Arbitration Clause, “We” other than waivers of class action rights, is deemed or “Us” found to be unenforceable for any reason, the remainder shall mean remain enforceable. Notwithstanding any other provision for notice contained in the IssuerContract, and its respective successors, affiliates any arbitration claim or assignees as well as any third party using or providing any product, service or benefit in connection with other notice provided under the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as rules of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation arbitration administrator will be given to you at the following address: If my claim is against the Selling Retailer, I agree that notice of my claim will be given to the Selling Retailer at the address specified on the Declaration Page of the cardContract. This fee If my claim is against the Obligor (designated in Section 1 of this Contract), I agree that notice of my claim will be removed on the date given SAMPLE to Obligor at 000 Xxxxxxxx Xxxxx Xxxx, Xxxxxxxxx Xxxx, XX 00000. If my claim is against Contract Administrator, I agree that notice of activation. Monthly Usage Monthly Fee $0 This fee my claim will be deducted from your Card Account each monthgiven at United Service Protection Corporation, beginning on the date of activation and each month thereafter on the anniversary date of activationat 000 Xxxxxxxx Xxxxxxx, Xxxxx 000, Xx. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operatorXxxxxxxxxx, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the BalanceXX 00000. If there my claim is no remaining balance following against Selling Retailer, Obligor and Contract Administrator collectively, I agree to notify each of my claim under separate cover at the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insuredaddresses indicated herein.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSEYou may reject this Arbitration provision by sending a written rejection notice to us at: 000 Xxxxxx Xxxx, DO NOT ACTIVATE OR USE THE CARDXxxxx 000, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 Xxxxxxxxx, XX XXXXXX YOUR CARD AND TO REQUEST A REFUND00000. Purewrist contactless payment Your rejection notice must be mailed within 45 days after your first card purchase. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open OG Pay accounts are you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. Card is issued by Xxxxxx Bank pursuant to a license by from Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insuredIncorporated.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX TO CANCEL YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 N/A Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This 4.95 A monthly maintenance fee will be charged if your monthly spend is less than $250.This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A $0 This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A 3% Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee N/A Balance Liquidation N/A Per transaction. Close Account Fee $2.99 Unless prohibited by law2.00 In the event your Card Account is canceled, closed, or terminated for any reason, so long as you used your Card Account in accordance with the terms of this Agreement, you will be charged a monthly inactivity feeClose Account Fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following before you get any unused balance returned to you via a check to the debit of any monthly inactivity fee, mailing address we will waive the remainder of have in our fee. Balance Liquidation $0 Per transactionrecords. Replacement Card (Standard Delivery) $0 5 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A $4.95* Per purchase $0 ATM withdrawal N/A Cash reload N/A * Variable fee, please see Cardholder Agreement for more details. ATM balance inquiry $$ 0 Customer Service (automated IVR or Live Agent) $$ 0 Inactivity $2.99 per month N/A We charge - 3 other types of fees. They are: Activation International Transaction Fee $4.99 Treat this 3 % of USD amount per transaction Card replacement Fee $ 5 Close Account Fee $ 2 . No Credit or Overdraft Feature. Register your card like cash. Not for FDIC insuredinsurance and other protections.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 000-000-0000 XX XXXXXX TO CANCEL YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are The Card is issued by Xxxxxx Bank Bank, Member FDIC, pursuant to a license by from Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insured.Inc.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the IssuerBank , and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSECard including, DO NOT ACTIVATE OR USE THE CARDbut not limited to, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation SpotOn Transact LLC and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our feeits successor and assigns. You may also reject this Arbitration provision by sending a written rejection notice to SpotOn Transact LLC at: xxxxxxxxxxx@xxxxxx.xxx. Your rejection notice must be charged a fee by sent within 45 days after your first card purchase. Your rejection notice must state that you reject the ATM operatorArbitration provision and include your name, even if you do not complete a transactionaddress, and Account number, and your personal signature. Over No one else may sign the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balancerejection notice. If there is no remaining balance following your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the debit of cardmember agreements for any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If other currently open accounts you have a complaint about a prepaid accountwill not apply to you, call except for any claims subject to pending litigation or arbitration at the Consumer Financial Protection Bureau at 1-855- 411-2372 time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR responsibilities under this section or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insuredthe Agreement.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSEYou may reject this Arbitration provision by sending a written rejection notice to us at: 000 Xxxxxx Xxxx, DO NOT ACTIVATE OR USE THE CARDXxxxx 000, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 Xxxxxxxxx, XX XXXXXX YOUR CARD AND TO REQUEST A REFUND00000. Purewrist contactless payment Your rejection notice must be mailed within 45 days after your first card purchase. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open MyTime accounts are you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. Card is issued by Xxxxxx Bank pursuant to a license by from Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insuredIncorporated.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 000-000-0000 XX XXXXXX TO CANCEL YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are The Card is issued by Xxxxxx Bank Bank, Member FDIC, pursuant to a license by from Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. Monthly fee Per purchase ATM withdrawal Cash reload Basic*: $0.00 $0 NA NA Essential**: $5.95*** $0 NA NA ATM balance inquiry NA Customer Service (automated IVR or Live Agent) $0 Inactivity $0 We charge one other type of fee. Replacement physical card $4.95 per replacement card.**** *Jassby Debit Card Accounts opened before August 15, 2022 are part of the Basic Plan. **Jassby Debit Card Accounts opened on or after August 15, 2022 are part of the Essential Plan. ***Monthly fee is assessed per family, per month. The monthly fee is waived for the first month of service. ****Taxes may apply. No Credit or Overdraft Feature. Your funds are eligible for FDIC insurance. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. Find details and conditions for all fees and services, call 000-000-0000 or visit xxx.xxxxxx.xxx. The following is a complete list of fees that apply to your Account. All fees are deducted from your Account unless otherwise specified. Jassby or Xxxxxx Bank may amend, change or delete these fees in the future as set forth in the Amendment section of this Agreement. List of All Fees for Jassby Debit Card Fee Description Amount Details Get Started Card Issuance/Activation $ 4.99 $0 Fee charged for activation of the card. This fee will be removed on the date of activationPhysical Card Fee $0 Fee charged for each Physical Card ordered. Monthly Usage Monthly Fee Fee- Basic Plan $0 This fee will be deducted Recurring fee, per family, charged monthly from your Card Account each month, beginning on the date of activation and each month thereafter on first sign-up. Debit Card Accounts opened before August 15, 2022 are part of the anniversary Basic Plan. Monthly Fee- Essential Plan $5.95 Recurring fee, per family, charged monthly from date of activationfirst sign-up. Debit Card Accounts opened on or after August 15, 2022 are part of the Essential Plan. The Monthly Fee is waived for the first month of service. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our feeVia debit card transaction $0 Fee for moving funds to Debit Card account from external debit card. You may also be charged a fee by the ATM operator, even if you do not complete a Via ACH transaction $0 Fee for moving funds to Debit Card account from external bank account via ACH transaction. Over the Counter Get/Send Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee load via App $0 Fee for each transactiontransferring funds to a family member’s Card. ATM Decline Fee N/Access N A This is our fee. You may also be charged a fee by the No ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agentaccess. Information ATM Balance Inquiry N A No ATM access. Automated (IVR) Balance Inquiry Phone InquiryPhone Calls $0 Fee for each balance inquiry with the Automated theAutomated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVRAutomated(IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A 0.0% Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currencycountry. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the NA No ATM operator, even if you do not complete a transactionaccess. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the NA No ATM operatoraccess. International ATM transaction decline N/A Transaction Decline NA No ATM access. Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period 0 Fee for non-use of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our feeaccount. Balance Liquidation $0 Per transaction. Replacement Physical Card (Standard Delivery) Fee $0 4.95 Per each replacement card Physical Card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited deliveryTaxes may apply. Balance Refund Paper Check Fee N/A $0 This is our fee to issue a paper check. Treat this card like cashYour funds are eligible for FDIC insurance. Not Your funds will be held at or transferred to Xxxxxx Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC insuredin the event Xxxxxx Bank fails, if specific deposit insurance requirements are met. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Purewrist Jassby, Inc. by phone at 0(000) 000-000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx000 Xxxxx Xxxx, Xxxxx 000, Xxxxx, XX 00000, or visit xxx.xxxxxxxxx.xxx xxx.Xxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insured.Bureau

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX TO CANCEL YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 N/A Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This 4.95 A monthly maintenance fee will be charged if your monthly spend is less than $250.This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A $0 This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A 3% Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee N/A Balance Liquidation N/A Per transaction. Close Account Fee $2.99 Unless prohibited by law2.00 In the event your Card Account is canceled, closed, or terminated for any reason, so long as you used your Card Account in accordance with the terms of this Agreement, you will be charged a monthly inactivity feeClose Account Fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following before you get any unused balance returned to you via a check to the debit of any monthly inactivity fee, mailing address we will waive the remainder of have in our fee. Balance Liquidation $0 Per transactionrecords. Replacement Card (Standard Delivery) $0 5 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this Register your card like cash. Not for FDIC insuredinsurance and other protections. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A $4.95* Per purchase $0 ATM withdrawal N/A Cash reload N/A * Variable fee, please see Cardholder Agreement for more details. ATM balance inquiry $$ 0 Customer Service (automated IVR or Live Agent) $$ 0 Inactivity $2.99 per month N/A We charge - 3 other types of fees. They are: Activation International Transaction Fee $4.99 Treat this 3 % of USD amount per transaction Card replacement Fee $ 5 Close Account Fee $ 2 . No Credit or Overdraft Feature. Register your card like cash. Not for FDIC insuredinsurance and other protections.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee reject this Arbitration provision by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email completing and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and submitting this form within 45 days after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement your first card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxxpurchase. If you are unable to access the form you may send us signed written notice of your decision to reject Arbitration. Your written notice must: (i) be mailed within 45 days after your first card purchase, (ii) include your name, address, and account number, and (iii) cannot be signed by anyone but you. If you reject Arbitration neither this Arbitration provision nor any arbitration provision for other active Card accounts you may have a complaint about a prepaid accountwill apply, call the Consumer Financial Protection Bureau at 1-855- 411-2372 except for any arbitration claims that were pending when you submitted your rejection notice. Your decision to reject this Arbitration provision will not affect any of your other rights or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat responsibilities under this card like cash. Not FDIC insuredAgreement.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 000-000-0000 XX XXXXXX TO CANCEL YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are The Card is issued by Xxxxxx Bank Bank, Member FDIC, pursuant to a license by from Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. Monthly fee Per purchase ATM withdrawalBasic*: $0.00 $0 NA Essential**: $3.95 or $5.95*** $0 NA Cash reload NA NA ATM balance inquiry NA Customer Service (automated IVR or Live Agent) $0 Inactivity $0 We charge one other type of fee. Replacement physical card $4.95 per replacement card.**** *Jassby Debit Card Accounts opened before September 1, 2022 are part of the Basic Plan. **Jassby Debit Card Accounts opened on or after September 1, 2022 are part of the Essential Plan. ***Monthly fee is assessed per family, per month. Monthly fee is $3.95 if account was opened between September 1, 2022 and March 31, 2023. Monthly fee is $5.95 if account was opened on or after April 1, 2023. The monthly fee is waived for the first month of service. Taxes may apply. ****Taxes may apply. No Credit or Overdraft Feature. Your funds are eligible for FDIC insurance. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. Find details and conditions for all fees and services, call 000-000-0000 or visit xxx.xxxxxx.xxx. The following is a complete list of fees that apply to your Account. All fees are deducted from your Account unless otherwise specified. Jassby or Xxxxxx Bank may amend, change or delete these fees in the future as set forth in the Amendment section of this Agreement. List of All Fees for Jassby Debit Card Fee Description Amount Details Get Started Card Issuance/Activation $ 4.99 $0 Fee charged for activation of the card. This fee will be removed on the date of activationPhysical Card Fee $0 Fee charged for each Physical Card ordered. Monthly Usage Monthly Fee Fee- Basic Plan $0 This fee will be deducted Recurring fee, per family, charged monthly from your Card Account each month, beginning on the date of activation and each month thereafter on first sign-up. Debit Card Accounts opened before September 1, 2022 are part of the anniversary Basic Plan. Monthly Fee- Essential Plan $3.95 or $5.95 Recurring fee, per family, charged monthly from date of activationfirst sign-up. Debit Card Accounts opened on or after September 1, 2022 are part of the Essential Plan. Debit Card Accounts opened between September 1, 2022 and March 31, 2023 are charged $3.95 per month. Debit Card Accounts opened on or after April 1, 2023 are charged $5.95 per month. The Monthly Fee is waived for the first month of service. Taxes may apply. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our feeVia debit card transaction $0 Fee for moving funds to Debit Card account from external debit card. You may also be charged a fee by the ATM operator, even if you do not complete a Via ACH transaction $0 Fee for moving funds to Debit Card account from external bank account via ACH transaction. Over the Counter Get/Send Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee load via App $0 Fee for each transactiontransferring funds to a family member’s Card. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the Access NA No ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agentaccess. Information ATM Balance Inquiry NA No ATM access. Automated (IVR) Balance Inquiry Phone InquiryPhone Calls $0 Fee for each balance inquiry with the Automated theAutomated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVRAutomated(IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A 0.0% Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currencycountry. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the NA No ATM operator, even if you do not complete a transactionaccess. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the NA No ATM operatoraccess. International ATM transaction decline N/A Transaction Decline NA No ATM access. Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period 0 Fee for non-use of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our feeaccount. Balance Liquidation $0 Per transaction. Replacement Physical Card (Standard Delivery) Fee $0 4.95 Per each replacement card Physical Card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited deliveryTaxes may apply. Balance Refund Paper Check Fee N/A $0 This is our fee to issue a paper check. Treat this card like cashYour funds are eligible for FDIC insurance. Not Your funds will be held at or transferred to Xxxxxx Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC insuredin the event Xxxxxx Bank fails, if specific deposit insurance requirements are met. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Purewrist Jassby, Inc. by phone at 0(000) 000-000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx000 Xxxxx Xxxx, Xxxxx 000, Xxxxx, XX 00000, or visit xxx.xxxxxxxxx.xxx xxx.Xxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insured.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“Claim”) between you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. You may reject this Arbitration provision by sending a written rejection notice to us at: 000 X Xxxxx Xxx #0000 Xxxxxx, XX 00000 or xxxxx@xxxxxx.xxx. Your rejection notice must be mailed within 45 days after your first card purchase. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account Number and personal signature. No one else may sign the rejection notice. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open Xxxxxx Xxxx accounts you have will not apply to you, except for any claims subject to pending litigation or arbitration at the time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this section or the Agreement. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are This Card is issued by Xxxxxx Bank Bank, Member FDIC, pursuant to a license by from Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insuredInternational.

Arbitration Clause. You PLEASE REVIEW — IMPORTANT — AFFECTS YOUR LEGAL RIGHTS For purposes of this Section 9 only, “I,” “me,” or we “my” refer to the Contract Holder as indicated on the Declaration Page and “you” and “your” refer to Selling Retailer, Contract Administrator, or the Provider/Obligor. NOTICE: Either you or I may elect choose to resolve have any claim by an individual arbitrator. Claims are dispute between us decided by arbitration and not in a neutral arbitratorcourt or by jury trial. If arbitration a dispute is chosen by any partyarbitrated, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we I will not have the give up my right to participate as a class representative or class member on any class claim I may have against you including any right to class arbitration or any consolidation of individual arbitrations. Any claim or dispute is to be arbitrated by a single arbitrator on an individual basis and not as a class action or other mass action. I expressly waive any right I may have to arbitrate a class action. Discovery and rights to appeal in arbitration are generally more limited than in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claimlawsuit, dispute, or controversy (“Claim”) between and other rights you and us arising out of or relating in any way to this Agreement, your Card, your purchase of the Card, your usage of the Card, or transactions on the Card, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we I would have in court may also not be available in arbitration. NO CLASS ACTIONSAMPLE Any claim or dispute, OR OTHER REPRESENTATIVE ACTIONwhether in contract, OR PRIVATE ATTORNEY GENERAL ACTIONtort, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: statute or otherwise (i) including the termination interpretation and scope of this Agreement; clause, and the arbitrability of the claim or dispute), between me and you or your employees, agents, successors or assigns, which arise out of or relate to this Contract or any resulting transaction or relationship (iiincluding any such relationship with third parties who do not sign this Contract) shall, at your or my election, be resolved by neutral, binding arbitration and not by a court action. I may choose the bankruptcy of any party; following arbitration organization and its applicable rules: the National Arbitration Forum, Box 50191, Minneapolis, MN 55405- 0191 (iii) any transfer, sale or assignment of your Cardxxx.xxxxxxxx.xxx), or any amounts owed organization that I may choose subject to your approval. I may get a copy of the rules of these organizations by contacting the arbitration organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law in making an award. The arbitrator’s award shall be final and binding on your Cardall parties. The arbitration hearing shall be conducted in the federal district in which I reside unless the Selling Retailer is a party to the claim or dispute, in which case the hearing will be held in the federal district where this Contract was purchased. You will advance my filing, administration, service or case management fee and my arbitrator or hearing fee all up to any a maximum of $1500, which may be reimbursed by decision of the arbitrator at the arbitrator’s discretion. Each party shall be responsible for its own attorney, expert and other person or entityfees, unless awarded by the arbitrator under applicable law. If any portion the chosen arbitration organization’s rules conflict with this clause, then the provisions of this clause shall control. Any arbitration under this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, Act (9 U.S.C. §§ 1-161 et. Solely for purposes seq.) and not by any state law concerning arbitration; however, the governing law as to the substantive issues of the Contract and Vehicle shall be the law of the state in which this Contract was purchased. Any court having jurisdiction may enter judgment on the arbitrator’s award. This clause shall survive any termination or transfer of this Contract. If any part of this Arbitration Clause, “We” other than waivers of class action rights, is deemed or “Us” found to be unenforceable for any reason, the remainder shall mean remain enforceable. Notwithstanding any other provision for notice contained in the IssuerContract, and its respective successors, affiliates any arbitration claim or assignees as well as any third party using or providing any product, service or benefit in connection with other notice provided under the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as rules of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation arbitration administrator will be given to you at the following address: SAMPLE If my claim is against the Selling Retailer, I agree that notice of my claim will be given to the Selling Retailer at the address specified on the Declaration Page of the cardContract. This fee If my claim is against the Obligor (designated in Section 1 of this Contract), I agree that notice of my claim will be removed on the date given to Obligor at 000 Xxxxxxxx Xxxxx Xxxx, Xxxxxxxxx Xxxx, XX 00000. If my claim is against Contract Administrator, I agree that notice of activation. Monthly Usage Monthly Fee $0 This fee my claim will be deducted from your Card Account each monthgiven at United Service Protection Corporation, beginning on the date of activation and each month thereafter on the anniversary date of activationat 000 Xxxxxxxx Xxxxxxx, Xxxxx 000, Xx. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operatorXxxxxxxxxx, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the BalanceXX 00000. If there my claim is no remaining balance following against Selling Retailer, Obligor and Contract Administrator collectively, I agree to notify each of my claim under separate cover at the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insuredaddresses indicated herein.

Arbitration Clause. You or we may elect to resolve any claim by an individual arbitrator. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, you and we hereby waive the right to litigate the claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Any claim, dispute, or controversy (“"Claim”") between you and us arising out of or relating in any way to this Agreement, your Account, your Card, your purchase of purchases using the Card, your usage other use of the Card, or other Account transactions on the Cardor use thereof, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding individual arbitration conducted by the American Arbitration Association (“"AAA”") under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties. We will pay all fees associated with administration of arbitration, including fees to commence the arbitration. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator’s decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator’s decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. This Arbitration Clause shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity. If any portion of this Arbitration Clause is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. Any different agreement regarding arbitration must be agreed to in writing. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. Solely for purposes of this Arbitration Clause, “We” or “Us” shall mean the Issuer, and its respective successors, affiliates or assignees as well as any third party using or providing any product, service or benefit in connection with the Card. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT ACTIVATE OR USE THE CARD, SAVE YOUR RECEIPT AND CALL US AT 1(800) 000- 0000 XX XXXXXX YOUR CARD AND TO REQUEST A REFUND. Purewrist contactless payment accounts are issued by Xxxxxx Bank pursuant to a license by Mastercard International Inc. This Cardholder Agreement is effective as of the Revision Date set forth above. All Fees Get Started Card Issuance/Activation $ 4.99 Fee charged for activation of the card. This fee will be removed on the date of activation. Monthly Usage Monthly Fee $0 This fee will be deducted from your Card Account each month, beginning on the date of activation and each month thereafter on the anniversary date of activation. Add Money Direct Deposit N/A Vanilla Direct Reload N/A Get /Send Cash Domestic ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Over the Counter Cash Withdraw N/A Assessed each time the Card is used at an Over the Counter/In-Person Bank Teller. The Bank/Financial Institution may charge an additional fee for each transaction. ATM Decline Fee N/A This is our fee. You may also be charged a fee by the ATM operator. Card to Card Transfer via App N/A Card to Card Transfer Live Agent N/A Fee for each Card to Card Transfer processed with a live agent. Information Automated (IVR) Balance Inquiry Phone Calls $0 Fee for each balance inquiry with the Automated (IVR) system. Other Automated (IVR) Calls $0 Fee for each contact with the Automated (IVR) system. Balance Inquiry Live Agent $0 Fee for each balance inquiry with a live agent. Other Live Agent Phone Calls $0 Fee for contact with a live customer service agent. Email and Text Message Alerts $0 Standard text messaging rates may apply. Paper Statement Fee $0 The fee will be charged for each month that a request for an extra statement is made. You may request 1 paper statement each month at no cost. ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. Using Your Card Outside the U.S. Foreign Currency Fee N/A Of the U.S. dollar amount of each transaction done in a foreign country and/or foreign currency. International ATM Withdrawal N/A This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry N/A This is our fee. You may also be charged a fee by the ATM operator. International ATM transaction decline N/A Other Inactivity Fee $2.99 Unless prohibited by law, you will be charged a monthly inactivity fee, following a period of twelve (12) months in which the Starter Card, has not been used to make purchases. The monthly inactivity fee will be charged during the Card lifetime and after expiry of the Card. The monthly inactivity fee is deducted from the Balance. If there is no remaining balance following the debit of any monthly inactivity fee, we will waive the remainder of our fee. Balance Liquidation $0 Per transaction. Replacement Card (Standard Delivery) $0 Per replacement card ordered. Replacement Card (Expedited Delivery) N/A Per replacement card ordered with expedited delivery. Balance Refund Paper Check Fee N/A This is our fee to issue a paper check. Treat this card like cash. Not FDIC insured. No overdraft/credit feature. Contact Purewrist by phone at 0(000) 000-0000, by mail at xxxxxxx@xxxxxxxxx.xxx, or visit xxx.xxxxxxxxx.xxx For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855- 411-2372 or visit xxxx.xxx/xxxxxxxxx. Monthly fee N/A Per purchase $0 ATM withdrawal N/A Cash reload N/A ATM balance inquiry $0 Customer Service (automated IVR or Live Agent) $0 Inactivity $2.99 per month We charge - other types of fees. They are: Activation Fee $4.99 Treat this card like cash. Not FDIC insured.and