Common use of Card Account Access Clause in Contracts

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Schedule A, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account wherever the Mastercard® brandmarks are displayed (as described in the Section below entitled “Using Your Card to Get Cash”), as long as you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Schedule A attached to this Agreement. Some of these services may not be available at all terminals. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For information about the basic limits that apply, see the accompanying Schedule A. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Schedule A. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Schedule A for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options

Card Account Access. Subject to the limitations set forth in this Agreement Agreement, once your Card has been successfully activated and the accompanying Schedule Ayour identity verified, you may use your Card, Card Number, or Account Number, as applicable, to facilitate payment instructions that you give us that can include: (1) add funds to your Card Account (as described in the Section see section below entitled labeled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Visa debit cards are accepted (see section below labeled “Using Your Card is acceptedfor Purchases”), (43) withdraw cash from your Card Account wherever the Mastercard® brandmarks are displayed (as described in the Section see section below entitled labeled “Using Your Card to Get Cash”), (4) the payment of bills directly from your Card Account in the amounts and on the days you request (see section below labeled “Using Your Card Account to Pay Bills”) and (5) transfer funds between Card Accounts or from your Card Account to your bank account, as long as you do not exceed the value available in your Card Account. Some of these services may not be available at all terminals. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule A attached above. Each time you use the Card, you authorize us to this Agreement. Some of these services may not be reduce the funds available at all terminals. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on in your Card Account by the number or dollar amount of transactions you can make the purchase or withdrawal in addition to any applicable fees, costs or holdings. There is no credit line associated with your Card. For information about This means that at the basic limits that applytime of the transaction you must have sufficient funds available in your Card Account to pay for the transaction and any applicable fees and you are never allowed to exceed the available balance in your Card Account. Nevertheless, see if you exceed the accompanying Schedule A. For security reasons, we may further limit available balance you shall remain fully liable to us for the number or dollar amount of the transactions and any applicable fees and charges, and you can make with your Cardagree to pay us immediately on demand. We may also prohibit using deduct the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online negative balance owing from any current or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Adding Funds (“Loading”) to Your Card Account. Adding future funds is referred to as “loading”. You may load funds loaded to your Card Account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may, at our option, cancel your Card Account without notice. You can get a receipt at the time after you initiate a transaction and you should retain the receipt to verify your identity has been verified, subject to the limitations in this Agreement and the accompanying Schedule A. Merchants and banks transactions. Some merchants may have additional limitations. We may assess a fee not provide paper receipts for one or more of the load options described below. See the accompanying Schedule A for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Optionssmall dollar transactions.

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Schedule AAgreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account (see section labeled “Cash Access”); (2) load funds to your Card Account (see the section labeled “Loading Your Card Account”); (3) transfer funds between your Card Accounts whenever you request; (4) transfer funds from your Card Account to another Netspend Cardholder Account (both (3) and (4) may be referred to as an “Account-to-Account Transfer”); (5) purchase or lease goods or services wherever the Mastercard® brandmarks Visa debit cards are displayed accepted; and (as described 6) pay bills directly from your Card Account in the Section below entitled “Using Your Card to Get Cash”), as long as amounts and on the days you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Schedule A attached to this Agreementrequest. Some of these services may not be available at all terminals. Limitations on FrequencyYou may also use your Virtual Account to purchase or lease goods or services or make payments by telephone or online, Dollar Amounts without presenting your Card (see the section labeled “Virtual Account”). There may be fees associated with some of Transactions and Types of Merchantsthese transactions. We impose certain limitations on See the number or dollar amount of transactions you can make with your Card. For Fee Schedule for more information about the basic fees. Transfer Type Maximum Amount Frequency and Number ATM Cash Withdrawals $325.00 Per transaction; subject to lower limits imposed by ATM owner-operator $940.00 Maximum withdrawal amount per day Over-the- Counter Cash Withdrawals $5,000.00 Per transaction PIN-based or Signature- based Purchase Transactions $5,000.00 Per transaction Value Loads – POS Locations $7,500.00 Per rolling twenty four (24) hour period $15,000.00 Per rolling thirty (30) day period ACH Deposits – Tax Refunds $50,000.00 Per transaction Maximum Card Account Value $15,000.00 We will review ACH Deposits that applymay result in the value of your Card Account exceeding the stated maximum value. If we determine the ACH Deposit is valid, see we may permit the accompanying Schedule A. value of your Card Account to exceed the stated maximum value. Account- to-Account Transfer Varies For security reasons, we may further limit there are limits on the number or and dollar amount of transactions transfers you can make with your Cardto other Netspend accounts. We may also prohibit using Any transfers made through the Card for transactions with certain types use of merchantsthird-party service providers (including, including but not limited to merchants engaged reload networks and xxxx payment) will be subject to the frequency and dollar value limits established by the provider. To see the service provider’s terms of service agreement, please visit your online Account Center. Each time you use your Card or Virtual Account, you authorize us to reduce the value available in illegal activitiesyour Card Account by the amount of the transaction and any applicable fees. You may not exceed the available amount in your Card Account through an individual transaction or a series of transactions – unless we decide, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to youdiscretion, to approve such transaction(s) because you have qualified for Purchase Cushion coverage. If you do not qualify for the extent permitted by applicable law. Adding Funds Purchase Cushion (“Loading”defined in more detail below), and any transaction(s) to Your exceeds the balance of the funds available in your Card Account. Adding funds is referred , you shall remain fully liable to as “loading”us for the amount of the transaction(s) and any applicable transaction fee(s). You may load agree to pay us promptly for the negative balance. If you have not added sufficient funds to your Card Account to cover the negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to pursue collection, including the right to collect funds, equal to or less than the negative balance, from any time after other Card Account(s) you may have with us. In all instances described above, loads to your identity has been verifiedCard Account may be made via ACH Deposit or any of the other load methods described in this Agreement. If you do not have enough funds available in your Card Account, subject you can instruct a merchant (e.g. an internet service or utility provider), to charge a part of the purchase to the limitations Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in your Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount determined by the merchant and can range in amounts of up to $100.00, or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the purchase may be preauthorized for a transaction amount representing the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a “hold” on your available funds until the merchant tells us the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed and replaced by the actual amount of your purchase. If the merchant does not tell us the final payment amount, the preauthorized amount on hold will remain in place for up to thirty (30) days. During a hold period, you will not have access to the preauthorized amount. If you use your Card Number without presenting your Card to the merchant (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you physically presented the Card to the merchant (see the section labeled “Virtual Account” for additional information about how to obtain and use a Virtual Account). You may not use your Card Number or the Bank’s routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments such as checks, which we have not authorized. Your Card cannot be redeemed for cash. You may not use your Card or Virtual Account for illegal online gambling or any other illegal transaction. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card or Virtual Account, except as otherwise permitted in this Agreement Agreement. If you authorize a transaction and then fail to make a purchase of that item as planned, the accompanying Schedule A. Merchants approval may result in a hold (see the section labeled “Returns and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Schedule A for more details. There may also be a fee from the originating bank or a third party involved Refunds,” in the load process. Available with Card? Load Optionsaddition to previous information addressed in this section).

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Schedule AFee Schedule, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account wherever the Mastercard® brandmarks are Mastercard brand mark is displayed and unload cash from your Card Account at any VoltCash retail location (as described in the Section below entitled “Using Your Card to Get Cash”), as long as you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule A attached to this Agreement. Some of these services may not be available at all terminals. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For information about the basic limits that apply, see the accompanying Schedule A. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Schedule A. Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule A for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Schedule AAgreement, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account (see section labeled “Cash Access”); (2) load funds to your Card Account (see the section labeled “Loading Your Card Account”); (3) transfer funds between your Card Accounts whenever you request; (4) transfer funds from your Card Account to another Netspend Cardholder Account (both (3) and (4) may be referred to as an “Account-to-Account Transfer”); (5) purchase or lease goods or services wherever the Mastercard® brandmarks Visa debit cards are displayed accepted; and (as described 6) pay bills directly from your Card Account in the Section below entitled “Using Your Card to Get Cash”), as long as amounts and on the days you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Schedule A attached to this Agreementrequest. Some of these services may not be available at all terminals. Limitations on FrequencyYou may also use your Virtual Account to purchase or lease goods or services or make payments by telephone or online, Dollar Amounts without presenting your Card (see the section labeled “Virtual Account”). There may be fees associated with some of Transactions and Types of Merchantsthese transactions. We impose certain limitations on See the number or dollar amount of transactions you can make with your Card. For Fee Schedule for more information about the basic limits that applyfees. Any transfers made through the use of third-party service providers (including, see the accompanying Schedule A. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged reload networks and xxxx payment) will be subject to the frequency and dollar value limits established by the provider. To see the service provider’s terms of service agreement, please visit your online Account Center. Each time you use your Card or Virtual Account, you authorize us to reduce the value available in illegal activitiesyour Card Account by the amount of the transaction and any applicable fees. You may not exceed the available amount in your Card Account through an individual transaction or a series of transactions – unless we decide, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to youdiscretion, to approve such transaction(s) because you have qualified for Purchase Cushion coverage. If you do not qualify for the extent permitted by applicable law. Adding Funds Purchase Cushion (“Loading”defined in more detail below), and any transaction(s) to Your exceeds the balance of the funds available in your Card Account. Adding funds is referred , you shall remain fully liable to as “loading”us for the amount of the transaction(s) and any applicable transaction fee(s). You may load agree to pay us promptly for the negative balance. If you have not added sufficient funds to your Card Account to cover the negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to pursue collection, including the right to collect funds, equal to or less than the negative balance, from any time after other Card Account(s) you may have with us. In all instances described above, loads to your identity has been verifiedCard Account may be made via ACH Deposit or any of the other load methods described in this Agreement. If you do not have enough funds available in your Card Account, you can instruct a merchant (e.g. an internet service or utility provider), merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in your Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount determined by the merchant and can range in amounts of up to $100.00, or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the purchase may be preauthorized for a transaction amount representing the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorized amount will result in the placement of a “hold” on your available funds until the merchant tells us the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed and replaced by the actual amount of your purchase. If the merchant does not tell us the final payment amount, the preauthorized amount on hold will remain in place for up to thirty ATM Cash Withdrawals $325.00 Per transaction; subject to the limitations in this Agreement and the accompanying Schedule A. Merchants and banks lower limits imposed by ATM owner-operator $940.00 Maximum withdrawal amount per day Over-the- Counter Cash Withdrawals $5,000.00 Per transaction PIN-based or Signature- based Purchase Transactions $5,000.00 Per transaction Value Loads – POS Locations $7,500.00 Per rolling twenty four (24) hour period $15,000.00 Per rolling thirty (30) day period Maximum Card Account Value $15,000.00 We will review ACH Deposits that may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Schedule A for more details. There may also be a fee from the originating bank or a third party involved result in the load processvalue of your Card Account exceeding the stated maximum value. Available with Card? Load OptionsIf we determine the ACH Deposit is valid, we may permit the value of your Card Account to exceed the stated maximum value. Account-to- Account Transfer Varies For security reasons, there are limits on the number and dollar amount of transfers you can make to other Netspend accounts.

Card Account Access. Subject to the limitations set forth in this Agreement and the accompanying Schedule AFee Schedule, you may use your Card, Card Number, or Account Number, as applicable, to (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account wherever the Mastercard® brandmarks are displayed (as described in the Section below entitled “Using Your Card to Get Cash”), as long as you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Fee Schedule A attached to this Agreement. Some of these services may not be available at all terminals. Limitations on Frequency, Dollar Amounts of Transactions and Types of Merchants. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For information about the basic limits that apply, see the accompanying Schedule A. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also prohibit using the Card for transactions with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time and restrict certain types of merchants in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Li mits* Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Schedule A. Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule A for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options