Common use of IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT Clause in Contracts

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Card You must activate the Card before it can be used. You may activate the Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 000-000-0000. You will need to provide personal information in order to verify your identity for Card registration. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Card. However, you will be prompted to select a PIN when you activate the Card. See the activation instructions in the “Activate The Card” section. You should not write or keep your PIN with the Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled “Your Liability for Unauthorized Transfers.” Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the Card. If you permit another person to have access to the Card or Card number(s), we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 000-000-0000, or online by visiting xxx.xxxx.xxx/xxxxxxxx. You will need to provide personal information in order to verify your identity for Card registrationidentity. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the your Card. However, you will be prompted to select a PIN when you activate the your Card. See the activation instructions in the “Activate The Your Card” section. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(s), we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 0-000-000-00000000 or by visiting xxx.xxxxxxxx.xxx. You will need to provide personal information in order to verify your identity for identity. Your Card registrationAccount may not have full functionality (e.g., no Automated Teller Machine (“ATM”) access, no international transactions, and no Account-to- Account transfers), nor will you be able to reload your Card until the Card has been successfully activated and registered. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select receive a PIN when once you activate the Card. See the activation instructions in the “Activate The Card” sectionhave registered your Card with your personal information. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” ”To register your Card, call 0-000-000-0000 or visit xxx.xxxxxxxx.xxx and provide the following personal information: first and last name, physical residential address, date of birth, and Social Security number or Government-issued identification number. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card, Card number, or Card number(s)Virtual Account, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card and Virtual Account according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens obtains a Card AccountCard. What this means for you: When you open a Prepaid Card Accountaccount or request a Secondary Card (as defined below), we will ask for may require your (and in the case of a Secondary Card, the Secondary Cardholder’s (as defined below) name, address, date of birth, Social Security number, tax identification number, and other information that will allow us to identify youyou (and in the case of a Secondary Card, the Secondary Cardholder). We may also ask to see your (and in the case of a copy of your Secondary Card, the Secondary Cardholder’s) driver’s license or other identifying documents. Activate The If we are unable to verify your identity, we may, at our sole discretion: (i) permit you to activate and use your Card You must activate the Card before it can be used. You may activate the Card by contacting XXXX.xxx through its mobile applicationto spend down any Available Balance on your Card, website at xxx.xxxx.xxx(ii) issue you a refund check for any Available Balance on your Card, or by calling 000-000-0000(iii) require further investigation. You will need not be able to provide personal information in order reload your Card and may not be able obtain cash or use your Card internationally until we are able to verify your identity identity. About the Card The Card is a prepaid card. The Card is not a credit card. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card registrationis not a checking or savings account. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) any interest on your funds in your Card Account. There is no credit line associated with the your Card. However, you The funds in your Card Account will be prompted insured to select a PIN when you activate the Cardmaximum coverage limit provided by the FDIC, through the Issuer, once we have been able to verify your identity. See The Card is and will at all times remain the activation instructions in property of the “Activate Issuer and must be surrendered upon demand. The Card” sectionCard is nontransferable, may not be resold, and may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. You should not write agree to sign the back of each Card immediately upon receipt. You agree to only use the Card for personal, family, or keep your PIN with household purposes. We may refuse to process any transaction that we believe may violate the Cardterms of this Agreement or applicable law. Never share your PIN with anyoneAll dollar amounts stated herein are in U.S. Dollars ("USD") unless expressly stated otherwise. When entering your PIN, be sure it canThe Card may not be observed by others and do offered in all states. Refer to the table below for a current list of states where the Card is not enter your PIN into any terminal that appears to be modified or suspiciousoffered. If you believe that anyone has gained unauthorized access are located in or move to your PIN, you should advise us immediately following the procedures in the paragraph titled “Your Liability for Unauthorized Transfers.” Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of a state where we do not offer the Card, we may close your Card Account and return any Balance to you as permitted by applicable law. New York States are subject to change. If you permit another person move to have access to the Card or Card number(s), we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is trueno longer offered, correct your card may be closed and complete; (v) you received a copy of this Agreement and agree any remaining balance will be returned to be bound by and to comply with its terms; and (vi) you accept the Cardyou.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the Your Card before it can will be used. You may activate the Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 000-000-0000. You will need to provide personal information in order to verify your identity for Card registrationactive within a few hours after purchase. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select a PIN when you activate the Card. See the activation instructions in the “Activate The Card” section. You should not write or keep your PIN with the Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled “Your Liability for Unauthorized Transfers.” Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(s)number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 0-000-000-0000. You will need to provide personal information in order to verify your identity for Card registrationidentity. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select receive a PIN when once you activate the Card. See the activation instructions in the “Activate The Card” sectionhave registered your Card with your personal information. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” To register your Card, call 0-000-000-0000 or visit xxx.xxxxxxxx.xxx and provide the following personal information: first and last name, physical residential address, date of birth, and Social Security number or Government-issued identification number. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(s)number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. ‌ To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. Account.‌ What this means for you: When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, calling (866) 000- 0000 or by calling 000-000-0000visiting xxx.XxxXxx.xxx/xxxxxxx. You will need to provide personal information in order to verify your identity identity. Your Card Account may not have full functionality (e.g., no Automated Teller Machine (“ATM”) access and no international transactions), nor will you be able to reload your Card until the Card has been successfully activated and registered.‌ In order to access all features of the Card, this Card must be activated and linked with your pre-existing PayPal Account established at xxx.XxxXxx.xxx, or you must establish a PayPal Account when you activate this Card online at xxx.XxxXxx.xxx/xxxxxxx. See the section labeled “PayPal Account” for more information about the functionality that will not be available to you if an activated Card registrationis not linked to a PayPal Account. PayPal Account Requirement FULL USE OF THIS CARD ACCOUNT REQUIRES A PAYPAL ACCOUNT. If you do not already have a PayPal Account you will link to this Card Account, visit xxx.XxxXxx.xxx to get one, or get one when you activate this Card online at xxx.XxxXxx.xxx/xxxxxxx. You will not be able to go online or use the PayPal Prepaid Mobile App to access balance information, your transaction history, PayPal Instant Transfers, rewards programs offered in connection with your Card Account, and the optional savings account unless you link a PayPal Account to this Card Account. By linking your PayPal Prepaid MasterCard to a PayPal Account, you are consenting that certain information about your use of the PayPal Prepaid MasterCard, such as your Card Account balance, will be shared with PayPal for display in your PayPal Account at xxx.XxxXxx.xxx. Only one (1) PayPal Prepaid MasterCard account may be linked to a PayPal Account, and only one (1) PayPal Account may be linked to a PayPal Prepaid MasterCard account. If a member of your household has another PayPal Prepaid MasterCard account, a separate PayPal Account in that person’s name is needed. NOTE: If your PayPal Account is closed or access to PayPal Services (as defined in the PayPal User Agreement) is closed, suspended, or limited by PayPal at any time, then you WILL NOT be able to link your Card Account to your PayPal Account and you WILL NOT have any access to the online features of the Card Account. For example, if your access to the PayPal Services is limited, you will not be able to check your Card Account balance online unless and until your access to the PayPal Services is reinstated, even if you have previously been able to check your Card Account balance online. You will still have access to alternate methods of checking your Card Account balance, including use of our real-time alerts short message service (typically referred to as an “SMS” message) or by telephoning Customer Service at the toll-free number shown on your Card, and you can still request a sixty (60) day written history of Card Account transactions (see the section labeled “Card Account Balance/Periodic Statements” for more information about this process). The Bancorp Bank and MasterCard are not affiliated in any way with the PayPal Account and do not endorse or sponsor the PayPal Account to which various sources, including a PayPal Prepaid MasterCard, may be linked.‌ Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select receive a PIN when once you activate the Card. See the activation instructions in the “Activate The Card” sectionhave registered your Card with your personal information. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” To register your Card, call (000) 000-0000 or visit xxx.XxxXxx.xxx/xxxxxxx and provide the following personal information: first and last name, physical residential address, date of birth, and Social Security number or Government-issued identification number.‌ Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card, Card number, or Card number(s)Virtual Account, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card and Virtual Account according to the terms and conditions of this Agreement. Agreement.‌ Secondary Cardholder Cardholder‌‌ You may not request an additional Card for another person. The maximum number of additional Cards permitted is two (2). You must notify us to revoke permission for any person you previously authorized to use the Card. If you notify us to revoke another person’s use of the Card, we may revoke your Card and issue a new Card with a different number. You remain liable for any and all usage of any additional Card you authorize. There is no fee for ordering an Additional Card for a Secondary Cardholder. A fee may be assessed for expedited delivery of an Additional Card; for more information about the delivery options and applicable fees, see the section labeled “Fee Schedule.” Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.;

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, visiting www. xxxxxxxxxxx.xxx or by calling 0-000-000-0000. You will need to provide personal information in order to verify your identity for Card registrationidentity. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select receive a PIN when once you activate the Card. See the activation instructions in the “Activate The Card” sectionhave activated your Card with your personal information. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” To activate your Card, call 0-000-000-0000 and provide the following personal information: date of birth, social security number and zip code. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(s)number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 0-000-0-XXXXXX (0-000-000-0000) or online at xxx.xxxxxxxxxx.xxx. You will need to provide personal information in order to verify your identity for Card registrationidentity. Personal Identification Number You will not receive a Your Personal Identification Number (“PIN”) with the Card. However, you will be prompted preset to select a the last four (4) digits of your Social Security number (provided during registration). You may change your PIN when you activate by calling 0-000-0-XXXXXX (0-000-000-0000). You may reset your PIN at any time to the Card. See the activation instructions in the “Activate The Card” sectionoriginal preset value by logging into your account at xxx.xxxxxxxxxx.xxx. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” ”. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(s)number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, calling (866) 000- 0000 or by calling 000-000-0000visiting xxx.XxxXxx.xxx/xxxxxxx. You will need to provide personal information in order to verify your identity identity. Your Card Account may not have full functionality (e.g., no Automated Teller Machine (“ATM”) access and no international transactions), nor will you be able to reload your Card until the Card has been successfully activated and registered. In order to access all features of the Card, this Card must be activated and linked with your pre-existing PayPal Account established at xxx.XxxXxx.xxx, or you must establish a PayPal Account when you activate this Card online at xxx.XxxXxx.xxx/xxxxxxx. See the section labeled “PayPal Account” for more information about the functionality that will not be available to you if an activated Card registrationis not linked to a PayPal Account. PayPal Account Requirement FULL USE OF THIS CARD ACCOUNT REQUIRES A PAYPAL ACCOUNT. If you do not already have a PayPal Account you will link to this Card Account, visit xxx.XxxXxx.xxx to get one, or get one when you activate this Card online at xxx.XxxXxx.xxx/xxxxxxx. You will not be able to go online or use the PayPal Prepaid Mobile App to access balance information, your transaction history, PayPal Instant Transfers, rewards programs offered in connection with your Card Account, and the optional savings account unless you link a PayPal Account to this Card Account. By linking your PayPal Prepaid MasterCard to a PayPal Account, you are consenting that certain information about your use of the PayPal Prepaid MasterCard, such as your Card Account balance, will be shared with PayPal for display in your PayPal Account at xxx.XxxXxx.xxx. Only one (1) PayPal Prepaid MasterCard account may be linked to a PayPal Account, and only one (1) PayPal Account may be linked to a PayPal Prepaid MasterCard account. If a member of your household has another PayPal Prepaid MasterCard account, a separate PayPal Account in that person’s name is needed. NOTE: If your PayPal Account is closed or access to PayPal Services (as defined in the PayPal User Agreement) is closed, suspended, or limited by PayPal at any time, then you WILL NOT be able to link your Card Account to your PayPal Account and you WILL NOT have any access to the online features of the Card Account. For example, if your access to the PayPal Services is limited, you will not be able to check your Card Account balance online unless and until your access to the PayPal Services is reinstated, even if you have previously been able to check your Card Account balance online. You will still have access to alternate methods of checking your Card Account balance, including use of our real-time alerts short message service (typically referred to as an “SMS” message) or by telephoning Customer Service at the toll-free number shown on your Card, and you can still request a sixty (60) day written history of Card Account transactions (see the section labeled “Card Account Balance/Periodic Statements” for more information about this process). The Bancorp Bank and MasterCard are not affiliated in any way with the PayPal Account and do not endorse or sponsor the PayPal Account to which various sources, including a PayPal Prepaid MasterCard, may be linked. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select receive a PIN when once you activate the Card. See the activation instructions in the “Activate The Card” sectionhave registered your Card with your personal information. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” To register your Card, call (000) 000-0000 or visit xxx.XxxXxx.xxx/xxxxxxx and provide the following personal information: first and last name, physical residential address, date of birth, and Social Security number or Government-issued identification number. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card, Card number, or Card number(s)Virtual Account, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card and Virtual Account according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, or by calling 0-000-000-00000000 or online by visiting xxx.x0xxxx.xxx. You will need to provide personal information in order to verify your identity for Card registrationidentity. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select a PIN when you activate the your Card. See the activation instructions in the “Activate The Your Card” section. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(snumber (s), we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Activate The Your Card You must activate the your Card before it can be used. You may activate the your Card by contacting XXXX.xxx through its mobile application, website at xxx.xxxx.xxx, visiting xxx.xxxxxxxxxx.xxx or by calling 000-000-0000000.000.0000. You will need to provide personal information in order to verify your identity for Card registrationidentity. Personal Identification Number You will not receive a Personal Identification Number (“PIN”) with the Cardyour Card Account. However, you will be prompted to select receive a PIN when once you activate the Card. See the activation instructions in the “Activate The Card” sectionhave registered your Card with your personal information. You should not write or keep your PIN with the your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph titled labeled “Your Liability for Unauthorized Transfers.” To register your Card, visit the website at xxx.xxxxxxxxxx.xxx or call 000.000.0000 and provide the following personal information: your 16-digit Card number, your date of birth and the last 4-digits of your Social Security number. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of the your Card. If you permit another person to have access to the your Card or Card number(s)number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of the each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may not request an additional Card for another person. Your Representations and Warranties By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.