Common use of PURCHASE CUSHION Clause in Contracts

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ Features,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-time, approve purchase transactions that you request that create up to a ten- dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your Account Number. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover 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 will have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card does not constitute an open-end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received at the data processor.

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed received qualifying direct deposits defined as paychecks or government benefits totaling at least $500.00 within one (1) direct deposit transactioncalendar month. As described above in the section labeled, labeled “Using Your Card/ FeaturesCard and Virtual Account/ Limitations,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a non-contractual courtesy, and in our sole discretion, upon completing qualifying for the qualifying direct deposit transaction(s)Purchase Cushion, we may, may from time-to-time, time approve purchase transactions that you request that create up to a ten- dollar ($10.00) 10.00 negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushionmeet our eligibility requirements, we may authorize a negative balance balances resulting from PIN-based and signature-based transactions initiated through use of using your Card or Virtual Account. Bill Xxxx pay transactions initiated through our bill third party xxxx pay service providers and Account-to-Account Transfers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your assigned Card Account Numbernumber. You may receive only have one (1) $10.00 negative balance of up to $10.00 allowance at a time. Negative balances are approved at our discretion on a per transaction basis. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card Account to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card Account will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card Account has a positive balance, i.e., sufficient funds to cover 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 creationFurther, we will have the right to cancel your Card Account. Additionallypursue collection, we have including the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card Account may be made via Direct ACH Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on in your Card Account and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on in your Card Account does not constitute an open-a contractual open end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received received. PREAUTHORIZED DEBITS AND CREDITS Your assigned Account Number and the Bank’s routing number can be used for arranging both direct deposits and recurring payments to merchants. You may also arrange for recurring payments to merchants using your Card Number or the xxxx pay services made available through our third-party service providers. If you have arranged to have ACH Deposits made to your Card Account at least once every sixty (60) days from the data processorsame person or company, you can call us at 1-86-NETSPEND/1-866-387-7363 to find out whether or not the deposit has been made. There is a fee when calling the telephone automated service or speaking with a Customer Service agent for the sole purpose of making a balance inquiry. See the Fee Schedule for more information about the fee.

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ Card/Features,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-time, approve purchase transactions that you request that create up to a ten- ten-dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-PIN- based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our the PayAnyone bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your assigned Card Account Numbernumber. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover 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 will have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card does not constitute an open-end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received at the data processor.

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ FeaturesUSING YOUR CARD/FEATURES,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-time, approve purchase transactions that you request that create up to a ten- dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your Account Number. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover 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 will have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card does not constitute an open-end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received at the data processor.

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ Card/Features,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-time, approve purchase transactions that you request that create up to a ten- ten-dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your Account Number. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover 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 will have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card does not constitute an open-end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received at the data processor.

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ Card/Features,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-time, approve purchase transactions that you request that create up to a ten- ten-dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-PIN- based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our the PayAnyone bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your assigned Card Account Numbernumber. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover 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 will have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card does not constitute an open-end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received at the data processor.processor.‌‌‌‌

PURCHASE CUSHION. The Purchase Cushion is a special feature available exclusively to Cardholders who have completed at least one (1) direct deposit transaction. As described above in the section labeled, “Using Your Card/ Card/Features,” you generally do not have the right to make transactions or incur fees in amounts exceeding the available balance of your Card Account. We reserve the right to deny any transaction if available funds in your Card Account are insufficient to cover any transaction, fees, or other charges. However, as a courtesy, and in our sole discretion, upon completing the qualifying direct deposit transaction(s), we may, from time-to-to- time, approve purchase transactions that you request that create up to a ten- ten-dollar ($10.00) negative balance in your Card Account. We refer to this feature as the Purchase Cushion. You will not be assessed any fees for Purchase Cushion coverage. If you are eligible for the Purchase Cushion, we may authorize a negative balance resulting from PIN-based and signature-based transactions initiated through use of your Card or Virtual Account. Bill pay transactions initiated through our bill pay service providers are not eligible for Purchase Cushion coverage, nor are ATM transactions or ACH debit transactions initiated using the Issuer’s routing number and your Account Number. You may only have one (1) negative balance of up to $10.00 at a time. It is important to keep track of the value in your Card Account because it will be your responsibility to determine if you have incurred a negative balance. If you make a transaction that creates a negative balance in your Card Account, you agree that within thirty (30) days of its creation you will add sufficient funds to your Card to cover the negative balance so that your Card Account has a zero or positive balance, or that you will otherwise immediately pay such an amount to us in full upon demand. If after thirty (30) days you have not added sufficient funds to cover your negative balance, your Card will remain open to receive credits and loads, which will automatically be applied to your negative balance before they are available to you; however, you will not be able to make any transactions using your Card or Virtual Account until your Card has a positive balance, i.e., sufficient funds to cover 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 will have the right to cancel your Card Account. Additionally, we have the right to collect funds, equal to or less than the negative balance, from any other Card Account(s) you may have with us. In all instances described above, loads to your Card may be made via Direct Deposit or any of the other load methods described in this Agreement. Should you voluntarily discontinue the use of your Card, you shall remain responsible for the negative balance on your Card and agree that any credits or loads made to your Card will be used to offset the value of the negative balance, if any. You acknowledge that a negative balance on your Card does not constitute an open-end line of credit. If we permit a negative balance on one or more occasions, we do not thereby obligate ourselves to permit a negative balance on any future occasion, and we may refuse to pay a negative balance for you at any time, even though we may have previously paid negative balances up to the $10.00 limit for you. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in your Card Account. Items will be approved or declined in the order they are received at the data processor.