Common use of Termination/Changes Clause in Contracts

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Schedule of Fees and Charges List of all fees for OctoPay Prepaid Card All Fees Amount Details Get Started Physical Card Purchase $2.95 Virtual Card Purchase $2.00 Monthly Usage Monthly Fee $2.00 Add Money Direct Deposit $0.00 Spend Money Bill Pay (Regular Delivery) $0.00 Bill pay is available when you log in to your xxx.Xxxxxxx.xxx. Regular bill pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your bill. Bill Payment Stop Payment Transaction $0.00 This is our fee. You can stop the payment by notifying us orally via phone or in writing at least three (3) business days before the scheduled date of the transfer Domestic POS Transaction $0.35 This is our fee. Domestic PIN Transaction $0.35 This is our fee. Domestic POS Decline $0.20 This is our fee. Domestic PIN Decline $0.20 This is our fee. Get Cash ATM Withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee. Information Customer Service (automated or live agent) $0.00 No fee for calling our automated or live agent customer service line, including for balance inquiries. ATM Balance Inquiry $1.00 This is our fee. You may also be charged a fee by the ATM operator. Using your card outside of the US International POS Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International POS Decline $0.20 This is our fee. International PIN Decline $0.20 This is our fee. International ATM Withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete the transaction. International ATM Balance Inquiry $1.00 This is our fee. You may also be charged a fee by the ATM operator. International ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee. Other Inactivity $0.50 You will be charged $0.50 each month after you have not completed a transaction using your card for 1 month. ACH Transfer from Card to Bank Account $1.50 This is our fee. Replacement Card $4.95 This is our fee. Replacement Card – Expedited to Home Address $35.00 This is our fee. Account Closure with Check $15.00 This is our fee. Card to Card Transfer Debit $0.75 This is our fee. Card to Card Transfer Credit $0.00 Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC- insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank, N.A. fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact QRails, Inc. by calling 0-000-000-0000, by mail at PO Box 370898, Denver, CO 80237, or email XxxxXxxxxxxx@XXxxxx.xxx.

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Schedule of Fees and Charges List of all fees for OctoPay Cili By Design Prepaid Card All Fees Amount Details Get Started Physical Card Purchase $2.95 Virtual Card Purchase $2.00 0.00 Monthly Usage Monthly Fee $2.00 2.50 Add Money Direct Deposit $0.00 Spend Money Bill Pay (Regular Delivery) $0.00 1.25 Bill pay is available when you log in to your xxx.Xxxxxxx.xxxXxXxxxXxxx.xxx/XxxxXxXxxxxx. Regular bill pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your bill. Bill Payment Stop Payment Transaction $0.00 30.00 This is our fee. You can stop the payment by notifying us orally via phone or in writing at least three (3) business days before the scheduled date of the transfer Domestic POS Transaction $0.35 0.00 This is our fee. Domestic PIN Transaction $0.35 0.59 This is our fee. Domestic POS Decline $0.20 0.45 This is our fee. Domestic PIN Decline $0.20 0.45 This is our fee. Get Cash ATM Withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 0.00 This is our fee. Information Customer Service (automated or live agent) $0.00 No fee for calling our automated or live agent customer service line, including for balance inquiries. ATM Balance Inquiry $1.00 0.00 This is our fee. You may also be charged a fee by the ATM operator. Using your card outside of the US International POS Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Transaction $0.35 0.59 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International POS Decline $0.20 0.45 This is our fee. International PIN Decline $0.20 0.45 This is our fee. International ATM Withdrawal $2.50 + 3% This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete the transaction. International ATM Balance Inquiry $1.00 0.00 This is our fee. You may also be charged a fee by the ATM operator. International ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 0.00 This is our fee. Other Inactivity $0.50 0.00 You will be charged $0.50 each month after you have not completed a transaction using your card for 1 month. ACH Transfer from Card to Bank Account $1.50 1.25 This is our fee. Replacement Card $4.95 0.00 This is our fee. Replacement Card – Expedited to Home Address $35.00 0.00 This is our fee. Account Closure with Check $15.00 7.00 This is our fee. Card to Card Transfer Debit $0.75 This is our fee. Card to Card Transfer Credit $0.00 Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC- insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank, N.A. fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact QRails, Inc. by calling 0-000-000-0000, by mail at PO Box 370898, Denver, CO 80237, or email XxxxXxxxxxxx@XXxxxx.xxx.

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Schedule of Fees and Charges List of all fees for OctoPay Green Horizen Prepaid Card All Fees Amount Details Get Started Physical Card Purchase $2.95 Virtual Card Purchase $2.00 0.00 Monthly Usage Monthly Fee $2.00 2.50 Add Money Direct Deposit $0.00 Spend Money Bill Xxxx Pay (Regular Delivery) $0.00 Bill 1.25 Xxxx pay is available when you log in to your xxx.Xxxxxxx.xxxXxXxxxXxxx.xxx/XxxxxXxxxxxx. Regular bill xxxx pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your billxxxx. Bill Xxxx Payment Stop Payment Transaction $0.00 30.00 This is our fee. You can stop the payment by notifying us orally via phone or in writing at least three (3) business days before the scheduled date of the transfer Domestic POS Transaction PIN Purchase $0.35 This is our fee. Domestic PIN Transaction $0.35 0.59 This is our fee. Domestic POS Purchase $0.00 Domestic Purchase PIN Decline $0.20 0.45 This is our fee. Domestic PIN Purchase POS Decline $0.20 This is our fee. 0.45 Get Cash ATM Withdrawal $2.50 (in- network) N/A This is our fee. You may also card cannot be charged a fee by the ATM operator, even if you do not complete a transactionused at ATMs. ATM Withdrawal Decline $0.90 (out-of- network) N/A This is our feecard cannot be used at ATMs. You may also be charged a fee by the ATM operator. Bank Teller Cash Withdrawal $2.00 N/A This is our feecard has no cash access. Information Customer Service (automated or live agent) $0.00 0 No fee for calling our automated or live agent customer service line, including for balance inquiries. ATM Balance Inquiry $1.00 or Decline (in-network) N/A This is our feecard cannot be used at ATMs. You may also ATM Balance Inquiry or Decline (out-of-network) N/A This card cannot be charged a fee by the ATM operatorused at ATMs. Using your card outside of the US International POS Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Transaction $0.35 0.59 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International POS Transaction 3% The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Decline $0.20 0.45 This is our fee. International PIN POS Decline $0.20 This is our fee. 0.45 International ATM Withdrawal $2.50 N/A This is our fee. You may also card cannot be charged a fee by the ATM operator, even if you do not complete the transactionused at ATMs. International ATM Balance Inquiry $1.00 or Decline N/A This is our fee. You may also card cannot be charged a fee by the ATM operator. International ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our feeused at ATMs. Other Inactivity $0.50 You will be charged $0.50 each month after you have not completed a transaction using your card for 1 month. 0 ACH Transfer from Card to Bank Account $1.50 1.25 This is our fee. Replacement Card $4.95 This is our fee. Replacement Card – Expedited to Home Address $35.00 0.00 This is our fee. Account Closure with Check $15.00 7.00 This is our fee. Card to Card Transfer Debit $0.75 This is our fee. Card to Card Transfer Credit $0.00 Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC- insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank, N.A. fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact QRails, Inc. by calling 0-000-000-0000, by mail at PO Box 370898XX Xxx 000000, DenverXxxxxx, CO 80237XX 00000, or email XxxxXxxxxxxx@XXxxxx.xxx.

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Schedule of Fees and Charges List of all fees for OctoPay QRails Pay Prepaid Card All Fees Amount Details Get Started Physical Card Purchase $2.95 Virtual Card Purchase $2.00 0.00 Monthly Usage Monthly Fee $2.00 0.00 Add Money Direct Deposit $0.00 Spend Money Bill Xxxx Pay (Regular Delivery) $0.00 Bill 1.00 Xxxx pay is available when you log in to your xxx.Xxxxxxx.xxxXxXxxxXxxx.xxx/XXxxxxXxx-Xxxxxxxx. Regular bill xxxx pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your billxxxx. Bill Xxxx Payment Stop Payment Transaction $0.00 30.00 This is our fee. You can stop the payment by notifying us orally via phone or in writing at least three (3) business days before the scheduled date of the transfer Domestic POS Transaction $0.35 This is our fee. Domestic PIN Transaction $0.35 This is our fee. Domestic POS Decline $0.20 This is our fee. Domestic PIN Decline $0.20 0.50 This is our fee. Get Cash ATM Withdrawal (in- network) $0.00 "In-network" refers to the MoneyPass ATM Network. Locations can be found at xxx.xxxxxxxxx.xxx/xxx-xxxxxxx.xxxx. ATM Withdrawal (out-of- network) $2.50 This is our fee. "Out-of-network" refers to all the ATMs outside of the MoneyPass ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Bank Teller Cash Withdrawal $2.00 This is our fee. 0.00 Information Customer Service (automated or live agent) $0.00 0 No fee for calling our automated or live agent customer service line, including for balance inquiries. ATM Balance Inquiry or Decline (in-network) $1.00 0.75 "In-network" refers to the MoneyPass ATM Network. Locations can be found at xxx.xxxxxxxxx.xxx/xxx-xxxxxxx.xxxx. ATM Balance Inquiry (out-of-network) $0.75 This is our fee. "Out-of-network" refers to all the ATMs outside of the MoneyPass ATM Network. You may also be charged a fee by the ATM operator. Using your card outside of the US International POS Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Transaction $0.35 + 3% This is our fee. The 3% is of Of the US dollar amount of each transaction. Third party fees and rates may apply. International POS Decline $0.20 This is our fee. International PIN Decline $0.20 0.50 This is our fee. International ATM Withdrawal $2.50 + 3% This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete the transaction. The 3% is of the total amount withdrawn. International ATM Balance Inquiry or Decline $1.00 0.75 This is our fee. You may also be charged a fee by the ATM operator. International ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee. Other Inactivity $0.50 4.95 You will be charged $0.50 4.95 each month after you have not completed a transaction using your card for 1 month3 months. ACH Transfer from Card to Bank Account $1.50 This is our fee. 0.00 Upgrade to Personalized Card $0.00 Replacement Card $4.95 5.00 This is our fee. Replacement Card – Expedited to Home Address $35.00 30.00 This is our fee. Account Closure with Check $15.00 This is our fee. Card to Card Transfer Debit $0.75 This is our fee. Card to Card Transfer Credit $0.00 Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC- insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank, N.A. fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact QRails, Inc. by calling 0-000-000-0000, by mail at PO Box 370898, Denver, CO 80237, or email XxxxXxxxxxxx@XXxxxx.xxx.

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Schedule of Fees and Charges List of all fees for OctoPay Groundswell GPR Prepaid Card All Fees Amount Details Get Started Physical Card Purchase $2.95 Virtual Card Purchase $2.00 0.00 Monthly Usage Monthly Fee $2.00 0.00 Add Money Direct Deposit $0.00 Spend Money Bill Pay (Regular Delivery) $0.00 Bill pay is available when you log in to your xxx.Xxxxxxx.xxx. Regular bill pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your bill. Bill Payment Stop Payment Transaction $0.00 This is our fee. You can stop the payment by notifying us orally via phone or in writing at least three (3) business days before the scheduled date of the transfer Domestic POS Transaction $0.35 This is our fee. Domestic PIN Transaction $0.35 This is our fee. Domestic POS Decline $0.20 This is our fee. Domestic PIN Decline $0.20 0.50 This is our fee. Get Cash ATM Withdrawal (in- network) $2.95 "In-network" refers to the MoneyPass ATM Network. Locations can be found at xxx.xxxxxxxxx.xxx/xxx-xxxxxxx.xxxx. ATM Withdrawal (out-of- network) $2.95 This is our fee. "Out-of-network" refers to all the ATMs outside of the MoneyPass ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Bank Teller Cash Withdrawal $2.50 This is our fee. ATM Withdrawal Decline $1.00 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee. Information Customer Service (automated or live agent) $0.00 0 No fee for calling our automated or live agent customer service line, including for balance inquiries. ATM Balance Inquiry (in- network) $1.00 "In-network" refers to the MoneyPass ATM Network. Locations can be found at xxx.xxxxxxxxx.xxx/xxx-xxxxxxx.xxxx. ATM Balance Inquiry (out-of-network) $1.00 This is our fee. "Out-of-network" refers to all the ATMs outside of the MoneyPass ATM Network. You may also be charged a fee by the ATM operator. Using your card outside of the US International POS Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Transaction $0.35 + 3% This is our fee. The 3% is of Of the US dollar amount of each transaction. Third party fees and rates may apply. International POS Decline $0.20 This is our fee. International PIN Decline $0.20 1.00 This is our fee. International ATM Withdrawal $2.50 3.95 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete the transaction. International ATM Balance Inquiry $1.00 This is our fee. You may also be charged a fee by the ATM operator. International ATM Withdrawal Decline $0.90 1.00 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee, even if you do not complete a transaction. Other Inactivity $0.50 6.95 You will be charged $0.50 6.95 each month after you have not completed a transaction using your card for 1 month6 months. ACH Transfer from Card to Bank Account $1.50 1.00 This is our fee. Replacement Card $4.95 This is our fee. Replacement Card – Expedited to Home Address $35.00 This is our fee. Account Closure with Check $15.00 This is our fee. Card to Card Transfer Debit $0.75 This is our fee. Card to Card Transfer Credit $0.00 Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC- insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank, N.A. fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact QRails, Inc. by calling 0-000-000-0000, by mail at PO Box 370898XX Xxx 000000, DenverXxxxxx, CO 80237XX 00000, or email XxxxXxxxxxxx@XXxxxx.xxx.. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit xxxx.xxx/xxxxxxxxx

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law. Schedule of Fees and Charges List of all fees for OctoPay TrustFund Prepaid Card All Fees Amount Details Get Started Physical Card Purchase $2.95 Virtual Card Purchase $2.00 0.00 Monthly Usage Monthly Fee $2.00 0.00 Add Money Direct Deposit $0.00 Spend Money Bill Xxxx Pay (Regular Delivery) $0.00 Bill Xxxx pay is available when you log in to your xxx.Xxxxxxx.xxxxxxxx://xxxxxxxxxxxx.xxx. Regular bill xxxx pay transactions will be completed within 3 business days for electronic payments and within approximately 7 days if we have to mail a paper check to pay your billxxxx. Bill Xxxx Payment Stop Payment Transaction $0.00 This is our fee. You can stop the payment by notifying us orally via phone or in writing at least three (3) business days before the scheduled date of the transfer Domestic POS Transaction $0.35 This is our fee. Domestic PIN Transaction $0.35 This is our fee. Domestic POS Decline $0.20 This is our fee. Domestic PIN Decline $0.20 0.00 This is our fee. Get Cash ATM Withdrawal (in- network) $2.50 "In-network" refers to the MoneyPass ATM Network. Locations can be found at xxx.xxxxxxxxx.xxx/xxx-xxxxxxx.xxxx. This includes 1 free per pay month. ATM Withdrawal (out-of- network) $2.50 This is our fee. "Out-of-network" refers to all the ATMs outside of the MoneyPass ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee. Information Customer Service (automated or live agent) $0.00 0 No fee for calling our automated or live agent customer service line, including for balance inquiries. ATM Balance Inquiry (in- network) $1.00 0.00 "In-network" refers to the MoneyPass ATM Network. Locations can be found at xxx.xxxxxxxxx.xxx/xxx-xxxxxxx.xxxx. ATM Balance Inquiry (out-of-network) $0.00 This is our fee. "Out-of-network" refers to all the ATMs outside of the MoneyPass ATM Network. You may also be charged a fee by the ATM operator. Using your card outside of the US International POS Transaction $0.35 + 3% This is our fee. The 3% is of the US dollar amount of each transaction. Third party fees and rates may apply. International PIN Transaction $0.35 + 3% This is our fee. The 3% is of Of the US dollar amount of each transaction. Third party fees and rates may apply. International POS Decline $0.20 This is our fee. International PIN Decline $0.20 0.00 This is our fee. International ATM Withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete the transaction. International ATM Balance Inquiry $1.00 0.00 This is our fee. You may also be charged a fee by the ATM operator. International ATM Withdrawal Decline $0.90 This is our fee. You may also be charged a fee by the ATM operator. Teller Cash Withdrawal $2.00 This is our fee. Other Inactivity $0.50 0.00 You will be charged $0.50 0.00 each month after you have not completed a transaction using your card for 1 month6 months. ACH Transfer from Card to Bank Account $1.50 0.00 This is our fee. Replacement Card $4.95 0.00 This is our fee. Replacement Card – Expedited to Home Address $35.00 0.00 This is our fee. Account Closure with Check $15.00 This is our fee. Card to Card Transfer Debit $0.75 This is our fee. Card to Card Transfer Credit $0.00 Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Axiom Bank, N.A., an FDIC- insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Axiom Bank, N.A. fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact QRails, Inc. by calling 0-000-000-0000, by mail at PO Box 370898, Denver, CO 80237, or email XxxxXxxxxxxx@XXxxxx.xxx.