Common use of Using Your Card/Features Clause in Contracts

Using Your Card/Features. You may use your Card to purchase goods or services everywhere Visa cards are accepted as long as you do not exceed the Card value on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchases, the merchant may seek pre-authorisation for the purchase amount plus up to 20% or more to ensure there is sufficient Card value available to cover tips or incidental expenses incurred. Until the merchant sends us the final payment amount of your purchase, you will not have access to that part your Card value represented by the pre-authorised amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment of any transaction effected by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card Account. If you authorise a transaction and then fail to make a purchase of that item as planned, there may be a “hold” on your Card value for the amount of the transaction for up to thirty (30) days.

Using Your Card/Features. The maximum value of your Card is restricted to $9,999.99. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature & PIN) No limit to the number of times per day, $5,000.00 per transaction, up to $5,000.00 per day Card to Card Transfer (outgoing) No limit to the number of times per day, $500.00 per transaction, maximum of $2,000.00 per month (past 30 days) You may use your Card to purchase or lease goods or services everywhere Visa Debit Mastercard cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preau- thorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card, you authorize us to stop payment of any transaction effected by use reduce the available value of your Card or Card detailsAccount by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. You may use The maximum value of your Card is restricted to $15,000.00. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 4 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card Purchases (PIN) 50 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card to Card Transfer 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period Card to bank account 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period Western Union Send Money up to $2,525.00 per transaction, up to $2,525.00 per rolling 24 hour period. The Card may be used to purchase or lease goods or services everywhere Visa Mastercard®, Maestro®, Accel®, cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders Cardholders to conduct split transactions where you would use for which the Card is used as partial payment for goods and services and pay the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of available Card Account funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant prior to swiping or dipping your Card that you would like to complete a split transaction, the transaction prior to swiping your Card, your Card is likely to may be declined. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization places a hold on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the hold on the pre-authorized amount will be removed. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your the Card details number without presenting your the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You Account restrictions include but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may limit the amount or number of transactions you can make on your the Card. You do not have the right to stop payment of any transaction effected by use of your Card or Card details. You may not make preauthorised recurring use the Card for illegal gambling or instalment payments any illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the transaction and any applicable fees. Except as may be permitted from your time to time in accordance with the optional Account Guard feature, described in more detail in the following section, Cardholders are not permitted to use the Card Accountto purchase or lease goods or services in amounts in excess of the available funds amount in the Card Account balance whether made through an individual transaction or a series of transactions. If you authorise a transaction and then fail occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to make a purchase the use of that item as plannedthe optional Account Guard feature, there may be a “hold” on your Card value the Cardholder remains fully liable for the amount of the transaction and any fees, as applicable. Optional Account Guard Feature (“ACCT Guard”): As described above in the section labeled, “Using Your Card/Features,” a Cardholder generally does not have the right to make transactions or incur fees in amounts exceeding the available balance of the Card Account. However, at the Program Manager’s discretion, and as a courtesy, ACCT Guard eligible Cardholders may be able to complete selected transaction types (described below) even if the value of the transaction exceeds the Cardholder’s available Card Account balance. To be eligible, a Cardholder must have received at least three hundred dollars ($300.00) in value loads by either direct deposit or ACH in the thirty-five (35) day time period prior to the attempted purchase transaction. We reserve the right to deny any transaction if available funds in the Card Account balance are insufficient to cover any transaction, fees, or other charges. The types of transactions qualifying for the ACCT Guard feature are limited to: Domestic and International ATM cash withdrawals and purchase transactions made with or without the use of a PIN that creates up to thirty a ten-dollar (30$10.00) daysnegative Card Account balance. There are no fees assessed for the ACCT Guard feature, but any standard transaction fee associated with the cash withdrawal or purchase will be assessed. It is important to keep track of the value in the Card Account because it is the Cardholder’s responsibility to determine if a negative balance has been created. If a transaction is approved due to the use of ACCT Guard and it creates a negative balance in the Card Account, you are fully liable to us for the amount of the transaction and any applicable fees. You are responsible for depositing sufficient funds to bring the Card Account balance current within sixty (60) days of the Card Account balance becoming negative. The first or any subsequent value loads (including any value load that is attributable to the favorable resolution of a disputed claim, or other credit we authorize) made to the Card Account following the Card Account balance becoming negative will be automatically applied first to curing the negative balance. Any funds remaining from such value load(s) will then be made available for your use. Failure to make such value load(s) to cure the negative balance within the 60-day time frame described above will result in the deactivation of the Card and any Secondary Cards and/or your ineligibility for the ACCT Guard feature. If you fail to cure the negative balance within ninety (90) days of the Card Account balance becoming negative due to the use of ACCT Guard, then the Card Account will be closed. You acknowledge that a negative balance in the Card Account does not constitute an open-end line of credit. Even 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 ten-dollar ($10.00) ACCT Guard limit. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in the Card Account. Items will be approved or declined in the order they are received at the data processor.

Using Your Card/Features. The maximum value of your Card is restricted to $9,999.99. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature & PIN) No limit to the number of times per day, $5,000.00 per transaction, up to $5,000.00 per day Card to Card Transfer (outgoing) No limit to the number of times per day, $500.00 per transaction, maximum of $2,000.00 per month (past 30 days) You may use your Card to purchase or lease goods or services everywhere Visa Debit Mastercard cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card, you authorize us to stop payment of any transaction effected by use reduce the available value of your Card or Card detailsAccount by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. You may use The maximum value of your Card is restricted to $15,000.00. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 4 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card Purchases (PIN) 50 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card to Card Transfer 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period Card to bank account 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period The Card may be used to purchase or lease goods or services everywhere Visa Mastercard®, Maestro®, Accel®, cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders Cardholders to conduct split transactions where you would use for which the Card is used as partial payment for goods and services and pay the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of available Card Account funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant prior to swiping or dipping your Card that you would like to complete a split transaction, the transaction prior to swiping your Card, your Card is likely to may be declined. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization places a hold on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the hold on the pre-authorized amount will be removed. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your the Card details number without presenting your the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may limit the amount or number of transactions you can make on your the Card. You do not have the right to stop payment of any transaction effected by use of your Card or Card details. You may not make preauthorised recurring use the Card for illegal gambling or instalment payments any illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the transaction and any applicable fees. Except as may be permitted from your time to time in accordance with the optional Account Guard feature, described in more detail in the following section, Cardholders are not permitted to use the Card Accountto purchase or lease goods or services in amounts in excess of the available funds amount in the Card Account balance whether made through an individual transaction or a series of transactions. If you authorise a transaction and then fail occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to make a purchase use of that item as plannedthe optional Account Guard feature, there may be a “hold” on your Card value the Cardholder remains fully liable for the amount of the transaction and any fees, as applicable. Optional Account Guard Feature (“ACCT Guard”): As described above in the section labeled, “Using Your Card/Features,” a Cardholder generally does not have the right to make transactions or incur fees in amounts exceeding the available balance of the Card Account. However, at the Program Manager’s discretion, and as a courtesy, ACCT Guard eligible Cardholders may be able to complete selected transaction types (described below) even if the value of the transaction exceeds the Cardholder’s available Card Account balance. To be eligible, a Cardholder must have received at least three hundred dollars ($300.00) in value loads by either direct deposit or ACH in the thirty-five (35) day time period prior to the attempted purchase transaction. We reserve the right to deny any transaction if available funds in the Card Account balance are insufficient to cover any transaction, fees, or other charges. The types of transactions qualifying for the ACCT Guard feature are limited to: Domestic and International ATM cash withdrawals and purchase transactions made with or without use of a PIN that create up to thirty a ten-dollar (30$10.00) daysnegative Card Account balance. There are no fees assessed for the ACCT Guard feature, but any standard transaction fee associated with the cash withdrawal or purchase will be assessed. It is important to keep track of the value in the Card Account because it is the Cardholder’s responsibility to determine if a negative balance has been created. If a transaction is approved due to the use of ACCT Guard and it creates a negative balance in the Card Account, you are fully liable to us for the amount of the transaction and any applicable fees. You are responsible for depositing sufficient funds to bring the Card Account balance current within sixty (60) days of the Card Account balance becoming negative. The first, or any subsequent value loads (including any value load that is attributable to the favorable resolution of a dispute claim, or other credit we authorize) made to the Card Account following the Card Account balance becoming negative will be automatically applied first to curing the negative balance. Any funds remaining from such value load(s) will then be made available for your use. Failure to make such value load(s) to cure the negative balance within the 60-day time frame described above will result in deactivation of the Card and any Secondary Cards and/or your ineligibility for the ACCT Guard feature. If you fail to cure the negative balance within ninety (90) days of the Card Account balance becoming negative due to the use of ACCT Guard, then the Card Account will be closed. You acknowledge that a negative balance in the Card Account does not constitute an open-end line of credit. Even 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 ten-dollar ($10.00) ACCT Guard limit. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in the Card Account. Items will be approved or declined in the order they are received at the data processor.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $3,000. The maximum value of your Card is restricted to $3,000. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $100 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $100. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000 or writing to us at Cardholder Services, Inc. P.O. box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $5000. The maximum value of your Card is restricted to $5000.00. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99.00 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $100. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000 or writing to us at PO BOX 7001 Biloxi, MS 39531. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed up to $3,500 less any transaction fee(s) due. The maximum value of your Card is restricted to $5,000. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $99. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made.

Using Your Card/Features. You may use your Card to purchase or lease goods or services everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants Merchants do not allow cardholders Cardholders to conduct split transactions where transactions, that is, instances when you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantMerchant, you must tell the merchant Merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants Merchants may require payment for the remaining balance in cash. If you fail to inform the merchant Merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount of up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant purchase may seek pre-authorisation be preauthorized for a transaction amount representing the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until Any preauthorized amount will result in the merchant sends placement of a “hold” on your available funds until the Merchant tells us the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed and replaced with the final purchase amount. Generally, it may take up to seven (7) days for a hold to be removed. However, if the Merchant does not tell us the final payment amount, the preauthorized amount on hold may remain in place for up to thirty (30) days. During a hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itselfitself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the type, amount or number of transactions you can make on your Card. You may not use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card or Virtual Account, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in your Card, you shall remain fully liable to us for the amount of the transaction(s) and any applicable fee(s). If you make a transaction that creates a negative balance on 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 Account until it has a positive balance, i.e., sufficient funds to cover the negative balance. If you have not reloaded your Card Account with sufficient funds to cover the negative balance within sixty (60) days of its creation, we have the right to cancel your Card Account. Additionally, we have the right to 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 allowed for this Card. You do not have the right to stop payment of on any purchase or payment transaction effected (other than preauthorized debit transactions described above) originated by use of your Card or Card detailsVirtual Account. You may not make preauthorised recurring or instalment payments from Should you voluntarily discontinue use of the Card, you shall remain responsible for the negative balance on your Card AccountAccount and agree that any credits or loads made to your Card Account will be used to offset the value of the negative balance, if any. If your Card Account has not had any activity for ninety (90) days, we will begin to assess the Account Maintenance Fee listed in the Fee Schedule NON-VISA DEBIT TRANSACTIONS Procedures are in effect that may impact you authorise when you use your Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and then fail must provide you with a clear way of choosing to make a purchase Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the section labeled “YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS” for a description of that item as plannedthese rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, there may be a “hold” on swipe your Card value through a POS terminal, sign the receipt, or provide your 16-digit Card Number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the amount POS, enter your PIN at the POS terminal or provide your 16-digit Card Number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain xxxx payment, mail order, telephone, or Internet purchases. VIRTUAL ACCOUNT To purchase or lease goods or services or make payments by telephone or online without presenting your Card Number, you may request up to six (6) active Virtual Accounts. Each Virtual Account consists of a 16-digit account number, a 3-digit security code, and an expiration date. Each Virtual Account expires one year from the last day of the transaction for up to thirty calendar month during which the Virtual Account was created. For example, if a Virtual Account is created on February 24, 2018, its expiration date is February 28, 2019. When you use your Virtual Account without presenting your Card, the legal effect will be the same as if you used the Card itself. You must first register your Card with us before you can request a Virtual Account (30) dayssee the section labeled “ACTIVATE YOUR CARD”).

Using Your Card/Features. You may use The maximum value of your Card is restricted to $15,000.00. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 4 times per rolling 24-hour period, up to $2,525.00 per rolling 24 hour period Card Purchases (PIN) 50 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card to Card Transfer 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period Card to bank account 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period The Card may be used to purchase or lease goods or services everywhere Visa Mastercard®, Maestro®, Accel®, cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders Cardholders to conduct split transactions where you would use for which the Card is used as partial payment for goods and services and pay the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of available Card Account funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant prior to swiping or dipping your Card that you would like to complete a split transaction, the transaction prior to swiping your Card, your Card is likely to may be declined. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization places a hold on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the hold on the pre-authorized amount will be removed. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your the Card details number without presenting your the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You Account restrictions include but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may limit the amount or number of transactions you can make on your the Card. You do not have the right to stop payment of any transaction effected by use of your Card or Card details. You may not make preauthorised recurring use the Card for illegal gambling or instalment payments any illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the transaction and any applicable fees. Except as may be permitted from your time to time in accordance with the optional Account Guard feature, described in more detail in the following section, Cardholders are not permitted to use the Card Accountto purchase or lease goods or services in amounts in excess of the available funds amount in the Card Account balance whether made through an individual transaction or a series of transactions. If you authorise a transaction and then fail occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to make a purchase the use of that item as plannedthe optional Account Guard feature, there may be a “hold” on your Card value the Cardholder remains fully liable for the amount of the transaction and any fees, as applicable. Optional Account Guard Feature (“ACCT Guard”): As described above in the section labeled, “Using Your Card/Features,” a Cardholder generally does not have the right to make transactions or incur fees in amounts exceeding the available balance of the Card Account. However, at the Program Manager’s discretion, and as a courtesy, ACCT Guard eligible Cardholders may be able to complete selected transaction types (described below) even if the value of the transaction exceeds the Cardholder’s available Card Account balance. To be eligible, a Cardholder must have received at least three hundred dollars ($300.00) in value loads by either direct deposit or ACH in the thirty-five (35) day time period prior to the attempted purchase transaction. We reserve the right to deny any transaction if available funds in the Card Account balance are insufficient to cover any transaction, fees, or other charges. The types of transactions qualifying for the ACCT Guard feature are limited to: Domestic and International ATM cash withdrawals and purchase transactions made with or without the use of a PIN that creates up to thirty a ten-dollar (30$10.00) daysnegative Card Account balance. There are no fees assessed for the ACCT Guard feature, but any standard transaction fee associated with the cash withdrawal or purchase will be assessed. It is important to keep track of the value in the Card Account because it is the Cardholder’s responsibility to determine if a negative balance has been created. If a transaction is approved due to the use of ACCT Guard and it creates a negative balance in the Card Account, you are fully liable to us for the amount of the transaction and any applicable fees. You are responsible for depositing sufficient funds to bring the Card Account balance current within sixty (60) days of the Card Account balance becoming negative. The first or any subsequent value loads (including any value load that is attributable to the favorable resolution of a disputed claim, or other credit we authorize) made to the Card Account following the Card Account balance becoming negative will be automatically applied first to curing the negative balance. Any funds remaining from such value load(s) will then be made available for your use. Failure to make such value load(s) to cure the negative balance within the 60-day time frame described above will result in the deactivation of the Card and any Secondary Cards and/or your ineligibility for the ACCT Guard feature. If you fail to cure the negative balance within ninety (90) days of the Card Account balance becoming negative due to the use of ACCT Guard, then the Card Account will be closed. You acknowledge that a negative balance in the Card Account does not constitute an open-end line of credit. Even 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 ten-dollar ($10.00) ACCT Guard limit. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in the Card Account. Items will be approved or declined in the order they are received at the data processor.

Using Your Card/Features. The maximum value of your Card is restricted to $9,999.99. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature & PIN) No limit to the number of times per day, $5,000.00 per transaction, up to $5,000.00 per day Card to Card Transfer (outgoing) No limit to the number of times per day, $500.00 per transaction, maximum of $2,000.00 per month (past 30 days) You may use your Card to purchase or lease goods or services everywhere Visa debit cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card, you authorize us to stop payment of any transaction effected by use reduce the available value of your Card or Card detailsAccount by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $5,000. The maximum value of your Card is restricted to $5,000. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99, even if the purchase amount plus up to 20% or more to ensure there is less than $99. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000, or writing to us at Cardholder Services, PO Box 550578, Ft. Lauderdale, FL 33355. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $10,000.00. You may use your Card to purchase or lease goods or services everywhere Visa Debit Visa, NYCE, STAR, or Plus cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant may seek pre-authorisation preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your the Card details number without presenting your the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make on the Card. You may not use your the Card for illegal online gambling or any other illegal transaction. We may refuse to process increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Card transaction that we believe may violate the terms of this Agreement or applicable lawcannot be redeemed for cash. Each time you use your Card or Card detailsthe Card, you authorise authorize us to reduce the available value of the Card value Account by the amount of the transaction. We may also deduct from the Card value transaction and any amount that you owe us including fees payable under this Agreementapplicable fees. You are not allowed to spend more than exceed the available amount in the Card value Account through an individual transaction or a series of transactions. For security reasonsNevertheless, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment of any transaction effected by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card Account. If you authorise if a transaction and then fail exceeds the available balance of funds on the Card, you shall remain fully liable to make a purchase of that item as planned, there may be a “hold” on your Card value us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $2500. The maximum value of your Card is restricted to $2500.00. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99.00 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $100. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000 or writing to us at PO BOX 7001 Biloxi, MS 39534. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. You may use The maximum value of your Card is restricted to $15,000.00. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 4 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card Purchases (PIN) 50 times per rolling 24 hour period, up to $2,525.00 per rolling 24 hour period Card to Card Transfer 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period Card to bank account 2 times per rolling 24 hour period, up to $2,500.00 per rolling 24 hour period The Card may be used to purchase or lease goods or services everywhere Visa Mastercard®, Maestro®, Accel®, cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders Cardholders to conduct split transactions where you would use for which the Card is used as partial payment for goods and services and pay the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of available Card Account funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant prior to swiping or dipping your Card that you would like to complete a split transaction, the transaction prior to swiping your Card, your Card is likely to may be declined. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization places a hold on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the hold on the pre-authorized amount will be removed. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your the Card details number without presenting your the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You Account restrictions include but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may limit the amount or number of transactions you can make on your the Card. You do not have the right to stop payment of any transaction effected by use of your Card or Card details. You may not make preauthorised recurring use the Card for illegal gambling or instalment payments any illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the transaction and any applicable fees. Except as may be permitted from your time to time in accordance with the optional Account Guard feature, described in more detail in the following section, Cardholders are not permitted to use the Card Accountto purchase or lease goods or services in amounts in excess of the available funds amount in the Card Account balance whether made through an individual transaction or a series of transactions. If you authorise a transaction and then fail occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to make a purchase the use of that item as plannedthe optional Account Guard feature, there may be a “hold” on your Card value the Cardholder remains fully liable for the amount of the transaction and any fees, as applicable. Optional Account Guard Feature (“ACCT Guard”): As described above in the section labeled, “Using Your Card/Features,” a Cardholder generally does not have the right to make transactions or incur fees in amounts exceeding the available balance of the Card Account. However, at the Program Manager’s discretion, and as a courtesy, ACCT Guard eligible Cardholders may be able to complete selected transaction types (described below) even if the value of the transaction exceeds the Cardholder’s available Card Account balance. To be eligible, a Cardholder must have received at least three hundred dollars ($300.00) in value loads by either direct deposit or ACH in the thirty-five (35) day time period prior to the attempted purchase transaction. We reserve the right to deny any transaction if available funds in the Card Account balance are insufficient to cover any transaction, fees, or other charges. The types of transactions qualifying for the ACCT Guard feature are limited to: Domestic and International ATM cash withdrawals and purchase transactions made with or without the use of a PIN that creates up to thirty a ten-dollar (30$10.00) daysnegative Card Account balance. There are no fees assessed for the ACCT Guard feature, but any standard transaction fee associated with the cash withdrawal or purchase will be assessed. It is important to keep track of the value in the Card Account because it is the Cardholder’s responsibility to determine if a negative balance has been created. If a transaction is approved due to the use of ACCT Guard and it creates a negative balance in the Card Account, you are fully liable to us for the amount of the transaction and any applicable fees. You are responsible for depositing sufficient funds to bring the Card Account balance current within sixty (60) days of the Card Account balance becoming negative. The first or any subsequent value loads (including any value load that is attributable to the favorable resolution of a disputed claim, or other credit we authorize) made to the Card Account following the Card Account balance becoming negative will be automatically applied first to cure the negative balance. Any funds remaining from such value load(s) will then be made available for your use. Failure to make such value load(s) cure the negative balance within the 60-day time frame described above will result in the deactivation of the Card and any Secondary Cards and/or your ineligibility for the ACCT Guard feature. If you fail to cure the negative balance within ninety (90) days of the Card Account balance becoming negative due to the use of ACCT Guard, then the Card Account will be closed. You acknowledge that a negative balance in the Card Account does not constitute an open-end line of credit. Even 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 ten-dollar ($10.00) ACCT Guard limit. We have no obligation to notify you before we approve or decline a transaction that would result in a negative balance in the Card Account. Items will be approved or declined in the order they are received at the data processor.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $2500. The maximum value of your Card is restricted to $2500.00. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99.00 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $100. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000 or writing to us at PO BOX 7001 Biloxi, MS 39534. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum value of your Card is restricted to $15,000.00. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchase (Signature or PIN) No limit to the number of times per day; up to $5,000.00 per transaction and $5,000.00 every 24- hours. Card-to-Card Transfer* Up to: 3 times per calendar day, 20 times every 30 consecutive days; Up to: $500.00 per calendar day and $2,000.00 every 30 consecutive days. Direct Debit (ACH Debit) Up to: 4 times every 24-hours, $5,000.00 per transaction and up to $5,000.00 every 24-hours. *Card-to-Card Transfer is available only between eligible open and active XXXX.xxx Cards issued by The Bancorp Bank. This means, if your Card is reported lost or stolen, it will be closed, and a replacement Card will be sent to you. Card-to-Card Transfer from the closed Card to another Card is not available until you activate the replacement Card. To determine if your Card has access to Card-to-Card Transfer, please contact XXXX.xxx through its Mobile App, website at xxx.xxxx.xxx, or by calling 000-000-0000. You may use your Card to purchase or lease goods or services everywhere Visa Debit Mastercard cards, Maestro cards, or Interlink cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card, you authorize us to stop payment of any transaction effected by use reduce the available value of your Card or Card detailsAccount by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through a n individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. You may use The maximum value of your Card is restricted to purchase goods or services everywhere Visa cards are accepted the amount of the funds in your Benefit Account as long as you do not exceed dictated by your Plan. To initiate a MasterCard debit transaction at the Card value on POS, swipe your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at through a POS terminal, sign the pump”); please use receipt, or provide your Card to pay number for your purchase inside with the cashiera mail order, telephone, or Internet purchase. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use Any preauthorization amount will place a “hold” on your Card at a restaurant, a hotel, for a car rental, or for similar purchases, the merchant may seek pre-authorisation for the purchase amount plus up to 20% or more to ensure there is sufficient Card value available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. You For security reasons, your Plan Administrator may not use your Card for online gambling limit the amount or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms number of this Agreement or applicable law. transactions Each time you use your Card or Card detailsCard, you authorise us authorize your Plan Administrator to reduce the value available in your Card value Account by the amount of the transaction. We may also deduct from the Card value transaction and any amount that you owe us including fees payable under this Agreementapplicable fees. You are not allowed to spend more than exceed the available amount in your Card value Account through an individual transaction or a series of transactions. For security reasonsNevertheless, we may limit if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable for the amount or number of transactions you can make on your Cardthe transaction and any applicable fees. You do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card detailsCard. You may not make preauthorised recurring or instalment preauthorized regular payments from your Card Account. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days.

Using Your Card/Features. You may only use the Card when a balance is available and only up to the available amount plus any transaction fees. Each time you use your Card, you authorize us to reduce the money available on your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the available balance through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the available balance on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Some merchants may, subject to limits, allow cash-back on purchases and cash may be advanced at financial institutions. Cash-back is only available at U.S. merchants with your Card; it is not available at International merchants. You may use your Card to purchase or lease goods or services everywhere Visa debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierCard. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant may seek pre-authorisation preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed which may take up to 24 hours. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. You do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard, except as otherwise provided herein. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Card Account Balance/Transactions You are responsible for keeping track of your available balance. It is important to know your available balance before making any transaction. You may review your Card balance and the last 5 transactions activity records by calling the number on the back of your card or by visiting xxxxxxxxxxx.xxx. This information is available to you 24 hours a day, 7 days a week. Your Founders Visa Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Replacement/Lost or Stolen Cards/Expired Cards If you need to replace your Card for any reason, please call the number on the back of you card to request a replacement. You will be required to provide personal information which may include your Card Number, full name, transaction history, copies of accepted identification, etc. Notify us promptly if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen subject to unauthorized use of the Card as stated in this Agreement. There is a processing fee for lost or stolen cards noted in the Fees section of this Agreement. Your Card will expire on the earlier of: nine months from the date of the last value load if the balance is zero, or the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Cards. You may not use an expired or revoked Card. If your card is a personalized card in good standing, greater than a $10 balance, and has activity within the previous 90 days, it will automatically reissue. Text Message Alerts Visit xxxxxxxxxxx.xxx to enroll. Once enrolled, click on “Text Message (SMS) Alerts” in the drop down Activities Box. Choose which alerts you would like to receive. To discontinue receiving text alerts, return to this section and “unsubscribe.” There is a fee for this service. (Refer to the chart below). ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions If you affect or authorize a transaction with your card in a currency other than U.S. Dollars, Visa will convert the charge into a U.S. Dollar amount. The currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by Visa, as applicable. The exchange rate Visa uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of the purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% may be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, Visa charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, “cross-border transaction” shall include both (a) transactions initiated in a foreign country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union may assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms.

Using Your Card/Features. The maximum amount that can be spent on your Card per day cannot exceed the card value. The maximum value of your Card is restricted to $5000. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $99. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to (three 3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000, or writing to us at Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum value of your Card is restricted to $15,000.00. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchase (Signature or PIN) No limit to the number of times per day; up to $5,000.00 per transaction and $5,000.00 every 24- hours. Card-to-Card Transfer* Up to: 3 times per calendar day, 20 times every 30 consecutive days; Up to: $500.00 per calendar day and $2,000.00 every 30 consecutive days. Direct Debit (ACH Debit) Up to: 4 times every 24-hours, $5,000.00 per transaction and up to $5,000.00 every 24-hours. *Card-to-Card Transfer is available only between eligible open and active XXXX.xxx Cards issued by The Bancorp Bank. This means, if your Card is reported lost or stolen, it will be closed, and a replacement Card will be sent to you. Card-to-Card Transfer from the closed Card to another Card is not available until you activate the replacement Card. To determine if your Card has access to Card-to-Card Transfer, please contact XXXX.xxx through its Mobile App, website at xxx.xxxx.xxx, or by calling 000-000-0000. You may use your Card to purchase or lease goods or services everywhere Visa debit cards, Maestro cards, Plus cards, or Interlink cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card, you authorize us to stop payment of any transaction effected by use reduce the available value of your Card or Card detailsAccount by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. Your Card may be used for retail purchases and telephone or Internet purchases. There are limitations on these transactions as well as limitations on the loading and card balance. This information may be found on the Fee Schedule and Limitations table. You may use your Card to purchase or lease goods or services everywhere Visa cards are is accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant may seek pre-authorisation preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 30 days for the hold to be removed. During the hold period, you will not have access to that part the preauthorized amount. You may also use your Card value represented with PIN to obtain cash at any Automated Teller Machine (“ATM”) displaying the Visa name or logo, the Visa Interlink name or logo, or the Maestro name or logo. All ATM transactions are treated by us as cash withdrawal transactions. Your Card may not be used at an ATM for any other transactions, including specifically Card Account deposits. You will be charged a fee by us for each cash withdrawal made at an ATM in the amount disclosed in the section entitled “Fee Schedule and Limitations” set forth below. Our ATM withdrawal fees do not include additional fees that may be charged by the pre-authorised amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days owners of ATMs or other networks for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactionuse of their terminals. If you use your Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do Your Card cannot have the right be used to stop payment of obtain cash directly from any transaction effected by use of your Card bank or Card detailsmerchant. You may not make preauthorised recurring use your Card(s) for gambling, including online gambling, or instalment payments from any illegal transaction. Each time you use your Card to make a purchase or obtain cash at an ATM, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, the Primary Accountholder shall remain fully liable to us for the amount of the transaction and any applicable fees. If your Card Account has a negative balance, Xxxxx reserves the right to suspend the Card until the Primary Accountholder satisfies the negative balance. Furthermore, in the event that the balance of your Primary Account is insufficient to cover the amount owed, whether such amount is owed to the Issuer or Xxxxx, the Primary Accountholder authorizes Xxxxx to debit the Funding Account for the amount owed. Xxxxx will send the Primary Accountholder an electronic notification, which will state the amount to be debited. The Primary Accountholder may revoke such authorization at any time by terminating the Primary Account. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty ten (3010) days.. All transactions relating to car rentals may result in a hold for that amount of funds for up to forty-five

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $5000. The maximum value of your Card is restricted to $5000.00. You may use your Card to purchase or lease goods or services everywhere wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99.00 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $100. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000 or writing to us at PO BOX 7001 Biloxi, MS 39534. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum amount that can be spent on your Card per day is the balance. The maximum value of your Card is restricted to $5000. You may use your Card to purchase or lease goods or services everywhere Visa wherever, in most instances, Mastercard Debit cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $99. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to thirty (30) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000-000-0000, or writing to us at Cardholder Services, P.O. Box 7235, Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Using Your Card/Features. The maximum value of your Card is restricted to $2,000.00. These are the maximum amounts that can be spent on your Card. Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 6 times per calendar day $1,000 per transaction, up to $1,000 per day Card Purchases (PIN) 6 times per calendar day $1,000 per transaction, up to $1,000 per day You may use your Card to purchase goods or services everywhere Visa pay for commuting expenses deemed eligible pursuant to section 132(f) of the Internal Revenue Code in the United States and District of Columbia wherever Debit Mastercard®, Maestro® cards and NYCE® cards are accepted as long as you do not exceed the available value of your Card Account and other restrictions (see examples described below) do not apply. The value on of the purchases you make may not exceed the available value of your Card Account. Your Card canmay not be used at an automated fuel dispenser (“pay at outside of the pump”); please use your Card to pay for your purchase inside with United States and District of Columbia, including Internet and mail or telephone order merchant outside of the cashierU.S. and District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the your Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the your Card to the Cardyour Card Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If When you use the Card to make a purchase, a preauthorization will be placed on your Card at Account. A preauthorization will place a restaurant, a hotel, for a car rental, or for similar purchases, the merchant may seek pre-authorisation for the purchase amount plus up to 20% or more to ensure there is sufficient Card value “hold” on those available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part the preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card value represented by the pre-authorised amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactionsAccount. If you wish authorize a transaction and then fail to make Internetthe purchase, mail, or phone order purchases, you will need the approval may result in a hold for that amount of funds for up to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactionthirty (30) days. If you use your 16-digit Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the your Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You Account restrictions include but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have the right to stop payment of any transaction effected by use of your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. Your Card detailscannot be redeemed for cash. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the balance of that item as planned, there may be a “hold” the funds available on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any applicable fees.

Using Your Card/Features. You agree to pay the fees disclosed in this Agreement. All fees assessed by the Community Reloadable Prepaid Visa Card are deducted from your available prepaid funds balance or your Card Account. If you do not have sufficient available prepaid funds to cover a fee, the transaction will be declined. Subject to the terms and conditions of this Agreement, your Card may be used wherever Visa debit cards are accepted. However, Temporary Cards may not be used: (i) at ATMs or for cash back at any point of sale device or (ii) at merchants outside of the United States (including internet websites based outside the United States). If you received a Temporary Card and you wish to use your Card for any of the uses described in this paragraph, you must first register it (see “How to Register Your Card” above) to receive a Personalized Card. Your Personalized Card may be used to (i) add funds to your Card Account (see section labeled “Loading Your Card” above), (ii) purchase goods or services wherever Visa debit cards are accepted, and (iii) withdraw funds from your Card Account. Fees and limitations on these transactions may be found on the Fee Schedule Table above and Card Limitations Table below. Some services may not be available at all terminals. Your Card may be used without a PIN to make purchases. Subject to the fees and limitations found on the Fee Schedule Table above and Card Limitations Table below, you may use your Card to purchase or lease goods or services everywhere Visa Debit cards are accepted as long as you do not exceed the Card prepaid value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierCard. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use With certain types of purchases (such as restaurants, hotels, car rentals, salons, automatic fuel dispensers), your Card at a restaurant, a hotel, may be preauthorized for a car rental, or for similar purchases, the merchant may seek pre-authorisation for an amount greater than the purchase amount. Any preauthorization amount plus up to 20% or more to ensure there is sufficient Card value will place a "hold" on your available to cover tips or incidental expenses incurred. Until prepaid funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 10 days and longer for travel and lodging transactions for the hold to be removed. During the hold period, you will not have access to that part the preauthorized amount. Your transaction will be declined if you do not have available funds requested in the preauthorization. If your Card value represented by the pre-authorised amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If declined at an automatic fuel dispenser, even though you wish to make Internet, mail, or phone order purchaseshave sufficient funds available, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter should pay for your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details without presenting your Card (such as for a mail order, telephone, or Internet purchase), purchase inside with the legal effect will be the same as if you used the Card itselfcashier. You may not use your Card for online gambling activities, even if gambling is legal in the jurisdiction where the activity took place, or any illegal or fraudulent transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or transactions that may be fraudulent, illegal, or that may otherwise violate applicable law, rules, or regulations. Each time When you use purchase goods and services using your Card or Card detailsCard, you authorise authorize us to reduce the value available in your prepaid funds balance or Card value Account balance by the amount of the transaction and any applicable fees. At the time of the transaction, you must have sufficient prepaid funds available or we will decline the transaction. We Nevertheless, in some instances, transactions may also deduct result in a negative balance associated with your Card (for example, if there is a delay with the acquirer submitting the transaction and there are not enough funds in your prepaid funds balance or Card Account balance at the time the transaction is processed, or if fees are assessed to the funds available on your Card and there are not enough funds to cover the assessment). If, at any time, any transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction(s) and any applicable fees. If your prepaid funds balance or Card Account is zero or a negative balance, we may at our sole option cancel your Card. You agree to correct any negative balances by loading your Card Account with sufficient funds within five (5) days from the date the negative balance arises. If there is a negative balance, any funds subsequently added to the Card value Account will first be applied to the negative balance, if any. If a Card Account balance remains negative for fifteen (15) days, you understand that the funds in any amount of your Card Accounts issued by the Issuer can be used to cure the negative balance. This means, there is a right to set-off any liability, direct or contingent, past, present or future that you owe us including fees payable under this Agreementagainst any Card Account. By activating the Card or by retaining, using or authorizing the use of the Card you xxxxx x xxxx on and a security interest in the funds on deposit in each Card Account as security for all your liabilities and obligations, now or in the future with us. You are agree the security interest granted to us is consentual and is in addition to our common law right of set off. Our right of set off and security interest may not allowed apply to spend more than your Card to the Card value through extent expressly prohibited by applicable law. If a negative balance is created due to an individual transaction or a series unauthorized transaction, please refer to the sections of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. this Agreement titled “Your Liability for Unauthorized Transactions” and “Information About Your Right to Dispute Errors.” You do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card detailsCard. You may not make preauthorised preauthorized recurring or instalment regular payments from your Card or Card Account. If you authorise a transaction and then fail to make a purchase of that item as planned, there may be a “hold” on your Card value for the amount of the transaction for up to thirty (30) days.

Using Your Card/Features. You may use your Card to purchase or lease goods or services everywhere Visa Debit Mastercard or PULSE cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card canAccount and other restrictions (see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants Merchants do not allow cardholders Cardholders to conduct split transactions where transactions, that is, instances when you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantMerchant, you must tell the merchant Merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants Merchants may require payment for the remaining balance in cash. If you fail to inform the merchant Merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the purchase may be preauthorized for a transaction amount of up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant purchase may seek pre-authorisation be preauthorized for a transaction amount representing the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until Any preauthorized amount will result in the merchant sends placement of a “hold” on your available funds until the Merchant tells us the final payment amount of your purchase. Once we know the final payment amount, the preauthorized amount on hold will be removed and replaced with the final purchase amount. Generally, it may take up to seven (7) days for a hold to be removed. However, if the Merchant does not tell us the final payment amount, the preauthorized amount on hold may remain in place for up to thirty (30) days. During a hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” on your Card value and it may take up to fifteen (15) days for the hold to be removed or up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transaction. If you use your Card details Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itselfitself (see below for additional information about how to obtain and use a Virtual Account). You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card detailsAccount restrictions include, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You but are not allowed limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply with laws or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the type, amount or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right to stop payment of restrictions or add new ones at any transaction effected by time. Your Card cannot be redeemed for cash. Each time you use of your Card or Virtual Account, you authorize us to reduce the value available in your Card detailsAccount by the amount of the transaction and any applicable fees. You may are not make preauthorised recurring or instalment payments from allowed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail exceeds the balance of the funds available in your Card, you shall remain fully liable to make a purchase of that item as planned, there may be a “hold” on your Card value us for the amount of the transaction(s) and any applicable fee(s). If you make a transaction for up to that creates a negative balance on your Card Account, you agree that within thirty (30) days.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

Using Your Card/Features. The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $5,000.00. You may use your Card to purchase or lease goods or services everywhere Visa cards wherever, in most instances, Mastercard Debit Cards are accepted as long as you do not exceed the Card value available on your Card Account. Your Card cannot be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashier. Some merchants do not allow cardholders Cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at a restaurant, a hotel, for a car rental, or for similar purchasesan automated fuel dispenser ("pay at the pump"), the merchant may seek pre-authorisation for preauthorize the transaction amount up to $99.00 or more, even if the purchase amount plus up to 20% or more to ensure there is less than $99.00. If your Card is declined, even though you have sufficient Card value funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available to cover tips or incidental expenses incurred. Until funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to (three 3) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For that period there is a “hold” Depending on your Card value and it may take up to fifteen (15) days for remaining balance, the hold preauthorization could cause another subsequent purchase to be removed or up to sixty (60) days for car rental transactionsdeclined. If you wish to make Internet, mailTo avoid a declined purchase, or phone order purchasesa hold greater than the actual purchase amount, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter pay for your address prior to performing an Internet, mail, or phone order transactiongas inside with the cashier. If you use your Card details at a restaurant, a hotel, for a car rental purchase or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 15% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, telephone or Internet internet purchase), the legal effect will be the same as if you used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment of on any purchase or payment transaction effected originated by use of your Card or Card details. You may not make preauthorised recurring or instalment payments from your Card AccountCard. If you authorise authorize a transaction and then fail to make a purchase of that item as planned, there the approval may be result in a “hold” on your Card value hold for the that amount of the transaction funds for up to thirty (30) days.. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify the Prepaid Contact Center by calling 855-657- 8588, or writing to Cardholder Services, P.O. Box 7235, Sioux Falls, SD 57117-7235. If you notify call, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three

Using Your Card/Features. The maximum value of your Card is restricted to $2500.00. You may use your Card for purchase transactions in any amount and any number of transactions up to the maximum dollar value that has been loaded to the Card Account. You may use your Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”), the District of Columbia, and Puerto Rico everywhere Visa Debit Mastercard or PULSE cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your The Card canmay not be used at an automated fuel dispenser (“pay at outside the pump”); please use your Card to pay for your purchase inside with U.S., the cashierDistrict of Columbia and Puerto Rico, including Internet and mail or telephone order merchants outside the U.S., the District of Columbia, and Puerto Rico. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction amount may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value funds available to cover tips or incidental expenses incurred. Until A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part the preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card value represented by Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the pre-authorised amount. For approval may result in a hold for that period there is a “hold” on your Card value and it may take amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your 16-digit Card details number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You are not allowed to spend more than the Card value through an individual transaction or a series of transactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do Your Card cannot have the right to stop payment of any transaction effected by use of be redeemed for cash (but your Card may be used to obtain cash from an ATM or Card detailsPOS device, as set forth in the paragraph labeled “Cash Access”). You may not make preauthorised recurring or instalment payments from use your Card Accountfor online gambling or any illegal transaction. If Each time you authorise use your Card, you authorize us to reduce the available value of your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.

Using Your Card/Features. The maximum value of your Card is restricted to $125,000.00. These are the maximum amounts that can be spent on your Card Account: Transaction Type Frequency and/or Dollar Limits 1 Card Purchases (Signature) No limit to the number of times per day, up to $2,000.00 per day, up to $9,000.00 per month Card Purchases (PIN) No limit to the number of times per day, up to $2,000.00 per day, up to $9,000.00 per month Xxxx Pay Service No limit to the number of times per day, up to $5,000.00 per day, up to $2,000.00 per transaction 1The “per day” cutoff time for Frequency and/or Dollar Limits is midnight MT. “Per month” means a consecutive thirty (30) day period. You may use your Card to purchase or lease goods or services everywhere Visa debit cards, Interlink cards, and Maestro cards are accepted as long as you do not exceed the Card available value on of your Card Account. Your Card canAccount and other restrictions ( see examples described below) do not be used at an automated fuel dispenser (“pay at the pump”); please use your Card to pay for your purchase inside with the cashierapply. Some merchants do not allow cardholders to conduct split transactions where you would use the your Card as partial payment for goods and services and pay the remainder of the balance with w ith another form of formof legal tender. If you wish w ish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the your Card Account to the your Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance balanc e in cash. If you fail to inform the merchant that you would w ould like to complete a split transaction prior to swiping sw iping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the transaction may b e preauthorized for an amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the merchant transaction may seek pre-authorisation be preauthorized for the purchase amount plus up to 20% or more to ensure there is are sufficient Card value available funds availabl e to cover tips or incidental expenses incurredexpensesincurred. Until A preauthorization w ill place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the finalpayment amount is received, the preauthorized amount on hold w ill be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to that part your Card value represented by the pre-authorised preauthorized amount. For You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make the purchase of that period there is item as planned, the approval may result in a “hold” on your Card value and it may take hold for that amount of funds for up to fifteen thirty (1530) days days. All transactions relating to car rentals may result in a hold for the hold to be removed or that amount of funds for up to sixty (60) days for car rental transactions. If you wish to make Internet, mail, or phone order purchases, you will need to go to xxx.xxxxxxxxxxxxxx.xxx and enter your address prior to performing an Internet, mail, or phone order transactiondays. If you use your Card details without number w ithout presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. You may not use your Card for online gambling or any illegal transaction. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card or Card details, you authorise us to reduce the Card value by the amount of the transaction. We may also deduct from the Card value any amount that you owe us including fees payable under this Agreement. You Account restrictions include but are not allowed limited to: restricted geographic or merchant locations w here there is a higher risk of fraud or illegal activity; restrictions to spend more than the Card value through an individual transaction comply w ith law s or a series of transactionsprevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may wemay, w ith or w ithout prior notice, limit the amount type, amount, or number of transactions you can make on your Card. You do may not have use your Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the right restrictions or add new ones at any time. Your Card cannot be redeemed for cash. Each time you use your Card, you authorize us to stop payment of any transaction effected by use reduce the available value of your Card or Card detailsAccount by the amount of the transac tion and any applicable fees. You may are not make preauthorised recurring or instalment payments from allow ed to exceed the available amount in your Card AccountAccount through an individual transaction or a series of transactions. If you authorise Nevertheless, if a transaction and then fail to make a purchase exceeds the available balance of that item as planned, there may be a “hold” funds on your Card value Card, you shall remain fully liable to us for the amount of the transaction for up to thirty (30) daysand any fees, if applicable.