Common use of Using Your Card/Features Clause in Contracts

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 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 Mastercard®, Maestro®, Accel®, 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. Some merchants do not allow Cardholders to conduct split transactions for which the Card is used as partial payment for goods and services and 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 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 may be declined. 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 item as planned, the approval may result in a hold for that amount of 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. If you use the Card number without presenting the Card (such as for 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 limit the amount or number of transactions you can make on the Card. You may not use the Card for illegal gambling or 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 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 to 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 a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to use of the optional Account Guard feature, 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 a ten-dollar ($10.00) negative 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 value of your Card is restricted to $15,000.009,999.99. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (SignatureSignature & PIN) 4 No limit to the number of times per rolling 24 hour periodday, $5,000.00 per transaction, up to $2,525.00 5,000.00 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 day Card to Card Transfer 2 (outgoing) No limit to the number of times per rolling 24 hour periodday, up to $2,500.00 500.00 per rolling 24 hour period transaction, maximum of $2,000.00 per month (past 30 days) You may use your 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 Mastercard®, Maestro®, Accel®, Debit Mastercard 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. Some merchants do not allow Cardholders cardholders to conduct split transactions for which where you would use 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 funds available on the Card Account funds 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 transactiontransaction prior to swiping your Card, the transaction may your Card is likely to be declined. 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 item as planned, the approval may result in a hold for that amount of 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. If you use the your Card number without presenting the 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. 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 may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the your Card. You may not use the 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 the your Card, you authorize us to reduce the available value of the your Card Account by the amount of the transaction and any applicable fees. Except as may be permitted from time to time in accordance with the optional Account Guard feature, described in more detail in the following section, Cardholders You are not permitted allowed to use the Card to purchase or lease goods or services in amounts in excess of exceed the available funds amount in the your Card Account balance whether made through an individual transaction or a series of transactions. If Nevertheless, if a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to use of the optional Account Guard feature, 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 a ten-dollar ($10.00) negative 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 Accounton your Card, you are shall remain 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 processorapplicable.

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 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 Mastercard®, Maestro®, Accel®, 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. Some merchants do not allow Cardholders to conduct split transactions for which the Card is used as partial payment for goods and services and 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 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 may be declined. 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 item as planned, the approval may result in a hold for that amount of 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. If you use the Card number without presenting the Card (such as for 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, 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 limit the amount or number of transactions you can make on the Card. You may not use the Card for illegal gambling or 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 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 to 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 a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to the use of the optional Account Guard feature, 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 create creates up to a ten-dollar ($10.00) negative 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, first or any subsequent value loads (including any value load that is attributable to the favorable resolution of a dispute 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 $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 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 Mastercard®, Maestro®, Accel®, 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. Some merchants do not allow Cardholders to conduct split transactions for which the Card is used as partial payment for goods and services and 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 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 may be declined. 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 item as planned, the approval may result in a hold for that amount of 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. If you use the Card number without presenting the Card (such as for 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, 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 limit the amount or number of transactions you can make on the Card. You may not use the Card for illegal gambling or 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 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 to 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 a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to the use of the optional Account Guard feature, 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 create creates up to a ten-dollar ($10.00) negative 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, first or any subsequent value loads (including any value load that is attributable to the favorable resolution of a dispute 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 $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 Mastercard®, Maestro®, Accel®, 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. Some merchants do not allow Cardholders to conduct split transactions for which the Card is used as partial payment for goods and services and 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 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 may be declined. 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 item as planned, the approval may result in a hold for that amount of 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. If you use the Card number without presenting the Card (such as for 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, 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 limit the amount or number of transactions you can make on the Card. You may not use the Card for illegal gambling or 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 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 to 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 a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to the use of the optional Account Guard feature, 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 create creates up to a ten-dollar ($10.00) negative 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, first or any subsequent value loads (including any value load that is attributable to the favorable resolution of a dispute 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 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) 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 $15,000.009,999.99. These are the maximum amounts that can be spent on your Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (SignatureSignature & PIN) 4 No limit to the number of times per rolling 24 hour periodday, $5,000.00 per transaction, up to $2,525.00 5,000.00 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 day Card to Card Transfer 2 (outgoing) No limit to the number of times per rolling 24 hour periodday, up to $2,500.00 500.00 per rolling 24 hour period transaction, maximum of $2,000.00 per month (past 30 days) You may use your 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 Mastercard®, Maestro®, Accel®, Visa debit 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. Some merchants do not allow Cardholders cardholders to conduct split transactions for which where you would use 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 funds available on the Card Account funds 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 transactiontransaction prior to swiping your Card, the transaction may your Card is likely to be declined. 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 item as planned, the approval may result in a hold for that amount of 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. If you use the your Card number without presenting the 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. 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 may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the your Card. You may not use the 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 the your Card, you authorize us to reduce the available value of the your Card Account by the amount of the transaction and any applicable fees. Except as may be permitted from time to time in accordance with the optional Account Guard feature, described in more detail in the following section, Cardholders You are not permitted allowed to use the Card to purchase or lease goods or services in amounts in excess of exceed the available funds amount in the your Card Account balance whether made through an individual transaction or a series of transactions. If Nevertheless, if a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to use of the optional Account Guard feature, 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 a ten-dollar ($10.00) negative 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 Accounton your Card, you are shall remain 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 processorapplicable.

Using Your Card/Features. The maximum value of You may use 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 Mastercard®, Maestro®, Accel®, Visa cards are accepted as long as you do not exceed the available Card value of on your Card Account and other restrictions Account. Your Card cannot be used at an automated fuel dispenser (see examples described below) do not apply“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 for which where you would use 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 funds available on the Card Account funds 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 transactiontransaction prior to swiping your Card, the transaction may your Card is likely to be declined. You do not have (15) days for the right hold to stop payment on any purchase be removed or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of 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) daysdays 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 the your Card number details without presenting the 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 Account restrictions includefor 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, but 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 limited to: restricted geographic allowed to spend more than the Card value through an individual transaction or merchant locations where there is a higher risk series of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other lossestransactions. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the Cardright to stop payment of any transaction effected by use of your Card or Card details. You may not use the make preauthorised recurring or instalment payments from your Card for illegal gambling or any illegal transactionAccount. 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 If you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the authorise a transaction and any applicable fees. Except then fail to make a purchase of that item as planned, there may be permitted from 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 a “hold” on your Card to 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 a transaction occurs which exceeds the amount of available funds in the Card Account balance, whether or not due to use of the optional Account Guard feature, the Cardholder remains fully liable value 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 a ten-dollar thirty ($10.0030) negative 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 processordays.