Common use of Your Card Clause in Contracts

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (including sub-accounts). When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Mark. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (including sub-accounts). When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance MarkXxxx. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, verify and record information that identifies each person who opens an account (including sub-sub accounts). When What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Mark. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, codes or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Companion/ Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, verify and record information that identifies each person who opens an account (including sub-sub accounts). When What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Marksame card network name/logo as noted on your Card. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, codes or numbers used to access the Card Account account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Companion/ Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below)) Secondary or Companion Card. You may request an additional Card for use by another person who is an Authorized User. You are liable for all transactions made with the Card or Card number by your Authorized Users. You are responsible for all transactions and fees incurred by you or any Authorized Users. You are wholly responsible for the use of each Card according to the terms of this Agreement.

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, verify and record information that identifies each person who opens an account (including sub-sub accounts). When What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Marksame card network name/logo as noted on your Card. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, codes or numbers used to access the Card Account account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Companion/ Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).

Your Card. Please sign the Card immediately after you receive it. The Card is Transaction Limits. Transaction limits, including, without limitation, on cash valid during the dates provided on the front. We may replace your Card with advances at an ATM, may be imposed for security reasons by us or ATM owners. another card at any time. You agree to take reasonable steps to prevent the Notice Regarding ATM Fees by Others. When you use an ATM not owned by unauthorized use of your Card and Account. Each Card issued on your Account is us, you may be charged a fee by the ATM operator of any network used to our property, and you agree to return it to us or destroy it upon our request. Use of complete the transaction. You may be charged a fee for a balance inquiry even if your Card is subject to the terms of the Visa Core Rules and Visa Product and you do not complete a funds transfer. Any such fees must be displayed at the ATM Service Rules, as those rules may be revised from time to time. or point of sale terminal location. Using Your Card. You can purchase or lease goods and services from any PAYMENTS AND FEES merchant who honors your Card, and you may obtain cash advances from any Billing Statements. You will receive a billing statement in the mail each month Golden 1 branch or other financial institution or Automated Teller Machine ("ATM") there is a balance on your Account. You may receive your billing statements that accepts the Card, up to your allowable limit. You agree not to present your electronically by enrolling in Visa Online Statements by signing on to your online Card or obtain a cash advance for any extension of credit in excess of your account at xxx.xxxxxx0.xxx. Your billing statement will provide instructions for available credit limit; however, if you do exceed your credit limit, you agree to make making payments, including the amounts due and the due date for receiving your immediate payment sufficient to bring the balance below the credit limit. Certain payment. If applicable, your billing statement will show your minimum payment purchases and cash advances require authorization prior to completion of the amount, which includes any past due amounts. Your payment due date is typically transaction. In some cases, you may be asked to provide identification. If our the same day of the month every month. You may request a change to your system is not working, we may not be able to authorize a transaction, even though monthly due date. you have sufficient credit available. Also, for security reasons, we may block the Minimum Monthly Payments. To avoid a late payment fee, you must pay us at use of your Card in certain countries or geographic areas. We will have no liability least the minimum payment amount within 15 days after the date and time to you or others if any of these events occur. provided in the billing statement. The monthly minimum payment will equal 2% of Credit Limit. Your credit limit is disclosed to you when you open your Account and the balance on the date the billing cycle closes or $10.00, whichever is greater. If on each monthly billing statement. Purchases will not be authorized if they exceed the balance is less than $10.00, your minimum payment will equal that amount. your available credit limit. Your Account balance may exceed your credit limit due You also agree to pay any amount which is past due or over your credit limit. In to interest and/or fees that are imposed on your Account. addition to the minimum payment due, you may pay all or any part of the entire You must pay the excess amount immediately. You are responsible for the total outstanding balance on your Account at any time. You can pay down balances balance at all times, even if your balance exceeds your credit limit. We may faster by paying more than the minimum payment on your Account. change your credit limit at any time. If we accept a payment from you in excess of Application of Payments. We will apply your payments first to finance charges, general, interest charges begin to accrue from the date of transaction or the date then to late fees (if any), and then to the principal balance. All payments in excess the transaction posts to your Account. Interest charges accrue on every unpaid of the minimum monthly payment will be applied first to the balance with the amount until it is paid in full. Interest will be assessed on fees and penalties. highest interest rate, and then to each successive balance with the next highest Unless otherwise stated, we will charge interest starting on the transaction date for interest rate, until the payment is exhausted. all cash advances and balance transfers. Transaction fees are also included in the Method of Payment. You may pay by check using the remittance coupon on your calculation of interest charges. If any interest charge is due and not paid, it will be billing statement, by automatic payment from your Golden 1 checking account, by added to the principal and thereafter bear interest as the principal. automatic payment from an account with another financial institution, or online by Grace Period on Purchases Only: You can avoid interest charges on purchases signing in to your Online Banking account at xxx.xxxxxx0.xxx. You may also pay by paying the entire statement balance for purchases each month by the date on in person at any Golden 1 branch. Payments received in person by an employee which the payment is due. Otherwise, the balance for purchases on your Account, at a Golden 1 branch no later than close of business on any business day will be and subsequent advances from the date they are posted to the Account, will be credited to your Account effective on that day. Payments received after the close subject to an interest charge. You cannot avoid interest charges on cash of business on any business day will be credited on the next business day. We do advances, balance transfers and transaction fees; even if you pay the entire cash not accept cash payments through the mail. All payments are subject to verification advance balance or balance transfer balance by the payment due date, you will and collection by Golden 1. We may accept and process any payments marked incur the interest charges accrued from the date the cash advance or balance “paid in full” without losing our rights. All payments must be in U.S. Dollars. transfer is posted to your Account. As long as you make your payment in accordance with the instructions in your CANCELLED, LOST OR STOLEN CARDS billing statement by the date and time it is due, we will generally credit the payment Termination; Change-in-Terms. We may, by written notice, terminate, cancel, or to your Account as of the day it is received. If you do not follow our payment revoke your Account, suspend your ability to make charges or cancel any feature instructions, we may not accept your payment or there may be a delay in crediting of your Account or your Card at any time, subject to applicable law, even if you are your Account. not in default. You may terminate your Account by written notice. Termination by Late or Partial Payments. Any payment that delays the reduction of your balance either party shall not affect your obligation to repay any balance on your Account will increase your total interest costs. Partial payments or prepayments will not resulting from use of the Card as well as interest charges and fees incurred. We delay your next scheduled payment - you will still need to make the minimum may change the terms of this Agreement. The Card is non-transferable and may be used only , including the method of calculating the scheduled payment by the Cardholder next scheduled due date to keep your Account current. periodic rate, at any time, by written notice, subject to applicable law. Use or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST ISWe may accept late payments, OR WILL BEpartial payments, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with checks or money orders marked activation of the Card constitutes agreement and acceptance of any change in "payment in full" and such action shall not constitute final settlement of your terms, unless applicable law requires otherwise. Our failure to exercise any of our Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender a waiver or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (including sub-accounts). When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Mark. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us forgiveness of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of amounts owing under this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Secondary Card rights or to take any action shall not constitute a bank account; and (iv) pay for purchases from merchants that accept waiver of those rights, or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).an

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-SUB- ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, verify and record information that identifies each person who opens an account (including sub-sub accounts). When What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Marksame card network name/logo as noted on your Card. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).;

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-SUB- ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, verify and record information that identifies each person who opens an account (including sub-sub accounts). When What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards Cards, are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Marksame card network name/logo as noted on your Card. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites web sites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).;

Your Card. The Only one (1) active Card is subject to all of the terms of this Agreementmay be issued per person. The Card is non-transferable by you and may be used only by the Cardholder or an Authorized Usera person you authorize. THE CARD INTEREST WILL NOT BE PAID TO YOU FOR ANY VALUE LOADED ON YOUR CARD. THERE IS NOT A NO CREDIT CARD. NO INTEREST IS, CREDIT LINE, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNTOVERDRAFT PROTECTION ASSOCIATED WITH YOUR CARD. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued The funds in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for are insured in the possession, use and control name of the Primary Holder to the maximum provided by the FDIC through a custodial account maintained and tracked by the Bank. This FDIC insurance limit applies to the entire Card Account, and is not provided on a Card-by-Card basis. We may refuse to issue any Card for any reason in our discretion, subject to applicable law. Your Temporary Card. You must surrender or destroy may use your Temporary Card in the same manner as your Personalized Card. Your Card immediately upon will be issued with a default Personal Identification Number (“PIN”). You may choose to change your PIN by using our request. The Card is nonAutomated Customer Service Phone line (interactive voice response) at 1- 888-transferable and may be used only by youSYNOVUS (796-6887), selecting the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verifyPREPAID option, and record information that identifies each person who opens an account (including sub-accounts)following the prompts to change your PIN. Note: You will need your default PIN to make this change. Activating Your Personalized Card or Companion Card. After you have received your Temporary Card, we will issue and mail a Personalized Card to you. When you open an accountreceive your Personalized Card, we you must activate it before you can use it. You may activate your Personalized Card online or by phone at the telephone number or website address on the sticker on the Personalized Temporary Card will ask be automatically transferred to your Personalized Card and you will no longer be able to use your Temporary Card. The PIN for your nameTemporary Card will be transferred to your Personalized Card automatically. You may change your PIN at any time by either (1) using our Automated Customer Service Phone line (which uses an interactive voice response system) which is available by calling 1-888- SYNOVUS (796-6887), address, date of birthselecting the option for PREPAID, and other information that following the prompts; or (2) going to xxx.xxxxxxxxxxxxxxxxxx.xxx, registering your Card, and following the prompts. Companion Cards will allow us to identify you. We be Personalized Cards and must be activated in the same way as any Personalized Card, but each Companion Cardholder must choose a PIN for use with each Companion Card, which the Companion Cardholder also may also ask to see your driver’s license or other identifying documentsdo with our Automated Customer Service Phone line at 0-000-XXXXXXX (796- 6887). Using Your Card. After you receive your Card you Cards may use it be used to purchase goods and services everywhere where Visa debit MasterCard Cards cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance MarkVisa and PLUS® name and/or logo. We reserve the right, however, to block use of any Card in limited foreign countries due to fraud or similar concerns. If you plan to use the Card in a foreign country and want to know if the Card would be blocked, you may contact us at 0-000-XXXXXXX (796-6887). Each time you use the Card or Card information to purchase goods or services, or a Companion Cardholder uses the Companion Card or related information, you authorize us to charge the amount against your the Card’s available value. We may refuse to process any transaction that we believe may violate the law or the terms of this Agreement. You agree that you will: (i) not use the Card at unlawful domestic or international gambling websites web sites, or at payment processors supporting unlawful gambling web sites, or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers PIN used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreementinstructed. You may agree not to use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits allow others to your Card (as detailed below in Adding Value to Your use an expired, revoked, canceled, suspended or otherwise invalid Card); (iii) transfer funds between your Card and a Companion/Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (including sub-accounts). When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Mastercard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Mastercard Acceptance Mark. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, or numbers used to access the Card Account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).

Your Card. The Card is subject to all of the terms of this Agreement. The Card is non-transferable and may be used only by the Cardholder or an Authorized User. THE CARD IS NOT A CREDIT CARD. NO INTEREST IS, OR WILL BE, PAID ON THE BALANCE OF THE CARD ACCOUNT OR ANY SUB-ACCOUNT. DEPENDENT UPON THE DEPOSIT METHOD(S) YOU CHOOSE, FEES MAY BE IMPOSED IN CONNECTION WITH DEPOSITS. YOU AGREE TO PAY ALL FEES CHARGED IN ACCORDANCE WITH THIS AGREEMENT. Each Card issued in connection with the Card Account or any sub-account is and will remain bank property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender or destroy the Card immediately upon our request. The Card is non-transferable and may be used only by you, the Cardholder. The Card may not be used for illegal purposes. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, verify and record information that identifies each person who opens an account (including sub-sub accounts). When What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit MasterCard Cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard Acceptance Marksame card network name/logo as noted on your Card. Each time you use the Card to purchase goods or services, you authorize us to charge the amount against your Card’s available value. You agree that you will: (i) not use the Card at gambling websites web sites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, codes, codes or numbers used to access the Card Account account information or Card funds; and (iv) use the Card only as instructed by us. We may refuse to process any transaction that we believe violates the terms of this Agreement. You may use the Card to: (i) withdraw cash from automated teller machines (ATMs) or cash machines; (ii) make deposits to your Card (as detailed below in Adding Value to Your Card); (iii) transfer funds between your Card and a Companion/Companion/ Secondary Card or to a bank account; and (iv) pay for purchases from merchants that accept or display the network card brand (name and/or logo) that appears on your Card, such as point-of-sale ("POS") purchases. There are limitations on cash withdrawals and daily purchases (See Cash Withdrawal Limitations and Purchase Limitations below).