important- please read carefully - netspend...opening a card account (identification verification)...

NSPremierVisaBofI08June15Page1of27

IMPORTANT-PLEASEREADCAREFULLYSEEFEESCHEDULEONPAGE25FORTHEFEESASSOCIATEDWITHTHEUSEOFTHISCARDACCOUNT.THISCARDMUSTBESUCCESSFULLYACTIVATEDANDREGISTEREDINORDERTOBEUSED.FORDETAILS,SEETHE“ACTIVATION/REGISTRATION”TERMSBELOW.FORQUESTIONSORASSISTANCE,PLEASECALLTHECUSTOMERSERVICETELEPHONENUMBER(1-86-NETSPEND/1-866-387-7363)PRINTEDONTHEBACKOFYOURNETSPEND®VISA®PREPAIDCARD.TABLEOFCONTENTSINTRODUCTION(INCLUDINGDEFINITIONS) OPENINGACARDACCOUNT(IDENTIFICATIONVERIFICATION) BUSINESSDAYSADDRESSORNAMECHANGESAUTHORIZEDUSERS SECONDARYCARDHOLDER ACTIVATION/REGISTRATIONPERSONALIDENTIFICATIONNUMBERCASHACCESS LOADINGYOURCARDACCOUNTUSINGYOURCARDANDVIRTUALACCOUNT/LIMITATIONSVIRTUALACCOUNTPURCHASECUSHIONANDOPTIONALOVERDRAFTPROTECTIONPREAUTHORIZEDDEBITSANDCREDITS FRAUDULENTORCRIMINALCARDACCOUNTANDVIRTUALACCOUNTACTIVITYRETURNSANDREFUNDSCARDREPLACEMENTTRANSACTIONSMADEINFOREIGNCURRENCIESAND/ORFOREIGNCOUNTRIES RECEIPTSCARDACCOUNTBALANCE/PERIODICSTATEMENTSCONFIDENTIALITYOURLIABILITYFORFAILURETOCOMPLETETRANSACTIONSINFORMATIONABOUTYOURRIGHTTODISPUTEERRORSLOSTORSTOLENCARDS/UNAUTHORIZEDTRANSFERSMISCELLANEOUSAMENDMENTANDCANCELLATION ELECTRONICCOMMUNICATIONSCUSTOMERSERVICETELEPHONEMONITORING/RECORDINGNOWARRANTYREGARDINGGOODSANDSERVICES ARBITRATIONFEESCHEDULE


INTRODUCTIONTermsandConditions/DefinitionsfortheNetSpendVisaPrepaidCardThis document constitutes the agreement (“Agreement”) outlining the terms andconditionsunderwhichtheNetSpendVisaPrepaidCardandtheNetSpendVisaVirtualAccounthavebeenissuedbyBofIFederalBank,SanDiego,California(“BofIFederalBank”or“Issuer”).TheIssuerisanFDICinsuredmemberinstitution.“CardAccount”meanstherecords wemaintain to account for the transactionsmade with your Card or VirtualAccount.“AccountNumber”meansthe10-or16-digitnumberusedtoidentifyyourCardAccount. “Card”meanstheNetSpendVisaPrepaidCardissuedtoyoubyBofIFederalBank.“CardNumber”isthe16-digitnumberembossedonyourCard.“VirtualAccount”meansatemporaryaccessdeviceissuedtoyoubyBofIFederalBankthatyoumayelectto obtain to access your Card Account for telephone or online transactions, withoutneedingtopresentyourCard.“We,”“us,”and“our”meantheIssuer,oursuccessors,affiliatesorassignees.“NetSpend”referstoNetSpendCorporation,theservicerfortheNetSpendVisaPrepaidCardprogramandNetSpendVisaVirtualAccountprogram,anditssuccessors, affiliates, or assignees. Any request for a Card or Virtual Account will beprocessedbyNetSpend,actingonbehalfof the Issuer,at itsoffices located inAustin,Texas.NetSpend isaregisteredagentofthe Issuer. “You,”“your,”“Cardholder,”and“PrimaryCardholder,”referstothepersonwhosubmitsaninitialrequestfortheCardand is authorized to use the Card as provided for in this Agreement. “SecondaryCardholder”referstothepersonorpersonswhohavereceivedtheCardattherequestof the Primary Cardholder and are authorized to use the Card as provided for in thisAgreement.InordertobecomeaCardholder,youmustbeanindividualwhocanlawfullyenterintoandformcontractsunderapplicablelawinthestateinwhichyoureside.Unlessitwouldbeinconsistenttodoso,wordsandphrasesusedinthisAgreementshouldbeconstruedsothatthesingularincludesthepluralandthepluralincludesthesingular.YouacknowledgeandagreethatthevalueavailableinyourCardAccountislimitedtothefundsthatyouhaveloadedintoyourCardAccountorhavebeenloadedintoyourCardAccount on your behalf. By accepting and using your Card, Card Account, or VirtualAccount,youagreetobeboundbythetermsandconditionscontainedinthisAgreement.YouandanySecondaryCardholder(s)agreetosignthebackofeachrespectiveCard(s)immediatelyuponreceipt.TheexpirationdateofyourCardisidentifiedonthefrontoftheCard.Theexpirationdateof any Virtual Account you have requested is described below in the section labeled“VirtualAccount.”TheCardisaprepaidcard.TheCardisnotagiftcard,norisitintendedtobeusedforgiftingpurposes.TheCardisnotacreditcard.TheCardisnotforresale.YouarethedirectbeneficiaryofthefundsloadedtoyourCardAccount. ThefundsinyourCardAccountwillbeFDICinsureduponreceiptbytheIssuer,providedyourCardisregistered with us (for more information, see the section labeled“Activation/Registration”).YouwillnotreceiveanyinterestonyourfundsinyourCardAccount.TheCardwillremainthepropertyoftheIssuerandmustbesurrenderedupon


demand. The Card and Virtual Account are nontransferable and may be canceled,repossessed,orrevokedatanytimewithoutpriornoticesubjecttoapplicablelaw.TheCardandVirtualAccountarenotdesignedforbusinessuse,andwemaycloseyourCardAccountifwedeterminethatitisbeingusedforbusinesspurposes.Wemayrefusetoprocess any transaction that we believemay violate the terms of this Agreement orapplicablelaw.YourCardAccountdoesnotconstituteacheckingorsavingsaccountandisnotconnectedin anyway to any other account, except as described in the section labeled “VirtualAccount”orasmayotherwisebeindicatedinanyotheraccountagreementsyouhaveenteredintowithus.WritedownyourCardNumberandtheCustomerServicephonenumberprovidedinthisAgreementonaseparatepieceofpaperincaseyourCardislost,stolen,ordestroyed.Keepthepaperinasafeplace.PleasereadthisAgreementcarefullyandkeepitforfuturereference.OPENINGACARDACCOUNT(IDENTIFICATIONVERIFICATION)Tohelpthegovernmentfightthefundingofterrorismandmoneylaunderingactivities,theUSAPATRIOTAct,aFederallaw,requiresallfinancialinstitutionstoobtain,verify,andrecordinformationthatidentifieseachpersonwhoopensaCardAccount.Whatthismeansforyou:WhenyouopenaCardAccount,wewillaskforyourname,address,dateofbirth,andotherinformationthatwillallowustoidentifyyou.Wemayalso ask to see your driver’s license or other identifying documents. The sameidentificationverificationrequirementsapplytoeachSecondaryCardholder, ifanyaredesignatedbyyou.BUSINESSDAYSOurbusinessdaysareMondaythroughFriday,excludingfederalholidays,evenifweareopen. Any references to “days” found in this Agreement are calendar days unlessindicatedotherwise.ADDRESSORNAMECHANGESYouareresponsiblefornotifyingusofanychangeinyourphysicaladdress,mailingaddress,emailaddress,textmessageaddress,oryourname,nolaterthantwo(2)weeksaftersaidchange.AnynoticeofchangeofaddressornamerequiredbythisAgreementmaybeprovidedtousviaemailatcustomerservice@netspend.com,bytelephoneat1-86-NETSPEND/1-866-387-7363,orbymailto:NetSpend,P.O.Box2136,Austin,TX78768-2136.


Wewillattempttocommunicatewithyouonlybyuseofthemostrecentcontactinformationyouhaveprovidedtous.Youagreethatanynoticeorcommunicationsenttoyouatanaddressnotedinourrecordsshallbeeffectiveunlesswehavereceivedanaddresschangenoticefromyou.AUTHORIZEDUSERSYouareresponsibleforallauthorizedtransactionsinitiatedandfeesincurredbyuseofyourCardAccount. IfyoupermitanotherpersontohaveaccesstoyourCard,VirtualAccount,CardNumberorPersonalIdentificationNumber(“PIN”),wewilltreatthisasifyouhaveauthorizedsuchuseandyouwillbeliableforalltransactionsandfeesincurredbythosepersons.YoumustnotifyustorevokepermissionforanypersonyoupreviouslyauthorizedtouseyourCard,VirtualAccount,CardNumberorPIN. Ifyounotifyustocancelanotherperson’suseofyourCard,VirtualAccount,CardNumberorPIN,wemaycloseyourCardAccountandissueanewCardtoyouwithadifferentnumber.YouarewhollyresponsiblefortheuseoftheCardAccountaccordingtothetermsandconditionsofthisAgreement.SECONDARYCARDHOLDERYoumayrequestanadditionalCardforaSecondaryCardholder.ThereisanAdditionalCard Feeof $9.95 for anadditionalCard for a SecondaryCardholder. For informationabout the fee, see the section labeled “FeeSchedule.” Themaximumnumberof suchadditionalCardsistwo(2).YoumustnotifyustorevokepermissionforanySecondaryCardholder youpreviously authorized touse theCard. If younotify us to revoke theSecondaryCardholder’suseoftheCard,wemaycloseyourCardAccountandissueanewCard to you with a different number. You remain liable for any and all use of anyadditionalCard(s)youauthorize.ACTIVATION/REGISTRATIONBoththePrimaryCardholderandSecondaryCardholdermustactivateandregisteraCardbefore it can be used. Your Card Accountmay not have full functionality (e.g., noAutomated Teller Machine (“ATM”) access, no international transactions, and noAccount-to-Account transfers), nor will you be able to access Card Account fundsexceedingthedollarvalueestablishedbyeitherfederalregulationsand/ortheIssuer(the“ExcessFunds”)orreloadyourCardAccountuntilyourCardhasbeensuccessfullyregistered. YoumayactivateandregisteryourCardbycalling1-86-NETSPEND/1-866-387-7363 or by visiting www.netspend.com. You will need to provide personalinformation in order for us to verify your identity and the identity of any SecondaryCardholder.Ifwecannotsuccessfullycompletetheactivation/registrationprocess,youwillbeentitledtoreceiptofanyExcessFundsremainingintheCardAccountbywayofacheck,forwhichtheCheckRequestFee,disclosedinthesectionlabeled,“FeeSchedule,”


willbewaived.Wemay,fromtime-to-timeofferotherno-costmethodsthroughwhichExcessFundscanbemadeavailabletoyou.PERSONALIDENTIFICATIONNUMBERYouwillreceiveaPINonceyouhaveregisteredyourCardwithyourpersonalinformation.A PIN canbeused toobtain cash (see the section labeled “CashAccess”) or tomakepurchases at any Point-of-Sale (“POS”) device that bears the Visa®, Plus®, or PULSE®AcceptanceMark.YoushouldnotwriteorkeepyourPINwithyourCard.NevershareyourPINwithanyone.WhenenteringyourPIN,besureitcannotbeobservedbyothersanddonotenteryourPINintoanyterminalthatappearstobemodifiedorsuspicious.Ifyou believe that anyone has gained unauthorized access to your PIN, including aSecondaryCardholder, you shouldadviseus immediatelyby following theproceduresdescribedinthesectionlabeled“YourLiabilityforUnauthorizedTransfers.”ToregisteryourCard,seethesectionlabeled“Activation/Registration.”CASHACCESS

WithyourPIN,youmayuseyourCardtoobtaincashfromanyATMoranyPOSdevice,aspermissiblebyaMerchant,bearingtheVisa®,Plus®,orPULSE®AcceptanceMark.ATMtransactionsaretreatedascashwithdrawaltransactions.AnycashwithdrawnfromanATMterminal,POSdeviceorthroughaparticipatingbankorNetSpendReloadNetworklocation(an“Over-the-CounterCashWithdrawal”)willbesubjecttothelimitationssetforthinthesectionbelowlabeled“UsingYourCardandVirtualAccount/Limitations”).ATMwithdrawalsmayalsobesubjecttovaryingdailylimitsattheATMowner’sdiscretion.AfeemaybeassociatedwiththeuseofyourCardtoobtaincash.Forinformationaboutthefee,seethesectionlabeled“FeeSchedule.”LOADINGYOURCARDACCOUNTYou may add funds to your Card Account, called “value loading,” at any time. TheminimumrequiredamountofyourinitialvalueloadwillbedeterminedbythelocationwhereyoupurchasetheCard,nottoexceed$20.00.Theminimumdollarvalueofanysubsequentvalueloadswillbesubjecttothetermsestablishedbytheindividualreloadlocation(see(a)inthefollowingparagraph).Themaximumcumulativeamountofvalueloads isdescribedinthe“Limitationsondollaramountsoftransfers”paragraphofthesectionlabeled,“UsingYourCardandVirtualAccount/Limitations.”Whenwecalculatethemaximumamounts for value loads,we take into consideration all similar loadsmadewithanyotherCardAccount(s)youmayhavewithusorwithNetSpend,whetheryouareaPrimaryCardholderoraSecondaryCardholder,andregardlessofissuingbank.


Youmayvalue loadyourCardAccount: (a)using in-storecashvalue load transactionsconducted through anymember of the NetSpend Reload Network (see below in thissectionformoreinformationaboutthenetwork);(b)byarrangingtohavealloraportionofyourpaycheck,governmentbenefitspayment,taxrefundcheck,orotherelectronicfundstransferdirectdepositedtoyourCardAccountusingtheAutomatedClearingHouse(“ACH”)system(“ACHDeposit”).InordertoreceiveACHDepositvalueloadsyoumustprovideeachofyourpaymentproviderswithIssuer’sroutingnumberandyourassignedAccountNumber(seebelowfordetailsaboutroutinginformation);(c)byarrangingforthe transfer of funds originating from: (i) a financial institution located in the UnitedStates; (ii)anotherCardholder;and/or (iii)anotherCardAccount;and(d)viaamobilecheckloadnetworkmadeavailablethroughaneligiblethird-partyserviceprovider.Theremaybefeesassociatedwiththesemethodsofvalueloading.Forinformationaboutthefees,seethesectionlabeled“FeeSchedule.”OurpolicyistomakefundsloadedtoyourCardAccountavailabletoyouwithinone(1)hour from the time we receive the funds. Funds loaded by ACH or other applicableelectronic funds transfer methods will be available on or before the transaction orsettlementdate.AvailabilityoruseoffundsloadedtotheCardAccountmaybedelayedordeniedintheeventoftechnologymalfunctions,orpursuanttoourcompliancewithordischarge of legal or regulatory responsibilities, or as otherwise provided in thisAgreement.IMPORTANT:IfyouwishtoreceiveACHDepositstothisCardAccountfrom,forinstance,theemployerof anothermemberof yourhousehold, orU.S.Departmentof Treasurypayments(includingjointtaxrefunds),youmustaddaCardtothisCardAccountinthename of that household member. There is an Additional Card Fee of $9.95 for anadditional Card for a Secondary Cardholder. For information about the fee, see thesectionlabeled“FeeSchedule.”Personalchecks,cashiers’checks,andmoneyorderssenttotheIssuerarenotacceptableformsofvalueloading.AllchecksandmoneyorderssenttotheIssuerforCardAccountloadingwillbereturnedunlessyourCardAccounthasanegativebalanceatthetimesuchcheckormoneyorderisreceived,inwhichcasetheIssuermayinitsdiscretionchoosetoapplythecheckormoneyorderproceedstothenegativebalanceowed.A NetSpend Reload Network Location Finder service is available by visitingwww.loadnetspend.com;byenrolling inandusingourAnytimeAlerts™shortmessageservice(typicallyreferredtoasan“SMS”message);orbycalling1-86-NETSPEND/1-866-387-7363.TheremaybeafeeassociatedwithcallingCustomerService.Forinformationaboutthefee,seethesectionlabeled“FeeSchedule.”USINGYOURCARDANDVIRTUALACCOUNT/LIMITATIONS


CardAccountAccess:SubjecttothelimitationssetforthinthisAgreement,youmayuseyour Card to (1) withdraw cash from your Card Account (see section labeled “CashAccess”);(2)loadfundstoyourCardAccount(seethesectionlabeled“LoadingYourCardAccount”); (3) transfer funds between your CardAccountswhenever you request; (4)transferfundsfromyourCardAccounttoanotherNetSpendcardholderaccount(both(3)and(4)maybereferredtoasan“Account-to-AccountTransfer”);(5)purchaseorleasegoodsorserviceswhereverVisadebitcardsareaccepted;and(6)paybillsdirectlyfromyourCardAccountintheamountsandonthedaysyourequest.Someoftheseservicesmaynotbeavailableatallterminals.YoumayalsouseyourVirtualAccounttopurchaseorleasegoodsorservicesormakepaymentsbytelephoneoronline,withoutpresentingyourCard(seethesectionlabeled“VirtualAccount”).Theremaybefeesassociatedwithsomeofthesetransactions.Forinformationaboutthefees,seethesectionlabeled“FeeSchedule.”Limitationsonfrequencyoftransfers:Forsecurityreasons,wemaylimittheamountornumberoftransactionsyoucanmakewithyourCardorVirtualAccount.Limitationsondollaramountsoftransfers:(1)WhenusingaregisteredCard,youmaymakenomorethansix(6)ATMwithdrawalsina24-hourperiod(referredtoasa“Day”)andmaymakeatotalof$940.00inATMwithdrawalsduringaDaybutanindividualATMwithdrawalmay not exceed $325.00, subject to any lower limit imposed by theATMowner operator. (2) Any individual Over-the-Counter CashWithdrawal, PIN-based, orsignature-based purchase made with your Card or Virtual Account may not exceed$5,000.00. (3) Any transfers made through the use of third-party service providers(including,butnotlimitedtobillpaymentandmobilecheckloadserviceproviders)willbesubjecttothefrequencyanddollarvaluelimitsestablishedbytheprovider.Toseethe service provider’s terms of service agreement, please visit your online AccountCenter.(4)AnytransfersmadebetweenyourCardandathirdpartywillbesubjecttothefrequencyanddollarvaluelimitsestablishedinthetermsandconditionsoftheserviceyouselect.Toseetheservicesavailabletoyou,visityouronlineAccountCenter.(5)Themaximumcumulativeamountof value loadsmadeatPOS location(s)maynotexceed$7,500.00inaDayandmaynotexceed$15,000.00inathirty(30)Dayperiod.(6)ThemaximumvalueofyourCardAccount is restrictedto$15,000.00atanypoint in time.However,wewillreviewanyACHDepositsmadetoyourCardAccountthatmayresultin the value of your Card Account exceeding $15,000.00. If we determine the ACHtransactionisvalid,wemaypermitthemaximumvalueofyourCardAccounttoexceed$15,000.00.WewilldeterminethemaximumcumulativeamountofyourvalueloadsandofyourCardAccountbyaggregatingtheactivityandvalueofallCardAccountsyoumayhavewithusorwithNetSpend,whetheryouareaPrimaryCardholderoraSecondaryCardholder,regardlessofissuingbank.EachtimeyouuseyourCardorVirtualAccount,youauthorizeus toreducethevalueavailableinyourCardAccountbytheamountofthetransactionandanyapplicablefees.Youmaynotexceedtheavailableamount inyourCardAccount throughan individual


transaction or a series of transactions – unless we decide, in our sole discretion, toapprovesuchtransaction(s)becauseyouhavequalifiedfor(a)PurchaseCushioncoverageor (b) the Overdraft Protection Service. If you do not qualify for either the PurchaseCushionortheOverdraftProtectionService(eachdefinedinmoredetailbelow),andanytransaction(s)exceedsthebalanceofthefundsavailableinyourCardAccount,youshallremain fully liable to us for the amount of the transaction(s) and any applicabletransactionfee(s).Youagreetopayuspromptlyforthenegativebalance.IfyouhavenotaddedsufficientfundstoyourCardAccounttocoverthenegativebalancewithinsixty(60)daysofitscreation,wehavetherighttocancelyourCardAccount.Additionally,wehavetherighttopursuecollection,includingtherighttocollectfunds,equaltoorlessthanthenegativebalance,fromanyotherCardAccount(s)youmayhavewithus.Inallinstancesdescribedabove,loadstoyourCardAccountmaybemadeviadirectdepositoranyoftheotherloadmethodsdescribedinthisAgreement.If you do not have enough funds available in your Card Account, you can instruct amerchant,internetserviceorotherutilityprovider(“Merchant”)tochargeapartofthepurchasetotheCardandpaytheremainingamountwithcashoranothercard.Thesearecalled“splittransactions.”SomeMerchantsdonotallowcardholderstoconductsplittransactions. If you wish to conduct a split transaction and it is permitted by theMerchant,youmusttelltheMerchanttochargeonlytheexactamountoffundsavailablein yourCardAccount to theCard. Youmust thenarrange topay thedifferenceusinganother paymentmethod. SomeMerchantsmay require payment for the remainingbalanceincash.IfyoufailtoinformtheMerchantthatyouwouldliketocompleteasplittransactionpriortoswipingyourCard,yourCardislikelytobedeclined.IfyouuseyourCardatanautomatedfueldispenser(“payatthepump”),thepurchasemaybepreauthorizedforatransactionamountofupto$100.00,ormore.IfyourCardisdeclined,eventhoughyouhavesufficientfundsavailable,youshouldpayforyourpurchaseinsidewiththecashier.IfyouuseyourCardatarestaurant,ahotel,foracarrentalpurchase,orforsimilarpurchases,thepurchasemaybepreauthorizedforatransactionamountrepresentingthepurchaseamountplusupto20%moretoensuretherearesufficientfundsavailabletocovertipsorincidentalexpensesincurred.Anypreauthorizedamountwillresultintheplacementofa“hold”onyouravailablefundsuntiltheMerchanttellsusthefinalpaymentamountofyourpurchase.Onceweknowthefinalpaymentamount,thepreauthorizedamountonholdwillberemoved.IftheMerchantdoesnottellusthefinalpaymentamount,thepreauthorizedamountonholdwillremaininplaceforuptothirty(30)days.Duringaholdperiod,youwillnothaveaccesstothepreauthorizedamount.If youuse yourCardNumberwithoutpresenting yourCard (suchas for amail order,telephone,orInternetpurchase),thelegaleffectwillbethesameasifyouusedtheCarditself(seethesectionlabeled“VirtualAccount”foradditionalinformationabouthowtoobtainanduseaVirtualAccount).


YoumaynotuseyourCardNumberorthe Issuer’sroutingnumberandyourassignedAccount Number in connection with the creation and/or negotiation of any financialinstrumentssuchaschecks,whichwehavenotauthorized.YourCardcannotberedeemedforcash.YoumaynotuseyourCardorVirtualAccountforonlinegamblingoranyillegaltransaction.You do not have the right to stop payment on any purchase or payment transactionoriginatedbyuseofyourCardorVirtualAccount,exceptasotherwisepermittedinthisAgreement.Ifyouauthorizeatransactionandthenfailtomakeapurchaseofthatitemas planned, the approval may result in a hold (see the section labeled “Returns andRefunds,”inadditiontopreviousinformationaddressedinthissection). Non-VisaDebitTransactionsNewproceduresare ineffectthatmay impactyouwhenyouuseyourCardatcertainMerchant locations. In the past, transactions have been processed as Visa debittransactionsunlessyouenteredaPIN.Now,ifyoudonotenteraPIN,transactionsmaybeprocessedaseitheraVisadebittransactionorasaPULSEtransaction.MerchantsareresponsibleforandmustprovideyouwithaclearwayofchoosingtomakeaVisadebittransaction iftheysupporttheoption. Pleasebeadvisedthatshouldyouchoose touse thePULSEnetworkwhenmakinga transactionwithoutaPIN,differentterms may apply. Certain protections and rights applicable ONLY to Visa debittransactionsasdescribedinthisAgreementwillNOTapplytotransactionsprocessedonthePULSEnetwork.Pleaserefertothesectionlabeled“YourLiabilityforUnauthorizedTransfers”foradescriptionoftheserightsandprotectionsapplicabletoVisadebitandnon-Visadebittransactions.ToinitiateaVisadebittransactionatthePOS,swipeyourCardthroughthePOSterminal,signthereceipt,orprovideyourCardNumberforamailorder,telephone,or Internetpurchase.Toinitiateanon-VisadebittransactionatthePOS,enteryourPINatthePOSterminalorprovideyourCardNumberafterclearlyindicatingapreferencetorouteyourtransactionasanon-Visadebittransactionforcertainbillpayment,mailorder,telephone,orInternetpurchases.VIRTUALACCOUNTTopurchaseorleasegoodsorservicesormakepaymentsbytelephoneoronline,withoutneedingtoprovideyouractualCardNumber,youmayrequestuptosix(6)activeVirtualAccounts.EachVirtualAccountconsistsofa16-digitaccountnumber,a3-digitsecuritycode,andanexpirationdate.


EachVirtualAccountexpiresone(1)yearfromthelastdayofthecalendarmonthduringwhichtheVirtualAccountwascreated.Forexample, ifaVirtualAccount iscreatedonJune13,2015,itsexpirationdateisJune30,2016.WhenyouuseyourVirtualAccountwithoutpresentingyourCard,thelegaleffectwillbethesameasifyouusedtheCarditself.YoumustfirstregisteryourCardwithusbeforeyoucanrequestaVirtualAccount(seethesectionlabeled“Activation/Registration”).PURCHASECUSHIONANDOPTIONALOVERDRAFTPROTECTIONThefeaturesofthePurchaseCushionandtheoptionalOverdraftProtectionServicearedescribedbelow.IMPORTANT-ThePurchaseCushionandtheOverdraftProtectionServiceareSEPARATEfeatures.ACardholdermaynotreceivethebenefitsofthePurchaseCushionandtheOverdraftProtectionServiceatthesametime.(a)HowthePurchaseCushionWorks:ThePurchaseCushionisaspecialfeatureavailableexclusivelytoCardholderswhohavereceivedqualifyingdirectdepositsofpaychecksand/orgovernmentbenefitspaymentstotalingatleast$500.00withinone(1)calendarmonth.Asdescribedaboveinthesectionlabeled“UsingYourCardandVirtualAccount/Limitations,”yougenerallydonothavetherighttomaketransactionsor incurfeesinamountsexceedingtheavailablebalanceofyourCardAccount.WereservetherighttodenyanytransactionifavailablefundsinyourCardAccountareinsufficienttocoveranytransaction,fees,orothercharges.However,asanon-contractualcourtesy,andinoursolediscretion,uponqualifyingforthePurchaseCushion,wemayfromtime-to-timeapprovepurchasetransactionsthatyourequestthatcreateuptoa$10.00negativebalanceinyourCardAccount.WerefertothisfeatureasthePurchaseCushion.YouwillnotbeassessedanyfeesforPurchaseCushioncoverage.Ifyoumeetoureligibility requirements,wemayauthorizenegativebalancesresultingfrom PIN-based and signature-based transactions initiated using your Card or VirtualAccount. Bill pay transactions initiated through the PayAnyone bill pay service andAccount-to-Account Transfers are not eligible for Purchase Cushion coverage, nor areATMtransactionsorACHdebittransactionsinitiatedusingtheIssuer’sroutingnumberandyourassignedCardAccountnumber.Youmayreceiveonlyone(1)$10.00negativebalanceallowanceatatime.Negativebalancesareapprovedatourdiscretiononapertransactionbasis.ItisimportanttokeeptrackofthevalueinyourCardAccountbecauseitwillbeyourresponsibilitytodetermineifyouhaveincurredanegativebalance.


IfyoumakeatransactionthatcreatesanegativebalanceinyourCardAccount,youagreethat within thirty (30) days of its creation you will add sufficient funds to your CardAccounttocoverthenegativebalancesothatyourCardAccounthasazeroorpositivebalance,orthatyouwillotherwiseimmediatelypaysuchanamounttousinfullupondemand. If after thirty (30) days you have not added sufficient funds to cover yournegativebalance,yourCardAccountwillremainopentoreceivecreditsandloads,whichwillautomaticallybeappliedtoyournegativebalancebeforetheyareavailabletoyou;however,youwillnotbeabletomakeanytransactionsusingyourCardorVirtualAccountuntilyourCardAccounthasapositivebalance,i.e.,sufficientfundstocoverthenegativebalance.Further,wewillhavetherighttopursuecollection,includingtherighttocollectfunds,equaltoorlessthanthenegativebalance,fromanyotherCardAccount(s)youmayhavewithus.Inallinstancesdescribedabove,loadstoyourCardAccountmaybemadeviadirectdepositoranyoftheotherloadmethodsdescribedinthisAgreement.ShouldyouvoluntarilydiscontinueuseofyourCard,youshallremainresponsibleforthenegativebalanceinyourCardAccountandagreethatanycreditsorloadsmadetoyourCardwillbeusedtooffsetthevalueofthenegativebalance,ifany.Youacknowledge that anegativebalance in yourCardAccountdoesnot constitute acontractual open end line of credit. Ifwe permit a negative balance on one ormoreoccasions,wedonot therebyobligateourselves to permit a negative balanceon anyfutureoccasion,andwemayrefusetopayanegativebalanceforyouatanytime,eventhoughwemayhavepreviouslypaidnegativebalancesuptothe$10.00limitforyou.WehavenoobligationtonotifyyoubeforeweapproveordeclineatransactionthatwouldresultinanegativebalanceinyourCardAccount.Itemswillbeapprovedordeclinedintheordertheyarereceived.(b)HowtheOptionalOverdraftProtectionService(the“Service”)Works:You generally do not have the right to make transactions or incur fees in amountsexceedingthebalanceofyourCardAccount;however,asanon-contractualcourtesy,theServiceisavailableonyourCardAccountifyouelecttoparticipate(i.e.,opt-in)andyouhavemeteachoftheactivationandeligibilityrequirementsdescribedbelow.Intheeventyou qualify, and opt-in to the Service, we reserve the right to pay overdrafts at ourdiscretion,whichmeanswedonotguaranteethatwewillalwaysauthorizeandpayanytypeoftransaction.Ifwedonotauthorizethetransaction,itwillbedeclined.WemaydeactivateyouruseoftheServiceatanytime,includingifyouincurtoomanyoverdrafts.If you choose to participate in the Service, it is that program only that will providecoverage,atourdiscretion,foranynegativebalances.Ifyouopt-outoftheServiceoryour participation in the Service ends or is suspended for any reason, and you havecontinuouslyusedandmaintainedyourCardAccountinaccordancewiththetermsofthisAgreement,thePurchaseCushionfeaturemaybemadeavailabletoyouatourdiscretion.


This Service is Not Available for Certain California Unemployment CompensationBenefit,PublicAssistanceorState-AdministeredChildSupportPaymentRecipients.TheStateofCaliforniaprohibits therepaymentofanoverdraftonaprepaidCardAccountfromaCaliforniaunemploymentcompensationbenefitorpublicassistancepayment.IfyouarereceivingaCaliforniaunemploymentcompensationbenefitorapublicassistancepayment,youwillnotbeeligible toopt-in. if youareopted-in to theServiceandyoureceiveadirectdepositofaCaliforniaunemploymentcompensationbenefitorpublicassistance payment, the Servicewill be deactivated. To becomeeligible forOverdraftProtection, you must wait one hundred eighty (180) days since your last Californiaunemployment compensation benefit or public assistance payment, opt-in again, andmeetalloftheeligibilityrequirements.TheStateofCaliforniaprohibitstherepaymentofanoverdraftonaprepaidCardAccountfromachildsupportpaymentdisbursedbytheCaliforniaDepartmentofChildSupportServices. If you are receiving a child support payment disbursed by the CaliforniaDepartmentofChildSupportServices,youwillnotbeeligibletoopt-in.Ifyouareopted-intotheServiceandyoureceiveadirectdepositofachildsupportpaymentdisbursedbytheCaliforniaDepartmentofChildSupport,theServicewillbedeactivated.TobecomeeligibleforOverdraftProtection,youmustwaitonehundredeighty(180)dayssinceyourlast California child support payment, opt-in again, and meet all of the eligibilityrequirements.A.ActivationandEligibilityToactivatetheServiceonyourCardAccountyoumusttakeeachofthefollowingsteps:(1)consenttotheelectroniccommunicationsandprovideavalidemailaddresssothatwecancontactyouifyouoverdrawyourCardAccount(seethesectionlabeled“ElectronicCommunications”formoreinformation);(2)reviewandacceptthetermspertainingtotheService;(3)enrollintheService(i.e.,opt-in);(4)haveapositiveCardbalanceatthetimeofactivation;and(5)receiveACHDepositstotalingat least$400.00toyourCardAccountwithinthirty-five(35)daysofenrollment.TheServicewillbeactivatedonyourCardAccountwithintwenty-four(24)hoursafteryousatisfyeachofthestepsdescribedin this paragraph. ACH Deposits received prior to enrollment in the Service will beconsideredforthepurposeofdeterminingyoureligibilityforactivationofthecoverage.AfteractivationoftheService,youmustcontinuetoreceiveACHDepositstotalingatleast$200.00everythirty(30)days.IfyoufailtoreceiveACHDepositstotalingatleast$200.00everythirty(30)daysafteractivation,oryourCardAccounthasanegativebalanceformorethanthirty(30)days,orifyouoverusetheService,theServicewillbeimmediatelydeactivated.YourCardAccountwillremainopentoreceivecreditsandloadsthatwillautomaticallybeappliedtoyournegativebalancebeforetheyareavailabletoyou.IftheServiceisdeactivated,youmustretakeeachofthestepsdescribedinthisparagraphinordertoreactivatecoverage.IfyourCardAccounthasanegativebalanceformorethanthirty(30)daysonthree(3)separateoccasionsoronanyone(1)occasionformorethansixty(60)days,theService


willbepermanentlydeactivated.Further,wehavetherighttopursuecollectionofanyamountsowedatoursoleandabsolutediscretion.Wewill send you email notificationswhenever (a) a transaction results in a negativebalance in your Card Account; (b) an Overdraft Protection Service Fee is assessed (ifapplicable) (see Section B, below, for details about the fee), and (c) the Service isactivatedordeactivatedforyourCardAccount.IfyoudeleteyouremailaddressfromourCardholderrecordsorwithdrawyourconsenttoreceiveelectroniccommunicationsfromus,theServicewillbeimmediatelydeactivated.Wecannotacceptresponsibilityforanyemailmessagesnotreceivedbyyou,orforanydelayinthereceiptordeliveryofanyemailnotifications.Ifyoumakeyouremailaddressavailabletoanyotherindividual,youagreethatyouareresponsibleforanyreleaseofanyCardAccountinformationtosuchindividual.Itisyoursoleresponsibilitytoensurethattheemailaddressyouprovidetous is current and accurate. We are not responsible for loss of messages and otherconsequencesifyoudonotprovideanaccurateandcurrentemailaddress.B.TermsofUseYourparticipationintheServiceissubjecttothetermsofthisAgreementandyoumayincurfees.ThefeesfortheServicearedescribedhere,andinthesectionlabeled“FeeSchedule.”TheOverdraftProtectionServiceFee(ifapplicable)isappliedtocertaintransactionsdescribedbelowthatresultinanegativebalance(“Overdraft(s)”)andisinadditiontoanyotherfeesordinarilyapplicabletoatransaction.TheOverdraftProtectionServiceFeeis$15.00foreachtransactionthatoverdrawsyourCardAccountbymorethan $10.00, up to a maximum of three (3) Overdraft Protection Service Fees percalendarmonth.MultipleOverdraftProtectionServiceFeesmaybechargedifmultipleoverdraft transactions are approved on the same day. Transactions are not alwaysprocessedintheorderinwhichyoumakethem.TheorderinwhichthetransactionsarereceivedandprocessedcanaffectthebalanceoffundsavailableonyourCardAccountand the total amount of Overdraft Protection Service Fees assessed to youraccount.Transactionsareprocessedintheorderwereceivethemforsettlement,exceptthatmultipleACHdebit transactionsreceivedonthesamedayareprocessed inorderfromsmallesttolargest.IfyouareenrolledintheServiceandmeetoureligibilityrequirements,wemayauthorizeand pay Overdrafts resulting from PIN- and signature-based purchase transactionsinitiated using your Card or Virtual Account, telephone-initiated transfers, ATMtransactions,andACHdebittransactionsthatyouinitiateorauthorizesomeoneelsetoinitiate. Bill pay transactions initiated through the PayAnyone bill pay service are noteligible for coverage. It is important to keep track of the value in your Card Accountbecause it will be your responsibility to determine if you have overdrawn your CardAccount balance, the day and time the Overdraft occurred, and the amount of anyOverdraftthatisapproved.


OnceyourCardAccounthasanoverdrawnbalancegreaterthan$10.00,youwillhavetwenty-four(24)hourstoreloadyourCardAccountwithfundssufficienttobringyourCardAccounttoazeroorpositivebalancewithoutincurringanyOverdraftProtectionServiceFee(s)(“GracePeriod”).IfyoufailtobringyourCardAccountbacktoazeroorpositive balance within 24 hours from the time of the first transaction causing anoverdrawnbalancegreaterthan$10.00,youwill incuranOverdraftProtectionServiceFee for each transaction approved after your CardAccount balancewas greater than$10.00overdrawn,subjecttothelimitationsdescribedhere.Youwillreceiveanemail(andanSMStextmessageifyouareenrolledinAnytimeAlerts™)notifyingyouwhenanOverdraftoccurs.Wewilltellyouwhereandwhenthetransactionoccurredanditsamount.IftheOverdraftwasthefirsttransactiontocauseanoverdrawnbalancegreaterthan$10.00,wewillalsotellyouwhentheGracePeriodendsforthepurposeofavoidingpaymentoftheOverdraftProtectionServiceFee(s).Youagreethatwithinthirty(30)daysofanyOverdraftoccurrenceonyourCardAccountyouwilladdfundssufficienttobringyourCardAccounttoazeroorpositivebalance,orthatyouwillimmediatelypaysuchamount(s)tousinfullupondemand.TheServiceisofferedinoursoleandabsolutediscretionasanon-contractualcourtesytoyou,andassuch,wemayelecttodeactivatetheServiceforyourCardAccountatanytime,refusetoauthorizeanytransactionthatexceedsyourCardAccountbalance,modifyeligibilityoractivationrequirements,modifyorchangetheServiceFee,limits,oranyotheraspectoftheService,and/orterminatetheServiceinitsentiretyatanytime.Onceyouhaveopted-intotheService,youmayopt-outatanytimeonlineorbycalling1-86-NETSPEND/1-866-387-7363 during normal Customer Service hours. To see thehoursofoperation,refertothesectionlabeled“CustomerService.”Shouldyouchoosetoopt-outoftheServiceyouremainresponsibleforanynegativebalance(s)inyourCardAccountandagreethatanycreditsorloadsmadetoyourCardAccountwillbeusedtooffsetthevalueofthenegativebalance(s),ifany.YouacknowledgethatyourparticipationintheServiceandthesettlementbyusofanytransactions exceeding your available Card Account balance does not constitute acontractualopen-endlineofcredit.Ourauthorizationorsettlementofanytransactionononeormoreoccasionsdoesnotobligateustoauthorizeorsettlefuturetransactions.Wemayrefusetheauthorizationorsettlementofanytransactionforyouatanytime.Wehavenoobligation to notify youbeforewe approveor decline a transaction thatwouldresultinanOverdraftinyourCardAccount.PREAUTHORIZEDDEBITSANDCREDITSYourassignedAccountNumberandthe Issuer’sbankroutingnumbercanbeused forarranging both direct deposits and recurring payments to Merchants. You may also


arrange for recurringpayments toMerchants using yourCardNumberor thebill payservicesmadeavailablethroughourthirdpartyserviceproviders.IfyouhavearrangedtohaveACHDepositsmadetoyourCardAccountatleastonceeverysixty(60)daysfromthesamepersonorcompany,youcancallusat1-86-NETSPEND/1-866-387-7363tofindoutwhetherornotthedeposithasbeenmade.ThereisafeewhencallingthetelephoneautomatedserviceorspeakingwithaCustomerServiceagentforthe solepurposeofmaking abalance inquiry. For information about the fee, see thesectionlabeled“FeeSchedule.”RighttoStopPaymentandProcedureforDoingSo:TostoparecurringpaymenttoaMerchantyouhavepreauthorizedtodebityourCardAccount, you must first contact the Merchant to request the recurring payment becancelled.IfyouhavearrangedforrecurringpaymentstoaMerchantusingthebillpayservicesavailablethroughourthirdpartyserviceproviders,youshouldfirstcontacttheapplicablethirdpartyserviceprovidertocanceltherecurringpayment.IftheMerchantorbillpaymentserviceproviderwithwhomyouhavearrangedrecurringpaymentsfromyourCardAccountisunableorunwillingtostopyourpayment,youcancall us at 1-86-NETSPEND/1-866-387-7363 or write us at: NetSpend, P.O. Box 2136,Austin,TX78768-2136torequestastoponsuchpayment.Wemustreceiveyourrequestatleastthree(3)businessdaysbeforethepaymentisscheduledtobemade.Suchastoppayment requestwill cancel a single, i.e., one (1), recurringpayment. If youwant topermanentlystopallrecurringpaymentstoaspecificMerchantthenwerequireyoutoputyourrequestinwritingandgetittouswithinfourteen(14)daysafteryoutellusyouwanttostopsuchpayments.Thereisafeeassociatedwitheachstoppaymentorderyougive.Forinformationaboutthefee,seethesectionlabeled“FeeSchedule.”NoticeofVaryingAmounts:Iftherecurringpaymentsyoumakemightvaryinamount,thepersonyouaregoingtopaywilltellyouthepaymentdateandtheamountofthepaymentten(10)daysbeforeeachpaymentisscheduledtotakeplace.(Youmaychooseinsteadtogetthisnoticeonlywhen the payment would differ by more than a certain amount from the previouspayment,orwhentheamountwouldfalloutsidecertainlimitsthatyouset.)LiabilityforFailuretoStopPaymentofPreauthorizedTransfer:Ifyouorderustostopapreauthorizedpaymentthree(3)businessdaysormorebeforethe transfer is scheduled, and we do not do so, we will be liable for your losses ordamages.FRAUDULENTORCRIMINALCARDACCOUNTORVIRTUALACCOUNTACTIVITY


WereservetherighttoblockorcancelyourCardAccountorVirtualAccountif,asaresultofourpoliciesandprocesseswedetectwhatwereasonablybelieve tobe fraudulent,suspiciousorcriminalactivityoranyactivitythatisinconsistentwiththisAgreement.Wewill incur no liability to you because of the unavailability of the funds that may beassociatedwithyourCardAccountand/orVirtualAccount.RETURNSANDREFUNDSIfyouareentitledtoarefundforanyreasonforgoodsorservicesobtainedwithyourCardorVirtualAccount,youagreetoacceptcreditstoyourCardAccountforsuchrefundsandagreetotherefundpolicyofthatMerchant.Ifyouhaveaproblemwithapurchasethat youmade with your Card or Virtual Account, or if you have a dispute with theMerchant,youmustattempttohandle itdirectlywiththeMerchant. Theremaybeadelayofuptofive(5)daysormorefromthedatetherefundtransactionoccursuntilthedatetherefundamountiscreditedtoyourCardAccount.CARDREPLACEMENTIfyouneedtoreplaceyourCardforanyreason,pleasecontactusat1-86-NETSPEND/1-866-387-7363torequestareplacementCard.Youwillberequiredtoprovidepersonalinformationwhichmay includeyourCardNumber, fullname, transactionhistory,andsimilarinformationtohelpusverifyyouridentity.ThereisafeeforreplacingyourCard.Forinformationaboutthefee,seethesectionlabeled“FeeSchedule.”TRANSACTIONSMADEINFOREIGNCURRENCIESAND/ORWITHMERCHANTSLOCATEDINFOREIGNCOUNTRIESA. Ifyouobtainfundsormakeapurchaseinacurrencyotherthanthecurrencyinwhich

your Card Account was issued, the amount deducted from your funds will beconvertedbyVisaintoanamountinthecurrencyofyourCardAccount.Theexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsiseither:(i)arateselectedbyVisafromtherangeofratesavailable inwholesale currencymarkets for the applicable central processingdate(thisratemayvaryfromtherateVisaU.S.A.Inc.itselfreceives),or(ii)thegovernment-mandatedrateineffectfortheapplicablecentralprocessingdate.Thispercentageamount is independentofanyamount takenby the Issuer inaccordancewith thisAgreement,and,

B. Ifyouobtainfundsormakeapurchaseinacurrencyotherthanthecurrencyinwhichyour Card Accountwas issued, or conduct a transactionwith aMerchant locatedoutsidetheU.S.,PuertoRico,theU.S.VirginIslands,Guam,ortheMarianasIslands,theIssuerwilldeducta3.5%transactionfee(“ForeignTransactionSurcharge”)basedontheamountofthetransaction,inthecurrencyofyourCardAccount.TheIssuerwillretainthisfeeascompensationforitsservices.


RECEIPTSYoushouldgetareceiptatthetimeyoumakeatransactionusingyourCardorVirtualAccount.Youagreetoretain,verify,andreconcileyourtransactionsandreceipts.CARDACCOUNTBALANCE/PERIODICSTATEMENTSYou are responsible for keeping track of the available balance of your Card Account.Merchantsgenerallywillnotbeabletodetermineyouravailablebalance.It’simportanttoknowyouravailablebalancebeforemakinganytransaction.Youmaydetermineyouravailable balance by accessing your Card Account online at www.netspend.com; byenrollingintheAnytimeAlertsSMSservice;orbycalling1-86-NETSPEND/1-866-387-7363(therewill bea feewhen calling the telephoneautomated serviceor speakingwithaCustomerServiceagentforthesolepurposeofmakingabalanceinquiry).Asixty(60)dayhistoryofaccount transactions is availableatwww.netspend.com. Statements inelectronicformatwillalsobemadeavailableatwww.netspend.comforeachmonthinwhichatransactionoccurs. Youwillnotautomaticallyreceivepaperstatements. Youhavetherighttoobtainasixty(60)daywrittenhistoryofaccounttransactionsbycalling1-86-NETSPEND/1-866-387-7363,orbywritingtousatNetSpend,P.O.Box2136,Austin,TX78768-2136.Thereisafeeforobtainingawrittenhistory. Forinformationabouteachofthefeesdescribedinthissection,seethesectionlabeled“FeeSchedule.”CONFIDENTIALITYWemaydiscloseinformationtothirdpartiesaboutyourCardAccountorthetransactionsyoumake:

(1) Whereitisnecessaryforcompletingtransactions;(2) InordertoverifytheexistenceandconditionofyourCardorVirtualAccountfor

athirdparty,suchasaMerchant;(3) In order to comply with government agency or court orders, or other legal

reportingrequirements;(4) Ifyougiveusyourwrittenpermission;or(5) Toouremployees,auditors,affiliates,serviceproviders,orattorneys,asneeded.

OURLIABILITYFORFAILURETOCOMPLETETRANSACTIONSIfwedonotproperlycompleteatransactiontoorfromyourCardAccountontimeorinthecorrectamountaccordingtoourAgreementwithyou,wewillbeliableforyourlossesordamages.However,therearesomeexceptions.Wewillnotbeliable,forinstance:

(1) Ifthroughnofaultofours,youdonothaveenoughfundsavailableinyourCardAccounttocompletethetransaction;

(2) IfaMerchantrefusestoacceptyourCardorVirtualAccount;


(3) IfanATMwhereyouaremakingacashwithdrawaldoesnothaveenoughcash;(4) Ifanelectronic terminalwhereyouaremakinga transactiondoesnotoperate

properly,andyouknewabouttheproblemwhenyouinitiatedthetransaction;(5) Ifaccess toyourCardAccounthasbeenblockedafteryoureportedyourCard,

VirtualAccountorPINlostorstolen;(6) Ifthereisaholdoryourfundsaresubjecttolegalprocessorotherencumbrance

restrictingtheiruse;(7) Ifwehavereasontobelievetherequestedtransactionisunauthorized;(8) If circumstances beyond our control (such as fire, flood, or computer or

communication failure) prevent the completion of the transaction, despitereasonableprecautionsthatwehavetaken;or

(9) AnyotherexceptionstatedinourAgreementwithyou.INFORMATIONABOUTYOURRIGHTTODISPUTEERRORSIn case of errors or questions about your Card Account, telephone us at 1-86-NETSPEND/1-866-387-7363,writetousatNetSpend,P.O.Box2136,Austin,TX78768-2136,[email protected],ifyouthinkanerrorhasoccurredinyourCardAccount.Wemustallowyoutoreportanerroruntilsixty(60)daysaftertheearlierofthedateyouelectronicallyaccessyourCardAccount,iftheerrorcouldbeviewedinyourelectronichistory,orthedatewesenttheFIRSTwrittenhistory on which the error appeared. You may request a written history of yourtransactionsatanytimebycallingusat1-86-NETSPEND/1-866-387-7363orwritingtousatNetSpend,P.O.Box2136,Austin,TX78768-2136.Youwillneedtotellus:

1. YournameandCardNumber.2. Whyyoubelievethereisanerror,andthedollaramountinvolved.3. Approximatelywhentheerrortookplace.

Ifyoutellusorally,wemayrequirethatyousendusyourcomplaintorquestioninwritingwithinten(10)businessdays.Wewilldeterminewhetheranerroroccurredwithinten(10)businessdaysafterwehearfromyouandwillcorrectanyerrorpromptly.Ifweneedmoretime,however,wemaytakeuptoforty-five(45)daystoinvestigateyourcomplaintorquestion.Ifwedecidetodothis,wewillcredityourCardAccountwithinten(10)businessdaysfortheamountyouthinkisinerror,sothatyouwillhavethemoneyduringthetimeittakesustocompleteourinvestigation.Ifweaskyoutoputyourcomplaintorquestioninwritingandwedonotreceiveitwithinten(10)businessdays,wemaynotcredityourCardAccount.For errors involving new Card Accounts, POS transactions, or foreign-initiatedtransactions, we may take up to ninety (90) days to investigate your complaint or


question.FornewCardAccounts,wemaytakeuptotwenty(20)businessdaystocredityourCardAccountfortheamountyouthinkisinerror.We will tell you the results within three (3) business days after completing theinvestigation. If we decide that there was no error, we will send you a writtenexplanation.Youmayaskforcopiesofthedocumentsthatweusedinourinvestigation.If you needmore information about our error-resolution procedures, call us at1-86-NETSPEND/1-866-387-7363orvisitnetspend.com.LOSTORSTOLENCARDS/UNAUTHORIZEDTRANSFERSIf you believe your Card, Virtual Account or PIN has been lost or stolen, call 1-86-NETSPEND/1-866-387-7363orwriteto:NetSpend,P.O.Box2136,Austin,TX78768-2136.Youshouldalsocall thenumberorwrite to theaddressshownhere ifyoubelieveanelectronic fund transferhasbeenmadeusing the information fromyourCard,VirtualAccountorPINwithoutyourpermission.YourLiabilityforUnauthorizedTransfersContactusATONCE if youbelieveyourCard,VirtualAccountorPINhasbeen lostorstolen,or ifyoubelievethatanelectronicfundstransferhasbeenmadewithoutyourpermission. Telephoning us at 1-86-NETSPEND/1-866-387-7363 is the best way tominimizeyourpossiblelosses.YoucouldloseallthemoneyinyourCardAccount.UnderVisaU.S.A. Inc.OperatingRegulations,your liability forunauthorizedVisadebittransactionsonyourCardAccountis$0.00ifyouhaveregisteredyourCardandarenotgrossly negligent or fraudulent in the handling of your Card. You must notify usimmediatelyofanyunauthorizeduse.ThisreducedliabilitydoesnotapplytotransactionsnotprocessedbyVisa.Ifyounotifyuswithintwo(2)businessdaysafteryoulearnofthelossortheftofyourCard,VirtualAccountorPIN,youcan losenomorethan$50.00 ifsomeoneusedyourCard,VirtualAccountorPINwithoutyourpermission.IfyoudoNOTnotifyuswithintwo(2)businessdaysafteryoulearnofthelossortheftofyourCard,VirtualAccountorPINandwecanprovethatwecouldhavestoppedsomeonefromusingyourCard,VirtualAccountorPINwithoutyourpermissionifyouhadpromptlynotifiedus,youcouldloseasmuchas$500.00.IfyourCardorPINhasbeenlostorstolen,wewilldeactivateyourCardandissueyouanewCardtokeeplossesdown.Also,ifyoubecomeawareofand/oryourelectronichistoryshowstransactionsthatyoudid notmake, including thosemade by your Card or othermeans, notify us at oncefollowingtheproceduresstatedinthesectionlabeled“InformationAboutYourRighttoDisputeErrors”appearingabove.Ifyoudonottelluswithinsixty(60)daysoftheearlierofthedateyouelectronicallyaccessyouraccount,iftheunauthorizedtransactioncould


beviewed inyourelectronichistory,or thedatewesent theFIRSTwrittenhistoryonwhichtheunauthorizedtransferappeared,youmaynotgetbackanymoneyyoulostafterthesixty(60)daysifwecanprovethatwecouldhavestoppedsomeonefromtakingthemoneyifyouhadnotifiedusintime.Ifagoodreason(suchasalongtriporahospitalstay)keptyoufromtellingus,wewillextendthetimeperiodsforareasonableperiod.MISCELLANEOUSYourCardAccountandyourobligationsunderthisAgreementmaynotbeassigned.Wemay transferour rightsunder thisAgreement. UseofyourCardorVirtualAccount issubject to all applicable rules and customs of any clearinghouse or other network orassociationinvolvedintransactions.Wedonotwaiveourrightsbydelayingorfailingtoexercisethematanytime.IfanyprovisionofthisAgreementshallbedeterminedtobeinvalidorunenforceableunderanyrule,law,orregulationofanygovernmentalagency,local, state, or federal, the validity or enforceability of any other provision of thisAgreementshallnotbeaffected. ThisAgreementwillbegovernedbythe lawsoftheStateofNevadaexcepttotheextentgovernedbyfederallaw.AMENDMENTANDCANCELLATIONWemay(a)amendorchangethetermsandconditionsofthisAgreementor(b)cancelorsuspendyourCardAccountorthisAgreementatanytimewithoutpriornoticetoyouexceptasrequiredbyapplicablelaw.YoumaycancelthisAgreementbyreturningtheCard(ifapplicable)tous.YourterminationofthisAgreementwillnotaffectanyofourrightsoryourobligationsarisingunderthisAgreementpriortotermination.IntheeventyourCardAccountiscancelled,closed,orterminatedforanyreason,solongasyouusedyourCardAccountinaccordancewiththetermsofthisAgreement,youmayrequesttheunusedbalancetobereturnedtoyouviaachecktothemailingaddresswehaveinourrecords.Unlessyouareeligibleforreceiptof“ExcessFunds,”asdescribedinthe section labeled, “Activation/Registration,” there is a fee for this service. Forinformationaboutthefee,seethesectionlabeled“FeeSchedule.”TheIssuerreservestherighttorefusetoreturnanyunusedbalanceamountlessthan$1.00.Wewillcomplywithunclaimedpropertylawsandappropriatelyengageinescheatmentactivitiesasrequiredbystatelaw.ELECTRONICCOMMUNICATIONSIfyouhavenotconsentedtoreceivingelectroniccommunicationsfromusbutwouldliketodoso,pleasevisitusonlineatwww.netspend.comforrequireddisclosuresandconsent.


IFYOUWISHTOPARTICIPATEINTHEOPTIONALOVERDRAFTPROTECTIONSERVICEYOUMUST CONSENT TO RECEIVE COMMUNICATIONS FROM US IN ELECTRONIC FORMTHROUGHOUTTHEENTIREDURATIONOFYOURPARTICIPATION INTHEOVERDRAFTPROTECTION SERVICE. IF YOU WITHDRAW YOUR CONSENT TO RECEIVECOMMUNICATIONSINELECTRONICFORM,YOURPARTICIPATIONINTHEOVERDRAFTPROTECTIONSERVICEWILLBEIMMEDIATELYDEACTIVATED.ENGLISHLANGUAGECONTROLSAnytranslationof thisAgreement isprovided foryourconvenience. Themeaningsofterms, conditions and representations herein are subject to definitions andinterpretations in the English language. Any translation providedmay not accuratelyrepresenttheinformationintheoriginalEnglish.CUSTOMERSERVICEFor customer service or additional information regarding your Card Account, pleasecontactusat:NetSpendP.O.Box2136Austin,Texas78768-21361-86-NETSPEND/1-866-387-7363CustomerServiceagentsareavailabletoansweryourcalls:MondaythroughFriday,8a.m.to10p.m.CTSaturdayandSunday,8a.m.to8p.m.CT.YoumayleaveamessageforCustomerServiceoutsidethesehours.CardAccountbalanceinquiriesmadebytelephonearesubjecttoafee.Forinformationaboutthefee,seethesectionlabeled“FeeSchedule.”TELEPHONEMONITORING/RECORDINGFromtimetotimewemaymonitorand/orrecordtelephonecallsbetweenyouandustoassurethequalityofourcustomerserviceorasrequiredbyapplicablelaw.NOWARRANTYREGARDINGGOODSANDSERVICESWearenotresponsibleforthequality,safety,legality,oranyotheraspectofanygoodsorservicesyoupurchasewithyourCardorVirtualAccount.ARBITRATION


Purpose:ThisArbitrationProvisionsetsforththecircumstancesandproceduresunderwhichclaims(asdefinedbelow)maybearbitratedinsteadoflitigatedincourt.Definitions: As used in this Arbitration Provision the term “Claim” means any claim,disputeorcontroversybetweenyouandusarisingfromorrelatingtotheCardAccountorthisAgreementaswellasanyrelatedorprioragreementthatyoumayhavehadwithusortherelationshipsresultingfromthisAgreement,includingthevalidity,enforceabilityorscopeofthisArbitrationProvisionortheAgreements.“Claim”includesclaimsofeverykindandnature,includingbutnotlimitedtoinitialclaims,counterclaims,cross-claimsandthird-partyclaimsandclaimsbaseduponcontract,tort,fraudandotherintentionaltorts,statutes, regulations, common law and equity. The term “Claim” is to be given thebroadestpossiblemeaningthatwillbeenforcedand includes,bywayofexampleandwithoutlimitation,anyclaim,disputeorcontroversythatarisesfromorrelatesto(i)yourCardAccount;(ii)theamountofavailablefundsinyourCardAccount;(iii)advertisements,promotions or oral or written statements related to your Card Account, or goods orservices purchased with your Card or Virtual Account; (iv) the benefits and servicesrelatedtoyourCardAccount;and(v)yourenrollmentforanyCardorVirtualAccount.WeshallnotelecttousearbitrationundertheArbitrationProvisionforanyClaimthatyouproperlyfileandpursueinasmallclaimscourtofyourstateormunicipalitysolongastheClaimisindividualandpendingonlyinthecourt.AsusedintheArbitrationProvision,theterms“we”and“us”shallforallpurposesmeanthe Issuer, wholly or majority owned subsidiaries, affiliates, licensees, predecessors,successors,andassigns;andalloftheiragents,employees,directorsandrepresentatives.Inaddition, “we”or “us” shall includeany thirdpartyusingorprovidinganyproduct,serviceorbenefit in connectionwithanyCardAccounts (including,butnot limited toMerchantswho accept the Card or Virtual Account, third partieswho use or provideservices,debtcollectorsandalloftheiragents,employees,directorsandrepresentatives)if,andonly if,suchthirdparty isnamedasaco-partywithus(orfilesaClaimwithoragainstus)inconnectionwithaClaimassertedbyyou.AssolelyusedinthisArbitrationProvision,theterms“you”or“yours”shallmeanallpersonsorentitiesapprovedbyustohaveand/oruseaCard,includingbutnotlimitedtoallpersonsorentitiescontractuallyobligatedunderanyoftheAgreementsandalladditionalCardholders.Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall beresolved, upon the election by you or us, by arbitration pursuant to this ArbitrationProvisionandthecodeofproceduresofthenationalarbitrationorganizationtowhichtheClaimisreferredineffectatthetimetheClaimisfiled.Claimsshallbereferredtoeither the Judicial Arbitration and Mediation Services (“JAMS”) or the AmericanArbitrationAssociation(“AAA”),asselectedbythepartyelectingtousearbitration.Ifaselectionbyusofoneoftheseorganizationsisunacceptabletoyou,youshallhavetheright within 30 days after you receive notice of our election to select the otherorganizationlistedtoserveasarbitratoradministrator.Foracopyoftheprocedures,tofileaClaimorforotherinformationabouttheseorganizations,contactthemasfollows:


(i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website atwww.jamsadr.com;or(ii)AAAat1101LaurelOakRoad,Suite100,Voorhees,NJ08043;websiteatwww.adr.org.SignificanceofArbitration:IFARBITRATIONISCHOSENBYANYPARTYWITHRESPECTTOACLAIM,NEITHERYOUNORWEWILLHAVETHERIGHTTOLITIGATETHATCLAIMINCOURTORHAVEAJURYTRIALONTHATCLAIM,ORTOENGAGEINDISCOVERYEXCEPTASPROVIDEDFORINTHECODEOFPROCEDURESOFJAMSORAAA,ASAPPLICABLE(THE“CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN AREPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTSPERTAININGTOANYCLAIMSUBJECTTOARBITRATION.EXCEPTASSETFORTHBELOW,THEARBITRATOR’SDECISIONWILLBEFINALANDBINDING.NOTETHATOTHERRIGHTSTHATYOUWOULDHAVE IFYOUWENTTOCOURTALSOMAYNOTBEAVAILABLE INARBITRATION.RestrictionsonArbitration:IfeitherpartyelectstoresolveaClaimbyarbitration,thatClaimshallbearbitratedonanindividualbasis.ThereshallbenorightorauthorityforanyClaimstobearbitratedonaclassactionbasisoronbasesinvolvingClaimsbroughtinapurportedrepresentativecapacityonbehalfofthegeneralpublic,otherCardholdersorotherpersonssimilarlysituated.Thearbitrator’sauthoritytoresolveClaimsislimitedtoClaimsbetweenyouandusalone,andthearbitrator’sauthoritytomakeawardsislimitedtoyouandusalone.Furthermore,Claimsbroughtbyyouagainstusorbyusagainstyoumay not be joined or consolidated in arbitration with Claims brought by or againstsomeoneotherthanyou,unlessotherwiseagreedtoinwritingbyallparties.LocationofArbitration/PaymentofFees:Anyarbitrationhearingthatyouattendshalltakeplaceinthefederaljudicialdistrictofyourresidence.Atyourwrittenrequest,wewill consider in good faith making a temporary advance of all or part of the filing,administrativeand/orhearingfeesforanyClaimyouinitiateastowhichyouorweseekarbitration.Attheconclusionofthearbitration(oranyappealthereof),thearbitrator(orpanel)willdecidewhowillultimatelyberesponsibleforpayingthefiling,administrativeand/orhearingfeesinconnectionwiththearbitration(orappeal).Ifandtotheextentyouincurfiling,administrativeand/orhearingfeesinarbitration,includingforanyappeal,exceedingtheamounttheywouldhavebeeniftheClaimhadbeenbroughtinthestateorfederalcourtwhichisclosesttothemailingaddresswehaveinourrecordsandwouldhavehad jurisdictionover theClaim,wewill reimburse you to that extentunless thearbitrator (or panel) determines that the fees were incurred without any substantialjustification.Arbitration Procedures: This Arbitration Provision ismade pursuant to a transactioninvolvinginterstatecommerce,andshallbegovernedbytheFederalArbitrationAct,9U.S.C.Sections1-16,asitmaybeamended(the“FAA”).Thearbitrationshallbegovernedby the applicable Code, except that (to the extent enforceable under the FAA) thisArbitration Provision shall control if it is inconsistent with the applicable Code. The


arbitratorshallapplyapplicablesubstantivelawconsistentwiththeFAAandapplicablestatutesoflimitationsandshallhonorclaimsofprivilegerecognizedatlawand,atthetimelyrequestofeitherparty,shallprovideabriefwrittenexplanationofthebasisforthedecision.Inconductingthearbitrationproceeding,thearbitratorshallnotapplytheFederaloranystaterulesofcivilprocedureorrulesofevidence.Eitherpartymaysubmita request to the arbitrator to expand the scope of discovery allowable under theapplicableCode.Thepartysubmittingsucharequestmustprovideacopytotheotherparty,whomaysubmitobjectionstothearbitratorwithacopyoftheobjectionsprovidedtotherequestingparty,withinfifteen(15)daysofreceivingtherequestingparty’snotice.Thegrantingordenialofsuchrequestwillbeinthesolediscretionofthearbitratorwhoshallnotifythepartiesofhis/herdecisionwithintwenty(20)daysoftheobjectingparty’ssubmission. The arbitrator shall take reasonable steps to preserve the privacy ofindividuals, and of business matters. Judgment upon the award rendered by thearbitratormaybeenteredinanycourthavingjurisdiction.Thearbitrator’sdecisionwillbefinalandbinding,exceptforanyrightofappealprovidedbytheFAA.However,anyparty can appeal that award to a three-arbitrator panel administered by the samearbitration organization, which shall consider anew any aspect of the initial awardobjectedtobytheappealingparty.Theappealingpartyshallhavethirty(30)daysfromthedateofentryofthewrittenarbitrationawardtonotifythearbitrationorganizationthat it is exercising the rightof appeal. Theappeal shall be filedwith thearbitrationorganizationintheformofadatedwriting.Thearbitrationorganizationwillthennotifythe other party that the award has been appealed. The arbitration organizationwillappointathree-arbitratorpanelwhichwillconductarbitrationpursuanttoitsCodeandissue itsdecisionwithinonehundredtwenty (120)daysof thedateof theappellant’swrittennotice.Thedecisionofthepanelshallbebymajorityvoteandshallbefinalandbinding.Continuation:ThisArbitrationProvisionshallsurviveterminationofyourCardAccountaswellasvoluntarypaymentofanydebtinfullbyyou,anylegalproceedingbyustocollectadebtowedbyyou,andanybankruptcybyyouorus.IfanyportionofthisArbitrationProvisionisdeemedinvalidorunenforceableunderanyprincipleorprovisionoflaworequity, consistent with the FAA, it shall not invalidate the remaining portions of thisArbitrationProvision,theAgreementoranyprioragreementsyoumayhavehadwithus,eachofwhichshallbeenforceableregardlessofsuchinvalidity.FEESCHEDULEAllfeeamountswillbewithdrawnfromyourCardAccount,exceptwhereprohibitedbylaw.NOTE:FeesassessedtoyourCardAccountbalancemaybringyourCardAccountbalancenegative.AnytimeyourCardAccountbalanceislessthanthefeeamountbeingassessedonyourCardAccountoryourCardAccountbalance isalreadynegative, theassessmentofthefeewillresultinanegativebalanceonyourCardAccountorincreasethenegativebalanceonyourCardAccount,asapplicable.Ifthatoccurs,anysubsequentdepositsorloadsintoyourCardAccountwillfirstbeappliedtothenegativebalance.


CosttoOpenAccount/CardPurchaseFee:Feewillbedeterminedandassessedbyoperatorofretaillocation.Innoeventwillthefeeexceed$9.95.RefundPolicy:TheCardPurchaseFeeisnotrefundable.PleasecallCustomerServiceat1-86-NETSPEND/1-866-387-7363withquestionsaboutourrefundpolicy.ThreePurchasePlanOptions:

Pay-As-You-GoSMPlan*

MonthlyFeeAdvantage™Plan

NetSpendPremier®FeeAdvantagePlan***

PlanFee NoFee $9.95permonth $5.00permonthSignaturePurchaseTransactionFee** $1.00each IncludedinPlan IncludedinPlan

PINPurchaseTransactionFee** $2.00each IncludedinPlan IncludedinPlan

ForeignTransactionSurcharge

3.5%oftheU.S.Dollaramountofthepurchasetransaction



*ThePay-As-You-GoPlanisautomaticallyeffectiveonyourCardAccountwhenyoufirstobtaintheCard.IfyouwishtochangetotheMonthlyFeeAdvantagePlan,justcall1-86-NETSPENDorvisitwww.netspend.com.**Duringcheckout,select“CREDIT”onthekeypadtomakeaSignaturePurchase,orselect“DEBIT”andenteryourPINtomakeaPINPurchase.***ToqualifyfortheNetSpendPremierFeeAdvantagePlan,yourCardAccountmustreceivequalifyingdirectdepositsofpaychecksand/orgovernmentbenefitstotalingatleast$500inonecalendarmonth.WithdrawCash(SeeourtiponhowtoavoidATMfeesbelow)Over-the-CounterCashWithdrawalFeeatafinancialinstitution(alsoreferredtoasthe“OTCWithdrawalFee”)

$2.50perwithdrawal,plustheForeignTransactionFee,ifapplicable.

Over-the-CounterCashWithdrawalFeeataNetSpendReloadNetworklocation(alsoreferredtoasthe“OTCWithdrawalFee–ReloadNetwork”)

Feemaybeassessedbyreloadlocationandmayvaryfromlocationtolocation.Servicenotavailableinallreloadlocations.

ATMCashWithdrawalFee-Domestic $2.50perwithdrawal,plusATMownerfees,ifany.

ATMCashWithdrawalFee-International $4.95perwithdrawal,plustheForeignTransactionFee,andATMownerfees,ifany.

ForeignTransactionSurcharge 3.5%oftheU.S.Dollaramountofthecashwithdrawal

ATMTransactionDeclineFee-Domestic $1.00eachATMTransactionDeclineFee–International $1.00eachTiptoavoidATMfees:Select“DEBIT”andenteryourPINtogetcashbackwhenmakingpurchasesatmanyretailers,suchasgrocerystores.AddMoneyToYourAccount:DirectDepositFee Nofee


CashValueLoadFee–NetSpendReloadNetworkLocation

Feemaybeassessedbyreloadlocationandmayvaryfromlocationtolocation.

BankTransferFee

VisityouronlineAccountCentertolearnhowtotransferfundstoyourCardfromanotherbankaccountusingabankdebitcardoraccountnumber.Feesaredeterminedandmaybechargedtothetransferor’sbankaccountbytheoriginatingbank.

MobileCheckLoadFee FeesaredeterminedandmaybeassessedbytheMobileCheckLoadserviceprovider.

Account-to-AccountTransferFee-website Nofee

Account-to-AccountTransferFee-CSagent $4.95pertransferthroughaCustomerService(CS)agent,assessedwhenprocessed

CheckYourBalance:

BalanceInquiryFee–OnlineAccountCenter Nofee

BalanceInquiryFee–EmailorTextMessage Nofee;standardtextmessageordataratesmayapply

BalanceInquiryFee–TelephoneAutomatedService

$0.50each

BalanceInquiryFee–TelephoneCSAgent $0.50eachperinquiryconductedthroughaCustomerService(CS)Agent

BalanceInquiryFee–ATMDomestic $0.50each,plusATMownerfees,ifanyBalanceInquiryFee–ATMInternational $0.50each,plusATMownerfees,ifany.ManageYourAccount:CheckRequestFee $5.95eachAdditionalStatementMailingFee $5.95each(perstatementrequest)AdditionalCardFee $9.95eachReplacementCardFee $9.95perlost,stolen,ordamagedcardreplacedCardDeliveryFee–7-10BusinessDays

Nofee

CardDeliveryFee–3BusinessDays $20.00,assessedwhenprocessed(ChargedinadditiontotheAdditionalCardFeeorReplacementCardFee)

CardDeliveryFee–1-2BusinessDays $25.00,assessedwhenprocessed(ChargedinadditiontotheAdditionalCardFeeorReplacementCardFee)

AccountMaintenanceFee(alsoreferredtoasthe“AccountInactivityFee”)

$5.95permonth(FeeappliesifCardAccounthasnothadanyactivity,thatis,nopurchases;nocashwithdrawals;noloadtransactions;ornoBalanceInquiryFeeforninety(90)days.)IfenrolledinanyFeeAdvantagePlan(FAP)andyourCardAccounthashadnoactivityasdescribedabove,thisfeeappliesinsteadofthePlanFee.

OverdraftProtectionServiceFee(ThisoptionalservicehasCardholderactivationandeligibilityrequirements.)

$15.00perOverdraftoccurrence(maximumofthree(3)feespercalendarmonth).


MakePayments:

BillPaymentFee

Inadditiontotheone(1)ormoreno-costbillpaymentmethodsmadeavailablethroughthird-partyserviceproviders,youcanseeafullrangeofoptions,includingACHDebit/PreauthorizedPaymentTransactions,andtheapplicablefeesinyouronlineAccountCenter.Feesaredeterminedandassessedbythird-partyserviceproviders.

ACHDebit/PreauthorizedPaymentTransactionDeclineFee $1.00foreachsuchdeclinedtransaction.

StopPaymentFeeforACHDebit/PreauthorizedPaymentTransactions $10.00each

OptionalFeatures:CustomCardFee $4.95percustomcard,ifavailable.

ThisCardholderAgreementiseffectiveAugust21,2015.ThisCardisissuedbyBofIFederalBank;MemberFDIC1-86-NETSPEND/1-866-387-7363www.netspend.comCertainproductsandservicesmaybelicensedunderU.S.PatentNos.6,000,608and6,189,787.020203-1.0

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