Common use of Limitations on Frequency and Dollar Amounts of Transactions Clause in Contracts

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** May not exceed $510 950 Purchases - Daily $2,500 Bill Payment - Daily May not exceed $2,500 Bank Teller Withdrawal - Daily ** May not exceed $2,500 Card to Card - Daily May not exceed $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Money Earned® Feature $1.00 per transaction, up to $100.00 taken Up to 50% of your Net Wages at time of Request may be loaded to your Card Limits* Account via Money Earned feature in the Mobile App. When you choose to load funds using this method, Spentra will verify your available net earned wages at time of request with your employer’s time and attendance provider. If you have sufficient earned wages available, Spentra will load the amount, as designated by you, to your Card Account. Your next scheduled paycheck will include only the remaining wages you earned per your employer’s standard payroll process. This information is accurate as of 01/18/2022. Maximum cumulative amount of for all loads in any 24- 24-hour period May not exceed $10,000 25,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 25,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Account Adding funds is referred to as “loading”. .” You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Yes1 Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct DepositMoney Earned® Feature: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” via Money Earned feature in the left columnMobile App. employer or relevant government payer our banking routing number (000000000) When you choose to load funds using this method, Spentra will verify your available earned wages at time of request with your employer’s time and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejectedattendance provider. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from sufficient earned wages available, Spentra will load the same person or companyamount, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Cardas designated by you, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account. Your next scheduled paycheck will include only the remaining wages you earned per your employer’s standard payroll process.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** May not exceed $510 Purchases - Daily $2,500 Bill Payment - Daily May not exceed $2,500 Bank Teller Withdrawal - Daily ** May not exceed $2,500 10,000 Card to Card - Daily May not exceed $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot GreenDot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Virtual Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Virtual Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gambling or gaming, any casino activities or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Virtual Card Activity Limits Maximum Cash Withdrawals Purchases (ATMPIN Point-of-Sale) - Daily ** $510 Purchases - Daily $2,500 Bill Payment Purchases (Signature) - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Virtual Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Virtual Card if we reasonably suspect the Virtual Card is being used for prohibited purposes. The Virtual Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Available with Virtual Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.? Load Options

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 11,000 Maximum balance of balanceof Card Account at Accountat any time ("“Maximum Balance"”) May not exceed $10,000 15,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to rightto accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's ’s name. We will provide advance notice of such changes when required by Lawlaw. decrease theselimits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) – Daily** $510 Purchases – Daily $2,500 Bill Payment (Electronic) – Daily $2,500 Bank Tell Withdrawal – Daily** $2,500 Card to Card – Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Adding Funds (“LoadingFunds(“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any Accountany time after your identity has been verified, subject to the limitations thelimitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may Wemay assess a fee for feefor one or more of the ofthe load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the fromthe originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Available with Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.? Load Options

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - – Daily ** $510 Purchases (Point-of-Sale) - Daily $2,500 Bill Payment Purchases (Signature) - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 9,999 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 9,999 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 9,999 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. Funds can only be added to the Card by the correctional facility providing you with your Card. You may not load funds to the Card. We have no obligation to you in the event that there is a delay or failure in providing funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitationsCard. We may assess a fee for one deduct, or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or designate a third party involved in to cause a deduction from the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and loaded on the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services in order to add money correct a previous error or overpayment to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can useyou. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejectedhereby authorize such deductions. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from a dispute with the same person or company, correctional facility about the person or company making amount that the deposit may tell you every time they send us the money. You may also call correctional facility instructs us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to onto your Card, we may deduct the amount of the deposit you agree to not involve us in that dispute and return it. You should check to resolve that dispute solely with the payer to determine the effective date for any direct deposit they send to your Card Accountcorrectional facility.

Limitations on Frequency and Dollar Amounts of Transactions. You may use your Card to pay for Eligible Expenses pursuant to the Benefits Plan in the United States and District of Columbia wherever Debit Mastercard®, Maestro®, and NYCE® cards are accepted. The value of the purchases you make may not exceed your Available Balance. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For information about the initial Authorization Limits that apply, see the tables below. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. We will provide advance notice of such changes when required by Law. Transaction Type Maximum Dollar Limit Per Transaction Daily Use Limit Purchases (Signature & PIN) $1,000 12 times Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 1,000 Maximum cumulative amount of all purchase (Signature & PIN) in any 24-hour period May not exceed $1,000 Maximum balance of Card Account Available Balance at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. 2,000 Adding Funds (“Loading”) to Your Card AccountAvailable Balance. Adding funds is referred to as “loadingLoading”. You The Program Sponsor maintains your Available Balance. Only the Program Sponsor may load funds to your Card Account any time after your identity has been verified, subject to Available Balance through the limitations in this Agreement and the accompanying Fee ScheduleBenefits Plan. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may not add additional funds to your Available Balance by any means, including without limitation, using cash, check, a personal credit or debit card, or from another bank account. The minimum amount of each one-time load per Card Account by presenting cash is one dollar ($1.00) and the Card at participating Green Dot reload network locations maximum amount is one thousand dollars ($1,000.00). PIN A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction. You will receive a PIN when activating your card by logging into your online account (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). To prevent unauthorized access to the Card balance, you agree to keep your PIN confidential. We recommend that you memorize your PIN and do not write it down. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately by following the procedures described below in the section entitled “Your employer Responsibility and Liability for Unauthorized Transfers”. PIN and Non-PIN Transactions. Merchants may limit the available options for the type of transaction you wish to conduct or benefits provider may let you choose between a PIN (“Debit”) transaction or a signature (“Credit”) transaction at the point of sale. To initiate a signature transaction at the point of sale, select “Credit” and sign the receipt (if required by the merchant). To initiate a PIN transaction at the point of sale, select “Debit” and enter your PIN at the point of sale terminal. For mail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction as a PIN transaction without asking you to enter your PIN, which may subject you to PIN purchase fees. A merchant may also have be permitted to route a form transaction through as a PIN Debit without requiring you can use. You may obtain to enter your Account Number by contacting us by phone or logging in to our Website once PIN even when your Card has been activated (see is present. In each of these circumstances, we recommend that you ask the section above entitled “How merchant whether your transaction will be routed as a PIN or signature transaction, as we are not able to Contact Us”)control how the merchant routes your transaction. The 16-digit Transactions Made Outside of the United States Are Prohibited. Your Card Number embossed or printed on your Card should may not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount outside of the deposit United States and return itDistrict of Columbia, including for Internet, mail, or telephone order merchants located outside of the United States and District of Columbia or for transactions made in foreign currencies. You should check with the payer to determine the effective date for any direct deposit they send to your Card AccountOther Important Information About Using Your Card.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 10,000 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card LimitsL imits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank bank, or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Available with Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.? Load Options

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer For additional information about how to load funds to your Card Account, visit our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us Website (see the section above entitled “How to Contact Us”). Your employer or benefits provider All funds are subject to anti-fraud verification procedures that may also have a form you can usedelay access to the funds. You agree to present the Card and meet identification requirements to complete load transactions as may obtain your Account Number by contacting us by phone or logging in be required from time to our Website once time. We also reserve the right to reject any requests to load funds to your Card has been activated (see Account. All loads must be made in U.S. dollars. Presenting personal checks, cashier’s checks, and money orders to the section above entitled “How Issuer for Card loading are not acceptable forms of loading. All checks and money orders sent to Contact Us”). The 16-digit the Issuer for Card Number embossed loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or printed on your Card should money order may or may not be used for initiating direct deposits or your deposits will be rejectedloaded to the Card at the discretion of the Issuer. If you have arranged to have direct deposits made You cannot load funds to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card AccountATMs.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Purchases (Point-of-Sale) - Daily $2,500 Purchases (Signature) - Daily $2,500 Bill Payment (Electronic) - Daily $2,500 Bill Payment (Paper Check) - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 10,000 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card LimitsL imits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Available with Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.? Load Options

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For information about the basic limits that apply, see the accompanying Fee Schedule. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot GreenDot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases (Point-of-Sale) - Daily $2,500 Bill Payment Purchases (Signature) - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 10,000 Card to Card - Daily $300 100 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 20,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot GreenDot reload network locations (see xxx.xxxxxxxx.xxx xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 500 Purchases - Daily $2,500 Bill Payment (Electronic) - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 10,000 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. You may load funds to your Card Account any time after your identity has been verifiedAccount, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks Specifically, you may have additional limitationsonly load funds to the Card via direct deposit from your Employer. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer Available with Card? Load Options Yes Direct Deposit: Funds may be loaded to your Card Account (including all or relevant government payer our banking routing number part of your paycheck by use of the Automated Clearing House (000000000) and your Account Number. A ACH), commonly referred to as “direct deposit form is available by contacting us (see the section above entitled “How to Contact Usdeposit”). Your employer Employer, at your direction, may direct wages, consulting fees, commissions, or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in other payments of compensation to our Website once be allocated to your Card Account. To arrange for direct deposits to the Card, you will need to ensure your Employer has been activated (see the section above entitled “How to Contact Us”)provided us with your correct information. The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or from the name of someone for whom you have the legal authority to accept funds Employer will be loaded to the CardCard Account. All other direct deposits received from a source other than your Employer may be declined and returned. All direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in your name from a source other than your Employer or in the name of someone else was successfully loaded to your CardCard Account, we may deduct the amount of the deposit and return it. You should check with the payer your Employer to determine the effective date for any direct deposit they send to your Card Account.

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may also limit transactions made with certain types of merchants, including but not limited to merchants engaged in illegal activities, online or off-shore gaming, or dating/escort services. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 5,000 Purchases (Point-of-Sale) - Daily $,5,000 Purchases (Signature) - Daily $5,000 Bill Payment (Electronic) - Daily $2,500 Bank Teller Withdrawal Bill Payment (Paper Check) - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. 1,700 Card Limits* Maximum cumulative amount of all loads in any 24- 24-hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loadingLoading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule for more details. There may also be a fee from the originating bank or a third party involved in the load process. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (ACH), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”). Your employer or benefits provider may also have a form you can use. You may obtain your Account Number by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “How to Contact Us”). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Available with Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account.? Load Options

Limitations on Frequency and Dollar Amounts of Transactions. We impose certain limitations on the number or dollar amount of transactions you can make with your Card. For information about the basic limits that apply, see the accompanying Schedule A. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and without prior notice to you, to the extent permitted by applicable law. Card Activity Limits Maximum Cash Withdrawals (ATM) - Daily ** $510 Purchases - Daily $2,500 Bill Payment - Daily $2,500 Bank Teller Withdrawal - Daily ** $2,500 Card to Card - Daily $300 **The bank or ATM where the withdrawal takes place may also place certain limits on a withdrawal. Card Limits* Maximum cumulative amount of all loads in any 24- hour period May not exceed $10,000 Maximum balance of Card Account at any time ("Maximum Balance") May not exceed $10,000 *We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder's name. We will provide advance notice of such changes when required by Law. Adding Funds (“Loading”) to Your Card Account. Adding funds is referred to as “loading”. You may load funds to your Card Account any time after your identity has been verified, subject to the limitations in this Agreement and the accompanying Fee Schedule. Schedule A. Merchants and banks may have additional limitations. We may assess a fee for one or more of the load options described below. See the accompanying Fee Schedule A for more details. There may also be a fee from the originating bank or a third party involved in the load process. Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. Available with Card? Load Options Yes Cash Loads: You may add funds to your Card Account by presenting cash and the Card at participating Green Dot reload network locations (see xxx.xxxxxxxx.xxx for participating merchant locations). Cash load services and products are provided by third parties. Even though we may allow use of load services to add money to your Card Account, we do not provide these services and are not responsible for any service issues that arise with them, except as otherwise stated in this Agreement. Use of a load service is subject to the terms and conditions established by the provider of such load service. The third parties providing such load service may charge a load fee. Yes Direct Deposit: Funds may be loaded to your Card Account (Account, including all or part of your paycheck or any federal or state government benefit or payment (e.g., federal tax refunds or social security payment) by use of the Automated Clearing House (“ACH”), commonly referred to as “direct deposit”. To arrange for direct deposit, you will need to provide your Funds may be loaded to your Card Account through one or more of the following means marked “Yes” in the left column. employer or relevant government payer our banking routing number (000000000) and your Account Number. A direct deposit form is available by contacting us (see the section above entitled “How to Contact Us”)us. Your employer or benefits provider may also have a form you can use. You may obtain our routing number and your Account Number Number, as well as a direct deposit form, through the Mobile App or Website or by contacting us by phone or logging in to our Website once your Card has been activated (see the section above entitled “How to Contact Us”). The 16-digit Card Number embossed or printed on your Card should not be used for initiating direct deposits or through ACH as your deposits will be rejected. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, the person or company making the deposit may tell you every time they send us the money. You may also call us to find out whether or not your direct deposit load has been received (see the section above entitled “"How to Contact Us”"). You agree that only direct deposits in your name or the name of someone for whom you have the legal authority to accept funds will be loaded to the Card. All other direct deposits in the name of anyone else may be declined and returned. If we discover that a direct deposit in the name of someone else was successfully loaded to your Card, we may deduct the amount of the deposit and return it. You should check with the payer to determine the effective date for any direct deposit they send to your Card Account. At our discretion, we may post your payroll or benefits payment direct deposits early. Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, CBKC will post the funds to your XXXX.xxx prepaid card when we receive it, rather than on the effective date. This may result in you having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. If you already had a XXXX.xxx prepaid card issued by another bank, you must update your payer with CBKC’s account information to be eligible for the early direct deposit feature.