* IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

¹  Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details.

²  To minimize losses, Cardholder must notify Netspend promptly of any loss of the card or compromise of the Card Account. Does not apply to certain prepaid cards, or corporate cards. Certain terms, conditions and exclusions apply. Please see www.mastercard.us/zero-liability.html for more details.

³  Other costs, terms and conditions are associated with the use of this Card Account. See your Cardholder Agreement for details.

⁴  Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.

⁵  Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Axos Bank^® and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.

⁶  The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.

⁷  Enrollment in the Monthly Plan is optional and covers only purchase transaction fees. It does not include ATM fees or any other fees associated with the use and reloading of the Card Account. To qualify for the Reduced Monthly Plan you must receive $500 in payroll or government benefit direct deposits in 1 calendar month. Upon qualifying, discounted fee takes effect on enrolled Cardholder's next Plan Fee assessment date. Pay-As-You-Go Cardholders must enroll in the Monthly Plan to activate the Reduced Monthly Plan. See the Cardholder Agreement for details.

⁸  The Savings Account is made available to Cardholders through Axos Bank; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

• If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.
• If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of April 1, 2019. These are variable rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through Axos Bank, Member FDIC upon verification of Cardholder's identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Axos Bank will be aggregated up to the maximum amount permitted by law upon receipt of funds by the Issuer.

⁹  No charge for this service, but your wireless carrier may charge for messages or data.

¹⁰  Earn one (1) point per dollar spent on signature purchase transactions (not including any applicable fees). Certain restrictions apply; see the program terms and conditions for full details, including point earning and redemption parameters. Void where prohibited by law. Axos Bank and Mastercard are not affiliated in any way with this optional offer and do not endorse or sponsor this offer.

The Brink's Prepaid Mastercard^® is issued by Axos Bank pursuant to a license by Mastercard International Incorporated. Axos Bank; Member FDIC. Netspend, a TSYS^® Company, is a registered agent of Axos Bank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.  Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account.  See the Cardholder Agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

© Total System Services, Inc.^® All rights reserved worldwide. TSYS^® and Netspend are federally registered U.S. service marks of Total System Services, Inc. All other trademarks and service marks belong to their owners.