**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.

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

¹ 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 card, or corporate card. Certain terms, conditions and exclusions apply. Please see www.mastercard.us/zero-liability.html for more details.

²  There are terms and costs associated with the use of this Card Account. See the Cardholder Agreement for details.

³ IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens 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 other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions or account-to-account transfers, or be reloaded. Residents of the State of Vermont are ineligible to open a Card Account.

⁴  Faster access to funds is based on comparison of our immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.

⁵ Payback Rewards is an optional program. You may opt out at any time by visiting the Payback Rewards page in the online Account Center. Your offers are based on your shopping habits. Brink's will not share any of your personal information with the merchants who sponsor offers. When you activate an offer and make a purchase, the merchant will not know you are a Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the Payback Rewards FAQs and the program terms and conditions at www.BrinksPrepaidMasterCard.com.

⁶  The $10 Purchase Cushion is not an extension of credit: it is a non-contractual courtesy exercised in our sole discretion, by which we may approve transactions that the Brink's Prepaid MasterCard cardholder requests from time to time that create up to a $10.00 negative balance on the Card Account. A cardholder may receive only on $10.00 negative balance allowance at a time and is responsible for repayment of any negative balance created through use of the Card Account. See the Cardholder Agreement for more information.

⁷  The Savings Account is made available to Cardholders through BofI Federal 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 . 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 BofI Federal Bank, Member FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at BofI Federal Bank will be aggregated up to the coverage limit, currently $250,000.00.

The Brink's Prepaid MasterCard is issued by BofI Federal Bank pursuant to a license by MasterCard International Incorporated. BofI Federal Bank; Member FDIC. NetSpend, a TSYS^® Company, is a registered agent of BofI Federal 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 funds availability and ID verification.  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 of MasterCard International Incorporated.

Card may be used everywhere Debit MasterCard is accepted.

© Total System Services, Inc.^® All rights reserved. All other trademarks and service marks belong to their owners.