1  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.

2 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.

3 The Pay-As-You-Go Plan ("PAYGO") is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. These plans include only domestic purchase transaction fees and do not include ATM fees or any other fees associated with the use and reloading of the Card Account. Upon qualifying, discounted fee takes effect on enrolled Cardholder's next Plan Fee assessment date. PAYGO Cardholders must enroll in the Monthly Plan to activate the Reduced Monthly Plan. See the Cardholder Agreement for details.

4  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 your Cardholder Agreement for details.

5 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; 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, 2020. These are promotional 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 upon verification of Cardholders identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00.

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

7The Me-to-Me Transfer Service is an optional service that you may add to your Card Account through the Online Account Center. Fees, terms and conditions apply, which you must agree to before using the Service. You may only use the Service to move funds for legitimate, lawful purposes. For more information, see the Service Terms and Conditions in the Online Account Center. Not available in all states.

8 Fees may be assessed by other reload locations and may vary from location to location.

9 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. Republic Bank & Trust Company and Mastercard is not affiliated in any way with this program and does not endorse or sponsor this program.

¹⁰ You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or Online Account Center for details.

¹¹ Custom Card Fee applies. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of Custom Card Fee; or (b) a replacement standard card requires payment of standard Replacement Card Fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

¹² A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No reward will be credited to either party if referred individual had another Netspend managed card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, Netspend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a- Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing nonpublic information. Referred person acknowledges that payment of the referral may result in the cardholder's knowledge of referred person establishing a Card Account with us. Republic Bank & Trust Company and Mastercard is not affiliated in any way with the Refer-a-Friend rewards program and does not endorse or sponsor this program.

¹³ No fee for online account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card, including a $4.95 fee for each account-to-account transfer facilitated via a live Customer Service Agent. Use of card is also subject to funds availability. See the Cardholder Agreement for details.

¹⁴ Savings vary by drug, average savings of 50% (as of August 2017). This is a medical discount plan. This is NOT insurance. This program offers you the opportunity to locate providers of various types of medical services who will offer their services to you at discounted rates. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and service received. You are fully responsible for paying for all health care services but will be entitled to receive a discount from those health care providers in accordance with the specific pre-negotiated discounted fee schedule. This program does not guarantee the quality of the services or procedures offered by the providers. Except for prescription drugs which you will pay directly to the pharmacy at the time of purchase, all other services received through a program provider will be charged to the credit card on file in your member account. The charge will include an administrative fee for use of the program. This is not a Medicare prescription drug plan. Towers Administrators Inc. is the licensed discount medical plan organization with its administrative office located at 4510 Cox Road, Suite 111, Glen Allen, VA 23060. SingleCare Services, LLC is the marketer of the discount medical plan organization including its website, singlecare.com, with its corporate office located at 4100 Regent Street, Suite S, Columbus, OH 43219. For additional information, including an up-to-date list of providers, or assistance with any issue related to program membership, please contact member support any time at www.singlecare.com, or by calling toll-free 1-800-323-1174, Monday through Friday 9am-9pm EST. Although Netspend provides you the option to receive this discount card, this discount card is issued by a third-party, and Netspend is not affiliated with the discount card issuer or its discount program. Netspend makes no representations, warranties or guarantees, and shall have no responsibility, with respect to the discount card or it's discounts. Republic Bank & Trust Company and Mastercard are not affiliated in any way with this optional product or service and neither endorse nor sponsor it.

The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Netspend, a Global Payments Company, is a registered agent of Republic Bank & Trust Company. 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.

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© Global Payment, Inc. All rights reserved worldwide. Global Payment and Netspend are federally registered U.S. service marks of Global Payments, Inc. All other trademarks and service marks belong to their owners.