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Once your identity is verified and your account is registered, your funds on deposit in your Netspend prepaid, debit and savings accounts are FDIC insured up to $250,000 through your issuing bank ("Issuing Bank"), which is Pathward, N.A., Republic Bank & Trust Company, or The Bancorp Bank, N.A., Members FDIC, subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at the Issuing Bank. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks www.pathward.com/programbanks. FDIC insurance protects against the failure of the Issuing Bank, not the failure of Ouro Global, Inc. ("Ouro"). Ouro, a financial technology company, is not a bank and is not FDIC insured. Your Issuing Bank is identified on the back of your card and in your account agreement.

*No minimum balance necessary to open an optional Savings Account. Because Savings Account funds are withdrawn through the Card Account or Deposit Account, Card Account or Deposit Account transaction fees could reduce the interest earned on the Savings Account. To participate in the Savings Account program, you must consent to and continue receiving communications from us in electronic form. If you are subject to Internal Revenue Service backup withholding at the time of your request to open the Savings Account, your request will be declined. The Netspend Savings Account or All-Access Savings Account is made available to Netspend Cardholders or All-Access Accountholders through Pathward, N.A., Member FDIC. Card Account or Deposit Account and Savings Account funds are FDIC-insured upon verification of your identity. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A., will be aggregated up to the maximum amount permitted by law upon receipt of funds by the Issuer.

The Netspend Visa® Prepaid Card is issued by Pathward®, National Association and Republic Bank & Trust Company, Members FDIC, pursuant to a license from Visa U.S.A. Inc. The Netspend Prepaid Mastercard is issued by Pathward, N.A., and Republic Bank & Trust Company, Members FDIC, pursuant to license by Mastercard International Incorporated. The Netspend® Debit Account is a deposit account established by Pathward, N.A. Please see the back of your Card for its issuing bank. Ouro Global, Inc. is a registered agent of and service provider to Pathward, N.A. The Netspend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted.

Netspend® Better Credit Visa Card is a secured charge card account issued by Pathward®, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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