Netspend Mobile App Disclosures

1 Faster funding claim is based on the policy of making funds available upon receipt of payment instructions versus the typical practice of posting funds at settlement. Early access to funds is not guaranteed and timing of early access may vary from period to period. Faster payment requires direct deposit and varies depending on the date in which the payor provides payment instructions. Fraud prevention restrictions may also delay availability of funds.

2 The Debit Card Overdraft Service is an optional service made available to eligible Netspend® Debit Account customers by Pathward®, National Association, or Republic Bank & Trust Company. Once you enroll and meet the eligibility requirements (see terms in your Account Center), you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Overdraft protection and the overdraft fee apply solely to (i) signature and PIN purchase transactions and (ii) ATM withdrawals. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Additional Overdraft Service Terms and Conditions apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

3 The optional Savings Account linked to your Netspend Debit Account is made available to Accountholders through Pathward, N.A. or Republic Bank & Trust Company, Members FDIC. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.

If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of August 15, 2025. 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). Savings Account funds are withdrawn through the Netspend Debit Account and transaction fees could reduce the interest earned on the Savings Account. Once your identity is verified and your account is registered, your funds on deposit in your savings account are FDIC insured up to $250,000 through your issuing bank (“Issuing Bank”), which is Pathward, N.A., or Republic Bank & Trust Company, 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 Netspend Corporation (“Netspend”). Netspend, 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.

4 By activating and using a Netspend Account, your participation in the rewards program is automatically activated. However, you may opt-out of the program at any time by visiting the Rewards Summary Page in the Online Account Center. The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs and program terms and conditions in the Online Account Center. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation, Pathward, N.A., Republic Bank & Trust Company, Mastercard, and Visa are not affiliated in any way with the program and neither endorses nor sponsors it.

5 The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend Corporation is a licensed provider of money transfer services (NMLS ID: 932678). Netspend Corporation’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend Corporation and other third parties in connection with use of the Netspend Network.

6 IMPORTANT INFORMATION FOR OPENING A CARD OR DEPOSIT 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 an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

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