*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.

** Offer valid only for in store purchase of new NetSpend Prepaid Card purchased at CVS. Limit one (1) offer per ExtraCare^® card account. ExtraCare card must be presented at time of purchase. ExtraBucks Rewards may not be used to purchase or load value to prepaid cards. $5 ExtraBucks Reward must be used within 30 days of being awarded. Your ExtraBucks Rewards will print as a coupon on your receipt immediately following qualifying purchase. Offer may not be transferred to others, exchanged for other offers, or redeemed for cash. Costs, terms, and conditions are associated with the purchase, use, and reloading of this Card Account, and its use is subject to ID verification and funds availability. See card package for basic fees. NetSpend and BofI Federal Bank are not affiliated with the ExtraCare program and neither endorse nor sponsor the program or this offer.

1 Faster access to funds is based on comparison of NetSpend's 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.

2 NetSpend does not charge for this service, but your wireless carrier may charge for messages or data.

3 NetSpend Payback Rewards^℠ is an optional program. You may opt-out at any time by visiting your NetSpend Payback Rewards Summary Page at your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. NetSpend 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 NetSpend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: NetSpend Corporation. BofI Federal Bank is not affiliated in any way with the program and neither endorses nor sponsors it.

4 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.

5 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 $5,000.00 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 $5,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $5,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $5,000.00 or less will be 4.91%.

The interest rates and APYs of each tier may change. The APYs were accurate as of June 30, 2015. 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 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 NetSpend Visa Prepaid Card is issued by BofI Federal Bank pursuant to a license from Visa U.S.A. Inc. BofI Federal Bank; Member FDIC. NetSpend, a TSYS^® Company, is a registered agent of BofI Federal Bank. This card may be used everywhere Visa debit cards are accepted. 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.

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