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NetSpend The Bancorp Bank FDIC MasterCard VISA Click for the Business Review of prepaid debit card provider, NetSpend Corporation.

1 The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval of your request for a NetSpend Prepaid Debit Card requires passing our identification verification process.

2 To qualify for this one-time special offer, you must enroll in direct deposit and your Card Account must receive one (1) qualifying direct deposit of $50 or more no later than December 31, 2013. To allow time for the direct deposit to be received, we suggest you enroll your account for direct deposit no later than November 15, 2013. This offer is limited to one NetSpend prepaid account per individual: card must be active, not currently enrolled in direct deposit and be in good standing. NOTE: PayPal ACH deposits or any local, state or federal tax refund ACH deposits do not qualify for this offer. Offer may not be transferred to another person, exchanged for any other offer, or redeemed for cash. Void where prohibited. This special offer is administered by Restaurant.com. Dining certificates are issued by Restaurant.com and may be redeemed online at www.diningdough.com or by telephone at 1-800-979-8985 for the full amount or in incremental amounts until the face value of the certificate(s) is redeemed at participating restaurants. Total restaurant purchase must be in excess of certificate amount and the actual required purchase amount will appear on the certificate. Number of persons in dining party, dates or times of dining and/or menu choices may be limited. Other restrictions may apply. Full terms and conditions will appear in the materials you will receive upon qualifying for this offer. Please also review all standard Restaurant.com requirements as well as individual restaurant requirements when selecting your certificate(s). There is no expiration date for issued certificates. Certificates are not redeemable for cash. Issuance of certificates is the sole responsibility of Restaurant.com. The Bancorp Bank and NetSpend neither sponsor nor endorse the Dining Dough program and have no liability with respect to any failure of any party to issue, redeem or honor certificates. Unredeemed certificates are not valid toward purchases at restaurants. Limit of one (1) certificate per restaurant per visit.

NetSpend Premier Visa Prepaid Cards are issued by The Bancorp Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. NetSpend is an Independent Sales Organization pursuant to an agreement with The Bancorp Bank. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the enclosed Cardholder Agreement for details.

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