Consumer Action Prepaid Credit Card Survey

Transcription

About the Survey
Consumer Action Prepaid Credit Card Survey - 2012
About This Survey
Consumer Ac8on’s 2012 Prepaid Card Survey was conducted Jan. 16‐March 22 by Alegra Howard. The survey was coordinated and supervised by Ruth Susswein. Note: You are prohibited from using Consumer Ac8on’s name or any reference to its surveys in adver8sing or for any other commercial purpose.
® 2012 Consumer Ac8on
Key to Survey
The company that issues the card.
The name of the card.
Where Consumer Ac8on found the informa8on presented in this report.
The contract governing the cardholder's use of the card.
The main website of the issuer.
The issuer's telephone number.
Where you can buy and/or use the card.
The FDIC – short for the Federal Deposit Insurance Corpora8on – is an independent agency of the United States government. The FDIC protects depositors of insured banks located in the United States against the loss of their deposits if an insured bank fails.
How the issuer protects you against unauthorized use of the card.
FRAUD PROTECTION?
Your rights to dispute an error on your account.
ERROR RESOLUTION?
Off the shelf cards are called “temporary” cards because you either use them up or Temporary Card
convert the account into a permanent personalized card that you can reload with funds again and again.
Minimum Load The smallest balance allowed on the card.
Maximum Balance The largest amount you can have (or load) on the card at one 8me.
Once your iden8ty has been verified, a personalized card will be mailed to you and Personalized Card
you can load funds on it.
Minimum Load The smallest balance allowed on the card.
Maximum Balance The largest amount you can have (or load) on the card at one 8me.
This sec8on explains how you use the card.
USE OF CARD
Any restric8ons on the use of the card.
CARD RESTRICTIONS
How you deposit funds (load or reload) the card.
Reload Process
Will your credit history have to be verified before you can get a card.
Credit check required?
Bank account required?
Are you required to have a bank account before you can get a card.
Any addi8onal requirements on the card.
Requirements
Direct Deposit
Can you can designate the card to receive direct deposits from your employer or government benefits?
Any special add‐ons to the card.
UPGRADES
This sec8on explains the fees on the card.
FEES:
Ini7al Purchase/Ac7va7on The fee to buy or ac8vate the card.
Reload The fee to deposit money (load or reload) on the card.
Withdrawal The fee to withdraw cash, at an ATM machine or elsewhere.
Lost, Stolen or Addi7onal Card The fee for a replacement or addi8onal card.
Direct Deposit The fee to have income direct deposited on the card.
Monthly Maintenance Fee A fee on some cards that is charged monthly just to have the card.
Transac7on A fee charged every8me you make a transac8on.
Customer Service A fee to call customer service.
Balance Inquiry A fee to check your balance at an ATM machine.
Foreign Currency Conversion Fee A fee charged when you use the card to make purchases with a foreign‐based vendor online or in person when you are in another country.
Other Any other informa8on that may be applicable.
How you can check your card's balance online and monitor your account.
MANAGING YOUR CARD ONLINE
Text to check balance?
If you can receive text messages to let you know your balance.
Low balance email/text alerts?
If you can receive email or text alerts when your balance is low.
Ways to use the card in a more cost effec8ve manner by avoiding fees.
HOW TO AVOID FEES
NAME OF CARD ISSUER
NAME OF CARD
URL SOURCE OF CARD INFO
Card's Terms and Condi7ons
URL of ISSUER
ISSUER PHONE
CARD AVAILABILITY (STATES)
FDIC INSURED?
Consumer Action
Prepaid Card Survey - 2012
Page 1 of 109
Page 1 of 2
About the Survey
CONFIDENTIALITY
PRIVACY NOTICE
Consumer Action
Page 2 of 109
How is your personal informa8on protected, or not protected.
The issuer's policy on how it treats your personal informa8on for business, marke8ng and other purposes.
Page 2 of 2
#!
# $#
%-$)%.'&( EDD5CEA5DACB4
%"
...3%-$)$%.3%#
%-$)%.("(( E==5D=E5D>CC4
...3%-$)$%.3%#
#'$/&'(("-' ECC5BAB5DEAD4
...3"-'#%$03%#
#'$/&'((%'
EEE5ED?5F>=B4
')
...3#'$/&'((3%#4)')
#'$/&'(('& ECC5?=D5DFD=4
...3#'$/&'((3%#4&'&
$!'%#'&
EDD5?@D5C?C?4
()''
...3$!'%#3%#
&)"$'&
EEE5EBB5??CB4
()''
...3&)"%$3%#4&'&5'(
'$%)'&(8 ECC5DFB5DBFD4
()''
...3'$%)3%#4'$%)
8"%!#'"
EEE5CED5AD??4
'&()''
...3'"%!3%#4#'"
!(%$.,#')' ECC5?>E5CCEE4
'&(
...3 !(%$.,3%#4(#')'
$%()''
EDD5EFC5?CAC4
'&'
...3#$%#%$03%#
%'$('&
ECC5D>D5CCBE4
()''
...3#%'$(&'&3%#
)&$'&(
ECC5@ED5D@C@4...3$)(&$3%#
$()''
$()'&'
EDD5DAF@DE4
...3%.3%#4$!$4&'&
0"'&()'' ECC5DB@5CAA=4...3&0&"5
&'&3%#
)('& ECC5?FB5?AC=4
'5%$)'%"
...3'0)3%#
)('& ECC5?FB5?AC=4
'5"*$-#
...3'0)3%#
)('& ECC5?FB5?AC=4
'5")
...3'0)3%#
%$(%.('& E==5D@A5ACCD4
'
&'%#%3'%$(3%#4%.$!$
#$&,*+,
%
:=5:?3B=
( #
#! #&
:=
:>
#
(
:?3B=
:>
:>
(
:=
%
:=
:=6%%)$%)?75
:=
:?3==
:=5:@4%)'&')0%&*%$ :=6%%)$%)?75:@ :=
:=
%
:=
:=4&)%:A3FB
:=
:=
%
:B
:=4&)%:A3FB
:=
:=3B=
(
:A3FB
:=4:A3FB
:B3FB
&
:F3FB
#()
&
:=4&)%:A3FB
:B
:=4&)%:A3FB
:=
:=4:>
:=6%%)$%)?75
:?3==
:?3B=
:=
:=
(
:=4:A3FB
:=6%%)$%)?75
:>3FB
:=5:?3B=
:=
:=5:3B=
(
:=
:=4&)%:A3FB
:?3B=
:=
:=5:>
(
:B3FB
:=4&)%:A3FB
:?3B=
:B3==
:=4&)%:A3FB
:?
$)-'5:=2
:3?B :=3B=
&')'$(*%$
:=
:=5:3B=
(
:F3FB
:=4:A3FB
:=5:?3B=
:=
:=5:3B=
(
:=4:B3FB4:F3FB
:=4&)%:A3FB
:?3B=
:=5:?
:=5:3B=
(
:A3FB
:=4&)%:A3FB
:=5:?3B=
:=
:=5:3B=
(
:A3FB
:=4&)%:A3FB
:>3FB
:=
:=5:3B=
(
:@3FB
:=4&)%:A3FB
:?3?B
:=3FB
:=5:3B=
(
:>A3FB
:=4&)%:A3FB
:?
:=
:=
(
:F3FB
:=4&)%:A3FB
:?3?B
:=
:=
(
:B
:=5:@4&)%:A3FB
:=5:?
:=
:=5:?
(
Consumer Action
Page 3 of 109
$$%
>%?
(
#!
#$&,*+,
$$%
# $#
%"!.
("% ?==.>?>.;8<7-''',!%"!,
&
47
%"!.
(#(
0##:1
?==.>?>.;8<7-''',!%"!,
47- #4;,@<
470##;1.
49,<7
!&
! "#!!0%)!1
&""#!!
! !
???.9<@.788:-
$ +--# !&!,
?>>.??:.==??-
''',%&"#!#,-0!
"2#%"#-1
?>>.@:>.;7@?-
''','!#(!,-'
!#
???.:==.>7>@-
''','% ! ,-'% ! - %
-%9/
?>>.997.:@?<-''','% ! ,
4<,@<0
##:1-
4@,@<
4:
( #
#!
480 #487
#1
48
*47#%!
0##<1
47- #4;,@<
49,77
4@,@<
47- #4;,@<
4:
47.4:- #4;,@<
!#(!
"#!!"
! !"
"#!%9
! "#!!
"#!
! "!
"#!!
! !
%(
! "&!!
#+!&"
9-9?-89
?<<.?@=.99>:-
''',(%(!",
#&
47.4,<7
#
"
47.4,<7
"
47
47.48
"
47.48,@<
47
47
"
47.49
47
47.48
"
47
47.4;,@<-(!# 48,@<
"#!
47
47.4,;<
"
47
47.4;,@<- #4;,@<
48,@<
47
47.4,;<
"
4<
47- #4;,@<
49
47
47.4,<7
"
4:,@<
47- #4;,@<
49
47
47
"
#()
&
47- #4;,@<
%
48,@<
"'#"%&!%* ,+#
"(#
")#
(&'(
%+ ,+"#
"*#
"+#
Consumer Action
Page 4 of 109
99
Account Now Gold Visa Prepaid Card
Consumer Action Pre-Paid Credit Card Survey - 2012
!"#$%&'("$)(*
*"+,-%.)/%.0&.
/5D3%7+%.52,%-00132
/5D3%7+%.52,
12!%0712.3%7+%.52,%-/+7
F"?I.;9'%F"?I
."9(:;<()9%5=9))>)?$@8)9>#%"?(%
.;?(AB;?#%%
https://gold.accountnow.com/company/terms_conditions.aspx
12!%;C%-00132
-00132%6J7/3
.52,%5K5-!5F-!-8L%M085830N
+,-.%-/0123,4
+251,%62783.8-7/4
-K@LMMGGGHN"CO2$9"H,'2M
P==Q<PRQ=R<>
32272%2307!18-7/4
Yes. In case of errors or questions about your electronic transactions, call
877-984-7465 or write us at AccountNow Customer Service, P.O. Box 1966,
San Ramon, CA 94583, Attention: Disputes as soon as you can, if you think
an error has occurred in your Card Account. We must allow you to report an
error until sixty (60) days after the earlier of the date you electronically
access your Card Account, if the error could be viewed in your electronic
history, or the date we sent the FIRST written history on which the error
appeared. You may request a written history of your transactions at any time
by calling us at 877-984-7465 or writing us at AccountNow Customer
Service, P.O. Box 1966, San Ramon, CA 94583.
https://gold.accountnow.com/
All 50
Your deposits are FDIC insured up to $250,000.
Yes. If you believe your Card has been lost or stolen, or that someone has
transferred or may transfer money from your Card Account without your
permission, call 877-984-7465. Under Visa U.S.A. Inc. Operating
Regulations, your liability for unauthorized Visa debit transactions on your
Card Account is $0.00 if you notify issuer within two (2) business days and
you are not grossly negligent or fraudulent in the handling of your Card. This
reduced liability does not apply to PIN transactions not processed by Visa or
ATM cash withdrawals. If you notify issuer within two (2) business days of
any unauthorized transactions, you can lose no more than $50.00 if someone
used your Card without your permission. If you do not notify issuer within
two (2) business days after you learn of the loss or theft of your Card and
issuer can prove that we could have stopped someone from using your Card
without your permission if you had promptly notified us, you could lose as
much as $500.00.
You will need to disclose:
1. Your name and Card Account number.
2. Why you believe there is an error, and the dollar amount involved.
3. Approximately when the error took place.
If you tell issuer orally, they will require that you send your complaint or
question in writing within ten (10) business days.
They will determine whether an error occurred within ten (10) business days
after hearing from you and will correct any error promptly. They may need
up to forty-five (45) days to investigate your complaint or question.
6)9#;?"<AH)(%."9(
DA?A>&>%!;"( ;0H0&
D"EA>&>%F"<"?G) 1-$%2"34252%6"478%74249%4:%$49-$+%;</000%'+%;=/>00%?@7$":$%+$($+%9'%8'5+%
A"+6-'76$+%B#+$$2$C9D%('+%E4+$,9%E$@':49%"C6%5@%9'%;&/>00%('+%,":-%7'"6:/%
"79-'5#-%,$+9"4C%,":-%7'"6%@"+9C$+:%2"8%-"F$%9-$4+%'GC%6"478%74249:H%I'+%,":-%
7'"6:%9-$+$%4:%"7:'%"%2'C9-78%74249%'(%;J/>00H
103%7+%.52,
Consumer Action
Page 5 of 109
!"#$%&%'(%)
.52,%23082-.8-7/0
1-$+$%4:%"%6"47%;>00%"92%,":-%G49-6+"G"7%74249%"C6%"%;=>0%%'F$+%9-$%,'5C9$+%,":-%
N",O%74249H%A"+6-'76$+%4:%"N7$%9'%2"O$%;)000%4C%@5+,-":$%@$+%6"8%('+%!XY%"C6%
@5+,-":$:/%;)/000%('+%:4#C"95+$%@5+,-":$:S%"%2"34252%9'9"7%'(%;=/.>0%4C%,":-%
G49-6+"G"7M@5+,-":$:%@$+%6"8H%1-$+$%4:%C'%24C4252%'C%9-$%"2'5C9%8'5%,"C%"66%
9'%8'5+%",,'5C9S%-'G$F$+/%9-$+$%4:%"%6"478%2"34252%8'5%,"C%"66%9'%8'5+%",,'5C9H%
1-$%2"34252%6"478%74249%4:%$49-$+%;</000%'+%;=/>00%?@7$":$%+$($+%9'%8'5+%
A"+6-'76$+%B#+$$2$C9D%('+%E4+$,9%E$@':49%"C6%5@%9'%;&/>00%('+%,":-%7'"6:/%
"79-'5#-%,$+9"4C%,":-%7'"6%@"+9C$+:%2"8%-"F$%9-$4+%'GC%6"478%74249:H%I'+%,":-%
7'"6:%9-$+$%4:%"7:'%"%2'C9-78%74249%'(%;J/>00H%d'5%,"C%"66%,":-%9'%8'5+%@+$@"46%
",,'5C9%5@%9'%)0%Z2$:%4C%"%)0Q6"8%Z2$%@$+4'6%5:4C#%"C8%'(%9-$%"F"47"N7$%'@Z'C:L%
*'C$8[+"2/%\U7'"649/%]$:9$+C%^C4'C/%_4:"%\$"68`4CO%?_4:"%'C78D/%'+%[+$$C%E'9%
?]49-%]$:9$+C%^C4'C/%8'5%"+$%74249$6%9'%"%2"34252%'(%&0%Z2$:%@$+%)0Q6"8%
@$+4'6DH%I'+%$3"2@7$/%4C%"%#4F$C%)0%6"8%@$+4'6/%8'5%,"C%"66%2'C$8%&0%Z2$:%
5:4C#%]$:9$+C%^C4'C%"C6%"C'9-$+%.0%Z2$:%5:4C#%*'C$8[+"2%'+%[+$$C%E'9/%('+%"%
9'9"7%'(%)0%Z2$:H
2)<;"(%69;G)##
E4+$,9%E$@':49%4:%(+$$H%1'%"66%2'C$8%9'%8'5+%@+$@"46%",,'5C9%5:4C#%,":-/%8'5%G477%
C$$6%9'%9"O$%8'5+%,":-%"C6%,"+6%C52N$+%9'%"%:9'+$%7',"Z'C%9-"9%'c$+:%'C$%'(%9-$%
('77'G4C#%2'C$8%9+"C:($+%:$+F4,$:L%*'C$8[+"2%Q%;)HJ>%($$/%\$7'"649%Q%;)HJ>%($$/%
[+$$C%E'9%*'C$8%!"O%;RH>0Q;RHJ>%($$/%]$:9$+C%^C4'C%Q%;RH>0%($$/%_4:"%
\$"68`4CO%?_4:"%aC78D%Q%;RHJ>%($$H
.9)(A$%G:)GI%9)P&A9)(4
F"?I%"GG;&?$%9)P&A9)(4
2)P&A9)>)?$#
Y'
Y'
1-$%24C4252%"#$%9'%"@@78%('+%"%@+$@"46%",,'5C9%4:%&R%8$"+:%'76H%1'%"@@78%('+%"C%
B,,'5C9Y'G%!+$@"46%_4:"%'+%*":9$+A"+6%,"+6/%8'5%G477%C$$6%9'%@+'F46$%8'5+%
C"2$/%@-'C$%C52N$+/%$2"47%"66+$::/%:',4"7%:$,5+498%C52N$+/%"C6%2"474C#%
"66+$::H%1'%+$,$4F$%8'5+%G$7,'2$%@",O"#$%"C6%@+$@"46%,"+6/%8'5%25:9%$C9$+%"%
@-8:4,"7%^HWH%"66+$::H%A"+6:%,"CC'9%N$%:$C9%9'%@':9%'b,$%?!HaHD%N'3$:H%%%%
,A9)G$%,)';#A$
16S25,30
+330*
-?AB"<%6&9G:"#)@5GBO"B;?
2)<;"(
I+$$
http://www.accountnow.com/services/fees-schedule.aspx
;0%
;0S%1-4+6%@"+98%,":-Q7'"6%($$:%G477%"@@78L%*'C$8[+"2%Q%;)HJ>%($$/%\$7'"649%Q%
;)HJ>%($$/%[+$$C%E'9%*'C$8%!"O;RH>0Q;RHJ>%($$/%]$:9$+C%^C4'C%Q%;RH>0%($$/%_4:"%
\$"68`4CO%?_4:"%aC78D%Q%;RHJ>%($$H
58D%."#:%RA$:(9"R"<% ;.H>0S%;0%,":-%G49-6+"G"7:%N8%!XY%?"9%C'CQB1*%"C6%1$77$+H%I'+%$3"2@7$/%,":-%
N",O%"9%#+',$+8%"C6%+$9"47%:9'+$:DS%XC9$+C"Z'C"7%B1*%G49-6+"G"7%Q%;RHJ>%@$+%
9+"C:",Z'C
.:)GI%69;G)##A?= E$@$C6:%'C%9-4+6%@"+98%F$C6'+
0)G;?(%."9(%;9%5((AB;?"<%."9(% Y'%,-"+#$%('+%'C$%A"+6%@$+%8$"+%('+%B,,'5C9Y'G%['76%E4+$,9%E$@':49%,5:9'2$+:S%
2)'<"G)>)?$ ;&0H00%@$+%+$T5$:9%'9-$+G4:$
,A9)G$%,)';#A$ ;0H00%
D;?$:<Q%D"A?$)?"?G)%+)) ;JHJ>%Q%($$%G"4F$6%$",-%2'C9-%('+%E4+$,9%E$@':49%"C6%G-$C%;./>00%'+%2'+$%4:%
7'"6$6%'C%,"+6%4C%9-$%@+$F4'5:%)0%6"8:H
89"?#"GB;?# ;0%
FA<<%6"Q ;0S%U3@$649$6%V477%!"8%W$+F4,$L%U7$,9+'C4,%!"82$C9%Q%;JHJ>%@$+%+$T5$:9/%!"82$C9%
N8%A-$,O%Q%;&JHJ>%@$+%+$T5$:9S
.&#$;>)9%0)9OAG) ;0H>0%@$+%,"77%9'%"59'2"9$6%@-'C$%:8:9$2%?G"4F$6%('+%E4+$,9%E$@':49%,5:9'2$+:DS%
A"77%9'%74F$%"#$C9%Q%;&%@$+%,"77%?G"4F$6%('+%E4+$,9%E$@':49%,5:9'2$+:D
F"<"?G)%-?P&A9Q% B1*%N"7"C,$%4CT54+8%Q%;&
Consumer Action
Page 6 of 109
!"#$%.%'(%)
+;9)A=?%.&99)?GQ%.;?O)9#A;?%+)) .HJ>e%'(%9+"C:",Z'C%"2'5C9%"f$+%,'CF$+:4'C
7$:)9 B1*%E$,74C$%I$$%Q%;0HR0S%V477%W9'@%Q%;.0%@$+%+$T5$:9S%A"+6%B,,'5C9%A7':5+$%A-$,O%
I$$%g%X(%8'5%6$,46$%9'%,7':$%8'5+%A"+6%B,,'5C9%"C6%+$T5$:9%"%,-$,O%9'%N+4C#%8'5+%
N"7"C,$%9'%h$+'%Q%;&>HJ>
D5/5S-/S%L712%.52,%7/!-/3
d$:H%1$39%2$::"#$%"C6%$2"47%"7$+9:%C'Z(84C#%,"+6-'76$+%'(%7'G%N"7"C,$%"+$%"7:'%
"F"47"N7$H%
d$:
d$:
J7T%87%5K7-,%+330
A5:9'2$+%:$+F4,$%($$:%"+$%G"4F$6%('+%E4+$,9%E$@':49%,5:9'2$+:H
.7/+-,3/8-5!-8L
X::5$+%2"8%64:,7':$%4C('+2"Z'C%9'%9-4+6%@"+Z$:%"N'59%8'5+%A"+6%B,,'5C9%'+%9-$%
9+"C:",Z'C:%8'5%2"O$L%]-$+$%49%4:%C$,$::"+8%('+%,'2@7$ZC#%9+"C:",Z'C:S%XC%
'+6$+%9'%F$+4(8%9-$%$34:9$C,$%"C6%,'C64Z'C%'(%8'5+%A"+6%B,,'5C9%('+%"%9-4+6%@"+98/%
:5,-%":%"%2$+,-"C9S%XC%'+6$+%9'%,'2@78%G49-%#'F$+C2$C9%"#$C,8%'+%,'5+9%'+6$+:/%
'+%'9-$+%7$#"7%+$@'+ZC#%+$T54+$2$C9:S%X(%8'5%#4F$%5:%8'5+%G+4K$C%@$+24::4'CS%'+S%
1'%'5+%$2@7'8$$:/%"5649'+:/%"b74"9$:/%:$+F4,$%@+'F46$+:%'+%"K'+C$8:%":%C$$6$6H
62-K5.L%/78-.3
https://gold.accountnow.com/company/Privacy_Policy.aspx
Consumer Action
Page 7 of 109
!"#$%)%'(%)
Account Now Prepaid Visa Card "Classic"
!"#$%&'("$)(*
*"+,-%.)/%.0&.
/593%7+%.52,%-00132
/593%7+%.52,
12!%0712.3%7+%.52,%-/+7
!"#$%$&'
."A(JB>()A%5KA))<)?$L8)A<#%"?(%
.B?(;MB?#%%%
12!%BD%-00132
-00132%6I7/3
.52,%5E5-!5=-!-8F%G085830H
+,-.%-/0123,4
+251,%62783.8-7/4
http://www.accountnow.com/company/terms-conditions.aspx
32272%2307!18-7/4
http://www.accountnow.com/help/help-signup.aspx#q-ccard
http://www.thebancorp.com/
K00L=0KL=&<<
All 50
Your deposits are FDIC insured up to $250,000.
Yes. If you believe your Card has been lost or stolen, or that someone has
transferred or may transfer money from your Card Account without your
permission, call 877-984-7465. Under Visa U.S.A. Inc. Operating
Regulations, your liability for unauthorized Visa debit transactions on your
Card Account is $0.00 if you notify issuer within two (2) business days and
you are not grossly negligent or fraudulent in the handling of your Card. This
reduced liability does not apply to PIN transactions not processed by Visa or
ATM cash withdrawals. If you notify issuer within two (2) business days of
any unauthorized transactions, you can lose no more than $50.00 if someone
used your Card without your permission. If you do not notify issuer within
two (2) business days after you learn of the loss or theft of your Card and
issuer can prove that we could have stopped someone from using your Card
without your permission if you had promptly notified us, you could lose as
much as $500.00.
Yes. In case of errors or questions about your electronic transactions, call
877-984-7465 or write us at AccountNow Customer Service, P.O. Box 1966,
San Ramon, CA 94583, Attention: Disputes as soon as you can, if you think
an error has occurred in your Card Account. We must allow you to report an
error until sixty (60) days after the earlier of the date you electronically
access your Card Account, if the error could be viewed in your electronic
history, or the date we sent the FIRST written history on which the error
appeared. You may request a written history of your transactions at any time
by calling us at 877-984-7465 or writing us at AccountNow Customer
Service, P.O. Box 1966, San Ramon, CA 94583.
You will need to disclose:
1. Your name and Card Account number.
2. Why you believe there is an error, and the dollar amount involved.
3. Approximately when the error took place.
If you tell issuer orally, they will require that you send your complaint or
question in writing within ten (10) business days.
They will determine whether an error occurred within ten (10) business days
after hearing from you and will correct any error promptly. They may need
up to forty-five (45) days to investigate your complaint or question.
6)A#B?">;C)(%."A(%=">"?@)
9;?;<&<%!B"( ;0H0&
9":;<&<%=">"?@) 1-$%2"34252%6"478%74249%4:%$49-$+%;</000%'+%;=/>00%?@7$":$%+$($+%9'%8'5+%
A"+6-'76$+%B#+$$2$C9D%('+%E4+$,9%E$@':49%"C6%5@%9'%;&/>00%('+%,":-%7'"6:/%
"79-'5#-%,$+9"4C%,":-%7'"6%@"+9C$+:%2"8%-"F$%9-$4+%'GC%6"478%74249:H%I'+%,":-%
7'"6:%9-$+$%4:%"7:'%"%2'C9-78%74249%'(%;J/>00H%%%
103%7+%.52,
Consumer Action
Page 8 of 109
!"#$%&%'(%)
.52,%23082-.8-7/0
!$+%6"8/%9-$+$%4:%"%;)00%"92%,":-%G49-6+"G"7%74249%"C6%"%;)00%'F$+%9-$%,'5C9$+%
,":-%N",V%74249H%A"+6-'76$+%2"8%2"V$%5@%9'%;./000%4C%@5+,-":$:%@$+%6"8%('+%!XZ%
"C6%;./000%4C%:4#C"95+$%@5+,-":$:S%"%;R/<00%2"3%@$+L6"8%G49-+"G7^:@$C64C#%
74249H%1-$+$%4:%C'%24C4252%'C%9-$%"2'5C9%8'5%,"C%"66%9'%8'5+%",,'5C9S%
-'G$F$+/%9-$+$%4:%"%6"478%2"34252%8'5%,"C%"66%9'%8'5+%",,'5C9H%1-$%2"34252%
6"478%74249%4:%$49-$+%;</000%'+%;=/>00%?@7$":$%+$($+%9'%8'5+%A"+6-'76$+%B#+$$2$C9D%
('+%E4+$,9%E$@':49%"C6%5@%9'%;&/>00%('+%,":-%7'"6:/%"79-'5#-%,$+9"4C%,":-%7'"6%
@"+9C$+:%2"8%-"F$%9-$4+%'GC%6"478%74249:H%I'+%,":-%7'"6:%9-$+$%4:%"7:'%"%2'C9-78%
74249%'(%;J/>00H%M'5%,"C%"66%,":-%9'%8'5+%@+$@"46%",,'5C9%5@%9'%)0%Q2$:%4C%"%)0L
6"8%Q2$%@$+4'6%5:4C#%"C8%'(%9-$%"F"47"N7$%'@Q'C:]%*'C$8[+"2/%dg7'"649/%
e$:9$+C%`C4'C/%_4:"%d$"68f4CV%?_4:"%'C78D/%'+%[+$$C%E'9%?e49-%e$:9$+C%`C4'C/%
8'5%"+$%74249$6%9'%"%2"34252%'(%&0%Q2$:%@$+%)0L6"8%@$+4'6DH%I'+%$3"2@7$/%4C%"%
#4F$C%)0%6"8%@$+4'6/%8'5%,"C%"66%2'C$8%&0%Q2$:%5:4C#%e$:9$+C%`C4'C%"C6%
"C'9-$+%.0%Q2$:%5:4C#%*'C$8[+"2%'+%[+$$C%E'9/%('+%"%9'9"7%'(%)0%Q2$:H%%%
2)>B"(%6AB@)##
E4+$,9%E$@':49%4:%(+$$H%1'%"66%2'C$8%9'%8'5+%@+$@"46%",,'5C9%5:4C#%,":-/%8'5%G477%
C$$6%9'%9"V$%8'5+%,":-%"C6%,"+6%C52N$+%9'%"%:9'+$%7',"Q'C%9-"9%'c$+:%'C$%'(%9-$%
('77'G4C#%2'C$8%9+"C:($+%:$+F4,$:]%*'C$8[+"2%L%;)HJ>%($$/%d$7'"649%L%;)HJ>%($$/%
[+$$C%E'9%*'C$8%!"V;RH>0L;RHJ>%($$/%e$:9$+C%`C4'C%L%;RH>0%($$/%_4:"%d$"68f4CV%
?_4:"%bC78D%L%;RHJ>%($$H%1-$%24C4252%"2'5C9%'(%$",-%F"75$%+$7'"6%4:%;0H0&
.A)(;$%@J)@T%A)O&;A)(4
="?T%"@@B&?$%A)O&;A)(4
2)O&;A)<)?$#
Z'
Z'
1-$%24C4252%"#$%9'%"@@78%('+%"%@+$@"46%",,'5C9%4:%&R%8$"+:%'76H%1'%"@@78%('+%"C%
B,,'5C9Z'G%!+$@"46%_4:"%'+%*":9$+A"+6%,"+6/%8'5%G477%C$$6%9'%@+'F46$%8'5+%
C"2$/%@-'C$%C52N$+/%$2"47%"66+$::/%:',4"7%:$,5+498%C52N$+/%"C6%2"474C#%
"66+$::H%1'%+$,$4F$%8'5+%G$7,'2$%@",V"#$%"C6%@+$@"46%,"+6/%8'5%25:9%$C9$+%"%
@-8:4,"7%`HUH%"66+$::H%A"+6:%,"CC'9%N$%:$C9%9'%@':9%'a,$%?!HbHD%N'3$:H%%%%
,;A)@$%,)'B#;$
16R25,30
-\@]^^GGGH",,'5C9C'GH,'2^:$+F4,$:^($$L:,-$657$H":@3
+330*
-?;M">%6&A@J"#)L5@MQ"MB? 'C$LQ2$%:$95@%($$%'(%;RHJ>%
2)>B"( ;0%?9-4+6%@"+98%+$7'"6%($$:%G477%N$%"@@74$6%;0L;RHJ>D
589%."#J%S;$J(A"S">% ;.H>0%@$+%9+"C:",Q'C
.J)@T%6AB@)##;?K E$@$C6:%'C%9-4+6%@"+98%7'"6%F$C6'+:H%
0)@B?(%."A(%BA%5((;MB?">%."A(% Z'%,-"+#$%('+%'C$%A"+6%@$+%8$"+%('+%B,,'5C9Z'G%['76%E4+$,9%E$@':49%,5:9'2$+:S%
2)'>"@)<)?$ ;&0H00%@$+%+$O5$:9%'9-$+G4:$
,;A)@$%,)'B#;$ I+$$
9B?$J>P%9";?$)?"?@)%+)) ;>%
8A"?#"@MB? ;&%('+%!XZ%"C6%U4#C"95+$%@5+,-":$:
.&#$B<)A%0)AQ;@) ;0H>0%@$+%,"77%9'%"59'2"9$6%@-'C$%:8:9$2S%A"77%9'%74F$%"#$C9%L%;&%@$+%,"77%
=">"?@)%-?O&;AP% B1*%N"7"C,$%4CO54+8%L%;&%%%
.HJ>P
+BA);K?%.&AA)?@P%.B?Q)A#;B?%+))
7$J)A B1*%E$,74C$%I$$%L%;0HR0S%T477%U9'@%L%;.0%@$+%+$O5$:9S%A"+6%B,,'5C9%A7':5+$%A-$,V%
I$$%W%X(%8'5%6$,46$%9'%,7':$%8'5+%A"+6%B,,'5C9%"C6%+$O5$:9%"%,-$,V%9'%N+4C#%8'5+%
N"7"C,$%9'%Y$+'%L%;&>HJ>%%%
95/5R-/R%F712%.52,%7/!-/3
I7N%87%5E7-,%+330
Consumer Action
Page 9 of 109
M$:H%1$39%2$::"#$%"C6%$2"47%"7$+9:%C'Q(84C#%,"+6-'76$+%'(%7'G%N"7"C,$%"+$%"7:'%
"F"47"N7$H%%%%
M$:
M$:
A5:9'2$+%:$+F4,$%($$:%"+$%G"4F$6%('+%E4+$,9%E$@':49%,5:9'2$+:H%%%
!"#$%.%'(%)
.7/+-,3/8-5!-8F
X::5$+%2"8%64:,7':$%4C('+2"Q'C%9'%9-4+6%@"+Q$:%"N'59%8'5+%A"+6%'+%9-$%
9+"C:",Q'C:%8'5%2"V$]?&D%e-$+$%49%4:%C$,$::"+8%('+%,'2@7$QC#%9+"C:",Q'C:S
?.D%XC%'+6$+%9'%F$+4(8%9-$%$34:9$C,$%"C6%,'C64Q'C%'(%8'5+%A"+6%('+%"%9-4+6%@"+98/%
:5,-%":%2$+,-"C9S?)D%XC%'+6$+%9'%,'2@78%G49-%#'F$+C2$C9%"#$C,8/%,'5+9%'+6$+/%'+%
'9-$+%7$#"7%+$@'+QC#%+$O54+$2$C9:S?RD%X(%8'5%#4F$%5:%8'5+%G+4\$C%@$+24::4'CS%'+%
?>D%1'%'5+%$2@7'8$$:/%"5649'+:/%"a74"9$:/%:$+F4,$%@+'F46$+:/%'+%"\'+C$8:%":%
C$$6$6H%
62-E5.F%/78-.3
-\@]^^GGGH",,'5C9C'GH,'2^,'2@"C8^@+4F",8L@'74,8H":@3
Consumer Action
Page 10 of 109
!"#$%)%'(%)
!"#$%&'()*+,$#--)./0#1%$2
!"#$%&'("$)(*
9'$&:);<=);>5;
93E1%62%83,4%/00+1,
93E1%62%83,4
+,!%06+,81%62%83,4%/926
3?);BF"@%1G';)##
8";(<-=();%3>;))?)@$A7);?#%"@(%8-@(BC-@#
https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/personal/cardmembe
r/additionalproductsandservices/giftcardsandtravelerscheques/gpr_alert_terms_and_c
onditions.do?vgnextoid=84c11ee53713d210VgnVCM200000d0faad94RCRD&vgn
extchannel=95ddb81e8482a110VgnVCM100000defaad94RCRD&appInstanceNam
e=default&name=gpr_alert_terms_and_conditions&type=intbenefitdetail
+,!%-.%/00+1,
/00+1,%5D691
83,4%3H3/!3I/!/7J%K073710L
American Express Bluebird
www.bluebirdmoney.com
https://www.americanexpress.com/
?<<@A8A@B?8B
The Bluebird card is currently not available for sale in Arkansas or Vermont. Cards
purchased by residents in other states cannot be shipped to these two states, or
anywhere outside the United States.
24/8%/90+,14:
2,3+4%5,67187/69:
No
Card holder is not liable for fraudulent purchases. If your Card is lost or stolen,
contact Customer Service. You will be required to provide your name, address, Card
number, CID and other details for identification purposes. You agree to provide all
information and assistance reasonably requested in order to timely make a complete
investigation of the loss or theft, and issuer reserves the right to investigate the loss
or theft. If your Card is lost or stolen, you will be issued a replacement Card with a
value equal to the Available Funds on your Card at the time you notified issuer of the
loss or theft. Purchase Protection also available.
1,,6,%,106!+7/69:
Call the Customer Service Number or write American Express, PO Box 30383, Salt
Lake City, UT 84130 as soon as you can if you think your Online Transaction History or
receipt is wrong, if you believe that an unauthorized transaction has occurred or if you
need more information about a particular transaction. In the case of queries regarding
Online Transaction History, AmEx must hear from you no later than sixty (60) days
after the earlier of (i) the date you electronically access your Online Transaction
History, if the error could be viewed there, or (ii) the date the FIRST written history on
which the error appeared was sent. You may request a 60-day written history of your
transactions at any time by calling the Customer Service Number or writing us at
American Express, PO Box 30383, Salt Lake City, UT 84130. If you are delayed in
contacting AmEx due to extenuating circumstances (such as a hospital stay or
personal accident), we may extend this sixty (60) days for a reasonable time. AmEx
will determine whether an error or unauthorized transaction occurred within 10
business days after they hear from you and will correct any error or unauthorized
transaction promptly. AmEx may take up to 45 days to investigate your complaint or
question. AmEx will credit your account within 10 business days for the amount you
think is in error or relates to an unauthorized transaction, so that you will have the
money during the time it takes us to complete their investigation.
Consumer Action
Page 11 of 109
3'4#)5)67)8
!"#$%&'()*+,$#--)./0#1%$2
7)?'-;";N%8";(%
C7)D60)E'(F)F6)-F'$F)0-%(4)F:#)1/0#1%$2)G'$2)%""#2%'F#/D=)D60)&'(),0$&:'-#)')1/0#1%$2)
HF'$F#$)G'$2)'F),'$I&%,'I(4)$#F'%/)/6&'I6(-J)K60)26)(6F)(##2)F6)',,/D)76$)'),#$"'(#(F)
&'$2)F6)61F'%()')F#",6$'$D)&'$2J)!)LA),0$&:'-#)7##)',,/%#-)F6)D60$),0$&:'-#)67)')
F#",6$'$D)1/0#1%$2)HF'$F#$)G'$2J)M:#)F#",6$'$D)&'$2):'-)')L;A)"%(%"0")/6'2)
$#N0%$#"#(FJ)O6E#P#$=),/#'-#)(6F#)F:'F)1#(#QF-=)%(&/02%(4)30$&:'-#)3$6F#&I6(=)
%(F#$('I6('/)-,#(2=)$#/6'2)'1%/%FD=)'(2)-,#&%'/)*(F#$F'%("#(F)!&&#--=)'$#)(6F)'P'%/'1/#)6()
F:#)F#",6$'$D)1/0#1%$2)HF'$F#$)G'$2J)!)F#",6$'$D)1/0#1%$2)HF'$F#$)G'$2)"'D)(6F)1#)0-#2)
60F-%2#)67)F:#)RJHJ)M#",6$'$D)&'$2-)&'((6F)1#)$#/6'2#2J)K60)26)(6F)(##2)F6)-0,,/D)D60$)
-6&%'/)-#&0$%FD)(0"1#$)E:#(),0$&:'-%(4)')F#",6$'$D)&'$2J)
EB@B?&?%!-"( $25.00
E"GB?&?%I"="@F) $500
5);#-@"=BM)(%8";(
+01%62%83,4
EB@B?&?%!-"( $25.00
E"GB?&?%I"="@F) L;=A>>)
./0#1%$2)&'()1#)0-#2)'(DE:#$#)%()F:#)E6$/2)!"#$%&'()*+,$#--)G'$2-)'$#)'&&#,F#2J
83,4%,107,/87/690
M:#)'"60(F)F:#)1/0#1%$2)G'$2)R-#$)&'()E%F:2$'E)2#,#(2-)6()F:#)'P'%/'1/#)70(2-)6()F:#)
G'$2)'(2)',,/%&'1/#)!M9)/%"%F-=)10F)&'((6F)#+&##2)L;>>),#$)E##SJ)3CT)&'-:)1'&S)
F$'(-'&I6(-)'$#)(6F)'P'%/'1/#)E%F:)./0#1%$2J)M:#)"'+%"0")1/0#1%$2)1'/'(&#)'(2)
"'+%"0")"6(F:/D)/6'2)'"60(F)&'((6F)#+&##2)L;=A>>),#$)G'$2J)K60)"'D)&0$$#(F/D)/6'2)
0,)F6)LA>>)')2'D)F6)1/0#1%$2)P%')F:#)1/0#1%$2)U##2#$)3'&S=)-01V#&F)F6)',,/%&'1/#)G'$2)/6'2)
/%"%F-J
,)=-"(%5;-F)##
K60)"'D)$#/6'2)70(2-)6(F6)D60$),#$"'(#(F=),#$-6('/%W#2)&'$2)F:#)76//6E%(4)E'D-X)Y%$#&F)
2#,6-%FX)Z#F),'$F)6$)'//)67)D60$),'D&:#&S-)2#,6-%F#2)F6)1/0#1%$2)76$)7$##[).'(S)'&&60(FX)
!22)"6(#D)6(/%(#)F:$604:)D60$)1'(SJ)K60)&'()-#F)0,)-%(4/#)6$)'0F6"'I&)F$'(-7#$-)76$)7$##[)
G'-:X)!22)&'-:)E%F:)U##2#$)3'&S-)'P'%/'1/#)'F)-#/#&F)$#F'%/)/6&'I6(-)76$)L5J)!)1/0#1%$2)
U##2#$)3'&S)&6"#-)%()2#(6"%('I6(-)67)LA>)6$)L5>>J)
8;)(B$%F<)FO%;)P&B;)(:
I"@O%"FF-&@$%;)P&B;)(:
,)P&B;)?)@$#
T6
T6
!//)1/0#1%$2)R-#$-)"0-F)1#)'F)/#'-F)5\)D#'$-)67)'4#J
Consumer Action
Page 12 of 109
3'4#);)67)8
!"#$%&'()*+,$#--)./0#1%$2
4B;)F$%4)'-#B$
2110*
!-)G'$2),0$&:'-#$=)D60)"'D)'$$'(4#)F6):'P#)'//)6$),'$F)67)D60$),'D&:#&S)F$'(-7#$$#2)
2%$#&F/D)F6)F:#)G'$2)1D)D60$)#",/6D#$)6$)6F:#$)',,$6,$%'F#),'D6$J)M6)#($6//=)D60)E%//)(##2)
F6),$6P%2#)D60$)#",/6D#$)6$),'D6$)E%F:)F:#)2%$#&F)2#,6-%F)#($6//"#(F)76$")'P'%/'1/#)1D)
'&&#--%(4)D60$)6(/%(#)'&&60(F)'F)F:#)]#1-%F#)^D60$)#",/6D#$)"'D)$#N0#-F)F:'F)D60)Q//)60F)
'()'/F#$('F#)76$"_J)U0(2-)F$'(-7#$$#2)P%')2%$#&F)2#,6-%F)E%//)4#(#$'//D)1#)'P'%/'1/#)6()F:#)
2'D)F:#)F$'(-7#$)%-)$#&#%P#2J)C7)D60):'P#)'$$'(4#2)F6):'P#)2%$#&F)2#,6-%F-)"'2#)F6)F:#)G'$2=)
D60)"'D)$#P%#E)D60$)`(/%(#)M$'(-'&I6()O%-F6$D)6$)&'//)F:#)G0-F6"#$)H#$P%&#)T0"1#$)F6)
P#$%7D)F:'F)#'&:)2#,6-%F):'-)1##()"'2#J)]#)$#-#$P#)F:#)$%4:F)F6)'&&#,F=)$#V#&F)6$)/%"%F)
F$'(-7#$-)P%')2%$#&F)2#,6-%F)%()60$)-6/#)2%-&$#I6(J)K60)"'D)&'(&#/)D60$)2%$#&F)2#,6-%F)
'0F:6$%W'I6()'F)'(D)I"#)1D)-#(2%(4)')E$%a#()(6I&#)F6)D60$)#",/6D#$)'(2),$6P%2%(4)D60$)
#",/6D#$)'(2)0-)-0b&%#(F)I"#)F6)'&F)0,6()F:#)(6I&#J)K60$)#",/6D#$)"'D)F#$"%('F#)F:%-)
"#F:62)67),'D"#(F=)E%F:)6$)E%F:60F)&'0-#=)'F)'(D)I"#J)
/@BC"=%5&;F<"#)A0)$%+' )LA),0$&:'-#)7##)76$)F:#)F#",6$'$D)1/0#1%$2)HF'$F#$)G'$2J)K60)&'()61F'%()'),#$"'(#(F)
1/0#1%$2)G'$2)E%F:60F),0$&:'-%(4)')F#",6$'$D)HF'$F#$)G'$2)%()-F6$#)1D)P%-%I(4)F:#)&'$2c-)
E#1-%F#J)
,)=-"( L>)Y%$#&F)2#,6-%F)'(2)1'(S)F$'(-7#$-J)L5)U##2#$)3'&S)7##)76$)&'-:)/6'2-J
37E%8"#<%QB$<(;"Q"=% !"#$%&'()*+,$#--)&:'$4#-)(6)7##)76$)F:#)Q$-F)!M9)E%F:2$'E'/)#'&:)"6(F:J)!d#$)F:'F=)D60)
E%//)1#)&:'$4#2)')L;J>>)7##),#$)!M9)E%F:2$'E'/)6()D60$)G'$2J)3/#'-#)(6F#X)!M9)
6E(#$-e6,#$'F6$-)"'D)&:'$4#)F:#%$)6E()7##-)76$)#'&:)E%F:2$'E'/)6$)6F:#$)0-#)67)F:#%$)
!M9-J)T6)&'-:)1'&S)E%F:)3CT)F$'(-'&I6()'P'%/'1/#J)
0)F-@(%8";(%-;%3((BC-@"=%8";(%,)'="F)?)@$ L>J)C7)D60c$#)6P#$)F:#)'4#)67)5?=)D60)"'D)6$2#$)'(2)"'('4#)0,)F6)\)1/0#1%$2)G'$2-J
E-@$<=N%E"B@$)@"@F)%2)) L>)
7;"@#"FC-@# L>)
IB==%5"N T6F)'P'%/'1/#
8&#$-?);%0);RBF) L>)
I"="@F)%/@P&B;N% L>)!M9)1'/'(&#)%(N0%$%#-[)G:#&S)D60$)1'/'(&#)1D)&'//%(4)G0-F6"#$)H#$P%&#)'(DI"#)'F)?<<@
A8A@B?8B)^C(F#$('I6('/)G6//#&F)?>8>\AA<_=)/644%(4)%(F6)D60$)'&&60(F)6(/%(#)6$)F#+I(4)
f.!gf)h)g'-F)8)G'$2)(0"1#$)2%4%F-)^%J#J)f.!g)iiiif_)F6)j5\5A)6(&#)F#+F)'/#$F-)'$#)#('1/#2)
'(2):'P#)1##()-#F)0,J
2-;)B>@%8&;;)@FN%8-@R);#B-@%2)) L>J>>)
6$<);
E393S/9S%J6+,%83,4%69!/91
Consumer Action
Page 13 of 109
K#-J)g64)%()F:$604:)k9D)!&&60(F)G#(F#$l)F6)F$'&S),0$&:'-#-=)P%#E)D60$)1'/'(&#=)-#F)0,)
'/#$F-)'(2)#P#()"'('4#)0,)F6)F:$##)G'$2-)6()D60$)'&&60(FJ
3'4#)\)67)8
!"#$%&'()*+,$#--)./0#1%$2
T6
K#-
D6T%76%3H6/4%2110
!P6%2)F:#)LA),0$&:'-#)7##)67)F:#)-F'$F#$)&'$2)1D)',,/D%(4)6(/%(#)6$)6P#$)F:#),:6(#J)M:#)
&'$2)E%//)1#)-#(F)F6)D60)%()F:#)"'%/J)
8692/4197/3!/7J
!"*+)61F'%(-)%(76$"'I6()'160F)D60)7$6")')P'$%#FD)67)-60$&#-J)M:%-)%(&/02#-)D60$)('"#=)
'22$#--=)-6&%'/)-#&0$%FD)(0"1#$=)'(2)%(&6"#)'(2)'--#F)%(76$"'I6(J)K60$)0-#)67)F:#)G'$2)
'(2)D60$)6F:#$)F$'(-'&I6(-),$6P%2#)!"*+)E%F:)'22%I6('/)%(76$"'I6(=)-0&:)'-)D60$)
-,#(2%(4)'(2),'D"#(F):%-F6$DJ)`F:#$)-60$&#-=)-0&:)'-)&$#2%F)$#,6$I(4)'4#(&%#-)'(2)
,$6P%2#$-)67)"'$S#I(4)%(76$"'I6(=)70$(%-:)!"*+)E%F:)'22%I6('/)%(76$"'I6()'160F)D60$)
&$#2%F):%-F6$D=),0$&:'-%(4),$#7#$#(&#-=)'(2)6F:#$)"'a#$-J)!"*+)'/-6)61F'%(-)%(76$"'I6()
'160F)D60)%()&6((#&I6()E%F:)%F-)#m6$F-)F6),$6F#&F)'4'%(-F)7$'02J)M:#D)&'//)'//)67)F:%-)
%(76$"'I6()fG'$2"#"1#$)C(76$"'I6(Jf))C7)D60$)G'$2)%-)'--6&%'F#2)E%F:)')n#$"6(F)
'22$#--=)E#)E%//)'0F6"'I&'//D)F$#'F)D60$)G'$2)'-)%7)D60):'2)%(76$"#2)0-)(6F)F6)-:'$#)D60$)
&$#2%F@$#/'F#2)%(76$"'I6()E%F:)60$)!b/%'F#-J)!(D)U0(2%(4)H60$&#)'--6&%'F#2)E%F:)')G'$2)
"0-F)1#)6E(#2)1D)F:#),0$&:'-#$)67)F:'F)G'$2J
5,/H38J%967/81
r/additionalproductsandservices/giftcardsandtravelerscheques/gpr_privacy_notice.do?
vanity=americanexpress.com/prepaidprivacy&vgnextoid=54901ee53713d210VgnVCM
200000d0faad94RCRD&vgnextchannel=95ddb81e8482a110VgnVCM100000defaad94R
CRD&appInstanceName=default&name=gpr_privacy_notice&type=intbenefitdetail
6$<);%/@.-
)!-)')G'$2"#"1#$)D60)'$#)#/%4%1/#)F6),'$I&%,'F#)%()F:#)!"#$%&'()*+,$#--)o6'2-%2#)
!--%-F'(&#)3$64$'")'(2)30$&:'-#)3$6F#&I6(
Consumer Action
Page 14 of 109
3'4#)8)67)8
American Express for Target Prepaid Card
!"#$%&'("$)(*
*$+,%-.%-/&-
6-?3%1+%4-,/%5<<.3,
6-?3%1+%4-,/
.,!%<1.,43%1+%4-,/%56+1
-@)ABC"D%3E'A)##
4"A(FGH()A%-IA))@)D$J2)A@#%"D(%
4GD(BKGD#
https://www212.americanexpress.com/dsmlive/dsm/dom/us/en/personal/cardmember/additi
onalproductsandservices/giftcardsandtravelerscheques/targetcmagreement.do?vgnextoid=844
a7f72f2faa210VgnVCM200000d0faad94RCRD&vgnextchannel=95ddb81e8482a110VgnVCM10
0000defaad94RCRD&appInstanceName=default&name=targetcmagreement&type=intbenefitd
etail
.,!%GL%5<<.3,
4567899:::,";$<=>"?$@6<$77,>';9
5<<.3,%0>163
4-,/%-8-5!-95!52:%;<2-23<=
+/54%56<.,3/7
000102-13&/)%
+,-./%0,123425167
If your Card is lost or stolen, contact Customer Service at 888-872-9105 (International Collect
80849-2261) immediately. You will be required to provide your name, address, Card number
and other details for identification purposes. Upon your report to us of loss or theft, your Card
will be suspended and no further transactions or purchases with the Card will be permitted. A
replacement Card will be issued to you with a value equal to the Available Funds on the Card
at the time you notified us of the loss or theft. You will be required to activate the
replacement Card before use.
onalproductsandservices/giftcardsandtravelerscheques/targetportal.do?vgnextoid=2c28707ff6
ff9210VgnVCM100000defaad94RCRD
Card not available for sale in Arkansas (AR) and Vermont (VT)
No
You are not liable for fraudulent transactions or purchases with the Card. If you believe that
an unauthorized transaction has occurred after your Card was lost or stolen, please follow the
instructions described in the section entitled “Errors or Questions About Transactions Related
to the Card.” You agree to provide us all information and assistance reasonably requested to
make a complete investigation and determination with respect to the loss or theft, or the
occurrence of any fraudulent transactions or purchases on, your Card, and we reserve the
right to complete such investigation.
Consumer Action
Page 15 of 109
!"#$%&%'(%)
A"BB%AC7D';$<%E$<F=>$%"D%000102-13&/)%GH?D$<?"I'?"B%A'BB$>D%0/0J31--K&L%'<%:<=D$%M;$<=>"?%
N@6<$77%"D%D4$%"OO<$77%+$B':%"7%7''?%"7%P'C%>"?%=(%P'C%D4=?Q%P'C<%R?B=?$%S<"?7">I'?%T=7D'<P%'<%
<$>$=6D%=7%:<'?#%'<%=(%P'C%?$$O%;'<$%=?('<;"I'?%"+'CD%"%6"<I>CB"<%D<"?7">I'?,%U$%;C7D%4$"<%
(<';%P'C%?'%B"D$<%D4"?%7=@DP%GK/L%O"P7%"V$<%D4$%$"<B=$<%'(%G=L%D4$%O"D$%P'C%$B$>D<'?=>"BBP%">>$77%P'C<%
R?B=?$%S<"?7">I'?%T=7D'<P.%=(%D4$%$<<'<%>'CBO%+$%F=$:$O%D4$<$.%'<%G==L%D4$%O"D$%:$%7$?D%D4$%*HWES%
:<=5$?%4=7D'<P%'?%:4=>4%D4$%$<<'<%"66$"<$O,%X'C%;"P%<$YC$7D%"%7=@DP%GK/L%O"P%:<=5$?%4=7D'<P%'(%
P'C<%D<"?7">I'?7%"D%"?P%I;$%+P%>"BB=?#%AC7D';$<%E$<F=>$%"D%000102-13&/)%GH?D$<?"I'?"B%A'BB$>D%
0/0J31--K&L%'<%:<=I?#%C7%"D%M;$<=>"?%N@6<$77.%!R%Z'@%[/[0[.%E"BD%\"Q$%A=DP.%]S%0J&[/,
3,,1,%,3<1!.25167
H(%P'C%"<$%O$B"P$O%=?%>'?D">I?#%C7%OC$%D'%$@D$?C"I?#%>=<>C;7D"?>$7%G7C>4%"7%"%4'76=D"B%7D"P%'<%
6$<7'?"B%">>=O$?DL.%:$%;"P%$@D$?O%D4=7%7=@DP%GK/L%O"P7%('<%"%<$"7'?"+B$%I;$,%U4$?%P'C%>"BB8
%%%%S$BB%C7%P'C<%?";$%"?O%A"<O%?C;+$<^
%%%%_$7><=+$%D4$%$<<'<%'<%D4$%D<"?7">I'?%P'C%"<$%C?7C<$%"+'CD.%"?O%$@6B"=?%"7%>B$"<BP%"7%P'C%>"?%:4P%
P'C%+$B=$F$%=D%=7%"?%$<<'<%'<%:4P%P'C%?$$O%;'<$%=?('<;"I'?^
%%%%S$BB%C7%D4$%O'BB"<%";'C?D%'(%D4$%7C76$>D$O%$<<'<^%"?O
%%%%S$BB%C7%"66<'@=;"D$BP%:4$?%D4$%$<<'<%D''Q%6B">$,
U$%:=BB%O$D$<;=?$%:4$D4$<%"?%$<<'<%'>>C<<$O%:=D4=?%D$?%G&/L%+C7=?$77%O"P7%"V$<%:$%4$"<%(<';%P'C%
"?O%:=BB%>'<<$>D%"?P%$<<'<%6<';6DBP,%H(%:$%?$$O%;'<$%I;$.%4':$F$<.%:$%;"P%D"Q$%C6%D'%('<DP1`F$%
GJ)L%O"P7%D'%=?F$7I#"D$%P'C<%>';6B"=?D%'<%YC$7I'?,%H(%:$%O$>=O$%D'%O'%D4=7.%:$%:=BB%6<'F=7='?"BBP%
><$O=D%P'C<%A"<O%:=D4=?%D$?%G&/L%+C7=?$77%O"P7%('<%D4$%";'C?D%P'C%<$6'<D$O%=7%=?%$<<'<.%7'%D4"D%P'C%
:=BB%4"F$%D4$%;'?$P%OC<=?#%D4$%I;$%=D%D"Q$7%C7%D'%>';6B$D$%'C<%=?F$7I#"I'?,%H(%P'C%>"BB%C7%:=D4%
P'C<%>';6B"=?D%'<%YC$7I'?%"?O%:$%"7Q%P'C%OC<=?#%D4"D%>"BB%D'%6CD%P'C<%>';6B"=?D%'<%YC$7I'?%=?%
:<=I?#.%"?O%:$%O'%?'D%<$>$=F$%=D%:=D4=?%&/%+C7=?$77%O"P7.%:$%;"P%?'D%><$O=D%P'C<%A"<O,%A';6B"=?D7%
'<%YC$7I'?7%7C+;=5$O%=?%:<=I?#%74'CBO%+$%;"=B$O%D'%M;$<=>"?%N@6<$77%('<%S"<#$D%A"<O.%_=76CD$%
*'<;.%J[&)%E%-2//%U.%E"BD%\"Q$%A=DP.%]S%0J&0J%a%/JJ/,
The Card purchased at Target locations is temporary. Once your information has been verified,
a personalized card will be sent to you in the mail.
23?01,-,:%4-,/
?BDB@&@%!G"( $0.01
?"EB@&@%9"H"DC) b)//%G'?>$%H_%=7%"66<'F$O.%D$;6'<"<P%>"<O%;"@%+"B"?>$%=7%=?><$"7$O%D'%b-.)//L
Consumer Action
Page 16 of 109
!"#$%-%'(%)
,)#$ABCKGD# X'C%:=BB%?'D%+$%"+B$%D'%<$B'"O%P'C<%D$;6'<"<P%A"<O%:=D4%(C?O7%C?IB%P'C<%>C7D';$<%=?('<;"I'?%4"7%
+$$?%F$<=`$O.%:4=>4%>'CBO%D"Q$%C6%D'%D:'%G-L%+C7=?$77%O"P7%(<';%I;$%'(%6C<>4"7$.%"?O%P'C%:=BB%?'D%
+$%"+B$%D'%">>$77%(C?O7%(<';%"?%MSe%C?IB%P'C<%>C7D';$<%=?('<;"I'?%4"7%+$$?%F$<=`$O,%RD4$<%A"<O%
(C?>I'?"B=DP%;"P%+$%B=;=D$O%C?IB%:$%>';6B$D$%F$<=`>"I'?%'(%P'C<%=O$?IDP%"?O9'<%P'C%4"F$%
<$>$=F$O%"?O%">IF"D$O%P'C<%6$<7'?"B=f$O%A"<O,%X'C%:=BB%+$%?'I`$O%'(%7C>>$77(CB%G'<%C?7C>>$77(CBL%
=O$?IDP%F$<=`>"I'?%+P%;"=B.%$;"=B%'<%64'?$.%C7=?#%D4$%=?('<;"I'?%P'C%6<'F=O$O%"D%D4$%I;$%'(%
6C<>4"7$,%S4$%=?('<;"I'?%>'BB$>D$O%"D%D4$%I;$%"%D$;6'<"<P%>"<O%=7%6C<>4"7$O%=7%?";$.%"OO<$77.%
_RZ.%7'>="B%7$>C<=DP%?C;+$<,%X'C%"<$%"+B$%D'%<$B'"O%"%D$;6'"<"<P%>"<O,%
Upon successful verification of your identity, you will be shipped, via U.S. mail to the address
you provided when purchasing the Card, a personalized Card that will replace the Card you
purchased at Target. Your personalized Card must be activated upon receipt, either by calling
the toll-free number provided on the activation sticker adhered to your personalized Card or
by visiting americanexpress.com/activate-target. Upon activation of your personalized Card,
the balance on the Card initially purchased at Target will be transferred to your personalized
Card and the Card Initially purchased at Target will be deactivated.
0)A#GD"HBM)(%4"A(
?BDB@&@%!G"( $0.01
?"EB@&@%9"H"DC) b-.)//%
.<3%1+%4-,/
]7$%P'C<%A"<O%"D%;=BB='?7%'(%B'>"I'?7%=?%D4$%],E,%:4$<$%M;$<=>"?%N@6<$77%A"<O7%"<$%
">>$6D$Oc=?>BCO=?#%'?B=?$%"?O%"D%"%;"d'<=DP%'(%MSe7,%
4-,/%,3<2,542516<
X'C%;"P%C7$%D4$%A"<O%D'%'+D"=?%C6%D'%b-//%6$<%:$$Q.%6BC7%"?P%($$7%"77$77$O,%U$%;"P%>4"?#$%D4=7%
";'C?D%"D%"?P%I;$%('<%B$#"B.%<=7Q%;"?"#$;$?D%'<%7$>C<=DP%6C<6'7$7,%X'C%>"?%C7$%D4$%A"<O%"D%"%
;"d'<=DP%'(%D4$%MSe7%=?%D4$%]E,%T':$F$<.%P'C%;"P%?'D%C7$%D4$%A"<O%"D%MSe7%'CD7=O$%'(%D4$%]E,
,)HG"(%0AGC)##
X'C%>"?%"OO%(C?O7%D'%P'C<%A"<O%"D%"?P%S"<#$D%7D'<$.%'?B=?$%G";$<=>"?$@6<$77,>';9D"<#$DL%'<%+P%
>"BB=?#%AC7D';$<%E$<F=>$%000102-13&/),%N">4%I;$%P'C%<$B'"O%D4$%A"<O%P'C%>"?%"OO%(<';%b,/&%D'%
b&.///%D'%D4$%A"<O,%S4$<$%=7%?'%'?#'=?#%;=?=;C;%+"B"?>$%<$YC=<$;$?D.%+CD%D4$%;"@=;C;%+"B"?>$%
P'C%>"?%4"F$%'?%P'C<%A"<O%"D%"?P%#=F$?%I;$%=7%b-.)//,%X'C%>"?%4"F$%C6%D'%D:'%A"<O7%=77C$O%D'%P'C,%
S4$%;"@=;C;%+"B"?>$%P'C%>"?%>"<<P%6$<%A"<O.%"D%"?P%#=F$?%I;$.%=7%b-.)//.%"?O%P'C%>"??'D%B'"O%
;'<$%D4"?%b).///%"><'77%+'D4%A"<O7%'F$<%"%-0%O"P%6$<='O,%
4A)(B$%CF)CN%A)O&BA)(7
9"DN%"CCG&D$%A)O&BA)(7
g'
g'
Consumer Action
Page 17 of 109
!"#$%[%'(%)
,)O&BA)@)D$#
X'C%;C7D%+$%&0%P$"<7%'(%"#$%'<%'BO$<%"?O%4"F$%"%F"B=O%E'>="B%E$>C<=DP%gC;+$<%D'%6C<>4"7$%"?%
M;$<=>"?%N@6<$77%('<%S"<#$D%A"<O,%
/BA)C$%/)'G#B$
g'
+33<*
5DBK"H%0&ACF"#)J<)$%.' b/%
,)HG"( b[%B'"O7%"D%S"<#$D%ED'<$7%C7=?#%>"74.%><$O=D%>"<O%"?O%O$+=D%>"<O,%b/%Z"?Q%">>'C?D%D<"?7($<%"B7'%
"F"=B"+B$%'?>$%P'C%4"F$%7$D%C6%"?%'?B=?$%">>'C?D,%b/%'?B=?$%h%64'?$%<$B'"O7%C7=?#%P'C<%O$7=#?"D$O%
>4$>Q=?#%'<%7"F=?#7%">>'C?D,%A4$>Q%>"74=?#%;"P%+$%"F"=B"+B$%=?%7D'<$.%O$6$?O=?#%'?%D4$%S"<#$D%
7D'<$i7%"F"=B"+=B=DP,
-2?%4"#F%PB$F(A"P"H% b[%MSe%:=D4O<":"B7.%&%(<$$%"D;%:=D4O<":"B%6$<%;'?D4%G"%7$6"<"D$%MSe%($$%+P%D4$%MSe%':?$<%;"P%
"B7'%"66BPL
<)CGD(%4"A(%GA%,)'H"C)@)D$%4"A( b/%
?GD$FHQ%?"BD$)D"DC)%+)) b/%
2A"D#"CKGD# b/%
9"H"DC)%5DO&BAQ b/%
+GA)BID%4GDR)A#BGD b/%
?-6-S56S%:1.,%4-,/%16!563
Consumer Action
Page 18 of 109
MV$<%P'C%6C<>4"7$%"%A"<O.%P'C%:=BB%+$%"+B$%D'%7$D%C6%'?B=?$%">>$77%('<%D4$%A"<O%"?O%O$7=#?"D$%"%
6$<7'?"B%6"77:'<O%D4"D%P'C%;"P%C7$%D'%7=#?%=?%"D%";$<=>"?$@6<$77,>';9D"<#$D%GD4$%jU$+7=D$kL%
:4$<$%P'C%;"P.%";'?#%'D4$<%">I'?7.%>4$>Q%P'C<%A"<Ol7%MF"=B"+B$%Z"B"?>$.%F=$:%P'C<%D<"?7">I'?%
4=7D'<P%GjR?B=?$%S<"?7">I'?%T=7D'<PkL.%"?O%"V$<%7C>>$77(CB%F$<=`>"I'?%'(%P'C<%=O$?IDP.%O$7=#?"D$%"%
*C?O=?#%E'C<>$%G"7%O$`?$O%=?%D4$%7$>I'?%$?IDB$O%j_$7=#?"I?#%"%*C?O=?#%E'C<>$k%+$B':L%D'%<$B'"O%
(C?O7%'?B=?$%"?O%+P%64'?$.%"?O%7=#?%C6%('<%"?O%;"?"#$%M>>'C?D%MB$<D7,%S4$7$%MB$<D7%>"?%6<'F=O$%
P'C%:=D4%?'I>$%D4"D%"%A"<O%D<"?7">I'?%4"7%'>>C<<$O.%D4"D%P'C<%A"<O%4"7%"%B':%+"B"?>$%"?O%D4"D%"%
<$B'"O%4"7%'>>C<<$O.%";'?#%'D4$<7,
!"#$%J%'(%)
183,/,-+2
H(%"%;$<>4"?D%"CD4'<=f$7%"%D<"?7">I'?%('<%"?%";'C?D%#<$"D$<%D4"?%D4$%M;$<=>"?%N@6<$77%('<%S"<#$D%
A"<O;$;+$<i7%"F"=B"+B$%+"B"?>$.%D4$%M;$<=>"?%N@6<$77%('<%S"<#$D%A"<O%:=BB%#$?$<"BBP%+$%O$>B=?$O,%
T':$F$<.%=?%<"<$%>=<>C;7D"?>$7.%"%;$<>4"?D%;"P%6<'>$77%"%D<"?7">I'?%:=D4'CD%6<='<%"CD4'<=f"I'?.%
'<%"?%";'C?D%#<$"D$<%D4"?%"%A"<Oi7%">DC"B%"F"=B"+B$%+"B"?>$%;"P%+$%"CD4'<=f$O,%H(%D4=7%'>>C<7.%P'C%
;"P%+$%?'I`$O%D'%B'"O%;'<$%(C?O7%'?D'%D4$%A"<O,%S4$<$%"<$%?'%'F$<O<"V%($$7,
U4=B$%D4=7%O'$7%?'D%4"66$?%'V$?.%=D%=7%=;6'<D"?D%D'%Q$$6%D<">Q%'(%P'C<%+"B"?>$%"?O%<$B'"O%(C?O7%"7%
?$$O$O,%S'%4$B6%D<">Q%P'C<%+"B"?>$.%P'C%>"?%'6D%D'%<$>$=F$%$1;"=B%'<%D$@D%"B$<D7%:4$?%D4$%+"B"?>$%
'?%D4$%A"<O%("BB7%+$B':%b-/,%U4=B$%M;$<=>"?%N@6<$77%O'$7%?'D%>4"<#$%('<%D$@D%;$77"#$7.%P'C<%
;'+=B$%7$<F=>$%6<'F=O$<i7%;$77"#$%"?O%O"D"%<"D$7%;"P%"66BP,
g'
X$7
>1T%21%-815/%+33<
&%(<$$%MSe%:=D4O<":"B%"%;'?D4,%*<$$%'?B=?$%h%64'?$%<$B'"O7%C7=?#%P'C<%O$7=#?"D$O%>4$>Q=?#%'<%
7"F=?#7%">>'C?D,
416+5/3625-!52:
U$%'+D"=?%=?('<;"I'?%"+'CD%P'C%(<';%"%F"<=$DP%'(%7'C<>$7,%X'C%6<'F=O$%C7%:=D4%=?('<;"I'?%"+'CD%
P'C<7$B(.%('<%$@";6B$.%+P%>';6B$I?#%D4$%A"<O;$;+$<%$?<'BB;$?D%6<'>$77,%S4=7%=?>BCO$7%P'C<%
?";$.%"OO<$77.%7'>="B%7$>C<=DP%?C;+$<.%"?O%=?>';$%"?O%"77$D%=?('<;"I'?,%X'C<%C7$%'(%D4$%A"<O%"?O%
P'C<%'D4$<%D<"?7">I'?7%:=D4%C7%"?O%'C<%MmB="D$7%6<'F=O$%C7%:=D4%"OO=I'?"B%=?('<;"I'?.%7C>4%"7%
P'C<%76$?O=?#%"?O%6"P;$?D%4=7D'<P,%RD4$<%7'C<>$7.%7C>4%"7%><$O=D%<$6'<I?#%"#$?>=$7%"?O%6<'F=O$<7%
'(%;"<Q$I?#%=?('<;"I'?.%(C<?=74%C7%:=D4%"OO=I'?"B%=?('<;"I'?%"+'CD%P'C<%><$O=D%4=7D'<P.%
6C<>4"7=?#%6<$($<$?>$7.%"?O%'D4$<%;"5$<7,%U$%"B7'%'+D"=?%=?('<;"I'?%"+'CD%P'C%=?%>'??$>I'?%
:=D4%'C<%$n'<D7%D'%6<'D$>D%"#"=?7D%(<"CO,%U$%>"BB%"BB%'(%D4=7%=?('<;"I'?%jA"<O;$;+$<%H?('<;"I'?,k%
H(%P'C%O'%?'D%:"?D%M;N@%D'%C7$%P'C<%A"<O;$;+$<%H?('<;"I'?%D'%>';;C?=>"D$%:=D4%P'C%+P%;"=B%'<%
D$B$64'?$%"+'CD%'n$<7.%=?>BCO=?#%$@>BC7=F$%6"<D?$<%'n$<7%"?O%'n$<7%(<';%'C<%MmB="D$7.%'<%74"<$%
P'C<%><$O=D1<$B"D$O%=?('<;"I'?%:=D4%'C<%MmB="D$7.%>"BB%0//12--10K&J,
0,58-4:%612543
onalproductsandservices/giftcardsandtravelerscheques/target_privacy.do?vgnextoid=83d6838
cdbd9d210VgnVCM200000d0faad94RCRD&vgnextchannel=95ddb81e8482a110VgnVCM10000
0defaad94RCRD&appInstanceName=default&name=target_privacy&type=intbenefitdetail
1$F)A%5DLG
M7%"%>"<O;$;+$<%P'C%"<$%$B=#=+B$%D'%6"<I>=6"D$%=?%D4$%M;$<=>"?%N@6<$77%W'"O7=O$%M77=7D"?>$%
!<'#<";%"?O%D4$%!C<>4"7$%!<'D$>I'?
Consumer Action
Page 19 of 109
!"#$%)%'(%)
American Express Prepaid Card
!"#$%&'("$)(*
*$+,-",.%&/%01&0
57;1%92%47,3%/00+1,
57;1%92%47,3
+,!%09+,41%92%47,3%/529
7@)<CK"A%1L'<)##
4"<(=->()<%7?<))@)A$B:)<@#%"A(%4-A(CD-A#
r/additionalproductsandservices/giftcardsandtravelerscheques/gpr_cardmemberagree
ment.do?vgnextoid=0b52457192b2d210VgnVCM100000defaad94RCRD&vgnextchann
el=95ddb81e8482a110VgnVCM100000defaad94RCRD&appInstanceName=default&na
me=gpr_cardmemberagreement&type=intbenefitdetail
+,!%-.%/00+1,
https://www.americanexpress.com/
/00+1,%8E951
47,3%7F7/!7G/!/:H%I0:7:10J
233401545651
23/4%/50+,136
2,7+3%8,9:14:/956
No
You are not liable for fraudulent purchases. If your Card is lost or stolen, contact us
immediately at the Customer Service Number. You will be required to provide your
name, address, Card number, CID and other details for identification purposes. You
agree to provide us all information and assistance reasonably requested in order to
timely make a complete investigation of the loss or theft, and we reserve the right to
investigate the loss or theft. If your Card is lost or stolen, we will issue you a
replacement Card with a value equal to the Available Funds on your Card at the time
you notified us of the loss or theft. If you believe that an unauthorized transaction has
occurred after your Card was lost or stolen, please follow the instructions described in
the section entitled "Errors or Questions about Transactions related to the Card."
Consumer Action
Page 20 of 109
r/additionalproductsandservices/giftcardsandtravelerscheques/gpr_howitworks.do?vgn
extoid=d22b9484214ec210VgnVCM100000defaad94RCRD&vgnextchannel=95ddb81e
8482a110VgnVCM100000defaad94RCRD&appInstanceName=default&name=gpr_howi
tworks&type=intbenefitdetail
The American Express Prepaid Card is not available for sale in Arkansas and Vermont.
Cards purchased by residents in other states cannot be shipped to these two states.
!"#$%&%'(%)
1,,9,%,109!+:/956
Call us at the Customer Service Number or write us at American Express, PO Box
30383, Salt Lake City, UT 84130 as soon as you can if you think your Online
Transaction History or receipt is wrong, if you believe that an unauthorized transaction
has occurred or if you need more information about a particular transaction. In the
case of queries regarding Online Transaction History, we must hear from you no later
than sixty (60) days after the earlier of (i) the date you electronically access your
Online Transaction History, if the error could be viewed there, or (ii) the date we sent
the FIRST written history on which the error appeared. You may request a 60-day
written history of your transactions at any time by calling us at the Customer Service
Number or writing us at American Express, PO Box 30383, Salt Lake City, UT 84130. f
you are delayed in contacting us due to extenuating circumstances (such as a hospital
stay or personal accident), we may extend this sixty (60) days for a reasonable time.
8)<#-A">CM)(%4"<(
The American Express Prepaid Card is accepted virtually everywhere American
Express Cards are accepted worldwide.
+01%92%47,3
;CAC@&@%!-"( $25.00
;"LC@&@%G">"AK) L0/M11%
78$%9:$,;<"=%>?@,$AA%!,$@";B%C",B%<"=%+$%-A$B%"D%E;,D-"FF.%"=.%:$,<8"=D%D8"D%"<<$@DA%
9:$,;<"=%>?@,$AA%C",BA%G',FBG;B$H%78;A%;=<F-B$A%:";F4',B$,/%'=F;=$%"=B%;=4AD',$%F'<"I'=AH%
J'-%<"=%"FA'%-A$%;D%D'%G;D8B,"G%<"A8%(,':%97KA%
47,3%,10:,/4:/950
78$%":'-=D%'(%$"<8%<"A8%F'"B%D'%D8$%C",B%:-AD%+$%"D%F$"AD%L0MH11H%N'%:',$%D8"=%
L0/M11H11%OHPH%:".%+$%F'"B$B%D'%D8$%C",B%;=%"=.%024B".%@$,;'B/%"=B%='%:',$%D8"=%LM11H11%
OHPH%:".%+$%F'"B$B%D'%D8$%C",B%-A;=#%"%K'=$.@"Q%;=%"=.%B".H%9%K'=$.!"Q%F'"B$B%G;D8%
:',$%D8"=%LM11H11%OHPH%<"=='D%+$%-A$B%D'%F'"B%D8$%C",BH%78$%:"?;:-:%+"F"=<$%'(%
9E";F"+F$%*-=BA%F'"B$B%'=%.'-,%C",B%"D%"=.%I:$%;A%L0/M11H11H%78$%C",B%:".%='D%+$%-A$B%;=%
<"A;='A%',%(',%<",%,$=D"F%,$A$,E"I'=AH%78$%9:$,;<"=%>?@,$AA%!,$@";B%C",B%:".%='D%+$%-A$B%
(',%;FF$#"F%"<IE;I$AH%78$,$%;A%"%L011%:"?;:-:%97K%G;D8B,"G"F%@$,%G$$QH%C"A8%+"<Q%
D8,'-#8%!RN%@-,<8"A$A%;A%='D%"E";F"+F$H%
,)>-"(%8<-K)##
J'-%:".%F'"B%(-=BA%D'%.'-,%C",B%(,':%"%+"=Q%"<<'-=D%"D%"=.%I:$H%J'-%:".%"FA'%F'"B%(-=BA%
D'%.'-,%C",B%-A;=#%"%S,$$=%T'D%K'=$.!"Q%"=B%'D8$,%<"A8%(-=B;=#%A'-,<$H%9:>?%,$A$,E$A%
D8$%,;#8D%D'%B$F".%D8$%"E";F"+;F;D.%'(%(-=BA%F'"B$B%D'%.'-,%C",B%(,':%.'-,%*-=B;=#%P'-,<$%',%
'D8$,%(-=B;=#%:$D8'B%-=IF%A-<8%(-=BA%8"E$%<F$",$B%"=B%@'AD$B%D'%.'-,%C",BH%
R=%',B$,%D'%F'"B%(-=BA%D'%D8$%C",B%-A;=#%"%K'=$.!"Q/%@-,<8"A$%"%K'=$.!"Q%G;D8%<"A8%"D%"%
@",I<;@"I=#%,$D";F$,%;=%"D%F$"AD%D8$%":'-=D%.'-%G"=D%F'"B$B%D'%D8$%C",BH%7'%F'"B%D8$%(-=BA%
'=%D8$%K'=$.!"Q%D'%D8$%C",B/%2114)564U3U3%',%#'%D'%K'=$.!"QH<':H%9%L)H6M%($$%;A%
<8",#$B%+.%S,$$=%T'D%D'%@-,<8"A$%"=B%-A$%"%K'=$.!"Q/%+-D%D8$,$%",$%='%"BB;I'="F%($$A%
"AA$AA$B%+.%9:>?%(',%"%<"A8%F'"B%E;"%K'=$.!"QH%
4<)(C$%K=)KN%<)O&C<)(6
G"AN%"KK-&A$%<)O&C<)(6
Consumer Action
Page 21 of 109
N'
N'
!"#$%0%'(%)
,)O&C<)@)A$#
K-AD%+$%&2%.$",A%'FB%"=B%:-AD%@,'E;B$%A'<;"F%A$<-,;D.%=-:+$,%G8$=%"@@F.;=#%(',%<",BH%
3C<)K$%3)'-#C$
N'D%"E";F"+F$
2110*
/ACD">%8&<K="#)B0)$%+' L1%
,)>-"( L1V%W78;,B%@",D.%<"A8%,$F'"B%($$%-@%D'%L)H6MX
7:;%4"#=%QC$=(<"Q">% 9:$,;<"=%>?@,$AA%@,'E;B$A%'=$%(,$$%97K%G;D8B,"G"F%@$,%<"F$=B",%:'=D8H%78$,$"Y$,/%"%($$%
'(%L0H11%;A%"AA$AA$B%"#";=AD%D8$%+"F"=<$%'(%D8$%C",BH
!F$"A$%='D$Z%97K%'G=$,A['@$,"D',A%:".%"FA'%<8",#$%D8$;,%'G=%($$A%(',%$"<8%G;D8B,"G"FH
0)K-A(%4"<(%-<%,)'>"K)@)A$%4"<( L1H%%9=%"B-FD%'E$,%D8$%"#$%'(%&2%:".%',B$,%"=B%:"="#$%-@%D'%D8,$$%9:$,;<"=%>?@,$AA%
!,$@";B%C",BA%;=%D'D"F%W;=<F-B;=#%;(%'=$%;A%@-,<8"A$B%(',%8;:[8$,A$F(XH%>"<8%9:$,;<"=%
>?@,$AA%!,$@";B%C",B%OA$,%<"=%8"E$%'=F.%'=$%C",B%;=%8;A%',%8$,%=":$H%
;-A$=>P%;"CA$)A"AK)%2)) L1%
G">"AK)%/AO&C<P% 9:$,;<"=%>?@,$AA%!,$@";B%C",B%OA$,A%<"=%<8$<Q%D8$%C",B%+"F"=<$%0)[5%(',%(,$$%+.Z
%%4%%\'##;=#%;=D'%.'-,%9:$,;<"=%>?@,$AA%!,$@";B%C",B%"<<'-=D%"D%
":$,;<"=$?@,$AAH<':[@,$@";B
%%4%%C"FF;=#%C-AD':$,%P$,E;<$%"D%233401545651%WR=D$,="I'="F%C'FF$<D%212)640111XH
:<"A#"KD-A# L1%
4&#$-@)<%0)<RCK) L1%
G">"AK)%/AO&C<P% L1H%C8$<Q%.'-,%+"F"=<$%+.%<"FF;=#%C-AD':$,%P$,E;<$%"=.I:$%"D%2334M)M452)5%
WR=D$,="I'="F%C'FF$<D%21)1UMM3X/%F'##;=#%;=D'%.'-,%"<<'-=D%'=F;=$%',%D$?I=#%]^9\]%_%\"AD%)%
C",B%=-:+$,%B;#;DA%W;H$H%]^9\%````]X%D'%6&U&M%'=<$%D$?D%"F$,DA%",$%$="+F$B%"=B%8"E$%+$$=%
A$D%-@H
2-<)C?A%4&<<)AKP%4-AR)<#C-A%2)) L1H11%
Consumer Action
Page 22 of 109
!"#$%U%'(%)
;757S/5S%H9+,%47,3%95!/51
78$%C",B%!-,<8"A$,%<"=%:"="#$%D8$%9:$,;<"=%>?@,$AA%!,$@";B%C",B%'=F;=$%+.%E;A;I=#%
":$,;<"=$?@,$AAH<':[@,$@";B%"=B%<F;<Q;=#%\'#%R=%;=%D8$%C",B%!-,<8"A$,%A$<I'=H%a=<$%
,$#;AD$,$B/%.'-%G;FF%+$%"+F$%D'Z
%%%%4%P$D%-@%"-D':"I<%,$F'"BA
%%%%4%b;$G%D,"=A"<I'=%8;AD',.
%%%%4%9BB%(-=BA%D'%D8$%C",B
%%%%4%P$D%-@%"F$,DA
%%%%4%K"="#$%97K%"<<$AA
%%%%4%O@B"D$%@$,A'="F%;=(',:"I'=
N'
J$A
E9T%:9%7F9/3%2110
9:$,;<"=%>?@,$AA%@,'E;B$A%'=$%(,$$%97K%G;D8B,"G"F%@$,%<"F$=B",%:'=D8H%78$,$"Y$,/%"%($$%
'(%L0H11%;A%"AA$AA$B%"#";=AD%D8$%+"F"=<$%'(%D8$%C",BH
4952/315:/7!/:H
9:>?%'+D";=A%;=(',:"I'=%"+'-D%.'-%(,':%"%E",;$D.%'(%A'-,<$AH%78;A%;=<F-B$A%.'-,%=":$/%
"BB,$AA/%A'<;"F%A$<-,;D.%=-:+$,/%"=B%;=<':$%"=B%"AA$D%;=(',:"I'=H%J'-,%-A$%'(%D8$%C",B%
"=B%.'-,%'D8$,%D,"=A"<I'=A%@,'E;B$%9:>?%G;D8%"BB;I'="F%;=(',:"I'=/%A-<8%"A%.'-,%
A@$=B;=#%"=B%@".:$=D%8;AD',.H%aD8$,%A'-,<$A/%A-<8%"A%<,$B;D%,$@',I=#%"#$=<;$A%"=B%
@,'E;B$,A%'(%:",Q$I=#%;=(',:"I'=/%(-,=;A8%9:>?%G;D8%"BB;I'="F%;=(',:"I'=%"+'-D%.'-,%
<,$B;D%8;AD',./%@-,<8"A;=#%@,$($,$=<$A/%"=B%'D8$,%:"c$,AH%9:>?%"FA'%'+D";=A%;=(',:"I'=%
"+'-D%.'-%;=%<'==$<I'=%G;D8%'-,%$d',DA%D'%@,'D$<D%"#";=AD%(,"-BH%e$%<"FF%"FF%'(%D8;A%
;=(',:"I'=%]C",B:$:+$,%R=(',:"I'=H]%
8,/F74H%59:/41
https://www212.americanexpress.com/dsmlive/dsm/int/internetprivacystatement.do?
vgnextoid=1afe214407d5c210VgnVCM100000defaad94RCRD
9$=)<%/A.-
9A%"%C",B:$:+$,%.'-%",$%$F;#;+F$%D'%@",I<;@"D$%;=%D8$%9:$,;<"=%>?@,$AA%f'"BA;B$%
9AA;AD"=<$%!,'#,":%"=B%D8$%!-,<8"A$%!,'D$<I'=
Consumer Action
Page 23 of 109
!"#$%)%'(%)
The Bank Freedom Prepaid MasterCard
Last updated: &*+,*+-&+.%/$0%&-.%+-&+
NAME OF CARD ISSUER
NAME OF CARD
URL SOURCE OF CARD INFO
!"#$%&'()*+$%&',
http://www.bankfreedom.com/index.html
Cardholder Agreement/Terms and http://www.bankfreedom.com/terms&conditions.html
Conditions
URL of ISSUER
ISSUER PHONE
%TUUV+,UVW+W+
CARD AVAILABILITY (STATES)
FDIC INSURED?
FRAUD PROTECTION?
Consumer Action
Page 24 of 109
All 50
X$6
123$4%5"67$48"43%9:;$6.%<':4%;="0=;=7<%('4%:2":7>'4=?$3%5"67$48"43%74"26"@A'26%'2%<':4%8"43%B@@':27%=6%
C-D--%=(%<':%2'A(<%E"2F%/4$$3'G%H=7>=2%7H'%I+J%0:6=2$66%3"<6%"23%<':%$K$4@=6$%4$"6'2"0;$%@"4$%=2%
6"($#:"43=2#%<':4%8"43%(4'G%;'66.%7>$L.%'4%:2":7>'4=?$3%:6$D%%M>=6%4$3:@$3%;="0=;=7<%3'$6%2'7%"NN;<%=(%"%!OP%
=6%:6$3%"6%7>$%G$7>'3%'(%Q$4=R@"A'2%('4%"%3=6N:7$3%74"26"@A'2%'4%<':%>"Q$%4$N'47$3%7H'%I+J%'4%G'4$%
=2@=3$276%'(%:2":7>'4=?$3%:6$%=2%7>$%=GG$3="7$;<%N4$@$3=2#%7H$;Q$%I&+J%G'27>%N$4='3D%%O(%<':%2'A(<%E"2F%
/4$$3'G%H=7>=2%7H'%I+J%0:6=2$66%3"<6%'(%"2<%:2":7>'4=?$3%74"26"@A'26.%<':%@"2%;'6$%2'%G'4$%7>"2%
CS-D--%=(%6'G$'2$%:6$3%<':4%8"43%H=7>':7%<':4%N$4G=66='2D%%O(%<':%3'%2'7%2'A(<%E"2F%/4$$3'G%H=7>=2%
7H'%I+J%0:6=2$66%3"<6%"L$4%<':%;$"42%'(%7>$%;'66%'4%7>$L%'(%<':4%8"43%"23%H$%@"2%N4'Q$%7>"7%H$%@':;3%
>"Q$%67'NN$3%6'G$'2$%(4'G%:6=2#%<':4%8"43%H=7>':7%<':4%N$4G=66='2%=(%<':%>"3%N4'GN7;<%2'AR$3%:6.%
<':%@':;3%;'6$%"6%G:@>%"6%CS--D--D%%%
!"#$%&%'(%)
ERROR RESOLUTION?
O2%@"6$%'(%$44'46%'4%_:$6A'26%"0':7%<':4%8"43%B@@':27.%7$;$N>'2$%:6%"7%%TUUV+,UVW+W+%'4%H4=7$%7'%
8"43>';3$4%`$4Q=@$6.%&US^S%a"4Q"43%`:=7$%8.%b,+S-%%O4Q=2$.%8B%^+W&).%'4%$G"=;%:6%"7%
@'GN;="2@$c0"2F(4$$3'GD@'G%"6%6''2%"6%<':%@"2.%%=(%<':%7>=2F%"2%$44'4%>"6%'@@:44$3%=2%<':4%8"43%
B@@':27D%%[$%G:67%";;'H%<':%7'%4$N'47%"2%$44'4%:2A;%6=K7<%IW-J%3"<6%"L$4%7>$%$"4;=$4%'(%7>$%3"7$%<':%
$;$@74'2=@";;<%"@@$66%<':4%8"43%B@@':27.%=(%7>$%$44'4%@':;3%0$%Q=$H$3%=2%<':4%$;$@74'2=@%>=67'4<.%'4%7>$%3"7$%
H$%6$27%7>$%/O9`M%H4=d$2%>=67'4<%'2%H>=@>%7>$%$44'4%"NN$"4$3D%%X':%G"<%4$_:$67%"%H4=d$2%>=67'4<%'(%<':4%
74"26"@A'26%"7%"2<%AG$%0<%@";;=2#%:6%"7%TUUV+,UVW+W+%'4%H4=A2#%:6%"7%&US^S%a"4Q"43%`:=7$%8.%b,+S-.%
O4Q=2$.%8B%^+W&)D
X':%H=;;%2$$3%7'%7$;;%:6]
&D%%X':4%2"G$%"23%8"43%B@@':27%2:G0$4D
+D%%[><%<':%0$;=$Q$%7>$4$%=6%"2%$44'4.%"23%7>$%3';;"4%"G':27%=2Q';Q$3D
,D%%BNN4'K=G"7$;<%H>$2%7>$%$44'4%7''F%N;"@$D
O(%<':%7$;;%:6%'4";;<.%H$%G"<%4$_:=4$%7>"7%<':%6$23%:6%<':4%@'GN;"=27%'4%_:$6A'2%=2%H4=A2#%H=7>=2%7$2%I&-J%
0:6=2$66%3"<6D
[$%H=;;%3$7$4G=2$%H>$7>$4%"2%$44'4%'@@:44$3%H=7>=2%7$2%I&-J%0:6=2$66%3"<6%"L$4%H$%>$"4%(4'G%<':%"23%
H=;;%@'44$@7%"2<%$44'4%N4'GN7;<D%%O(%H$%2$$3%G'4$%AG$.%>'H$Q$4.%H$%G"<%7"F$%:N%7'%('47<VRQ$%I)SJ%3"<6%7'%
=2Q$6A#"7$%<':4%@'GN;"=27%'4%_:$6A'2D%%O(%H$%3$@=3$%7'%3'%7>=6.%H$%H=;;%@4$3=7%<':4%8"43%B@@':27%H=7>=2%
7$2%I&-J%0:6=2$66%3"<6%('4%7>$%"G':27%<':%7>=2F%=6%=2%$44'4.%6'%7>"7%<':%H=;;%>"Q$%7>$%G'2$<%3:4=2#%7>$%
AG$%=7%7"F$6%:6%7'%@'GN;$7$%':4%=2Q$6A#"A'2D%%O(%H$%"6F%<':%7'%N:7%<':4%@'GN;"=27%'4%_:$6A'2%=2%H4=A2#%
"23%<':%3'%2'7%N4'Q=3$%=7%H=7>=2%7$2%I&-J%0:6=2$66%3"<6.%H$%G"<%2'7%@4$3=7%<':4%8"43D
/'4%$44'46%=2Q';Q=2#%2$H%8"436.%!e`%74"26"@A'26.%'4%('4$=#2V=2=A"7$3%74"26"@A'26.%H$%G"<%7"F$%:N%7'%
2=2$7<%I^-J%3"<6%7'%=2Q$6A#"7$%<':4%@'GN;"=27%'4%_:$6A'2D%%/'4%2$H%8"43%B@@':276.%H$%G"<%7"F$%:N%7'%
7H$27<%I+-J%0:6=2$66%3"<6%7'%@4$3=7%<':4%8"43%B@@':27%('4%7>$%"G':27%<':%7>=2F%=6%=2%$44'4D%%
-#*.)'&/01#2$3&*2
USE OF CARD
40'0676$8)&2 C-D-&
4&50676$%&/&'(# C&-.--B6%6''2%"6%<':%"33%(:236%7'%<':4%N4$N"=3%5"67$48"43%@"43.%<':%@"2%0$#=2%:6=2#%7>$%@"43%"2<H>$4$%Y$0=7%
5"67$48"43%=6%"@@$N7$3D%%X':%G"<%:6$%7>=6%@"43%"7%"2<%BM5%7>"7%3=6N;"<6%7>$%5"67$48"43%B@@$N7"2@$%5"4F%
"23%"2<H>$4$%<':%6$$%7>$%5"67$48"43.%5"$674'.%'4%8=44:6%B@@$N7"2@$%5"4FD
CARD RESTRICTIONS
!:4@>"6$6%V%1N%7'%C+.---%N$4%3"<Z%BM5%V%C+-%G=2=G:G.%CS--%BM5%H=7>34"H";%G"K=G:G%%N$4%+)%>':46.%
C+F%;=G=7%'Q$4%7>$%@':27$4
Reload Process
Y=4$@7%3$N'6=7%'4%7'%"33%@"6>%7'%<':4%@"43%"7%"%%5'2$<!"F.%[$67$42%12='2%'4%5'2$<\4"G%4$7"=;%;'@"A'2D%
IM>=43%N"47<%@"6>%4$;'"3%($$6]%C-%V%C)D^SJ
Consumer Action
Page 25 of 109
!"#$%+%'(%)
Credit check required?
Bank account required?
Requirements
P'
P'
h\:"4"27$$3%BNN4'Q";i%=6%@'2A2#$27%:N'2%6:@@$66(:;;<%N"66=2#%7>$%G"23"7'4<%=3$2AR@"A'2%
@'2R4G"A'2D%%O2%'43$4%7'%4$@$=Q$%"%E"2F%/4$$3'G%!4$N"=3%5"67$48"43.%H$%G:67%"0=3$%7'%7>$%1`B%
!BM9OeM%B@7%7'%@'2R4G%<':4%=3$2A7<D%%P'%@>$K6<67$G6%'4%@4$3=7%@>$@F%4$_:=4$3D%X':%H=;;%2$$3%7'%N4'Q=3$%
<':4%6'@=";%6$@:4=7<%2:G0$4.%YeE.%2"G$%"23%"334$66D
Direct Deposit
a"Q$%<':4%7"K%4$(:23.%N"<@>$@F.%`'@=";%`$@:4=7<.%'4%'7>$4%/$3$4";%E$2$R76%@>$@F6%Y=4$@7;<%Y$N'6=7$3%7'%
<':4%E"2F%/4$$3'G%!4$N"=3%8"43%B@@':27%('4%(4$$D%`$7%:N%G:;AN;$%3=4$@7%3$N'6=76%7'%<':4%@"43%"@@':27%=(%
<':%>"Q$%G'4$%7>"2%'2$%g'0%'4%4$@$=Q$%G'4$%7>"2%'2$%/$3$4";%E$2$R76%@>$@F6%$"@>%G'27>D
UPGRADES
FEES:
>dN]**HHHD0"2F(4$$3'GD@'G*($$6D>7G;
Initial Purchase/Activation C-%
Reload C-Z%7>=43%N"47<%4$;'"3%($$6%G"<%"NN;<%IC-%V%C)D^SJ
ATM Cash withdrawal C+DS-%N$4%BM5%74"26"@A'2Z%CS%V%eQ$4%7>$%8':27$4%[=7>34"H";%/$$%IN$4%74"26"@A'2JZ%C)%O27$42"A'2";%BM5%
8"6>%[=7>34"H";%/$$.%C-%!OP%@"6>%0"@F
3"#(,$-*)(#..0'9 C&S%N$4%H$$F%ICW-%N$4%G'27>J
:#()'2$3&*2$)*$;#+/&(#6#'<$3&*2 C&-D--%N$4%@"43
Direct Deposit C-D--%
Monthly Maintenance Fee M>$%CS%5'27>;<%5"=27$2"2@$%/$$%=6%H"=Q$3%$"@>%G'27>%<':%;'"3%CS--%'4%G'4$%"%G'27>D%%
C-%!OP%"23%6=#2"7:4$%74"26"@A'26%
C-%
C%-DS-%N$4%74"26"@A'2
%E=;;%N"<G$27%($$%V%C&%N$4%74"26"@A'2Z%E=;;%N"<G$27%67'N%V%C+SD--%N$4%6>'N
Foreign Currency Conversion Fee ,f%@'2Q$46='2%4"7$%IN$4%74"26"@A'2J
Other BM5%Y$@;=2$%/$$%V%CD-DS-%IN$4%74"26"@A'2JZ%!"N$4%`7"7$G$27%/$$%V%C+%N$4%67"7$G$27Z
Transaction
Customer Service
Balance Inquiry
Bill Pay
Consumer Action
Page 26 of 109
X$6
X$6
!"#$%,%'(%)
HOW TO AVOID FEES
8"6>%H=7>34"H";]%5"2<%67'4$6%H=7>%!e`%7$4G=2";6.%=2@;:3=2#%G'67%#4'@$4<%"23%@'2Q$2=$2@$%67'4$6%H=;;%
";;'H%<':%7'%4$@$=Q$%8Bà%EB8l%"L$4%G"F=2#%"%N:4@>"6$D%5"F$%6:4$%7'%"6F%7>$%8"6>=$4%"0':7%7>$=4%N';=@<%
'(%4$@$=Q=2#%@"6>%0"@F%"23%";6'%R23%':7%7>$%G"K=G:G%"G':27%<':%@"2%4$_:$67D%[>$2%<':%R23%"%67'4$%
7>"7%";;'H6%@"6>%0"@F.%6=GN;<%$27$4%<':4%!OP%"23%7>$2%(';;'H%7>$%=2674:@A'26%'2%7>$%!e`%7$4G=2";%
G"@>=2$D%O7%6>':;3%"6F%<':%=(%<':%H':;3%;=F$%m8"6>%E"@Fm.%G"F$%6:4$%7'%6$;$@7%mXn`m%'4%$27$4%7>$%6N$@=R@%
"G':27%<':%H':;3%;=F$%7'%4$@$=Q$%(4'G%7>$%@"6>=$4D%X':%H=;;%7>$2%0$%@>"4#$3%('4%<':4%'4=#=2";%N:4@>"6$%
"23%7>$%@"6>%"G':27%<':%4$@$=Q$3%(4'G%7>$%@"6>=$4D%M>=6%=6%7>$%0$67%H"<%7'%#$7%@"6>%(4'G%<':4%@"43%
"@@':27%H=7>':7%N"<=2#%"2<%BM5%($$6D%BM5%`:4@>"4#$%/$$6]%[>$2%@"43>';3$4%:6$6%"%5'2$<!"66%BM5%
5"@>=2$%7'%H=7>34"H%@"6>%=66:$4%N"<6%7>$%BM5%5"@>=2$%"@@$66%($$%";6'%F2'H2%"6%7>$%6:4@>"4#$D%
9$G$G0$4%7>$%@'67%7'%:6$%':4%BM5%2$7H'4F%=6%C+DS-%N$4%BM5%H=7>34"H";D%O7o6%2'7%/9nn%0:7%=7o6%"%#4$"7%
";7$42"AQ$%('4%':4%@:67'G$46%H>'%7<N=@";;<%N"<%>=#>%@>$@F%@"6>=2#%($$6D
3BAD=ECA!=?8=!@
O66:$4%G"<%3=6@;'6$%=2('4G"A'2%7'%7>=43%N"4A$6%"0':7%<':4%8"43%'4%7>$%74"26"@A'26%<':%G"F$]%%[>$4$%=7%
=6%2$@$66"4<%('4%@'GN;$A2#%74"26"@A'26Z%O2%'43$4%7'%Q$4=(<%7>$%$K=67$2@$%"23%@'23=A'2%'(%<':4%8"43%('4%"%
7>=43%N"47<.%6:@>%"6%G$4@>"27Z%O2%'43$4%7'%@'GN;<%H=7>%#'Q$42G$27%"#$2@<.%@':47%'43$4.%'4%'7>$4%;$#";%
4$N'4A2#%4$_:=4$G$276Z%O(%<':%#=Q$%<':4%H4=d$2%N$4G=66='2Z%'4%M'%=66:$4j6%$GN;'<$$6.%":3=7'46.%"k;="7$6.%
6$4Q=@$%N4'Q=3$46.%'4%"d'42$<6%"6%2$$3$3D
-;=>?3@$AB!=3C
>dN]**HHHD0"2F(4$$3'GD@'G*!4=Q"@<`7"7$G$27D>7G;
Consumer Action
Page 27 of 109
!"#$%)%'(%)
Capital One Prepaid MasterCard
Last updated:
*"+,-%../%.0&.
NAME OF CARD ISSUER
NAME OF CARD
!"#$%"&'()*'+"),
!"-./0&.*-'12-**3*)%45*-36'").'
!0).$70)6
https://secure3.galileoprocessing.com/acct/getContent.php?nm=MDAxNvrD0g5v820zz7qC0JrZSMwK&ls=cap1
URL of ISSUER
https://www.capitalone.com/
ISSUER PHONE
FDIC INSURED?
122345.3625.%'+%100347)300.4%8*39%1%":%3%6%;:<%%'+%11131443..24
FRAUD PROTECTION?
?$@@%A>%B?%CDEF%G(%H'A%I$@G$J$%H'A+%E"+K%-">%I$$L%@'>M%'+%>M'@$L%'+%G(%H'A%M-GLN%H'A+%!OD%G>%L'%@'L#$+%>$,A+$%'+%
,'LPK$LQ"@R%?$@$;-'LGL#%G>%M-$%I$>M%S"H%'(%N$$;GL#%H'A+%;'>>GI@$%@'>>$>%K'SLR%='A%,'A@K%@'>$%"@@%M-$%:'L$H%'L%H'A+%
E"+KR%O(%H'A%M$@@%A>%SGM-GL%MS'%IA>GL$>>%K"H>%"T$+%H'A%@$"+L%'(%M-$%@'>>%'+%M-$T%'(%H'A+%E"+K%'+%!OD/%H'A%,"L%@'>$%L'%
:'+$%M-"L%U40%G(%>':$'L$%A>$K%H'A+%E"+K%'+%!OD%SGM-'AM%H'A+%;$+:G>>G'LR%O(%H'A%K'%DC?%M$@@%A>%SGM-GL%MS'%IA>GL$>>%
K"H>%"T$+%H'A%@$"+L%'(%M-$%@'>>%'+%M-$T%'(%H'A+%E"+K%'+%!OD/%"LK%S$%,"L%;+'J$%S$%,'A@K%-"J$%>M';;$K%>':$'L$%(+':%
A>GL#%H'A+%E"+K%'+%!OD%SGM-'AM%H'A+%;$+:G>>G'L%G(%H'A%-"K%M'@K%A>/%H'A%,'A@K%@'>$%">%:A,-%">%U400R%B@>'/%G(%H'A+%E"+K%
M+"L>",Q'L%-G>M'+H%>-'S>%M+"L>($+>%M-"M%H'A%KGK%L'M%:"N$/%M$@@%A>%"M%'L,$R%O(%H'A%K'%L'M%M$@@%A>%SGM-GL%20%K"H>%"T$+%M-$%
$"+@G$+%'(%M-$%K"M$%H'A%",,$>>$K%H'A+%E"+K%M+"L>",Q'L%-G>M'+H%'L%S-G,-%M-$%M+"L>",Q'L%";;$"+$K/%'+%M-$%K"M$%S$%>$LM%
M-$%9OVW?%S+GX$L%-G>M'+H%'L%S-G,-%M-$%M+"L>",Q'L%";;$"+$K%8IAM%GL%$GM-$+%,">$%L'M%@"M$+%M-"L%&.0%K"H>%"T$+%M-$%E"+K%
M+"L>",Q'L%;'>M$K</%H'A%:"H%L'M%#$M%I",N%"LH%:'L$H%H'A%@'>M%"T$+%M-$%20%K"H>%G(%S$%,"L%;+'J$%M-"M%S$%,'A@K%-"J$%
>M';;$K%>':$'L$%(+':%M"NGL#%M-$%:'L$H%G(%H'A%-"K%M'@K%A>%GL%Q:$R%O(%"%#''K%+$">'L%8>A,-%">%"%@'L#%M+G;%'+%"%-'>;GM"@%
>M"H<%N$;M%H'A%(+':%M$@@GL#%A>/%S$%:"H%$YM$LK%M-$>$%Q:$%;$+G'K>R%O(%H'A%I$@G$J$%H'A+%E"+K%-">%I$$L%@'>M%'+%>M'@$L%'+%G(%
H'A%M-GLN%H'A+%!OD%G>%L'%@'L#$+%>$,A+$%'+%,'LPK$LQ"@%'+%M-"M%>':$'L$%-">%M+"L>($++$K%'+%:"H%M+"L>($+%:'L$H%(+':%
H'A+%E"+K%SGM-'AM%H'A+%;$+:G>>G'L/%,"@@Z%122345.3625.%'+%S+GM$Z%!C%['Y%7&)0./%W"@M%\"N$%EGMH/%]?%1)&7&R%^$%:"H%-"J$%
M'%K$",QJ"M$%'+%,@'>$%H'A+%E"+KR%^$%+$>$+J$%M-$%+G#-M%M'%GLJ$>Q#"M$%"LH%,@"G:%H'A%:"H%:"N$%SGM-%+$>;$,M%M'%"%@'>M%'+%
>M'@$L%E"+K%'+%!OD/%"LK%H'A%"#+$$%M'%,'';$+"M$%SGM-%>A,-%GLJ$>Q#"Q'LR%='A%:"H%-"J$%"KKGQ'L"@%+G#-M>%ALK$+%M-$%
!"H:$LM%D$MS'+N_>%+A@$>R%*">M$+E"+K%`$+'%\G"IG@GMH%+A@$>%;+'JGK$%M-"M%GL%#$L$+"@/%H'A%SG@@%L'M%I$%@G"I@$%('+%
AL"AM-'+Ga$K%A>$%'(%M-$%E"+K%G(Z%8"<%H'A%-"J$%$Y$+,G>$K%+$">'L"I@$%,"+$%GL%>"($#A"+KGL#%H'A+%E"+K%(+':%+G>N%'(%@'>>%'+%
M-$Tb%8I<%H'A%-"J$%L'M%+$;'+M$K%MS'%'+%:'+$%GL,GK$LM>%'(%AL"AM-'+Ga$K%A>$%M'%A>$%GL%M-$%G::$KG"M$@H%;+$,$KGL#%&.3
:'LM-%;$+G'Kb%"LK%8,<%H'A+%E"+K%G>%GL%#''K%>M"LKGL#R%]L"AM-'+Ga$K%A>$%('+%;A+;'>$%'(%M-$%*">M$+E"+K%`$+'%\G"IG@GMH%
;+'#+":%G>%K$PL$K%">%A>$%'(%"%E"+K%IH%"%;$+>'L%'M-$+%M-"L%H'A%S-'%K'$>%L'M%-"J$%",MA"@/%G:;@G$K%'+%";;"+$LM%
"AM-'+GMH%('+%>A,-%A>$/%"LK%'+%S-G,-%H'A%+$,$GJ$%L'%I$L$PMR%*">M$+E"+K%a$+'%@G"IG@GMH%SG@@%L'M%";;@H%G(%"%!OD%S">%A>$K%">%
M-$%J$+GP,"Q'L%:$M-'K%('+%AL"AM-'+Ga$K%M+"L>",Q'L>R%`$+'%\G"IG@GMH%,@"G:>%"+$%>AIc$,M%M'%J$+GP,"Q'L%"LK%GLJ$>Q#"Q'LR%
CM-$+%@G:GM"Q'L>%:"H%";;@HR
Consumer Action
Page 28 of 109
http://www.capitalone.com/prepaid-cards/
Yes
=$>
!"#$%&%'(%)
ERROR RESOLUTION?
OL%,">$%'(%$++'+>%'+%fA$>Q'L>%"I'AM%H'A+%$@$,M+'LG,%M+"L>($+>/%M$@$;-'L$%A>%"M%122345.3625./%'+%S+GM$%M'%A>%"MZ%!C%['Y%
7&)0./%W"@M%\"N$%EGMH/%]?%1)&7&/%">%>''L%">%H'A%,"L/%G(%H'A%M-GLN%"L%$++'+%-">%',,A++$K%+$@"QL#%M'%H'A+%E"+K%
M+"L>",Q'L>R%^$%:A>M%-$"+%(+':%H'A%SGM-GL%20%K"H>%"T$+%M-$%$"+@G$+%'(%M-$%K"M$%H'A%",,$>>$K%H'A+%E"+K%M+"L>",Q'L%
-G>M'+H%'L%S-G,-%M-$%M+"L>",Q'L%";;$"+$K/%'+%M-$%K"M$%S$%>$LM%M-$%9OVW?%S+GX$L%-G>M'+H%'L%S-G,-%M-$%M+"L>",Q'L%
";;$"+$K%8IAM%GL%$GM-$+%,">$%L'M%@"M$+%M-"L%&.0%K"H>%"T$+%M-$%M+"L>",Q'L%;'>M$K<R%='A%SG@@%L$$K%M'%M$@@%A>Z%H'A+%L":$%
"LK%E"+K%LA:I$+b%S-H%H'A%I$@G$J$%M-$+$%G>%"L%$++'+/%"LK%M-$%K'@@"+%":'ALM%GLJ'@J$K%"LK%S-$L%M-$%$++'+%M''N%;@",$R%O(%
H'A%M$@@%A>%'+"@@H/%S$%:"H%+$fAG+$%M-"M%H'A%>$LK%A>%H'A+%,':;@"GLM%'+%fA$>Q'L%GL%S+GQL#%SGM-GL%&0%IA>GL$>>%K"H>R%^$%
SG@@%K$M$+:GL$%S-$M-$+%"L%$++'+%',,A++$K%SGM-GL%&0%IA>GL$>>%K"H>%"T$+%S$%-$"+%(+':%H'A%"LK%SG@@%,'++$,M%"LH%$++'+%
;+':;M@HR%O(%S$%L$$K%:'+$%Q:$/%-'S$J$+/%S$%:"H%M"N$%A;%M'%)4%K"H>%M'%GLJ$>Q#"M$%H'A+%,':;@"GLM%'+%fA$>Q'LR%O(%S$%
K$,GK$%M'%K'%M-G>/%S$%SG@@%G>>A$%"%,+$KGM%M'%H'A+%E"+K%SGM-GL%&0%IA>GL$>>%K"H>%('+%M-$%":'ALM%H'A%M-GLN%G>%GL%$++'+/%>'%
M-"M%H'A%SG@@%-"J$%M-$%A>$%'(%M-$%:'L$H%KA+GL#%M-$%Q:$%GM%M"N$>%A>%M'%,':;@$M$%'A+%GLJ$>Q#"Q'LR%O(%S$%">N%H'A%M'%;AM%
H'A+%,':;@"GLM%'+%fA$>Q'L%GL%S+GQL#%"LK%S$%K'%L'M%+$,$GJ$%GM%SGM-GL%&0%IA>GL$>>%K"H>%S$%:"H%L'M%G>>A$%"%,+$KGM%M'%
H'A+%E"+KR%9'+%$++'+>%GLJ'@JGL#%L$S%E"+K>/%;'GLM3'(3>"@$%'+%('+$G#L3GLGQ"M$K%M+"L>",Q'L>/%S$%:"H%M"N$%A;%M'%60%K"H>%M'%
GLJ$>Q#"M$%H'A+%,':;@"GLM%'+%fA$>Q'LR%9'+%L$S%E"+K>/%S$%:"H%M"N$%A;%M'%.0%IA>GL$>>%K"H>%M'%,+$KGM%H'A+%E"+K%('+%M-$%
":'ALM%H'A%M-GLN%G>%GL%$++'+R%^$%SG@@%M$@@%H'A%M-$%+$>A@M>%SGM-GL%M-+$$%IA>GL$>>%K"H>%"T$+%,':;@$QL#%'A+%GLJ$>Q#"Q'LR%
O(%S$%K$,GK$%M-"M%M-$+$%S">%L'%$++'+/%S$%SG@@%>$LK%H'A%"%S+GX$L%$Y;@"L"Q'LR%='A%:"H%">N%('+%,';G$>%'(%M-$%K',A:$LM>%
M-"M%S$%A>$K%GL%'A+%GLJ$>Q#"Q'LR
Personalized Card
=$)$3;3'>0". U0
="?$3;3'+"&")<* U7/400
USE OF CARD
?-$%E";GM"@%CL$%!+$;"GK%E"+K%G>%",,$;M$K%"LHS-$+$%d$IGM%*">M$+E"+K%G>%",,$;M$KR%?-"M_>%:G@@G'L>%'(%@',"Q'L>%
S'+@KSGK$R%eA>M%>SG;$%GM%"M%"LH%+$M"G@%@',"Q'L%('+%H'A+%;A+,-">$>R%='A%,"L%"@>'Z%*"N$%;A+,-">$>%'L@GL$/%!"H%IG@@>/%B,,$>>%
,">-%"M%;"+Q,G;"QL#%B?*>%S'+@KSGK$%8,-"+#$>%:"H%";;@H<
CARD RESTRICTIONS
V$@'"K
3%='A%:"H%@'"K%A;%M'%U640%'(%,">-%;$+%K"H
3%='A%:"H%@'"K%A;%M'%U7/400%;$+%K"H%IH%KG+$,M%K$;'>GM
%3%='A%,"L%@'"K%H'A+%,"+K%A;%M'%&0%Q:$>%$J$+H%50%K"H>
8$%/.-"9"&6'").':;-</"6*6
3%='A%:"H%SGM-K+"S%A;%M'%U400%(+':%B?*%M$+:GL"@>%;$+%K"H%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
3%='A%:"H%IAH%#''K>%'+%>$+JG,$>%"LK%SGM-K+"S%,">-%A;%M'%"%,':IGL$K%M'M"@%'(%U./400%;$+%K"H%"M%+$M"G@%@',"Q'L>%"LK%
B?*%M$+:GL"@>%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
3%D'%E">-%[",N%SGM-%!OD%M+"L>",Q'L%
Consumer Action
Page 29 of 109
!"#$%.%'(%)
Reload Process
='A%:"H%"KK%(ALK>%M'%H'A+%E"+K/%,"@@$K%g@'"KGL#g/%"M%"LH%V$@'"K%\',"Q'L%">%;+'JGK$K%GL%M-$%,"+K%B#+$$:$LMR%V$@'"K%
\',"Q'L>%:"H%,-"+#$%H'A%"%($$%('+%@'"KGL#R%='A%"#+$$%M'%,':;@H%SGM-%"@@%+$fAG+$:$LM>/%($$>%'+%'M-$+%+$>M+G,Q'L>%">%
:"H%I$%G:;'>$K%IH%>A,-%V$@'"K%\',"Q'L>%'+%">%KG>,@'>$K%M'%H'A%"M%M-$%Q:$%'(%M-$%M+"L>",Q'LR%V$@'"K%\',"Q'L>%",M%">%
H'A+%"#$LM%GL%M-$%M+"L>:GX"@%'(%(ALK>%M'%E";GM"@%CL$R%?'%PLK%M-$%L$"+$>M%V$@'"K%\',"Q'L%M'%H'A/%,"@@%122345.3625.%'+%
@'#%GLM'%H'A+%'L@GL$%>$+JG,GL#%",,'ALM%"M%SSSR:H,";GM"@'L$;+$;"GKR,':R%='A+%E"+K%,"LL'M%I$%@'"K$K%"M%"L%B?*R%='A%
:"H%@'"K%H'A+%;"H%'+%I$L$PM>%,-$,N>%M-+'A#-%KG+$,M%K$;'>GM/%@'"K%,">-%"M%"LH%;"+Q,G;"QL#%^$>M$+L%]LG'L%B#$LM%
@',"Q'L%"LK%M+"L>($+%(ALK>%(+':%"%I"LN%",,'ALM%'L@GL$
Requirements
D'
D'
^-$L%H'A%';$L%"L%",,'ALM%8GL,@AKGL#%"%;+$;"GK%,"+K%",,'ALM</%H'A%SG@@%I$%">N$K%('+%H'A+%L":$/%"KK+$>>/%K"M$%'(%IG+M-/%
"LK%'M-$+%GL('+:"Q'L%M-"M%SG@@%"@@'S>%('+%H'A+%GK$LQP,"Q'LR%='A%:"H%"@>'%I$%">N$K%M'%>$$%H'A+%K+GJ$+_>%@G,$L>$%'+%
'M-$+%GK$LQ(HGL#%K',A:$LM>R%='A%:A>M%"@>'%;+'JGK$%"%>',G"@%>$,A+GMH%LA:I$+R
Direct Deposit
\'"K%;"H%'+%I$L$PM>%,-$,N>%M'%H'A+%,"+K%"AM':"Q,"@@H%('+%(+$$
FEES:
http://www.capitalone.com/prepaid-cards/mastercard-prepaidcard/fees/?linkid=WWW_Z_CARD_Z_PCMSCT_C0_03_T_PCMFEES
Initial Purchase/Activation U0%
Reload %U0b%?-G+K%;"+MH%+$@'"K%($$Z%U)R64%8JG"%^$>M$+L%]LG'L<b%(+$$%+$@'"K>%SGM-%KG+$,M%K$;'>GM
ATM Cash withdrawal CL$%(+$$%B?*%SGM-K+"S"@%;$+%?+"L>",Q'L%EH,@$/%U&R64%;$+%SGM-K+"S"@%('+%$",-%"KKGQ'L"@%M+"L>",Q'L/%B?*%'SL$+%
,-"+#$>%:"H%";;@HR%
@*<0).'!"-.'0-'A*#&"<*3*)%'!"-. U0R00%
Direct Deposit U0R00%
Monthly Maintenance Fee U)R64R%9+$$%S-$L%H'A%@'"K%"M%@$">M%U400%GL%"LH%:'LM-@H%M+"L>",Q'L%,H,@$R%
Transaction U0%3%]L@G:GM$K%WG#L"MA+$%"LK%!OD%M+"L>",Q'L>
Customer Service U0%
Bill Pay F@$,M+'LG,%[G@@%!"H%3%U0b%!";$+%[G@@%!"H%3%UR64%;$+%M+"L>",Q'L
Balance Inquiry hG$S%'L@GL$%"LK%IH%,"@@GL#%,A>M':$+%>$+JG,$R%
Foreign Currency Conversion Fee &i%8'(%M'M"@%M+"L>",Q'L<
Consumer Action
Page 30 of 109
!"#$%5%'(%)
Other ?+"L>",Q'L%jG>M'+H%3%U&R64%IH%:"G@%;$+%:'LM-%+$fA$>M$K
?+",N%H'A+%I"@"L,$%"LK%,"+K%A>"#$%SGM-%"AM':"M$K%M$YM%"LK%$3:"G@%"@$+M>/%:"L"#$%IG@@%;"H/%"LK%+$@'"K%(ALK>%'LM'%,"+K%
"@@%M-+'A#-%H'A+%'L@GL$%",,'ALMR
D'
=$>
HOW TO AVOID FEES
BJ'GK%:'LM-@H%($$%IH%@'"KGL#%"%:GLG:A:%'(%U400%"%:'LM-%'LM'%,"+Kb%#$M%,">-%I",N%(+$$%SGM-%!OD%;A+,-">$%"M%+$M"G@$+>
!(BCDEFB5D1>D5G
?-$%MH;$>%'(%;$+>'L"@%GL('+:"Q'L%S$%,'@@$,M%"LK%>-"+$%K$;$LK%'L%M-$%;+'KA,M%'+%>$+JG,$%H'A%-"J$%SGM-%A>R%?-G>%
GL('+:"Q'L%,"L%GL,@AK$Z%W',G"@%W$,A+GMH%LA:I$+%"LK%GL,':$b%B,,'ALM%I"@"L,$>%"LK%;"H:$LM%-G>M'+Hb%B,,'ALM%
M+"L>",Q'L>%"LK%,+$KGM%,"+K%'+%'M-$+%K$IM
:ADH1!G'B(5D!F
https://www.capitalone.com/protection/privacy/index.php?linkid=WWW_Z_CARD_Z_GBLFO_F3_01_T_PRIV
MANAGING YOUR CARD ONLINE
Consumer Action
Page 31 of 109
!"#$%)%'(%)
Green Dot Prepaid Card - Visa or MasterCard
!"#$%&'("$)(*
*"+,"-.%&/0%12&1
/5F3%7+%.52,%-00132
/5F3%7+%.52,
12!%0712.3%7+%-/+7
.">(?@A()>%5B>))C)D$E8)>C#%"D(%
12!%@H%-00132
0ID@J&#%:"DK%
-00132%6G7/3
3//456745765
.52,%595-!5:-!-8;%<085830=
49 states and Puerto Rico (all states except Vermont)
+,-.%-/0123,4
Yes
+251,%62783.8-7/4
Tell us at once if you believe your Card or PIN has been lost or stolen. Reporting your
Card lost or stolen online at www.greendot.com or calling us at the number on the
back of your Card is the best way of keeping your possible losses down. You could
lose all the money on your Card. If you tell us within two business days after learning
of the loss or theft of your Card or PIN, you can lose no more than $50 if someone
used your Card or PIN without your permission. If you do NOT tell us within two
business days after you learn of the loss or theft of your Card or PIN, and we can
prove that we could have stopped someone from using your Card or PIN without your
permission if you had told us, you could lose as much as $500. (Note: If your Card is
a MasterCard Card, you will not be liable for the amounts stated above if: your Card
is in good standing; you have not reported more than two incidents of unauthorized
use in the preceding 12 months; and you have exercised reasonable care in
safeguarding your Card from risk of loss or theft. If your Card is a Visa Card, you will
not be liable for the amounts stated above unless we determine that you were
grossly negligent or fraudulent in the handling of your Card.) You agree that any
unauthorized use does not include use by a person to whom you have given authority
to use the Card or PIN and that you will be liable for all such uses by such person.
https://www.greendot.com/greendot/getacardnow
https://www.greendot.com/greendot/getacardnow/cardholderagreement
https://www.synovusbankfl.com/
Also, if your on-line or paper transaction history shows transfers that you did not
make, including those made by your Card, PIN or other means, tell us at once. If you
do not tell us within 60 days after: (i) you electronically access your Card information
at www.greendot.com; or (ii) we provide you with a written history of your Card
transactions, you may not get back any Card value you lost after the 60 days if we
can prove that we could have stopped someone from taking the Card value if you
had told us in time. If a good reason (such as a long trip or hospital stay) kept you
from telling us, we will extend the time periods.
Consumer Action
Page 32 of 109
!"#$%&%'(%)
Telephone us at 866-795-7597 or the number on the back of your Card, or write to
us at Green Dot Customer Care, P.O. Box 1187, Monrovia, California 91017 as soon
as you can, if you think an error has occurred in your Card account. We must allow
you to report an error until 60 days after: (i) the earlier of the date you electronically
accessed your account, provided the error could be viewed in the electronic history;
or (ii) the date we sent the FIRST written history on which the error appeared. You
may request a written history of your transactions at any time by calling the number
identified above or the number on the back of your Card or by writing us at Written
History Request, Green Dot Corporation, P.O. Box 1187, Monrovia, California 91017.
When notifying us, you will need to tell us: (i) your name and Card number; (ii) why
you believe there is an error, and the dollar amount involved; and (iii) approximately
when the error took place. If you tell us orally, we may require that you send us your
complaint or question in writing within 10 business days.
32272%2307!18-7/4
We will determine whether an error occurred within 10 business days after we hear
from you and will correct any error promptly. If we need more time, however, we
may take up to 45 days to investigate your complaint or question. If we decide to do
this, we will credit the Card within 10 business days for the amount you think is in
error, so that you will have the use of the value during the time it takes us to
complete the investigation. If we ask you to put your complaint or question in writing
and we do not receive it within 10 business days, we may not credit the Card.
For errors involving new cards, we may take up to 20 business days to credit your
Card for the amount you think is in error. For errors involving point-of-sale or foreign
initiated transactions, we may take up to 90 days to investigate your complaint or
question. We will tell you the results within three business days after completing our
investigation. If we decide that there was no error, we will send you a written
explanation. You may ask for copies of the documents that we used in our
investigation. If you need more information about our error resolution procedures,
call us at 866-795-7597 or the number on the back of your Card or visit
www.greendot.com.
83F67252;%.52,
FMDMC&C%!@"( $10
F"PMC&C%:"A"DN) $500.00
63207/5!-L3,%.52,
2)#$>MNO@D# 8',%"-$%+'9%",9:'-;<$=%9'%>"?$%@,-A:"B$B%9:"9%;+%9:$%"##-$#"9$%$CA$$=%D722%@$-%A"E$+="-%
=".%,B;+#%.',-%F$>@'-"-.%G"-=H%F:$%F$>@'-"-.%G"-=%>".%+'9%I$%,B$=%('-%-$A,--;+#%
To help the government fight the funding of terrorism and money-laundering
activities, federal law requires all financial institutions to obtain, verify, and record
information that identifies each person who opens an account. What this means for
you: When you sign up for your Card, we will ask for your name, address, date of
birth, social security number and other information that will allow us to identify you.
We may also ask to see copies of your driver's license or other identifying
documents. We also will request information of any Registered User, including, but
not limited to, the full name and date of birth of any Registered User. Once you have
been authorized, you will be sent a personalized prepaid card.
FMDMC&C%!@"( $10, varies by retailer
F"PMC&C%:"A"DN) %D10722%VD&20222%K;9:%=;-$A9%=$@'B;9W
103%7+%.52,
8',%>".%,B$%.',-%G"-=%9'%@,-A:"B$%#''=B%"+=%B$-J;A$B%"+.K:$-$%L;B"%'-%M"B9$-G"-=%
=$I;9%A"-=B0%"B%"@@E;A"IE$0%"-$%"AA$@9$=%"+=%9'%"AA$BB%A"B:%"9%NFMB%'(%O+"+A;"E%
;+BP9,P'+B%=;B@E".;+#%9:$%L;B"%'-%M"B9$-G"-=%+">$%"+=Q'-%E'#'H%R"A:%P>$%.',%,B$%9:$%
G"-=%9'%@,-A:"B$%#''=B%'-%B$-J;A$B0%.',%",9:'-;<$%,B%9'%A:"-#$%9:$%">',+9%"#";+B9%.',-%
G"-=SB%"J";E"IE$%J"E,$H%T'-%B$A,-;9.%-$"B'+B0%K$%>".%E;>;9%9:$%">',+90%+,>I$-%'-%9.@$%'(%
9-"+B"AP'+B%.',%A"+%>"?$%'+%.',-%G"-=%"+=%"+.%(,+=;+#%'-%-$E'"=%'(%.',-%G"-=H%
.52,%23082-.8-7/0
U";E.%B@$+=%E;>;9%4%D10722%V;+AE,=$B%"EE%',9#';+#%9-"+B"AP'+%"APJ;P$B0%B,A:%"B%@,-A:"B$B0%
NFM%9-"+B"AP'+B0%$9AHWH%F:$%>"C;>,>%">',+9%'(%J"E,$%9:"9%A"+%-$B;=$%'+%9:$%G"-=%"9%"+.%
P>$%;B%D10722H%%D10722%=";E.%E'"=%E;>;9H
Consumer Action
Page 33 of 109
!"#$%1%'(%)
2)A@"(%6>@N)##
8',%A"+%"==%"==;P'+"E%J"E,$%9'%.',-%G"-=%"9%"+.%Y"E$B%N#$+9%E'A"P'+%'-%I.%('EE'K;+#%9:$%
=;-$AP'+B%B,@@E;$=%K;9:%9:$%G"-=H%L;B;9%KKKH#-$$+='9HA'>%9'%O+=%"%Y"E$B%N#$+9%+$"-%
.',H%N%-$E'"=%($$%>".%"@@E.%('-%$"A:%-$E'"=H%F:$%>"C;>,>%=";E.%-$E'"=%E;>;9%;B%D107220%
:'K$J$-0%>"C;>,>%;+4B9'-$%"+=%'+E;+$%-$E'"=%E;>;9B%>".%"@@E.H%Z-$$+%U'9%>".%@$->;9%
.',%9'%>";+9";+%"%:;#:$-%I"E"+A$%E;>;9%'-%9'%:"J$%"%:;#:$-%=";E.%E'"=%E;>;9%9:"+%D10722%;(%
.',%$E$A9%9'%:"J$%(,+=B%=;-$A9E.%=$@'B;9$=%9'%.',-%G"-=%I.%.',-%$>@E'.$-%'-%'9:$-%@".'-%
V;+AE,=;+#%9"C%-$(,+=BWH%Z-$$+%U'9%>".%;+A-$"B$%'-%=$A-$"B$%9:$B$%E;>;9B%(-'>%P>$%9'%
P>$H%F:$%G"-=%>".%'+E.%I$%-$E'"=$=%I.%9:$%G"-=:'E=$-H%
.>)(M$%N?)NK%>)Q&M>)(4
X'
:"DK%"NN@&D$%>)Q&M>)(4
X'
2)Q&M>)C)D$#
,M>)N$%,)'@#M$
M,B9%I$%&3%.$"-B%'E=H%F'%:$E@%9:$%#'J$-+>$+9%O#:9%9:$%(,+=;+#%'(%9$--'-;B>%"+=%>'+$.4
8',%>".%"--"+#$%9'%:"J$%(,+=B%9-"+B($--$=%=;-$A9E.%9'%.',-%G"-=%I.%.',-%$>@E'.$-%'-%
+330*
T$$B%"-$%+'->"EE.%=$=,A9%($$B%",9'>"PA"EE.%(-'>%9:$%G"-=%I"E"+A$%"9%9:$%P>$%"%($$%;B%
;+A,--$=H%
-DMO"A%6&>N?"#)E0)$%1' !,-A:"B$%@-;A$%,@%9'%DaH67%"@@E;$B%;(%.',%I,.%9:$%G"-=%"9%"%-$9";E%B9'-$%VD/H67%('-%9:$%
XNYGN`%!-$@";=%L;B"%G"-=WH
2)A@"( X'%A:"-#$%9'%`$E'"=%.',-%A"-=%K;9:%U;-$A9%U$@'B;9H%`$E'"=;+#%.',-%A"-=%"9%"%-$9";E$-%K;EE%
A'B9%,@%9'%DaH67%;+%9:;-=%@"-9.%($$BH
58F%."#?%SM$?(>"S"A% %4%%X'%A:"-#$%('-%NFM%9-"+B"AP'+B%"9%9:',B"+=B%'(%@"-PA;@"P+#%E'A"P'+B%+"P'+K;=$H%b+4
+$9K'-?%NFMB%A"+%I$%(',+=%:$-$\%:[@\QQKKKH>'+$.@"BBHA'>Q"9>4E'A"9'-H"B@C
%4%D1H72%('-%A"B:%K;9:=-"K"EB%',9B;=$%'(%+$9K'-?0%@E,B%"+.%($$%9:$%NFM%'K+$-%>".%
A:"-#$H%^"E"+A$%;+c,;-;$B%"9%+'+4+$9K'-?%NFMB\%D2H72H%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
,M>)N$%,)'@#M$ D2%
F@D$?AI%F"MD$)D"DN)%+)) D7H67H%X'%M'+9:E.%G:"-#$%;+%"+.%>'+9:%.',%>"?$%"9%E$"B9%)2%@,-A:"B$B%'-%E'"=%"9%E$"B9%
D&0222
0)N@D(%.">(%@>%2)'A"N)C)D$%.">( DaH67%
8>"D#"NO@D# X'%($$
+@>)MBD%8>"D#"NO@D# %)d%'(%9:$%9-"+B"AP'+%">',+9%V;+AE,=;+#%A-$=;9B%"+=%-$J$-B"EBW%('-%$"A:%9-"+B"AP'+%VeHYH%
'-%('-$;#+%A,--$+A.W%9:"9%.',%A'+=,A9%',9B;=$%9:$%72%e+;9$=%Y9"9$BH%
:"A"DN)%-DQ&M>I%"$%/@DR/)$@S>K%58F D2H72%
8$BH
8$BH
G7T%87%597-,%+330
62-95.;%/78-.3
NJ';=%9:$%DaH67%9$>@'-"-.%A"-=%($$%I.%"@@E.;+#%('-%9:$%@$-B'+"E;<$=%A"-=%'+E;+$%'-%I.%
A"EE;+#%A,B9'>$-%B$-J;A$H%X'%M'+9:E.%G:"-#$%;+%"+.%>'+9:%.',%>"?$%"9%E$"B9%)2%
@,-A:"B$B%'-%E'"=%"9%E$"B9%D&0222H%X'%A:"-#$%9'%`$E'"=%.',-%A"-=%K;9:%U;-$A9%U$@'B;9H%X'%
F:$%9.@$B%'(%@$-B'+"E%;+('->"P'+%K$%A'EE$A9%"+=%B:"-$%=$@$+=%'+%9:$%@-'=,A9%'-%B$-J;A$%
.',%:"J$%K;9:%,BH%F:;B%;+('->"P'+%A"+%;+AE,=$\%Y'A;"E%Y$A,-;9.%+,>I$-%"+=%"AA',+9%
I"E"+A$B0%"AA',+9%9-"+B"AP'+B%"+=%@,-A:"B$%:;B9'-.0%9-"+B"AP'+%:;B9'-.%"+=%'J$-=-"f%
:[@B\QQKKKH#-$$+='9HA'>Q#-$$+='9Q@-;J"A.4@'E;A.];BB,;+#^"+?_B.+
7$?)>%-DH@
!"-PA;@"P+#%;+4+$9K'-?%NFMB\%:[@\QQKKKH>'+$.@"BBHA'>Q"9>4E'A"9'-H"B@C
.7/+-,3/8-5!-8;
Consumer Action
Page 34 of 109
!"#$%)%'(%)
!"#"$%&'(")*+,-%."/,+0-1."
2-34+,5-,."
!"#$%&'("$)(* 2-,':";;<";=7;
?;G9%>:%+;5<%788495
?;G9%>:%+;5<
45!%8>45+9%>:%+;5<%7?:>
+",(-#%.),/#%"0(%+10(2310#
45!%16%788495
788495%=F>?9
+;5<%;A;7!;B7!7.C%D8.;.98E
:<7+%7?8459<@
:5;4<%=5>.9+.7>?@
Consumer Action
Page 35 of 109
FH5%BI1JK%B"0K
H&R Block Emerald Prepaid MasterCard
http://www.hrblock.com/bank/emerald_prepaid_mastercard/index.html
http://www.hrblock.com/bank/pdfs/card_account_terms_and_conditions.pdf
http://www.hrblock.com/bank/
MMMLNMeLfe;;
All 50 states
>+3
5&?4-'4"@3"AB"CD5)"18"E&@"F+%1+G+"E&@,"5-,.":-3"F++?"%&34"&,"34&%+?H"B+%+0:&?1?6"13"4:+"F+34"I-E"4&"*1?1*1J+"E&@,"0&331F%+"%&33+3H"K8"E&@"F+%1+G+"E&@,"
5-,.":-3"F++?"%&34"&,"34&%+?<"&,"4:-4"3&*+&?+":-3"4,-?38+,,+."&,"*-E"4,-?38+,"*&?+E"8,&*"E&@,"5-,."I14:&@4"E&@,"0+,*1331&?<"'-%%"@3"4&%%L8,++"-4"MNNL
9O9L7;NNH"P+"I1%%",+Q@1,+"E&@"4&"61G+"I,1R+?"'&?S,*-T&?"&8"4:+"+,,&,"I14:1?"7="F@31?+33".-E3"&8"4:+"&,-%"?&TS'-T&?H"K8"E&@"?&T8E"@3"I14:1?"4I&"U;V"
F@31?+33".-E3<"E&@"'-?"%&3+"?&"*&,+"4:-?"WO=H=="18"3&*+&?+"@3+."E&@,"5-,."I14:&@4"E&@,"0+,*1331&?H"K8"E&@".&"?&4"?&T8E"@3"I14:1?"4I&"U;V"F@31?+33"
.-E3"-X+,"E&@"%+-,?"&8"4:+"%&33"&,"4:+X"&8"E&@,"5-,."-?."I+"'-?"0,&G+"4:-4"I+"'&@%.":-G+"34&00+."3&*+&?+"8,&*"@31?6"E&@,"5-,."I14:&@4"E&@,"
0+,*1331&?"18"E&@":-."0,&*04%E"?&TS+."@3<"E&@"'&@%."%&3+"-3"*@':"-3"WO==H==H"A%3&<"18"E&@"F+'&*+"-I-,+"&8"-?.Y&,"E&@,"34-4+*+?4"3:&I3"4,-?3-'T&?3"
4:-4"E&@".1."?&4"*-(+<"?&T8E"@3"-4"&?'+H"K8"E&@".&"?&4"?&T8E"@3"I14:1?"31Z4E"UN=V".-E3"-X+,"E&@"F+'&*+"-I-,+"&8"4:+"4,-?3-'T&?"-?.Y&,"-X+,"4:+"
34-4+*+?4"I-3"*-.+"-G-1%-F%+"4&"E&@<"E&@"*-E"?&4"6+4"F-'("-?E"G-%@+"E&@"%&34"-X+,"4:+"31Z4E"UN=V".-E3"18"I+"'-?"0,&G+"4:-4"I+"'&@%.":-G+"34&00+."
3&*+&?+"8,&*"4-(1?6"4:+"G-%@+"18"E&@":-."?&TS+."@3"1?"T*+"-?."E&@"-,+"?&4"6,&33%E"?+6%16+?4"&,"8,-@.@%+?4"1?"4:+":-?.%1?6"&8"E&@,"5-,.H"K8"E&@,"5-,."
:-3"F++?"%&34"&,"34&%+?<"I+"I1%%"'%&3+"E&@,"5-,."4&"*1?1*1J+"%&33+3H"K?"-..1T&?<"E&@,"5-,."13"'&G+,+."FE"2-34+,5-,."[+,&"\1-F1%14E"/,&4+'T&?H"]?.+,"
2-34+,5-,."[+,&"\1-F1%14E<"E&@,"%1-F1%14E"8&,"@?-@4:&,1J+."2-34+,5-,."4,-?3-'T&?3"&?"E&@,"5-,."13"W="18"E&@"?&T8E"@3"0,&*04%E"-?."E&@"-,+"?&4"6,&33%E"
?+6%16+?4"&,"8,-@.@%+?4"1?"4:+":-?.%1?6"&8"E&@,"5-,.H">&@"I1%%"?&4"F+"%1-F%+"8&,"@?-@4:&,1J+."@3+"4:-4"&''@,3"-X+,"E&@"?&T8E"@3"&8"4:+"%&33<"4:+X"&,"
@?-@4:&,1J+."@3+"&8"E&@,"5-,.H">&@"-%3&"-6,++"4&"'&&0+,-4+"'&*0%+4+%E"I14:"!^#"$%&'("$-?("1?"-R+*043"4&",+'&G+,"8@?.3"8,&*"@?-@4:&,1J+."@3+,3"-?."
4&"-33134"1?"4:+1,"0,&3+'@T&?H"K8"E&@,"5-,."13"%&34"&,"34&%+?<"4:+"$-?("I1%%"?&4":&%."E&@",+30&?31F%+"8&,"_@?-@4:&,1J+."0@,':-3+3`"18"'+,4-1?"'&?.1T&?3"-,+"
*+4H"[+,&"%1-F1%14E"-00%1+3"4&"0@,':-3+3"*-.+"1?"4:+"34&,+<"&G+,"4:+"4+%+0:&?+"&,"*-.+"&?%1?+H"A3"-"2-34+,5-,."'-,.:&%.+,"E&@"I1%%"?&4"F+",+30&?31F%+"1?"
4:+"+G+?4"&8"@?-@4:&,1J+."0@,':-3+3"0,&G1.+."4:-4"4:+"8&%%&I1?6"0,+'&?.1T&?3"-,+"*+4a"U7V">&@,"5-,."13"1?"6&&."34-?.1?6b"U;V">&@":-G+"+Z+,'13+."
,+-3&?-F%+"'-,+"1?"3-8+6@-,.1?6"E&@,"5-,."8,&*"-?E"@?-@4:&,1J+."@3+H"]?-@4:&,1J+."@3+"*+-?3"4:-4"E&@".1."?&4"0,&G1.+<".1,+'4%E<"FE"1*0%1'-T&?"&,"
&4:+,I13+<"4:+",16:4"4&"@3+"E&@,"5-,."-?."E&@",+'+1G+."?&"F+?+S4"8,&*"4:+"c@?-@4:&,1J+.c"0@,':-3+"U8-1%@,+"4&",+6134+,"'+,4-1?"5-,.3"I1%%"F+"'&?31.+,+."
-3"?&4"3-8+6@-,.1?6"E&@,"5-,.Vb"U9V">&@":-G+"?&4",+0&,4+."4I&"&,"*&,+"@?-@4:&,1J+."+G+?43"1?"4:+"0-34"7;"*&?4:3H"[+,&"\1-F1%14E".&+3"?&4"-00%E"4&"
2-34+,5-,."'-,.3"U1V"133@+."8&,"'&**+,'1-%<"F@31?+33"&,"-6,1'@%4@,-%"0@,0&3+3<"+Z'+04"8&,"2-34+,5-,."'&**+,'1-%"'-,.3"@3+."8&,"3*-%%"F@31?+33+3"-3"
%134+."&?"IIIH*-34+,'-,.F@31?+33H'&*b"&,"U11V"18"-"/KD"8&,"-".+F14"4,-?3-'T&?"13"@3+."8&,"4:+"@?-@4:&,1J+."0@,':-3+H"K8"4:+"2-34+,5-,."#@%+3"-,+"
':-?6+."-3"4:+E"-d+'4"E&@,"%1-F1%14E<"4:&3+"':-?6+3"I1%%"F+'&*+"-00%1'-F%+"4&"E&@,"B,-?3-'T&?3"@?.+,"4:13"A6,++*+?4"@0&?"?&T'+"4&"E&@"-3"0,&G1.+."FE"
%-IH
/-6+"7"&8"9
"
!"#"$%&'(")*+,-%."/,+0-1."
2-34+,5-,."
955>5%598>!4.7>?@
K?"'-3+"&8"+,,&,3"&,"Q@+3T&?3"-F&@4"E&@,"+%+'4,&?1'"4,-?3-'T&?3<"'-%%"MNNL9O9L7;NN"&,"I,14+"4&"5-,.:&%.+,"5@34&*+,"k+,G1'+<"/C"$&Z"7=7e=<"l-?3-3"514E<"
2C"Nf7e7<"18"E&@"4:1?("-?"+,,&,":-3"&''@,,+."1?"E&@,"5-,."-''&@?4H"P+"*@34"-%%&I"E&@"4&",+0&,4"-?"+,,&,"@?T%"31Z4E"UN=V".-E3"-X+,"4:+"+-,%1+,"&8"4:+"
.-4+"E&@"+%+'4,&?1'-%%E"-''+33"E&@,"-''&@?4<"18"4:+"+,,&,"'&@%."F+"G1+I+."1?"E&@,"+%+'4,&?1'":134&,E"&,"4:+".-4+"I+"3+?4"4:+"mK#kB"I,1R+?":134&,E"&?"
I:1':"4:+"+,,&,"-00+-,+.H">&@"*-E",+Q@+34"-"I,1R+?":134&,E"&8"E&@,"4,-?3-'T&?3"-4"-?E"T*+"FE"'-%%1?6"@3"-4"MNNL9O9L7;NN"&,"I,1T?6"@3"-4"5-,.:&%.+,"
5@34&*+,"k+,G1'+<"/C"$&Z"7=7e=<"l-?3-3"514E<"2C"Nf7e7H">&@"I1%%"?++."4&"4+%%"@3a"U7V">&@,"?-*+"-?."5-,."?@*F+,"U18"-?EVH"U;V"P:E"E&@"F+%1+G+"4:+,+"13"
-?"+,,&,"-?."4:+".&%%-,"-*&@?4"1?G&%G+.H"U9V"A00,&Z1*-4+%E"I:+?"4:+"+,,&,"4&&("0%-'+H"K8"E&@"0,&G1.+"4:13"1?8&,*-T&?"&,-%%E<"I+"*-E",+Q@1,+"4:-4"E&@"
3+?."E&@,"'&*0%-1?4"&,"Q@+3T&?"1?"I,1T?6"I14:1?"4+?"U7=V"F@31?+33".-E3H"P+"I1%%".+4+,*1?+"I:+4:+,"-?"+,,&,"&''@,,+."I14:1?"4+?"U7=V"F@31?+33".-E3"
-X+,"I+":+-,"8,&*"E&@"-?."I1%%"'&,,+'4"-?E"+,,&,"0,&*04%EH"K8"I+"?++."*&,+"T*+<":&I+G+,<"I+"*-E"4-(+"@0"4&"8&,4ELSG+"UfOV".-E3"4&"1?G+3T6-4+"E&@,"
'&*0%-1?4"&,"Q@+3T&?H"K8"I+".+'1.+"4&".&"4:13<"I+"I1%%"',+.14"E&@,"5-,."I14:1?"4+?"U7=V"F@31?+33".-E3"8&,"4:+"-*&@?4"E&@"4:1?("13"1?"+,,&,<"3&"4:-4"E&@"I1%%"
:-G+"4:+"@3+"&8"4:+"*&?+E".@,1?6"4:+"T*+"14"4-(+3"4&"'&*0%+4+"4:+"1?G+3T6-T&?H"K8"I+"-3("E&@"4&"0@4"E&@,"'&*0%-1?4"&,"Q@+3T&?"1?"I,1T?6"-?."E&@".&"
?&4"0,&G1.+"14"I14:1?"4+?"U7=V"F@31?+33".-E3<"I+"*-E"?&4"',+.14"E&@,"5-,.H"m&,"+,,&,3"1?G&%G1?6"?+I"5-,.3<"0&1?4L&8L3-%+<"&,"8&,+16?L1?1T-4+."4,-?3-'T&?3<"
I+"*-E"4-(+"@0"4&"?1?+4E"Ug=V".-E3"4&"1?G+3T6-4+"E&@,"'&*0%-1?4"&,"Q@+3T&?H"m&,"+,,&,3"1?G&%G1?6"?+I"5-,.3<"I+"*-E"4-(+"@0"4&"4I+?4E"U;=V"F@31?+33"
.-E3"4&"',+.14"E&@,"5-,."8&,"4:+"-*&@?4"E&@"4:1?("13"1?"+,,&,H"P+"I1%%"4+%%"E&@"4:+",+3@%43"I14:1?"4:,++"U9V"F@31?+33".-E3"-X+,"'&*0%+T?6"4:+"
1?G+3T6-T&?H"K8"I+".+'1.+"4:-4"4:+,+"I-3"?&"+,,&,<"I+"I1%%"3+?."E&@"-"I,1R+?"+Z0%-?-T&?H">&@"*-E"-3("8&,"'&01+3"&8"4:+".&'@*+?43"4:-4"I+"@3+."1?"&@,"
1?G+3T6-T&?H"K8"E&@"?++."*&,+"1?8&,*-T&?"-F&@4"&@,"+,,&,",+3&%@T&?"0,&'+.@,+3<"'-%%"@3"-4"MNNL9O9L7;NN"&,"I,14+"@3"-4a"5-,.:&%.+,"5@34&*+,"k+,G1'+<"
/C"$&Z"7=7e=<"l-?3-3"514E<"2C"Nf7e7H
G202/&/%!1"( W7=H=="
G"Q2/&/%B"I"0J) Wg<ggg"
489%>:%+;5<
=),#10"I2P)(%+",(
+;5<%598.57+.7>?8
B:+"*1?1*@*"-*&@?4"&8"+-':",+%&-."13"W7=H==H"B:+"*-Z1*@*"-*&@?4"&8"+-':"'-3:"G-%@+"%&-."13"WgggHggH"B:+"*-Z1*@*"?@*F+,"&8"T*+3"E&@"*-E"%&-."
E&@,"5-,."0+,".-E"13"8&@,"UfVH"B:+"*-Z1*@*"'@*@%-TG+"-*&@?4"4:-4"*-E"F+"I14:.,-I?"8,&*"-?"AB2"0+,".-E"13"W9<===H==H"B:+"*-Z1*@*"'@*@%-TG+"
-*&@?4"4:-4"*-E"F+"I14:.,-I?"8,&*"-"0-,T'10-T?6"F-?("0+,".-E"13"4:+"-G-1%-F%+"F-%-?'+"&8"E&@,"5-,.H"B:+"*-Z1*@*"4:-4"'-?"F+"30+?4"&?"E&@,"5-,."
0+,".-E"13"W9<O==H==H"
5)I1"(%=,1J)##
>&@"'-?"1?',+-3+"4:+"-G-1%-F%+"F-%-?'+"&?"E&@,"'-,."I:+?+G+,"E&@"I13:"FE",+%&-.1?6"14"-4"0-,T'10-T?6",+4-1%"%&'-T&?3"4:,&@6:"4:+"2&?+Ei,-*<"i,++?"
j&4"-?."P+34+,?"]?1&?"?+4I&,(3H"B:+"*1?1*@*"-*&@?4"&8"+-':",+%&-."13"W7=H==H"B:+"*-Z1*@*"-*&@?4"&8"+-':"'-3:"G-%@+"%&-."13"WgggHggH"B:+"
*-Z1*@*"?@*F+,"&8"T*+3"E&@"*-E"%&-."E&@,"5-,."0+,".-E"13"8&@,"UfVH"#+4-1%"'-,.L"%&-.1?6"+?TT+3"3@':"-3"i,++?"j&4<"2&?+Ei,-*"-?."P+34+,?"]?1&?"
*-E":-G+"-..1T&?-%"%&-.",+34,1'T&?3",+6-,.1?6"*1?1*@*"-?."*-Z1*@*"'-3:"G-%@+"%&-.3"-?."4:+"*1?1*@*"-?."*-Z1*@*"?@*F+,"&8"T*+3"E&@"*-E"
%&-."E&@,"5-,."@31?6"-?E"&8"4:+1,",+4-1%"'-,.L%&-.1?6"%&'-T&?3"1?"-".-EH">&@"*-E"-.."G-%@+"&,"%&-."E&@,"5-,."G1-".1,+'4".+0&314"&,",+4-1%",+%&-."0,&G1.+,3H"
K8"E&@":-G+"-,,-?6+."4&":-G+".1,+'4".+0&3143"*-.+"4&"E&@,"5-,."-4"%+-34"&?'+"+G+,E"N=".-E3"8,&*"4:+"3-*+"0+,3&?"&,"'&*0-?E<"E&@"'-?"'-%%"4:+"133@+,"-4"
MNNL9O9L7;NN"4&"S?."&@4"I:+4:+,"&,"?&4"4:+".+0&314":-3"F++?"*-.+H">&@"*-E"?&4"-.."G-%@+"&,"%&-."E&@,"'-,."FE"3+?.1?6"'-3:"&,"':+'(3".1,+'4%E"4&"4:+"
133@+,"&,"4:,&@6:"-?E"AB2H"
+,)(2$%JL)JK%,)O&2,)(@
B"0K%"JJ1&0$%,)O&2,)(@
5)O&2,)/)0$#
D&
D&
P:+?"E&@"&0+?"-?"-''&@?4"U1?'%@.1?6"-"0,+0-1."'-,."-''&@?4V<"E&@"I1%%"F+"-3(+."8&,"E&@,"?-*+<"-..,+33<".-4+"&8"F1,4:<"-?."&4:+,"1?8&,*-T&?"4:-4"I1%%"
-%%&I3"8&,"E&@,"1.+?TS'-T&?H">&@"*-E"-%3&"F+"-3(+."4&"3++"E&@,".,1G+,h3"%1'+?3+"&,"&4:+,"1.+?T8E1?6".&'@*+?43H">&@"*@34".13'%&3+"E&@,"3&'1-%"3+'@,14E"
?@*F+,"I:+?"-00%E1?6H
<2,)J$%<)'1#2$
>+3
:998*
7023"I%=&,JL"#)M;J3N"310 W="
5)I1"( W=b"B:1,."0-,4E",+%&-."8++3"*-E"-00%E"UW="L"WfHgOV
Consumer Action
Page 36 of 109
/-6+";"&8"9
"
!"#"$%&'(")*+,-%."/,+0-1."
2-34+,5-,."
;.G%+"#L%V2$L(,"V"I% W;HO="0+,"4,-?3-'T&?"I:+?"@31?6"AB23"1?"4:+"]HkH"&,"I:+?"4,-G+%1?6"-F,&-.b"W;O"CG+,"4:+"F-?("'&@?4+,"I14:.,-I-%"8++b"/%+-3+"?&4+<"-"8++"*-E"F+"
':-,6+."FE"4:+"AB2"&I?+,"-3"I+%%H"
+L)JK%=,1J)##20S W="
8)J10(%+",(%1,%5)'I"J)/)0$%+",(%W="8&,",+0%-'+*+?4<"W7="8&,"3+'&?."'-,.
<2,)J$%<)'1#2$ W=
G10$LIT%G"20$)0"0J)%:)) W="
.,"0#"J310 W="
+&#$1/),%8),N2J) W=
B"I"0J)%70O&2,T% W7"AB2"$-%-?'+"K?Q@1,E"0+,"&''@,,+?'+H">&@"'-?",+G1+I"E&@,"4,-?3-'T&?3"-?."':+'("E&@,"-G-1%-F%+"F-%-?'+";f":&@,3"-".-E"-4"
IIIH&?%1?+'-,.-''+33H'&*Y:,F%&'('-,."&,"FE"'-%%1?6"MNNL9O9L7;NNH"
;p"0+,"4,-?3-'T&?
:1,)2S0%+&,,)0JT%+10N),#210%:))
>$L), 2&?4:%E"K?-'TG14E"m++a"AX+,"9"'&?3+'@TG+"2&?4:3"I14:"?&"-'TG14E<"I+"*-E"-33+33"-"8++"&8"W;HO="8&,"+-':"*&?4:"1?"I:1':"4:+,+"13"?&"-'TG14EH"P+"I1%%"
?&4"'-@3+"-"?+6-TG+"F-%-?'+"4&"&''@,"8&,"4:+"3-(+"&8"4:13"8++H"!^#"$%&'("$-?("&,"143"-o%1-4+3"*-E",+'+1G+"-"0&,T&?"&8"5-,."8++3"-?.Y&,"1?4+,':-?6+"
8++3H
G;?;U7?U%C>45%+;5<%>?!7?9
>&@"'-?",+G1+I"E&@,"4,-?3-'T&?3"-?."':+'("E&@,"-G-1%-F%+"F-%-?'+";f":&@,3"-".-E"-4"IIIH&?%1?+'-,.-''+33H'&*Y:,F%&'('-,.
D&
>+3
F>R%.>%;A>7<%:998
AB2"m++3"L"AG&1."AB2"&I?+,"3@,':-,6+"8++3"FE"@31?6"E&@,")*+,-%."5-,."-4"-?E"AB2"I14:"4:+"A%%0&1?4"%&6&"$-?("1'&?"A%%0&1?4"K*-6+"1?"4:+"]HkH"-?."
/@+,4&"#1'&H">&@"?&I":-G+"-''+33"4&"&G+,"9O<==="AB23"?-T&?I1.+"%&'-4+."1?"D-T&?-%"-?."#+61&?-%"#+4-1%+,3"3@':"-3"eL)%+G+?<"P-%6,++?3<"B-,6+4<"
5nkY/:-,*-'E"-?."5&34'&H"B:+"W;HO="AB2"I14:.,-I-%"8++"?&4+."1?"E&@,"5-,.:&%.+,"A6,++*+?4"3T%%"-00%1+3H"$-%-?'+"K?Q@1,E"8++3L"&?%1?+"-?."FE"'-%%1?6"
'@34&*+,"3+,G1'+H
+>?:7<9?.7;!7.C
P+"*-E".13'%&3+"1?8&,*-T&?"4&"4:1,."0-,T+3"-F&@4"E&@,"5-,."&,"4:+"4,-?3-'T&?3"E&@"*-(+a"U7V"P:+,+"14"13"?+'+33-,E"8&,"'&*0%+T?6"4,-?3-'T&?3b"U;V"K?"
&,.+,"4&"G+,18E"4:+"+Z134+?'+"-?."'&?.1T&?"&8"E&@,"5-,."8&,"-"4:1,."0-,4E<"3@':"-3"-"*+,':-?4b"U9V"K?"&,.+,"4&"'&*0%E"I14:"6&G+,?*+?4"-6+?'E<"'&@,4"
&,.+,<"&,"&4:+,"%+6-%",+0&,T?6",+Q@1,+*+?43b"UfV"K8"E&@"61G+"@3"E&@,"I,1R+?"0+,*1331&?<"&,"UOV"B&"&@,"+*0%&E++3<"-@.14&,3<"-o%1-4+3<"3+,G1'+"0,&G1.+,3<"&,"
-R&,?+E3"-3"?++.+.H
=57A;+C%?>.7+9
http://www.hrblock.com/bank/privacy_statement.html
Consumer Action
Page 37 of 109
/-6+"9"&8"9
"
Jackson Hewitt smartcard Visa Prepaid Card
!"#$%&'("$)(* *"+,-%../%.0&.
7=A;%?4%+=:5%6889;:
7=A;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
+",(-#%.),/#%"0(%+10(2310#
9:!%1@%6889;:
6889;:%>D?7;
+=:5%=E=6!=B6!6.F%G8.=.;8H
456+%6789:;5<
4:=95%>:?.;+.6?7<
Consumer Action
Page 38 of 109
A)$"B"0C
http://blog.jacksonhewitt.com/smartcard/
https://secure3.galileoprocessing.com/acct4/getContent.php?nm=MDAxNlL4n61RpjdaSxZuV
azURjEK
http://www.bankmeta.com/
1223.&132211
All 50
4$5
6$77%85%96%:;<=%>(%?'8%@$7>$A$%?'8+%<"+B%'+%!C;%-"5%@$$D%7'5E%'+%5E'7$D/%'+%>(%?'8%@$7>$A$%E-"E%"D%
$7$,E+'D>,%(8DB%E+"D5($+%-"5%@$$D%F"B$%G>E-'8E%?'8+%H$+F>55>'DI%6$7$H-'D>D#%E'773(+$$%"E%1223J&13
)K..%>5%E-$%@$5E%G"?%'(%L$$H>D#%?'8+%H'55>@7$%7'55$5%B'GDI%4'8%,'87B%7'5$%"77%E-$%F'D$?%>D%?'8+%
<"+B%",,'8DEI%C(%?'8%E$77%85%G>E->D%.%@85>D$55%B"?5%"M$+%?'8%7$"+D%'(%E-$%7'55%'+%E-$M%'(%?'8+%<"+B%
'+%!C;/%?'8%,"D%7'5$%D'%F'+$%E-"D%NJ0%>(%5'F$'D$%85$B%?'8+%<"+B%'+%!C;%G>E-'8E%?'8+%
H$+F>55>'DI%C(%?'8%B'%;:6%E$77%85%G>E->D%.%@85>D$55%B"?5%"M$+%?'8%7$"+D%'(%E-$%7'55%'+%E-$M%'(%?'8+%
<"+B%'+%!C;/%"DB%G$%,"D%H+'A$%G$%,'87B%-"A$%5E'HH$B%5'F$'D$%(+'F%85>D#%?'8+%<"+B%'+%!C;%
G>E-'8E%?'8+%H$+F>55>'D%>(%?'8%-"B%E'7B%85/%?'8%,'87B%7'5$%"5%F8,-%"5%NJ00I%975'/%>(%?'8+%
$7$,E+'D>,%->5E'+?%5-'G5%E+"D5($+5%E-"E%?'8%B>B%D'E%F"L$/%>D,78B>D#%E-'5$%F"B$%@?%?'8+%<"+B%'+%
'E-$+%F$"D5/%E$77%85%"E%'D,$I%C(%?'8%B'%D'E%E$77%85%G>E->D%20%B"?5%'(%E-$%$"+7>$+%'(%E-$%B"E$%?'8%
$7$,E+'D>,"77?%",,$55%?'8+%",,'8DE/%>(%E-$%8D"8E-'+>O$B%E+"D5($+%,'87B%@$%A>$G$B%>D%?'8+%$7$,E+'D>,%
->5E'+?/%'+%E-$%B"E$%G$%5$DE%E-$%PCQR6%G+>S$D%->5E'+?%'D%G->,-%E-$%8D"8E-'+>O$B%E+"D5($+%
"HH$"+$B/%?'8%F"?%D'E%#$E%@",L%"D?%F'D$?%?'8%7'5E%"M$+%E-$%20%B"?5%>(%G$%,"D%H+'A$%E-"E%G$%
,'87B%-"A$%5E'HH$B%5'F$'D$%(+'F%E"L>D#%E-$%F'D$?%>(%?'8%-"B%E'7B%85%>D%TF$I%C(%"%#''B%+$"5'D%
U58,-%"5%"%7'D#%E+>H%'+%"%-'5H>E"7%5E"?V%L$HE%?'8%(+'F%E$77>D#%85/%G$%G>77%$WE$DB%E-$%TF$%H$+>'B5%('+%
"%+$"5'D"@7$%H$+>'BI
!"#$%&%'(%)
;::?:%:;8?!9.6?7<
CD%,"5$%'(%$++'+5%'+%[8$5T'D5%"@'8E%?'8+%<"+B/%,"77%1223J&13)K..%'+%G+>E$%E'%85%"E%Y",L5'D%Z$G>S%
5F"+E,"+B/%!:%\'W%K&)0./%R"7E%]"L$%<>E?/%^6%1)&KK&)0.%"5%5''D%"5%H'55>@7$/%>(%?'8%E->DL%"D%$++'+%
-"5%',,8++$B%>D%?'8+%<"+B%",,'8DEI%_$%F85E%-$"+%(+'F%?'8%D'%7"E$+%E-"D%5>WE?%U20V%B"?5%"M$+%E-$%
$"+7>$+%'(%E-$%B"E$%?'8%$7$,E+'D>,"77?%",,$55%?'8+%",,'8DE/%>(%E-$%$++'+%,'87B%@$%A>$G$B%>D%?'8+%
$7$,E+'D>,%->5E'+?/%'+%E-$%B"E$%G$%5$DE%E-$%PCQR6%G+>S$D%->5E'+?%'D%G->,-%E-$%$++'+%"HH$"+$BI%4'8%
F"?%+$[8$5E%"%G+>S$D%->5E'+?%'(%?'8+%E+"D5",T'D5%"E%"D?%TF$%@?%,'DE",TD#%85%"E%E-$%D8F@$+%'+%
"BB+$55%"@'A$I%4'8%G>77%D$$B%E'%E$77%85%E-$%('77'G>D#`%U&V%?'8+%D"F$/%U.V%?'8+%<"+B%D8F@$+/%UaV%
G-?%?'8%@$7>$A$%E-$+$%>5%"D%$++'+/%U)V%E-$%B'77"+%"F'8DE%>DA'7A$B/%"DB%UJV%"HH+'W>F"E$7?%G-$D%E-$%
$++'+%E''L%H7",$I%C(%?'8%E$77%85%'+"77?/%G$%F"?%+$[8>+$%E-"E%?'8%5$DB%85%?'8+%,'FH7">DE%'+%[8$5T'D%
>D%G+>TD#%G>E->D%&0%@85>D$55%B"?5I%_$%G>77%B$E$+F>D$%G-$E-$+%"D%$++'+%',,8++$B%G>E->D%&0%
@85>D$55%B"?5%"M$+%G$%-$"+%(+'F%?'8%"DB%G>77%,'++$,E%"D?%$++'+%H+'FHE7?I%C(%G$%D$$B%F'+$%TF$/%
-'G$A$+/%G$%F"?%E"L$%8H%E'%)J%B"?5%E'%>DA$5T#"E$%?'8+%,'FH7">DE%'+%[8$5T'DI%C(%G$%B$,>B$%E'%B'%
E->5/%G$%G>77%H+'A>5>'D"77?%,+$B>E%?'8+%",,'8DE%G>E->D%&0%@85>D$55%B"?5%('+%E-$%"F'8DE%?'8%E->DL%>5%
>D%$++'+/%5'%E-"E%?'8%G>77%-"A$%E-$%F'D$?%B8+>D#%E-$%TF$%>E%E"L$5%85%E'%,'FH7$E$%'8+%>DA$5T#"T'DI%
P8DB5%G>77%+$F">D%,'DTD#$DE%'D%G-$E-$+%G$%B$E$+F>D$%>(%"D%$++'+%',,8++$BI%C(%G$%"5L%?'8%E'%H8E%
?'8+%,'FH7">DE%'+%[8$5T'D%>D%G+>TD#%"DB%G$%B'%D'E%+$,$>A$%>E%G>E->D%&0%@85>D$55%B"?5/%G$%F"?%
D'E%,+$B>E%?'8+%",,'8DEI%P'+%$++'+5%>DA'7A>D#%D$G%",,'8DE5/%!:R/%'+%('+$>#D3>D>T"E$B%E+"D5",T'D5/%
G$%F"?%E"L$%8H%E'%b0%B"?5%E'%>DA$5T#"E$%?'8+%,'FH7">DE%'+%[8$5T'DI%P'+%D$G%",,'8DE5/%G$%F"?%
E"L$%8H%E'%.0%@85>D$55%B"?5%E'%,+$B>E%?'8+%",,'8DE%('+%E-$%"F'8DE%?'8%E->DL%>5%>D%$++'+I%_$%G>77%E$77%
?'8%E-$%+$587E5%G>E->D%E-+$$%@85>D$55%B"?5%"M$+%,'FH7$TD#%'8+%>DA$5T#"T'DI%C(%G$%B$,>B$%E-"E%
E-$+$%G"5%D'%$++'+/%G$%G>77%5$DB%?'8%"%G+>S$D%$WH7"D"T'DI%4'8%F"?%"5L%('+%,'H>$5%'(%E-$%
B',8F$DE5%G$%85$B%>D%'8+%>DA$5T#"T'DI%C(%?'8%-"A$%"D?%(8+E-$+%[8$5T'D5%+$#"+B>D#%'8+%$++'+%
+$5'78T'D%H+',$B8+$5/%H7$"5$%,'DE",E%85%@?%,"77>D#`%1223J&13)K..%'+%G+>TD#%E'%85%"E%Y",L5'D%
Z$G>S%5F"+E,"+B/%!:%\'W%K&)0./%R"7E%]"L$%<>E?/%^6%1)&KK&)0.I
.)/'1,",M%+",(
6$FH'+"+?%,"+B5%"+$%#>A$D%G-$D%,85E'F$+%-"5%E-$>+%E"W%+$E8+D%7'"B$B%'D%E'%E-$%,"+BI%;'%5H$,>"7%
E$FH'+"+?%,"+B%+$5E+>,T'D5I%<"+B-'7B$+%>5%$A$DE8"77?%F">7$B%"%H$+5'D"7>O$B%,"+B%G>E-%E-$>+%D"F$%
'D%>EI%6$FH'+"+?%,"+B5%"+$%8D"A">7"@7$%E'%H8+,-"5$%'D%E-$>+%'GDI%*85E%@$%"%E"W%,85E'F$+%E'%
+$,$>A$%"%E$FH'+"+?%,"+BI
A202/&/%!1"( N&0X%:D7?%E"W%+$E8+D5%+$,>A$B%"E%Y",L5'D%Z$G>S%"+$%7'"B$B%'D%E'%E$FH'+"+?%,"+B5
A"I2/&/%B"J"0K) N.0/000%
>),#10"J2L)(%+",(
98;%?4%+=:5
A202/&/%!1"( N&0I00%
A"I2/&/%B"J"0K) N.0/000%
%*"L$%H8+,-"5$5%"D?G-$+$%c>5"%B$@>E%,"+B5%"+$%",,$HE$B/%>D,78B>D#%#+',$+?%5E'+$5/%#"5%5E"T'D5/%
B$H"+EF$DE%5E'+$5%"DB%F'+$%
Consumer Action
Page 39 of 109
!"#$%.%'(%)
+=:5%:;8.:6+.6?78
]>F>E"T'D5%'D%B'77"+%"F'8DE5%'(%E+"D5($+5`%U&V%4'8%F"?%G>E-B+"G%8H%E'%NJ/000I00%(+'F%E$+F>D"75%
$",-%B"?%8D7$55%?'8%'@E">D$B%?'8+%<"+B%'D7>D$/%>D%G->,-%,"5$%?'8%F"?%G>E-B+"G%8H%E'%N200I00%
(+'F%E$+F>D"75%$",-%B"?I%U.V%4'8%F"?%H"?%@>775%8H%E'%N.J0I00%H$+%E+"D5",T'D%85>D#%'8+%@>77%H"?%
5$+A>,$I%UaV%4'8%F"?%E+"D5($+%(8DB5%E'%?'8+%'E-$+%<"+B%",,'8DE5%8H%E'%N.J0I00%H$+%E+"D5",T'DI
:)J1"(%>,1K)##
Q$7'"B%,"5-%(+'F%"D?%+$E">7%D$EG'+L%5'78T'D%7>L$%_$5E$+D%^D>'D/%d+$$De'E/%*'D$?d+"F/%c>5"%
Q$"B?]>DL%'+%!"?f'D$%I%Q$7'"B5%"+$%D'E%B'D$%"E%Y",L5'D%Z$G>SI%6->+B%H"+E?%,"5-%+$7'"B%($$5%G>77%
"HH7?%U8H%E'%N)IbJV
+,)(2$%KN)KC%,)O&2,)(<
B"0C%"KK1&0$%,)O&2,)(<
:)O&2,)/)0$#
;'
;'
_-$D%?'8%'H$D%"%,"+B%",,'8DE/%?'8%G>77%@$%"5L$B%('+%?'8+%D"F$/%"BB+$55/%B"E$%'(%@>+E-/%5',>"7%
5$,8+>E?%D8F@$+%"DB%'E-$+%>D('+F"T'D%E-"E%G>77%>B$DT(?%?'8I%4'8%F"?%"75'%@$%"5L$B%E'%H+'A>B$%"%
B+>A$+5%7>,$D5$%'+%'E-$+%>B$DT(?>D#%B',8F$DEI%
52,)K$%5)'1#2$
e>+$,E%e$H'5>E%3%]'"B%"77%'+%"%H'+T'D%'(%"%H"?,-$,LX%\$D$gE5%e>+$,E%3%]'"B%#'A$+DF$DE%@$D$gE5%
U^D$FH7'?F$DE/%R',>"7%R$,8+>E?/%c$E$+"D5%\$D$gE5V%%
9>P:=5;8
4;;8*
http://blog.jacksonhewitt.com/Prepare-Your-Taxes/In-Office-ProductsServices/ipower%C2%AE-Card/Fee-Schedule/
6023"J%>&,KN"#)Q=K3R"310 N0%
:)J1"( N0X%6->+B%H"+E?%+$7'"B%($$5%F"?%"HH7?%UN0%3%N)IbJV
S2$N(,"S"J% 96*%3%N.IJ0%H$+%E+"D5",T'DX%N.IbJ%CDE$+D"T'D"7%96*%P$$%H$+%E+"D5",T'DX%:A$+%E-$%<'8DE$+%3%
N)IbJ%H$+%E+"D5",T'D
8)K10(%+",(%1,%:)'J"K)/)0$%+",( N)IbJ%
52,)K$%5)'1#2$ N0
A10$NJM%A"20$)0"0K)%4)) NJIbJ%
B2JJ%>"M =7$,E+>,`%NI)JX%*"D8"`%NIbbX%<-$,L%,"D,$7`%NbIbJ
.,"0#"K310 R>#D"E8+$%3%N0X%!C;%3%NI.J%H$+%E+"D5",T'D
+&#$1/),%8),R2K) N.%]>A$%9#$DE%Ug+5E%.%(+$$VX%R*R%97$+E`%N0X%98E'F"E$B%c'>,$%Q$5H'D5$`%N0
B"J"0K)%60O&2,M% 96*%\"7"D,$%CD8>+?%3%NIJ0%UB'F$5T,V/%N&IJ0%U>DE$+D"T'D"7V
41,)2T0%+&,,)0KM%+10R),#210%4)) ah%H$+%E+"D5",T'D
?$N), !"H$+%5E"E$F$DE`%N0IbJX%\"7"D,$%Q$(8DB`%N&0I00X%<"+B3E'3\"DL%E+"D5($`%N0Ibb
A=7=P67P%F?9:%+=:5%?7!67;
4'8%F"?%'@E">D%>D('+F"T'D%"@'8E%E-$%"F'8DE%'(%F'D$?%?'8%-"A$%+$F">D>D#%>D%?'8+%<"+B/%"7'D#%
G>E-%"%203B"?%->5E'+?%'(%",,'8DE%E+"D5",T'D5/%'D37>D$%"E%GGGIY",L5'DZ$G>SI,'Fi5F"+E,"+BI
;'
4$5
Consumer Action
Page 40 of 109
!"#$%a%'(%)
D?U%.?%=E?65%4;;8
%=D+'77%>D%e>+$,E%e$H'5>E%E'%+$7'"B%,"+B%('+%(+$$X%!C;%,"5-%@",L%'HT'D%('+%NI.J%($$%A$+585%"%N.IJ0%
96*%($$I%
+?7465;7.6=!6.F
Y",L5'D%Z$G>S%F"?%B>5,7'5$%>D('+F"T'D%E'%E->+B%H"+T$5%"@'8E%?'8+%<"+B%",,'8DE%'+%E-$%
E+"D5",T'D5%?'8%F"L$`%U&V%_-$+$%>E%>5%D$,$55"+?%('+%,'FH7$TD#%E+"D5",T'D5X%U.V%CD%'+B$+%E'%A$+>(?%
E-$%$W>5E$D,$%"DB%,'DB>T'D%'(%?'8+%<"+B%",,'8DE%('+%"%E->+B%H"+E?/%58,-%"5%F$+,-"DEX%UaV%CD%'+B$+%
E'%,'FH7?%G>E-%#'A$+DF$DE%"#$D,?%'+%,'8+E%'+B$+5/%'+%'E-$+%7$#"7%+$H'+TD#%+$[8>+$F$DE5X%U)V%C(%
?'8%#>A$%85%?'8+%G+>S$D%H$+F>55>'DX%'+%UJV%6'%'8+%$FH7'?$$5/%"8B>E'+5/%"m7>"E$5/%5$+A>,$%
H+'A>B$+5/%'+%"S'+D$?5%"5%D$$B$BI
>:6E=+F%7?.6+;
?$N),%60@1
Consumer Action
Page 41 of 109
http://blog.jacksonhewitt.com/privacy-policy/
<+$B>E%'j$+`%>9BA"D,$%]>D$%'(%<+$B>E%(+'F%*$E"\"DL%H+'A>B$5%R>FH7$/%R$D5>@7$%<+$B>E%G-$D%7>($%
B'$5DkE%#'%",,'+B>D#%E'%H7"DI%d$E%"%5-'+E3E$+F%7'"D%.)iK%"DB%#$E%E-$%(8DB5%?'8%D$$B/%>D5E"DE7?I%
>9BA"D,$%>5%"D%'H$D3$DB%7>D$%'(%,+$B>E%'j$+$B%@?%*$E"\"DL/%"%($B$+"77?%,-"+E$+$B%5"A>D#5%
"55',>"T'D%7',"E$B%>D%R>'8W%P"77/%ReI%<$+E">D%($$5%"DB%$7>#>@>7>E?%+$[8>+$F$DE5%"HH7?I%<'D587E%E-$%
P9l5%"E%GGGIF?>"BA"D,$I,'F%('+%(8+E-$+%B$E">75I%R"A>D#5%:j$+`%;'G%?'8%,"D%-"A$%"%5$H"+"E$%
5"A>D#5%",,'8DE%7>DL$B%E'%?'8+%>H'G$+<"+BI%%="+D%>DE$+$5E%;'%",,'8DE%'H$D>D#%($$/%;'%'A$+B+"M%
($$5/%*"D"#$%@'E-%",,'8DE5%'D7>D$/%PeC<%>D58+$B%
!"#$%)%'(%)
!"#$%&!"'()*+"*,&-*)."/,&+"*,
!"#$%&'("$)(*
!"*34&556&5705
57@1%92%47,3%/00+1,
57@1%92%47,3
+,!%09+,41%92%47,3%/529
4"B(G-D()B%7HB))I)A$J:)BI#%"A(%
4-A(KC-A#%%%%
+,!%-.%/00+1,
/00+1,%8F951
47,3%7;7/!7</!/:=%>0:7:10?
23/4%/50+,136
2,7+3%8,9:14:/956
Consumer Action
Page 42 of 109
/A$)B%5"C-A"D%<"AE
Mango MasterCard Prepaid Card
https://www.mangomoney.com/what-is-mango
https://www.mangomoney.com/customer-agreements/mango-card-programcustomer-agreement
https://www.inbweb.com/
899:8;<:5<2<
Yes
Yes
IF YOU BELIEVE THAT ANY OF YOUR ACCESS DEVICES HAVE BEEN LOST OR
STOLEN OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM
YOUR ACCOUNT WITHOUT YOUR PERMISSION, CONTACT CUSTOMER SERVICE
IMMEDIATELY. Remember that your Registered Mobile Phone is an Access Device,
and thus its loss or theft must also be reported to us if you are enrolled in YAP
Services. Contacting Customer Service via telephone is the preferred method of
communication regarding lost or stolen Access Devices. If your Access Device has
been lost or stolen, we will close your Account. If your PIN has been compromised,
we retain the right to reset your PIN.
You may be liable for unauthorized use of your Access Devices. If you inform us
within two Business Days after you learn of the loss or theft of any of your Access
Devices, you will not be liable for more than $50 if someone used your Access
Device without your permission. If you do NOT notify us within two Business Days
after you learn of the loss or theft of your Access Device, and we can prove we
could have stopped someone from using your Access Device without your
permission if you had notified Customer Service, you could be liable for as much as
$500. If your Account history shows transactions that you did not authorize, notify
Customer Service immediately. If you fail to notify Customer Service of
unauthorized transactions on your Account within 90 days after the Account history
was available to you, you may not be entitled to recover any funds you lost after
the 90 days if we can prove that we could have prevented the unauthorized
transaction if you had notified Customer Service in time.
-"$)&0&%1&2
!"#$%&!"'()*+"*,&-*)."/,&+"*,
1,,9,%,109!+:/956
Contact Customer Service immediately if you think your Account history or receipt
is wrong or if you require additional information about a transaction listed on the
Account history or receipt. You must contact Customer Service no later than 90
days after the problem or error appears in your Account history. You should provide
the following information: name, Account number, description of the error or the
transaction, explanation as to why you believe it is an error or why you need more
information, and the dollar amount of the suspected error. If you inform us orally,
we may require that you send your complaint or question in writing within 10
Business Days. We will determine whether an error occurred within 10 Business
Days after we hear from you and will correct any error promptly. If we require
additional time, we may take up to 45 days to investigate your complaint or
question. If additional investigation is required, we will credit your Account within
10 Business Days for the disputed amount. If we ask you to put your complaint or
question in writing and we do not receive it within 10 Business Days, we may not
credit your Account. For errors involving new Accounts, POS, or foreign-initiated
transactions, we may take up to 90 days to investigate your complaint or question.
For new Accounts, we may take up to 20 Business Days to credit your Account for
the disputed amount. We will inform you of the results within three Business Days
after completing the investigation. If we decide that there was no error, we will send
you a written explanation. You may ask for copies of the documents that were used
in the investigation.
8)B#-A"DKN)(%4"B(
+01%92%47,3
@KAKI&I%!-"( K7?70
@"LKI&I%<"D"AM) K076777
='/#$&(4)&!"#$%&+"*,&/'&'"1)*&(4"#&>'/#$&3"'4?&@%>&3"#&>')&A%>*&!"#$%&+"*,&"(&B/CC/%#'&
%1&!"'()*+"*,&-*)."/,&C%3"D%#'&E%*C,E/,)6&/#3C>,/#$&FG!'6&*)("/C&'(%*)'&"#,&1%*&')3>*)&
%#C/#)&'4%../#$?&-C>'&A%>&3"#&(*"3H&A%>*&'.)#,/#$&"#,&B"#"$)&A%>*&"33%>#(&%#C/#)&
52I9?
47,3%,10:,/4:/950
F&,"/CA&B"J/B>B&E/(4,*"E"C&C/B/(&%1&K<77&"&,"A?&L%",&C/B/('&B"A&M"*A&NA&(4/*,&."*(A?&
,)D-"(%8B-M)##
@%>&B"A&C%",&1>#,'&(%&A%>*&F33%>#(&>'/#$&3"'46&,/*)3(&,).%'/(6&NA&(*"#'1)**/#$&1>#,'&
1*%B&"&O*))#&P%(&!%#)A-"H6&(4*%>$4&*)3)/.(&%1&"&(*"#'1)*&1*%B&"#%(4)*&QRM:"SC/"(),&
+"*,&%*&F33%>#(6&%*&F+T&(*"#'1)*U&"(&."*D3/."D#$&C%3"D%#'&A%>&B"A&"C'%&C%",&1>#,'&(%&
A%>*&F33%>#(&NA&34)3H?&-"*D3/."D#$&."*(#)*'&"#,&(4)&B)(4%,'&%1&C%",/#$&A%>*&F33%>#(&
B"A&34"#$)?&L%",'&"*)&$)#)*"CCA&*)V)3(),&/#&A%>*&F33%>#(&N"C"#3)&(4)&'"B)&,"A&(4)A&
"*)&B",)6&)J3).(&(4"(&F33%>#(&N"C"#3)'&"*)&.*%M/'/%#"C&1%*&34)3H&C%",'&>#DC&3%CC)3D%#&/'&
W#"C?&
4B)(K$%MG)ME%B)O&KB)(6
<"AE%"MM-&A$%B)O&KB)(6
X%
X%
Consumer Action
Page 43 of 109
-"$)&5&%1&2
!"#$%&!"'()*+"*,&-*)."/,&+"*,
,)O&KB)I)A$#
Z4)#&A%>&%.)#&"&3"*,&"33%>#(6&A%>&E/CC&N)&"'H),&1%*&A%>*&#"B)6&",,*)''6&,"()&%1&N/*(46&
"#,&%(4)*&/#1%*B"D%#&(4"(&E/CC&/,)#D1A&A%>?&@%>&B"A&"C'%&N)&"'H),&(%&.*%M/,)&"&,*/M)*'&
C/3)#')&%*&%(4)*&/,)#D1A/#$&,%3>B)#(?&
3KB)M$%3)'-#K$
F33)''/#$&A%>*&."A34)3H&%*&N)#)W('&34)3H&/'&1*))6&1"'(&"#,&)"'A&E/(4&!"#$%&P/*)3(&
P).%'/(?&[/$#/#$&>.&/'&)"'A?&[/B.CA&WCC&%>(&(4)&1%*B&(4"(&3%B)'&E/(4&A%>*&.*)."/,&3"*,&%*&
C%$&/#&(%&A%>*&"33%>#(&3)#()*&"#,&3C/3H&%#&(4)&P/*)3(&P).%'/(&("N?&[(%.&>'/#$&34)3H&
3"'4/#$&')*M/3)'&"#,&"M%/,&>##)3)''"*A&(*/.'&(%&,).%'/(&A%>*&34)3H?&Z4)#&A%>&)#*%CC&/#&
P/*)3(&P).%'/(&E/(4/#&;7&,"A'&%1&%.)#/#$&A%>*&"33%>#(6&A%>*&!"#$%&"33%>#(&E/CC&N)&
3*),/(),&E/(4&K57&"\)*&5&P/*)3(&P).%'/('&]W*'(&DB)&P/*)3(&P).%'/(&3>'(%B)*'^?&X%&#)),&
(%&E"/(&(%&'("*(&'"M/#$?&O)(&"&'"M/#$'&"33%>#(_&(4"(&/'&%M)*&2`J&N)a)*&(4)&/#,>'(*A&
"M)*"$)_?&b1&A%>&)#*%CC&/#&%>*&1*))&P/*)3(&P).%'/(&A%>&3"#&%.)#&"&["M/#$'&F33%>#(&E/(4&"'&
C/aC)&"'&K0&"#,&$)(&>.&(%&<?77c&F-@_?&@%>&3"#&)#d%A&>.&(%&<&1*))&(*"#'1)*'&%>(&)"34&
B%#(4?&@%>&3"#&)M)#&(*"#'1)*&B%#)A&1*%B&A%>*&.*)."/,&3"*,&(%&A%>*&'"M/#$'&"33%>#(&
E/(4&"&'/B.C)&()J(&B)''"$)?
2110*
https://www.mangomoney.com/simple-fees#mango-simple-fees
/AKC"D%8&BMG"#)J7MCP"C-A K`&E4)#&%*,)*&3"*,
,)D-"( K7U&G4/*,&."*(A&*)C%",&1))'&B"A&"..CA&]>.&(%&K2?;`^
7:@%4"#G%RK$G(B"R"D% K5U&b#()*#"D%#"C&FG!&Z/(4,*"E"C&:&K5?77&g5c
4G)ME%8B-M)##KAH
0)M-A(%4"B(%-B%,)'D"M)I)A$%4"B( K7?77&
3KB)M$%3)'-#K$ e*))&,/*)3(&,).%'/(?&Z4)#&A%>&)#*%CC&/#&P/*)3(&P).%'/(&E/(4/#&;7&,"A'&%1&%.)#/#$&A%>*&
"33%>#(6&A%>*&!"#$%&"33%>#(&E/CC&N)&3*),/(),&E/(4&K57&"\)*&5&P/*)3(&P).%'/('?
@-A$GDQ%@"KA$)A"AM)%2)) K`&:&+4"*$),&%#&"&Y7&,"A&3A3C)?&+>'(%B)*'&E4%&C%",&"(&C)"'(&K`77&.)*&3"C)#,"*&B%#(4&
"*)&)C/$/NC)&(%&*)3)/M)&"&K`&3*),/(&"(&(4)&N)$/##/#$&%1&(4)&1%CC%E/#$&B%#(46&3%BB)#3/#$&
X%M)BN)*&06&5700?&fJ3C>,)'&1>#,'&*)3)/M),&1*%B&"&(*"#'1)*&1*%B&"#%(4)*&3"*,&"33%>#(
:B"A#"MC-A# K7&
4&#$-I)B%0)BPKM) K?<7&.)*&C/M)&"$)#(&3"CC
<"D"AM)%/AO&KBQ% K7?`7&:&h/"&FG!6&bhQ&]">(%B"(),&.4%#)&'A'()B^6&%*&3>'(%B)*&')*M/3)&*).*)')#("DM)?&
!"#$%&34"*$)'&#%&1))'&1%*&34)3H/#$&A%>*&N"C"#3)&%#C/#)6&%*&/1&A%>i*)&)#*%CC),&/#&@F-j&
B%N/C)&."AB)#('&E4)#&()JD#$&kN"Cl&(%&88;886&%*&(4*%>$4&E/*)C)''&"C)*('6&%*&(4)&!"#$%&
/-4%#)&"..C/3"D%#?&
5c
2-B)KHA%4&BB)AMQ%4-AP)B#K-A%2))
9$G)B @F-&!%N/C)&-"AB)#('&&:&K7?`7U&&+C%')&F33%>#(&:&K07&],)C/M)*A&%1&#)(&"M"/C"NC)&1>#,'&M/"&
34)3H&"(&"33%>#(&3C%'>*)^
Consumer Action
Page 44 of 109
-"$)&Y&%1&2
!"#$%&!"'()*+"*,&-*)."/,&+"*,
@757S/5S%=9+,%47,3%95!/51
G*"3H&A%>*&'.)#,/#$&"#,&B"#"$)&A%>*&"33%>#(&%#C/#)&52I9&"(&
4a.'mIIBA?B"#$%B%#)A?3%BIC%$/#
@)'
@)'
F9T%:9%7;9/3%2110
!"#$%&!%#)A&"C'%&%n)*'&>')*'&"&')*M/3)&3"CC),&o@".?o&@".&/'&"&E"A&1%*&!"#$%&!%#)A&
3>'(%B)*'&(%&34)3H&"33%>#(&N"C"#3)'&]1*))^6&*)3)/M)&B%#)A&]1*))^6&"#,&')#,&B%#)A&(%&
"#A%#)&/#&(4)&E%*C,&]K7?`7&.)*&N"C"#3)&(*"#'1)*&(*"#'"3D%#^&"CC&(4*%>$4&(4)&>')&%1&"&
B%N/C)&.4%#)?&
4952/315:/7!/:=
G4)&(A.)'&%1&.)*'%#"C&/#1%*B"D%#&(4)&/''>)*&3%CC)3('&"#,&'4"*)'&,).)#,&%#&(4)&.*%,>3(&
%*&')*M/3)&A%>&4"M)&E/(4&(4)B?&G4/'&/#1%*B"D%#&3"#&/#3C>,)m&[%3/"C&[)3>*/(A&#>BN)*&"#,&
(*"#'"3D%#&4/'(%*AU&F33%>#(&(*"#'"3D%#'&"#,&.>*34"')&4/'(%*AU&F33%>#(&N"C"#3)'&"#,&
."AB)#(&4/'(%*AU&+*),/(&4/'(%*A&"#,&)B.C%AB)#(&/#1%*B"D%#
8,/;74=%59:/41
https://www.mangomoney.com/customer-agreements/mango-program-privacypolicy
9$G)B%/A.-
["M/#$'&"33%>#(&%n)*),&1%*&3>'(%B)*'m&b1&A%>&)#*%CC&/#&1*))&P/*)3(&P).%'/(&A%>&3"#&%.)#&
"&["M/#$'&F33%>#(&E/(4&"'&C/aC)&"'&K0&"#,&$)(&>.&(%&<?77c&F-@_?&@%>&*)3)/M)&>.&(%&<&1*))&
(*"#'1)*'&%>(&)"34&B%#(4?&@%>&3"#&(*"#'1)*&B%#)A&1*%B&A%>*&.*)."/,&3"*,&(%&A%>*&
'"M/#$'&"33%>#(&E/(4&"&()J(&B)''"$)?
Consumer Action
Page 45 of 109
-"$)&2&%1&2
Modern Cash Prepaid MasterCard
!"#$%&'("$)(* *"+,-%../%.0&.
7=@;%?4%+=:5%6889;:
7=@;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
+",(-#%.),/#%"0(%+10(2310#
9:!%1E%6889;:
6889;:%>D?7;
+=:5%=F=6!=B6!6.G%H8.=.;8I
456+%6789:;5<
4:=95%>:?.;+.6?7<
;::?:%:;8?!9.6?7<
>),#10"A2J)(%+",(
42,#$%7"310"A%B"0C
https://www.moderncashprepaid.com/index.php
https://www.moderncashprepaid.com/index.php/terms-conditions/
https://www.fnb-online.com/
12234&432251
All 50
8$9
:$;;%<9%=:%>?@A%B(%C'<%D$;B$E$%C'<+%@"+F%-"9%D$$G%;'9H%'+%9H';$G/%'+%B(%C'<%D$;B$E$%H-"H%"G%$;$,H+'GB,%
:$;$I-'G$%<9%"H%1003J)23K)20%'+%L+BH$%H'%<9%"H/%.441%@<MD$+;"GF%!"+NL"C/%!7>7%O'P%.)./%QMC+G"/%R"7%
@202/&/%!1"( 6070&%
98;%?4%+=:5
+=:5%:;8.:6+.6?78
:)A1"(%>,1L)##
@"K2/&/%B"A"0L) ?'%M"PBM<M
>G,$%C'<SE$%;'"F$F%C'<+%*'F$+G%@"9-%!+$I"BF%*"9H$+@"+F/%BH%B9%",TE"H$F%3%G'%$PH+"%,";;%+$U<B+$F%H'%
V"B;C%9I$GF%;BMBH%B9%6./000%('+%I<+,-"9$9%"GF%=:*
:"N$%C'<+%*'F$+G%@"9-%!+$I"BF%*"9H$+@"+F%H'%"GC%W$9H$+G%XGB'G%"GF%;'"F%,"9-%'G%H-$%,"+F7%:-$+$%B9%
"%W$9H$+G%XGB'G%6J00%F"B;C%;'"F%;BMBH7%=%6K7J5%W$9H$+G%XGB'G%"#$GH%($$%LB;;%D$%,-"+#$F%('+%,"9-%
+$;'"F97%
+,)(2$%LM)LC%,)N&2,)(<
?'
B"0C%"LL1&0$%,)N&2,)(<
?'
:)N&2,)/)0$#
52,)L$%5)'1#2$
4;;8*
W-$G%C'<%'I$G%"%@"+F%=,,'<GH/%*'F$+G%@"9-%LB;;%"9N%C'<%('+%C'<+%G"M$/%"FF+$99/%F"H$%'(%DB+H-/%9',B";%
8$9%3%(+$$7%Y(%C'<%9B#G%<I%('+%FB+$,H%F$I'9BH/%C'<%,"G%U<";B(C%('+%"%6&0%,+$FBH%$",-%M'GH-%H-"H%C'<%F$I'9BH%
https://www.moderncashprepaid.com/terms.php#fee-table
6023"A%>&,LM"#)O=L3P"310 60%
:)A1"( 60Z%=%6K7J5%H-B+F%I"+HC%,"9-%+$;'"F%($$%LB;;%D$%"II;B$F
=.@%+"#M%Q2$M(,"Q"A% 6.750%F'M$9T,/%6K7J5%YGH$+G"T'G";%3%=:*%'LG$+9%M"C%,-"+#$%"FFBT'G";%($$97%:'%"E'BF%H-$9$%,-"+#$9/%
8)L10(%+",(%1,%:)'A"L)/)0$%+",( 6&0700%
52,)L$%5)'1#2$ 60700%
@10$MAR%@"20$)0"0L)%4))
.,"0#"L310
+&#$1/),%8),P2L)
B"A"0L)%60N&2,R%
Consumer Action
Page 46 of 109
6J7J5
60%!Y?%"GF%QB#G"H<+$
60%
%60750%=:*%O";"G,$%YGU<B+C%3%:'%MBGBMB[$%($$9%/,'G\+M%C'<+%D";"G,$%'G;BG$%'+%DC%I-'G$%('+%]+$$7%
!"#$%&%'(%)
&c%I$+%H+"G9",T'G
41,)2S0%+&,,)0LR%+10P),#210%4))
?$M), =:*%V$,;BG$9%3%%60750Z%YG9<b,B$GH%]<GF9%3%6&K7J5%I$+%D"F%H+"G9",T'G%Z%=,,'<GH%@;'9<+$%LBH-%@-$,N%3%
6&57J5Z%QI$,B";%d$9$"+,-%]$$%_I$+%-'<+`%3%6.5700Z%@"+Fe=,,'<GH%d$",TE"T'G%]$$%3%6&J7J5Z%>E$+F+"f%
Q$+EB,$%]$$%_>IH3BG`%3%6J7J5
?'
8$9
@=7=T67T%G?9:%+=:5%?7!67;
>G;BG$%",,'<GH%"E"B;"D;$%.Ke4
?F;:5:=4.
Y(%C'<%M$$H%H-$%$;B#BDB;BHC%,+BH$+B"%L$%-"E$%$9H"D;B9-$F%"GF%$;$,H%H'%'IH3BG/%C'<%M"C%-"E$%",,$99%H'%'<+%
'E$+F+"f%9$+EB,$_H-$%g>E$+F+"f%Q$+EB,$g`7%:-$%H$+M9%"GF%,'GFBT'G9%'(%H-$%>E$+F+"f%Q$+EB,$%"+$%
F$9,+BD$F%D$;'L7
D?U%.?%=F?65%4;;8
h'"F%C'<+%,"+F%DC%<9BG#%FB+$,H%F$I'9BH%'+%DC%-"EBG#%M'G$C%H+"G9($++$F%(+'M%"G'H-$+%*'F$+G%@"9-%
",,'<GH7%=E'BF%=:*%($$9%DC%<9BG#%!Y?%H+"G9",T'G9%('+%,"9-%D",N7
+?7465;7.6=!6.G
W$%M"C%FB9,;'9$%BG('+M"T'G%H'%H-B+F%I"+T$9%"D'<H%C'<+%@"+F%'+%H-$%H+"G9",T'G9%C'<%M"N$^%_&`%W-$+$%
BH%B9%G$,$99"+C%('+%,'MI;$TG#%H+"G9",T'G9Z%_.`%YG%'+F$+%H'%E$+B(C%H-$%$PB9H$G,$%"GF%,'GFBT'G%'(%C'<+%
@"+F%('+%"%H-B+F%I"+HC/%9<,-%"9%"%M$+,-"GHZ%_)`%YG%'+F$+%H'%,'MI;C%LBH-%#'E$+GM$GH%"#$G,C/%,'<+H%'+F$+/%
'+%'H-$+%;$#";%+$I'+TG#%+$U<B+$M$GH9Z%_K`%Y(%C'<%#BE$%<9%C'<+%L+Ba$G%I$+MB99B'GZ%_5`%:'%'<+%$MI;'C$$9/%
"<FBH'+9/%"b;B"H$9/%9$+EB,$%I+'EBF$+9/%'+%"a'+G$C9%"9%G$$F$F7
>:6F=+G%7?.6+;
https://www.moderncashprepaid.com/index.php/privacy-policy/
Consumer Action
Page 47 of 109
!"#$%.%'(%)
?$M),%60E1
@'GFBT'G9%('+%d$,$BEBG#%H-$%>E$+F+"f%Q$+EB,$7%YG%'+F$+%H'%+$,$BE$%'<+%>E$+F+"f%Q$+EB,$/%C'<%M<9H%F'%
";;%'(%H-$%(';;'LBG#^%_"`%$;$,H%H'%I"+T,BI"H$%BG%H-$%>E$+F+"f%Q$+EB,$%_B7$7/%'IH3BG`%DC%,";;BG#%H-$%@<9H'M$+%
Q$+EB,$%G<MD$+%'G%H-$%D",N%'(%C'<+%@"+F%F<+BG#%G'+M";%@<9H'M$+%Q$+EB,$%-'<+9Z%_D`%BGBT"H$%=@i%
F$I'9BH9%H'%C'<+%@"+F%M$$TG#%H-$%,+BH$+B"%L$%9I$,B(C%(+'M%TM$%H'%TM$%_('+%$P"MI;$/%HL'%_.`%=@i%
F$I'9BH9%H'H";BG#%6500700%$E$+C%H-B+HC%\E$%_)5`%F"C9`Z%"GF%_,`%$G+';;%BG%Q*Q%H$PH%";$+H97%:-$%>E$+F+"f%
Q$+EB,$%LB;;%D$%",TE"H$F%'G%C'<+%@"+F%'G;C%'G,$%C'<%-"E$%9"T9\$F%$",-%'(%H-$%9H$I9%F$9,+BD$F%"D'E$7
Y(%C'<%("B;%H'%+$,$BE$%"H%;$"9H%H-$%+$U<B+$F%=@i%F$I'9BH9/%H-$%>E$+F+"f%Q$+EB,$%LB;;%D$%BMM$FB"H$;C%
F$",TE"H$F7
YG%H-$%$E$GH%C'<%<9$%H-$%'IT'G";%>E$+F+"f%Q$+EB,$%"GF%C'<+%@"+F%-"9%"%G$#"TE$%D";"G,$/%C'<+%@"+F%
LB;;%+$M"BG%'I$G%"GF%"GC%F$I'9BH9/%,+$FBH9%'+%;'"F9%LB;;%"<H'M"T,";;C%D$%"II;B$F%H'%H-$%G$#"TE$%
D";"G,$%D$('+$%H-$C%"+$%"E"B;"D;$%H'%C'<7%Y(%H-$%>E$+F+"f%Q$+EB,$%B9%F$",TE"H$F%'+%H$+MBG"H$F%('+%"GC%
+$"9'G%DC%$BH-$+%C'<%'+%<9/%C'<%M<9H%+$I"C%H-$%$GT+$%G$#"TE$%D";"G,$%"GF%+$H"N$%H-$%9H$I9%F$9,+BD$F%
"D'E$%BG%'+F$+%H'%+$",TE"H$%H-$%>E$+F+"f%Q$+EB,$7%Y(%C'<+%@"+F%-"9%"%G$#"TE$%D";"G,$%('+%M'+$%H-"G%
GBG$HC%_J0`%F"C9/%C'<+%@"+F%",,'<GH%LB;;%D$%,;'9$F%"GF%L$%+$H"BG%H-$%+B#-H%H'%I<+9<$%,';;$,T'G%'(%"GC%
"M'<GH9%'L$F%"H%'<+%9';$%"GF%"D9';<H$%FB9,+$T'G7
A;$,H+'GB,%_Q*Q`%VB9,;'9<+$97%YG%'+F$+%H'%$G+';;%BG%H-$%>E$+F+"f%Q$+EB,$/%C'<%M<9H%D$%$G+';;$F%BG%'<+%
Q*Q%H$PH%M$99"#BG#%9$+EB,$7%W$%LB;;%9$GF%C'<%"%Q*Q%H$PH%M$99"#$%L-$G$E$+%"%H+"G9",T'G%',,<+9%H-"H%
+$9<;H9%BG%"%G$#"TE$%D";"G,$%'G%C'<+%@"+F7%OC%$G+';;BG#%BG%H-$%>E$+F+"f%Q$+EB,$/%C'<%"#+$$%H'%+$,$BE$%
";;%'E$+F+"f%G'T\,"T'G9%EB"%Q*Q%H$PH%M$99"#$%H'%H-$%I-'G$%G<MD$+%C'<%-"E$%I+'EBF$F7%W$%,"GG'H%
",,$IH%+$9I'G9BDB;BHC%('+%"GC%Q*Q%H$PH%M$99"#$9%G'H%+$,$BE$F%DC%C'</%G'+%('+%"GC%F$;"C%BG%H-$%+$,$BIH%'+%
F$;BE$+C%'(%"GC%Q*Q%H$PH%G'T\,"T'G97%YH%B9%C'<+%9';$%+$9I'G9BDB;BHC%H'%$G9<+$%H-"H%H-$%BG('+M"T'G%C'<%
I+'EBF$%H'%<9%('+%Q*Q%H$PH%M$99"#$9%B9%,<++$GH%"GF%",,<+"H$7%W$%"+$%G'H%+$9I'G9BD;$%('+%;'99%'(%
M$99"#$9%"GF%'H-$+%,'G9$U<$G,$9%B(%C'<%F'%G'H%I+'EBF$%",,<+"H$%BG('+M"T'G7
8'<+%I"+T,BI"T'G%BG%H-$%'IT'G";%>E$+F+"f%!+'H$,T'G%I+'#+"M%B9%9<Dj$,H%H'%H-$%H$+M9%'(%H-B9%
Consumer Action
Page 48 of 109
!"#$%)%'(%)
NetSpend Prepaid Visa and MasterCard
!"#$%&'("$)(* *"+,-%../%.0&.
NAME OF CARD ISSUER
NAME OF CARD
<-$)5%=";/-"2%1"->?%"-(%+)$"1"->:+
4"5(6/2()5%785)).)-$9:)5.#%"-(%
4/-(,;/-#
https://www.netspend.com/account/authenticate.m
https://www.netspend.com/
URL of ISSUER
https://www.inbweb.com/ and http://www.bankmeta.com/
ISSUER PHONE
FDIC INSURED?
344563757646
FRAUD PROTECTION?
Yes - available in terms & conditions
ERROR RESOLUTION?
Yes - available in terms & conditions
Plans
:-$+$%"+$%;-+$$%<=+,-"9$%<>"?%'<@'?9A%!"B5C958'=5D'%!>"?/%E$$%CFG"?;"#$%!>"?/%
H$;I<$?F%!+$JK$+%E$$%CFG"?;"#$%!>"?L%:-$%!"B5C958'=5D'5!>"?%F'$9%?';%-"G$%"%
J'?;->B%J"K?;$?"?,$%($$%M=;%F'$9%K?,>=F$%($$9%('+%<=+,-"9$%;+"?9",@'?9%N!OH%
"?F%IK#?";=+$P/%C:*%QK;-F+"Q">9%"?F%M">"?,$%K?R=K+K$9S%E$$%CFG"?;"#$%!>"?%
+$R=K+$9%"%J'?;->B%J"K?;$?",$%($$/%M=;%F'$9%?';%,-"+#$%<=+,-"9$%($$9S%!+$JK$+$%
E$$%CFG"?;"#$%+$R=K+$9%,"+F-'>F$+%=?F$+%;-$%!"B5C958'=5D'%'+%E$$%CFG"?;"#$%
<>"?9%-"G$%FK+$,;%F$<'9K;9%'(%1T00%'+%J'+$%K?%'?$%,">$?F"+%J'?;-%M$('+$%
,"+F-'>F$+9%"+$%"=;'J"@,">>B%=<#+"F$F%;'%!+$JK$+%E$$%CFG"?;"#$L%U?,$%K?%;-$%
!+$JK$+%<>"?/%,"+F-'>F$+9%"+$%?';%+$R=K+$F%;'%-"G$%"%JK?KJ=J%FK+$,;>B%F$<'9K;$F%
K?;'%;-$K+%",,'=?;9L
Personalized Card
Fill out an online order form and you're card is shipped. There's no credit
check and no upfront fees. To activate your card, you will be required to
provide your name, street address, date of birth and other information that
will allow NetSpend to identify you. NetSpend must collect this information in
accordance with The USA PATRIOT Act, a Federal law that requires all
financial institutions to obtain, verify and record information that identifies
each person who opens an account. There is absolutely no cost to order and
activate a NetSpend card. Once you activate the card, you may choose from
a selection of fee plans.
All 50 states
8$9
+,-,.&.%!/"( 1&0
+"0,.&.%1"2"-3) 1&)/222
Consumer Action
Page 49 of 109
!"#$%&%'(%)
USE OF CARD
*"W$%<=+,-"9$9%"?BQ-$+$%V$MK;%*"9;$+]"+F%"?F%bK9"%F$MK;%,"+F9%"+$%",,$<;$FA%
N&P%*"W$%<=+,-"9$%";%9;'+$9/%'G$+%;-$%<-'?$%"?F%'?>K?$S%N.P%aK;-F+"Q%,"9-%";%
C:*9%Q'+>FQKF$/%N6P%!"B%MK>>9/%+$?;/%"?F%';-$+%?$,$99K@$9
CARD RESTRICTIONS
!=+,-"9$%:+"?9",@'?95%1)/222L22%$G$+B%.)%-'=+9S%UG$+5;-$5,'=?;$+%]"9-%
aK;-F+"Q">9%5%1)/222L22%$G$+B%.)%-'=+9S%C:*%]"9-%aK;-F+"Q">9%5%16.TL00%<$+%
QK;-F+"Q">/%12)0L00%<$+%F"B/%=<%;'%4%<$+%.)%-'=+9
Reload Process
H$;I<$?F%Z$>'"F%H$;Q'+W%^',"@'?9%5%CFF%,"9-%'+%,-$,W9%;'%B'=+%H$;I<$?F%,"+F%
",,'=?;%";%"?B%'(%J'+$%;-"?%&00/000%>',"@'?9L%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
_"?W%C,,'=?;%:+"?9($+9%5%CFF%J'?$B%(+'J%GK+;=">>B%"?B%`LIL5K99=$F%M"?W%",,'=?;L%
O(%B'=%-"G$%"%,-$,WK?#%'+%9"GK?#9%",,'=?;%'+%"%M"?W%F$MK;%,"+F/%=9$%K;%;'%"FF%
J'?$B%;'%B'=+%H$;I<$?F%,"+F%",,'=?;L%`9$%!"B!">%;'%"FF%J'?$B%;'%B'=+%,"+F%('+%
(+$$L
!"B!">%5%:+"?9($++K?#%(=?F9%;'%"%H$;I<$?F%!+$<"KF%V$MK;%]"+F%K9%(+$$%Q-$?%B'=%
=9$%!"B!">L%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
H$;I<$?F%]"+F%C,,'=?;%:+"?9($+9%5%;+"?9($+%J'?$B%(+'J%'?$%H$;I<$?F%,"+F%
",,'=?;%;'%"?';-$+L%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
H$;I<$?F%Z$>'"F%!",W9%5%_=B%";%J"?B%+$;"K>%>',"@'?9L%^'"F%M$;Q$$?%1&051T00L
Requirements
H'
H'
a-$?%B'=%'<$?%"%,"+F%",,'=?;/%B'=%QK>>%M$%"9W$F%('+%B'=+%?"J$/%"FF+$99/%F";$%'(%
MK+;-/%9',K">%9$,=+K;B%?=JM$+%"?F%';-$+%K?('+J"@'?%;-";%QK>>%KF$?@(B%B'=L%8'=%
J"B%">9'%M$%"9W$F%;'%<+'GKF$%"%F+KG$+9%>K,$?9$%'+%';-$+%KF$?@(BK?#%F',=J$?;L%
Direct Deposit
I$;%=<%(+$$%VK+$,;%V$<'9K;%('+A%!"B,-$,W9/%D'G$+?J$?;%M$?$X;9/%>KW$%I',K">%
I$,=+K;B%'+%I=<<>$J$?;">%I$,=+K;B%O?,'J$/%:"Y%Z$(=?F9/%!$?9K'?%"?F%';-$+%
+$#=>"+%<"BJ$?;9L%C>>%'+%<"+;%'(%B'=+%<"B,-$,W%,"?%M$%FK+$,;>B%F$<'9K;$F%;'%B'=+%
,"+F%",,'=?;L
C[$+%B'=%J"W$%";%>$"9;%1T00%K?%VK+$,;%V$<'9K;9%K?%'?$%,">$?F"+%J'?;-/%B'=%
R=">K(B%('+%EZ\\%=<#+"F$%;'%"%H$;I<$?F%!+$JK$+%!+$<"KF%]"+FL
UPGRADES
:'%R=">K(B%('+%H$;I<$?F%!+$JK$+%9$;%=<%(+$$%FK+$,;%F$<'9K;%"?F%J"W$%"%;';">%'(%
1T00%K?%VK+$,;%V$<'9K;9%F=+K?#%'?$%,">$?F"+%J'?;-L%:-$?/%,"+F-'>F$+%QK>>%
"=;'J"@,">>B%M$%=<#+"F$F%;'%"%H$;I<$?F%!+$JK$+%,"+FL
FEES:
https://www.netspend.com/how_it_works/what_it_costs.shtml
B"CD7#DE/&DF/%B2"-
Consumer Action
Page 50 of 109
@))%
B5).,)5%@))%7(A"-$"8)%B2"7(A"-$"8)%
B2"-
!"#$%.%'(%)
10%
Initial Purchase/Set Up
10%
10%
Reload 10S%:-K+F%<"+;B%,"9-%+$>'"F%($$9%QK>>%"<<>B%N=<%;'%1)L2TP
ATM Cash withdrawal 1.LT0%<$+%QK;-F+"Q">/%<>=9%C:*%'Q?$+%($$9/%K(%"?BL%1)L2T%O?;$+?"@'?">%($$%<$+%
QK;-F+"Q">/%<>=9%C:*%'Q?$+%($$9/%K(%"?BL%
733/&-$D$/D733/&-$%:5"-#I)5%A,"%:/22D
@5))%=&.J)5%4&#$/.)5%G)5A,3)%"8)-$
G)3/-(%4"5(%/5%H)'2"3).)-$%4"5(
1)L2T%$",-
1)L2T%$",-
1)L2T%$",-
12L2T%$",-%,"+F
12L2T%$",-%
,"+F
12L2T%$",-%,"+F
Instant Bank Transfer %
Monthly Maintenance Fee 16L2T%<$+%122%NF$F=,;$F%(+'J%;-$%;+"?9($+'+h9%F$MK;%,"+F%",,'=?;PL
10%
12L2T%
1T%
Account Maintenance Fee 1TL2T%<$+%J'?;-%N($$%"<<>K$9%K(%]"+F%C,,'=?;%-"9%?';%-"F%"?B%",@GK;B/%;-";%K9/%?'%
<=+,-"9$9S%?'%,"9-%QK;-F+"Q">9S%?'%>'"F%;+"?9",@'?9S%'+%?'%M">"?,$%K?R=K+B%($$%
('+%20%F"B9PL%:-K9%($$%K9%?';%"<<>K,"M>$%;'%+$9KF$?;9%'(%]'??$,@,=;%"?F%H$Q%
g$+9$BL
Signature Purchase Transaction Fee*
1&%
10%
10%
PIN Purchase Transaction Fee
1.%
10%
10%
Customer Service/Balance Inquiry H'%($$%'?>K?$
H'%($$%GK"%C?B@J$%C>$+;9%;$Y;%'+%$5J"K>%J$99"#$
10LT0%$",-%GK"%:'>>5E+$$%H=JM$+%"=;'J";$F%9$+GK,$
10LT0%$",-%GK"%:'>>5E+$$%H=JM$+%]=9;'J$+%I$+GK,$%"#$?;
10LT0%$",-%GK"%C:*%
Foreign Currency Conversion Fee 6LTd%'(%;-$%;+"?9",@'?%"J'=?;
Other I;'<%!"BJ$?;%E$$%('+%!+$"=;-'+Kc$F%!"BJ$?;%5%1&0L00%$",-S%]-$,W%'+%CFFK@'?">%
I;";$J$?;%*"K>K?#%E$$%5%1TL2T%$",-S%C:*%:+"?9",@'?%V$,>K?$%E$$A%1&%$",MANAGING YOUR CARD ONLINE
:'%,-$,W%B'=+%M">"?,$%('+%(+$$/%>'#%K?%;'%B'=+%'?>K?$%C,,'=?;%]$?;$+/%Q-$+$%B'=%
,"?%9$$%B'=+%M">"?,$/%B'=+%F$<'9K;9%"?F%;+"?9",@'?%-K9;'+B%
-e<9AffQQQL?$;9<$?FL,'Jf>'#K?L9-;J>
8$9
8$9
Consumer Action
Page 51 of 109
!"#$%6%'(%)
HOW TO AVOID FEES
]-$,W%M">"?,$%'?>K?$%'+%MB%;$Y;%J$99"#$%;'%"G'KF%10LT0%M">"?,$%K?R=K+B%($$9
4K=@<LM=:<7!<:E
H$;I<$?F%,'>>$,;9%?'?<=M>K,%<$+9'?">%K?('+J"@'?%"M'=;%B'=%(+'J%;-$%('>>'QK?#%
9'=+,$9A%NKP%O?('+J"@'?%+$,$KG$F%(+'J%"<<>K,"@'?9%'+%';-$+%('+J9/%NKKP%
O?('+J"@'?%"M'=;%B'=+%;+"?9",@'?9%QK;-%=9/%'+%';-$+9%9=,-%"9%B'=+%]"+F%",,'=?;%
M">"?,$/%;+"?9",@'?%-K9;'+B/%<"+@$9%;'%;+"?9",@'?9%"?F%,"+F%=9"#$/%"?F%NKKKP%
O?('+J"@'?%Q$%+$,$KG$F%(+'J%;-K+F%<"+@$9/%K?,>=FK?#%#'G$+?J$?;%"#$?,K$9/%
,'?9=J$+5+$<'+@?#%"#$?,K$9/%9=,-%"9%B'=+%;"Y%KF$?@X,"@'?%?=JM$+%"?F%
,+$FK;Q'+;-K?$99%"?F%,+$FK;%-K9;'+BL%a$%"FGK9$%'=+%,=9;'J$+9%"M'=;%;-$%#$?$+">%
=9$9%'(%;-$%K?('+J"@'?%Q$%,'>>$,;%"M'=;%;-$J/%"?F%Q$%QK>>%#>"F>B%"?F%<+'J<;>B%
<+'GKF$%"FFK@'?">%$Y<>"?"@'?%K(%'=+%,=9;'J$+9%+$R=$9;%K;L%a$%J"B%FK9,>'9$%
"##+$#";$%K?('+J"@'?%"M'=;%'=+%,=9;'J$+9%"?F%('+J$+%,=9;'J$+9%;'%;-K+F%
<"+@$9%QK;-%Q-'J%Q$%J"B%-"G$%"%i'K?;%J"+W$@?#%"#+$$J$?;/%'+%;-'9$%
,'J<"?K$9%Q-'%<$+('+J%J"+W$@?#%9$+GK,$9%'?%'=+%M$-">(L%:-K9%K?,>=F$9%">>%
K?('+J"@'?%Q$%J"B%,'>>$,;%FK+$,;>B%'+%K?FK+$,;>B%(+'J%B'=L%H$;I<$?F%">9'%=9$9%
B'=+%K?('+J"@'?%;'%J"+W$;%K;9%9$+GK,$9%;'%B'=%"?F%;'%#"K?%($$FM",W%'?%<';$?@">%
?$Q%9$+GK,$9L
BH<N74E%=K:<4M
https://www.netspend.com/help/netspend_security_center/privacy_policy.sh
tml
Other Info
C%H$;I<$?F%I"GK?#9%C,,'=?;%<"B9%"%G$+B%#$?$+'=9%TL00d%C!8%NC??=">%!$+,$?;"#$%
8K$>FP
Consumer Action
Page 52 of 109
!"#$%)%'(%)
!"#$%&'("$)(**"+,-%../%.0&.
57;1%92%47,3%/00+1,
9<)=)#$%>"<?
57;1%92%47,3
+,!%09+,41%92%47,3%/529
OneWest Prepaid
4"A(B-C()A%7DA))E)<$F:)AE#%"<(%4-<(GH-<#
https://www.owb.com/banking/prepaid/
https://www.owb.com/uploadedFiles/Banking/Prepaid/TermsConditions.pdf
+,!%-.%/00+1,
https://www.owb.com/
/00+1,%8@951
47,3%7I7/!7>/!/:J%K0:7:10L
122324&35)21
23/4%/50+,136
2,7+3%8,9:14:/956
Yes
Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that
an electronic fund transfer has been made without your permission using information from
your Card or PIN by calling 1.866.229.8885. Telephoning is the best way of keeping your
possible losses down. You could lose all the money on your Card. If you tell us within two
business days after you learn of the loss or theft of your Card, you can lose no more than
$50 if someone used your Card without your permission. If you do NOT tell us within two
business days after you learn of the loss or theft of your Card, and we can prove we could
have stopped someone from using your Card without your permission if you had told us, you
could lose as much as $500. (Note: MasterCard has a Zero Liability Policy, which applies
only for signature purchase transactions. Under that policy, you will not be liable for the
amounts stated above if: (i) your Card is in good standing, (ii) you have not reported more
than two incidents of unauthorized use in the preceding 12 months, and (iii) you have
exercised reasonable care in safeguarding your Card from risk of loss or theft.) Also, if your
statement shows transfers that you did not make, including those made by Card, code or
other means, tell us at once. If you do not tell us within either 60 days after you
electronically access your Card history, provided that the electronic history made available
to you reflects the transfer, or within 60 days after we send you a written history in
response to your request for your Card transactions, you may not get back any money you
lost after the 60 days if we can prove that we could have stopped someone from taking the
money if you had told us in time. If a good reason (such as a long trip or a hospital stay)
kept you from telling us, we will extend the time periods.
Consumer Action
Page 53 of 109
All 50 states
!"#$%&%'(%)
In Case of Errors or Questions about your Card telephone us at 866.229.8885 or write us at
OneWest Bank, FSB, P.O. Box 7056, Pasadena, CA 91109-9699 as soon as you can, if you
think an error has occurred on your Card. We must allow you to report an error until 60
days after the earlier of the date you electronically access your Card history, if the error
could be viewed in your electronic history, or the date we sent the FIRST written history on
which the error appeared. You may request a written history of your transactions at any
time by calling us at 1.866.229.8885 or writing us at OneWest Bank, FSB, P.O. Box 7056,
Pasadena, CA 91109-9699. You will need to tell us: 1. Your name and Card number. 2.
Describe the error or the transfer you are unsure about, and explain as clearly as you can
why you believe it is an error or why you need more information. 3. Tell us the dollar
amount of the suspected error. If you tell us orally, we may require that you send us your
complaint or question in writing within 10 business days. We will determine whether an
error occurred within 10 business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45 days to investigate your
complaint or question. If we decide to do this, we will credit your Card within 10 business
days for the amount you think is in error, so that you will have the money during the time it
takes us to complete our investigation. If we ask you to put your complaint or question in
writing and we do not receive it within 10 business days, we may not credit your Card.
For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take
up to 90 days to investigate your complaint or question. For new Cards, we may take up to
20 business days to credit your Card for the amount you think is in error. We will tell you the
results within three business days after completing our investigation. If we decide that there
was no error, we will send you a written explanation. You may ask for copies of the
documents that we used in our investigation. If you need more information about our errorresolution procedures, call us at 866.229.8885.
1,,9,%,109!+:/956
8)A#-<"CGM)(%4"A(
;G<GE&E%!-"( $0.01
;"PGE&E%>"C"<N) O&0/000%
+01%92%47,3
47,3%,10:,/4:/950
I"?@9%J+"8B",E'8%K?D?=BL%MJ*%7?=-<+">"@%N%OP00Q%!RS%!:+,-"B$%TS?#8"=:+$U%N%O&/P00Q%!RS%
!:+,-"B$%T!V6U%N%OP00Q%J$@@$+%W"B-%7?=-<+">"@%N%OP00Q%*"X?D:D%I"?@9%J+"8B",E'8%MD':8=%N%
O&/P00%M<<?E'8"@%K?D?="E'8BL%I"?@9%*"X?D:D%K'"<%N%OP/000Q%*'8=-@9%*"X?D:D%K'"<%N%O&0/000Q%
*'8=-@9%*"X?D:D%6:DA$+%'(%K'"<B%N%&0
,)C-"(%8A-N)##
Y'%'8@?8$%('+%$@$,=+'8?,%=+"8B($+B%(+'D%"8'=-$+%",,':8=Q%'+%@'"<%>?=-%,"B-%"=%"%R8$%7$B=%A+"8,-Q%
'+%;:+,-"B$%"%Y+$$8I'=%*'8$9!"C%>?=-%,"B-%(+'D%"%+$="?@$+%
4A)(G$%NB)N?%A)O&GA)(6
>"<?%"NN-&<$%A)O&GA)(6
,)O&GA)E)<$#
6'
6'
7-$8%9':%';$8%"%,"+<%",,':8=/%9':%>?@@%A$%"BC$<%('+%9':+%8"D$/%"<<+$BB/%<"=$%'(%A?+=-/%"8<%
'=-$+%?8('+D"E'8%=-"=%>?@@%?<$8E(9%9':3%F':%D"9%"@B'%A$%"BC$<%='%;+'G?<$%"%<+?G$+B%@?,$8B$%'+%
'=-$+%?<$8E(9?8#%<',:D$8=3%
F$B3%H+$$
3GA)N$%3)'-#G$
Consumer Action
Page 54 of 109
!"#$%.%'(%)
2110*
-_;BLdd>>>3'>A3,'Dd:;@'"<$<H?@$BdZ"8C?8#d!+$;"?<dJ$+DBW'8<?E'8B3;<(
/<GH"C%8&ANB"#)F0)$%+' O435P%
,)C-"( O0%('+%$@$,=+?,%=+"8B($+B%'+%>?=-%,"B-%"=%R8$7$B=%A+"8,-%TS':=-$+8%W"@?('+8?"U3%J-?+<%;"+=9%,"B-%
+$@'"<%($$B%D"9%";;@9%T:;%='%O435PU
7:;%4"#B%TG$B(A"T"C% O0%"=%R8$7$B=%MJ*Q%O.3P0%"=%8'8NR8$7$B=%MJ*
0)N-<(%4"A(%-A%,)'C"N)E)<$%4"A( O435P%
3GA)N$%3)'-#G$ O0300%
;-<$BCS%;"G<$)<"<N)%2)) O435P
:A"<#"NH-<# O0%
4&#$-E)A%0)ARGN) &%(+$$%,"@@%;$+%D'8=-Q%O.%;$+%,"@@%=-$+$"\$+
>"C"<N)%/<O&GAS% O0%"=%R8$7$B=%MJ*/%O03P0%"=%6'8NR8$7$B=%MJ*/%O0%"=%":='D"=$<%;-'8$%B$+G?,$Q%
2-A)GD<%4&AA)<NS%4-<R)A#G-<%2))
)e%;$+%=+"8B",E'8
9$B)A OP35P%;";$+%B="=$D$8=
;757Q/5Q%J9+,%47,3%95!/51
H'@@'>%=-$%B=$;NA9NB=$;%?8B=+:,E'8B%='%$8+'@@%?8%R8@?8$%!+$;"?<%W"+<%*"8"#$D$8=%"=%'>A3,'D3%
S$@$,=%=-$%]K'#?8%='%F':+%M,,':8=^%A:_'8%"=%=-$%=';%'(%=-$%B,+$$8/%=-$8%,-''B$%];+$;"?<^%?8%=-$%
<+';<'>8%D$8:3%R8,$%$8+'@@$</%9':`@@%-"G$%B$,:+$%",,$BB%='%9':+%A"@"8,$%"8<%=+"8B",E'8%
?8('+D"E'8/%"8<%,"8%G?$>%9':+%D'8=-@9%B="=$D$8=B%(+$$%'(%,-"+#$/%"89ED$/%(+'D%"89%,'D;:=$+3
Z"@"8,$%"8<%J+"8B",E'8%M@$+=B%S$8=%J-+':#-%[D"?@%"8<%=$X=%D$BB"#$%N%4%(+$$%;$+%D'8=-/%O03&0%
;$+%"@$+=%=-$+$"\$+
F$B
@9=%:9%7I9/3%2110
aB$%<?+$,=%<$;'B?=/%A"8C%=+"8B($+B%'+%R8$7$B=%A"8C%='%@'"<%,"B-%'8%='%,"+<%='%"G'?<%+$@'"<%($$B3%
aB$%!V6%,"B-%A",C%='%"G'?<%MJ*%($$B3%*"8"#$%",,':8=%'8@?8$%='%"G'?<%,:B='D$+%B$+G?,$%"8<%
A"@"8,$%?8b:?+9%($$B3
4952/315:/7!/:J
R8$7$B=%<?B,@'B$B%?8('+D"E'8%='%=-?+<%;"+E$B%"A':=%9':+%W"+<%'+%=-$%=+"8B($+%9':%D"C$L%%T&U%
>-$+$%?=%?B%8$,$BB"+9%('+%,'D;@$E8#%=+"8B($+B/%'+%T.U%?8%'+<$+%='%G$+?(9%=-$%$X?B=$8,$%"8<%
,'8<?E'8%'(%9':+%W"+<%('+%"%=-?+<%;"+=9/%B:,-%"B%"%,+$<?=%A:+$":%'+%D$+,-"8=/%'+%T)U%?8%'+<$+%='%
,'D;@9%>?=-%#'G$+8D$8=%"#$8,9%'+%,':+=%'+<$+B/%'+%T4U%?(%9':%#?G$%:B%9':+%>+?_$8%;$+D?BB?'8/%'+%
TPU%='%':+%$D;@'9$$B/%":<?='+B/%"c@?"=$B/%B$+G?,$%;+'G?<$+B/%'+%"_'+8$9B%"B%8$$<$<3
8,/I74J%59:/41
https://www.owb.com/Privacy-And-Security/
Consumer Action
Page 55 of 109
!"#$%)%'(%)
PayPal Prepaid MasterCard
!"#$%&'("$)(* *"+,-%../%.0&.
7=G;%?4%+=:5%6889;:
7=G;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
+",(-#%.),/#%"0(%+10(2310#
9:!%1E%6889;:
.H)%A"0I1,'%A"0J
6889;:%>F?7;
IJJOLMNOJ))0
+=:5%=@=6!=A6!6.B%C8.=.;8D
456+%6789:;5<
1$2
4:=95%>:?.;+.6?7<
Consumer Action
Page 56 of 109
https://personal.paypal.com/us/cgi-bin/?cmd=_rendercontent&content_ID=marketing_us/paypal_prepaid_mastercard
https://www.paypal-prepaid.com/account/terms/PayPal_Cardholder-Agreement_01Nov11.pdf
https://thebancorp.mybankingservices.com/
All 50
3'45",5%62%78%9:3;%<(%='6%>$?<$@$%='6+%3"+A%-"2%>$$4%?'25%'+%25'?$4B%8$?$C-'4<4#%<2%5-$%>$25%D"=%5'%
E<4<E<F$%='6+%C'22<>?$%?'22$2B%G(%='6%>$?<$@$%='6+%3"+A%-"2%>$$4%?'25%'+%25'?$4/%'+%5-"5%2'E$'4$%-"2%
5+"42($++$A%'+%E"=%5+"42($+%E'4$=%(+'E%='6+%3"+A%7,,'645%D<5-'65%='6+%C$+E<22<'4/%,"??%62%"5%
HIJJK%LMNOJ))0B%G(%='6%4'P(=%62%D<5-<4%5D'%H.K%>62<4$22%A"=2%"Q$+%?$"+4<4#%'(%5-$%?'22%'+%5-$Q%'(%
='6+%3"+A/%='6%,"4%?'2$%4'%E'+$%5-"4RM0B00%<(%2'E$'4$%62$A%='6+%3"+A%D<5-'65%='6+%C$+E<22<'4B%
S4A$+%*"25$+3"+A%T6?$2/%='6+%?<"><?<5=%('+%64"65-'+<F$A%*"25$+3"+A%A$><5%5+"42",P'42%'4%='6+%
3"+A%<2%R0B00%<(%='6%4'P(=%62%D<5-<4%5D'%H.K%>62<4$22%A"=2%"4A%='6%$U$+,<2$%+$"2'4">?$%,"+$%<4%
2"($#6"+A<4#%='6+%3"+A%(+'E%?'22/%5-$Q/%'+%64"65-'+<F$A%62$B%8-<2%+$A6,$A%?<"><?<5=%A'$2%4'5%"CC?=%<(%
"%!G:%<2%62$A%"2%"%E$5-'A%'(%@$+<V,"P'4%('+%"%A<2C65$A%5+"42",P'4%'+%='6%-"@$%+$C'+5$A%5D'%H.K%'+%
E'+$%<4,<A$452%'(%64"65-'+<F$A%62$%<4%5-$%<EE$A<"5$?=%C+$,$A<4#%5D$?@$%H&.K%E'45-%C$+<'AB%G(%='6%
A'%4'5%4'P(=%62%D<5-<4%5D'%H.K%>62<4$22%A"=2%"Q$+%='6%?$"+4%'(%5-$%?'22%'+%5-$Q%'(%='6+%3"+A%"4A%
D$%,"4%C+'@$%5-"5%D$%,'6?A%-"@$%25'CC$A%2'E$'4$%(+'E%62<4#%='6+%3"+A%D<5-'65%='6+%C$+E<22<'4%
<(%='6%-"A%C+'EC5?=%4'PV$A%62/%='6%,'6?A%?'2$%"2%E6,-%"2%RM00B00B
7?2'/%<(%='6%>$,'E$%"D"+$%'(%"4AW'+%='6+%",,'645%-<25'+=%2-'D2%5+"42",P'42%5-"5%='6%A<A%4'5%
E"X$%'+%"65-'+<F$/%4'P(=%62%"5%'4,$%('??'D<4#%5-$%C+',$A6+$2%25"5$A%<4%5-$%C"+"#+"C-%?">$?$A%
YG4('+E"P'4%7>'65%1'6+%T<#-5%5'%Z<2C65$%;++'+2[%"CC$"+<4#%">'@$B%G(%='6%A'%4'5%4'P(=%62%<4%D+<P4#%
D<5-<4%2<U5=%HJ0K%A"=2%"Q$+%='6%>$,'E$%"D"+$%'(%5-$%5+"42",P'4%"4AW'+%"Q$+%5-$%",,'645%-<25'+=%
D"2%E"A$%"@"<?">?$%5'%='6/%='6%E"=%4'5%#$5%>",X%"4=%@"?6$%='6%?'25%"Q$+%5-$%2<U5=%HJ0K%A"=2%<(%D$%
,"4%C+'@$%5-"5%D$%,'6?A%-"@$%25'CC$A%2'E$'4$%(+'E%5"X<4#%5-$%@"?6$%<(%='6%-"A%4'PV$A%62%<4%PE$%
"4A%='6%"+$%#+'22?=%4$#?<#$45%'+%(+"6A6?$45%<4%5-$%-"4A?<4#%'(%='6+%3"+AB%G(%='6+%3"+A%-"2%>$$4%?'25%
'+%25'?$4/%D$%D<??%,?'2$%='6+%3"+A%7,,'645%5'%X$$C%?'22$2%A'D4B
!"#$%&%'(%)
G4%,"2$%'(%$++'+2%'+%]6$2P'42%">'65%='6+%3"+A%7,,'645/%5$?$C-'4$%62%"5%HIJJK%LMNOJ))0/%D+<5$%5'%62%
"5%!"=!"?%!+$C"<A%3"+A/%!B9B%^'U%.&NJ/%762P4/%8_%LILJIO.&NJ/%'+%$E"<?%62%"5%C+$C"<A`!"=!"?B,'E%
"2%2''4%"2%='6%,"4/%<(%='6%5-<4X%"4%$++'+%-"2%',,6++$A%<4@'?@<4#%='6+%3"+A%7,,'645B%\$%E625%"??'D%
='6%5'%+$C'+5%"4%$++'+%64P?%2<U5=%HJ0K%A"=2%"Q$+%5-$%$"+?<$+%'(%5-$%A"5$%='6%$?$,5+'4<,"??=%",,$22%
='6+%3"+A%7,,'645/%<(%5-$%$++'+%,'6?A%>$%@<$D$A%<4%='6+%$?$,5+'4<,%-<25'+=/%'+%5-$%A"5$%D$%2$45%5-$%
aGTb8%D+<c$4%-<25'+=%'4%D-<,-%5-$%$++'+%"CC$"+$AB%1'6%E"=%+$]6$25%"%D+<c$4%-<25'+=%'(%='6+%
5+"42",P'42%"5%"4=%PE$%>=%,"??<4#%62%"5%HIJJK%LMNOJ))0/%'+%D+<P4#%5'%62%"5%!"=!"?%!+$C"<A%3"+A/%!B9B%
^'U%.&NJ/%762P4/%8_%LILJIO.&NJB%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
1'6%D<??%4$$A%5'%5$??%62d%&B%1'6+%4"E$%"4A%3"+A%7,,'645%46E>$+B%.B%\-=%='6%>$?<$@$%5-$+$%<2%"4%
$++'+/%"4A%5-$%A'??"+%"E'645%<4@'?@$AB%NB%7CC+'U<E"5$?=%D-$4%5-$%$++'+%5''X%C?",$B%G(%='6%5$??%62%
@$+>"??=/%D$%E"=%+$]6<+$%5-"5%='6%2$4A%62%='6+%,'EC?"<45%'+%]6$2P'4%<4%D+<P4#%D<5-<4%5$4%H&0K%
>62<4$22%A"=2B%\$%D<??%A$5$+E<4$%D-$5-$+%"4%$++'+%',,6++$A%D<5-<4%5$4%H&0K%>62<4$22%A"=2%"Q$+%D$%
-$"+%(+'E%='6%"4A%D<??%,'++$,5%"4=%$++'+%D<5-<4%'4$%H&K%>62<4$22%A"=%'(%E"X<4#%'6+%A$5$+E<4"P'4B%
G(%D$%4$$A%E'+$%PE$/%-'D$@$+/%D$%E"=%5"X$%6C%5'%('+5=OV@$%H)MK%A"=2%5'%<4@$2P#"5$%='6+%
,'EC?"<45%'+%]6$2P'4B%G(%D$%A$,<A$%5'%A'%5-<2/%D$%D<??%,+$A<5%='6+%3"+A%7,,'645%D<5-<4%5$4%H&0K%
>62<4$22%A"=2%('+%5-$%"E'645%='6%5-<4X%<2%<4%$++'+/%2'%5-"5%='6%D<??%-"@$%5-$%E'4$=%A6+<4#%5-$%PE$%
<5%5"X$2%62%5'%,'EC?$5$%'6+%<4@$2P#"P'4B%G(%D$%"2X%='6%5'%C65%='6+%,'EC?"<45%'+%]6$2P'4%<4%D+<P4#%
"4A%='6%A'%4'5%C+'@<A$%<5%D<5-<4%5$4%H&0K%>62<4$22%A"=2/%D$%E"=%4'5%,+$A<5%='6+%3"+A%7,,'645B
a'+%$++'+2%<4@'?@<4#%4$D%3"+A2/%!9b%5+"42",P'42/%'+%('+$<#4O<4<P"5$A%5+"42",P'42/%D$%E"=%5"X$%6C%
5'%4<4$5=%He0K%A"=2%5'%<4@$2P#"5$%='6+%,'EC?"<45%'+%]6$2P'4B%a'+%4$D%3"+A%7,,'6452/%D$%E"=%5"X$%
6C%5'%5D$45=%H.0K%>62<4$22%A"=2%5'%,+$A<5%='6+%3"+A%7,,'645%('+%5-$%"E'645%='6%5-<4X%<2%<4%$++'+B%
\$%D<??%5$??%='6%5-$%+$26?52%D<5-<4%5-+$$%HNK%>62<4$22%A"=2%"Q$+%,'EC?$P4#%5-$%<4@$2P#"P'4B%G(%='6%
4$$A%E'+$%<4('+E"P'4%">'65%'6+%$++'+O+$2'?6P'4%C+',$A6+$2/%,"??%62%"5%HIJJK%LMNOJ))0/%'+%@<2<5%
DDDB!"=!"?B,'EWC+$C"<AB
;::?:%:;8?!9.6?7<
>),#10"M2O)(%+",(
G202/&/%!1"( R&0%<4<P"?%?'"A%E<4<E6EB%8-$%E<4<E6E%A'??"+%@"?6$%'(%"4=%26>2$]6$45%@"?6$%?'"A2%D<??%>$%26>f$,5%
5'%5-$%5$+E2%$25">?<2-$A%>=%5-$%'C$+"5'+%'(%5-$%<4A<@<A6"?%+$?'"A%?',"P'4
G"N2/&/%A"M"0I) R&M/000%
98;%?4%+=:5
+=:5%:;8.:6+.6?78
!1"(L:)M1"(%>,1I)##
+,)(2$%IH)IJ%,)K&2,)(<
\-$4%62<4#%='6+%+$#<25$+$A%3"+A/%5-$%25"4A"+A%E"U<E6E%,6E6?"P@$%"E'645%5-"5%E"=%>$%
1'6%E"=%"AA%(64A2%5'%='6+%3"+A/%,"??$A%Y@"?6$%?'"A<4#/[%"5%"4=%PE$B%1'6+%<4<P"?%@"?6$%?'"A%E625%>$%
:'
A"0J%"II1&0$%,)K&2,)(<
:'
Consumer Action
Page 57 of 109
!"#$%.%'(%)
:)K&2,)/)0$#
\-$4%='6%+$]6$25%"%3"+A%7,,'645/%='6%D<??%>$%"2X$A%('+%='6+%4"E$/%25+$$5%"AA+$22/%A"5$%'(%><+5-/%
"4A%'5-$+%<4('+E"P'4%5-"5%D<??%"??'D%='6%5'%>$%+$"2'4">?=%%<A$4PV$AB%1'6%E"=%"?2'%"2X%('+%='6+%
A+<@$+j2%?<,$42$%'+%'5-$+%<A$4P(=<4#%A',6E$452%"5%"4=%PE$B%8-$%2"E$%<A$4PV,"P'4%@$+<V,"P'4%
+$]6<+$E$452%"CC?=%5'%$",-%b$,'4A"+=%3"+A-'?A$+/%<(%"4=%"+$%A$2<#4"5$A%>=%='6B
52,)I$%5)'1#2$
4;;8*
1$2%O%(+$$B
https://www.paypal-prepaid.com/prepaid-debit-card/paypal_fees_popup.m
6023"M%>&,IH"#)L=I3R"310 R0%
:)M1"( R0g%8-<+A%C"+5=%+$?'"A%($$2%E"=%"CC?=%H6C%5'%R)BeMK
U2$H(,"U"M% R&BeM%78*%($$%C$+%5+"42",P'4
!1#$V%8$1M)0%1,%=((2310"M%+",(%RMBeM%('+%?'25%'+%25'?$4%,"+Ag%R0%('+%2$,'4A"+=%,"+A%'4%",,'645
52,)I$%5)'1#2$ R0B00%
G10$HMS%G"20$)0"0I)%4)) R)BeM%
.,"0#"I310 R0%
+&#$1/),%8),R2I) R0%
A"M"0I)%60K&2,S% R0%'4?<4$%"4A%'@$+%5-$%C-'4$g%RBM0%78*%>"?"4,$%<4]6<+=
.BMk
41,)2T0%+&,,)0IS%+10R),#210%4))
?$H), R&B00%O%78*%A$,?<4$%($$g%R&BeM%O%G425"45%^"4X%8+"42($+%HR&BeM%C$+%5+"42($+%'(%R&00B00%'+%?$22%O%
A$A6,5$A%(+'E%5-$%5+"42($+'+j2%A$><5%,"+A%",,'645K
G=7=Q67Q%B?9:%+=:5%?7!67;
1$2
1$2
F?P%.?%=@?65%4;;8
7@'<A%5-<+A%C"+5=%+$?'"A%($$2%>=%62<4#%A<+$,5%A$C'2<5%"4A%>"4X%5+"42($+2g%7@'<A%78*%>"?"4,$%<4]6<+=%
($$2%>=%,-$,X<4#%>"?"4,$%D<5-%5$U5%"?$+52/%'4?<4$%"4A%'@$+%5-$%C-'4$g%7@'<A%78*%D<5-A+"D"?%($$2%>=%
62<4#%!G:%5+"42",P'42%5'%+$,$<@$%,"2-%>",XB
+?7465;7.6=!6.B
!"=!"?%E"=%A<2,?'2$%<4('+E"P'4%5'%5-<+A%C"+P$2%">'65%='6+%3"+A%7,,'645%'+%5-$%5+"42",P'42%='6%
E"X$d%H&K%\-$+$%<5%<2%4$,$22"+=%('+%,'EC?$P4#%5+"42",P'42g
H.K%G4%'+A$+%5'%@$+<(=%5-$%$U<25$4,$%"4A%,'4A<P'4%'(%='6+%3"+A%'+%h<+56"?%7,,'645%('+%"%5-<+A%C"+5=/%
26,-%"2%"%*$+,-"45g%HNK%G4%'+A$+%5'%,'EC?=%D<5-%#'@$+4E$45%"#$4,=/%,'6+5%'+A$+/%'+%'5-$+%?$#"?%
+$#6?"5'+=%'+%"AE<4<25+"P@$%+$]6<+$E$452g%H)K%G(%='6%#<@$%62%='6+%D+<c$4%C$+E<22<'4g%HMK%8'%'6+%
$EC?'=$$2/%"6A<5'+2/%"i?<"5$2/%2$+@<,$%C+'@<A$+2/%'+%"c'+4$=2/%"2%4$$A$Ag%'+%HJK%95-$+D<2$%"2%
4$,$22"+=%5'%(6?V??%'6+%'>?<#"P'42%64A$+%5-<2%7#+$$E$45B
>:6@=+B%7?.6+;
https://cms.paypal.com/us/cgi-bin/marketingweb?cmd=_rendercontent&content_ID=ua/Privacy_full&locale.x=en_US
Consumer Action
Page 58 of 109
!"#$%N%'(%)
?$H),%60E1
Consumer Action
Page 59 of 109
9CP'4"?%2"@<4#2%",,'645%O%8-$%'CP'4"?%2"@<4#2%",,'645%<2%E"A$%"@"<?">?$%5'%,"+A-'?A$+2%5-+'6#-%
8-$%^"4,'+C%^"4X/%*$E>$+%aZG3B%89%9!;:%7%b7hG:lb%7339S:8/%19S%*Sb8%;b87^mGbn%7%!71!7m%
7339S:8/%9T%mG:o%8nGb%!T;!7GZ%37TZ%89%19ST%;_Gb8G:l%7339S:8B%G(%='6%"+$%26>f$,5%5'%G45$+4"?%
T$@$46$%b$+@<,$%>",X6C%D<5--'?A<4#%"5%5-$%PE$%'(%='6+%+$]6$25%5'%'C$4%"%2"@<4#2%",,'645/%5-$%
+$]6$25%D<??%>$%A$,?<4$AB%G45$+$25%<2%,"?,6?"5$A%'4%5-$%7@$+"#$%Z"<?=%^"?"4,$%'(%5-$%2"@<4#2%",,'645%
"4A%<2%C"<A%]6"+5$+?=B8-$%7446"?%!$+,$45"#$%1<$?A%<2%",,6+"5$%"2%'(%p"46"+=%&/%.0&.d%5-<2%<2%"%
C+'E'P'4"?%+"5$%H,6++$45?=%'q$+<4#%"%MB00k%7!1K%"4A%E"=%,-"4#$%D<5-'65%4'P,$%C6+26"45%5'%
"CC?<,">?$%?"DB%:'%E<4<E6E%>"?"4,$%4$,$22"+=%5'%'C$4%5-$%",,'645%'+%'>5"<4%5-$%=<$?AB%^$,"62$%
2"@<4#2%",,'645%(64A2%"+$%D<5-A+"D4%HE"U<E6E%J%26,-%5+"42($+2%C$+%,"?$4A"+%E'45-K%5-+'6#-%5-$%
,"+A%",,'645/%,"+A%5+"42",P'4%($$2%,'6?A%+$A6,$%5-$%<45$+$25%$"+4$A%'4%5-$%2"@<4#2%",,'645B
!"#$%)%'(%)
READYdebit Visa Prepaid Card (Control)
!"#$%&'("$)(* *"+,-%../%.0&.
7=@;%?4%+=:5%6889;:
7=@;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
+",(-#%.),/#%"0(%+10(2310#
9:!%1F%6889;:
6889;:%>E?7;
+=:5%=G=6!=B6!6.H%I8.=.;8J
456+%6789:;5<
4:=95%>:?.;+.6?7<
Consumer Action
Page 60 of 109
.A)%B"0C1,'%B"0D%
READYdebit Visa Prepaid Card - Control
https://www.readydebit.com/prepaid/control.html
https://www.readydebit.com/terms-conditions/bancorp-terms.html
-1234455567-$8"9,'+26,':4
;<<=.>?=.)<0
All 50
@$A
B'97",7%CA%"7%'9,$%D(%E'C%8$FD$G$%E'C+%B"+H%-"A%8$$9%F'A7%'+%A7'F$96%I$F$2-'9D9#%DA%
7-$%8$A7%5"E%7'%:D9D:DJ$%E'C+%2'AAD8F$%F'AA$A6%K(%E'C%8$FD$G$%E'C+%B"+H%-"A%8$$9%
F'A7%'+%A7'F$9/%'+%7-"7%A':$'9$%-"A%7+"9A($++$H%'+%:"E%7+"9A($+%:'9$E%(+':%E'C+%
B"+H%L,,'C97%5D7-'C7%E'C+%2$+:DAAD'9/%,"FF%CA%"7%;<<=.>?=.)<06%M9H$+%NDA"%M6O6L6%
K9,6%P2$+"Q9#%R$#CF"Q'9A/%E'C+%FD"8DFD7E%('+%C9"C7-'+DJ$H%NDA"%H$8D7%7+"9A",Q'9A%
'9%E'C+%B"+H%L,,'C97%DA%S0600%D(%E'C%9'Q(E%CA%2+':27FE%"9H%E'C%"+$%9'7%#+'AAFE%
9$#FD#$97%'+%(+"CHCF$97%D9%7-$%-"9HFD9#%'(%E'C+%B"+H6%K(%E'C%9'Q(E%CA%5D7-D9%75'%T.U%
8CAD9$AA%H"EA%'(%C9"C7-'+DJ$H%NDA"%H$8D7%'+%9'9=NDA"%H$8D7%7+"9A",Q'9A/%E'C%,"9%
F'A$%9'%:'+$%7-"9%S?0600%D(%A':$'9$%CA$H%E'C+%B"+H%5D7-'C7%E'C+%2$+:DAAD'96%K(%
E'C%H'%9'7%9'Q(E%CA%5D7-D9%75'%T.U%8CAD9$AA%H"EA%"V$+%E'C%F$"+9%'(%7-$%F'AA%'+%
7-$V%'(%E'C+%B"+H%"9H%5$%,"9%2+'G$%7-"7%5$%,'CFH%-"G$%A7'22$H%A':$'9$%(+':%
CAD9#%E'C+%B"+H%5D7-'C7%E'C+%2$+:DAAD'9%D(%E'C%-"H%2+':27FE%9'QW$H%CA/%E'C%
,'CFH%F'A$%"A%:C,-%"A%S?006006%LFA'/%D(%E'C%8$,':$%"5"+$%'(%"9H4'+%E'C+%
A7"7$:$97%A-'5A%7+"9A",Q'9A%7-"7%E'C%HDH%9'7%:"X$/%9'Q(E%CA%"7%'9,$6%K(%E'C%H'%
9'7%9'Q(E%CA%5D7-D9%ADY7E%T<0U%H"EA%"V$+%E'C%8$,':$%"5"+$%'(%7-$%7+"9A",Q'9%
"9H4'+%"V$+%7-$%A7"7$:$97%5"A%:"H$%"G"DF"8F$%7'%E'C/%E'C%:"E%9'7%#$7%8",X%"9E%
G"FC$%E'C%F'A7%"V$+%7-$%ADY7E%T<0U%H"EA%D(%5$%,"9%2+'G$%7-"7%5$%,'CFH%-"G$%A7'22$H%
A':$'9$%(+':%7"XD9#%7-$%G"FC$%D(%E'C%-"H%9'QW$H%CA%D9%Q:$%"9H%E'C%"+$%#+'AAFE%
9$#FD#$97%'+%(+"CHCF$97%D9%7-$%-"9HFD9#%'(%E'C+%B"+H6%K(%E'C+%B"+H%-"A%8$$9%F'A7%'+%
A7'F$9/%5$%5DFF%,F'A$%E'C+%B"+H%L,,'C97%7'%X$$2%F'AA$A%H'596
!"#$%&%'(%)
K9%,"A$%'(%$++'+A%'+%\C$AQ'9A%"8'C7%E'C+%$F$,7+'9D,%7+"9A",Q'9A/%,"FF%;<<=.>?=
.)<0%'+%5+D7$%7'%B"+H-'FH$+%O$+GD,$A/%!6P6%]'Y%^??)/%]'DA$/%K_%;`^0^=^??)%D(%E'C%
7-D9X%E'C+%A7"7$:$97%'+%+$,$D27%DA%5+'9#%'+%D(%E'C%9$$H%:'+$%D9('+:"Q'9%"8'C7%"%
7+"9A",Q'9%FDA7$H%'9%7-$%A7"7$:$97%'+%+$,$D276%@'C%:CA7%,'97",7%CA%9'%F"7$+%7-"9%
ADY7E%T<0U%H"EA%"V$+%7-$%aKROI%A7"7$:$97%5"A%:"H$%"G"DF"8F$%7'%E'C%'9%5-D,-%7-$%
2+'8F$:%'+%$++'+%"22$"+$H6%&6%!+'GDH$%E'C+%9":$%"9H%B"+H%9C:8$+%TD(%"9EU6%.6%%
_$A,+D8$%7-$%$++'+%'+%7-$%7+"9A",Q'9%E'C%"+$%C9AC+$%"8'C7/%"9H%$Y2F"D9%5-E%E'C%
8$FD$G$%D7%DA%"9%$++'+%'+%5-E%E'C%9$$H%:'+$%D9('+:"Q'96%`6%!+'GDH$%7-$%H'FF"+%
":'C97%'(%7-$%ACA2$,7$H%$++'+6%K(%E'C%2+'GDH$%7-DA%D9('+:"Q'9%'+"FFE/%5$%:"E%
+$\CD+$%7-"7%E'C%A$9H%E'C+%,':2F"D97%'+%\C$AQ'9%D9%5+DQ9#%5D7-D9%7$9%T&0U%
8CAD9$AA%H"EA6%Z$%5DFF%H$7$+:D9$%5-$7-$+%"9%$++'+%',,C++$H%5D7-D9%7$9%T&0U%
8CAD9$AA%H"EA%"V$+%5$%-$"+%(+':%E'C%"9H%5DFF%,'++$,7%"9E%$++'+%2+':27FE6%K(%5$%
9$$H%:'+$%Q:$/%-'5$G$+/%5$%:"E%7"X$%C2%7'%('+7E=WG$%T)?U%H"EA%7'%D9G$AQ#"7$%
E'C+%,':2F"D97%'+%\C$AQ'96%K(%5$%H$,DH$%7'%H'%7-DA/%5$%5DFF%,+$HD7%E'C+%B"+H%5D7-D9%
7$9%T&0U%8CAD9$AA%H"EA%('+%7-$%":'C97%E'C%7-D9X%DA%D9%$++'+/%A'%7-"7%E'C%5DFF%-"G$%
7-$%CA$%'(%7-$%:'9$E%HC+D9#%7-$%Q:$%D7%7"X$A%7'%,':2F$7$%7-$%D9G$AQ#"Q'96%K(%5$%
"AX%E'C%7'%2C7%E'C+%,':2F"D97%'+%\C$AQ'9%D9%5+DQ9#%"9H%E'C%H'%9'7%2+'GDH$%D7%
5D7-D9%7$9%T&0U%8CAD9$AA%H"EA/%5$%:"E%9'7%,+$HD7%E'C+%B"+H6%a'+%$++'+A%D9G'FGD9#%
9$5%B"+HA/%!PO%7+"9A",Q'9A/%'+%('+$D#9=D9DQ"7$H%7+"9A",Q'9A/%5$%:"E%7"X$%C2%7'%
9D9$7E%T>0U%H"EA%7'%D9G$AQ#"7$%E'C+%,':2F"D97%'+%\C$AQ'96%Z$%5DFF%7$FF%E'C%7-$%
+$ACF7A%5D7-D9%7-+$$%TÙ%8CAD9$AA%H"EA%"V$+%,':2F$Q9#%7-$%D9G$AQ#"Q'96%K(%5$%
H$,DH$%7-"7%7-$+$%5"A%9'%$++'+/%5$%5DFF%A$9H%E'C%"%5+D1$9%$Y2F"9"Q'96%B'2D$A%'(%
7-$%H',C:$97A%CA$H%D9%7-$%D9G$AQ#"Q'9%:"E%8$%'87"D9$H%8E%,'97",Q9#%CA%"7%7-$%
2-'9$%9C:8$+%'+%"HH+$AA%FDA7$H%"7%7-$%8$#D99D9#%'(%7-DA%A$,Q'96
;::?:%:;8?!9.6?7<
>),#10"K2L)(%+",(
Z-$9%E'C%'2$9%"%B"+H%L,,'C97/%5$%5DFF%"AX%('+%E'C+%9":$/%"HH+$AA/%H"7$%'(%8D+7-/%
"9H%'7-$+%D9('+:"Q'9%7-"7%5DFF%"FF'5%CA%7'%+$"A'9"8FE%DH$9Q(E%E'C6%Z$%:"E%"FA'%
"AX%7'%A$$%E'C+%H+DG$+[A%FD,$9A$%'+%'7-$+%DH$9Q(ED9#%H',C:$97A%"7%"9E%Q:$6
@202/&/%!1"( S&0600%
@"M2/&/%B"K"0C) S&0/000%
+=:5%:;8.:6+.6?78
Consumer Action
Page 61 of 109
I-$%:"YD:C:%,C:CF"QG$%":'C97%7-"7%:"E%8$%5D7-H+"59%(+':%"9%LI*%2$+%H"E%DA%
S?006006%L9E%(C9HA%5D7-H+"59%(+':%"%!PO%H$GD,$%'+%7-+'C#-%"%2"+Q,D2"Q9#%8"9X%
T'G$+%7-$%,'C97$+%5D7-H+"5"FU%5DFF%8$%AC8b$,7%7'%7-$%:"YD:C:%":'C97%7-"7%,"9%8$%
A2$97%'9%E'C+%B"+H%2$+%H"E6%I-$%:"YD:C:%":'C97%7-"7%,"9%8$%A2$97%'9%E'C+%B"+H%
2$+%H"E%DA%S./?006006%I-$%:"YD:C:%G"FC$%'(%E'C+%B"+H%DA%+$A7+D,7$H%7'%S&0/0006006%
Z$%5DFF%+$b$,7%"9E%H$2'AD7%7-"7%5'CFH%,"CA$%E'C+%B"+H[A%8"F"9,$%7'%$Y,$$H%
S&0/0006006
!"#$%.%'(%)
:)K1"(%>,1C)##
I-$%:D9D:C:%":'C97%'(%$",-%G"FC$%+$F'"H%DA%S.06006%I-$%:"YD:C:%9C:8$+%'(%
Q:$A%E'C%:"E%F'"H%E'C+%B"+H%2$+%H"E%DA%WG$%T?U6%I-$%:"YD:C:%D9DQ"F%G"FC$%F'"H%
"9H%G"FC$%+$F'"HA%E'C%:"E%2F",$%'9%E'C+%B"+H%5D7-%,"A-%DA%S./?00%2$+%H"E6%I-$%
:"YD:C:%D9DQ"F%G"FC$%F'"H%"9H%G"FC$%+$F'"HA%E'C%:"E%2F",$%'9%E'C+%B"+H%5D7-%
$F$,7+'9D,%7+"9A($+A%DA%7'%S&0/000%2$+%H"E6%@'C%:"E%"HH%G"FC$%'+%F'"H%E'C+%B"+H%
5D7-%,"A-%GD"%c+$$9%_'7%*'9$E!"X%'+%NDA"%R$"HEdD9X%F',"Q'96%@'C%:"E%"FA'%"HH%
G"FC$%'+%F'"H%E'C+%B"+H%GD"%HD+$,7%H$2'AD7/%8"9X%LBe%T"C7':"7$H%,F$"+D9#-'CA$U%
7+"9A($+/%'+%!"E!"F
+,)(2$%CA)CD%,)N&2,)(<
B"0D%"CC1&0$%,)N&2,)(<
:)N&2,)/)0$#
f'
f'
Z-$9%E'C%'2$9%"%B"+H%L,,'C97/%E'C%5DFF%8$%"AX$H%('+%E'C+%9":$/%"HH+$AA/%H"7$%'(%
8D+7-/%A',D"F%A$,C+D7E%9C:8$+%"9H%'7-$+%D9('+:"Q'9%7-"7%5DFF%"FF'5%E'C%7'%8$%
+$"A'9"8FE%DH$9QW$H6%
52,)C$%5)'1#2$
@$A6%a+$$
9>O:=5;8
4;;8*
6023"K%>&,CA"#)Q=C3R"310 S>6>?%D9DQ"F%F'"H
:)K1"( S0%+$F'"H%($$g%I-D+H%2"+7E%+$F'"H%($$A%:"E%"22FE%TC2%7'%S)6>?U
=.@%+"#A%S2$A(,"S"K% S.6.?%
8)C10(%+",(%1,%+",(%:)'K"C)/)0$ S&0%+$2F",$:$97%A$+GD,$%,-"+#$
52,)C$%5)'1#2$ S0600%
@10$AKP%@"20$)0"0C)%4)) a+$$%5D7-%"7%F$"A7%S&?00%D9%:'97-FE%_D+$,7%_$2'AD7/%'7-$+5DA$%S`6>?%"%:'97-%T5DFF%
8$%,-"+#$H%`0%H"EA%"V$+%,"+H%DA%",QG"7$HU
.,"0#"C310 %S06>?47+"9A",Q'9%('+%!Kf%"9H%OD#9"7C+$
+&#$1/),%8),R2C) S.6004,"FFg%LC7':"7$H%2-'9$%",,'C97%",,$AA%"9H%'9FD9$%",,'C97%",,$AA%"+$%(+$$
B"K"0C)%60N&2,P% S0%"C7':"7$H%2-'9$%AC22'+7g%LI*%8"F"9,$%D9\CD+E%=%S6?0
41,)2T0%+&,,)0CP%+10R),#210%4)) .i
?$A), !'D97%'(%O"F$%7+"9A",Q'9%H$,FD9$%T!Kf%"9H%AD#9"7C+$%7+"9A",Q'9U%=%
S&6>?47+"9A",Q'9g%
@=7=O67O%H?9:%+=:5%?7!67;
E?U%.?%=G?65%4;;8
Consumer Action
Page 62 of 109
I$Y7%h8"F"9,$h%7'%)).<?%7'%,-$,X%8"F"9,$%('+%(+$$
@$A
LG'DH%LI*%($$A%8E%CAD9#%!Kf%7+"9A",Q'9A%('+%,"A-%8",X%TS6>?%!Kf%7+"9A",Q'9%($$%
"22FD$AUg%d'"H%,"+H%8E%CAD9#%(+$$%HD+$,7%H$2'AD7%"9H%LBe%7+"9A($+A6
!"#$%`%'(%)
+?7465;7.6=!6.H
RjL_@H$8D7%:"E%HDA,F'A$%D9('+:"Q'9%7'%7-D+H%2"+Q$A%"8'C7%E'C+%B"+H%'+%7-$%
7+"9A",Q'9A%E'C%:"X$3%Z-$+$%D7%DA%9$,$AA"+E%('+%,':2F$Q9#%7+"9A",Q'9Ag%K9%'+H$+%
7'%G$+D(E%7-$%$YDA7$9,$%"9H%,'9HDQ'9%'(%E'C+%B"+H%('+%"%7-D+H%2"+7E/%AC,-%"A%
:$+,-"97g%K9%'+H$+%7'%,':2FE%5D7-%#'G$+9:$97%"#$9,E/%,'C+7%'+H$+/%'+%'7-$+%F$#"F%
+$2'+Q9#%+$\CD+$:$97Ag%K(%E'C%#DG$%CA%E'C+%5+D1$9%2$+:DAAD'9g%'+%I'%'C+%
$:2F'E$$A/%"CHD7'+A/%"kFD"7$A/%A$+GD,$%2+'GDH$+A/%'+%"1'+9$EA%"A%9$$H$H6
>:6G=+H%7?.6+;
?$A),%60F1
-12A3445556+$"HEH$8D76,':42+DG",E48"9,'+26-7:F
K9%'+H$+%7'%,':2FE%5D7-%B"FD('+9D"%"9H%N$+:'97%F"5A/%RjL_@H$8D7%DA%+$\CD+$H%7'%
'87"D9%E'C+%,'9A$97%8$('+$%A-"+D9#%D9('+:"Q'9%"8'C7%E'C%5D7-%'7-$+A6%I-$E%5DFF%
9'7%A-"+$%D9('+:"Q'9%7-$E%,'FF$,7%"8'C7%E'C%5D7-%"kFD"7$A%"9H%9'9="kFD"7$H%7-D+H%
2"+Q$A/%C9F$AA%'7-$+5DA$%2$+:D1$H%8E%F"56
Consumer Action
Page 63 of 109
!"#$%)%'(%)
READYdebit Visa Prepaid Card - Platinum
!"#$%&'("$)(* *"+,-%../%.0&.
<>A9%@:%+>5;%788495
<>A9%@:%+>5;
45!%8@45+9%@:%+>5;%7<:@
+",(-#%.),/#%"0(%+10(2310#
45!%16%788495
788495%?F@<9
+>5;%>G>7!>C7!7.H%I8.>.98J
:;7+%7<8459;=
.B)%C"0D1,'%C"0E
:5>4;%?5@.9+.7@<=
C'97",7%DB%"7%'9,$%E(%F'D%8$GE$H$%F'D+%C"+I%-"B%8$$9%G'B7%'+%B7'G$96%J$G$2-'9E9#%EB%7-$%8$B7%
5"F%7'%:E9E:EK$%F'D+%2'BBE8G$%G'BB$B6%L(%F'D%8$GE$H$%F'D+%C"+I%-"B%8$$9%G'B7%'+%B7'G$9/%'+%7-"7%
B':$'9$%-"B%7+"9B($++$I%'+%:"F%7+"9B($+%:'9$F%(+':%F'D+%C"+I%M,,'D97%5E7-'D7%F'D+%
2$+:EBBE'9/%,"GG%DB%"7%;<<=.>?=.@<06%N9I$+%OEB"%N6P6M6%L9,6%Q2$+"R9#%S$#DG"R'9B/%F'D+%
GE"8EGE7F%('+%D9"D7-'+EK$I%OEB"%I$8E7%7+"9B",R'9B%'9%F'D+%C"+I%M,,'D97%EB%T0600%E(%F'D%9'R(F%
DB%2+':27GF%"9I%F'D%"+$%9'7%#+'BBGF%9$#GE#$97%'+%(+"DIDG$97%E9%7-$%-"9IGE9#%'(%F'D+%C"+I6%L(%
F'D%9'R(F%DB%5E7-E9%75'%U.V%8DBE9$BB%I"FB%'(%D9"D7-'+EK$I%OEB"%I$8E7%'+%9'9=OEB"%I$8E7%
7+"9B",R'9B/%F'D%,"9%G'B$%9'%:'+$%7-"9%T?0600%E(%B':$'9$%DB$I%F'D+%C"+I%5E7-'D7%F'D+%
2$+:EBBE'96%L(%F'D%I'%9'7%9'R(F%DB%5E7-E9%75'%U.V%8DBE9$BB%I"FB%"W$+%F'D%G$"+9%'(%7-$%G'BB%'+%
7-$W%'(%F'D+%C"+I%"9I%5$%,"9%2+'H$%7-"7%5$%,'DGI%-"H$%B7'22$I%B':$'9$%(+':%DBE9#%F'D+%
C"+I%5E7-'D7%F'D+%2$+:EBBE'9%E(%F'D%-"I%2+':27GF%9'RX$I%DB/%F'D%,'DGI%G'B$%"B%:D,-%"B%
T?006006%MGB'/%E(%F'D%8$,':$%"5"+$%'(%"9I4'+%F'D+%B7"7$:$97%B-'5B%7+"9B",R'9B%7-"7%F'D%
IEI%9'7%:"Y$/%9'R(F%DB%"7%'9,$6%L(%F'D%I'%9'7%9'R(F%DB%5E7-E9%BEZ7F%U<0V%I"FB%"W$+%F'D%
8$,':$%"5"+$%'(%7-$%7+"9B",R'9%"9I4'+%"W$+%7-$%B7"7$:$97%5"B%:"I$%"H"EG"8G$%7'%F'D/%F'D%
:"F%9'7%#$7%8",Y%"9F%H"GD$%F'D%G'B7%"W$+%7-$%BEZ7F%U<0V%I"FB%E(%5$%,"9%2+'H$%7-"7%5$%,'DGI%
-"H$%B7'22$I%B':$'9$%(+':%7"YE9#%7-$%H"GD$%E(%F'D%-"I%9'RX$I%DB%E9%R:$%"9I%F'D%"+$%
#+'BBGF%9$#GE#$97%'+%(+"DIDG$97%E9%7-$%-"9IGE9#%'(%F'D+%C"+I6%L(%F'D+%C"+I%-"B%8$$9%G'B7%'+%
B7'G$9/%5$%5EGG%,G'B$%F'D+%C"+I%M,,'D97%7'%Y$$2%G'BB$B%I'596
Consumer Action
Page 64 of 109
https://www.readydebit.com/prepaid/platinum.html
-1234455567-$8"9,'+26,':4
;<<=.>?=.@<0
All 50
A$B
!"#$%&%'(%)
955@5%598@!4.7@<=
?),#10"L2M)(%+",(
L9%,"B$%'(%$++'+B%'+%^D$BR'9B%"8'D7%F'D+%$G$,7+'9E,%7+"9B",R'9B/%,"GG%;<<=.>?=.@<0%'+%5+E7$%
7'%C"+I-'GI$+%P$+HE,$B/%!6Q6%_'Z%`??@/%_'EB$/%La%;)`0`=`??@%E(%F'D%7-E9Y%F'D+%B7"7$:$97%'+%
+$,$E27%EB%5+'9#%'+%E(%F'D%9$$I%:'+$%E9('+:"R'9%"8'D7%"%7+"9B",R'9%GEB7$I%'9%7-$%B7"7$:$97%
'+%+$,$E276%A'D%:DB7%,'97",7%DB%9'%G"7$+%7-"9%BEZ7F%U<0V%I"FB%"W$+%7-$%bLSPJ%B7"7$:$97%5"B%
:"I$%"H"EG"8G$%7'%F'D%'9%5-E,-%7-$%2+'8G$:%'+%$++'+%"22$"+$I6%&6%!+'HEI$%F'D+%9":$%"9I%
C"+I%9D:8$+%UE(%"9FV6%.6%a$B,+E8$%7-$%$++'+%'+%7-$%7+"9B",R'9%F'D%"+$%D9BD+$%"8'D7/%"9I%
$Z2G"E9%5-F%F'D%8$GE$H$%E7%EB%"9%$++'+%'+%5-F%F'D%9$$I%:'+$%E9('+:"R'96%)6%!+'HEI$%7-$%
I'GG"+%":'D97%'(%7-$%BDB2$,7$I%$++'+6%L(%F'D%2+'HEI$%7-EB%E9('+:"R'9%'+"GGF/%5$%:"F%+$^DE+$%
7-"7%F'D%B$9I%F'D+%,':2G"E97%'+%^D$BR'9%E9%5+ER9#%5E7-E9%7$9%U&0V%8DBE9$BB%I"FB6%\$%5EGG%
I$7$+:E9$%5-$7-$+%"9%$++'+%',,D++$I%5E7-E9%7$9%U&0V%8DBE9$BB%I"FB%"W$+%5$%-$"+%(+':%F'D%
"9I%5EGG%,'++$,7%"9F%$++'+%2+':27GF6%L(%5$%9$$I%:'+$%R:$/%-'5$H$+/%5$%:"F%7"Y$%D2%7'%('+7F=
XH$%U@?V%I"FB%7'%E9H$BR#"7$%F'D+%,':2G"E97%'+%^D$BR'96%L(%5$%I$,EI$%7'%I'%7-EB/%5$%5EGG%,+$IE7%
F'D+%C"+I%5E7-E9%7$9%U&0V%8DBE9$BB%I"FB%('+%7-$%":'D97%F'D%7-E9Y%EB%E9%$++'+/%B'%7-"7%F'D%5EGG%
-"H$%7-$%DB$%'(%7-$%:'9$F%ID+E9#%7-$%R:$%E7%7"Y$B%7'%,':2G$7$%7-$%E9H$BR#"R'96%L(%5$%"BY%
F'D%7'%2D7%F'D+%,':2G"E97%'+%^D$BR'9%E9%5+ER9#%"9I%F'D%I'%9'7%2+'HEI$%E7%5E7-E9%7$9%U&0V%
8DBE9$BB%I"FB/%5$%:"F%9'7%,+$IE7%F'D+%C"+I6%b'+%$++'+B%E9H'GHE9#%9$5%C"+IB/%!QP%
7+"9B",R'9B/%'+%('+$E#9=E9ER"7$I%7+"9B",R'9B/%5$%:"F%7"Y$%D2%7'%9E9$7F%U>0V%I"FB%7'%
E9H$BR#"7$%F'D+%,':2G"E97%'+%^D$BR'96%\$%5EGG%7$GG%F'D%7-$%+$BDG7B%5E7-E9%7-+$$%U)V%8DBE9$BB%
I"FB%"W$+%,':2G$R9#%7-$%E9H$BR#"R'96%L(%5$%I$,EI$%7-"7%7-$+$%5"B%9'%$++'+/%5$%5EGG%B$9I%
F'D%"%5+E1$9%$Z2G"9"R'96%C'2E$B%'(%7-$%I',D:$97B%DB$I%E9%7-$%E9H$BR#"R'9%:"F%8$%
'87"E9$I%8F%,'97",R9#%DB%"7%7-$%2-'9$%9D:8$+%'+%"II+$BB%GEB7$I%"7%7-$%8$#E99E9#%'(%7-EB%
B$,R'96c%%%
\-$9%F'D%'2$9%"%C"+I%M,,'D97/%5$%5EGG%"BY%('+%F'D+%9":$/%"II+$BB/%I"7$%'(%8E+7-/%"9I%'7-$+%
E9('+:"R'9%7-"7%5EGG%"GG'5%DB%7'%+$"B'9"8GF%EI$9R(F%F'D6%\$%:"F%"GB'%"BY%7'%B$$%F'D+%
I+EH$+]B%GE,$9B$%'+%'7-$+%EI$9R(FE9#%I',D:$97B%"7%"9F%R:$6
A202/&/%!1"( T&0600%
A"K2/&/%C"L"0D) T&0/000%
489%@:%+>5;
A'D%:"F%DB$%F'D+%C"+I%7'%2D+,-"B$%'+%G$"B$%#''IB%'+%B$+HE,$B%5-$+$%OEB"%I$8E7%,"+IB/%
L97$+GE9Y%,"+IB/%!GDB%,"+IB/%PJMS%,"+IB/%'+%dACe%,"+IB%"+$%",,$27$I%"B%G'9#%"B%F'D%I'%9'7%
$Z,$$I%7-$%H"GD$%"H"EG"8G$%'9%F'D+%C"+I%M,,'D976%
+>5;%598.57+.7@<8
J-$%:"ZE:D:%,D:DG"RH$%":'D97%7-"7%:"F%8$%5E7-I+"59%(+':%"9%MJ*%2$+%I"F%EB%T?006006%
M9F%(D9IB%5E7-I+"59%(+':%"%!QP%I$HE,$%'+%7-+'D#-%"%2"+R,E2"R9#%8"9Y%U'H$+%7-$%,'D97$+%
5E7-I+"5"GV%5EGG%8$%BD8[$,7%7'%7-$%:"ZE:D:%":'D97%7-"7%,"9%8$%B2$97%'9%F'D+%C"+I%2$+%I"F6%
J-$%:"ZE:D:%":'D97%7-"7%,"9%8$%B2$97%'9%F'D+%C"+I%2$+%I"F%EB%T./?006006%J-$%:"ZE:D:%
H"GD$%'(%F'D+%C"+I%EB%+$B7+E,7$I%7'%T&0/0006006%\$%5EGG%+$[$,7%"9F%I$2'BE7%7-"7%5'DGI%,"DB$%
F'D+%C"+I]B%8"G"9,$%7'%$Z,$$I%T&0/0006006
Consumer Action
Page 65 of 109
!"#$%.%'(%)
59!@>;%?5@+988
J-$%:"ZE:D:%9D:8$+%'(%R:$B%F'D%:"F%G'"I%F'D+%C"+I%2$+%I"F%EB%XH$%U?V6%A'D%:"F%"II%
H"GD$%'+%G'"I%F'D+%C"+I%5E7-%,"B-%HE"%f+$$9%a'7%*'9$F!"Y%'+%OEB"%S$"IFgE9Y%G',"R'96%A'D%
:"F%"GB'%"II%H"GD$%'+%G'"I%F'D+%C"+I%HE"%IE+$,7%I$2'BE7/%8"9Y%MCh%U"D7':"7$I%
,G$"+E9#-'DB$V%7+"9B($+/%'+%!"F!"G6%g'"I%G',"R'9B%"9I%E9B7+D,R'9B%"+$%"H"EG"8G$%"7%
5556+$"IFI$8E76,':%'+%8F%,"GGE9#%;<<=.>?=.@<06%A'D%5EGG%-"H$%",,$BB%7'%F'D+%(D9IB%5E7-E9%
75'%U.V%-'D+B6
d'
+,)(2$%DB)DE%,)O&2,)(=
C"0E%"DD1&0$%,)O&2,)(=
d'
;2,)D$%;)'1#2$
b+$$%
:998*
7023"L%?&,DB"#)P>D3Q"310 T>6>?%UB$+HE,$%,-"+#$%('+%X+B7%G'"IV
5)L1"( T0%+$G'"I%($$i%J-E+I%2"+7F%+$G'"I%($$B%:"F%"22GF%UD2%7'%T@6>?V
>.A%+"#B%N2$B(,"N"L% T.%2$+%7+"9B",R'9
+B)DE%?,1D)##20R
!1#$S%8$1L)0%1,%>((2310"L%+",(%P$,'9I%,"+I%=%T0i%T&0%B$+HE,$%,-"+#$%7'%+$2G",$%,"+I
;2,)D$%;)'1#2$ T0600%
A10$BLT%A"20$)0"0D)%:)) T&@6>?%U5EGG%8$%,-"+#$I%)0%I"FB%"W$+%,"+I%EB%",RH"7$IV
.,"0#"D310 T0%
+&#$1/),%8),Q2D) T0%
C"L"0D)%70O&2,T% MJ*%=%T0
.k%'(%7+"9B",R'9%":'D97%"W$+%,'9H$+BE'9%%%
:1,)2R0%+&,,)0DT%+10Q),#210%:))
@$B), _"9Y%J$GG$+%C"B-%MIH"9,$%UBH,%,-#%('+%,"B-%5E7-I+"5"GV%=%T?%2$+%7+"9B",R'9i%!"2$+%B7"7$:$97%
($$%=%T.%2$+%B7"7$:$97
A><>V7<V%H@45%+>5;%@<!7<9
F@U%.@%>G@7;%:998
+@<:7;9<.7>!7.H
J$Z7%c8"G"9,$c%7'%@@.<?%7'%,-$,Y%8"G"9,$%('+%(+$$
A$B
SeMaAI$8E7%:"F%IEB,G'B$%E9('+:"R'9%7'%7-E+I%2"+R$B%"8'D7%F'D+%C"+I%'+%7-$%7+"9B",R'9B%
F'D%:"Y$3%\-$+$%E7%EB%9$,$BB"+F%('+%,':2G$R9#%7+"9B",R'9Bi%L9%'+I$+%7'%H$+E(F%7-$%$ZEB7$9,$%
"9I%,'9IER'9%'(%F'D+%C"+I%('+%"%7-E+I%2"+7F/%BD,-%"B%:$+,-"97i%L9%'+I$+%7'%,':2GF%5E7-%
#'H$+9:$97%"#$9,F/%,'D+7%'+I$+/%'+%'7-$+%G$#"G%+$2'+R9#%+$^DE+$:$97Bi%L(%F'D%#EH$%DB%F'D+%
5+E1$9%2$+:EBBE'9i%'+%J'%'D+%$:2G'F$$B/%"DIE7'+B/%"jGE"7$B/%B$+HE,$%2+'HEI$+B/%'+%"1'+9$FB%
"B%9$$I$I6
?57G>+H%<@.7+9
https://www.readydebit.com/privacy/bancorp.html
@$B),%7061
L9%'+I$+%7'%,':2GF%5E7-%C"GE('+9E"%"9I%O$+:'97%G"5B/%SeMaAI$8E7%EB%+$^DE+$I%7'%'87"E9%F'D+%
,'9B$97%8$('+$%B-"+E9#%E9('+:"R'9%"8'D7%F'D%5E7-%'7-$+B6%J-$F%5EGG%9'7%B-"+$%E9('+:"R'9%
7-$F%,'GG$,7%"8'D7%F'D%5E7-%"jGE"7$B%"9I%9'9="jGE"7$I%7-E+I%2"+R$B/%D9G$BB%'7-$+5EB$%
2$+:E1$I%8F%G"56
Consumer Action
Page 66 of 109
!"#$%)%'(%)
READYdebit Visa Prepaid Card - Select
!"#$%&'("$)(* *"+,-%../%.0&.
7=B;%?4%+=:5%6889;:
7=B;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
+",(-#%.),/#%"0(%+10(2310#
9:!%1A%6889;:
6889;:%>@?7;
+=:5%=H=6!=D6!6.I%J8.=.;8K
456+%6789:;5<
.C)%D"0E1,'%D"0FG%
4:=95%>:?.;+.6?7<
8'9:",:%;7%":%'9,$%<(%=';%>$?<$@$%=';+%8"+A%-"7%>$$9%?'7:%'+%7:'?$9B%C$?$D-'9<9#%<7%:-$%>$7:%
E"=%:'%F<9<F<G$%=';+%D'77<>?$%?'77$7B%H(%=';%>$?<$@$%=';+%8"+A%-"7%>$$9%?'7:%'+%7:'?$9/%'+%
:-":%7'F$'9$%-"7%:+"97($++$A%'+%F"=%:+"97($+%F'9$=%(+'F%=';+%8"+A%I,,';9:%E<:-';:%=';+%
D$+F<77<'9/%,"??%;7%":%1223.453.)20B%J9A$+%K<7"%JBLBIB%H9,B%MD$+"N9#%O$#;?"N'97/%=';+%
?<"><?<:=%('+%;9";:-'+<G$A%K<7"%A$><:%:+"97",N'97%'9%=';+%8"+A%I,,';9:%<7%P0B00%<(%=';%9'N(=%
;7%D+'FD:?=%"9A%=';%"+$%9':%#+'77?=%9$#?<#$9:%'+%(+";A;?$9:%<9%:-$%-"9A?<9#%'(%=';+%8"+AB%H(%
=';%9'N(=%;7%E<:-<9%:E'%Q.R%>;7<9$77%A"=7%'(%;9";:-'+<G$A%K<7"%A$><:%'+%9'93K<7"%A$><:%
:+"97",N'97/%=';%,"9%?'7$%9'%F'+$%:-"9%P50B00%<(%7'F$'9$%;7$A%=';+%8"+A%E<:-';:%=';+%
D$+F<77<'9B%H(%=';%A'%9':%9'N(=%;7%E<:-<9%:E'%Q.R%>;7<9$77%A"=7%"S$+%=';%?$"+9%'(%:-$%?'77%
'+%:-$S%'(%=';+%8"+A%"9A%E$%,"9%D+'@$%:-":%E$%,';?A%-"@$%7:'DD$A%7'F$'9$%(+'F%;7<9#%
=';+%8"+A%E<:-';:%=';+%D$+F<77<'9%<(%=';%-"A%D+'FD:?=%9'NT$A%;7/%=';%,';?A%?'7$%"7%F;,-%
"7%P500B00B%I?7'/%<(%=';%>$,'F$%"E"+$%'(%"9AU'+%=';+%7:":$F$9:%7-'E7%:+"97",N'97%:-":%
=';%A<A%9':%F"V$/%9'N(=%;7%":%'9,$B%H(%=';%A'%9':%9'N(=%;7%E<:-<9%7<W:=%Q20R%A"=7%"S$+%=';%
>$,'F$%"E"+$%'(%:-$%:+"97",N'9%"9AU'+%"S$+%:-$%7:":$F$9:%E"7%F"A$%"@"<?">?$%:'%=';/%
=';%F"=%9':%#$:%>",V%"9=%@"?;$%=';%?'7:%"S$+%:-$%7<W:=%Q20R%A"=7%<(%E$%,"9%D+'@$%:-":%E$%
,';?A%-"@$%7:'DD$A%7'F$'9$%(+'F%:"V<9#%:-$%@"?;$%<(%=';%-"A%9'NT$A%;7%<9%NF$%"9A%=';%
"+$%#+'77?=%9$#?<#$9:%'+%(+";A;?$9:%<9%:-$%-"9A?<9#%'(%=';+%8"+AB%H(%=';+%8"+A%-"7%>$$9%?'7:%
'+%7:'?$9/%E$%E<??%,?'7$%=';+%8"+A%I,,';9:%:'%V$$D%?'77$7%A'E9B
Consumer Action
Page 67 of 109
https://www.readydebit.com/prepaid/select.html
1223.453.)20
All 50
6$7
!"#$%&%'(%)
;::?:%:;8?!9.6?7<
H9%,"7$%'(%$++'+7%'+%Z;$7N'97%">';:%=';+%$?$,:+'9<,%:+"97",N'97/%,"??%1223.453.)20%'+%E+<:$%
:'%8"+A-'?A$+%L$+@<,$7/%!BMB%['W%\55)/%['<7$/%H]%1^\0\3\55)%<(%=';%:-<9V%=';+%7:":$F$9:%'+%
+$,$<D:%<7%E+'9#%'+%<(%=';%9$$A%F'+$%<9('+F"N'9%">';:%"%:+"97",N'9%?<7:$A%'9%:-$%
7:":$F$9:%'+%+$,$<D:B%6';%F;7:%,'9:",:%;7%9'%?":$+%:-"9%7<W:=%Q20R%A"=7%"S$+%:-$%_HOLC%
7:":$F$9:%E"7%F"A$%"@"<?">?$%:'%=';%'9%E-<,-%:-$%D+'>?$F%'+%$++'+%"DD$"+$AB%&B%!+'@<A$%
=';+%9"F$%"9A%8"+A%9;F>$+%Q<(%"9=RB%.B%]$7,+<>$%:-$%$++'+%'+%:-$%:+"97",N'9%=';%"+$%
;97;+$%">';:/%"9A%$WD?"<9%E-=%=';%>$?<$@$%<:%<7%"9%$++'+%'+%E-=%=';%9$$A%F'+$%
<9('+F"N'9B%^B%!+'@<A$%:-$%A'??"+%"F';9:%'(%:-$%7;7D$,:$A%$++'+B%H(%=';%D+'@<A$%:-<7%
<9('+F"N'9%'+"??=/%E$%F"=%+$Z;<+$%:-":%=';%7$9A%=';+%,'FD?"<9:%'+%Z;$7N'9%<9%E+<N9#%
E<:-<9%:$9%Q&0R%>;7<9$77%A"=7B%X$%E<??%A$:$+F<9$%E-$:-$+%"9%$++'+%',,;++$A%E<:-<9%:$9%Q&0R%
>;7<9$77%A"=7%"S$+%E$%-$"+%(+'F%=';%"9A%E<??%,'++$,:%"9=%$++'+%D+'FD:?=B%H(%E$%9$$A%F'+$%
NF$/%-'E$@$+/%E$%F"=%:"V$%;D%:'%('+:=3T@$%Q)5R%A"=7%:'%<9@$7N#":$%=';+%,'FD?"<9:%'+%
Z;$7N'9B%H(%E$%A$,<A$%:'%A'%:-<7/%E$%E<??%,+$A<:%=';+%8"+A%E<:-<9%:$9%Q&0R%>;7<9$77%A"=7%('+%
:-$%"F';9:%=';%:-<9V%<7%<9%$++'+/%7'%:-":%=';%E<??%-"@$%:-$%;7$%'(%:-$%F'9$=%A;+<9#%:-$%NF$%
<:%:"V$7%:'%,'FD?$:$%:-$%<9@$7N#"N'9B%H(%E$%"7V%=';%:'%D;:%=';+%,'FD?"<9:%'+%Z;$7N'9%<9%
E+<N9#%"9A%=';%A'%9':%D+'@<A$%<:%E<:-<9%:$9%Q&0R%>;7<9$77%A"=7/%E$%F"=%9':%,+$A<:%=';+%
8"+AB%_'+%$++'+7%<9@'?@<9#%9$E%8"+A7/%!ML%:+"97",N'97/%'+%('+$<#93<9<N":$A%:+"97",N'97/%E$%
F"=%:"V$%;D%:'%9<9$:=%Q40R%A"=7%:'%<9@$7N#":$%=';+%,'FD?"<9:%'+%Z;$7N'9B%X$%E<??%:$??%=';%
:-$%+$7;?:7%E<:-<9%:-+$$%Q^R%>;7<9$77%A"=7%"S$+%,'FD?$N9#%:-$%<9@$7N#"N'9B%H(%E$%A$,<A$%
:-":%:-$+$%E"7%9'%$++'+/%E$%E<??%7$9A%=';%"%E+<`$9%$WD?"9"N'9B%8'D<$7%'(%:-$%A',;F$9:7%
;7$A%<9%:-$%<9@$7N#"N'9%F"=%>$%'>:"<9$A%>=%,'9:",N9#%;7%":%:-$%D-'9$%9;F>$+%'+%
"AA+$77%?<7:$A%":%:-$%>$#<99<9#%'(%:-<7%7$,N'9Ba%%%
>),#10"L2M)(%+",(
X-$9%=';%'D$9%"%8"+A%I,,';9:/%E$%E<??%"7V%('+%=';+%9"F$/%"AA+$77/%A":$%'(%><+:-/%"9A%
':-$+%<9('+F"N'9%:-":%E<??%"??'E%;7%:'%+$"7'9">?=%<A$9N(=%=';B%X$%F"=%"?7'%"7V%:'%7$$%=';+%
A+<@$+Y7%?<,$97$%'+%':-$+%<A$9N(=<9#%A',;F$9:7%":%"9=%NF$B
B202/&/%!1"( P&0B00%
B"N2/&/%D"L"0E) P&0/000%
98;%?4%+=:5
Consumer Action
Page 68 of 109
6';%F"=%;7$%=';+%8"+A%:'%D;+,-"7$%'+%?$"7$%#''A7%'+%7$+@<,$7%K<7"%A$><:%,"+A7/%H9:$+?<9V%
,"+A7/%!?;7%,"+A7/%LCIO%,"+A7/%'+%b68c%,"+A7%"+$%",,$D:$A%"7%?'9#%"7%=';%A'%9':%$W,$$A%:-$%
@"?;$%"@"<?">?$%'9%=';+%8"+A%I,,';9:B%
!"#$%.%'(%)
+=:5%:;8.:6+.6?78
C-$%F"W<F;F%,;F;?"N@$%"F';9:%:-":%F"=%>$%E<:-A+"E9%(+'F%"9%IC*%D$+%A"=%<7%P500B00B%
I9=%(;9A7%E<:-A+"E9%(+'F%"%!ML%A$@<,$%'+%:-+';#-%"%D"+N,<D"N9#%>"9V%Q'@$+%:-$%,';9:$+%
E<:-A+"E"?R%E<??%>$%7;>d$,:%:'%:-$%F"W<F;F%"F';9:%:-":%,"9%>$%7D$9:%'9%=';+%8"+A%D$+%
A"=B%C-$%F"W<F;F%"F';9:%:-":%,"9%>$%7D$9:%'9%=';+%8"+A%D$+%A"=%<7%P./500B00B%C-$%
F"W<F;F%@"?;$%'(%=';+%8"+A%<7%+$7:+<,:$A%:'%P&0/000B00B%X$%E<??%+$d$,:%"9=%A$D'7<:%:-":%
E';?A%,";7$%=';+%8"+AY7%>"?"9,$%:'%$W,$$A%P&0/000B00B
:)L1"(%>,1E)##
C-$%F<9<F;F%"F';9:%'(%$",-%@"?;$%+$?'"A%<7%P.0B00B%C-$%F"W<F;F%9;F>$+%'(%NF$7%=';%
F"=%?'"A%=';+%8"+A%D$+%A"=%<7%T@$%Q5RB%6';%F"=%"AA%@"?;$%'+%?'"A%=';+%8"+A%E<:-%,"7-%@<"%
e+$$9%]':%*'9$=!"V%'+%K<7"%O$"A=f<9V%?',"N'9B%6';%F"=%"?7'%"AA%@"?;$%'+%?'"A%=';+%8"+A%
@<"%A<+$,:%A$D'7<:/%>"9V%I8g%Q";:'F":$A%,?$"+<9#-';7$R%:+"97($+/%'+%!"=!"?B%
b'
+,)(2$%EC)EF%,)O&2,)(<
D"0F%"EE1&0$%,)O&2,)(<
b'
:)O&2,)/)0$#
52,)E$%5)'1#2$
4;;8*
6023"L%>&,EC"#)P=E3Q"310 P4B45%<9<N"?%($$
:)L1"( P0%+$?'"A%($$h%C-<+A%D"+:=%+$?'"A%($$7%F"=%"DD?=%Q;D%:'%P)B45R
=.B%+"#C%S2$C(,"S"L% P.B.5%D$+%:+"97",N'9
+C)EF%>,1E)##20T
!1#$U%8$1L)0%1,%=((2310"L%+",(%P&0%7$,'9A"+=%,"+A%i%P&0%+$D?",$F$9:%7$+@<,$%($$
52,)E$%5)'1#2$ P0B00%
B10$CLR%B"20$)0"0E)%4)) P4B45%QE<??%>$%,-"+#$A%^0%A"=7%"S$+%,"+A%<7%",N@":$AR
.,"0#"E310 P0%
+&#$1/),%8),Q2E) %&%_+$$%,"??UF'9:-/%:-$9%P.B00U,"??h%I;:'F":$A%D-'9$%",,';9:%",,$77%"9A%'9?<9$%",,';9:%
",,$77%"+$%(+$$
D"L"0E)%60O&2,R% P0%IC*%>"?"9,$%<9Z;<+=
.j%'(%:+"97",N'9%"F';9:%"S$+%,'9@$+7<'9
41,)2T0%+&,,)0ER%+10Q),#210%4))
?$C), ["9V%C$??$+%8"7-%IA@"9,$%Q7@,%,-#%,"7-%"A@R%3%P5%D$+%:+"97",N'9h%!"D$+%7:":$F$9:%($$%3%P.%
D$+%7:":$F$9:%%%
B=7=V67V%I?9:%+=:5%?7!67;
C$W:%a>"?"9,$a%:'%)).25%:'%,-$,V%>"?"9,$%('+%(+$$
6$7
@?W%.?%=H?65%4;;8
Consumer Action
Page 69 of 109
!"#$%^%'(%)
+?7465;7.6=!6.I
>:6H=+I%7?.6+;
?$C),%60A1
Consumer Action
Page 70 of 109
OcI]6A$><:%F"=%A<7,?'7$%<9('+F"N'9%:'%:-<+A%D"+N$7%">';:%=';+%8"+A%'+%:-$%:+"97",N'97%
=';%F"V$k%X-$+$%<:%<7%9$,$77"+=%('+%,'FD?$N9#%:+"97",N'97h%H9%'+A$+%:'%@$+<(=%:-$%
$W<7:$9,$%"9A%,'9A<N'9%'(%=';+%8"+A%('+%"%:-<+A%D"+:=/%7;,-%"7%F$+,-"9:h%H9%'+A$+%:'%,'FD?=%
E<:-%#'@$+9F$9:%"#$9,=/%,';+:%'+A$+/%'+%':-$+%?$#"?%+$D'+N9#%+$Z;<+$F$9:7h%H(%=';%#<@$%;7%
=';+%E+<`$9%D$+F<77<'9h%'+%C'%';+%$FD?'=$$7/%";A<:'+7/%"l?<":$7/%7$+@<,$%D+'@<A$+7/%'+%
"`'+9$=7%"7%9$$A$AB
https://www.readydebit.com/privacy/bancorp.html
H9%'+A$+%:'%,'FD?=%E<:-%8"?<('+9<"%"9A%K$+F'9:%?"E7/%OcI]6A$><:%<7%+$Z;<+$A%:'%'>:"<9%=';+%
,'97$9:%>$('+$%7-"+<9#%<9('+F"N'9%">';:%=';%E<:-%':-$+7B%C-$=%E<??%9':%7-"+$%<9('+F"N'9%
:-$=%,'??$,:%">';:%=';%E<:-%"l?<":$7%"9A%9'93"l?<":$A%:-<+A%D"+N$7/%;9?$77%':-$+E<7$%
D$+F<`$A%>=%?"EB
!"#$%)%'(%)
Regions Now Visa
Prepaid Card
!"#$%&'("$)(* *"+,-%../%.0&.
7>B;%=4%+>:5%6889;:
7>B;%=4%+>:5
9:!%8=9:+;%=4%+>:5%674=
:)C210#%D"0E
Regions Now Visa Prepaid Card
http://promo.regions.com/NowCard/default.htm?CID=20446&V_TID=943701&ProspectID=270E57562C3F46728786C1DC3E84E599
+",(-#%.),/#%"0(%+10(2310#
http://promo.regions.com/NowCard/default.htm?CID=20446&V_TID=943701&ProspectID=270E57562C3F46728786C1DC3E84E599#
9:!%1A%6889;:
https://www.regions.com/?ProspectID=270E57562C3F46728786C1DC3E84E599
6889;:%?@=7;
+>:5%>F>6!>D6!6.G%H8.>.;8I
456+%6789:;5<
4:>95%?:=.;+.6=7<
Consumer Action
Page 71 of 109
10023)424553
All 50
6$7
89%:9":;-'+<=$>%;+"97",?'9%@$"97%"%;+"97",?'9%:7<9#%A':+%B"+>%;-";%<7%<9<?";$>%CA%"9';-$+%D$+7'9%E<;-':;%A':+%":;-'+<;A%;'%<9<?";$%;-$%
;+"97",?'9%"9>%(+'@%E-<,-%A':%+$,$<F$%9'%C$9$G;H%I-$%;$+@%>'$7%9';%<9,J:>$%"9A%;+"97",?'9%;-";%<7%<9<?";$>%CA%"%D$+7'9%E-'%E"7%
(:+9<7-$>%E<;-%;-$%B"+>%'+%A':+%!KL%CA%A':/%:9J$77%A':%-"F$%9'?G$>%:7%;-";%;+"97",?'97%CA%;-";%D$+7'9%"+$%9'%J'9#$+%":;-'+<=$>%"9>%E$%
-"F$%-">%+$"7'9"CJ$%'DD'+;:9<;A%;'%",;%'9%;-";%9'?G,"?'9H%M"N%I$JJ%:7%8I%OLBP%<(%A':%C$J<$F$%A':+%B"+>%'+%!KL%-"7%C$$9%J'7;%'+%7;'J$9H%
I$J$D-'9<9#%:7%";%;-$%9:@C$+%D+'F<>$>%<9%;-<7%8#+$$@$9;%<7%;-$%C$7;%E"A%'(%Q$$D<9#%A':+%D'77<CJ$%J'77$7%>'E9H%6':%,':J>%J'7$%"JJ%A':+%
@'9$A'9%A':+%B"+>H%K(%A':%;$JJ%:7%E<;-<9%;E'%M.N%C:7<9$77%>"A7%"R$+%A':%J$"+9%'(%;-$%J'77%'+%;-$R/%A':%,"9%J'7$%9'%@'+$%;-"9%ST0H00%<(%
7'@$'9$%:7$>%A':+%B"+>%'+%!KL%E<;-':;%A':+%D$+@<77<'9H%MCN%K(%A':%>'%LOI%;$JJ%:7%E<;-<9%;E'%M.N%C:7<9$77%>"A7%"R$+%A':%J$"+9%'(%;-$%J'77%'+%
;-$R%'(%A':+%B"+>%'+%!KL/%"9>%E$%,"9%D+'F$%E$%,':J>%-"F$%7;'DD$>%7'@$'9$%(+'@%:7<9#%A':+%B"+>%'+%!KL%E<;-':;%A':+%D$+@<77<'9%<(%A':%-">%
;'J>%:7/%A':%,':J>%J'7$%"7%@:,-%"7%ST00H00H%M,N%8J7'/%<(%A':+%B"+>%;+"97",?'9%-<7;'+A%7-'E7%"%;+"97",?'9%;-";%A':%><>%9';%@"Q$/%;$JJ%:7%";%
'9,$H%K(%A':%>'%9';%;$JJ%:7%E<;-<9%;-$%$"+J<$7;%'(%M<N%50%>"A7%"R$+%;-$%>";$%A':%",,$77$>%A':+%B"+>%;+"97",?'9%-<7;'+A%'9%E-<,-%;-$%;+"97",?'9%
"DD$"+$>/%M<<N%50%>"A7%"R$+%;-$%>";$%E$%7$9;%A':%;-$%UKVWI%E+<X$9%;+"97",?'9%-<7;'+A%'9%E-<,-%;-$%;+"97",?'9%"DD$"+$>/%'+%M<<<N%&.0%>"A7%
"R$+%;-$%;+"97",?'9%E"7%@">$%E<;-%A':+%B"+>/%A':%@"A%9';%#$;%C",Q%"9A%@'9$A%A':%J'7;%"R$+%;-$%50%>"A7%'+%&.0%>"A7/%"7%"DDJ<,"CJ$/%<(%E$%
,"9%D+'F$%;-";%E$%,':J>%-"F$%7;'DD$>%7'@$'9$%(+'@%;"Q<9#%;-$%@'9$A%<(%A':%-">%;'J>%:7%<9%?@$H%K(%E$%>$;$+@<9$%;-";%$Y;$9:"?9#%
,<+,:@7;"9,$7%Q$D;%A':%(+'@%;$JJ<9#%:7/%E$%@"A%$Y;$9>%;-$%?@$%D$+<'>7H%M>N%6':%"#+$$%;'%,''D$+";$%,'@DJ$;$JA%E<;-%:7%<9%':+%"X$@D;7%;'%
+$,'F$+%(:9>7%(+'@%:9":;-'+<=$>%:7$+7%"9>%;'%"77<7;%<9%;-$<+%D+'7$,:?'9H%6':%"#+$$%;'%,'@DJ$;$%7:,-%"Z>"F<;7%"9>%>',:@$9;7%E$%>$$@%
9$,$77"+A%;'%D+',$77%"9A%,J"<@%A':%@"Q$%+$#"+><9#%A':+%B"+>H%6':%"J7'%"#+$$%;-";%A':%E<JJ%D+'F<>$%"JJ%+$"7'9"CJ$%,''D$+"?'9%;'%:7%<9%;-$%
,<F<J%'+%,+<@<9"J%D+'7$,:?'9%'(%"9A%D"+;A%+$7D'97<CJ$%('+%"9A%:9":;-'+<=$>%E<;->+"E"J7%(+'@%A':+%B"+>%'+%"9A%D"+;A%E-'%-"7%@">$%"9%
:9":;-'+<=$>%$9>'+7$@$9;%'9%"9A%<;$@%D"A"CJ$%;'%A':%<(%7:,-%<;$@%E"7%>$D'7<;$>%'+%9$#'?";$>%CA%:7H%6':+%("<J:+$%;'%,'@DJA%E<;-%;-$7$%
D+',$>:+$7%@"A%+$7:J;%<9%"%>$9<"J%'(%A':+%,J"<@H%[<7"%\$+'%]<"C<J<;A%!'J<,A%<9%$^$,;%";%;-$%?@$%'(%"9A%:9":;-'+<=$>%'+%(+":>:J$9;%:7$%'(%A':+%
B"+>H%I-$%\$+'%]<"C<J<;A%!'J<,A%,'F$+7%:9":;-'+<=$>%"9>%(+":>:J$9;%B"+>%;+"97",?'97%;-";%"+$%D+',$77$>%'F$+%;-$%[<7"%9$;E'+QH%I-$%\$+'%
]<"C<J<;A%!'J<,A%>'$7%9';%"DDJA%;'%!KL%;+"97",?'97%;-";%"+$%9';%D+',$77$>%'F$+%;-$%[<7"%9$;E'+Q%'+%;'%8I*%;+"97",?'97H%_$%@"A%9';%$Y;$9>%
;-$%C$9$G;7%'(%;-$%\$+'%]<"C<J<;A%!'J<,A%;'%A':%<(%E$%+$"7'9"CJA%>$;$+@<9$%;-";%;-$%:9":;-'+<=$>%'+%(+":>:J$9;%;+"97",?'9%E"7%,":7$>%CA%
#+'77%9$#J<#$9,$%'+%(+":>:J$9;%,'9>:,;%'9%A':+%D"+;H%`+'77%9$#J<#$9,$%@"A%<9,J:>$/%C:;%<7%9';%J<@<;$>%;'/%"9%:9+$"7'9"CJ$%>$J"A%'9%A':+%D"+;/%
<9%':+%a:>#@$9;/%<9%;-$%+$D'+?9#%'(%;-$%;+"97",?'9/%'+%A':+%("<J:+$%;'%(:JGJJ%A':+%'CJ<#"?'97%:9>$+%;-<7%8#+$$@$9;H%K9%;-$%$F$9;%;-$%\$+'%
]<"C<J<;A%!'J<,A%<7%9';%"DDJ<,"CJ$/%7:C7$,?'97%M"N/%MCN/%M,N/%"9>%M>N/%"C'F$/%E<JJ%"DDJAH
!"#$%&%'(%)
Regions Now Visa
Prepaid Card
;::=:%:;8=!9.6=7<
.)/'1,",N%+",(
I$J$D-'9$%:7%";%;-$%,:7;'@$+%7$+F<,$%9:@C$+%D+'F<>$>%<9%;-<7%8#+$$@$9;%'+%E+<;$%:7%";%;-$%,:7;'@$+%7$+F<,$%">>+$77%D+'F<>$>%<9%;-<7%
8#+$$@$9;%"7%7''9%"7%A':%,"9/%<(%A':%;-<9Q%"9%$++'+%-"7%',,:++$>%+$#"+><9#%A':+%B"+>%'+%"9A%B"+>%;+"97",?'9H%6':%@:7;%+$D'+;%"%7:7D$,;$>%
$++'+%9'%J";$+%;-"9%$"+J<$7;%'(%M<N%50%>"A7%"R$+%;-$%>";$%A':%$J$,;+'9<,"JJA%",,$77$>%A':+%B"+>%;+"97",?'9%-<7;'+A%'9%E-<,-%$++'+%"DD$"+$>/%M<<N%
50%>"A7%"R$+%;-$%>";$%E$%7$9;%A':%;-$%UKVWI%E+<X$9%;+"97",?'9%-<7;'+A%'9%E-<,-%;-$%$++'+%"DD$"+$>/%'+%M<<<N%&.0%>"A7%"R$+%;-$%"JJ$#$>%
$++'9$':7%;+"97",?'9%E"7%@">$%E<;-%A':+%B"+>H%6':%@"A%+$d:$7;%"%E+<X$9%-<7;'+A%'(%A':+%;+"97",?'97%";%"9A%?@$%CA%,"JJ<9#%:7%";%;-$%
,:7;'@$+%7$+F<,$%9:@C$+%D+'F<>$>%<9%;-<7%8#+$$@$9;%'+%E+<?9#%;'%:7%";%;-$%,:7;'@$+%7$+F<,$%">>+$77%D+'F<>$>%<9%;-<7%8#+$$@$9;%M"DDJ<,"CJ$%
($$7%@"A%"DDJANH
6':%E<JJ%9$$>%;'%;$JJ%:7e
f%6':+%9"@$%"9>%B"+>%9:@C$+H
f%_-A%A':%C$J<$F$%;-$+$%<7%"9%$++'+/%"9>%;-$%>'JJ"+%"@':9;%<9F'JF$>H%f%8DD+'Y<@";$JA%E-$9%;-$%$++'+%;''Q%DJ",$H
K(%A':%;$JJ%:7%'+"JJA/%E$%@"A%+$d:<+$%;-";%A':%7$9>%:7%A':+%,'@DJ"<9;%'+%d:$7?'9%<9%E+<?9#%E<;-<9%&0%C:7<9$77%>"A7H%_$%E<JJ%>$;$+@<9$%
E-$;-$+%"9%$++'+%',,:++$>%E<;-<9%&0%C:7<9$77%>"A7%"R$+%E$%-$"+%(+'@%A':%"9>%E<JJ%,'++$,;%"9A%$++'+%D+'@D;JAH%K(%E$%9$$>%@'+$%?@$/%
-'E$F$+/%E$%@"A%;"Q$%:D%;'%4T%>"A7%;'%<9F$7?#";$%A':+%,'@DJ"<9;%'+%d:$7?'9H%K(%E$%>$,<>$%;'%>'%;-<7/%E$%E<JJ%,+$><;%A':+%B"+>%E<;-<9%&0%
C:7<9$77%>"A7%('+%;-$%"@':9;%A':%;-<9Q%<7%<9%$++'+/%7'%;-";%A':%E<JJ%-"F$%;-$%@'9$A%>:+<9#%;-$%?@$%<;%;"Q$7%:7%;'%,'@DJ$;$%':+%<9F$7?#"?'9H%
K(%E$%"7Q%A':%;'%D:;%A':+%,'@DJ"<9;%'+%d:$7?'9%<9%E+<?9#%"9>%E$%>'%9';%+$,$<F$%<;%E<;-<9%&0%C:7<9$77%>"A7/%E$%@"A%9';%,+$><;%A':+%B"+>H%U'+%
$++'+7%<9F'JF<9#%9$E%B"+>7/%D'<9;2'(27"J$/%'+%('+$<#92<9<?";$>%;+"97",?'97/%E$%@"A%;"Q$%:D%;'%g0%>"A7%;'%<9F$7?#";$%A':+%,'@DJ"<9;%'+%
d:$7?'9H%U'+%9$E%B"+>7/%E$%@"A%;"Q$%:D%;'%.0%C:7<9$77%>"A7%;'%,+$><;%A':+%B"+>%('+%;-$%"@':9;%A':%;-<9Q%<7%<9%$++'+H%_$%E<JJ%;$JJ%A':%;-$%
+$7:J;7%E<;-<9%;-+$$%C:7<9$77%>"A7%"R$+%,'@DJ$?9#%':+%<9F$7?#"?'9H%K(%E$%>$,<>$%;-";%;-$+$%E"7%9'%$++'+/%E$%E<JJ%7$9>%A':%"%E+<X$9%
$YDJ"9"?'9H%6':%@"A%"7Q%('+%,'D<$7%'(%;-$%>',:@$9;7%;-";%E$%:7$>%<9%':+%<9F$7?#"?'9H%K(%A':%9$$>%@'+$%<9('+@"?'9%"C':;%':+%$++'+2
+$7'J:?'9%D+',$>:+$7/%,"JJ%:7%";%;-$%,:7;'@$+%7$+F<,$%9:@C$+%D+'F<>$>%<9%;-<7%8#+$$@$9;H
6':%@"A%#'%;'%"%V$#<'97%b"9Q%C+"9,-%"9>%'C;"<9%"%;$@D'+"+A%,"+>%<(%A':%>'9c;%E"9;%;'%E"<;%('+%'9$%;'%C$%@"<J$>%;'%A':H%B'@DJ$?9#%"9%
"DDJ<,"?'9%('+%;-$%D$+7'9"J<=$>%,"+>%E<JJ%C$%@"9>";'+A%;'%+$,$<F$%"%;$@D'+"+A%,"+>H%I$@D'+"+A%,"+>7%E<JJ%C$%#<F$9%<@@$><";$JA%'9,$%<>$9?;A%
<7%"DD+'F$>H%I$@D'+"+A%,"+>7%"+$%+$J'">"CJ$%"9>%,"9%C$%:7$>%";%8I*7H%I-$%;$@D'+"+A%,"+>%E<JJ%$YD<+$%"R$+%4T%>"A7H%6':+%D$+7'9"J<=$>%,"+>%
E<JJ%C$%@"<J$>%;'%A':%T23%>"A7%"R$+%"DDJA<9#H%
B202/&/%!1"( S&0H00%
B"J2/&/%D"K"0L) S3/T00%
?),#10"K2M)(%+",(
B202/&/%!1"( S&0H00%
B"J2/&/%D"K"0L) S3/T00%
98;%=4%+>:5
+>:5%:;8.:6+.6=78
:)K1"(%?,1L)##
Consumer Action
Page 72 of 109
S)/000%;+"97",?'9%J<@<;%D$+%>"Ah%ST0T%,"7-%E<;->+"E"J%D$+%>"Ah%S&0%]'">iU:9>%@<9<@:@%DJ:7%"DDJ<,"CJ$%($$h%ST00%]'">iU:9>%*"Y<@:@%";%
V$#<'97%j$D'7<;W@"+;%8I*%'+%"9A%7-"+$>%+$J'">%9$;E'+Q
f%6':%@"A%+$@<;%,"7-%('+%"%B"+>%J'">%";%"9A%'(%':+%C"9Q<9#%'Z,$7%'+%";%'9$%'(%':+%j$D'7<;%W@"+;%8I*7H
f%6':%@"A%;+"97($+%"F"<J"CJ$%(:9>7%;'%;-$%B"+>%(+'@%"%>$D'7<;%",,':9;%A':%-"F$%E<;-%V$#<'97%b"9Q
f%6':%@"A%"++"9#$%('+%A':+%$@DJ'A$+%'+%';-$+%D"A'+%;'%,+$><;%A':+%B"+>%E<;-%D"A+'JJ%(:9>7%'+%';-$+%(:9>7%'E$>%;'%A':%;-+':#-%"9%8Bk%
;+"97($+%'+%l><+$,;%>$D'7<;Hm%
f%6':%@"A%+$@<;%,"7-%('+%"%B"+>%J'">%";%"9A%;-<+>2D"+;A%+$;"<J%J',"?'9%;-";%D"+?,<D";$7%<9%"9A%+$J'">%9$;E'+Q%<9%E-<,-%E$%D"+?,<D";$H%_-$9%
A':%:7$%"%;-<+>2D"+;A%+$;"<J%J',"?'9%;'%J'">%(:9>7%;'%;-$%B"+>/%;-$%;-<+>2D"+;A%+$;"<J$+%",;7%"7%A':+%"#$9;%<9%;-$%;+"97@<X"J%'(%(:9>7%;'%:7H%
I-<+>%D"+;A%+$J'">%($$7%@"A%"DDJAH%
!"#$%.%'(%)
Regions Now Visa
Prepaid Card
+,)(2$%LP)LE%,)O&2,)(<
D"0E%"LL1&0$%,)O&2,)(<
:)O&2,)/)0$#
52,)L$%5)'1#2$
4;;8*
L'
L'
*:7;%C$%&g%A$"+7%'+%'J>$+H%_<JJ%9$$>%;'%D+'F<>$%9"@$/%jOb/%">>+$77%"9>%#'F$+9@$9;%Kj%";%?@$%'(%"DDJ<,"?'9H%
6$7
6023"K%?&,LP"#)Q>L3R"310 S4%!:+,-"7$%U$$%M<9,J:>$7%&7;%J'">Nh%U+$$%E<;-%V$#<'97%,-$,Q%,"7-<9#
:)K1"( S)%+$J'">%MV$#<'97%b+"9,-N%'+%U+$$%E<;-%V$#<'97%,-$,Q%,"7-<9#h%S0%]'">iU:9>%F<"%V$#<'97%j$D'7<;W@"+;%8I*/%O9J<9$%'+%;-$%V$#<'97%
8:;'@";$>%D-'9$%7A7;$@h%]'">iU:9>%F<"%V$#<'97%B:7;'@$+%W$+F<,$%8#$9;%'+%"9A%7-"+$>%+$J'">%9$;E'+Qh%I-<+>%D"+;A%+$J'">%($$7%@"A%"DDJA%
M:D%;'%S4HgTN
>.B%+"#P%S2$P(,"S"K% S0%V$#<'97%8I*%_<;->+"E"Jib"J"9,$%K9d:<+A%M<9%9$;E'+QNh%S.%O:;%'(%L$;E'+Q%8I*%_<;->+"E"Jib"J"9,$%K9d:<+Ah%ST%K9;$+9"?'9"J%8I*%
_<;->+"E"Jib"J"9,$%K9d:<+A
+P)LE%?,1L)##20C S0H00%
!1#$T%8$1K)0%1,%>((2310"K%+",(%S)%+$DJ",$@$9;
52,)L$%5)'1#2$ S0H00%
B10$PKN%B"20$)0"0L)%4)) ST%n%L'%,-"+#$%E<;-%ST00%@'9;-JA%j<+$,;%j$D'7<;
.,"0#"L310 S0%
+&#$1/),%8),R2L) S.%B:7;'@$+%W$+F<,$%8#$9;%MD$+%,"JJNh%S0%'9J<9$%"9>%":;'@";$>%,:7;'@$+%7$+F<,$
D"K"0L)%60O&2,N% S0%<929$;E'+Qh%S.%':;2'(29$;E'+Q%8I*%C"J"9,$%<9d:<+A
)o%'(%D:+,-"7$%"@':9;
41,)2C0%+&,,)0LN%+10R),#210%4))
=$P), S)%D"D$+%7;";$@$9;%($$
O9J<9$%",,':9;%@"9"#$@$9;%"F"<J"CJ$%.4i3
B>7>U67U%G=9:%+>:5%=7!67;
6$7
6$7
8F'<>%S)%+$J'">%($$7%CA%7$p9#%:D%><+$,;%>$D'7<;H%8F'<>%8I*%($$7%CA%:7<9#%V$#<'97%b"9Q%8I*7%"9>%,-$,Q<9#%A':+%C"J"9,$%'9J<9$%'+%F<"%;$Y;%
@=V%.=%>F=65%4;;8
+=7465;7.6>!6.G
_$%E<JJ%><7,J'7$%<9('+@"?'9%;'%;-<+>%D"+?$7%"C':;%A':+%B"+>%'+%;-$%;+"97($+7%A':%@"Q$e%f%_-$+$%<;%<7%9$,$77"+A%('+%,'@DJ$?9#%;+"97($+7/%'+
f%K9%'+>$+%;'%F$+<(A%;-$%$Y<7;$9,$%"9>%,'9><?'9%'(%A':+%B"+>%'+%(:9>7%('+%"%;-<+>%D"+;A/%7:,-%"7%"%,+$><;%C:+$":%'+%@$+,-"9;/%'+
f%K9%'+>$+%;'%,'@DJA%E<;-%#'F$+9@$9;%"#$9,A%'+%,':+;%'+>$+7/%'+
f%K(%A':%#<F$%:7%A':+%E+<X$9%D$+@<77<'9/%'+
f%O;-$+E<7$%<9%",,'+>"9,$%E<;-%':+%D+<F",A%9'?,$/%E-<,-%E"7%D+'F<>$>%;'%A':%E-$9%A':%"DDJ<$>%('+%'+%+$,$<F$>%A':+%B"+>H%6':%@"A%'C;"<9%"%
,'DA%'(%':+%D+<F",A%9'?,$%";%"9A%?@$%CA%F<7<?9#%"9A%'(%':+%C+"9,-$7%'+
CA%F<7<?9#%':+%E$C7<;$%";%EEEH+$#<'97H,'@H
?:6F>+G%7=.6+;
6':%E<JJ%+$,$<F$%<9('+@"?'9%E-$9%7$9;%"DD+'F$>%,"+>H%B-$,Q%;$+@7%'(%"#+$$@$9;
=$P),%60A1
!KL%;+"97",?'97%"+$%9';%"F"<J"CJ$/%"9>%;-$+$('+$%,"7-2C",Q%";%?@$%'(%D:+,-"7$7%<7%9';%"JJ'E$>H
Consumer Action
Page 73 of 109
!"#$%)%'(%)
RushCard
(Pay as You Go Program)
"#& #) +<.;9:;
! !,"!"$"
http://www.rushcard.com/
http://www.rushcard.com/cardholder.aspx
A??1@A@1=:>9
*+
(
#
(
Prepaid Visa RushCard (Pay as You Go Program) (*New RushUnlimited available: See
footnote.)
Not available in Vermont.
"#////!"%'% #.+ '"$+ "''$ ",#$$"#% # + '"
" '$#69/99+ ' %+'#)$$) 2;3'###+#+ '" $" ##+$ "
"''$$ + '""/#"'$+ ("#//1##'"# +/"'
$+ # $!!+$ $"#% #.
$"#% # $!" ##+#. ""$ "
"$"#% #/('!" (# "$ '$#"!" ( !" (# ##+
)$.+.$. ""## $ "##'#" ## ""'.+"! "%
''$ ",'#.(#%% ("% '$#$#$ "+/"#% $
##''#$! #$$ + '" '$ "!" (# "$+##'/+ ' %+'#)$$) 2;3
'###+# +''$ ",$"#% #.+ ' # "$6>9/99# '#+ '"
")$ '$+ '"!"## /+ ' $ %+'#)$$) 2;3'###+#"+ '" $ ##
"$ + '"")!" ($$) '(#$ !!# " '#+ '"")$ '$
+ '"!"## + '!" !$+ %'#.+ ' ' ##'#6>99/99/
# .+ ' )" 0 "+ '"#$$$# )#$"#% #$$+ ' $. %+'#$
)$!" '"##$$$!""!4 "% '$ '"$$ #!'$
"" "#/4+ ' $ %+'#)"%)$#*$+2?93+#"+ ' )" $$"#% 0 ""$#$$$)#($ + '.+ '+ $$+('+ ' #$"$#*$+
2?93+#)!" ($$) '(#$ !!# " $$('+ ' %'#
%+ '"" ##+$ ""''$$ + '""/+ '""# #$ "
#$ .)) #+ '"" '$$ ! ### )/
Consumer Action
Page 74 of 109
: =
RushCard
$ ## #$ #")$& $ )%- )## )%/%! )$%4CAA5BCB3?==B/+#%)$%)$
/
11 ,?=?C=/&/?@=?=/ #)$%%6#)$#1 $$ $- )/- )
%## #$ )##- )## )%1)$% +- )% #! #%## #)&$,%-4A;5-$
#%## %%- )%# -$$- )## )%/%## # )*+- )#
%# $% #-/ #%%+$%%+#($% #- +%## #!!#1 )-
#")$%+#($% #- - )#%#$& $%-&-)$%4CAA5BCB3?==B #+#&)$%
)$/
11 ,?=?C=/&/?@=?=1 )+% %)$0<1 )## )%
)#1=1-- )*%#$## #/% # )%* *1>1!!# ,%-+%
## #% !1- )%)$ #-/+-#")#%%- )$)$- )# !% #")$& +#&
+%%4<;5)$$$-$1+%#+%### # )##+%%4<;5)$$$-$
#+## - )+ ##%-## #!# !%-1+ #&/ +*#/+-%)!
% #%-3*4?@5-$% *$&%- )# !% #")$& 1+% %$/++#%- )#
# )%+%%4<;5)$$$-$ #% )%- )%$## #/$ %%- )+*%
-)#%&%%$)$% !% )#*$&& 1+$- )% !)%- )# !% #
")$& +#&- ) %!# *%+%%4<;5)$$$-$/+- %#%- )##1 #
## #$* *+#$/
%#$& $/ # #3&%%#$& $/+-%)!% %-4D;5
-$% *$&%- )# !% #")$& 1 #+# )%$/+-%)!% %+%-4=;5
)$$$-$% #%- )## )% #% )%- )%$## #1+%- )%#$)%$
+%%#4>5)$$$-$# !&%*$&& 1+%%%#+$ ## #/++
$- )+#(,!& 1 )-$ # !$ % )%$%%+)$ )#*$&& 1
- ) # #& )% )### #3#$ )& !# )#$/)$%4CAA5BCB3?==B #*$%
+++1#)$#1 1
$1
%$#+%%#")#$$&%)& $% %/*#-/# #
#& %%&$!#$ + !$# )%1%%$$ #- )0- ) !
# )%/++$ #- )#/#$$/% #%/ %# #& %%+ +)$% #$ -&-- )1-$ $% $- )##*#2$$ # %#&- )%$%-
&1
8;1;<
8D/DDD
,) )%%%$!% - )##!#-$8=/@;;1;;1,)*) - )##
$#$%#%% 8D/DDD1;;1
Consumer Action
Page 75 of 109
= ?
RushCard
(
$,"0,#()$0$,''2!!;-!,!$#;2)#0*"5"#",""$,#)$)#*!-!,
!$(=>5>?5"#",""$,#)$-!,'!$(=>5>?5"/",""$,#)$)#*!-!,
!$(=?2>>>5>>!$#-(2 $'"$#0$''3=@2>>>5>>%'"$#)$'')$')'#('(
).#'$!'(3=@2>>>5>>%'07=C2>>>5>>%'"$#)$''8)$8')'#('().#0$,'$.#
'(3=C2>>>5>>!$#-$'')%$()5"/",""$,#)$-!,'!$(=?2>>>5>>
!$#-(2 $'"$#0$''3=@2>>>5>>%'"$#)$'')$')'#('().#
'$!'(3=@2>>>5>>%'07=C2>>>5>>%'"$#)$''8)$8')'#('().#0$,'$.#'(3
=C2>>>5>>!$#-$'')%$()5$,"0-!,$'!$0$,''-')%$()2
)'#(*$#'$"0$,' #$'(-#($,#)2'8)$8')'#('(2 2"$#0$''2$'()#0
(#)$#$#)5$,#$)##$'"*$#$#$.)$!$0$,'')...5',('5$"5$,
.!!-(()$0$,',#())*"((%!$.5!(#$))!$(,!-'(.)
%$()")$4')%$()74"0('-3($4(,!!0.)#$#9?:$,'2,)#$
!)')#)#/),(#((03 (4D8?>0('$")0'-3$#0''(4%$#-'*$#
$#'-3'8)$8''#('(4)#$#$,'$#))(%00$,5
!&
!!&
!
$
$
)('!!.))'&,'(!!##!#(*),*$#()$$)#2-'02#'$'
#$'"*$#))#*(%'($#.$$%#('$,#)5))("#($'0$,4#0$,$%#
'$,#)2..!!( $'0$,'#"2'((2)$')2#$)'#$'"*$#)).!!!!$.,()$
'($#!0#*00$,5"0!($( )$(0$,''-'6(!#($'$)'#*0#$,"#)()#0
*"5
"$#0)$0$,',('0-#0$,'%0'$!!$'$-'#"#)#)( %$()')!0)$0$,'
,('$''5
'
http://www.rushcard.com/whyrushcard/scheduleoffees.aspx
!(" ''(($#)%!(*(#'&,()5'(=A5EC$')$'#!,('(#3
=E5EC$')! "$#2# "$#2,'%!"$#,('#(#(2#=?B5EC$'
0),('#
,('(#(59,(#!")!#""'(''"$#)!0$
=C5EC#'$!!#')%$()2$'=D5EC#$)#'$!!5:
=>'!$(3'%')0'!$("0%%!09,%)$=B5EC:
# =?5EC8$"(*##)'#*$#!
$#9=A5EC'%!"#).(!"#)#','0@>?@:
=>
$
=>
$ $#9#'$!!"#)$=@#!!%0"#)$=?.'!"#)#','0@>?@:
Consumer Action
Page 76 of 109
A$B
RushCard
"#% :=2$$(("7:=<8$& "&!#"(5''''#&"(,&"(&"')#"5#&(
0'#,#', 2#"-""'&#-(("# &7:=<8!#,"(. &,"(#
0#,&& "(# #." "&!#"(57,'" !( "!!&'&&!#"( 0#
:A5CA"&# "&($#'(2#&:B5CA"#("&# 5'!#"( 0")( '!!&'(#," !(
"'"(,&(&"')#"'58
'#$ ""( :<
!'") ""%,&06:5A<3"(&")#" 6:=
>F#(&"')#"3:>#"-""$&(&"')#"
"'"") ("# $" ""4#"5&6(#6&(&"'&4:<$&'#" &(#&2CC;&# &(#&# &3:=
$$&'((!"(
'
'
'
,'" !( "!!&'&&!#"( 0#:A5CA"&# "&($#'(2#&:B5CA"#(
"&# 5'!#"( 0")( '!!&'(#," !("'"(,&(&"')#"'5
.(&. '
#'(:>5A<$&,'50'#,# "!!&'-"#
#"( 05"(,&"(&"')#"'&:=
$&(&"')#"2.(!/!,!#'(#:=<$&!#"(5"0(&"')#"'&0#"(&'(=<
. &((#0#,&&(# #."!#"(5
.(&. '#'(:=5CA$&,'5
#"( 0 "!!&'&&
#"( 0#:C5CA5
#"( 0")( '!!&'(#2
," !('"(,&$,&'(&"')#"'">
.(&. '!#"(5(&"')#"'-
:=2")#" .(&. '#'(:>5A<$&,'5
,'&!0' #'"#&!)#"(#(&$&)'#,(0#,&&#&((&"')#"'0#,!4=5&
('"''&0#&#!$ )"(&"')#"'3>5"#&&(#-&0(/'(""#")#"#0#,&&#&
(&$&(02','!&"(3?5"#&&(##!$ 0.(#-&"!"("02#,&(#&&2#&#(& &$#&)"&%,&!"('3@50#,-(!0#,&.&+"$&!''#"3#&A5#(&!$ #0'2,(#&'2
('2'&-$&#-&'2#&+#&"0''"5
http://www.rushcard.com/securityandprivacy.aspx
#
&$%&!
""!!""
!'&%
Consumer Action
Page 77 of 109
@#@
RushCard
(Pay Monthly Program)
"#& #) ,>/=;<=
!,"!"$"
*+
(
! (
"#1111!"%(% #/, ("$, "(($ "-#$$"#% # , ("" ($#8;1;;
, ( %,(#*$$* 4=5(###,#, (" $" ##,$ ""(($$ , (""1#
"($, )"#113##("# ,1"($, # $!!,$ $"#% #/
$"#% # $
!" ##,#/ ""$ ""$"#% #1)(!" )# "$ ($#"!" ) !" )# ##,*$/,/$/ ""## $ "##(#" ## ""(/,"! "%
(($ "-(#/)#%% )"% ($#$#$ ",1"#% $##((#$! #$$ , (" ($ "!" )# "$,##(1, ( %,(#*$$* 4=5(###,# ,(($ "-
$"#% #/, ( # "$8@;1;;# (#, (""*$ ($, ("!"## 1, ( $ %,(#*$
$* 4=5(###,#", (" $ ## "$ , (""*!" )$$* ()#$ !!# " (#, (""*$ ($, ("!"## , (!" !$, %(#/, ( ( ##(#8@;;1;;1
Prepaid Visa RushCard (Pay Monthly Program) (*New RushUnlimited available: See footnote.)
http://www.rushcard.com/
http://www.rushcard.com/cardholder.aspx
'!022***1$ "!1 2
CAA3BCB3?<@;
Not available in Vermont.
#
# /, ( *" 2 ", ("#$$$# *#$"#% #$$, ( $/ %,(#$ *$
!" ("##$$$!""!6 "% ($ ("$$ #!($"" "#16, ( $ %,(#*"%
*$#+$,4A;5,#", ( *" $$"#% 2 ""$#$$$*#)$ , (/, (,
$$,)(, ( #$"$#+$,4A;5,#*!" )$$* ()#$ !!# " $$
)(, ( %(#%, ("" ##,$ ""(($$ , (""1, (""#
#$ "#$ /** #, ("" ($$ ! ### *1
Consumer Action
Page 78 of 109
< ?
RushCard
$ ## #$ #")$& $ )%- )## )%/%! )$%<4CAA5BCB3?==B/+#%)$%)$/
11 ,
?=?C=/&/?@=?=/ #)$%%6#)$#1 $$ $- )/- )%## #$ )##- )#
# )%1)$% +- )% #! #%## #)&$,%-4A;5-$#%## %%- )%# -$$- )#
# )%/%## # )*+- )#%# $% #-/ #%%+$%%+#($% #- +%
## #!!#1 )-#")$%+#($% #- - )#%#$& $%-&-)$%4CAA5BCB3?==B #+#&)$%
)$/
11 ,?=?C=/&/?@=?=1 )+% %)$0<1 )## )%)#1=1-- )
*%#$## #/% # )%* *1>1!!# ,%-+%## #% !1- )%)$ #-/+-
#")#%%- )$)$- )# !% #")$& +#&+%%4<;5)$$$-$1+%#+%### #
)##+%%4<;5)$$$-$#+## - )+ ##%-## #!# !%-1+ #&/
+*#/+-%)!% #%-3*4?@5-$% *$&%- )# !% #")$& 1+% %$/++#%
- )## )%+%%4<;5)$$$-$ #% )%- )%$## #/$ %%- )+*% -)#%
&%%$)$% !% )#*$&& 1+$- )% !)%- )# !% #")$& +#&- ) %!# *%
+%%4<;5)$$$-$/+- %#%- )##1 ### #$* *+#$/
%#$& $/ # #3&%
%#$& $/+-%)!% %-4D;5-$% *$&%- )# !% #")$& 1 #+# )%$/+-%
)!% %+%-4=;5)$$$-$% #%- )## )% #% )%- )%$## #1+%- )%#$)%$+%
%#4>5)$$$-$# !&%*$&& 1+%%%#+$ ## #/++$- )+#(
,!& 1 )-$ # !$ % )%$%%+)$ )#*$&& 1- ) # #& )% )#
## #3#$ )& !# )#$/)$%4CAA5BCB3?==B #*$%+++1#)$#1 1
$1
%$#+%%#")#$$&%)& $% %/*#-/# # #& %%
&$!#$ + !$# )%1%%$$ #- )0- ) !# )%/++$ #- )#
/#$$/% #%/ %# #& %%+ +)$% #$ -&-- )1-$ $% $- )#
#*#2$$ # %#&- )%$%-&1
8;1;<
8D/DDD
,) )%%%$!% - )##!#-$8=/@;;1;;1,)*) - )##$#$%#%% 8D/DDD1;;1
Consumer Action
Page 79 of 109
= ?
RushCard
%-#1-$)*%1%-((3""<."-"% $<3*$1+#6# $ #-##%-$*%* $ +"."-"% )>?6?@6
# $ #-##%-$*%."-("% )>?6?@6#0 #-##%-$*%* $ +"."-"% )>@3???6?? "% $. )3
!%(#%$1%((4>A3???6??&(#%$*%((*%(*($)()*/$(%"()4>A3???6??&(18>D3???6??&(
#%$*%((9*%9(*($)()*/$1%-(%/$()4>D3???6?? "% $. %( (*&%) *6#0 #-##%-$*
%."-("% )>@3???6?? "% $. )3!%(#%$1%((4>A3???6??&(#%$*%((*%(*($)()
*/$(%"()4>A3???6??&(18>D3???6??&(#%$*%((9*%9(*($)()*/$1%-(%/$()4>D3???6?? "% $. %( (*&%) *6%-#1."-%("%1%-((. (*&%) *3*($)+%$(%#1%-(! $%(
). $)%-$*3(9*%9(*($)()3!3#%$1%((3%()*$1) $*% $% $*6%-$%* $ $%(#+%$
%$%/*%"%1%-((*///6(-)(6%#6%-/ "".))*%1%-(-$)**+#))& "%/6")$%**
"%)-".( )/ *&%) *#*%5 (*&%) *85#1)( .4)%5)-""1/ * $%$:@;
%-(3-*$%"*(*$*$0*-) $))14!)5E9@?1)(%#*1( .4%$1(()5&%$.( +%$%$
( .4(9*%9(($)()5 * $%$%-(%$**)& 11%-6
!$)
$!$)
$!
%
%
* )(""/**('- ()""$$ " $)+*-+%$)*%%* $3.( 13$(%( $%(#+%$** $+)
&()%$/%%&$)(%-$*6** )#$)%(1%-5$1%-%&$(%-$*3// "")!%(1%-($#3
())3*% (*3$%*( $%(#+%$**/ """"%/-)*%()%$"1 $+11%-6#1")%)!*%)1%-(( .(7)
" $)%(%*( $+1 $%-#$*)*$1+#6
! !
#%$1*%1%-(-)(1. $1%-(&1(%""%(%.($#$*$*)!&%) * (*"1*%1%-(-)(%((6
*
See: http://www.rushcard.com/whyrushcard/scheduleoffees.aspx
"$ +"%" (( ))%$*&")+) $('-)*6( )>B6FD%(*%( $"-)() $4>F6FD%(*"!
#%$3 $! #%$3-(&" #%$-)($) $)3$>@C6FD%(1*-)($
-)(
) $)6
>?("%)4 (&(*1("%)#1&&"1:-&*%>C6FD;
!& %#)+9:A;"$(#%$*9>A6D?%(/ *(/"(()*:A;4$*($+%$"9>A6D?
! %$:>B6FD(&"#$*/)" # $* $(-(1A?@A;
! ! >?
!'
! >F6FD:-)$" # *"$##()((#%$*"1%>D6FD $(%"" $ (*&%) *3%(>E6FD $%*$(%""6;
' %$:$(%""#$*%>A$ ""&1#$*%>@/(" # $* $(-(1A?@A;
" $*-(9>?49>@6??:-)$" # *"$##()((#%$*"1%>D6FD $(%"" $ (*&%) *3%(
>E6FD $%*$(%""6 )#%$*"1$+*")##()*%-$" # *$) $*-(*($)+%$)6;
$ !% >?
$' "$$'- (19>6D?4$*($+%$"9>@
$'% IA%*($)+%$
Consumer Action
Page 80 of 109
B%C
RushCard
1
! 2$4&!4$&$ %$168"$%! $&!$/>>7$!$&!$!$069""$%&& &
%
%
%
)% & $%$$! &-!6<2>< $! $&"!%&/!$6=2>< !& $!2%
! &- '&%$%&!) &
% &)$&$ %'! %2+&$+%!%&6:2<8"$)%2-%!)!
$%* !! &-2 &)$ &$ %'! %$69"$&$ %'! /+&,)!%&!698"$
! &2 -&$ %'! %$-! &$%&98+$&&!-!)$$&!!+ ! &2+&$+%
!%&692><"$)%2
! &- $%$$! &-!6>2><2! &- '&%$%&!/) &% &)$
")$%&$ %'! % :+&$+%! &2
&$ %'! %*69/ '! +&$+%
!%&6:2<8"$)%2
&%$+&&$#)$% %'&)'! %&!!& /*$-/ $!$ !$'! && '%
"$%! +!!" %$!) &2&&% %!$-!)1 -!)!" $!) &/++%!$-!)$ /
$%%/&!$&/ !&$ !$'! &&+!+)%&!$%! - '--!)2-%!%&!%-!)$$*$3%
%!$!&$ '- !) &%& -'2
http://www.rushcard.com/securityandprivacy.aspx
#
&$%&!
""!!""
!'&%
Consumer Action
Page 81 of 109
;!;
Approved Card
(Suze Orman)
!"#$%&'("$)(* *"+,-%../%.0&.
7=G;%?4%+=:5%6889;:
7=G;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
+",(-#%.),/#%"0(%+10(2310#
9:!%1F%6889;:
6889;:%>E?7;
+=:5%=@=6!=A6!6.B%C8.=.;8D
456+%6789:;5<
.H)%A"0I1,'%A"0J
4:=95%>:?.;+.6?7<
3(%4'5%6$78$9$%4'5+%:"+;%-"2%6$$<%7'2=%'+%2='7$</%'+%=-"=%2'>$'<$%-"2%=+"<2($++$;%'+%>"4%=+"<2($+%>'<$4%(+'>%
4'5+%:"+;%?,,'5<=%@8=-'5=%4'5+%A$+>8228'</%,"77%52%"=%BBBC.DEC0&&F%G;8+$,=%;8"7%8<=$+<"H'<"7%F&.CFB0C&E.IJK%
L<;$+%*"2=$+:"+;%M57$2/%4'5+%78"6878=4%('+%5<"5=-'+8N$;%*"2=$+:"+;%=+"<2",H'<2%'<%4'5+%:"+;%?,,'5<=%82%O0K00%8(%
4'5%<'H(4%52%@8=-8<%=@'%G.J%6528<$22%;"42%"<;%4'5%$P$+,82$%+$"2'<"67$%,"+$%8<%2"($#5"+;8<#%4'5+%:"+;%(+'>%7'22/%
=-$Q/%'+%5<"5=-'+8N$;%52$K%R-82%+$;5,$;%78"6878=4%;'$2%<'=%"AA74%8(%"%!3S%82%52$;%"2%=-$%>$=-';%'(%9$+8T,"H'<%('+%"%
;82A5=$;%=+"<2",H'<%'+%4'5%-"9$%+$A'+=$;%=@'%G.J%'+%>'+$%8<,8;$<=2%'(%5<"5=-'+8N$;%52$%8<%=-$%8>>$;8"=$74%
A+$,$;8<#%=@$79$%G&.J%>'<=-%A$+8';K%3(%4'5%<'H(4%52%@8=-8<%=@'%G.J%6528<$22%;"42%(+'>%"%<'<C"5=-'+8N$;%
=+"<2",H'</%4'5%,"<%7'2$%<'%>'+$%=-"<%OD0K00%8(%2'>$'<$%52$;%4'5+%:"+;%@8=-'5=%4'5+%A$+>8228'<K%3(%4'5%;'%<'=%
<'H(4%52%@8=-8<%=@'%G.J%6528<$22%;"42%"Q$+%4'5%7$"+<%'(%=-$%7'22%'+%=-$Q%'(%4'5+%:"+;%"<;%@$%,"<%A+'9$%=-"=%@$%
,'57;%-"9$%2='AA$;%2'>$'<$%(+'>%528<#%4'5+%:"+;%@8=-'5=%4'5+%A$+>8228'<%8(%4'5%-";%A+'>A=74%<'HT$;%52/%4'5%
,'57;%7'2$%"2%>5,-%"2%OD00K00K
Approved Prepaid MasterCard (Suze Orman)
http://theapprovedcard.com/
http://theapprovedcard.com/moreinfo/agreement/
-ZA[UU@@@K=-$6"<,'+AK,'>U
BBBC.DEC0&&F
All 50 states
1$2
?72'/%8(%4'5%6$,'>$%"@"+$%'(%"<;U'+%4'5+%2="=$>$<=%2-'@2%=+"<2",H'<2%=-"=%4'5%;8;%<'=%>"V$/%<'H(4%52%"=%'<,$%
('77'@8<#%=-$%A+',$;5+$%8<;8,"=$;%8<%=-$%WX++'+%M$2'75H'<%S'H,$W%2$,H'<K%3(%4'5%;'%<'=%<'H(4%52%8<%@+8H<#%
@8=-8<%28P=4%GY0J%;"42%"Q$+%4'5%6$,'>$%"@"+$%'(%=-$%=+"<2",H'<%"<;U'+%"Q$+%=-$%2="=$>$<=%@"2%>";$%"9"87"67$%
='%4'5/%4'5%>"4%<'=%#$=%6",V%"<4%9"75$%4'5%7'2=%"Q$+%=-$%28P=4%GY0J%;"42%8(%@$%,"<%A+'9$%=-"=%@$%,'57;%-"9$%
2='AA$;%2'>$'<$%(+'>%="V8<#%=-$%9"75$%8(%4'5%-";%<'HT$;%52%8<%H>$%"<;%4'5%"+$%#+'2274%<$#78#$<=%'+%(+"5;57$<=%
8<%=-$%-"<;78<#%'(%4'5+%:"+;K%3(%4'5+%:"+;%-"2%6$$<%7'2=%'+%2='7$</%@$%@877%,7'2$%4'5+%:"+;%?,,'5<=%='%V$$A%7'22$2%
;'@<K
Consumer Action
Page 82 of 109
!"#$%&%'(%)
Approved Card
(Suze Orman)
;::?:%:;8?!9.6?7<
3<%,"2$%'(%$++'+2%'+%_5$2H'<2%"6'5=%4'5+%:"+;%?,,'5<=/%=$7$A-'<$%52%"=%BBBC.DEC0&&F%G;8+$,=%;8"7%8<=$+<"H'<"7%
F&.CFB0C&E.IJ%'+%@+8=$%52%"=%R-$%?AA+'9$;%:"+;/%!K]K%b'P%&&&/%!+$2_5$%327$/%*"8<$%0)IYEC0&&&%"2%2''<%"2%4'5%
,"<K%`$%>52=%"77'@%4'5%='%+$A'+=%"<%$++'+%5<H7%28P=4%GY0J%;"42%"Q$+%=-$%$"+78$+%'(%=-$%;"=$%4'5%$7$,=+'<8,"774%
",,$22%4'5+%:"+;%?,,'5<=/%8(%=-$%$++'+%,'57;%6$%98$@$;%8<%4'5+%$7$,=+'<8,%-82='+4/%'+%=-$%;"=$%@$%2$<=%=-$%c3M\R%
@+8Z$<%-82='+4%'<%@-8,-%=-$%$++'+%"AA$"+$;K%1'5%>"4%98$@%4'5+%=+"<2",H'<%-82='+4%"=%"<4%H>$%'<C78<$%'+%
+$_5$2=%"%@+8Z$<%-82='+4%'(%4'5+%=+"<2",H'<2%"=%"<4%H>$%64%,"778<#%52%"=%BBBC.DEC0&&F%G;8+$,=%;8"7%8<=$+<"H'<"7%
F&.CFB0C&E.IJ%'+%@+8H<#%52%"=%R-$%?AA+'9$;%:"+;/%!K]K%b'P%&&&/%!+$2_5$%327$/%*"8<$%0)IYEC0&&&K%1'5%@877%<$$;%
='%=$77%52[%&K%1'5+%<">$%"<;%:"+;%?,,'5<=%<5>6$+K%.K%`-4%4'5%6$78$9$%=-$+$%82%"<%$++'+/%"<;%=-$%;'77"+%">'5<=%
8<9'79$;K%FK%?AA+'P8>"=$74%@-$<%=-$%$++'+%=''V%A7",$K%3(%4'5%=$77%52%'+"774/%@$%>"4%+$_58+$%=-"=%4'5%2$<;%52%4'5+%
,'>A7"8<=%'+%_5$2H'<%8<%@+8H<#%@8=-8<%=$<%G&0J%6528<$22%;"42K%`$%@877%;$=$+>8<$%@-$=-$+%"<%$++'+%',,5++$;%
@8=-8<%=$<%G&0J%6528<$22%;"42%"Q$+%@$%-$"+%(+'>%4'5%"<;%@877%,'++$,=%"<4%$++'+%A+'>A=74K%3(%@$%<$$;%>'+$%H>$/%
-'@$9$+/%@$%>"4%="V$%5A%='%('+=4CT9$%G)DJ%;"42%='%8<9$2H#"=$%4'5+%,'>A7"8<=%'+%_5$2H'<K%3(%@$%;$,8;$%='%;'%=-82/%
@$%@877%,+$;8=%4'5+%:"+;%?,,'5<=%@8=-8<%=$<%G&0J%6528<$22%;"42%('+%=-$%">'5<=%4'5%=-8<V%82%8<%$++'+/%2'%=-"=%4'5%
@877%-"9$%=-$%>'<$4%;5+8<#%=-$%H>$%8=%="V$2%52%='%,'>A7$=$%'5+%8<9$2H#"H'<K%3(%@$%"2V%4'5%='%A5=%4'5+%,'>A7"8<=%
'+%_5$2H'<%8<%@+8H<#%"<;%4'5%;'%<'=%A+'98;$%8=%@8=-8<%=$<%G&0J%6528<$22%;"42/%@$%>"4%<'=%,+$;8=%4'5+%:"+;K%c'+%
$++'+2%8<9'798<#%<$@%:"+;2/%!]\%=+"<2",H'<2/%'+%('+$8#<C8<8H"=$;%=+"<2",H'<2/%@$%>"4%="V$%5A%='%<8<$=4%GE0J%;"42%
='%8<9$2H#"=$%4'5+%,'>A7"8<=%'+%_5$2H'<K%c'+%<$@%:"+;%?,,'5<=2/%@$%>"4%="V$%5A%='%=@$<=4%G.0J%6528<$22%;"42%
='%,+$;8=%4'5+%:"+;%?,,'5<=%('+%=-$%">'5<=%4'5%=-8<V%82%8<%$++'+K%`$%@877%=$77%4'5%=-$%+$257=2%@8=-8<%=-+$$%GFJ%
6528<$22%;"42%"Q$+%,'>A7$H<#%=-$%8<9$2H#"H'<K%3(%@$%;$,8;$%=-"=%=-$+$%@"2%<'%$++'+/%@$%@877%2$<;%4'5%"%@+8Z$<%
$PA7"<"H'<K%1'5%>"4%"2V%('+%,'A8$2%'(%=-$%;',5>$<=2%=-"=%@$%52$;%8<%'5+%8<9$2H#"H'<K%3(%4'5%<$$;%>'+$%
8<('+>"H'<%"6'5=%'5+%$++'+C+$2'75H'<%A+',$;5+$2/%,"77%52%"=%BBBC.DEC0&&F%G;8+$,=%;8"7%8<=$+<"H'<"7%F&.CFB0C
&E.IJ%'+%9828=%@@@KR-$?AA+'9$;:"+;K,'>
>),#10"L2M)(%+",(
1$2K%R-$%L\?%!?RM3]R%?,=%82%"%($;$+"7%7"@%=-"=%+$_58+$2%"77%T<"<,8"7%8<2H=5H'<2%='%'6="8</%9$+8(4/%"<;%+$,'+;%
8<('+>"H'<%=-"=%8;$<HT$2%$",-%A$+2'<%@-'%'A$<2%"%:"+;%?,,'5<=K%`-"=%=-82%>$"<2%('+%4'5[%`-$<%4'5%'A$<%"%
:"+;%?,,'5<=/%@$%@877%"2V%('+%4'5+%<">$/%";;+$22/%;"=$%'(%68+=-/%"<;%'=-$+%8<('+>"H'<%=-"=%@877%"77'@%52%='%
+$"2'<"674%8;$<H(4%4'5K%`$%>"4%"72'%"2V%='%2$$%4'5+%;+89$+a2%78,$<2$%'+%'=-$+%8;$<H(48<#%;',5>$<=2%"=%"<4%H>$K%
98;%?4%+=:5
G202/&/%!1"( O.0K00%
G"K2/&/%!1"( OE/000%
R-$%>"P8>5>%">'5<=%=-"=%,"<%6$%2A$<=%'<%4'5+%:"+;%A$+%.)C-'5+%A$+8';%82%O./000K00K%R-$%>"P8>5>%">'5<=%
=-"=%,"<%6$%2A$<=%'<%4'5+%:"+;%A$+%F0C;"4%A$+8';%82%OE/EEEK00K%\8#<"=5+$%!]\%=+"<2",H'<2/%!3S%!]\%=+"<2",H'<2/%
?R*%@8=-;+"@"72/%'9$+%=-$%,'5<=$+%,"2-%@8=-;+"@"72/%6877%A"4>$<=2%"2%@$77%"2%:"+;%='%:"+;%>'<$4%2-"+8<#%
=+"<2",H'<2%"+$%"77%8<,75;$;%8<%=-$%,"7,57"H'<%'(%=-$%F0C;"4%2A$<;%78>8=K%R-$%>"P8>5>%28<#7$%6877%A"4>$<=%82%
O./000K00K%R-$%>"P8>5>%6877%A"4>$<=%,5>57"H9$%">'5<=%A$+%=@$<=4C('5+%-'5+%A$+8';%82%O./000K00K%R-$%
>"P8>5>%6877%A"4>$<=%,5>57"H9$%">'5<=%A$+%F0C;"4%A$+8';%82%OD/000K00K%?<4%+$=5+<2%'+%+$(5<;2%A'2=$;%='%4'5+%
:"+;%@877%S]R%+$;5,$%=-$%F0C;"4%>"P8>5>%2A$<;%78>8=K%R-$%>"P8>5>%9"75$%'(%4'5+%:"+;%82%+$2=+8,=$;%='%
OE/000K00K%1'5%>"4%52$%4'5+%:"+;%='%A5+,-"2$%'+%7$"2$%#'';2%'+%2$+98,$2%@-$+$9$+%^$68=%*"2=$+:"+;/%*"$2=+'%
,"+;2/%'+%\R?M%,"+;2%"+$%",,$A=$;%"2%7'<#%"2%4'5%;'%<'=%$P,$$;%=-$%9"75$%"9"87"67$%'<%4'5+%:"+;%?,,'5<=K
Consumer Action
Page 83 of 109
!"#$%.%'(%)
Approved Card
(Suze Orman)
+=:5%:;8.:6+.6?78
R-$%>8<8>5>%">'5<=%'(%$",-%9"75$%7'";%82%O.0K00K%R-$%>"P8>5>%9"75$%'(%4'5+%:"+;%82%+$2=+8,=$;%='%
OE/000K00KR-$%>"P8>5>%">'5<=%=-"=%,"<%6$%2A$<=%'<%4'5+%:"+;%A$+%.)C-'5+%A$+8';%82%O./000K00%"<;%=-$%
>"P8>5>%">'5<=%=-"=%,"<%6$%2A$<=%'<%4'5+%:"+;%A$+%F0C;"4%A$+8';%82%OE/EEEK00K1'5%,"<%>"V$%5A%='%('5+%G)J%
;'>$2H,%?R*%,"2-%@8=-;+"@"72%8<%"%.)C-'5+%A$+8';%"<;%@8=-;+"@%5A%='%OD00K00%,"2-%A$+%.)C-'5+%A$+8';%"=%
?R*2%G256f$,=%='%=-$%;"874%>"P8>5>%78>8=%2$=%64%$",-%?R*%'@<$+J%"<;%5A%='%OD/000K00%A$+%F0C;"4%A$+8';K%1'5%
,"<%>"V$%5A%='%=@'%G.J%8<=$+<"H'<"7%?R*%,"2-%@8=-;+"@"72%8<%"%.)C-'5+%A$+8';%"<;%@8=-;+"@%5A%='%OD00K00%,"2-%
A$+%.)C-'5+%A$+8';%"=%?R*2%G256f$,=%='%=-$%;"874%>"P8>5>%78>8=%2$=%64%$",-%?R*%'@<$+J%"<;%5A%='%OD/000K00%A$+%
F0C;"4%A$+8';K
:)L1"(%>,1I)##
^8+$,=%^$A'28=/%b"<V%?,,'5<=%R+"<2($+e%?;;%:"2-%"=%M$="87%d',"H'<2[%*'<$4g+">%XPA+$22%!"4>$<=%'+%`$2=$+<%
L<8'<%"#$<=%7',"H'<%<$"+%4'5K%1'5%>"4%";;%(5<;2%='%4'5+%:"+;/%,"77$;%W9"75$%7'";8<#W/%"=%"<4%H>$K%R-$%
>8<8>5>%">'5<=%'(%=-$%8<8H"7%9"75$%7'";%('+%"77%7'";8<#%>$=-';2%82%O.0K00K%R-$%>8<8>5>%">'5<=%'(%$",-%9"75$%
+$7'";%82%O.0K00K%R-$%>"P8>5>%">'5<=%'(%=-$%8<8H"7%9"75$%7'";%"<;%$",-%9"75$%+$7'";%;$A$<;2%'<%=-$%7'";%
2'5+,$K%!$+2'<"7%,-$,V2/%,"2-8$+2%,-$,V2/%"<;%>'<$4%'+;$+2%2$<=%='%=-$%3225$+%"+$%<'=%"<%",,$A="67$%('+>%'(%
7'";8<#K%?77%,-$,V2%"<;%>'<$4%'+;$+2%2$<=%='%=-$%3225$+%('+%:"+;%7'";8<#%@877%6$%+$=5+<$;%5<7$22%=-$%(577%">'5<=%
>"4%6$%"AA78$;%='@"+;2%"%<$#"H9$%6"7"<,$/%8<%@-8,-%,"2$%=-$%,-$,V%'+%>'<$4%'+;$+%>"4%'+%>"4%<'=%6$%7'";$;%
='%=-$%:"+;%"=%=-$%;82,+$H'<%'(%=-$%3225$+K%
+,)(2$%IH)IJ%,)T&2,)(<
A"0J%"II1&0$%,)T&2,)(<
:)T&2,)/)0$#
S'
S'
&B%4$"+2%'+%'7;$+%('+%A+8>"+4%,"+;%-'7;$+/%&F4$"+2%('+%2$,'<;"+4%,"+;%-'7;$+K%S">$/%^]b/%\',8"7%\$,5+8=4%@877%6$%
52$;%('+%9"+8T,"H'<K
52,)I$%5)'1#2$
4;;8*
1$2%C%(+$$K%R-$%>"P8>5>%<5>6$+%'(%H>$2%4'5%,"<%7'";%4'5+%:"+;%@8=-%^8+$,=%^$A'28=%A$+%.)C-'5+%A$+8';%82%=-+$$%
http://theapprovedcard.com/fees/
6023"L%>&,IH"#)S=I3N"310 OF%,"+;%A5+,-"2$%($$
:)L1"( O0%+$7'";2e%R-8+;%A"+=4%+$7'";%($$2%>"4%"AA74%G5A%='%O)KEDJ
=.G%P2$H(,"Q"L ?77A'8<=%?R*%C%O.%A$+%=+"<2",H'<%G@"89$;%('+%F0%;"42%@8=-%"%_5"78(48<#%^8+$,=%^$A'28=%'+%b"<V%R+"<2($+%'(%O.0K00%
'+%>'+$Je%@@@K"77A'8<=<$=@'+VK,'>e%S'<C?77A'8<=%?R*%C%O.K00%A$+%@8=-;+"@"7%A752%"<4%($$2%,-"+#$;%64%=-$%?R*%
'@<$+%'+%'A$+"='+e%3<=$+<"H'<"7%?R*%C%O.%A$+%=+"<2",H'<
5)IL20)%4))# ^'>$2H,%"<;%8<=$+<"H'<"7%C%O&K00%A$+%=+"<2",H'<%G@"89$;%('+%F0%;"42%@8=-%"%_5"78(48<#%^8+$,=%^$A'28=%'(%O.0%'+%
>'+$%'+%b"<V%R+"<2($+J%A752%"<4%($$2%,-"+#$;%64%=-$%?R*%'@<$+%'+%'A$+"='+%%%
!1#$R%8$1L)0%1,%=((2310"L%+",(%O0%('+%";;8H'<"7%,"+;
52,)I$%5)'1#2$ O0K00%
G10$HLO%G"20$)0"0I)%4)) OFK00%A$+%>'<=-e%=-$%T+2=%>'<=-a2%($$%82%@"89$;
A2LL%>"O X7$,=+'<8,%C%O0e%:-$,V%,'A4%C%O.0%A$+%=+"<2",H'<e%:-$,V%+$C8225$%C%O&D%A$+%=+"<2",H'<e%!"4>$<=%8<_58+4%C%OF0%A$+%
=+"<2",H'<e%!'2="7%+$f$,=%C%O.D%A$+%=+"<2",H'<
.,"0#"I310 O0%('+%!3S%"<;%\8#<"=5+$%=+"<2",H'<2%G;'>$2H,%"<;%8<=$+<"H'<"7J
+&#$1/),%8),N2I) d89$%?#$<=%C%]<$%cMXX%,"77%A$+%,"7$<;"+%>'<=-e%O.K00%A$+%,"77%=-$+$"Q$+e%]<78<$%",,'5<=%",,$22%C%O0
Consumer Action
Page 84 of 109
!"#$%F%'(%)
Approved Card
(Suze Orman)
A"L"0I)%60T&2,O% ?R*%b"7"<,$%3<_58+4%C%O&%A$+%=+"<2",H'<%G@"9$;%('+%F0%;"42%@8=-%"%_5"78(48<#%^8+$,=%^$A'28=%'(%O.0%'+%>'+$%'+%
b"<V%R+"<2($+J%A752%"<4%($$2%,-"+#$;%64%=-$%?R*%'@<$+%'+%'A$+"='+e%3<=$+<"H'<"7%?R*%b"7"<,$%3<_58+4%C%O&%A$+%
=+"<2",H'<
0j
41,)2U0%+&,,)0IO%+10N),#210%4))
?$H), !"A$+%2="=$>$<=%C%O.%A$+%2="=$>$<=
G=7=V67V%B?9:%+=:5%?7!67;
E?P%.?%=@?65%4;;8
+?7465;7.6=!6.B
>:6@=+B%7?.6+;
?$H),%60F1
Consumer Action
Page 85 of 109
S'
1$2
L2$%;8+$,=%;$A'28=%"<;%6"<V%=+"<2($+2%='%7'";%4'5+%A+$A"8;%,"+;%"<;%"9'8;%=-8+;%A"+=4%7'";%($$2e%:-$,V%4'5+%
6"7"<,$%'<78<$%='%"9'8;%?R*%6"7"<,$%8<_58+4%"<;%,52='>$+%2$+98,$%($$2K
`$%>"4%;82,7'2$%8<('+>"H'<%='%=-8+;%A"+H$2%"6'5=%4'5+%:"+;%'+%=-$%=+"<2",H'<2%4'5%>"V$[%h%%`-$+$%8=%82%
<$,$22"+4%'+%-$7A(57%('+%,'>A7$H<#%=+"<2",H'<2%'+%A+'98;8<#%4'5%"%+$_5$2=$;%2$+98,$%'+%A+';5,=e%h%%3<%'+;$+%='%
9$+8(4%=-$%$P82=$<,$%"<;%,'<;8H'<%'(%4'5+%:"+;%('+%"%=-8+;%A"+=4/%25,-%"2%>$+,-"<=e%h%3<%'+;$+%='%,'>A74%@8=-%
#'9$+<>$<=%"#$<,4/%,'5+=%'+;$+/%'+%'=-$+%7$#"7%+$A'+H<#%+$_58+$>$<=2e%h%%3(%4'5%#89$%52%4'5+%@+8Z$<%A$+>8228'<e%
h%R'%A+'98;$%4'5%@8=-%8<('+>"H'<%'<%'=-$+%2$+98,$2%"<;%A+';5,=2%=-"=%@$%=-8<V%>"4%6$%'(%8<=$+$2=%='%4'5e%h%R'%
'5+%$>A7'4$$2/%"5;8='+2/%"i78"=$2/%2$+98,$%A+'98;$+2/%'+%"Z'+<$42%"2%<$$;$;e%"<;%8<%,'<<$,H'<%@8=-%"%A+'A'2$;%
'+%",=5"7%2"7$/%>$+#$+/%=+"<2($+%'+%$P,-"<#$%'(%"77%'+%"%A'+H'<%'(%"%6528<$22%'+%'A$+"H<#%5<8=%8(%=-$%;82,7'25+$%'+%
A$+2'<"774%8;$<HT"67$%8<('+>"H'<%,'<,$+<2%2'7$74%,'<25>$+2%'(%25,-%6528<$22%'+%5<8=K
http://theapprovedcard.com/moreinfo/privacypolicy/
R+",V8<#%C%X9$+4%H>$%4'5%-"9$%"%=+"<2",H'<%@$a77%2$<;%4'5%"%=$P=K%`$%,"<%"72'%2$<;%4'5+%",,'5<=%6"7"<,$%$9$+4%
;"4K%?<;%4'5%,"<%2$$%"77%'(%4'5+%=+"<2",H'<2%'<78<$%"=%@@@KR-$?AA+'9$;:"+;K,'>%'+%#$=%=-$>%64%,"778<#%'5+%
"5='>"=$;%=$7$A-'<$%242=$>K%?77A'8<=%?R*%<$=@'+V[%@@@K"77A'8<=<$=@'+VK,'>U
!"#$%)%'(%)
Univision MasterCard
Prepaid Card
!"#$%&'("$)(* *"+,-%../%.0&.
57;1%92%47,3%/00+1,
57;1%92%47,3
+,!%09+,41%92%47,3%/529
4"=(>-?()=%7@=))A)B$C:)=A#%"B(%4-B(DE-B#
!"#$%&'()*+,$%&'(
Univision MasterCard Prepaid Card
http://www.univisiontarjeta.com/en/
http://www.univisiontarjeta.com/en/cardholder-agreement/
+,!%-.%/00+1,
http://www.univisiontarjeta.com/
/00+1,%8<951
47,3%7F7/!7G/!/:H%I0:7:10J
122311435511
23/4%/50+,136
2,7+3%8,9:14:/956
Yes
Contact us at once if you believe your Card has been lost or stolen. Telephoning is the
best way to minimize your possible losses. If you believe your Card has been lost or
stolen, or that someone has transferred or may transfer money from your Card
Account without your permission, call us at 877-883-6688 (direct dial international
904-425-9077). Under MasterCard Rules, your liability for unauthorized MasterCard
transactions on your Card Account is $0.00 if you notify us within two (2) business
days and you exercise reasonable care in safeguarding your Card from loss, theft, or
unauthorized use. This reduced liability does not apply if a PIN is used as the method
of verification for a disputed transaction or you have reported two (2) or more
incidents of unauthorized use in the immediately preceding twelve (12) month period.
If you notify us within two (2) business days from a non-authorized transaction, you
can lose no more than $50.00 if someone used your Card without your permission. If
you do not notify us within two (2) business days after you learn of the loss or theft of
your Card and we can prove that we could have stopped someone from using your
Card without your permission if you had promptly notified us, you could lose as much
as $500.00. Also, if you become aware of and/or your statement shows transactions
that you did not make, notify us at once following the procedure indicated in the
"Error Resolution Notice" section. If you do not notify us in writing within sixty (60)
days after you become aware of the transaction and/or after the statement was made
available to you, you may not get back any value you lost after the sixty (60) days if
we can prove that we could have stopped someone from taking the value if you had
notified us in time and you are grossly negligent or fraudulent in the handling of your
Card. If your Card has been lost or stolen, we will close your Card Account to keep
losses down.
Consumer Action
Page 86 of 109
All 50
!"#$%&%'(%)
Prepaid Card
1,,9,%,109!+:/956
In case of errors or questions about your Card Account, telephone us at 877-8836688 (direct dial international 904-425-9077), write us at Univision MasterCard
Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111 or email us at
servicio@univisionprepagada.com as soon as you can, if you think an error has
occurred in your Card Account. We must allow you to report an error until sixty (60)
days after the earlier of the date you electronically access your Card Account, if the
error could be viewed in your electronic history, or the date we sent the FIRST written
history on which the error appeared. You may view your transaction history at any
time on-line or request a written history of your transactions at any time by calling us
at 877-883-6688 (direct dial international 904-425-9077) or writing us at Univision
MasterCard Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111.
You will need to tell us, Your name and Card Account number, Why you believe there
is an error, and the dollar amount involved, Approximately when the error took place.
If you tell us orally, we may require that you send us your complaint or question in
writing within ten (10) business days. We will determine whether an error occurred
within ten (10) business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to forty-five (45) days to
investigate your complaint or question. If we decide to do this, we will credit your
Card Account within ten (10) business days for the amount you think is in error, so
that you will have the money during the time it takes us to complete our
investigation. If we ask you to put your complaint or question in writing and you do
not provide it within ten (10) business days, we may not credit your Card. For errors
involving new Cards, POS transactions, or foreign-initiated transactions, we may take
up to ninety (90) days to investigate your complaint or question. For new Card
Accounts, we may take up to twenty (20) business days to credit your Card Account
for the amount you think is in error. We will tell you the results within three (3)
business days after completing the investigation. If we decide that there was no error,
we will send you a written explanation. You may ask for copies of the documents that
we used in our investigation. If you need more information about our error-resolution
procedures, call us at 877-883-6688 (direct dial international 904-425-9077) or visit
www.univisiontarjeta.com
8)=#-B"?DK)(%4"=(
+01%92%47,3
Consumer Action
Page 87 of 109
;DBDA&A%!-"( $20.00
;"LDA&A%G"?"BM) FG/000%
*"6$%78+,-"9$9%":%;<==<'>9%'(%7=",$9/%?-$+$@$+%A$B<:%*"9:$+C"+D%<9%",,$7:$D%E%?'+=D?<D$
!"#$%.%'(%)
Prepaid Card
47,3%,10:,/4:/950
I-$%;"J<;8;%";'8>:%:-":%,">%B$%97$>:%'>%K'8+%C"+D%7$+%.L3-'8+%7$+<'D%<9%F4/000M00%">D%
:-$%;"J<;8;%";'8>:%:-":%,">%B$%97$>:%'>%K'8+%,"+D%7$+%403D"K%7$+<'D%<9%F&)/000M00M
N'8%,">%;"6$%87%:'%('8+%OLP%D';$9Q,%RI*%,"9-%?<:-D+"?"=9%<>%"%.L%-'8+%7$+<'D%">D%
?<:-D+"?%87%:'%F)00M00%,"9-%7$+%.L3-'8+%7$+<'D%":%RI*9%O98BS$,:%:'%:-$%D"<=K%;"J<;8;%
=<;<:%9$:%BK%$",-%RI*%'?>$+P%">D%87%:'%F)/000M00%7$+%40%D"K%7$+<'DM%N'8%,">%;"6$%87%:'%
:?'%O.P%<>:$+>"Q'>"=%RI*%,"9-%?<:-D+"?"=9%<>%"%.L%-'8+%7$+<'D%">D%?<:-D+"?%87%:'%
F)00M00%,"9-%7$+%.L3-'8+%7$+<'D%":%RI*9%O98BS$,:%:'%:-$%D"<=K%;"J<;8;%=<;<:%9$:%BK%$",-%
RI*%'?>$+P%">D%87%:'%F)/000M00%7$+%40%D"K%7$+<'DM%I-$%;"J<;8;%,8;8="Q@$%";'8>:%
:-":%;"K%B$%?<:-D+"?>%(+';%"%!TU%D$@<,$%<9%F)/000M00M%I-$%;"J<;8;%,8;8="Q@$%";'8>:%
:-":%;"K%B$%?<:-D+"?>%(+';%"%7"+Q,<7"Q>#%B">6%O'@$+%:-$%,'8>:$+%?<:-D+"?"=P%7$+%.L3
-'8+%7$+<'D%<9%F&/000M00M%R>K%(8>D9%?<:-D+"?>%(+';%">%RI*/%!TU%D$@<,$%'+%B">6/%"9%?$==%
"9%">K%($$9%,-"+#$D/%?<==%B$%98BS$,:%:'%:-$%;"J<;8;%";'8>:%:-":%,">%B$%97$>:%'>%K'8+%
C"+D%7$+%.L3-'8+%7$+<'D%">DV'+%403D"K%7$+<'DM%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
N'8%;"K%+$W8$9:%">%"DD<Q'>"=%C"+D%('+%">':-$+%7$+9'>/%?<:-%?-';%K'8%,">%9-"+$%"==%'+%"%
7'+Q'>%'(%K'8+%;'>$KM%I-$%;"J<;8;%>8;B$+%'(%"DD<Q'>"=%C"+D9%7$+;<X$D%<9%:?'%O.PM%
,)?-"(%8=-M)##
I-$%;<><;8;%";'8>:%'(%$",-%@"=8$%+$='"D%<9%F.0M00M%I-$%;"J<;8;%";'8>:%'(%:-$%<><Q"=%
@"=8$%='"D%">D%$",-%@"=8$%+$='"D%D$7$>D9%'>%:-$%='"D%9'8+,$M%!$+9'>"=%,-$,69/%,"9-<$+9%
,-$,69/%">D%;'>$K%'+D$+9%9$>:%:'%:-$%Y998$+%"+$%>':%">%",,$7:"B=$%('+;%'(%
='"D<>#MZ'=='?<>#%"+$%@"=8$%='"D%=<;<:9%BK%(8>D<>#%9'8+,$[
CRU\[%N'8%;"K%"DD%@"=8$%'+%='"D%K'8+%C"+D%89<>#%,"9-%":%"%+$:"<=%9:'+$%:-":%9877'+:9%
]$9:$+>%^><'>/%*'>$K_+";%`J7+$99%!"K;$>:%'+%:-$%*"9:$+C"+D%+$!'?$+a%='"D%>$:?'+6%
O9877'+:$D%BK%_+$$>%A':%*'>$K!"6aM%I-$%;"J<;8;%>8;B$+%'(%Q;$9%K'8%;"K%='"D%K'8+%
C"+D%?<:-%,"9-%<9%:$>%O&0P%Q;$9%<>%">K%403D"K%7$+<'DM%I-$%;"J<;8;%";'8>:%K'8%,">%='"D%
<9%FG)0M00%7$+%:+">9",Q'>/%">D%FG/)00M00%<>%">K%403D"K%7$+<'DM
AYb`CI%A`!TUYI
CRbA%IT%CRbA%*TH`N%U\RbYH_[%I-$%;"J<;8;%";'8>:%K'8%,">%9-"+$%'+%='"D%89<>#%C"+D3
:'3C"+D%*'>$K%U-"+<>#%<9%F)00M00%7$+%.L3-'8+%7$+<'D%">DV'+%F&/)00M00%7$+%403D"K%7$+<'DM%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%
N'8%?<==%-"@$%",,$99%:'%K'8+%(8>D9%"9%('=='?9[%Z'+%,"9-%='"D9%":%"%+$:"<=%9:'+$[%?<:-<>%:-<+:K%
O40P%:'%9<J:K%O50P%;<>8:$9c%Z'+%A<+$,:%A$7'9<:[%'>%7"KD"K%'+%:-$%D":$%'(%:-$%D$7'9<:%BK%G[00%
";%`"9:$+>%I<;$M%Z'+%C"+D3:'3C"+D%*'>$K%U-"+<>#[%?<:-<>%d@$%O)P%;<>8:$9%'(%:-$%+$W8$9:M
4=)(D$%M>)MN%=)O&D=)(6
G"BN%"MM-&B$%=)O&D=)(6
Consumer Action
Page 88 of 109
H'
H'
!"#$%4%'(%)
Prepaid Card
]-$>%K'8%'7$>%"%,"+D%",,'8>:/%K'8%?<==%B$%"96$D%('+%K'8+%>";$/%"DD+$99/%D":$%'(%B<+:-/%
">D%':-$+%<>('+;"Q'>%:-":%?<==%<D$>Q(K%K'8M%N'8%;"K%"=9'%B$%"96$D%:'%7+'@<D$%"%D+<@$+9%
=<,$>9$%'+%':-$+%<D$>Q(K<>#%D',8;$>:M%*89:%B$%&1%K$"+9%'=DM
N$9
,)O&D=)A)B$#
3D=)M$%3)'-#D$
-X7[VV???M8><@<9<'>:"+S$:"M,';V$>V,=$"+3">D37+$D<,:"B=$3($$9Vh9"@$
/BDE"?%8&=M>"#)C0)$%+' F0%
,)?-"( F0%+$='"D9c%I-<+D%7"+:K%+$='"D%($$9%;"K%"77=K%O87%:'%FLMG)P
2110*
7:;%4"#>%TD$>(="T"?% F0%<>%>$:?'+6%RI*/%F&MG)%7$+%:+">9",Q'>%('+%'8:%'(%>$:?'+6%RI*9
0)M-B(%4"=(%-=%,)'?"M)A)B$%4"=( FGMG)%,"+D%+$7=",$;$>:
3D=)M$%3)'-#D$ F0M00%
;-B$>?R%;"DB$)B"BM)%2)) FGMG)
:="B#"ME-B# F0%
4&#$-A)=%0)=SDM) F0%3%.LV2%g<=<>#8"=%C89:';$+%U$+@<,$
G"?"BM)%/BO&D=R% F0%U*U%">D%$;"<=%"=$+:9%">D%'>=<>$%",,$99
2-=)D@B%4&==)BMR%4-BS)=#D-B%2)) .f%7$+%:+">9",Q'>
9$>)=
;757Q/5Q%H9+,%47,3%95!/51
T>=<>$%",,'8>:%:'%='"D/%,-$,6%B"=">,$/%">D%9$>D%>'Qd,"Q'>9M
H'
N$9
<9P%:9%7F9/3%2110
I'%"@'<D%RI*%($$9%8Q=<e$%<>3>$:?'+6%RI*9%">D%89$%!YH%:+">9",Q'>9%:'%+$,$<@$%,"9-%B",6c%
"@'<D%:-<+D%7"+:K%,"9-%+$='"D%($$9%BK%89<>#%D<+$,:%D$7'9<:%:'%='"D%(8>D9%'>:'%K'8+%,"+D
Consumer Action
Page 89 of 109
!"#$%L%'(%)
Prepaid Card
4952/315:/7!/:H
Y998$+%;"K%D<9,='9$%<>('+;"Q'>%:'%^><@<9<'>%Z<>">,<"=%*"+6$Q>#/%Y>,M%Oi^Z*iP%">D%':-$+%
:-<+D%7"+Q$9%"B'8:%K'8+%C"+D%'+%:-$%:+">9",Q'>9%K'8%;"6$[%&M%]-$+$%<:%<9%>$,$99"+K%'+%
-$=7(8=%('+%,';7=$Q>#%:+">9",Q'>9%'+%7+'@<D<>#%K'8%"%+$W8$9:$D%9$+@<,$%'+%7+'D8,:c%.M%Y>%
'+D$+%:'%@$+<(K%:-$%$J<9:$>,$%">D%,'>D<Q'>%'(%K'8+%C"+D%('+%"%:-<+D%7"+:K/%98,-%"9%
;$+,-">:c%4M%Y>%'+D$+%:'%,';7=K%?<:-%#'@$+>;$>:%"#$>,K/%,'8+:%'+D$+/%'+%':-$+%=$#"=%
+$7'+Q>#%+$W8<+$;$>:9c%LM%Y(%K'8%#<@$%89%K'8+%?+<X$>%7$+;<99<'>c%)M%:'%7+'@<D$%K'8%?<:-%
<>('+;"Q'>%'>%':-$+%9$+@<,$9%">D%7+'D8,:9%:-":%?$%:-<>6%;"K%B$%'(%<>:$+$9:%:'%K'8c%5M%I'%
'8+%$;7='K$$9/%"8D<:'+9/%"j=<":$9/%9$+@<,$%7+'@<D$+9/%'+%"X'+>$K9%"9%>$$D$Dc%2M%I'%
^><@<9<'>%C';;8><,"Q'>9%Y>,M/%"%*$;B$+%U$+@<,$%!+'@<D$+%Oi*U!iP%78+98">:%:'%">%
"#+$$;$>:%?<:-%:-$%Y998$+c%1M%Y>%,'>>$,Q'>%?<:-%"%7+'7'9$D%'+%",:8"=%9"=$/%;$+#$+/%
:+">9($+%'+%$J,-">#$%'(%"==%'+%"%7'+Q'>%'(%"%B89<>$99%'+%'7$+"Q>#%8><:%<(%:-$%D<9,='98+$%'+%
7$+9'>"==K%<D$>Qd"B=$%<>('+;"Q'>%,'>,$+>9%9'=$=K%,'>98;$+9%'(%98,-%B89<>$99%'+%8><:c%GM%
I'%^Z*%?-<,-%<9%'k$+<>#%:-$%C"+D%8>D$+%"%S'<>:%;"+6$Q>#%"#+$$;$>:%?<:-%:-$%Y998$+c%
78+98">:%:'%?-<,-%^Z*%;"K%89$%">D%D<9,='9$%:-$%<>('+;"Q'>%<>%",,'+D">,$%?<:-%:-$%
7+'@<9<'>9%<>%:-<9%9$,Q'>M
8,/F74H%59:/41
http://www.univisiontarjeta.com/en/privacy-policy/
Consumer Action
Page 90 of 109
!"#$%)%'(%)
Walmart MoneyCard Mastercard and Visa
!"#$%&'("$)(**"+,-%../%.0&.
/5I3%7+%.52,%-00132
/5I3%7+%.52,
H3%I@D)J%:"DK
12!%0712.3%7+%-/+7
https://www.walmartmoneycard.com/walmart
.">(?@A()>%5B>))C)D$E8)>C#%"D(%
.@D(FG@D#
https://www.walmartmoneycard.com/walmart/cardholder-agreement
-00132%6L7/3
122345236041%78(%9':%;'%<'=%-">$%"%,"+;%?+$@@%.%='%+$?'+=%,"+;%@='A$</%?+$@@%0%:<BA%,'<<$,=$;%C8=-%
A8>$%+$?+$@$<="B>$D
.52,%595-!5:-!-8;%<085830=
+,-.%-/0123,4
Not available to purchase the card in Walmart in NY, NJ, RI
Yes
+251,%62783.8-7/4
Tell us AT ONCE if you believe your Walmart MoneyCard or PIN has been lost or stolen.
Calling is the best way of notifying us. You will not lose any part of the money on your
Walmart MoneyCard based on unauthorized use if you have exercised reasonable care in
safeguarding your card and PIN from risk of loss or theft. However, if these conditions are
NOT met, you could lose the lesser of $50 or the amount of unauthorized use from your
Walmart MoneyCard before you notify us that your card has been lost or stolen. If you
believe your Walmart MoneyCard or PIN has been lost or stolen, report it online at
walmartmoneycard.com or call (877) 937-4098, or write to Our Mail Address.
Consumer Action
Page 91 of 109
!"#$%&%'(%)
32272%2307!18-7/4
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR WALMART MONEYCARD: Call us at (877)
937-4098 or write to us at Our Mail Address as soon as you can if you think an error has
occurred on your Walmart MoneyCard. We must allow you to report an error until 60 days
after the earlier of the date you electronically access your Walmart MoneyCard, if the error
could be viewed in your electronic history, or the date we sent the FIRST written history on
which the error appeared. You may request a written history of your transactions and reloads
at any time by calling us at (877) 937-4098 or writing us at Our Mail Address. You will need
to tell us: 1. Your name and Walmart MoneyCard number. 2. Why you believe there is an
error, and the dollar amount involved. 3. Approximately when the error took place. If you tell
us verbally, we may require that you send us your complaint or question in writing within 10
business days. We will determine whether an error occurred within 10 business days after we
hear from you and will correct any error promptly. If we need more time, however, we may
take up to 45 days to investigate your complaint or question. If we decide to do this, we will
credit your Walmart MoneyCard within 10 business day for the amount you think is in error,
so that you will have the use of the money during the time it takes us to complete our
investigation. If we ask you to put your complaint or question in writing and we do not
receive it within 10 business days, we may not credit your Walmart MoneyCard. For errors
involving new customers, point-of-sale, or foreign-initiated transactions, loads, or reloads, we
may take up to 90 days to investigate your complaint or question. For new customers, we
may take up to 20 business days to credit your Walmart MoneyCard for the amount you think
is in error. We will tell you the results within three business days after completing our
investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation. If you need more
information about our error-resolution procedures, call us at (877) 937-4098 or visit
walmartmoneycard.com.
83I67252;%.52,
You do not have to apply for a personalized card to receive a Tempoarary Card. The initial
load to a Temporary Card may be made only at a participating Walmart store through the
Green Dot Financial Network. There is an initial minimum load of $20. Once approved, a
Temporary Card is reloadable only by direct deposit, bank transfer, and MoneyPak only after
you have activated the Temporary Card and we have verified your identity. You must activate
the Temporary Card and choose a Personal Identification Number (“PIN”), either by going
online to walmartmoneycard.com or by calling toll-free (877) 965-7848. You must have both
your Temporary Card and receipt with you when you call to activate or for any refunds. After
you activate your Temporary Card and your identity has been verified, you will receive a
Personalized Card in the mail. If unable to verify your identity, you will not receive a
Personalized Card and your Temporary Card will not be reloadable. You will receive the
amount loaded on the Temporary Card and any fees you paid or be allowed to use the
Temporary Card until the balance on the card is zero.
IFDFC&C%!@"( There is an initial minimum load of $20
I"MFC&C%:"A"DN) E%F"G8F:F%'(%H)00%7'+%H&/)00%8(%9':%+$,$8>$;%=-$%I$F?'+"+9%J"+;%C-$<%9':%,"@-$;%"%,-$,K%"=%
L"AF"+=D
Consumer Action
Page 92 of 109
!"#$%.%'(%)
L@P%$@%2)A@"( L8=-%,"@-%'+%"%!UW3M"@$;%;$M8=%,"+;%"=%"<9%?"+B,8?"B<#%L"AF"+=%@='+$%8<%=-$%[<8=$;%T="=$@Z%\9%
,"@-8<#%"%?"9+'AA%,-$,K%(+'F%9':+%$F?A'9$+%'+%"%#'>$+<F$<=38@@:$;%,-$,K%"=%"%L"AF"+=%@='+$%8<%
=-$%[<8=$;%T="=$@%"<;%"@K8<#%=-$%@='+$%"@@',8"=$%='%A'";%=-$%>"A:$%='%9':+%L"AF"+=%*'<$9J"+;Z%E=%
+$="8A%A',"B'<@%78<,A:;8<#%?"+B,8?"B<#%L"AF"+=%@='+$@D%=-"=%?"+B,8?"=$%8<%=-$%]+$$<%V'=%O8<"<,8"A%
W$=C'+KZ%"<;/%\9%;8+$,=%;$?'@8=%(+'F%9':+%$F?A'9$+%'(%9':+%@"A"+9%'+%C"#$@N%X':%F"9%+$A'";%
";;8B'<"A%"F':<=@%'<='%9':+%I$F?'+"+9%J"+;%"^$+%C$%-">$%>$+8_$;%9':+%8;$<B=9Y%\9%?:+,-"@8<#%
"%*'<$9!"KZ%M9%;8+$,=%;$?'@8=%(+'F%9':+%$F?A'9$+%'(%9':+%@"A"+9%'+%C"#$@Z%M9%";;8<#%F'<$9%
(+'F%"%M"<K%'+%'=-$+%_<"<,8"A%8<@B=:B'<%=-+':#-%"<%$A$,=+'<8,%F'<$9%=+"<@($+N%!A$"@$%,'<=",=%
9':+%M"<K%('+%8<@=+:,B'<@%"<;%"<9%"??A8,"MA$%($$@N
6)>#@D"AFO)(%.">(
IFDFC&C%!@"( Excluding direct deposits from your employer, the minimum amount that may be loaded to a
Walmart MoneyCard in a single reload is $20
I"MFC&C%:"A"DN) I-$%F"G8F:F%"F':<=%=-"=%F"9%M$%A'";$;%='%"%L"AF"+=%*'<$9J"+;%8<%"%@8<#A$%+$A'";%8@%H&/&00%
7'+%H./444%8(%9':%A'";%=-$%?+',$$;@%(+'F%"%,-$,K%,"@-$;%"=%L"AF"+=DN%I-$%F"G8F:F%"F':<=%=-"=%
F"9%M$%A'";$;%='%"%L"AF"+=%*'<$9J"+;%'<%"%;"9%8@%H5/000N%U<%<'%$>$<=%F"9%=-$%M"A"<,$%'(%"<9%
L"AF"+=%*'<$9J"+;%$G,$$;%H5/000N%
103%7+%.52,
U(%9':+%J"+;%-"@%"%`8@"%A'#'/%='%F"K$%?:+,-"@$@%$>$+9C-$+$%`8@"%;$M8=%,"+;@%"+$%",,$?=$;%'+%8(%
9':+%J"+;%-"@%"%*"@=$+J"+;%A'#'/%='%F"K$%?:+,-"@$@%$>$+9C-$+$%*"@=$+J"+;%;$M8=%,"+;@%"+$%
",,$?=$;%79':+%!$+@'<"A8S$;%J"+;%,"<%M$%:@$;%C'+A;C8;$/%M:=%9':+%I$F?'+"+9%J"+;%,"<<'=%M$%
:@$;%('+%=+"<@",B'<@%':=@8;$%'(%=-$%[<8=$;%T="=$@%"<;%F$+,-"<=@%C8=-':=%"%@C8?$%=$+F8<"A%,"<<'=%
-'<'+%9':+%I$F?'+"+9%J"+;DN%
.52,%23082-.8-7/0
X':%F"9%<'=%:@$%9':+%L"AF"+=%*'<$9J"+;Y%7"D%='%'M="8<%F'+$%=-"<%H600%8<%,"@-%(+'F%EI*@%$",-%
;"9Z%'+%7MD%='%?:+,-"@$%F'+$%=-"<%H5/000%7'+%=-$%"F':<=%'<%9':+%J"+;/%8(%A$@@D%C'+=-%'(%#'';@%'+%
@$+>8,$@%78<,A:;8<#%"<9%,"@-%M",KD%8<%?'8<=3'(3@"A$%=+"<@",B'<@%$",-%;"9N%O'+%@$,:+8=9%+$"@'<@/%
=-$+$%F"9%M$%";;8B'<"A%A8F8=@%'<%=-$%"F':<=/%<:FM$+%'+%=9?$%'(%=+"<@",B'<@%9':%,"<%F"K$%:@8<#%
9':+%L"AF"+=%*'<$9J"+;N
2)A@"(%6>@N)##
E=%?"+B,8?"B<#%L"AF"+=%@='+$@/%9':%,"<%#'%@=+"8#-=%='%=-$%,"@-8$+%"<;%@C8?$%9':+%J"+;%='%A'";%
C8=-%,"@-%'+%9':%,"<%,"@-%"%?"9+'AA%'+%#'>$+<F$<=%,-$,K%"<;%A'";%?"+=%'+%"AA%'(%=-"=%,-$,K%'<='%
9':+%*'<$9J"+;N%H5N00%a$A'";%"<;%,-$,K%,"@-8<#%($$@%"??A9N
.>)(F$%N?)NK%>)Q&F>)(4
:"DK%"NN@&D$%>)Q&F>)(4
2)Q&F>)C)D$#
W'
W'
E<9'<$%"M'>$%=-$%"#$%'(%&1%,"<%M:9%"<;%:@$%=-8@%J"+;N%O'+%F8<'+@%M$=C$$<%=-$%"#$%'(%&P%='%&2%C$%
+$Q:8+$%?"+$<="AR#:"+;8"<%":=-'+8S"B'<%='%",B>"=$N%*8<'+@%M$=C$$<%=-$%"#$%'(%&P%='%&2%<$$;%"%
?"+$<=%'+%A$#"A%#:"+;8"<%'<%=-$%?-'<$%C8=-%=-$F%;:+8<#%=-$%",,':<=%",B>"B'<%?+',$@@%8<%'+;$+%='%
",,$?=%=-$%J"+;-'A;$+%E#+$$F$<=%'<%M$-"A(%'(%=-$%:<;$+"#$%,-8A;N%T'F$%F$+,-"<=@%C8AA%"@K%='%
@$$%=-$%UV%'(%=-$%,"+;-'A;$+N%T'/%8=%F"9%M$%C8@$%('+%:<;$+"#$%:@$+@%='%-">$%"%@=:;$<=%UV%'+%'=-$+%
=9?$%'(%>"A8;%UV%C-$<%:@8<#%=-$%J"+;N
Consumer Action
Page 93 of 109
!"#$%5%'(%)
,F>)N$%,)'@#F$
L8=-%=-$%$G,$?B'<%'(%,$+="8<%($;$+"A%#'>$+<F$<=%M$<$_=%?"9F$<=@/%9':%,"<%$A$,=%='%-">$%"@%
F:,-%'+%"@%A8eA$%'(%9':+%?"9,-$,K%'+%M$<$_=@%?"9F$<=%;$?'@8=$;%='%9':+%L"AF"+=%*'<$9J"+;%"@%
9':%A8K$N%I-$%,-'8,$%8@%,'F?A$=$A9%9':+@/%"<;%9':%,"<%,"<,$A%'+%,-"<#$%=-$%"F':<=%'(%9':+%V8+$,=%
V$?'@8=%"=%"<9%BF$N%f'C$>$+/%8(%9':%$<+'AA%8<%V8+$,=%V$?'@8=%('+%($;$+"A%#'>$+<F$<=%M$<$_=@%7@:,-%
"@%T',8"A%T$,:+8=9/%T:??A$F$<="A%T$,:+8=9%U<,'F$/%`$=$+"<@%\$<$_=@/%'+%O$;$+"A%J8>8A%T$+>8,$D/%=-$%
$<B+$%"F':<=%'(%9':+%M$<$_=%?"9F$<=%F:@=%M$%;$?'@8=$;%='%9':+%L"AF"+=%*'<$9J"+;N%X':%,"<%
,"<,$A%=-$%V8+$,=%V$?'@8=%'(%9':+%($;$+"A%#'>$+<F$<=%M$<$_=@%"=%"<9%BF$/%M:=%9':%,"<<'=%,-"<#$%
=-$%"F':<=%'(%9':+%($;$+"A%M$<$_=@%V8+$,=%V$?'@8=N%
+330*
FDFG"AE'&>N?"#)%T)) H5
2)A@"( H5%3%,"@-%+$A'";%($$%"=%"<9%L"AF"+=Z%dA@$C-$+$%3%H0%3%H6N4)%7=-8+;%?"+=9%($$D/%H0%;8+$,=%;$?'@8=
.?)NK%."#?FDB H5%3%,-$,K@%,'F8<#%(+'F%$F?A'9$+%'+%'C<%F'<$9%?'@@8MA$%='%,"@-%8<%L"AF"+=N%W'%+$A'";%($$%'<%
='?%'(%,-$,K%,"@-8<#%($$N
58I% H0%8<3<$=C'+K%EI*%($$@Z%b:=3'(3<$=C'+K%;'F$@B,%"<;%8<=$+<"B'<"A%EI*%3%H.N%%E<%EI*%($$%(+'F%
EI*%'C<$+%F"9%"A@'%"??A9
5((FG@D"A%6)>#@D"AFO)(%.">(%+)) T="<;"+;%L"AF"+=%*'<$9J"+;Y%H5/%T=:;$<=%d;8B'<%L"AF"+=%*'<$9J"+;Y%H0/%O"F8A9%L"AF"+=%
*'<$9J"+;Y%H0N%I-$%'<A9%;8g$+$<,$%M$=C$$<%=-$%T=:;$<=%d;8B'<%"<;%O"F8A9%*'<$9J"+;@%"+$%=-$%
<"F$@N%X':%;'%<'=%<$$;%='%-">$%F:AB?A$%,"+;-'A;$+@%"=%=-$%BF$%9':%@8#<%:?%('+%=-$%,"+;@%"<;%
9':%-">$%=-$%"M8A8=9%='%";;%,"+;-'A;$+@%='%=-$%",,':<=%"=%"%A"=$+%BF$%%"<;%">'8;%=-$%H5%";;8B'<"A%
,"+;%($$N%I-$%T="<;"+;%*'<$9J"+;%C8AA%+$Q:8+$%9':%?"9%H5%C-$<%";;8<#%"<%";;8B'<"A%,"+;-'A;$+N%
8)C'@>">J%.">(%-##&"DN)%+))%"$% T="<;"+;%L"AF"+=%*'<$9J"+;Y%H5/%T=:;$<=%d;8B'<%L"AF"+=%*'<$9J"+;Y%H5/%O"F8A9%L"AF"+=%
R"AC">$%0$@>) *'<$9J"+;Y%H5
%:"A"DN)%-DQ&F>J EI*%\"A"<,$%U<Q:8+9%3%H&
I@D$?AJ%I"FD$)D"DN)%+)) H5
2)'A"N)C)D$%.">(%@>%0)N@D(%.">( H.
8>"D#"NG@D# H0
+@>)FBD%8>"D#"NG@D# .c
.&#$@C)>%0)>SFN) H0
7$?)>% a:@-%;$A8>$+9%3%H.0Z%I$AA$+%,"@-%=+"<@",B'<%3%H.%?$+%=+"<@",B'<
W'
Low balance email/text alerts? X$@
Consumer Action
Page 94 of 109
!"#$%6%'(%)
L7R%87%597-,%+330
U(%9':%+$A'";%9':+%L"AF"+=%*'<$9J"+;%"=%'=-$+%A',"B'<@/%'+%8(%9':%+$A'";%9':+%L"AF"+=%
*'<$9J"+;%M9%?:+,-"@8<#%"%*'<$9!"K/%C$%;'%<'=%,-"+#$%9':%"%($$%M:=%=-'@$%M:@8<$@@$@%'+%]+$$<%
V'=%F"9%,-"+#$%"%($$%='%9':%('+%=-$%@$+>8,$%=-$9%?+'>8;$N%U(%9':%A'";%'+%+$A'";%"=%A$"@=%H&/000%='%
9':+%L"AF"+=%*'<$9J"+;%;:+8<#%"%,"A$<;"+%F'<=-%7<'=%8<,A:;8<#%"%=+"<@($+%(+'F%9':+%I$F?'+"+9%
J"+;%='%9':+%!$+@'<"A8S$;%J"+;D/%C$%C8AA%C"8>$%=-$%*'<=-A9%*"8<=$<"<,$%O$$%('+%9':+%L"AF"+=%
*'<$9J"+;%=-$%<$G=%,"A$<;"+%F'<=-N%T8#<%:?%('+%"%T=:;$<=%'+%O"F8A9%*'<$9J"+;%"<;%">'8;%=-$%H5%
";;8B'<"A%,"+;%($$%8(%9':%=-8<K%9':%F"9%-">$%F:AB?A$%,"+;-'A;$+@%'<%=-$%",,':<=N%E>'8;%EI*%($$@%
M9%#$h<#%,"@-%M",K%C8=-%!UW%?:+,-"@$@N%E>'8;%EI*%M"A"<,$%8<Q:8+9%($$@%M9%@8#<8<#%:?%('+%$F"8A%
"<;%=$G=%M"A"<,$%"A$+=@%'<A8<$%'+%M9%,"AA8<#%,:@='F$+%@$+>8,$N%
.7/+-,3/8-5!-8;
U@@:$+%C8AA%;8@,A'@$%8<('+F"B'<%='%=-8+;%?"+B$@%"M':=%9':+%L"AF"+=%*'<$9J"+;%'+%=-$%
=+"<@",B'<@/%A'";@/%"<;%+$A'";@%9':%F"K$Y%L-$+$%8=%8@%<$,$@@"+9%('+%,'F?A$B<#%=+"<@",B'<@/%
A'";@/%'+%+$A'";@Z%U<%'+;$+%='%>$+8(9%=-$%$G8@=$<,$%"<;%,'<;8B'<%'(%9':+%L"AF"+=%*'<$9J"+;%('+%"%
=-8+;%?"+=9/%@:,-%"@%"%,+$;8=%M:+$":%'+%F$+,-"<=Z%U<%'+;$+%='%,'F?A9%C8=-%#'>$+<F$<=%"#$<,9%'+%
,':+=%'+;$+@Z%U(%9':%#8>$%$G?+$@@%?$+F8@@8'<Z%"<;%"@%'=-$+C8@$%?+'>8;$;%8<%=-$%!+8>",9%!'A8,9N
I-$%=9?$@%'(%?$+@'<"A%8<('+F"B'<%,'AA$,=$;%"<;%@-"+$;%;$?$<@;%'<%=-$%?+';:,=%'+%@$+>8,$%9':%
-">$%C8=-%:@N%I-8@%8<('+F"B'<%,"<%8<,A:;$%@',8"A%@$,:+8=9%<:FM$+%"<;%,"+;%M"A"<,$@%"<;%
=+"<@",B'<%-8@='+9N%U(%9':%"+$%"%<$C%,:@='F$+/%8@@:$+%,"<%M$#8<%@-"+8<#%9':+%8<('+F"B'<%50%;"9@%
(+'F%=-$%;"=$%C$%@$<=%=-8@%<'B,$N%L-$<%9':%"+$%<'%A'<#$+%"%,:@='F$+/%8@@:$+%,'<B<:$@%='%@-"+$%
9':+%8<('+F"B'<%"@%;$@,+8M$;%8<%=-8@%<'B,$N%f'C$>$+/%9':%,"<%,'<=",=%8@@:$+%"=%"<9%BF$%='%A8F8=%%
@-"+8<#N%J"AA%122345236041
62-95.;%/78-.3
7$?)>%-DT@
-e?@YRRCCCNC"AF"+=F'<$9,"+;N,'FRC"AF"+=R,"+;-'A;$+3"#+$$F$<=
Consumer Action
Page 95 of 109
!"#$%)%'(%)
Western Union mun2
Prepaid MasterCard
!"#$%&'("$)(* *"+,-%../%.0&.
NAME OF CARD ISSUER
NAME OF CARD
8:)%C"?D;9'%C"?E
."9(:;<()9%5=9))>)?$@8)9>#%"?(%
.;?(AB;?#
https://www.wuprepaid.com/wuprepaid/public/get.do?view=public/terms/tos_mun2
URL of ISSUER
-1234455567-$8"9,'+26,':4
ISSUER PHONE
;;;<=>><?0?@
+,-.%-/0123,4
+251,%62783.8-7/4
Consumer Action
Page 96 of 109
Western Union mun2 Prepaid MasterCard
http://www.westernunion.com/web-inf/en/country/US/index_mun2_WU.html
All 50
Yes
Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe that an electronic
fund transfer has been made without your permission.. Telephoning toll-free at 888-366-7079 is the best way
of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within
2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if
someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after
you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from
using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if
your electronic history shows transfers that you did not make, including those made by your Card or other
means, tell us at once. If you do not tell us within 60 days of the earlier of the date you electronically access
your account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the
FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost
after the 60 days if we can prove that we could have stopped someone from taking the money if you had told
us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend
the time periods for a reasonable period.
!"#$%&%'(%)
Western Union mun2
Prepaid MasterCard
32272%2307!18-7/4
In case of errors or questions about your Card transactions, call 888-366-7079 or write to Western Union
Mun2 Prepaid MasterCard Customer Service, P.O. Box 550578, Sunrise, FL 33355 as soon as possible if you
think an error has occurred in your Card account. We must hear from you no later than 60 days after the
earlier of the date you electronically access your account, if the error could be viewed in your electronic
history, or the date we sent the FIRST written history on which the error appeared. You may request a
written history of your transactions at any time by contacting us at the number or address above. You will
need to tell us the following: (1) your name, (2) your Card number, (3) why you believe there is an error, (4)
the dollar amount involved, and (5) approximately when the error took place. If you tell us orally, we may
require that you send us your complaint or question in writing within 10 business days. We will determine
whether an error occurred within 10 business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or
question. If we decide to do this, we will provisionally credit your account within 10 business days for the
amount you think is in error, so that you will have the money during the time it takes us to complete our
investigation. Funds will remain contingent on whether we determine if an error occurred. If we ask you to
put your complaint or question in writing and we do not receive it within 10 business days, we may not credit
your account. For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90
days to investigate your complaint or question. For new accounts, we may take up to 20 business days to
credit your account for the amount you think is in error. We will tell you the results within three business
days after completing our investigation. If we decide that there was no error, we will send you a written
explanation. You may ask for copies of the documents we used in our investigation. If you have any further
questions regarding our error resolution procedures, please contact us by calling: 888-366-7079.
8)>';9"9G%."9(
Temporary cards are available to purchase at any Western Union and can be purchased without applying for a
permanent card. Temporary cards that have not been approved hold a one-time max load of $750. There is a
$4.95 reload fee (fee anytime you load cash with a WU agent service fee). Once the cardholder has been
approved, their temporary card will be able to be reloaded.
FA?A>&>%!;"( $10
F"HA>&>%C"<"?D) $750
Personalized Card
FA?A>&>%!;"( AB600
F"HA>&>%C"<"?D) A&0/000
USE OF CARD
CARD RESTRICTIONS
Consumer Action
Page 97 of 109
C-$+$%DE%"%:D9D:F:%!GH%*'9$I%J'"K%":'F97%'(%AB600%"9K%"%:"LD:F:%!GH%*'9$I%J'"K%":'F97%'(%A@B0600%2$+%
7+"9E",M'9%'+%A@B0600%D9%7-$%"##+$#"7$%5D7-D9%"%75$97I<('F+%N.)O%-'F+%2$+D'K6%P'F%:"I%5D7-K+"5%F2%7'%AB00%%(+':%
7$+:D9"QE%$R$+I%.)%-'F+E6%P'F%:"I%8FI%F2%7'%A./B00%5'+7-%'(%#''KE%"9K%%E$+RD,$E%$R$+I%.)%-'F+E6%S9DM"Q%*"LD:F:%
J'"K%JD:D7NEO%<%AB004A?B04A&0/000%N:"LD:F:%":'F97E%:"I%R"+I3%AB00%N"9'9I:'FE%7+"9E",M'9EO%"9K%8$75$$9%
A?B0%"9K%A&0/000%('+%+$#DE7$+$K%7+"9E",M'9E%K$2$9KD9#%'9%7-$%E'F+,$%'(%7-$%(F9KE6O
!"#$%.%'(%)
Western Union mun2
Prepaid MasterCard
Reload Process
P'F%:"I%"KK%(F9KE%7'%I'F+%T"+K%N"%U!GH%*'9$I%J'"KVO/%"7%"9I%2"+M,D2"M9#%W$E7$+9%X9D'9%Y#$97%Q',"M'9%RD"%"%
W$E7$+9%X9D'9%!+$2"DK%H$+RD,$E%C+"9E",M'9%('+%"%Q'"K%'+%+$Q'"K%($$%,-"+#$K%8I%W$E7$+9%X9D'9%D9%"KKDM'9%7'%7-$%
D9DM"Q%",MR"M'9%($$6
Requirements
Z'
Z'
W-$9%"%,'9EF:$+%'2$9E%"%T"+K%Y,,'F97/%WX%5DQQ%"E[%('+%7-$%,'9EF:$+\E%9":$/%"KK+$EE/%K"7$%'(%8D+7-/%E',D"Q%
E$,F+D7I%9F:8$+/%"9K%'7-$+%D9('+:"M'9%7-"7%5DQQ%DK$9M(I%7-$%,'9EF:$+6%C-$%,'9EF:$+%5DQQ%9$$K%7'%2+'RDK$%-DE4-$+%
H',D"Q%H$,F+D7I%9F:8$+%D(%"%X6H6%,DM]$9%'+%2$+E'9"Q%C"L%S^%'+%2"EE2'+7%9F:8$+%D(%"%9'9<X6H6%,DM]$96%WX%:"I%"QE'%"E[%
7'%E$$%I'F+%K+DR$+_E%QD,$9E$%'+%'7-$+%DK$9M(ID9#%K',F:$97E6%W$E7$+9%X9D'9%:"I%2+'RDK$%7-$%D9('+:"M'9%#DR$9%7'%
7-$%W$E7$+9%X9D'9%Y#$97%,Q$+[%7'%C-$%`"9,'+2%`"9[6%C-$+$%DE%9'%"#$%+$aFD+$:$97%7'%'87"D9%"%7$:2'+"+I%,"+K/%
-'5$R$+/%:D9'+E%5DQQ%9'7%8$%"22+'R$K%('+%"%2$+:"9$9742$+E'9"QD]$K%,"+K6%
Direct Deposit
UPGRADES
FEES:
Initial Purchase/Activation
Reload
ATM Cash withdrawal
P$E%<%b+$$
A0%
A0%KD+$,7%K$2'ED7c%A)6@B%,"E-%+$Q'"K%W$E7$+9%X9D'9%"#$97%($$c%`"9[%7+"9E($+%($$%<%A&
A&6@B/%A.B600%"7%8"9[%,'F97$+
.:)DE%69;D)##A?= A.B600%
Lost, Stolen or Additional Card AB600%
Replacement
Direct Deposit
Account Maintenance Fee
Transaction
Customer Service
Balance Inquiry
Foreign Currency Conversion Fee
Other
HOW TO AVOID FEES
Consumer Action
Page 98 of 109
A0600%
A0%
A0%
JDR$%TFE7':$+%H$+RD,$%b$$%<%A0
YC*%`"Q"9,$%S9aFD+I%<%A6)B
F2%7'%&d
!"2$+%E7"7$:$97%($$%<%A=%2$+%+$aF$E7$K%E7"7$:$97c%H7'2%2"I:$97%($$%<%A)6@Bc%YC*%^$,QD9$%"9K%`"Q"9,$%S9aFD+I%b$$%<%
A06)Bc%S9",MRD7I%b$$%N:'97-QI%,-"+#$%8$#D99D9#%D9%:'97-%&=%'(%D9",MRD7IO%<%A.6B0c%Y#$97%J',"M'9%T"E-%J'"K%b$$%<%
A)6@Bc%
P$E
Z'%Q'5%8"Q"9,$%"Q$+7E/%7+"9E",M'9%"Q$+7E%"+$%E$97%5-$9%I'F%7+"9E($+%:'9$I%'97'%,"+K
YR'DK%YC*%($$E%8I%#$e9#%,"E-%8",[%5D7-%!SZ%2F+,-"E$Ec%YR'DK%7-D+K<2"+7I%,"E-%Q'"KD9#%($$E%8I%ED#9D9#%F2%('+%KD+$,7%
K$2'ED7%%%
!"#$%=%'(%)
Western Union mun2
Prepaid MasterCard
.7/+-,3/8-5!-8I
C-$%7I2$E%'(%2$+E'9"Q%D9('+:"M'9%5$%,'QQ$,7%"9K%E-"+$%K$2$9K%'9%7-$%2+'KF,7%'+%E$+RD,$%I'F%-"R$%5D7-%FE6%NDO%
S9('+:"M'9%W$%T'QQ$,7%NUT"+K-'QK$+%S9('+:"M'9VO%DE%"E%('QQ'5E3N"O%S9('+:"M'9%"8'F7%2F+,-"E$E%:"K$%5D7-%7-$%
T"+K/%EF,-%"E%K"7$%'(%2F+,-"E$/%":'F97%"9K%2Q",$%'(%2F+,-"E$6%N8O%S9('+:"M'9%I'F%2+'RDK$%7'%FE%5-$9%I'F%"22QI%
('+%"%T"+K/%'+%('+%+$2Q",$:$97%T"+KE%'+%5-$9%I'F%,'97",7%FE%5D7-%,FE7':$+%E$+RD,$%DEEF$E/%EF,-%"E%9":$/%"KK+$EE/%
2-'9$%9F:8$+6
f'5$R$+/%'9QI%7-'E$%2$+E'9E%5-'%9$$K%D7%7'%2$+('+:%7-$D+%g'8%+$E2'9ED8DQDM$E%"+$%"F7-'+D]$K%7'%-"R$%",,$EE%7'%
T"+K-'QK$+%S9('+:"M'96%S9%"KKDM'9/%5$%:"D97"D9%2-IED,"Q/%$Q$,7+'9D,%"9K%2+',$KF+"Q%E$,F+D7I%:$"EF+$E%7-"7%
,':2QI%5D7-%($K$+"Q%+$#FQ"M'9E%7'%E"($#F"+K%T"+K-'QK$+%S9('+:"M'96
62-J5.I%/78-.3
H$$%C$+:E%'(%H$+RD,$3%-12E34455565F2+$2"DK6,':45F2+$2"DK42F8QD,4#$76K'hRD$5i2F8QD,47$+:E47'Ej:F9.
Consumer Action
Page 99 of 109
!"#$%)%'(%)
Western Union
Prepaid Visa Card
!"#$%&'("$)(* *"+,-%../%.0&.
NAME OF CARD ISSUER
NAME OF CARD
8:)%C"?D;9'%C"?E
."9(:;<()9%5=9))>)?$@8)9>#%"?(%
.;?(AB;?#
https://wumt.westernunion.com/WUCOMWEB/staticMid.do?method=load&pagename=tnc&countryCode=US&lan
guageCode=en&nextSecurePage=Y
URL of ISSUER
-1234455567-$8"9,'+26,':4
ISSUER PHONE
;<<=..0=>?;@
+,-.%-/0123,4
+251,%62783.8-7/4
Western Union Prepaid Visa Card
https://www.wuprepaid.com/wuprepaid/public/login.do
All 50
Yes
Notify Western Union immediately if You believe Your Western Union username and password have been lost or
stolen or if someone may use them without Your permission. If You notify Western Union within 2 business days
You can lose no more than $50 if someone used Your Services username and password without Your permission.
If You do NOT notify Western Union within 2 business days after You learn of the loss or theft of Your username
and password or that someone may use them without Your permission, and Western Union can prove that it
could have stopped someone from using Your Services username and password without Your permission if You
had told Western Union, You could lose as much as $500.
Also, if Your Bank Account statement shows Western Union debits that You did not authorize, notify Western
Union immediately. If You do not notify Western Union within 90 days after the date that the statement was
mailed to You or the transaction summary was available, and the loss could have been prevented, You may not
get back any money You lost after the 90 days. Western Union may extend the within 90 day notification period
for good cause.
Consumer Action
Page 100 of 109
!"#$%&%'(%)
Western Union
Prepaid Visa Card
32272%2307!18-7/4
If You believe that any Service transaction initiated by Western Union with respect to Your Bank Account is
erroneous, or if You need more information about any such Service transaction, You should contact Western
Union as soon as possible by telephone or in writing by using the telephone number or address provided above
under "CUSTOMER SERVICE." In any event, Western Union must hear from You no later than ninety (90) days
after the date the questionable transaction FIRST appeared on Your Bank Account statement. When You contact
Western Union, please:1. Tell Western Union your name and the e-mail address associated with Your
westernunion.com customer account,2. Describe the error or the transfer You are unsure about, and explain as
clearly as You can why You believe it is an error or why You need more information, 3. Tell Western Union the
dollar amount of the suspected error, 4. If possible, provide Western Union with the transaction date and
associated transaction identification number from Your Bank Account statement, and 5. Provide Western Union
with a telephone number at which You can be reached in case Western Union needs further information. If You
provide Western Union with this information orally, You may be required to send Western Union your complaint
or question in writing within ten (10) Business Days. Western Union will attempt to determine whether an error
occurred within ten (10) Business Days after Western Union receives Your written complaint and will correct any
error promptly. If Western Union needs more time, however, it may take up to forty-five (45) days to investigate
Your complaint or question. If Western Union decides to do this, and Your inquiry or complaint involves any
amounts debited from Your Bank Account, Western Union may transmit a provisional credit to Your Bank
Account for the amount You think is in error, so that You will have the use of the money during the time it takes
it to complete the investigation. If Western Union asks You to put your complaint or question in writing and it
does not receive it within ten (10) Business Days, Western Union may not grant provisional credit of the
disputed amount. Western Union will tell You the results of its investigation within three (3) Business Days after
its completion. If Western Union decides that there was no error, it will send you a written explanation. You may
ask for copies of the documents used in the investigation.
8)>';9"9F%."9(
Temporary cards are available to purchase at any Western Union agent location. Initial load with a temporary
card must be done at location. Initial load of at least $30 to activate your Western Union Prepaid Visa Card.
Registration for a personalized card is not necessary to purchase a temporary card. You will not be able to use
an ATM if not approved. Once approved there is a $500 max withdrawal per 24 hours. PIN cash back option is
also available once temporary card is approved.
GA?A>&>%!;"( $30
G"HA>&>%C"<"?D) No maximum but $950 load limit per 24 hours, up to five times for temporary cards that have not been
approved (meaning you did not apply for a permanent/personalized card)
Personalized Card
GA?A>&>%!;"( A>0
G"HA>&>%C"<"?D) A@/000
USE OF CARD
CARD RESTRICTIONS
Consumer Action
Page 101 of 109
A@00%,"B-%5C7-D+"5"E%EC:C7%2$+%.)%-'F+B%GC9,EFD$B%!HI%,"B-%8",J%7+"9B",K'9BL
!"#$%.%'(%)
Western Union
Prepaid Visa Card
Reload Process
M'"D%N'F+%O"+D%"7%"9%P#$97%M',"K'9%QCBC7%"%2"+K,C2"K9#%R$B7$+9%S9C'9%P#$97%E',"K'96%A)6?@%+$E'"D%($$%5C7-%"9%"#$97%
5-'%5CEE%2+'TCD$%U'F%5C7-%"%:'9$U%7+"9B($+%,'97+'E%9F:8$+6%*FB7%7-$9%,"EE%RS%+$2+$B$97"KT$%5C7-%,'97+'E%9F:8$+%
5-'%5CEE%E'"D%7-$%":'F97%'97'%7-$%2+$2"CD%,"+D%G9'%($$%7'%B2$"J%5C7-%+$2+$B$97"KT$L6%V$E'"DB%,"9%8$%D'9$%'T$+%7-$%
2-'9$%5C7-%"%RS%+$2+$B$97"KT$6
Requirements
I'
I'
R-$9%"%,'9BF:$+%'2$9B%"%O"+D%P,,'F97/%RS%5CEE%"BJ%('+%7-$%,'9BF:$+WB%9":$/%"DD+$BB/%D"7$%'(%8C+7-%"9D%'7-$+%
C9('+:"K'9%7-"7%5CEE%CD$9K(U%7-$%,'9BF:$+6%X-$%,'9BF:$+%5CEE%9$$D%7'%2+'TCD$%-CB4-$+%Y',C"E%Y$,F+C7U%9F:8$+%C(%"%S6Y6%
,CKZ$9%'+%2$+B'9"E%X"[%H\%'+%2"BB2'+7%9F:8$+%C(%"%9'9=S6Y6%,CKZ$96%RS%:"U%"EB'%"BJ%7'%B$$%U'F+%D+CT$+]B%EC,$9B$%'+%
'7-$+%CD$9K(UC9#%D',F:$97B6%R$B7$+9%S9C'9%:"U%2+'TCD$%7-$%C9('+:"K'9%#CT$9%7'%7-$%R$B7$+9%S9C'9%P#$97%,E$+J%7'%
X-$%^"9,'+2%^"9J6%
Direct Deposit
_+$$%DC+$,7%D$2'BC7
UPGRADES
FEES:
Initial Purchase/Activation A)6?@%C9CK"E%E'"D%($$%5C7-%"#$97%G9'7%"%($$%7'%2F+,-"B$%,"+D/%($$%7'%E'"D%5C7-%"#$97%($$L
Reload A)6?@%+$E'"D%"#$97%($$`%A&%=%^"9J%7'%,"+D%7+"9B($+%($$
ATM Cash withdrawal A&6?@%2$+%7+"9B",K'9
Second Card or Replacement Card A@600%
Direct Deposit
Monthly Maintenance Fee
Transaction
Customer Service
Balance Inquiry
Foreign Currency Conversion Fee
Other
A0600%
A0%
A0%('+%!HI%"9D%YC#9"7F+$%7+"9B",K'9B
A0%
A6)@%PX*%8"E"9,$%C9aFC+U
.b
!"2$+%Y7"7$:$97%_$$%=%A>`%O"+D%H9",KTC7U%_$$%=%A.6@0%G:'97-EU%,-"+#$%8$#C99C9#%C9%:'97-%&>%'(%C9",KTC7UL
X+",J%U'F+%,"+D%8"E"9,$%"9D%B2$9DC9#%'9EC9$/%'T$+%7-$%2-'9$/%'+%5C7-%Y*Y%7$[7%"E$+7B6
N$B
N$B
HOW TO AVOID FEES
M'"D%U'F+%,"+D%'T$+%7-$%2-'9$%'+%7-+'F#-%DC+$,7%D$2'BC76%PT'CD%PX*%($$B%8U%5C7-D+"5"EC9#%,"B-%7-+'F#-%!HI%
2F+,-"B$B%"9D%+$,$CTC9#%,"B-%8",J6%
Consumer Action
Page 102 of 109
!"#$%>%'(%)
Western Union
Prepaid Visa Card
.7/+-,3/8-5!-8I
X-$%7U2$B%'(%2$+B'9"E%C9('+:"K'9%5$%,'EE$,7%"9D%B-"+$%D$2$9D%'9%7-$%2+'DF,7%'+%B$+TC,$%U'F%-"T$%5C7-%FB6%X-CB%
C9('+:"K'9%,"9%C9,EFD$/%5C7-'F7%EC:C7"K'93%#'T$+9:$97%CD$9Kc,"K'9%9F:8$+B/%BF,-%"B3%D+CT$+]B%EC,$9B$/%2"BB2'+7/%
TCB"%'+%Y',C"E%Y$,F+C7U%9F:8$+`%9":$/%"DD+$BB/%:'8CE$%"9D%-':$%7$E$2-'9$%9F:8$+`%",,'F97%8"E"9,$B%"9D%
7+"9B",K'9%-CB7'+U`%,+$DC7%-CB7'+U%"9D%2"U:$97%-CB7'+U`%,':2F7$+%C9('+:"K'9%BF,-%"B%7-$%D':"C9%"9D%-'B7%U'F%FB$%7'%
",,$BB%7-$%H97$+9$7`%U'F+%,':2F7$+]B%H97$+9$7%"DD+$BB`%7-$%8+'5B$+%"9D%'2$+"K9#%BUB7$:%B'd5"+$%U'F%FB$`%B',C"E%
2+'cE$%"9D%9$75'+J%C9('+:"K'9`%7-$%D"7$%"9D%K:$%U'F%",,$BB%'F+%5$8BC7$%"9D%7-$%H97$+9$7%"DD+$BB%FB$D%7'%EC9J%7'%
'F+%5$8BC7$%5-$9%U'F%TCBC7%FB6%N'F%,'9B$97%7'%'F+%,'EE$,K'9/%7+"9B($+%"9D%B7'+"#$%'(%H9('+:"K'9%8U%,':2F7$+B%'+%
'7-$+%7+"9B($+%'+%B7'+"#$%D$TC,$B%C9%7-$%S9C7$D%Y7"7$B%"9D%$EB$5-$+$%5-$9%U'F%BF22EU%H9('+:"K'96%
62-J5.I%/78-.3
http://www.westernunion.com/WUCOMWEB/staticMid.do?method=load&pagename=privacyPolicy&countryCode
=US&languageCode=en
Consumer Action
Page 103 of 109
!"#$%)%'(%)
YAP MasterCard Prepaid Card
!"#$"!%&'#()(*$(+$&
!"#$%&'("$)(*5.678#99:#9;19
57;1%92%47,3%/00+1,
/<$)=%5">-<"?%@"<A
57;1%92%47,3
+,!%09+,41%92%47,3%/529
https://www.yapsend.com/us/prepaid-MasterCard-mobile.do
4"=(C-?()=%7D=))E)<$F:)=E#%"<(%4-<(G>-<#
https://www.yapsend.com/us/go.do?v=Public-TermsAndConditions
+,!%-.%/00+1,
8@ABCDDEEEFGHIE0IF72JD
/00+1,%8B951
<<<=>9?=<>9?
47,3%7H7/!7@/!/:I%J0:7:10K
All 50
23/4%/50+,136
Yes
2,7+3%8,9:14:/956
IF YOU BELIEVE THAT ANY OF YOUR ACCESS DEVICES HAVE BEEN LOST OR STOLEN OR THAT
SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR ACCOUNT WITHOUT YOUR
PERMISSION, CONTACT MANGO AT ONCE. Contacting us via telephone is the preferred method of
communication for lost or stolen Access Devices. You may be liable for unauthorized use of your
Access Devices. You will not be liable for unauthorized use that occurs after you notify us, orally or
in writing, of the loss, theft, or possible unauthorized use. If you inform us within two business
days after you learn of the loss or theft of your Access Device(s), you will not be liable for more
than $50 if someone used your Access Device without your permission. If you do NOT tell us
within two business days after you learn of the loss or theft of your Access Device, and we can
prove we could have stopped someone from using your Access Device without your permission if
you had informed us, you could be liable for as much as $500. If your Account history shows
transactions that you did not authorize, inform us immediately. If you fail to inform us within 90
days after the Account history was made available to you, you may not be entitled to recover any
funds you lost after the 90 days if we can prove that we could have prevented the unauthorized
transaction if you had told us in time. If your Access Device has been lost or stolen, we will close
your Account. If your PIN has been compromised we retain the right to reset your PIN.If you
inform Mango within twenty-four hours after you learn of the loss or theft of your Mobile Phone, or
after you learn of an unauthorized transaction performed on your Account using YAP mobile
financial services, you will not be liable for any portion of the unauthorized transaction if Mango
determines that the unauthorized transaction was fraudulent or unauthorized. If you inform Mango
after twenty-four hours have elapsed, but before forty-eight hours have elapsed, after you learn of
the loss or theft of your Mobile Phone, or after you learn of an unauthorized transaction performed
on your Card Account using YAP mobile financial services, you will not be liable for more than $50
if Mango determines that the unauthorized transaction was fraudulent or unauthorized. If you do
NOT tell Mango within two business days after you learn of the loss or theft of your Mobile Phone,
and we can prove we could have stopped someone from using your Mobile Phone without your
permission if you had informed us, you could be liable for as much as $500.
Consumer Action
Page 104 of 109
-./0#1#23#4
!"#$"!%&'#()(*$(+$&,
Contact Mango immediately if you think your Account history or receipt is wrong or if you require
additional information about a transaction listed on the Account history or receipt. We must hear
from you no later than 90 days after the initial communication when the problem or error
appeared. You must provide the following information: Name; Card Account number; Description
of the error or the transaction; explanation as to why you believe it is an error or why you need
more information; and the dollar amount of the suspected error. We may require that you send
your complaint or question in writing within 10 business days. We will determine whether an error
occurred within 10 business days after we hear from you and will correct any error promptly. If we
require additional time we may take up to 45 days to investigate your complaint or question. If
additional investigation is required, we will credit your Account within 10 business days for the
disputed amount. If we ask you to put your complaint or question in writing and we do not receive
it within 10 business days, we may not credit your Account. For errors involving new Accounts,
POS, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or
question. For new Accounts, we may take up to 20 business days to credit your Account for the
disputed amount. We will inform you of the results within three business days after completing the
investigation. If we decide that there was no error, we will send you a written explanation. You
may ask for copies of the documents that were used in the investigation.
1,,9,%,109!+:/956
8)=#-<"?GL)(%4"=(
;G<GE&E%!-"( $0.01
;"PGE&E%@"?"<N) K1;:;;;#
+01%92%47,3
47,3%,10:,/4:/950
^.B8#EGM8N6.E.P#PGJGMBC#_.GPO#EGM8N6.E.P#PGJGMB#GH#M80#`HGM0N#aM.M0BC#KY;;=Kb;;
"WMBGN0#23#M80#`HGM0N#aM.M0BC#K4;;=KX;;R#$GJGM#N0A0HNB#WA2H#M6.HB.7S2H#8GBM26O
,)?-"(%8=-N)##
).PW0#7.H#I0#.NN0N#IO#WBGH/#7.B8:#7807[B:#NG607M#N0A2BGM:#6070GAM#23#.#M6.HB306#362J#.H2M806#\(-#
^.6N82PN06#.HN#IO#6070GAM#23#.H#(^c#26#EG60#M6.HB306F
4=)(G$%NC)NA%=)O&G=)(6
!2
@"<A%"NN-&<$%=)O&G=)(6
!2
,)O&G=)E)<$#
Z80H#O2W#2A0H#.#7.6N#.772WHM:#O2W#EGPP#I0#.B[0N#326#O2W6#H.J0:#.NN60BB:#N.M0#23#IG6M8:#.HN#2M806#
GH326J.S2H#M8.M#EGPP#GN0HS3O#O2WF#\2W#J.O#.PB2#I0#.B[0N#M2#A62]GN0#.#N6G]06B#PG70HB0#26#2M806#
GN0HS3OGH/#N27WJ0HMF#5WBM#I0#1<#O0.6B#26#2PN06F#
3G=)N$%3)'-#G$
\0B
2110*
8@ABCDDEEEFO.AB0HNF72JDWBDJ2IGP0=J2H0O=A.OJ0HMBFN2
/<G>"?%8&=NC"#)F0)$%+' K;#
,)?-"( K;#60P2.NBR#T8G6N#A.6MO#60P2.N#300B#J.O#.AAPO#LWA#M2#KXF>YQ
7:;%4"#C%MG$C(="M"?% K9#LM8G6N#A.6MO#300B#J.O#.PB2#.AAPOQR#*HM06H.S2H.P#(T5#=#K9#U#9V
Consumer Action
Page 105 of 109
-./0#9#23#4
!"#$"!%&'#()(*$(+$&,
0)N-<(%4"=(%-=%,)'?"N)E)<$%4"=( K;#60AP.70J0HM#300R#!2#B072HN#7.6NB#2H#.772WHM
3G=)N$%3)'-#G$ K;F;;#
;-<$C?S%;"G<$)<"<N)%2)) KY#LE.G]0N#M80#i6BM#J2HM8Q
:="<#"N>-<# K;#
4&#$-E)=%0)=RGN) K;#
@"?"<N)%/<O&G=S% K;FY;#.M#(T5
2-=)GD<%4&==)<NS%4-<R)=#G-<%2)) 9V#A06#M6.HB.7S2H
9$C)= KFY;#326#I.P.H70#M6.HB306B#WBGH/#a5a
;757T/5T%I9+,%47,3%95!/51
"HPGH0#.772WHM#J.H./0J0HM#.HN#2HPGH0#.772WHM#BM.M0J0HMB#.60#.].GP.IP0#9XD?F#\(-#52IGP0#.PB2#.PP2EB#
7.6N82PN06#M2#7807[#M80G6#I.P.H70:#M6.HB.7S2HB:#6070G]0#J2H0O#.HN#B0HN#J2H0O#M862W/8#a5aF
\0BF#T0dM#eI.PeM2##<<><<#=#326#3600#I.P.H70#GHfWG6G0B
\0B
B9Q%:9%7H9/3%2110
T2#.]2GN#(T5#300B#WB0#-*!#M6.HB.7S2HB#M2#6070G]0#7.B8#I.7[R#`B0#_G607M#_0A2BGM#.HN#I.H[#M6.HB306B#M2#
.]2GN#M8G6N#A.6MO#7.B8#P2.N#300BR#(]2GN#(T5#I.P.H70#GHfWG6O#300B#IO#J.H./GH/#.P06MB#2HPGH0#.HN#M0dSH/#
eI.Pe#M2#<<><<#326#7W660HM#I.P.H70F##
4952/315:/7!/:I
\.A#J.O#NGB7P2B0#GH326J.S2H#M2#M8G6N#A.6S0B#.I2WM#O2W6#(772WHM#26#M80#M6.HB.7S2HB#O2W#J.[0C#GH#
26N06#M2#72JAP0M0#M6.HB.7S2HBR#GH#26N06#M2#]06G3O#M80#0dGBM0H70#.HN#72HNGS2H#23#O2W6#(772WHM#326#.#
M8G6N#A.6MO:#BW78#.B#.#J0678.HMR#GH#26N06#M2#72JAPO#EGM8#/2]06HJ0HM#./0H7O#26#72W6M#26N06B:#26#2M806#
P0/.P#60A26SH/#60fWG60J0HMBR#G3#O2W#/G]0#\.A#O2W6#A06JGBBG2HR#M2#M80G6#0JAP2O00B:#.WNGM26B:#.gPG.M0B:#
B06]G70#A62]GN06B:#26#.@26H0OB:#.B#H00N0N#26R#GH#.7726N.H70#EGM8#M80#\(-#^.6N#-62/6.J#-6G].7O#-2PG7OF#
-P0.B0#60.N#M80#-6G].7O#-2PG7OF#+O#WBGH/#M80#(772WHM:#O2W#./600#M2#/6.HM#5.H/2#.HN#GMB#.gPG.M0B#M80#
6G/8M#M2#.H.POh0#O2W6#H2H=AWIPG7#A06B2H.P#GH326J.S2H#L326#0d.JAP0:#GH326J.S2H#O2W#8.]0#A62]GN0N#.HN#
O2W6#M6.HB.7S2H#8GBM26OQ#M2#N0]0P2A#.NNGS2H.P#26#GJA62]0N#A62NW7MB#.HN#B06]G70B#326#M80#iH.H7G.P#
0JA2E06J0HM#23#J.H[GHN#E26PNEGN0F
8,/H74I%59:/41
https://www.yapsend.com/us/go.do?v=Public-PrivacyPolicy
Consumer Action
Page 106 of 109
-./0#4#23#4
!"#$"!%&'#()(*$(+$&,
!"#$%&'"$()&*+(,-./&0.12"3(+&4-+/
!"#$%&'("$)(* '-+28&99:&9;59
7=G;%?4%+=:5%6889;:
7=G;%?4%+=:5
9:!%8?9:+;%?4%+=:5%674?
G)$"A"0H
+",(-#%.),/#%"0(%+10(2310#
https://www.youngmoneycards.com/CardholderAgreement.aspx
9:!%1F%6889;:
6889;:%>E?7;
+=:5%=@=6!=A6!6.B%C8.=.;8D
456+%6789:;5<
4:=95%>:?.;+.6?7<
Consumer Action
Page 107 of 109
Young Money Prepaid Discover Card
https://www.youngmoneycards.com/Default.aspx?AspxAutoDetectCookieSupport=1
http://www.bankmeta.com/
BCCDBHID99J7
All 50 states
!(1
<6&)"#&=(>.(3(&)"#+&4-+/&"+&*<?&8-1&=(($&>"1@&"+&1@">($:&2->>A&BCCDB!'D4EF0&GBCCDBHID99J7K&"+&L+.@(A&*+"%+-M&
N(-/O#-+@(+1:&*P&Q"R&C5I:&S.1>(&<S&I;C79T&!"#&18"#>/&->1"&2->>&@8(&$#M=(+&"+&L+.@(&@"&@8(&-//+(11&>.1@(/&-="3(&.6&
)"#&=(>.(3(&-&@+-$16(+&8-1&=(($&M-/(&#1.$%&@8(&.$6"+M-U"$&6+"M&)"#+&4-+/&"+&*<?&L.@8"#@&)"#+&,(+M.11."$T&!"#+&
S.-=.>.@)&6"+&V$-#@8"+.W(/&0.12"3(+&*+(,-./&4-+/&X+-$1-2U"$1T&X(>>&#1:&EX&P?4Y:&.6&)"#&=(>.(3(&)"#+&0.12"3(+&4-+/&
8-1&=(($&>"1@&"+&1@">($&"+&"6&-$)&#$-#@8"+.W(/&@+-$1-2U"$1T&!"#+&>.-=.>.@)&6"+&#$-#@8"+.W(/&@+-$1-2U"$1&@8-@&@-Z(&
,>-2(&"$&@8(&0.12"3(+&1)1@(M&.1&W(+"&/">>-+1&G[;KT&\(&M-)&+(O#.+(&)"#&@"&,+"3./(&-&L+.]($&1@-@(M($@&+(%-+/.$%&
2>-.M1&"6&#$-#@8"+.W(/&@+-$1-2U"$1T&X8(1(&,+"3.1."$1&>.M.U$%&)"#+&>.-=.>.@)&/"&$"@&-,,>)&@"&EX':&*P^:&*<?>(11:&"+&
-$)&"@8(+&/(=.@&@+-$1-2U"$1&$"@&,+"2(11(/&=)&0.12"3(+T&<$&-//.U"$&@"&@8.1&,-+-%+-,8:&L(&M-)&->1"&=(&+(1,"$1.=>(&
@"&)"#&6"+&#$-#@8"+.W(/&@+-$1-2U"$1&G1((&_!"#+&S.-=.>.@)&6"+&V$-#@8"+.W(/&X+-$16(+1`&,-+-%+-,8&=(>"LKT&!"#+&
S.-=.>.@)&6"+&V$-#@8"+.W(/&X+-$16(+1A&X(>>&#1&EX&P?4Y&.6&)"#&=(>.(3(&)"#+&4-+/&"+&*<?&8-1&=(($&>"1@&"+&1@">($:&"+&.6&
)"#&=(>.(3(&@8-@&-$&(>(2@+"$.2&6#$/&@+-$16(+&8-1&=(($&M-/(&L.@8"#@&)"#+&,(+M.11."$T&X(>(,8"$.$%&@">>D6+((&-@&BCCD
B!'D4EF0&GBCCDBHID99J7K&.1&@8(&=(1@&L-)&"6&Z((,.$%&)"#+&,"11.=>(&>"11(1&/"L$T&!"#&2"#>/&>"1(&->>&@8(&M"$()&.$&
)"#+&4-+/&-22"#$@T&<6&)"#&@(>>&#1&L.@8.$&9&=#1.$(11&/-)1&-a(+&)"#&>(-+$&"6&@8(&>"11&"+&@8(a&"6&)"#+&4-+/&"+&*<?:&)"#&
2-$&>"1(&$"&M"+(&@8-$&[C;&.6&1"M("$(&#1(/&)"#+&4-+/&"+&*<?&L.@8"#@&)"#+&,(+M.11."$T&<6&)"#&/"&?PX&@(>>&#1&L.@8.$&
9&=#1.$(11&/-)1&-a(+&)"#&>(-+$&"6&@8(&>"11&"+&@8(a&"6&)"#+&4-+/&"+&*<?:&-$/&L(&2-$&,+"3(&L(&2"#>/&8-3(&1@",,(/&
1"M("$(&6+"M&#1.$%&)"#+&4-+/&"+&*<?&L.@8"#@&)"#+&,(+M.11."$&.6&)"#&8-/&@">/&#1:&)"#&2"#>/&>"1(&-1&M#28&-1&[C;;T&
E>1":&.6&)"#+&(>(2@+"$.2&8.1@"+)&18"L1&@+-$16(+1&@8-@&)"#&/./&$"@&M-Z(:&.$2>#/.$%&@8"1(&M-/(&=)&)"#+&4-+/&"+&"@8(+&
M(-$1:&@(>>&#1&-@&"$2(T&<6&)"#&/"&$"@&@(>>&#1&L.@8.$&I;&/-)1&"6&@8(&(-+>.(+&"6&@8(&/-@(&)"#&(>(2@+"$.2->>)&-22(11&)"#+&
-22"#$@:&.6&@8(&#$-#@8"+.W(/&@+-$16(+&2"#>/&=(&3.(L(/&.$&)"#+&(>(2@+"$.2&8.1@"+):&"+&@8(&/-@(&L(&1($@&@8(&b<F^X&
L+.]($&8.1@"+)&"$&L8.28&@8(&#$-#@8"+.W(/&@+-$16(+&-,,(-+(/:&)"#&M-)&$"@&%(@&=-2Z&-$)&M"$()&)"#&>"1@&-a(+&@8(&
I;&/-)1&.6&L(&2-$&,+"3(&@8-@&L(&2"#>/&8-3(&1@",,(/&1"M("$(&6+"M&@-Z.$%&@8(&M"$()&.6&)"#&8-/&@">/&#1&.$&UM(T&<6&-&
%""/&+(-1"$&G1#28&-1&-&>"$%&@+.,&"+&-&8"1,.@->&1@-)K&Z(,@&)"#&6+"M&@(>>.$%&#1:&L(&L.>>&(R@($/&@8(&UM(&,(+."/1&6"+&-&
+(-1"$-=>(&,(+."/T&
*-%(&5&"6&7
!"#$%&'"$()&*+(,-./&0.12"3(+&4-+/
;::?:%:;8?!9.6?7<
<$&2-1(&"6&(++"+1&"+&O#(1U"$1&-="#@&)"#+&4-+/&@(>(,8"$(&#1&-@&BCCDB!'D4EF0&GBCCDBHID99J7K&"+&L+.@(&#1&-@&
*+"%+-M&N(-/O#-+@(+1:&*P&Q"R&C5I:&S.1>(&<S&I;C79&-1&1""$&-1&,"11.=>(:&.6&)"#&@8.$Z&-$&(++"+&8-1&"22#++(/&.$&)"#+&
4-+/&-22"#$@T&\(&M#1@&8(-+&6+"M&)"#&$"&>-@(+&@8-$&I;&/-)1&-a(+&@8(&(-+>.(+&"6&@8(&/-@(&)"#&(>(2@+"$.2->>)&-22(11&
)"#+&-22"#$@:&.6&@8(&(++"+&2"#>/&=(&3.(L(/&.$&)"#+&(>(2@+"$.2&8.1@"+):&"+&@8(&/-@(&L(&1($@&@8(&b<F^X&L+.]($&8.1@"+)&
"$&L8.28&@8(&(++"+&-,,(-+(/T&!"#&M-)&+(O#(1@&-&L+.]($&8.1@"+)&"6&)"#+&@+-$1-2U"$1&-@&-$)&UM(&=)&2"$@-2U$%&#1&
-@&@8(&$#M=(+&"+&-//+(11&-="3(T&!"#&L.>>&$((/&@"&@(>>&#1&@8(&6">>"L.$%A&G5K&)"#+&$-M(:&G9K&)"#+&4-+/&$#M=(+:&G7K&
L8)&)"#&=(>.(3(&@8(+(&.1&-$&(++"+:&GgK&@8(&/">>-+&-M"#$@&.$3">3(/:&-$/&GCK&-,,+"R.M-@(>)&L8($&@8(&(++"+&@""Z&
,>-2(T&<6&)"#&@(>>&#1&"+->>):&L(&M-)&+(O#.+(&@8-@&)"#&1($/&#1&)"#+&2"M,>-.$@&"+&O#(1U"$&.$&L+.U$%&L.@8.$&5;&
=#1.$(11&/-)1T&\(&L.>>&/(@(+M.$(&L8(@8(+&-$&(++"+&"22#++(/&L.@8.$&5;&=#1.$(11&/-)1&-a(+&L(&8(-+&6+"M&)"#&-$/&
L.>>&2"++(2@&-$)&(++"+&,+"M,@>)T&<6&L(&$((/&M"+(&UM(:&8"L(3(+:&L(&M-)&@-Z(&#,&@"&gC&/-)1&@"&.$3(1U%-@(&)"#+&
2"M,>-.$@&"+&O#(1U"$T&<6&L(&/(2./(&@"&/"&@8.1:&L(&L.>>&,+"3.1."$->>)&2+(/.@&)"#+&-22"#$@&L.@8.$&5;&=#1.$(11&/-)1&6"+&
@8(&-M"#$@&)"#&@8.$Z&.1&.$&(++"+:&1"&@8-@&)"#&L.>>&8-3(&@8(&M"$()&/#+.$%&@8(&UM(&.@&@-Z(1&#1&@"&2"M,>(@(&"#+&
.$3(1U%-U"$T&b#$/1&L.>>&+(M-.$&2"$U$%($@&"$&L8(@8(+&L(&/(@(+M.$(&.6&-$&(++"+&"22#++(/T&<6&L(&-1Z&)"#&@"&,#@&
)"#+&2"M,>-.$@&"+&O#(1U"$&.$&L+.U$%&-$/&L(&/"&$"@&+(2(.3(&.@&L.@8.$&5;&=#1.$(11&/-)1:&L(&M-)&$"@&2+(/.@&)"#+&
-22"#$@T&b"+&(++"+1&.$3">3.$%&$(L&-22"#$@1:&*P^:&"+&6"+(.%$D.$.U-@(/&@+-$1-2U"$1:&L(&M-)&@-Z(&#,&@"&H;&/-)1&@"&
.$3(1U%-@(&)"#+&2"M,>-.$@&"+&O#(1U"$T&b"+&$(L&-22"#$@1:&L(&M-)&@-Z(&#,&@"&9;&=#1.$(11&/-)1&@"&2+(/.@&)"#+&
-22"#$@&6"+&@8(&-M"#$@&)"#&@8.$Z&.1&.$&(++"+T&\(&L.>>&@(>>&)"#&@8(&+(1#>@1&L.@8.$&@8+((&=#1.$(11&/-)1&-a(+&
2"M,>(U$%&"#+&.$3(1U%-U"$T&<6&L(&/(2./(&@8-@&@8(+(&L-1&$"&(++"+:&L(&L.>>&1($/&)"#&-&L+.]($&(R,>-$-U"$T&!"#&
M-)&-1Z&6"+&2",.(1&"6&@8(&/"2#M($@1&L(&#1(/&.$&"#+&.$3(1U%-U"$T&<6&)"#&8-3(&-$)&6#+@8(+&O#(1U"$1&+(%-+/.$%&"#+&
(++"+&+(1">#U"$&,+"2(/#+(1:&,>(-1(&2"$@-2@&#1&=)&2->>.$%&BCCDB!'D4EF0&GBCCDBHID99J7KT&
>),#10"I2N)(%+",(
98;%?4%+=:5
G202/&/%!1"( [9CT;;&
G"M2/&/%A"I"0J) [5;:;;;&
^8",&(3(+)L8(+(&0.12"3(+&2-+/1&-+(&-22(,@(/T&!"#&M-)&#1(&)"#+&4-+/&@"A&G5K&L.@8/+-L&2-18&6+"M&)"#+&4-+/&
-22"#$@:&G9K&M-Z(&/(,"1.@1&@"&)"#+&4-+/&-22"#$@:&G7K&@+-$16(+&6#$/1&=(@L(($&)"#+&4-+/&-22"#$@1&L8($(3(+&)"#&
+(O#(1@:&GgK&,#+28-1(&"+&>(-1(&%""/1&"+&1(+3.2(1&L8(+((3(+&)"#+&4-+/&.1&8"$"+(/&-1&>"$%&-1&)"#&/"&$"@&(R2((/&@8(&
3->#(&-3-.>-=>(&.$&)"#+&4-+/&-22"#$@:&-$/&GCK&,-)&=.>>1&/.+(2@>)&6+"M&)"#+&4-+/&-22"#$@&.$&@8(&-M"#$@1&-$/&"$&@8(&
/-)1&)"#&+(O#(1@T&^"M(&"6&@8(1(&1(+3.2(1&M-)&$"@&=(&-3-.>-=>(&-@&->>&@(+M.$->1T&
+=:5%:;8.:6+.6?78
!"#&M-)&M-Z(&"$>)&g&2-18&L.@8/+-L->1&6+"M&@(+M.$->1&(-28&/-)T&S.M.@-U"$1&"$&/">>-+&-M"#$@1&"6&@+-$16(+1A&G5K&
!"#&M-)&L.@8/+-L&#,&@"&[C;;&&6+"M&@(+M.$->1&(-28&/-)&)"#&#1(&@8(&4-+/T&G9K&!"#&M-)&=#)&#,&@"&[9:C;;&L"+@8&"6&
%""/1&"+&1(+3.2(1&(-28&/-)&)"#&#1(&@8(&4-+/&.$&"#+&*P^&@+-$16(+&1(+3.2(T&
:)I1"(%>,1J)##
0.+(2@&0(,"1.@:&'"$()*-Z&G-3-.>-=>(&-@&$-U"$L./(&1@"+(1&.$2>#/.$%&.$2>#/.$%&M-c"+&+(@-.>(+1&1#28&-1&\->M-+@:&
\->%+(($1:&4dê,8-+M-2):&F.@(&E./:&fM-+@:&f+"%(+&-$/&'(.c(+K:&"$>.$(&+(>"-/&6+"M&(R.1U$%&,+(,-./&2-+/&"+&
@+-$16(+&6#$/1:&X-R&+(6#$/T&X8(&-M"#$@&"6&(-28&3->#(&>"-/&M#1@&=(&-@&>(-1@&[9CT;;T&X8(+(&.1&$"&>.M.@&"$&@8(&$#M=(+&
"6&UM(1&)"#&M-)&3->#(&>"-/&)"#+&4-+/T&N"L(3(+:&@8(&M-R.M#M&3->#(&>"-/&)"#&M-)&,>-2(&"$&)"#+&4-+/&L8($&
-%%+(%-@(/&L.@8&-$)&"@8(+&4-+/1&)"#&8-3(&-#@8"+.W(/&.1&+(1@+.2@(/&@"&-&M-R.M#M&>"-/&,(+&/-)&"6&[9C;;T&
+,)(2$%JK)JH%,)L&2,)(<
A"0H%"JJ1&0$%,)L&2,)(<
?"
?"
Consumer Action
Page 108 of 109
*-%(&9&"6&7
!"#$%&'"$()&*+(,-./&0.12"3(+&4-+/
:)L&2,)/)0$#
\8($&-&2"$1#M(+&",($1&-&4-+/&E22"#$@:&!"#$%&'"$()&L.>>&-1Z&6"+&@8(&2"$1#M(+l1&$-M(:&-//+(11:&/-@(&"6&=.+@8&
-$/&"@8(+&.$6"+M-U"$&@8-@&L.>>&./($U6)&@8(&2"$1#M(+T&X8(&2"$1#M(+&L.>>&$((/&@"&,+"3./(&8.1e8(+&^"2.->&^(2#+.@)&
$#M=(+&.6&-&VT^T&2.UW($&"+&,(+1"$->&X-R&<0&"+&,-11,"+@&$#M=(+&.6&-&$"$DVT^T&2.UW($T&\V&M-)&->1"&-1Z&@"&1((&)"#+&
/+.3(+m1&>.2($1(&"+&"@8(+&./($U6).$%&/"2#M($@1T&'#1@&=(&5B&)(-+1&"+&">/(+T
52,)J$%5)'1#2$
9>Q:=5;8
4;;8*
6023"I%>&,JK"#)V=J3S"310
:)I1"(
U2$K(,"U"I%
b+((
4-+/&*#+28-1(&6((&D&[ITHC
[;&+(>"-/1i&X8.+/&,-+@)&+(>"-/&6((1&M-)&-,,>)&G#,&@"&[gTHCK
0"M(1U2&EX'&D&[9i&<$@(+$-U"$->&EX'&D&[7
!1#$T%8$1I)0%1,%=((2310"I%+",(% F(,>-2(M($@&D&[CTHC
:)'I"J)/)0$
52,)J$%5)'1#2$ [;T;;&
G10$KIP%G"20$)0"0J)%4)) [7THC&
.,"0#"J310 [;&
+&#$1/),%8),S2J) [;&
A"I"0J)%60L&2,P% [;T;;&
5k&,(+&@+-$1-2U"$
41,)2R0%+&,,)0JP%+10S),#210%4))
?$K), *-,(+&^@-@(M($@&6((&D&[9TC;
G=7=Q67Q%B?9:%+=:5%?7!67;
E?O%.?%=@?65%4;;8
!(1&D&"$>.$(&-22"#$@&M-$-%(M($@&-3-.>-=>(&9geJ
!(1
!(1
E3"./&EX'&6((1&=)&%(h$%&2-18&=-2Z&L.@8&*<?&,#+28-1(1i&E3"./&@8.+/&,-+@)&2-18&>"-/.$%&6((1&=)&1.%$.$%&#,&6"+&
/.+(2@&/(,"1.@
+?7465;7.6=!6.B
\(&M-)&/.12>"1(&.$6"+M-U"$&@"&@8.+/&,-+U(1&-="#@&)"#+&4-+/&-22"#$@&"+&@8(&@+-$1-2U"$1&)"#&M-Z(A&\8(+(&.@&.1&
$(2(11-+)&6"+&2"M,>(U$%&@+-$1-2U"$1i&.$&"+/(+&@"&3(+.6)&@8(&(R.1@($2(&-$/&2"$/.U"$&"6&)"#+&4-+/&-22"#$@&6"+&-&
@8.+/&,-+@):&1#28&-1&M(+28-$@i&.$&"+/(+&@"&2"M,>)&L.@8&%"3(+$M($@&-%($2)&"+&2"#+@&"+/(+1:&"+&"@8(+&>(%->&+(,"+U$%&
+(O#.+(M($@1i&.6&)"#&%.3(&#1&)"#+&L+.]($&,(+M.11."$i&"+&@"&"#+&(M,>")((1:&-#/.@"+1:&-j>.-@(1:&1(+3.2(&,+"3./(+1:&"+&
-]"+$()1&-1&$((/(/T
>:6@=+B%7?.6+;
https://www.youngmoneycards.com/PrivacyPolicy.aspx
Consumer Action
Page 109 of 109
*-%(&7&"6&7

Consumer Action Prepaid Credit Card Survey

Transcription

Similar documents

A Bird Card

Sistema di Bigliettazione Elettronica

ATP for 5th tariff year in respect of Cargo Handling Services

Eccellenza tecnologica, materiali pregiati

Il Giornale di Vicenza (ITA) - Comitato decennale Luigi Veronelli

W here the Official Ferrari Passion is…

Booklet_SPD 2015_eDM_FA

WTO Cartoons.PM6

Brochure Compositi 3°_INGL.indd

catalogo premi

Ihr Dr. Stefan Schwarzfischer