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

² By activating and using a Netspend Account, your participation in the rewards program is automatically activated. However, you may opt-out of the program at any time by visiting the Rewards Summary Page in the Online Account Center. The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs and program terms and conditions in the Online Account Center. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. Program sponsor: Ouro Global, Inc. Pathward^®, National Association, Mastercard^®, and Visa^® U.S.A. Inc. are not affiliated in any way with the program and neither endorses nor sponsors it.

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

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

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

The interest rates and APYs of each tier may change. The APYs were accurate as of May 25, 2026. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the Netspend Debit Account and transaction fees could reduce the interest earned on the savings account. Once your identity is verified and your account is registered, your funds on deposit in your Savings account are FDIC insured up to $250,000 through Pathward, N.A., or Member FDIC, subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward, N.A. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, N.A., not the failure of Ouro Global, Inc. ("Ouro"). Ouro, a financial technology company, is not a bank and is not FDIC insured.

Apple^® and the Apple logo^® and the App Store are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Play and the Google Play logo are trademarks of Google LLC.

The Netspend Debit Account is a deposit account established by Pathward^®, National Association, Member FDIC. Netspend is a service provider to Pathward, N.A.

Card can be used everywhere Visa debit cards are accepted.

© 2026 Netspend Corporation. All rights reserved. All other trademarks and service marks belong to their owners.

Netspend Corporation
P.O. Box 2136, Austin, TX 78768-2136

CTS-5653-B