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¹ Faster funding claim is based on a comparison of the Pathward^®, National Association's policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.

² Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Rewards offers are based on individual shopping habits. Rewards are credited to your Account and are not available in the form of a check or other direct payment method. Rewards earned through Netspend Payback Rewards are separate from rewards earned through any other rewards program. See the program FAQs and terms and conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Ouro Global, Inc. Pathward^®, National Association and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.

³ The optional Savings Account linked to your Netspend Debit Account is made available to Accountholders through Pathward^®, National Association, 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 June 08, 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 Savings Account funds are withdrawn through the Netspend Debit Account and transaction fees could reduce the interest earned on the savings account.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., 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-3167