CARD.com Premium Banking 1.0.59

The CARD Premium Bank Account by Pathward offers a range of premium banking features:

1. Get paid up to 2 days faster with QuickPay**
2. Optional overdraft protection***
3. Optional savings account with roundups****
4. Funds are FDIC insured through Pathward*****
5. Access to over 32,000 fee-free MoneyPass® ATMs
6. No minimum balance requirement and no credit check
7. Compatible with Apple Pay®, Google Pay®, Venmo®, CashApp® and more

In addition, there are over 12,000 debit card designs to choose from, all available with a $0 monthly fee*.

The Card Premium Bank Account functions as a checking account established by Pathward, N.A., with the Premium Visa Debit card issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc. It can be used wherever Visa debit cards are accepted.

1*. Some fees and costs may apply for certain transactions associated with this account. Please refer to the Accountholder Agreement for more details.

2**. Faster access to funds is based on a comparison between traditional banking policies and the electronic deposit of paper checks from employers and government agencies. Direct Deposit and earlier fund availability depend on the payer's support and funding timing.

3***. Overdraft Protection (ODP) is an optional service offered to eligible CARD Premium Bank Account holders. Enrolled individuals will be charged $15.00 for each transaction that overdraws their account by more than $10.00, up to a maximum of four fees per month. To avoid this fee, the account must be brought to a zero ($0.00) or positive balance within 24 hours of the initial transaction that creates an overdraft. Signature and PIN purchase transactions are subject to an overdraft fee, while ATM transactions and ACH Debit transactions are not covered. Negative balances must be repaid within thirty (30) days. We retain the right to decline an overdraft request based on eligibility criteria or excessive or inappropriate transaction activity. Please contact Customer Service or log in to your Online Account Center for additional terms and conditions, including eligibility requirements.

4****. The Savings Account linked to the CARD Premium Bank Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and paid quarterly. The interest rate is 0.0499% with an annual percentage yield (APY) of 0.05%. The APY is subject to change and was accurate as of 08/17/2020. A minimum balance of $10 is required to open the Savings Account, and a minimum daily balance of $10 is required to earn the advertised APY. To be eligible for a Savings Account, individuals must receive one (1) payroll or government benefits direct deposit. Transaction fees on the Premium Bank Account may reduce the interest earned on the Savings Account. All funds held on deposit by the accountholder at Pathward are FDIC-insured up to the coverage limit of $250,000.00.

5*****. Funds deposited into your account are FDIC insured, within applicable limitations and restrictions, upon receipt.