THE SMARTER WAY TO TRAVEL

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1 MULTI-CURRENCY CASH PASSPORT PREPAID MASTERCARD THE SMARTER WAY TO TRAVEL WELCOME BOOKLET SMART CONVENIENT RELOADABLE Prepaid MasterCard Currency Card

2 Thank you! You made a great decision purchasing a Multi-currency Cash Passport Prepaid MasterCard. Your new Card is the better way to manage your travel money when you re abroad. Let s stick together In addition to packing the essentials for your trip, we recommend you take this Welcome Booklet along with you. You can also access any of the information in this Welcome Booklet at Let s get you started How do I? Can I? Please follow the easy steps below to get your Card up and running. In store Online Phone, at participating US branches of the Purchase Location Move money from one Currency to another Get a PIN reminder Check my balance, at participating US branches of the Purchase Location Reload my Card STEP Sign the back of your Card STEP Your Card is already active and your PIN was provided with the Card. Remember your PIN, it cannot be changed STEP Create your My Account at to view your Card balance, move money between Currencies and view your transactions That s it. You re ready to travel and spend with your new Multi-currency Cash Passport Prepaid MasterCard! Get back the money I haven t spent (balance refund) Report that my Card is lost/ stolen/damaged Please call Card Services immediately on (877) * * See the Contact numbers section in this Welcome Booklet for alternative numbers

3 WAYS TO USE YOUR CARD Make purchases for yourself, friends and family in shops and online, anywhere Debit MasterCard is accepted! Pay for meals and activities Pay in local Currency 4Withdraw cash from ATMs It is important to note that when you are traveling, you may be asked if you want to pay in United States Dollars (USD) rather than the local currency, this is sometimes referred to as Dynamic Currency Conversion. By choosing to pay in the local currency, you may avoid an extra foreign exchange conversion at additional cost to you. Remember that if you do not have enough funds to pay for a purchase in the relevant Currency on your Card, the rest will be taken from another Currency on your Card and you will pay a foreign exchange fee. Please reference the Fees and s tables for more information. THINGS YOU SHOULD NOT DO WITH YOUR CARD Don t give your Card number to anyone, unless you make a transaction or contact Card Services we will never call you to ask you for your Card number! Do not share your PIN (note your PIN can t be changed) Don t use your Card to reserve a rental car or hotel room, and on cruises When you use your Card as a deposit with car rental companies, hotels or cruise lines, they may require authorization of an amount larger than the transaction as a guarantee of payment. Although you will only be charged for the actual and final amount of the transaction, any additional amount that is included in the initial authorization will be temporarily unavailable to you. Therefore, we do not recommend transactions that could create larger authorizations in which case the funds could be unavailable to you for a period of time. Your Card is smart Your Card can carry multiple Currencies when you travel and your Card will select the applicable Currency to use. Load it with US Dollars, British Pounds Sterling, Euros, Canadian Dollars, Australian Dollars,Japanese Yen and/or Mexican Pesos, and keep it loaded with the relevant Currency for your destination(s). If you don t have enough of the local Currency on your Card, then your Card will revert to the other Currencies on your Card, in the following order: USD, GBP, EUR, CAD, AUD, JPY and MXN, to determine if you can cover the bill in another Currency. Please keep in mind that you will be charged a foreign exchange fee, should this occur. Please see the Fees and s tables in this Welcome Booklet. Here for the long haul Your Card isn t just for one trip; it is reusable (up to the expiration date shown on the Card) - simply reload it before your next trip**. For the first 6 months from the date you last bought something, made a withdrawal at an ATM or added money to your Card, there are no fees for not using your Card. If you have not had any activity on your Card (such as buying something, making a withdrawal or reloading) for 6 months or longer, then you may incur an inactivity fee. Please see the Fees and s tables in this Welcome Booklet. Keeping you on track If you have a problem using your Card, here are the things you should check first. 4 Check that you have enough money on the Card for the purchase or withdrawal you wish to make Check that you are using the correct PIN. If you have forgotten your PIN, you can log into My Account at to get a PIN reminder. Alternatively, retrieve it by calling Card Services and selecting the PIN option - call toll-free (877) in the US. See the Contact numbers section in this Welcome Booklet for alternative numbers Check that the merchant you are purchasing from accepts Debit MasterCard, Maestro, or Accel TM Your Card has maximum limits on how much you can withdraw or spend. For example, you cannot withdraw more than,000 USD from ATMs in a 4-hour period. Please see the Fees and s tables for other limitations. Additionally, some merchants and ATMs may have their own limits If none of the above applies to or resolves your query, then please review the Frequently Asked Questions either in this Welcome Booklet or online at Alternatively, call Card Services at (877) from the US; see the Contact numbers section in this Welcome Booklet for alternative numbers. ** Subject to Card fees, limits and restrictions. See Cardholder Agreement for complete terms and conditions. Reload your Card at any US branch of the Purchase Location.

4 Fees and s Multi-currency Cash Passport Prepaid MasterCard Card Fee Summary Frequently Asked Questions CAN I CHANGE MY PIN?, but you can log into My Account at to get a PIN reminder. Alternatively, call Card Services at any time. Call toll-free (877) in the US, or see the Contact numbers section in this Welcome Booklet for alternative numbers, select the PIN option and retrieve your PIN by answering the security questions. WHAT DO I DO WHEN MY CARD HAS BEEN LOST/STOLEN/ DAMAGED? Call us immediately at (877) from the US (see details below for more contact information). We have a dedicated team of friendly and expert staff ready to help you. WILL MY CARD WORK ANYWHERE IN THE WORLD AND IN ANY CURRENCY? Your Card will work nearly everywhere in the world where Debit MasterCard or Maestro is accepted or the Accel logo is displayed. Foreign exchange fees and conversion rates may apply if you make transactions in currencies unavailable on your Card or if you have insufficient funds in the Currency you attempt to use. Please visit the FAQs section at for an up-to-date list of countries where you cannot use your Card. NEED SOME HELP? We re here for you 4 hours a day, 7 days a week, on the web, on or on the phone. ONLINE Our website contains useful information If you have a general query that is not Card account specific (for example, not relating to your Card details or your PIN), you can cardservices@accessprepaidww.com TELEPHONE If you prefer to contact us by telephone, refer to the numbers in the Contact numbers section to contact us while traveling. Fee Category Fee Type Amount Fees for Getting Started: Card Purchase Fee and Additional Card Fee (optional) USD 9.95 Check with the Purchase Location Add Money: Reload Fee USD 5.00 Spend Money: Purchase Transaction Fee ne, ATM Withdrawal Fee (US) USD.50 (or Currency equivalent),4 USD.50, 4 GBP.00, 4 Get Cash: EUR.00, 4 ATM Withdrawal Fee (outside US) CAD.50, 4 AUD.50, 4 JPY 5.00, 4 MXN.00, 4 Bank Teller Cash Withdrawal Fee ne, Information: ATM Balance Inquiry Fee ne 4, 5 Other Services: Currency Transfer Fee (moving funds from one Currency to another) Foreign exchange rate will apply Foreign Exchange Fee 5.50% Replacement Card Fee for lost or stolen Card ne Balance Refund Fee USD 0.00 Inactivity Fee USD.00/month 6 A Foreign Exchange rate will apply if transferring funds to another Currency. The Currency exchange rate is selected from the range of rates available in wholesale currency markets (which vary each day), together with a margin of 5.50%. Third-party fees may apply. If you obtain your funds or make a purchase in a currency other than the Currencies available on your Card, the amount deducted from your funds will be converted by the network or card association that processes the transaction into an amount in the Currencies available on your Card in the following order of priority: USD, GBP, EUR, CAD, AUD, JPY, MXN. MasterCard currently uses a conversion rate that is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date. This percentage amount is independent of the additional 5.50% Foreign Exchange Fee that we will charge as compensation for our services. See Section 6 of your terms and conditions for additional information related to transactions in foreign currencies. 4 When you use an ATM, you may be charged an additional fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). If the Currency of your transaction matches one of the Currencies on the Card and there are sufficient funds in that Currency to cover the whole transaction, the ATM fee for that Currency will be applied. If the Currency of your transaction does not match one of the Currencies on the Card or there are insufficient funds in the relevant Currency to cover the whole transaction or Dynamic Currency Conversion is selected, then the USD ATM fee will be applied and will be converted into the last Currency being used to fund the transaction at a foreign exchange rate determined by MasterCard on the day the transaction is processed. If the Dynamic Currency Conversion option is selected and the transaction carried out in the cardholder s home currency, this will be reflected in the international Withdrawal Fee. Due to conversion rates this may differ from those listed above. 5 If an ATM displays a balance for your Card Account, the balance displayed may be inaccurate due to the ATM displaying the balance in a currency different than the Currencies on your Card. This may be due to an exchange rate being applied that is different from ours. An ATM will not display a balance for each Currency. An accurate balance for each Currency can be obtained through My Account at 6 A monthly inactivity fee will be charged after six (6) months of inactivity. See section.8 of your terms and conditions for details.

5 LOAD, WITHDRAWAL and SPEND LIMITS (including all Currencies) Load ations Maximum Card Balance USD 8,500 Maximum Initial Load and Reload Amounts (Additional limitations may apply depending on method of reload) USD 0,000 (per 7 day period) (maximum Card Balance at any one time cannot exceed USD 8,500) USD 0,000 (per 0 day period) Maximum Load and Reload amounts during a month period (for all Cards) USD 0,000 Minimum Initial Load amount USD 00 Minimum Reload amount USD 00 Withdrawal ations ATM Cash Withdrawal limitation USD,000 (per 4 hour period) Bank Teller Cash Withdrawal limitation USD 50 (per 4 hour period) Spend ations Purchase Transaction limitation USD 5,000 (per 4 hour period) Other ations Number of Active Card Accounts at any one time These limitations are subject to change. Please see your Cardholder Agreement for complete terms and conditions. Alternatively, visit for the most current list of limitations. Contact numbers If you need to report a Card lost, stolen or damaged or have a query that is account specific, you can call Card Services on: Calling from Call free on USA/Canada (877) Australia Brazil (from landline) France Japan Mexico South Africa Spain UK For a full list of countries, visit Alternatively, call from Anywhere in the world (including cell phone) Charges may apply if calling from a hotel or cell phone. Please remember to add the international prefix of the country you are in at the beginning of this number (in most cases 00). Calls to this number are not free of charge and will be subject to the network or location where you are calling from. Multi-currency Cash Passport Prepaid MasterCard is issued by MetaBank, member FDIC, pursuant to license by MasterCard International Inc. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Accel and the Accel logo are trademarks of Fiserv, Inc. CP086/V/045

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