CARDHOLDER AGREEMENT PLEASE READ CAREFULLY Last updated June 1, 2017

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1 CARDHOLDER AGREEMENT PLEASE READ CAREFULLY Last updated June 1, 2017 By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that you have read and understand all the terms and conditions of this Agreement and you agree to be bound by them. The effective date of this Agreement is the date you first receive, use or authorize the use of, register or activate the Card. If you do not agree to the terms of this Agreement, you may not use the Card. If you cancel your Card within thirty (30) days of receipt, we will refund any initial purchase fee or monthly charge assessed and any funds remaining on your Card. Please review these terms carefully and keep a copy for your reference. This Cardholder Agreement ( Agreement ) is a legally binding contract between Central National Bank of Enid, Oklahoma, Member FDIC ( Issuer ) and you ( you/your ), the person or persons authorized by us to use a prepaid payment card (the Card ) issued by us pursuant to our Cupre Prepaid Visa Card Program, which is serviced by our service provider and Card distributor, Credit Union 24, Incorporated ( Servicer ). Collectively, the Issuer and the Servicer are referred to in this Agreement as we/us/our. This Agreement sets forth the terms and conditions of the Program and governs your use of the Card. As used in this Agreement, business days means Monday through Friday, excluding federal holidays, even if we are open. Any references to "days found in this Agreement are calendar days unless indicated otherwise. Fee Schedule All fees assessed by Cupre are deducted from the available balance in your Card Account. If your Card Account does not have sufficient funds available to cover a fee, the transaction will be declined. The fees that apply to your Card Account are as follows: Get Started All Fees Amount Details Card Purchase and Initial Load $4.95 One-time fee for card purchase, charged at the time of the initial load to your Cupre Prepaid Visa Card. Secondary Card Purchase $4.95 Fee charged for purchase of a secondary Cupre Visa Prepaid Card. Monthly Usage Monthly Fee $4.95 Fee per card occurs monthly on anniversary date of card activation. Add Money Direct Deposit This is our fee for direct deposit to the card. Cash Reload (Credit Union) This is our fee. Additional reload network fees may apply. Cash Reload (ReadyLink) This is our fee. Additional reload network fees may apply when reloading your card at ReadyLink reload locations. Locations may be found at Funds Transfer This is our fee to transfer funds from bank account to card. Card to Card Transfers Spend Money Domestic ATM Withdrawal-In Network This is our fee to transfer funds from primary card to secondary card or secondary card to primary card. This is our fee. "In-network refers to the Cupre Visa Prepaid Card ATM Network consisting of CU24, CUHere, CUHere Select, MoneyPass and Allpoint ATMs. Locations can be found at Domestic ATM Withdrawal $1.00 This is our fee, applied only to transactions at ATMs outside of the Cupre ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Bank Teller Withdrawal $2.50 Purchase Transaction Cash Back at Point of Sale Domestic ATM Decline-In Network Domestic ATM Decline $1.00 Information This is our fee. You may also be charged an additional fee by the Bank to conduct the withdrawal. This is our fee when making a PIN or Signature purchase at retailers. Retailers may charge additional fees. This is our fee. Select Debit and enter your PIN to get cash back when making a purchase at retailers. Retailers may charge additional fees. This is our fee. "In-network refers to the Cupre Visa Prepaid Card ATM Network consisting of CU24, CUHere, CUHere Select, MoneyPass and Allpoint ATMs. Locations can be found at This is our fee, applied only to transactions at ATMs outside of the Cupre ATM Network. You may also be charged a fee by the ATM operator. Automated and Live Agent Phone Calls This is our fee for each customer service contact with a live agent. and Text Message Alerts This is our fee. Standard text messaging rates may apply. Mobile Application This is our fee. Standard data rates and service carrier fees may apply. Mailed Paper Statement Fee $5.00 Domestic ATM Balance Inquiry - In-Network Domestic ATM Balance Inquiry $1.00 Using your card outside the U.S. This is our fee for each mailed paper statement that is requested. View your statement online at no fee. This is our fee. "In-network refers to the Cupre Visa Prepaid Card ATM Network, consisting of CU24, CUHere, CUHere Select, MoneyPass and Allpoint ATMs. Locations can be found at This is our fee, applied only to transactions at ATMs outside of the Cupre ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. ATM Withdrawal - International $1.00 This is our fee. You may also be charged a fee by the ATM operator. ATM Decline - International $1.00 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.

2 ATM Balance Inquiry - International $1.00 Foreign Currency 3% Other Inactivity Fee This is our fee for inactivity on the card. This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. This is our fee. You may also be charged a fee by any retailers or financial institutions involved in your transaction. Replacement Card (Standard Delivery) $5.00 This is our fee per replacement card ordered. Replacement Card (Expedited Delivery) $30.00 This is our fee per replacement card ordered. Balance Refund Paper Check $15.00 This is our fee per paper check requested. Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Central National Bank, Enid, Oklahoma, a FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Central National Bank, Enid, Oklahoma fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details. No overdraft/credit feature. Contact Cupre Cardholder Services by calling MYCUPRE ( ), by mail at PO Box 13899, Tallahassee, FL or visit For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at or visit cfpb.gov/complaint. Prepaid Account Description You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or which have been loaded into the Card Account on your behalf. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not for resale. You will not receive any interest on your funds in the Card Account. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card and Card Account are not designed for business use, and we may close your Card Account if we determine that it is being used for business purposes. Opening a New Card Account To help the government fight the funding of terrorism and money laundering activities, we are required by federal law (including without limitation under the Bank Secrecy Act and PATRIOT Act) to obtain, verify, and record information that identifies each person who opens a Card Account. Accordingly, when you apply for or open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also require you to present your driver's license or other identifying documents. By signing up for a Card Account, you represent and warrant to us that (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or alien residing in the United States or its territories; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); and (iv) the personal information that you provide to us in connection with the Card is true, correct and complete in all respects. If any information you provide to us changes after registration, you agree to notify us of the change promptly. How to Activate Your Card You must activate your Card before it can be used. You may activate your Card at or through the Cupre mobile app, available from the Apple App Store or Google Play. During activation, we may request that you provide the card security code printed on the front and/or back of your card, as well as additional identifying information we may request, including but not limited to your name, phone number, date of birth, zip code, and a form of identification How to Register Your Card If you received a non-personalized Card (i.e., your name does not appear on the front), such as at a credit union branch ( Credit Union ), your card is an un-registered card and you must register your Card at or through the Cupre mobile app, available from the Apple App Store or Google Play, before you can use it for certain types of transactions (see Using Your Card below). Please follow the directions that came with your Card in order to register it. After you register your Card, we will send you a new Card bearing your name and new card number. We reserve the right to refuse activation or delay activation and use of the card for up to twenty-four (24) hours, in our sole discretion. You may still use an unregistered up to the value stored on the Card, but you will not be able to reload the Card or receive a personalized Card. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. Once you receive and activate your new, personalized Card, your non-personalized card will be cancelled and any remaining funds in your Card Account will be accessible through your new Card. You are permitted no more than one (1) Card per Social Security Number. Personal Identification Number You will not receive a Personal Identification Number ( PIN ) within your Card packet. You will be required to select your own PIN for your Card Account when you activate your card. Your PIN is a security feature which will be needed for certain transactions including cash withdrawals and certain purchase transactions. It identifies you as the proper user of the Card and authorizes transactions that you make with the Card. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately at the number on the back of your Card and by following the procedures in the paragraph labeled "Your Liability for Unauthorized Transfers. If you lose or forget your PIN, you may visit our website to reset your PIN. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred through the use of your Card and/or PIN. If you permit another person to have access to your PIN, Card or Card number, we will treat this as if you have authorized such use and you will be liable for, and you will hold us harmless from, all transactions, costs, losses, damages and fees incurred or caused by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement. Secondary Cardholder You may request an additional Card for another person. The maximum number of additional Cards permitted is three (3). You must notify us to revoke permission for any person you previously authorized to use the Card. If you notify us to revoke another person's use of the Card, we may revoke your Card and issue a new Card with a different number. You remain liable for any and all usage of an additional Card you authorize. We may limit the number of Cards that you can register for in our sole discretion. Loading Your Card You may add funds to your Card Account, also called "value loading", at any time. The initial value load, as well as each value reload, is referred to in this Agreement as a "load". The initial value load must be at least $4.95 and each value reload is $0.01. You may load your Card Account via ACH transaction from your checking or savings account, direct deposit from your employer, federal or state benefits or tax refund. Those payments made from federal

3 agencies must be in the name of the registered cardholder; otherwise they are subject to being returned to the federal agency that originated the item. You may also reload your Card Account using cash at ReadyLink Retail Reload locations or participating Credit Union branches. Limitations on amounts that may be loaded to your Card Account may be found on the attached Limitations table. In addition, ReadyLink may impose different load limitations. You can obtain information on how to load your Card Account at Personal checks, cashier's checks, and money orders sent to the Issuer or Servicer are not an acceptable form of loading. However, at our discretion, we may accept such payments to be applied to a negative balance on the Card Account. All other checks and money orders will be returned. You cannot load funds to your Card Account at ATMs. All loads must be in U.S. dollars. If you choose to load funds onto your Card Account at an in-person location such as at a Credit Union branch, you may be asked to present your Card and identification. All loads are subject to anti-fraud verification procedures, and we reserve the right to reject any load attempts or delay access to the loaded funds until such verification procedures are completed. If you load your Card Account with cash, a hold will be placed on 25% of the funds loaded for one hour after the load is completed, and only 75% of the funds will be available for cash withdrawal from an ATM or a bank teller (see Cash Access below). Direct Deposit Account Your prepaid Card Account and associated Direct Deposit account number cannot be used for preauthorized direct debits or recurring payments from merchants or from utility or internet service providers. If presented for payment, these preauthorized direct debits or recurring payments will be declined and your payment to the merchant or provider will not be processed. Each cardholder is given a Routing and Transit number and a pseudo account number they can provide to their employer to set up direct deposit with their employer. The bank routing number and Direct Deposit account number are for the purpose of initiating Direct Deposits to your prepaid Card Account only. You are not authorized to provide this bank routing number and Direct Deposit account number to anyone other than your employer or payer. Using Your Card/Features Your Card may be used wherever Visa debit cards are accepted. However, unregistered and/or non-personalized Cards may not be used: (i) at a merchant that uses a manual imprint machine; (ii) at ATMs or for cash back at any point of sale device or (iii) at merchants outside of the United States (including internet websites based outside the United States). If you received a non-personalized Card and you wish to use your Card for any of the uses described in this paragraph, you must first register it (see How to Register Your Card above). Once registered, your Card may be used to (i) add funds to your Card Account (see section labeled Loading Your Card above), (ii) purchase goods or services wherever Visa debit cards are accepted, and (iii) withdraw funds from your Card Account. Fees and limitations on these transactions may be found on the Fee Schedule and Limitations table. Some services may not be available at all terminals. The Card may be used without a PIN to make purchases. Protect your PIN at all times. You may use your Card to purchase or lease goods or services everywhere Servicer and Visa Debit cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. The Card cannot be used to purchase fuel at an automated fuel dispenser as a pay-at-the-pump transaction, and attempts to use the Card at the pump will be declined. When you purchase gas you should pay for your purchase inside with the cashier. If you use your Card at a restaurant or other merchant where tipping is common, the merchant may preauthorize an amount greater than the purchase amount. For hotels, car rentals, or similar purchases where a deposit is commonly collected in advance, the merchant may request a preauthorization of $300 or more as an estimate of the final amount. Any preauthorization amount will place a "hold" on your available funds in your Card Account until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 7 10 business days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You may not use your Card for online gambling activities or any illegal or fraudulent transaction. We may refuse to process any transaction that we believe may violate the terms of this Agreement or may be fraudulent or illegal. When you purchase goods and services using your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. At the time of the transaction you must have sufficient funds available in your Card Account, or we will decline the transaction. Nevertheless, in some instances, transactions may result in a negative balance on your Card Account (for example, if there is a delay with the acquirer submitting the transaction and there are not enough funds in your Card Account at the time the transaction is processed, or if fees are assessed to your Card Account and there are not enough funds to cover the assessment). If at any time any transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. We may deduct the negative balance owed from any current or future funds loaded to your account or any other account you activate or maintain with us. If your Card Account has a zero or negative balance, we may at our option cancel your Card Account transactions. You agree to correct any negative balances by loading the Card Account with sufficient funds within five (5) days from the date the negative balance arises. If a negative balance is created due to an unauthorized transaction, please refer to the sections of this agreement titled Your Liability for Unauthorized Transactions and Information About Your Right to Dispute Errors You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized recurring or regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Cash Access Using your PIN, you may use your Card to obtain cash from any ATM or any point-of-sale device provided by a participating merchant that bears the CU24 or Visa acceptance mark. All ATM transactions are treated as cash withdrawal transactions for the purposes of assessing fees and certain limitations or restrictions, as provided in the Fee Schedule and Limitations tables attached to this Agreement. Merchants, financial institutions, and ATM operators may impose additional withdrawal limits. You may also obtain cash using your Card from a bank teller, for an additional fee as set forth in the Fee Schedule. Only 75% of funds loaded via cash are available for withdrawal at ATMs or bank tellers for one (1) hour after each cash load. If you use an ATM not owned by us for any transaction, including a balance inquiry (even if you do not complete a withdrawal), you may be charged a fee or surcharge by the ATM operator. This ATM fee is a third-party fee and is not assessed by us. This ATM fee and other third party fees will be deducted from your Card Account. You can avoid ATM surcharges by using CUHere, Allpoint or MoneyPass branded ATMs. To locate the nearest surcharge-free ATM, you can use the ATM locator tool available on our cardholder website at or on the Cupre mobile app. Card Limitations and Restrictions The Limitations Table provided at the end of this Agreement sets forth certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and, to the extent permitted by applicable law, without prior notice to you. Transactions attempted with the Card may be denied if you (i) exceed the transaction limitations described in the Agreement, (ii) do not have adequate funds available in your Card Account, (iii) do not enter the correct PIN, or (iv) we otherwise have reason to believe the transaction is fraudulent or not in compliance with the terms of this Agreement. By agreeing to these terms and conditions, you agree that the Issuer or Servicer shall not be held liable and will be blameless for any damages resulting from approved transactions with merchants of the type of the list of Restricted Merchants who utilize an Merchant Category Code (MCC code) that is NOT a designation of restricted use; for example, a merchant transmits a request for authorization with an MCC code of restaurant yet the underlying purchase is for liquor.

4 Returns and Refunds The Servicer, the Issuer, the card network and their affiliates, employees, and agents are not responsible for the goods or services purchased with the Card. Exchange or return of merchandise purchased in whole or in part with the Card is governed by the policies of each merchant and applicable law. We are not responsible for the return or exchange of any merchandise purchased with the Card. Neither the Issuer nor Servicer is responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card, and neither the Issuer nor the Servicer provide any warranty regarding the goods and services purchased. All disputes relating to purchases must be addressed and handled directly with the merchant from whom those goods or services were provided. If you are entitled to a refund for any goods or services obtained with your Card, the merchant will have the right to provide the refund to you in credit to your Card Account, and you will not be entitled to receive a cash refund unless offered by the merchant in its sole discretion. If the merchant issues a credit to the Card, the funds may not be available for up to seven (7) business days. Card Valid Thru Date and Card Replacement The Card is valid and usable until the expiration date embossed on the Card. If there is a balance remaining on the Card Account after the expiration date, for a period of twenty-four (24) months, or such longer period required by law, you may call our customer service center at the number on the back of your Card and request that the remaining balance be transferred to a new Card or refunded to you. If you need to replace your Card for any reason, please contact us at MYCUPRE ( ) to request a replacement Card. You will be required to provide personal information to verify your identity, which may include your Card number, full name, transaction history, copies of accepted identification, etc. There is a fee to reissue a replacement card and a fee to close your Card Account and issue a paper check for the balance, each as set forth in the Fee Schedule above. Transactions Made In Foreign Currencies If you withdraw your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted into an amount in the currency of your Card Account by Visa using a rate selected by Visa based on the date the transaction is processed, which may be different than the rate on the date you made the transaction. You will also be assessed a foreign currency conversion fee of 3% of the transaction amount. Transactions made outside of the United States are subject to this conversion fee even if they are completed in U.S. currency. The above fees are in addition to any fees or other amounts charged by the merchants, financial institutions, or ATM operators or networks, or other third parties involved in your transaction. Receipts You are entitled to a receipt at the time you make a transaction using your Card, in accordance with Visa operating rules. However, in accordance with such rules, some merchants may not be required to provide a receipt for small dollar purchases. You are responsible for retaining, verifying, and reconciling your transactions and receipts. Card Account Balance/Periodic Statements You may obtain information about the amount of money you have remaining in your Card Account by calling MYCUPRE ( ). This information, along with a 60-day history of account transactions, is also available online at or by using the Cupre mobile app. If your account is registered with us, you also have the right to obtain at least 60-day of written history of account transactions by calling MYCUPRE ( ), or by writing us at Cardholder Services, PO Box Tallahassee, FL However, there is a fee for this service. You will not automatically receive paper statements. Confidentiality We may disclose information to third parties about your Card Account or the transactions you make: 1. Where it is necessary for completing transactions or otherwise as necessary to fulfill our obligations under this Agreement; 2. In order to verify the existence and condition of your Card for a third party, such as merchants; 3. In order to comply with government agency, court order, or other legal or administrative reporting requirements; 4. If you consent by giving us your written permission; 5. To our service providers who administer the Card Account to permit them to complete such services, such as data processing, records management; collections, and other services; 6. In order to prevent, investigate, or report possible illegal or fraudulent activity; or 7. As otherwise permitted by applicable law. Our Liability for Failure to Complete Transactions If we do not properly complete a transaction to or from your Card in the correct amount according to our Agreement with you, in certain circumstances we will reimburse you for losses or damages you incur as a result of our actions or omissions. However, there are some exceptions. We will not be liable, for instance: 1. If you do not have enough funds available on your Card to complete the transaction; 2. If a merchant refuses to accept your Card; 3. If an ATM where you are making a cash withdrawal does not have enough cash; 4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; 5. If access to your Card has been blocked after you reported your Card lost or stolen; 6. If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use; 7. lf we have reason to believe the requested transaction is unauthorized; 8. If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or 9. Any other exception stated in this Agreement, or to comply with applicable law or Visa rule. Your Liability for Unauthorized Transactions Except as otherwise stated herein, you are responsible for all transactions initiated through the use of your Card, including any PIN-based transactions, any transactions initiated by presenting the Card number only and any authorized transactions initiated by someone else. If you believe your Card or Card Account login information has been lost or stolen, or has been used without your permission, call the number or write to the address listed under Servicer in the Contact Information section below. Notify us AT ONCE if you believe your Card or Card Account login information has been lost or stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen online at or by calling us at MYCUPRE ( ). If you notify us within two (2) business days after you learn of the loss or theft of your Card or Card Account login information, your losses will be limited to $50 or such other amount provided by law, if your Card Account suffers losses of at least that amount due to unauthorized usage. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Card or Access Information, and you suffer losses due to unauthorized usage, then you may be liable up to $500, or such other amount provided by law, if such losses could have been prevented had you timely notified us. Also, if your statement shows transfers you did not make, including those made by Card, code or other means, notify us at once. If you do not notify us within 60 days from the earlier of the date you electronically access your Card 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 timely notified us. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods, in our sole discretion or as required by law or rule. You may have additional rights under the Visa Zero Liability policy described

5 below, and in some instances such rules provide that you will not be liable for unauthorized use of your Card. Visa Zero Liability Your Card Account is covered by Visa Zero Liability Protection. Under Visa Zero Liability Protection, your liability for unauthorized Visa transactions on your Card is $0 if (a) you notify us promptly at the address and phone number listed under Servicer in the Contract Information section below, and (b) you are not grossly negligent and have not acted fraudulently in the handling and use of your Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely in attempts to recover funds from unauthorized users and to assist in their prosecution. Zero liability applies to purchases made in the store, over the telephone or made online. If your Card is lost or stolen, you will not be responsible in the event of unauthorized purchases provided that the following conditions are met: 1. Your Card is in good standing; 2. You have exercised reasonable care in safeguarding your Card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your Card and you received no benefit from the "unauthorized" purchase (failure to register certain Cards will be considered as not safeguarding your Card); 3. You have not reported two or more unauthorized events in the past 12 months. Visa Zero Liability Protection covers U.S. issued cards only; and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If your card is a non-registered card as described above, your card is not eligible for Visa Zero Liability Protection. Your non-registered card is eligible for the error resolution process described in the section of this cardholder agreement titled Information About Your Right to Dispute Errors. Information About Your Right to Dispute Errors In case of errors or questions about your Card Account, call us at MYCUPRE ( )or write us at Cardholder Disputes, 1300 Island Dr. Suite 105, Redwood City, CA or us at support@mycupre.com as soon as you can, if you think an error has occurred in your prepaid 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 MYCUPRE ( ) or writing us 1300 Island Dr. Suite 105, Redwood City, CA You will need to tell us: 1. Your name and Card Account number; 2. Why you believe there is an error, and the dollar amount involved; and 3. Approximately when the error took place. If you provide this information orally, we may require that you send us your complaint or question in writing in ten (10) business days. We will determine whether an error occurred within ten (10) business days of hearing 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 and your card is registered with us, we will provisionally credit your Card Account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and you do not provide it within ten (10) business days, we may not credit your Card. For errors involving new accounts, point-of-sale (POS), or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your 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 MYCUPRE ( ) or visit It is important to register your prepaid account as soon as possible. Unless you register your account, we may not credit your account in the amount you think is in error until we complete our investigation. To register your account, go to or by using the Cupre mobile app. We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number or government-issued identification number), so that we can verify your identity. Disclaimer OTHER THAN AS EXPRESSLY SET FORTH HEREIN, ISSUER AND SERVICER MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, RELATED TO THE CARD, CARD ACCOUNT, AND SERVICES PROVIDED UNDER THIS AGREEMENT, AND ISSUER AND SERVICER EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, AVAILABILITY, AND NON-INFRINGEMENT. THE CARD, CARD ACCOUNT, AND SERVICES ARE PROVIDED SOLELY ON AN AS IS AND AS AVAILABLE BASIS. YOU UNDERSTAND AND AGREE THAT THE CARD, CARD ACCOUNT, AND SERVICES MAY NOT BE AVAILABLE, UNINTERRUPTED, SECURE, ACCURATE, COMPLETE, ERROR FREE, OR COMPATIBLE WITH YOUR HARDWARE OR SOFTWARE PLATFORMS. NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, IS PROVIDED FOR LOSS OF DATA, PERFORMANCE, OR REVENUE, OR FOR FAILURE TO FUNCTION PROPERLY OR MEET YOUR NEEDS. ISSUER AND SERVICER DO NOT WARRANT OR GUARANTEE ACCESS TO CARD ACCOUNTS OR ASSOCIATED NETWORKS AND HAVE NO LIABILITY FOR ANY DOWN- TIME OF SERVERS RELATED TO PROCESSING OF TRANSACTIONS. NO WARRANTY OF ANY KIND IS PROVIDED REGARDING THE MERCHANT WITH WHOM YOU USE THE CARD, OR THE PRODUCTS AND SERVICES PURCHASED WITH THE CARD. YOU MAY NOT RELY ON ANY REPRESENTATION OR WARRANTY REGARDING ISSUER, SERVICERS, THE CARD, CARD ACCOUNT, OR SERVICES FROM ANY THIRD PARTY. Address or Name Changes You are responsible for notifying us of changes in your mailing address, address or telephone number within two weeks of the change. Any written communications with you will be only by use of the most recent mailing address, address and telephone number that you provided and you agree that any notice or communication sent to the mailing address, address or telephone number noted in the account records shall be effective unless a notice is received from you. Failure to promptly notify us of changes in your contact information may result in information being mailed or delivered to the wrong person or your transactions being declined. Any notice given by us shall be deemed given to you if mailed to you at the last U.S. mailing address furnished by you for the Card Account. You agree that we may accept changes of address from the U.S. Postal Service. You also agree that if you attempt to change your address to a non-u.s. address, your Card Account may be cancelled and funds returned to you in accordance with this Agreement. Unclaimed Property If there is no record of Card activity for an extended period of time, applicable escheat state law may require the Bank to report the balance on the Card as unclaimed property. If this occurs, we may try to locate the owner of the Card at the address shown in our records. If we are unable to locate you, we may be required to deliver any value remaining on the Card to the state as unclaimed property. Other Miscellaneous Terms This Agreement sets forth entire understanding and agreement between you and us, whether written or oral with respect to its subject matter and supersede any prior or contemporaneous understandings or agreements with respect to their subject matter. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions, including without limitation operating rules promulgated by Visa. Not all services described in this agreement are available to all persons or at all locations. Any offer of service in this Agreement shall be deemed void where prohibited.

6 Your Card and your obligations under this Agreement may not be assigned by you. Any attempt to the contrary shall be null and void. This agreement shall be binding on you, your executors, administrators, and any permitted assigns. We may transfer or assign our rights, or delegate any or all of our obligations, under this Agreement. From time to time, the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your Card balance. Please notify us immediately you have any problems using the Card. You agree and accept that we are not responsible for any interruptions of service. We do not waive our rights by delaying or failing to exercise them at any time. To the extent permitted by law, and as permitted by the Arbitration section below, you agree to be liable to us for any loss, costs, or expenses, that we may incur as a result of any dispute or legal proceeding involving your Card Account. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable. This Agreement will be governed by the law of the State of Oklahoma except to the extent governed by federal law. Any actions or proceedings with respect to this Agreement or any services provided under this Agreement shall be brought only before a federal or state court of competent jurisdiction in Oklahoma. Consent to Electronic Delivery of Card Account information By applying for a Card, you consent to electronic delivery of account information. You may revoke this consent at any time by sending an to esign@mycupre.com and stating that you no longer wish to receive account information electronically. You may also send a letter revoking consent to: Cupre Cardholder Services PO Box Tallahassee, FL Amendment and Cancellation We may amend or change the terms of, or add new terms to this Agreement at any time by giving you notice, except as required by applicable law However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card Account or this Agreement at any time. You may cancel this Agreement by returning the Card to us. In addition, we may suspend, cancel, add, modify, or delete any feature offered in connection with your Card or Card Account at our sole discretion at any time, with or without cause, and without giving you notice, subject to applicable law. We may close or suspend this Card or temporarily or permanently limit specific activities the Card can perform at any time upon suspecting or observing potentially fraudulent activity or activity otherwise prohibited by this agreement. In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you. The unused balance will be returned via a check to the mailing address we have in our records, unless we have reason to believe you have engaged in fraudulent or illegal activity. There is a Balance Refund Check Fee associated with this service (see the Fee Schedule for additional details). The Issuer reserves the right to refuse to return any unused balance amount less than $ Any termination of this Agreement will not affect any of our rights or your obligations that arose under this Agreement prior to termination. English Language Controls Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English. Communications If you provide us with your mobile phone number or contact us from your mobile number, you expressly agree that you are providing this phone number for us or any third party acting on our behalf to contact you at this number. You agree that we may use this phone number to contact you for any business purpose about your Card Account and you agree to be responsible for any fees or charges you incur as a result of providing this information. You may request this number not be used. We may offer options that allow you to receive or access text messages or other electronic communications from your mobile phone. By enrolling for these types of communications, you understand and agree to be responsible for any fees or charges you incur as a result of this enrollment. You agree that we may contact you from time to time regarding your Card Account in any manner we choose unless the law says we cannot. For example, we may contact you by mail, telephone, , fax, recorded message, text message, by using an automated dialer device. We may contact you at home, at your place of employment, on your mobile telephone, at any time including weekends and holidays, at any frequency and leave prerecorded messages or messages with others. When we attempt to contact you, we may identify ourselves, our relationship and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Card Account are not unsolicited. We may monitor or record any conversation or other communication with you. Telephone Monitoring/Recording From time-to-time, we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law. Arbitration of Claims NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES BE RESOLVED BY WAY OF BINDING ARBITRATION UNLESS YOU OPT-OUT AS DETAILED IN THE ARBITRATION SECTION BELOW. READ THIS ARBITRATION PROVISION. UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH a, CAPTIONED "OPT-OUT PROCESS," THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE. a. General: This Arbitration Provision describes when and how a Claim (as defined below) may be arbitrated. Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings are private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. As solely used in this Arbitration Provision, the terms "we," "us" and "our" mean not just the Issuer but also our parent companies, subsidiaries, affiliates, successors, assigns and any of these entities' employees, officers, directors and agents. Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a written opt-out notice which contains your Card Account number, your name and address and a signed statement that you opt out of the Arbitration Provision of this Agreement. The opt-out notice must be sent to us by mail at: Cupre Cardholder Services, PO Box Tallahassee, FL (You should retain a copy of your opt-out notice and evidence of mailing or delivery.) An opt-out notice is only effective if it is signed by you and if we receive it within thirty (30) days after the date you received this Agreement. Indicating your desire to opt-out of this Arbitration Provision in any manner other than as provided above is insufficient notice. Your decision to opt-out of this Arbitration Provision will not have any other effect on this Agreement and will not affect any other arbitration agreement between you and us, which will remain in full force and effect. If you don't reject this Arbitration Provision, it will be effective as of the date you received this Agreement. b. What Claims Are Covered: "Claim means any claim, demand, dispute or controversy between you and us that in any way arises from or relates to your Card Account (whether past, present or future). For purposes of this Agreement, the term claim" shall have the broadest possible meaning. Despite the foregoing, "Claim" does not include any individual action brought by you in small claims court or your state's equivalent

7 court, unless such action is transferred, removed, or appealed to a different court. c. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require any Claim to be arbitrated. Arbitration is started by initiating arbitration or required by giving written notice to the other party requiring arbitration. This notice may be given before or after a lawsuit has been started over the Claim and may address any Claims brought in the lawsuit provided that a party may not pursue a Claim in a lawsuit and then seek to arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit or an arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this Arbitration Provision, the applicable rules of the arbitration Administrator. d. Choosing the Administrator: Administrator" means the American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, NY 10019, JAMS, 1920 Main St. at Gillette Ave., Suite 300, Irvine, CA 92614, or any other company selected by mutual agreement of the parties. If AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent the Administrator will be selected by a court. The party asserting the Claim (the "Claimant ) may select the Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class Action Waiver. e. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. f. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY ARBITRATION. g. Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location reasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by the Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator and/or arbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts and witnesses. You will bear the expense of your attorneys, experts and witnesses if we prevail in arbitration. However, if you are the Claimant, we will pay your reasonable attorney, expert and witness fees and costs if you prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will bear any fees and costs if applicable law requires us to do so. h. Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C (the "FAA"), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is authorized to award all remedies permitted by the substantive law that \would apply if the action were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award. i. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement any legal proceeding and any bankruptcy, to the extent consistent with applicable bankruptcy law. This Arbitration Provision survives any termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other hand, this Arbitration Provision shall govern. j. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered into by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may exist with respect to such determination, any class action or representative proceeding shall be determined in a court of law and will not be subject to this Arbitration Provision. Card Limitations Transaction Type Personalized (Registered) Cardholders - Transaction Limits Defined Time Frame Primary Card Amount Maximum Card Balance Maximum Allowable Card Balance $10,000 $5,000 Card to Card Transfers Daily Maximum Transfer Limit $1,000 $250 Card to Card Transfers Monthly Maximum Transfer Limit $2,000 $1,500 Bank to Card Transfers Daily Maximum Transfer Limit $750 $500 Bank to Card Transfers Monthly Maximum Transfer Limit $7,500 $2,000 Direct Deposit Load Daily Maximum Direct Deposit Limit $5,000 $5,000 Direct Deposit Load Monthly Maximum Direct Deposit Limit $10,000 $7,500 Cash Load Daily Maximum Cash Load Limit $950 $950 Cash Load Monthly Maximum Cash Load Limit $4,500 $2,000 ATM Withdrawal - Domestic Daily Maximum ATM Withdrawal Limit $500 $500 ATM Withdrawal - Domestic Monthly Maximum ATM Withdrawal Limit $2,000 $2,000 ATM Withdrawal - International Daily Maximum ATM Withdrawal Limit $300 $300 ATM Withdrawal - International Monthly Maximum ATM Withdrawal Limit $1,000 $1,000 Secondary Card Signature, Online and PIN POS Purchase-Domestic Daily Maximum Signature, Online, and PIN POS Limit $1,500 $1,500 Amount