Document Upload

Visa’s Zero Liability Policy protects you against unauthorized transactions processed by Visa. You must call the number on the back of your Card

immediately to report any unauthorized use.

Some fees may apply. Login to your account online or contact Cardholder Services for a full list of fees.

Standard messaging charges apply through your mobile carrier and message frequency depends on account settings.

The U.S. Bank Focus Card Mobile App is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web

access is needed to use Mobile App. Check with your carrier for speciﬁc fees and charges.

Businesses performing your reload may charge a fee. Cash reload services are provided by unafﬁliated third parties. U.S. Bank is not responsible for

the product service or performance of the third party including the privacy policy, level of security and terms of use, which are different from ours.

U.S. Bank

Focus Card

™

Look for your card in the mail! For security, your card comes in a plain white

envelope with an Indianapolis, IN return address.

Activate your card and set up your online account by visiting www.usbankfocus.com.

Use Your Card

Make Purchases

Everywhere Visa debit cards are accepted.

Load and Reload

Add other employers, government beneﬁts,

tax refunds or any other payment that offers

direct deposit.

Pay Bills Online

By visiting your billers’ websites and providing

your 16-digit card number and expiration date.

Get Cash

Get cash

at any ATM, at any bank or credit union

or get cash back with purchases at participating

merchants such as grocery or convenience stores.

Track Spending

Cardholder Website

Check balance, view recent transactions,

Text and Email Alerts

Instant notiﬁcation when money is added,

a purchase is made or when your card

balance gets low.

Mobile Banking App

Quickly see your account balance and

transaction history from your smartphone.

Get Started

See back for more

card features

The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for

receiving your payments. It is not a credit card, but works similarly to other debit cards. Your payments will

automatically be direct deposited to your card and your funds are protected if your card is ever lost or stolen.

Additional Focus Card Features

Transaction Fees

Contact

Cash Back Rewards

Earn rewards simply by using your card at certain

stores and restaurants, after activating the offers that

you want – no promotion codes or coupons needed.

PayPerks

PayPerks is a rewards program that gives you

chances to win cash for learning about your Focus

Card. Learn about the perks of your card through

PayPerks’ quizzes and games. Plus, earn points

just for using your card. Each point earned is an

entry to win cash in our monthly sweepstakes!

Add A Card

Request a second card with access to your

account for a friend or family member.

Cash Reload Networks

In addition to payroll deposits, you can also

deposit cash to your card at thousands of retail

locations nationwide through GreenDot

Reload

@ the Register

™

or Visa

ReadyLink.

Savings Account

Create an interest-bearing savings account

without ever going to a bank.

Transactions With Fees

Out of Network ATM Cash Withdrawal $2.00

Out of Network ATM Declined Withdrawal $0.50

Out of Network ATM Balance Inquiry $1.00

International ATM Cash Withdrawal $3.00

International ATM Declined Withdrawal $0.50

International ATM Balance Inquiry $1.00

Card Replacement (standard 7-10 bus. days) $5.00

Card Replacement (expedited 2 bus. days) $15.00

Foreign Transactions 3% of transaction

Account Inactivity (after 90 consecutive

days of no activity)

$2.00/month

Paper Statement (if requested) $2.00/month

Purchases Free

Cash Back with Purchases Free

Teller Cash Withdrawal Free

Customer Service Free

In-Network ATMs

(U.S. Bank, MoneyPass & Allpoint)

Free

Alerts

Free

Free Transactions

877-474-0010 | usbankfocus.com

To learn more visit www.usbankfocus.com

Transactions are subject to limitations on the number and dollar amount of transactions performed each day.

Some fees may apply. Login to your account online or contact Cardholder Services for a full list of fees.

Standard messaging charges apply through your mobile carrier and message frequency depends on account settings.

The U.S. Bank Focus Card Mobile App is free to download. Your mobile carrier may charge access fees depending upon your individual

plan. Web access is needed to use Mobile App. Check with your carrier for speciﬁc fees and charges.

Pay Bills

You can visit your billers’ websites and provide your

16-digit card number and expiration date.

Track Your Spending

ONLINE

• View account online at usbankfocus.com.

PHONE

• Call Focus Cardholder Services at 877-474-0010.

(We accept relay calls)

TEXT/EMAIL

• Sign up to receive email or text alerts when funds have been

deposited to your account or when your balance gets low.

ATM

• Perform a balance inquiry at an ATM.

MOBILE BANKING APP

• Search for “U.S. Bank Focus” in the App Store or Google Play.

U.S. BANK FOCUS CARD

™

USAGE GUIDE

Account Access

CALL 877-474- 0010

VISIT usbankfocus.com

Make Purchases

Your Focus Card can be used wherever Visa

debit

cards are accepted. There is no cost to make domestic

purchases in stores, over the phone or online.

• Know your available balance.

• Select “CREDIT” on the authorization machine.

• Or select “DEBIT” and enter your PIN.

Get Cash

ATM

• Enter PIN.

• Select “WITHDRAWAL” from “CHECKING”.

BANK OR CREDIT UNION TELLER

• Know your balance (the teller will not have access

to this information).

• Ask for the amount you wish to withdraw

(you can’t go over your balance).

• You may need to provide your ID.

CASH BACK

You can ask for “cash back” when you make purchases

at places like the grocery store or retail store.

• Select “DEBIT” on the authorization machine.

• Enter your 4-digit PIN.

• Select “YES” for cash back.

• Enter the amount, press “OK”.

Set-up Online Banking For Your

Focus Card

For your first time on the US Bank Site:

1. Go to www.usbankfocus.com or download the

US Bank Focus app.

2. Watch the video.

3. Follow the easy steps below to set-up online

banking.

Select "First Time User

mobile app.

Enter your Focus

Card number

Enter your date of birth

and last four digits of

your social security

number

#1 #2 #3

Accept online

banking terms

and conditions

These are the steps

Establish User

ID/password and

create your own PIN

Set-up

security

questions

Authenticate computer

ONLY if you are using

your personal device or

private device

#5 #6 #7

Provide email

address (required)

and set-up text

alerts (optional, but

recommended)

You've now set-up your Focus Card!

Congratulations !

TIPS ON

AVOIDING FEES

Summary

With the U.S. Bank Focus Card

™

, you can easily avoid most of the common fees associated with using

your card by following these simple guidelines.

How to Avoid Fees

ATM Withdrawals

(Out-of-Network

)

• Make Purchases: Instead of using cash for purchases, use your card

anywhere Visa

debit cards are accepted – in stores, over the phone,

online or pay bills. You can use your card for free to make everyday

purchases such as groceries, convenience stores, etc.

• Cash Back with Purchases: You can ask for ‘cash back’ when making

purchases at places like grocery stores or retail stores. Select ‘DEBIT’ on

the authorization machine, enter your 4-digit PIN and enter the amount of

cash back you’d like. There is no fee to get cash back with purchases.

• Bank Teller: Go into any Visa bank and ask the teller for a cash

withdrawal for up to the full amount available on your card. There are

no fees associated with withdrawing cash at any Visa bank.

• In-Network ATMs: Withdraw cash for free at any U.S. Bank,

MoneyPass

or Allpoint ATM.

For the nearest fee-free ATM locations visit: www.usbank.com/locate,

www.moneypass.com or www.allpointnetwork.com

ATM Balance

Inquiries

(Out-of-Network

)

You can check your balance for free using any or all of the

following methods:

• Online – View account online at www.usbankfocus.com.

• Text/Email – Sign up to receive free email or text alerts when funds

have been deposited to your account or when your balance gets low.

(Standard messaging charges apply through your mobile carrier and

message frequency depends on account settings.)

• Mobile Banking App – Search for “U.S. Bank Focus” in the App Store

or Google Play. (The U.S. Bank Focus Mobile App is free to download.

Your mobile carrier may charge access fees depending upon your

individual plan. Web access is needed to use the Mobile App. Check

with your carrier for speciﬁc fees and charges.)

• Phone – Call Cardholder Services at 877-474-0010.

• ATM – Perform a balance inquiry at a U.S. Bank, MoneyPass

or Allpoint ATM.

Fee Description How to Avoid

*Out-of-Network ATMs means any ATM that is not a U.S. Bank, MoneyPass or Allpoint ATM.

Inactivity Fee

Use your card at least once every 90 days

– receive a payroll deposit,

make a purchase or make a cash withdrawal. NOTE: the inactivity fee

is not assessed if your card balance is zero.

Or a longer period of time or never, as restricted under applicable state law

Monthly Paper

Statement

(If requested)

View your monthly statements for free online at www.usbankfocus.com.

To opt out of paper statements, call the number listed on the back of your card.

The Focus Card is issued by U.S. Bank National Association pursuant to a license

Fee Description How to Avoid

Gas Stations: When purchasing gasoline at a gas station using the pay-at-the-pump option, a

maximum hold of $75 will be placed on your account to initiate your transaction. This amount will be

held until the actual transaction amount clears. If you do not want funds held while waiting for the

transaction to clear, please pay the cashier inside for your gasoline purchase. Payments made inside

clear for the actual transaction amount immediately.

Restaurants, Salons and Other Services: Prepaid Card transaction posting amounts may vary.

Most restaurants, salons and other services where you typically tip may temporarily add approximately

20% to your bill to cover the tip. Make sure your available balance can cover the 20% or your

transaction will be declined.

Hotels: When making travel reservations with a hotel or similar merchant, ask for the amount of the

authorization they will send to your account. These merchants may send an initial authorization amount

equal to your entire stay or rental period, plus taxes and incidentals, even though your actual purchase

will be weeks or months away.

Track your Balance: It is always important to know your balance before you make a purchase or

cash withdrawal and to keep track of your remaining balance after making these transactions.

Card Usage Tips:

Setting Up Your Savings Account

Log on to your Focus

Card at

www.usbankfocus.com.

Step 1

LOG ON

Step 2

SAVINGS

Accept savings terms and

conditions.

Enter your social

security number and

check the consent and

accept box.

Step 5

You successfully opened

your savings account!

Now set-up your

Automatic Savings Plan!

Step 7

CONGRATULATIONS

Step 3

Under "My Card

Features" select

Savings Account.

Step 4

VERIFY

Make sure the

information on the

page is correct.

Step 6

FUND

Enter $10 or more to

transfer immediately

from your Focus Card

to your savings

account.

Setting Up Your

Automatic Savings Plan

Schedule automatic transfers

to your savings account

(i.e., each payroll direct

deposit, 1st or 15th of the

month, or other deposits).

Step 1

SELECT

Step 2

AMOUNT

Save your automatic

savings selections.

Step 3

SAVE

Enter the amount for

each automatic

transfer.

August 2015 Page 1

Community Financial Resources Prepaid Debit Card Program June 2015

ID Verification Information & Instructions

Financial institutions must authenticate the identity of people applying for bank accounts or prepaid debit cards. Usually

this process requires nothing more than a Social Security number. Some applicants do not have sufficient personal data

on public databases that can be used to complete electronic authentication. These applicants must submit additional

documentation to complete the card activation process.

CFR will notify your site via email if you have card enrollees that need to provide additional ID. The following lists the

options to complete the ID Verification process.

1. Challenge Questions – The cardholder may call Customer Service number 877-474-0010 or log-in to

www.usbankfocuscom and answer questions to complete the Identity Verification process.

2. Document Upload – The cardholder may log-in to www.usbankfocus.com and upload identity verification

documentation from the Home Page.

Step 1: Scan a copy of the required Social Security Card or Temporary Social Security Letter(with stamp

from local Social Security Office)

Step 2: Scan a copy of ONE of the following Acceptable ID documents

Acceptable ID

U.S. State Driver’s License

U.S. Military Service ID

U.S. Passport

U.S. Alien Resident/Immigration ID

U.S. State ID

U.S. Birth Certificate

Mexican Matricula/Consular card

U.S. Bank cannot accept foreign issued passports/identification, Visa or Canada driver's license.

Step 3: Use the Upload function to securely send the files containing the ID copies.

3. Fax – Fill out p.2 of this form and fax with the required documentation referenced above to 1-855-324-7481.

4. Mail – Fill out p.2 of this form and Mail with the required documentation referenced above to:

Cardholder Services

Attn: ID Check/Verification Specialist

P O Box 551617

Jacksonville, FL 32255

August 2015 Page 2

Additional ID Documentation Request

Complete the requested information below. Be sure your name and date of birth matches your name and date of birth

used in applying for your social security number.

CARD ID________________________

Card ID : the 13-digit Direct Deposit Account Number assigned to the enrollment OR the 10-digit number on

the back left hand corner of the applicant’s card.

FIRST NAME___________________________LAST NAME__________________________________

U.S. STREET ADDRESS___________________________________________________

CITY________________________ STATE___________ ZIP CODE________________

PHONE NUMBER

(Primary number) _________________

DATE OF BIRTH____________

D o c u m e n t U p l o a d | P a g e 1

U.S. Bank National Association Confidential | January 8

, 2017

Document Upload

Feature Overview

S u m m a r y

Document Upload provides the ability to upload scanned documents for identity verification remediation to the cardholder

websites and client portals.

De s c r i p t i o n

 The Document Upload feature provides an online method for users to upload required identity documentation directly

through the cardholder or client portals to assist cardholders with the identity verification process.

 On the client portal, when a cardholder has not passed the identity verification process, a Document Upload button is

displayed on the Cardholder Information page. Clients are able to upload scanned documents based on the comments

in the ID Verification section. This section will specify which documents are needed for the verification process.

 On the cardholder website, when a cardholder has not passed the identity verification process, a link to upload

scanned documents displays in the ID Verification Comments section.

 Upon successful submission, an Identity Verification Specialist reviews and dispositions the uploaded documents

within four business hours.

 Clients can review the Cardholder ID Verification Status Report via the client portal to determine if further steps are

required. Once a cardholder is verified, the Document Upload button will disappear from the Cardholder Information

page on the client portal and the ID Verification Comments section will be updated with a verified status.

 Uploaded documents must be submitted in one of the following file formats: JPEG, PNG, GIF, or TIFF. The image size

cannot exceed 1,000,000 bytes.

B e n e f i t s

 Uploaded files are automatically associated with the correct card account number.

o This provides a more accurate and efficient review of the identity verification documents.

o Cardholders are able to be cleared quickly so they can enjoy the full benefits of the card.

D o c u m e n t U p l o a d | P a g e 2

U.S. Bank National Association Confidential | January 8

, 2017

C l i e n t E x p e r i e n c e

When a Cardholder has a pending or rejected Identity Verification status, the “Document Upload” button will appear under

Cardholder Information. The ID Verification Comments will indicate the necessary documents needed to complete the

verification remediation.

D o c u m e n t U p l o a d | P a g e 3

U.S. Bank National Association Confidential | January 8

, 2017

Clients can also check the Cardholder ID Verification Status Report:

Clients select the documentation type, choose a file, and upload the file for processing by clicking on the Upload button.

Cardholders can submit a scanned document with a non-expired photo ID and a separate document that meets the “Other

Forms of Identification” requirements at the same time.

Client Program Client Program Name CIP Status

Num of Days

Pended

First Name Last Name

Card

Status

Date ID

Checked

Registration

Date

IDV Notes

987651321 General Purpose Card ID Verification Pending 58 Claire Martin AC 02/25/2013 02/25/2013

ID Verification Pending -7 -

SSN and Name Verification

Needed

Cardholder ID Verification Status Report

Program ABCDEF

Card ID

1234567890

D o c u m e n t U p l o a d | P a g e 4

U.S. Bank National Association Confidential | January 8

, 2017

D o c u m e n t U p l o a d | P a g e 5

U.S. Bank National Association Confidential | January 8

, 2017

C a r d h o l d er E x p e r i e n c e

When a Cardholder has a pending identity verification status, information directing them to submit documentation to

authenticate their identity will appear under the “Identity Verification” tab on the Cardholder website. When the Cardholder

selects the link, a page is displayed with their status and information about providing the necessary identity verification

documentation. Cardholders can submit their documentation via the Document Upload tool, fax or mail. Documents must be

scanned and accessible from the computer in use.

D o c u m e n t U p l o a d | P a g e 6

U.S. Bank National Association Confidential | January 8

, 2017

Cardholders select the documentation type, choose a file, and upload the file for processing by clicking on the Upload button.

Cardholders can submit a scanned document with a non-expired photo ID and a separate document that meets the “Other

Forms of Identification” requirements at the same time.

D o c u m e n t U p l o a d | P a g e 7

U.S. Bank National Association Confidential | January 8

, 2017

0326330463

THE U.S. BANK FOCUS CARD™ CARDHOLDER AGREEMENT

(Effective 12/01/2014)

TERMS AND CONDITIONS FOR THE U.S. BANK FOCUS CARD

By activating, accepting and/or using the U.S. Bank Focus Card (“Card”), you agree to be bound by the terms and conditions

contained in this Agreement, which will govern your use of your Card. Your Card is issued by U.S. Bank National Association (“U.S.

Bank”), and your Card accesses your prepaid U.S. Bank Focus Card Account (“Account”). Your Card has the U.S. Bank and Visa

or U.S. Bank and MasterCard® brand marks. “You” and “your” means the person(s) who received the Card from U.S. Bank and are

authorized to use the Card as provided for in this Agreement. “We,” “us,” and “our” mean U.S. Bank, our successors, affiliates or

assigns. “Funder” means the organization providing the actual dollar value, “the funds” to your Card. Please read this Agreement

carefully and keep it for future reference. The laws of the state of Ohio govern the interpretations of this Agreement, without giving

effect to conflict of law principles thereof that may cause the law of another state to apply.

Your Card is a prepaid debit card. You will not receive any interest on the funds associated value stored on the Card. The funds are

insured by the Federal Deposit Insurance Corporation (“FDIC”) up to the maximum allowed by law. This Agreement contains an

arbitration provision (including a class action arbitration waiver). It is important that you read the Arbitration Provision section

carefully.

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions

to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open

an account, we will ask for your name, street address (P.O. Boxes are not allowed under Federal law), date of birth, and other

information (including your Social Security or Tax Payer Identification Number) that allow us to identify you. We may also ask to see

your driver's license or other identifying documents when appropriate.

HOW TO USE YOUR CARD

1. You are able to use your Card to:

A. Pay for purchases at stores and businesses that have agreed to accept the Card (“point of sale transactions”).

B. Perform transactions at automated teller machines (ATMs).

C. Obtain cash over the counter at any bank or credit union that accepts the national association branding on your Card.

2. Activation; Use of Card, PIN and Terminal. You can activate your Card by calling us at 877-474-0010. During the activation

process, you will be provided with a Personal Identification Number (PIN), which you may use to make point of sale transactions and

ATM withdrawals. The Card and PIN are provided for your use and protection, and you agree to:

A. Make sure only you know your PIN – do not write your PIN on your Card or tell anyone;

B. Use the Card, the PIN and any ATM as instructed;

C. Notify us immediately of any loss or theft of your Card or PIN; and

D. Pay for any purchases, cash withdrawals or other transactions made by you or anyone you allow to use your Card and/or PIN.

If you permit someone else to use your Card, we will treat this as your authorization for this person to use your Card and you will

be responsible for any transactions initiated by such person with your Card.

3. Loading Funds to your own Card; Direct Deposit. Depending on your program, you may be able to make cash deposits

through participating reload networks and receive automated clearing house (ACH) direct deposits from sources other than your

Funder. If these options are available on your Card you will receive information on available reload networks and ACH direct

deposits with your Card materials. Please note that if you reload your Card at reload networks, those networks may charge a fee

and/or set load limits that are lower than what we set. Terms as to what source (i.e. cash, check, or other) can be used to deposit to

the Account may be defined by each reload network. Generally, funds deposited through reload networks should be available no

later than the next business day, but timing and availability of deposits through reload networks depends on the reload network

completing the transaction.

FEES AND TRANSACTION LIMITS

4. Fees. Under some situations, you will be charged fees for using your Card. We will charge you and you agree to pay the fees and

charges (collectively “Fees”) described on the Schedule of Fees included with your Card. Fees are subject to change from time to

time. You will receive prior notice of Fee increases as required by applicable law. Fees will be deducted automatically from the Card

balance. Without limiting the generality of the foregoing, you agree that we may deduct an inactivity fee as permitted by law and

described in the Schedule of Fees. You may receive a copy of the current Schedule of Fees by calling us toll free at 877-474-0010.

THIRD PARTIES MAY ASSESS YOU TRANSACTION FEES IN ADDITION TO THE FEES ASSESSED BY U.S. BANK.

5. Transaction Limitations. Transaction limitations are displayed in the Fee Schedule included with your Card. For security

reasons there may be additional limits on the amount, number or type of transactions you can make using the Card.

HOW TO OBTAIN ACCOUNT INFORMATION

6. How to Obtain Account Information

A. You may obtain Card balances and review recent Card activity by calling 877-474-0010. This information, along with a 60-day

history of Account transactions, is also available on-line at www.usbankfocus.com. You also have the right to obtain a 60-day

written history of account transactions by calling 877-474-0010, or by writing us at Focus Card Services, PO Box 9127,

Minneapolis MN 55480.

B. Statements in electronic format will be made available during any month in which a transaction occurs. You will be able to view

statement information online at www.usbankfocus.com. The statement will describe all activity on your Card during the statement

period.

C. You may request to receive a monthly paper statement by submitting your request online at www.usbankfocus.com or by

contacting us by phone at 877-474-0010. Paper statements are not available during any month in which a transaction did not

occur. Paper statements will be mailed to the address your Funder provides to us. To change the address your statement is

mailed to, you must contact us by phone at 877-474-0010 or by mail at Focus Card Services, PO Box 9127, Minneapolis MN

55480.

D. You can get a receipt at the time you make any transfer to or from your Account using an ATM or point of sale terminal.

E. If you have arranged to have direct deposits made to your account, you can view your Account online at

www.usbankfocus.com or call us at 877-474-0010 to find out whether or not the deposit has been made.

7. Contact Information and Business Days and Hours. For general inquiries by mail, write us at: Focus Card Services, PO Box

9127, Minneapolis MN 55480. For service inquiries and/or to report your card lost or stolen, call 877-474-0010, 24 hours a day, 7

days a week. Our business days are Monday through Friday. Holidays are not included.

8. Mobile Alerts. You may elect to receive electronic notifications (“Alerts”) relating to your Account, by signing up online at

www.usbankfocus.com or by calling 877-474-0010. Alerts will be sent via SMS / text message to a mobile phone, handheld, or other

wireless device or by email as designated by you. This service allows you to request and receive certain messages about your

Account. You may elect to receive Alerts relating to specific transactions on your Account. Once you have logged in, you may

choose which Alerts you would like to receive, the account(s) to which the Alerts will relate, and a limited number of electronic

addresses (which electronic addresses may include email addresses and any devices accepting text messages) to which the Alerts

will be sent. You agree to notify us of any change to your electronic addresses in order to ensure continued delivery of your Alerts.

You may manage or delete your Alerts online at www.usbankfocus.com. Alerts will be sent each day, at various times, when

transactions occur that meet your specified criteria. You understand and agree that Alerts will not be sent on a “real time” basis, but

will rather be sent at the next scheduled delivery time after the specified transaction event occurs. We reserve the right to change

the frequency or timing of Alerts, at any time and from time to time. Alerts are not intended to replace your account statements or

any other communications we may provide to you regarding your Account. You are responsible for and must provide all telephone

and other equipment, software, and services necessary to receive Alerts. By providing us with your cellular phone number, you

consent to receiving SMS messages related to Alerts. Data and messaging charges from your telecommunications provider may

apply, and you are responsible for any such charges. In the event your enrolled mobile or cellular device is lost or stolen, you agree

to update your enrollment information and make the appropriate changes to disable the use of such devices. You understand that

there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be

compromised. We are not responsible for any failures on the part of your telecommunications, internet and/or email provider to

properly enable your receipt of Alerts.

IMPORTANT INFORMATION ABOUT USING YOUR CARD

9. Holds Upon Authorization. Transactions with some merchants - restaurants, car rental agencies, hotels, salons, mail-order

companies, cruise lines and pay-at-the-pump gas stations, for example - will authorize in an amount greater than your purchase.

These held funds will not be available for other purchases. The authorized amount will be held until the transaction posts to your

Card.

10.Split Transactions; Rescinded Transactions; Failure to Honor

A. If you do not have enough money on your Card to complete a particular transaction, you may split your purchases between

your Card and another credit or debit card or cash. If you do not know your exact balance, please call customer service at 877-

474-0010 to verify your balance prior to attempting to make a purchase.

B. If you authorize a purchase but do not make the purchase as planned, the authorized amount will be subtracted from your

Card balance for up to seven (7) days.

C. Neither we nor any other bank or business will be liable to you for failure to accept or honor the Card.

11. No ACH Payment/Transfer. Do not attempt to make an ACH payment/transfer out of your Account using the underlying

Account number of your Card (depending on your program, this number may be printed in your Card materials, but is separate from

the Card number which you use to make ordinary Card purchases). If you do so, we may close your Card and Account. The

underlying Account number is to be used only to enable ACH direct deposits into your Account (payroll direct deposits, tax refund

direct deposits, etc.).

12. Returns and Refund. If there is a problem or dispute with a purchase of goods or services, you must address it directly with the

merchant involved. Refunds and returns are subject to the merchant’s policies or applicable laws. If you are entitled to a refund for

any reason for goods or services obtained with your Card, you agree to accept credits to your Card in place of cash.

13. Payment. Each time you use your Card, the amount of the transaction will be debited from the Account. You may not be allowed

to exceed the funded balance available on your Card by any individual or series of purchases. Nevertheless, if you make a purchase

that exceeds the balance on your Card (an “Overdraft”), you will remain fully responsible for the amount of your purchase or

withdrawal that exceeded the balance available on your Card, and you agree to immediately repay to us for all overdrafts. If you fail

to do so, we shall have the right to initiate collection proceedings against you in compliance with applicable law. We reserve the right

to automatically debit overdrafts from any subsequent credits to the Card or any other account you have with us.

14. Using Your Card in a Foreign Country

For Visa Cards: You may use your Card for retail purchases at foreign (outside the United States) merchants and for cash

withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. Some merchant and ATM transactions, even

if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable

Visa rules, in which case we will add the “foreign fee” described below to those transactions. We do not control how these

merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed

may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If you

use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed

through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time

to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying

the amount of the foreign currency times (a) a rate selected by Visa from the range of rates available in wholesale currency

markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-

mandated rate in effect for the applicable central processing date. To the converted transaction we will add a “foreign fee” of up

to 3% times the resulting dollar amount. We may assess the “foreign fee” on all foreign transactions, even in transactions that do

not require currency to be converted. If you use your Card at an ATM that bears only the PLUS System logo (and no Visa logo),

the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate

established, from time to time, by the operator of that ATM. To the converted transaction we will add a “foreign fee” of up to 3%

times the resulting dollar amount. If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM

operator will determine whether to send your transaction over the Visa or PLUS System network using such network’s respective

currency conversion rules then in effect (as explained above).

For MasterCard Cards: You may use your Card for retail purchases at foreign (outside the United States) merchants and for

cash withdrawals from foreign ATMs that bear either the Cirrus or the MasterCard Acceptance Marks. Some merchant and ATM

transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under

the applicable MasterCard rules, in which case we will add the “foreign fee” described below to those transactions. We do not

control how these merchants, ATMs and transactions are classified for this purpose. If you use your card at a merchant or ATM

that bears these Acceptance Marks, MasterCard International Incorporated will convert the transaction into a U.S. Dollar amount

using its currency conversion procedure. The currency conversion rate used by MasterCard International to determine the

transaction amount in U.S. Dollars is generally either a government mandated rate or a wholesale rate determined by

MasterCard International for the processing cycle in which the transaction is processed. To the converted transaction we add a

“foreign fee” of up to 3% times the resulting dollar amount. We may assess the “foreign fee” on all transactions in which the

merchant is located in a country other than the U.S., even in transactions that do not require currency to be converted.

15. Other Terms. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs

of any clearinghouse or other association involved in transactions. Your Card may not be used for any unlawful purpose. You agree

that you will not use your Card for internet-gambling or any transaction that is illegal under applicable law. We do not give up our

rights by delaying or failing to exercise them at any time. If any term of this Agreement is found by a court to be illegal or

unenforceable; all other terms will still be in effect. From time to time, we may monitor telephone calls you make to us or our agents.

16. Contact in the Event of Loss, Theft or Unauthorized Use. If you believe your Card or PIN has been lost or stolen or that

someone has transferred or may transfer money from your Card without your permission, call us toll free, 24 hours a day, 7 days a

week at 877-474-0010 or write to us at Focus Card Services, PO Box 9127, Minneapolis MN 55480. If your Card has been lost or

stolen, we will close your Card to keep losses down.

17. Your Liability for Unauthorized Transactions

A. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe than an electronic fund transfer

has been made without your permission. Telephoning us is the best way of keeping your possible losses down. You could

lose all the money on your Card. If you tell us within two business days after you learn of the loss or theft of your Card or

PIN, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two

business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from

using your Card without your permission if you had told us, you could lose as much as $500.

B. Also, if your statement or transaction history shows transactions that you did not make, including those made by card, PIN

or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically access

your Account, if the transaction could be viewed in your electronic history, or the date we sent the first statement or

transaction history on which the unauthorized transfer appears, you may not get back any money you lost after the 60

days if we can prove we could have stopped someone from taking the money if you had told us in time.

C. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

18. Your Right to Dispute Errors

A. In case of errors or questions about your Card, call 877-474-0010 or write to Focus Card Services, PO Box 9127, Minneapolis

MN 55480, as soon as you can if you think your statement, transaction history, or receipt is wrong or if you need more

information about a transaction listed on the statement, transaction history or receipt. We must allow you to report an error until

60 days after the earlier of the date you electronically access your 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

transaction at any time by calling us at 877-474-0010 or writing us at Focus Card Services, PO Box 9127, Minneapolis MN

55480.

B. The following information must be contained in that notice:(i) Your name and your U.S. Bank Focus Card number.(ii) The

dollar amount of the suspected error.(iii) The date the transaction occurred.(iv) Describe the error or the transaction you

are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.

C. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days after

speaking with us.

D. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error

promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we

decide to do this, we will provisionally credit your Account within 10 business days for the amount you think is in error, so

that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your

complaint or question in writing and we do not receive it within 10 business days, we may not credit your Account,

although we will still investigate your complaint or question. For errors involving new Cards (open less than 30 days), point

of sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new

Cards, we may take up to 20 business days to credit your Card for the amount you think is in error.

E. If we decide there was no error, we will send you a written explanation within three business days after we finish our

investigation. You may ask for copies of the documents used in our investigation. If we have issued provisional credit to

you and there is no error, the amount of that credit will be subtracted from your Card. We will give you advance notice of

the amount and date of the debit against your Card for that credit. If you need more information about our error-resolution

procedures, call us at the telephone number shown above.

19. Preauthorized payments

A. Right to stop payment and procedure for doing so. If you have preauthorized payments with your Card, you can stop any

of these payments. Here’s how: Call us at 877-474-0010 or write us at Focus Card Services, PO Box 9127, Minneapolis

MN 55480, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If

you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

B. Notice of varying amounts. If these regular payments vary in amount, the person you are going to pay will tell you, 10

days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only

when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall

outside certain limits that you set.

C. Liability for failure to stop payment of preauthorized transfer. If you order us to stop payment 3 business days or more

before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

OUR LEGAL RIGHT TO CHANGE OR CANCEL THE AGREEMENT

20. Amendment and Cancellation. We may at any time change or cancel these terms and conditions. Refer to

www.usbankfocus.com for the most current terms. You will be notified of any change before it goes into effect in the manner

provided 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 this Agreement or any features or services of the Card described herein at any time. You may

cancel this Agreement by returning the Card to us and notifying your Funder. Your termination of this Agreement will not affect any

of our rights or your obligations arising under this Agreement before it was cancelled.

PRIVACY PLEDGE AND DISCLOSURE OF CARD INFORMATION

21. We will disclose information to third parties about your Card or the transfers you make: (i) where it is necessary for completing

transfers, (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, (iii)

in order to comply with government agency or court orders, or (iv) if you give us your written permission. You will receive a copy of

our Privacy Pledge at least once annually. We also post it on our Web site at www.usbank.com. Our Privacy Pledge describes how

we collect, protect and use your confidential financial and other information and the circumstances in which we share your

information with members of our corporate family and with unaffiliated third parties. The Privacy Pledge also tells you how you can:

(i) limit the ways we share, or (ii) limit the ways we can market to you.

ADDITIONAL U.S. BANK FOCUS CARD PROGRAM INFORMATION

22. Program Information. You are electing to participate in the U.S. Bank Focus Card program which may be discontinued at some

time in the future. If the program is discontinued, you will be notified in advance and given the option to receive your funds by check

or by direct deposit into a bank account. This program is provided by U.S. Bank National Association, which may contact you from

time to time about this program or other services related to this program.

23. Our Liability

A. If we do not complete a transfer to or from your Card on time or in the correct amount according to our agreement with you,

we will be liable for your losses or damages with some exceptions. We will not be liable, for instance:

(i) If, through no fault of ours, you do not have enough money in your Card to make the transfer.

(ii) If the automated teller machine where you are making the transfer does not have enough cash.

(iii) If the terminal system was not functioning properly and you were aware of that when you started the transfer.

(iv) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we

have taken.

(v) There may be other exceptions stated in our agreement with you.

24. Role of Your Funder

A. Your Funder is responsible for transferring funds to us to load onto your Card. These funds will be transferred by your

Funder to us and loaded onto your Card by us according to the schedule agreed to by your Funder and us. We have no

obligation to you in the event your Funder delays in providing or fails to provide funds to your Card.

B. Your Funder may retain the right to deduct funds from the funds stored on the Card in order to correct a previous error or

overpayment to you or for other reasons. You hereby authorize us to accept instructions from your Funder to add or

deduct funds from your Card and in the case of a deduction to return those funds to your Funder. If you have a dispute

with your Funder about the amount of your wages, salary or other compensation, or the amount that the Funder loads

onto or deducts from your Card, you agree to not involve us in that dispute and to resolve that dispute solely with your

Funder.

C. You acknowledge and agree that except as set forth in this Section, your Funder shall not be liable for any claims by you

in connection with this Agreement.

25. Arbitration

A. You agree that either you or we can choose to have binding arbitration resolve any claim, dispute or controversy between you

and us that arises from or relates to this Agreement or your Card and Account (individually and collectively, a “Claim”). This

does not apply to any Claim in which the relief sought is within the jurisdictional limits of, and is filed in, a small claims court. If

arbitration is chosen by any party, the following will apply:

(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN COURT OR TO HAVE A JURY TRIAL

ON A CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE

APPLICABLE ARBITRATION RULES.

(2) Arbitration will only decide our or your Claim, and you may not consolidate or join the claims of other persons who

may have similar claims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR

MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE ATTORNEY GENERAL, PERTAINING TO ANY

CLAIM SUBJECT TO ARBITRATION.

(3) The arbitration will be performed in accordance with this Arbitration Provision and the rules of the chosen arbitrator in

effect when the Claim is filed.

(4) The arbitrator’s decision will generally be final and binding, except for the limited right of appeal provided by the

Federal Arbitration Act.

(5) Other rights that you would have if you went to court might also not be available in arbitration.

B. The party commencing the arbitration may select to use either JAMS or the American Arbitration Association (“AAA”) (or, if

neither of these arbitration organizations will serve, then a comparable substitute arbitration organization agreed upon by the

parties, or if the parties cannot agree, chosen by a court of competent jurisdiction). If JAMS is selected, the arbitration will be

handled according to its Streamlined Arbitration Rules unless the Claim is for $250,000 or more, in which case its

Comprehensive Arbitration Rules shall apply. If the AAA is selected, the arbitration will be handled according to its Commercial

Arbitration Rules. You may obtain rules and forms for JAMS by contacting JAMS at 1-800-352-5267 or www.jamsadr.com and

for the AAA by contacting the AAA at 1-800-778-7879 or www.adr.org. Any arbitration hearing that you attend will take place in

the federal judicial district where you reside. At your request, we will advance your filing and hearing fees for any Claim you

may file against us. If you prevail on your Claim, we will pay your arbitration costs and fees, other than attorney, expert and

witness fees and expenses. We will also pay any fees or expenses that applicable law requires us to pay. The arbitrator shall

apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. §§ 1 through 16, including but not limited

to applicable statutes of limitation, and shall honor claims of privilege recognized at law. Judgment upon the award rendered by

the arbitrator may be entered in any court having jurisdiction.

C. This Arbitration Provision shall survive termination of this Agreement and your Card and Account. Notwithstanding any

language in this Agreement to the contrary, this Arbitration Provision shall be governed by federal law, including the Federal

Arbitration Act. Notwithstanding any language of this Agreement to the contrary, should any portion of this Arbitration Provision

be held invalid or unenforceable by a court or other body of competent jurisdiction, this entire Arbitration Provision shall be

automatically terminated and all other provisions of this Agreement shall remain in full force and effect.

26. Second Card to Access Your Account

If your program permits an additional Card to be issued to access your Account (a “Secondary Card”), the person to whom the Card

and Account was first issued (the “Primary Account Holder”) may request us to issue a Secondary Card to a trusted person who is

13 years of age or older. The Primary Account Holder is at all times liable and responsible for all transactions, fees, resulting

negative balances and all other activity with respect to the Secondary Card. The holder of the Secondary Card may report that Card

as lost or stolen. All other Account maintenance can only be conducted by the Primary Account Holder. If you wish to terminate the

authority of the holder of the Secondary Card to access your Account, you must recover the Secondary Card from that person,

destroy the Secondary Card, and call us to report there is no longer a Secondary Card for your Account. The Primary Account

Holder will continue to be liable for all transactions, fees and other activity resulting from continued use of the Secondary Card

unless you request that we cancel all of your Cards and issue a replacement Card for you. In addition, if you notify us of your

decision to terminate the Secondary Card, we may elect to terminate all your Cards and issue you a replacement Card. If you notify

us to terminate the Secondary Card and request that, or we elect to, cancel all your Cards, you will not have access to your Account

until a replacement Card is received by you. To the extent permitted by law, you are also liable and responsible for all costs and

expenses, including attorneys’ fees, that we incur enforcing these rules governing the Secondary Card.

27. Cellular Phone Contact Policy

By providing us with any telephone number used for a mobile or other wireless device now or in the future, including a number that

you later convert to a cell phone number, you are expressly consenting to receiving communications - including but not limited to

prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system - from us

and our affiliates and agents for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.