ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS

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1 ipayu TM Prepaid MasterCard FREQUENTLY ASKED QUESTIONS What is the ipayu Prepaid The ipayu Prepaid MasterCard provides parents with a convenient, safe way to send money to their students. Students can use the ipayu Prepaid MasterCard to make purchases anywhere Debit MasterCard is accepted worldwide even online. Best of all, you will enjoy up to 50% savings at over 250,000 national and local retail locations. Discounts on dining, shopping, entertainment and more are available at some of the world s most recognizable brands. Is my ipayu Prepaid MasterCard a credit card? No, your ipayu Prepaid MasterCard is not a credit card. You can only spend the amount of money that is deposited onto the card. Is a credit check required to receive the ipayu Prepaid No. Since this is not a line of credit, loan or checking account, no credit check is required to receive the ipayu Prepaid MasterCard. However, in order to verify each person opening an account, we are required to obtain personal information such as your name, address, and social security number to comply with the USA PATRIOT Act. How long will it take to receive my ipayu Prepaid Typically, you will receive your ipayu Prepaid MasterCard within ten (10) business days from the date that your school provides us with enrollment information or if you complete the online order card process. Is my ipayu Prepaid MasterCard re-loadable? Yes. Your ipayu Prepaid MasterCard can be reloaded 24 hours a day, 7 days a week by visiting the web address displayed on the back of your card. How do I activate my ipayu Prepaid When you receive your ipayu Prepaid MasterCard, it will be accompanied by instructions on how to activate it. Simply call the number displayed on the back of your ipayu Prepaid MasterCard, sign the back of your card, review the Cardholder Agreement and take a minute to complete your registration by visiting the web address displayed on the back of your card. It takes only a few minutes and then you ll be ready to access the benefits of your card. I just received my ipayu Prepaid MasterCard, activated it and loaded value. Do I need to wait to begin using my card? Yes. Upon activation and value loaded on the card, it may take up to 5 business days for funds to be available for use.

2 How can funds be added to my ipayu Prepaid You can link your checking and/or savings account to your card account and initiate loads via the ipayu portal, in which the web address is displayed on the back of your card. You may setup your parents and/or other authorized funders with the ability to add value to your ipayu Prepaid MasterCard by creating their own account within the ipayu portal. Funds may also be added to your card through tuition refund disbursement from your school and/or direct payroll deposit from your employer. What is a PIN? A PIN is your secret four-digit Personal Identification Number that allows you to obtain cash from ATMs and make Debit purchases and receive Cash Back at select merchants. Never write your PIN number on your ipayu Prepaid MasterCard. For security purposes, keep your PIN separate from your ipayu Prepaid MasterCard and do not communicate your PIN to anyone. Where can I use my ipayu Prepaid Your ipayu Prepaid MasterCard can be used to make purchases anywhere Debit MasterCard is accepted. You can also use your ipayu Prepaid MasterCard to make withdrawals and get balance inquiries at any ATM displaying the MasterCard name and/ or logo. When I m making a purchase, should I select Credit or Debit? Always select Credit and sign for every purchase when using your ipayu Prepaid MasterCard in order to receive the benefits of MasterCard Zero Liability Policy. If you need help, just ask the cashier How can I sign for this? It s worth it! Choose Debit and enter your PIN only if you need cash or using an ATM. Using your PIN does not earn you rebates or provide you with the benefits of MasterCard Zero Liability Policy. Certain restrictions apply to Zero Liability. See Cardholder Agreement for details. Can I make purchases over the Internet with my ipayu Prepaid Yes. You can make purchases over the Internet with your ipayu Prepaid MasterCard, except for Internet gambling transactions or any activities that appear to violate the law. When shopping on the Internet, select MasterCard as the form of payment. Remember: Always protect yourself and your personal information when buying goods and services online. Shop only with merchants you know and trust. Make sure any Internet purchase activity you engage in is secured with encryption to protect your information. Can I use my ipayu Prepaid MasterCard to make a purchase that is larger than the balance on my card? No. You cannot access more than the available balance on your ipayu Prepaid MasterCard. If your desired purchase amount is greater than your available balance, you must consult with the merchant to determine whether supplemental payment is allowed. Always use your ipayu Prepaid MasterCard as the first form of payment. Be specific in telling the cashier the exact amount to deduct from your ipayu Prepaid MasterCard. Then, place the remaining balance on a supplemental form of payment.

3 How can I check the available balance on my ipayu Prepaid You can check your available balance and transaction history by visiting the web address displayed on the back of your ipayu Prepaid MasterCard 24 hours a day, 7 days a week. In addition, you can check your available balance by doing a balance inquiry at an ATM, or by calling the Card Services number on the back of your card and following the prompts to obtain your balance through the interactive voice response system (IVR). Additionally, if you have provided your mobile phone number, you may be able to send a text message to a dedicated number which returns your available balance. Check with your school s administrator or on your ipayu web portal to view this number. How do I access funds or account information using an ATM? You may use your ipayu Prepaid MasterCard to access cash at ATMs of financial institutions displaying the MasterCard name and/or logo. Insert your ipayu Prepaid MasterCard into the ATM and follow the instructions for entering your Personal Identification Number (PIN). Once your PIN has been entered successfully, you can choose to withdraw funds or perform a balance inquiry. If you choose to withdraw funds, enter the amount you wish to withdraw. The ATM will present the amount of cash you requested along with a printed receipt and return your ipayu Prepaid MasterCard. There is a nominal fee to access cash at an ATM. See Cardholder Agreement for details. When I use an ATM, what account type should I select - Checking or Savings? Always select Checking. Will I be charged a fee if I use my ipayu Prepaid MasterCard to withdraw cash at an ATM? Yes. There is a nominal fee to access cash at an ATM. See Cardholder Agreement for details. Note: The financial institution that owns and operates the ATM may impose a fee to process your transaction. They must disclose any such fee for each ATM transaction before that transaction is completed. You can decide to accept the fee and continue the transaction, or cancel the transaction. Can I make additional deposits into my account at an ATM? No. ATM transactions are limited to balance inquiries and withdrawals only. May I let someone else use my ipayu Prepaid No. You should NEVER let another person use your ipayu Prepaid MasterCard. Keep your card, and the card account number under your control at all times. Do not reveal to anyone your PIN or write your PIN on the back of your ipayu Prepaid MasterCard. Are there any daily limits on purchases or ATM transactions that I can make with my ipayu Prepaid Yes. See the Cardholder Agreement to learn more about the number of transactions permitted per day as well as the dollar limits for those transactions.

4 Will I receive monthly statements? Transaction history will be made available free of charge by visiting the web address displayed on the back of your ipayu Prepaid MasterCard. You will not automatically receive paper statements. You many choose to have a paper statement mailed to you. However, there is a fee for each monthly statement requested. See Cardholder Agreement for details. Can I use my ipayu Prepaid MasterCard outside the United States? Yes. You can use your ipayu Prepaid MasterCard to make purchases, perform ATM transactions and request cash advances from banks in many countries throughout the world. Simply look for the MasterCard brand marks when traveling abroad. Note: you may be charged higher fees when using your ipayu Prepaid MasterCard to make transactions in a foreign country, including a currency conversion fee that is determined by MasterCard. See Cardholder Agreement for details. Are my funds protected by the Federal Deposit Insurance Corporation (FDIC)? Yes. Your funds are FDIC-insured up to $250,000. Is my ipayu Prepaid MasterCard protected if lost or stolen? Yes. With the MasterCard Zero Liability policy, your funds are protected from theft or loss in the event that your Card is lost or stolen. See Cardholder Agreement for details. Does my account earn interest? No. Your account does not earn interest. Does my ipayu Prepaid MasterCard have an expiration date? Yes. The expiration date is embossed on the front of your ipayu Prepaid MasterCard. Will my balance expire if I don t use the funds on my ipayu Prepaid No. Your balance will not expire if you do not use the funds on your ipayu Prepaid MasterCard. However, you may be charged a monthly maintenance fee that will be deducted from your balance. See Cardholder Agreement for details. My ipayu Prepaid MasterCard has expired. What should I do? The expiration date is embossed on the front of your ipayu Prepaid MaterCard. Prior to the expiration date, you will receive a replacement card, at no charge, for your continued use as long as your card is not cancelled. You will not be permitted to view any card account information or receive discounts using your expired card. What if the amount of my refund disbursement is incorrect? Since the amount of your refund disbursement is determined by your school, you should contact your school immediately if you believe there is an error. At your school s request, we will promptly make any necessary adjustments to your account balance.

5 How should I update my address or other personal information? To notify us of an address change, please contact the Card Services number on the back of your card or contact your school s administrator. At this time, the only personal information you can update online is your primary/secondary addresses and telephone numbers. Keeping your , phone numbers, and mailing address current is very important because all card services, such as notifications, forgotten password retrievals and assistance are provided in these formats. Who should I call if I have a question or problem such as a disputed charge or if my ipayu Prepaid MasterCard is not working properly? You should call the Card Services number on the back of your card. Follow the prompts to speak with a customer service representative. Can my ipayu Prepaid MasterCard be replaced if it is lost or stolen? Yes. If your ipayu Prepaid MasterCard is lost or stolen, notify us immediately by calling the Card Services number on the back of your card. There will be a minimal fee to replace your card. You are protected by the MasterCard Zero Liability policy if you notify us within a reasonable time, meaning that your funds are protected in the event that your ipayu Prepaid MasterCard is lost or stolen. Certain restrictions apply to the MasterCard Zero Liability policy. See Cardholder Agreement for details. Are there places or merchants where I cannot use my ipayu Prepaid Yes. You are not permitted to use your ipayu Prepaid MasterCard for gambling or any activities that appear to violate the law, either online or in-person. Can I use my ipayu Prepaid MasterCard at a pay at the pump? Yes. If you use your ipayu Prepaid MasterCard at a pay at the pump, the merchant may preauthorize the transaction amount up to $ or more. If your ipayu Prepaid MasterCard is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. Is my information private? Yes. We respect your privacy! Our systems and security procedures are designed to keep your personal and financial data confidential at all times. You also have a significant role to play and should keep your personal and financial information protected from unauthorized use. The ipayu Prepaid MasterCard is issued by Sutton Bank pursuant to license from MasterCard International Incorporated and can be used wherever Debit MasterCard is accepted. Sutton Bank, Member FDIC. This Card is administered by Innovative Card Solutions, LLC. MasterCard is a registered trademark of MasterCard International Incorporated. ipayu is a registered trademark of Innovative Card Solutions, LLC.

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