MAINTENANCE Monthly Fee $8.00. Deposit of Preprinted Payroll and Government checks by mobile Remote Deposit Capture. Immediate funds availability.

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1 FEE SCHEDULE MEMBER PREFERENCE VISA PREPAID DEBIT CARD MAINTENANCE Monthly Fee $8.00 ADD AND WITHDRAW MONEY Deposit of Preprinted Payroll and Government checks by mobile Remote Deposit Capture. Immediate funds availability. $5.95 In-Network ATM (MoneyPass and AllPoint) FREE Out-Of-Network ATM Plus any fees assessed by the ATM Owner or Operator $2.00 International ATM Plus any fees assessed by the ATM Owner or Operator $4.95 SPEND MONEY Per Purchase FREE Online Bill Pay - Standard FREE Online Bill Pay Expedited ACH $5.00 Online Bill Pay Expedited Check $30.00 Bill Payment Stop Payment $25.00 GET ACCOUNT INFORMATION Live Agent Phone Service (Waive fee for report of lost or stolen card; cardholder complaints; and dispute inquiries.) $3.95 ATM Balance Inquiry $0.50 Paper Statement $5.00 OTHER FEES Replacement Card Standard FREE Replacement Card Expedited (in addition to shipping charges) Foreign Exchange Fees ( in addition to pass through network fee) MEMBER PREFERENCE to non-member PREFERENCE Transfer; non-member PREFERENCE to MEMBER PREFERENCE Transfer For more information about prepaid cards, visit $12.00 $2.00 $0.50 All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Transaction fees and usage limits may change without prior notice, except as required by law. For example, you may not receive prior notice of a change if the change is made for security purposes. Page 1 of 13

2 USAGE LIMITS TRANSACTION TYPE STANDARD LIMITS Cash Advance $500 ATM Cash Out $2,500 Personal Identification Number (PIN) Purchase $2,500 Non-PIN Purchase $2,500 Account to Account Payment $2,500 Account to Account Transfer $2,500 Aggregate Daily Dollar Limit $5,000 Credit Adjustment $5,000 Maximum Dollar Amount on Card $10,000 Maximum to Add Funds Per Transaction $5,000 Maximum to Add Funds Daily $5,000 Maximum to Add Funds Monthly $25,000 Maximum to Add Funds Lifetime Unlimited Card to Card Transfer - Debit $5,000 Card to Card Transfer Credit $5,000 Card to Account Transfer Debit $5,000 Account to Card Transfer Credit $5,000 Daily Maximum Reload $500 Monthly Maximum Reload $2,000 Daily Maximum Automated Clearing House (ACH) $5,000 Monthly Maximum ACH $25,000 Mobile Remote Deposit Capture (mrdc) Check Limit $5,000 Mobile Remote Deposit Capture (mrdc) Daily Limit $5,000 Mobile Remote Deposit Capture (mrdc) Monthly Limit $25,000 Page 2 of 13

3 MEMBER PREFERENCE VISA PREPAID DEBIT CARD Cardholder Terms and Conditions This agreement describes the terms and conditions ( Agreement ) under which you may use the MEMBER PREFERENCE ( Card ). The Card is issued by Bank of Labor ( Bank ). By accepting the Card and using the Card, you agree to abide by this Agreement. Card means the MEMBER PREFERENCE Visa Prepaid Debit Card issued by the Bank. YOU CANNOT USE THE CARD TO PERFORM TRANSACTIONS UNTIL YOU ACTIVATE THE CARD AND SELECT A PERSONAL IDENTIFICATION NUMBER ( PIN ). MEMBER PREFERENCE. The Bank maintains an account established for the benefit of MEMBER PREFERENCE Visa Prepaid Debit cardholders. There is no separate deposit account established in your name for you at the Bank. You may not obtain or write checks on the account, nor make any deposits, withdrawals, or any other transactions on the account except as described in this Agreement. The funds maintained in the account are FDIC insured. MEMBER PREFERENCE is a non-interest earning account. Here are some more specific explanations about the MEMBER PREFERENCE Visa Prepaid Debit Card: Card Account or Account is the financial tool that measures the value of the underlying funds credited to your MEMBER PREFERENCE Visa Prepaid Debit Card. We will usually call this the balance on your Card, but sometimes you may see it as the balance in your Card Account. Your Account is not a deposit account established in your name, but the funds credited to your Card Account are held by us in a subaccount established for the MEMBER PREFERENCE Card program and these funds are covered by FDIC insurance. You will have an Account number, which will be different than your Card number, and you will need to use that number to establish Direct Deposit. You agree that only funds belonging to you shall be deposited to your MEMBER PREFERENCE Card Account. Available Balance means the balance on your Card after deducting: (1) deposits that are not yet available for withdrawal under our Funds Availability Policy; (2) Card transactions that we are legally obligated to pay or have already paid out in cash; and (3) any legal holds on your Card. Individual Cards. We will issue only one Card per individual. You may not assign or resell the Card. Adding Value to the Card. You may add ( load ) value to your Card by any of the following methods: (i) through any Visa ReadyLink participating retail location in accordance with the instructions provided with the Card; or (ii) by direct deposit from your employer or from any other payor that is capable of producing direct deposits (Social Security Administration, US Treasury, etc.); or (iii) by transferring money from another bank account. You may not make deposits to the Card at ATMs. The maximum daily load amount is $5,000. The maximum amount of value you can have on the Card at any time is $10,000. We may increase or decrease these limits at any time in our sole discretion. Some retailers may charge a fee to load value to the Card. You may refer to Visa.com for more information on using Visa ReadyLink. Direct Deposits. You may arrange to have funds transferred directly to your Card by your employer or other appropriate payor. To enroll, you will need to provide your employer or payor with the direct deposit enrollment form available at Funds from electronic direct transfer will generally be available on the day the Bank receives the transfer. You can visit or call the Customer Service Center at to find out whether or not the transfer has been made. In case of transmission error, or transfer irregularity, your ability to withdraw funds may be delayed beyond the first day after the Bank receives the transfer. If this occurs, then funds will generally be available within 5 business days after the transfer. We reserve the right to accept, reject or limit transfers via direct deposit in our sole discretion. You may cancel the direct transfer authorization at any time by sending a written notice to your employer and providing your employer and the Bank sufficient time to act upon the notice. Your employer may terminate this method of payment, with or without cause, at any time. Availability of Funds. For direct deposits and Visa ReadyLink deposits, we will make funds available to you and you will be able to access those funds with the Card on the same day that we receive funds for deposit. For external transfers from other financial institutions, we make funds available to you on the 3 rd business day after the day we receive your transfer deposit. If the day on which we receive the funds is not a business day for us, the funds will be available to you on the next business day. Page 3 of 13

4 Your Representations and Warranties. By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (a) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (b) the personal information that you provide to us in connection with the Card is true, correct and complete; (c) you received a copy of this agreement and agree to be bound by and to comply with its terms; and (d) you accept the Card. Using your Card. You can use the Card to: (a) obtain cash at ATMs and at branches of financial institutions; (b) purchase goods and services, including Internet purchases, at merchants that participate in the Visa system; and (c) pay bills. You may not use the Card to conduct illegal transactions, such as gambling, or to purchase illegal goods and services. We may refuse to authorize a Card transaction if: (i) the amount of the transaction exceeds the available balance on the Card; (ii) the Card is reported lost or stolen; (iii) we are uncertain whether the transaction is authorized by you; or (iv) we reasonably believe that the transaction is made in connection with an unlawful transaction or activity, including without limitation, gaming, gambling, lottery, or similar activities. We may temporarily freeze the Card and attempt to contact you if we note transactions that are unusual or appear suspicious. To purchase gas, you must give the Card to an attendant to obtain authorization for the payment amount, rather than inserting the Card at the pump. Authorization Holds. When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its value. When you use your Card at an ATM or for a teller cash advance transaction, we will authorize the transaction in advance (including all applicable fees). When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and will place a temporary hold on the funds for the amount indicated by the merchant. We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an authorization or a hold on your available balance for up to 90 days. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will release the hold when the transaction finally settles. Refunds for Purchases. No cash refunds will be made to you by the Bank on Card purchases. Any claim or dispute regarding goods or services purchased with the Card must be directed to the merchant or other business establishment at which you made the purchase. The amount of the credit, if any, will be reflected in your transaction history. You may not stop payment on Card purchases. Daily Limits on Transactions. You may use the Card to get cash withdrawals up to $2,500 per day. You may use the Card to purchase goods (in person, by phone, or by computer) not to exceed more than $5,000 in transactions per day. Holds and Special Purchases. Most merchants ask us to authorize your purchase. When we give authorization to a merchant, we will reserve or place a hold on funds on your Card, generally for up to 3 business days, to pay for your purchase. If the authorization is more or less than your actual purchase amount, the hold may remain for a day or two even after your purchase amount is paid from your Account. The purchase amount will be paid from your Card balance whenever the merchant sends it to us, even if that is after the hold has expired. At gas stations, where you pay at the pump, and the final amount of your gas purchase is not known when the gas station requests the purchase authorization from us, in most cases we will attempt to authorize up to $50 even if that pump seeks authorization for a lower amount. If $50 is more than your Available Balance on your Card at the time you inserted your Card into the pump, we may not authorize your purchase and your Card will be declined or we may give the merchant an authorization for an amount less than $50 up to the amount of your Available Balance. If $50 is less than your Available Balance, you agree that we have the right to temporarily hold the authorized amount ($50) from your balance, even if it is greater than the purchase amount, and that, depending upon your remaining balance, this could cause another subsequent purchase to be declined. To avoid a declined purchase, or incurring a hold greater than your actual purchase, pay for your gas purchase at the cashier and ask them to authorize your purchase for an amount no greater than what is available on your Card. Use at Restaurants, Hotels and Similar Merchants. When a merchant with employees receiving tips (e.g., restaurants, spas, hair salons, etc.) requests approval to complete your transaction, the authorization request amount will include a fixed percentage (approximately 20% or more) to the amount reflected on the bill presented to you prior to payment. This additional amount is meant to cover the tip or possible additional charges that the merchant expects you will add to the bill. A merchant in the travel business (such as a hotel, car rental agency, or cruise line) will also verify that your Card has sufficient funds to pay an anticipated bill for services you are requesting. The anticipated bill may be greater than the actual bill when you check out, return the rental car, etc. (even though only the actual amount of the bill ultimately will be deducted from your account). As a result of this increased authorization request, if you have insufficient available balance on your Card to cover the authorization request amount, your Card may be declined. Page 4 of 13

5 If you have more than sufficient available balance on your Card to cover the authorization request amount, it may result in an Authorization Hold on your available balance for the additional amount if you do not add the amount they expect. Once the merchant sends us the final transaction amount you designate, we will remove the Authorization Hold on your available balance for any additional amount exceeding the final transaction amount. This may take up to 90 days from the authorization request date and during this period you will not be able to use any balance subject to this Authorization Hold. Overdrafts. You may not use the Card to perform transaction(s) that exceed your available funds on the Card. There is no credit line associated with the Card. Transaction(s) in excess of the available balance will ordinarily be declined by the Bank and/or the merchant. If, however, the Bank settles such transaction(s), you remain responsible for the transaction(s) and agree to repay us the amount of any transaction(s) that exceed the available balance without further demand by us. At our option, we may deduct the amount due from you from the Card balance, now or in the future. We may also deduct the amount from any other account you may own at the Bank or any other prepaid card issued to you by the Bank. Card and PIN Security. You agree not to give or otherwise make the Card or PIN available to others. For security reasons, you agree not to write your PIN on the Card or keep it in the same location as the Card. You are responsible for all transactions made by you and any person you authorize or permit to use the Card or PIN. The Card is the Bank s property and must be returned to us upon request. If you authorize someone to use the Card or PIN, you are responsible for all transactions made with the Card or PIN until you notify us that such transactions are no longer authorized. 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 set forth in the Fee Schedule included with your Card and this Terms and Conditions document. 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. Card Replacement. If you need to replace your Card for any reason, please contact us at to request a replacement Card. You will be required to provide personal information which may include your Card Number, full name, transaction history, copies of accepted identification, etc. Foreign Currency Transactions. The exchange rate applied to Card transactions that occurred in a currency other than U.S. Dollars will be either: (1) A rate selected by the network that processes the transaction from the range of rates available in wholesale currency markets for the date it processes the transaction (this rate may be different than the rate the network receives); or (2) The government mandated rate in effect for the date the network processes the transaction. This exchange rate may differ from the rate on the date you used your Card. We will add an Exchange Rate Adjustment fee to the amount the network charged us for foreign currency transactions. Assignment. You may not assign your rights or obligations in connection with this Agreement, the funds available to you through the Card, or the Card itself to others. We may assign our rights and obligations under this Agreement to others without prior notice to you or your consent. Severability/Waiver. If any provision of this Agreement is deemed unlawful, void, or unenforceable, it will be deemed severed from this Agreement and shall not affect the validity and enforceability of the remaining provisions. We may delay enforcing our rights under this Agreement without losing them. Any waiver by us will not be deemed a waiver of other rights or of the same right at another time. Governing Law. This Agreement and the account shall be governed by applicable laws of the United States and, to the extent applicable, by the laws of the State of Kansas without regard to its conflict of laws principles. Legal Process. We may comply with any subpoena, levy or other legal process which we believe (correctly or otherwise) to be valid. We may notify you of such process by telephone, electronically or in writing. If we are not fully reimbursed for our record research, photocopying and handling costs by the party that served the process, we may charge such costs to your available Card funds. We may honor legal process that is served personally, by mail, or by facsimile transmission at any of our offices (including locations other than where the funds, records or property sought is held), even if the law requires personal delivery at a different location. Change in Terms. We may change (add to, delete or amend) this Agreement at any time by providing you with prior notice. Cancellation of Card/Termination of Agreement. We may suspend or terminate your use of the Card and terminate this Agreement with or without cause at any time by providing you with prior notice. We may terminate your use of the Card and this service immediately if: (a) you breach this Agreement or any other agreement with us; (b) we have reason to believe that there has been or may be an unauthorized use of the Card or PIN; or (c) there are conflicting claims to your funds. You may terminate your use of the Card Page 5 of 13

6 and this Agreement at any time by providing us with prior written notice. If you receive your pay by direct deposit to the Card, you should notify your employer of the termination and make other arrangements to receive future payments from your employer. We will refund any remaining balance on the Card after deducting all fees and any outstanding transactions by sending the balance to the address in our records. Card Expiration; Renewal. Subject to applicable law, you may use the Card only through its expiration date. If you attempt to use the Card after the expiration date, the transactions may not be processed. The Card is good for at least one year from the date of first activation. If there is a balance remaining on the Card upon expiration and your Card is in good standing, the balance will be transferred to a new Card. If we do not choose to issue a new Card to you or if we cancel your Card privileges for any reason, you can liquidate any remaining funds until such time that the card is cancelled. Any fees or charges owed to us must be collected before liquidating and closing your Card. Inactive Cards-Unclaimed Property. If your Card has a zero or negative balance, we may, at our option, cancel your Card without notice. If we have no record of Card activity for 5 years, applicable law requires us to report the balance on the Card as unclaimed property. If this occurs, we will attempt 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 of Kansas as unclaimed property. ELECTRONIC FUND TRANSFER (EFT) ACT DISCLOSURE The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your Card. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Types of Transfers, Frequency and Dollar Limitations (a) Prearranged Transfers. Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your Card Account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Card Account (b) Telephone Transfers. You may move funds to another MEMBER PREFERENCE Prepaid Debit Card account you may have with Bank of Labor. You may transfer up to $5,000 per day. (c) ATM Transfers. You may access your Card Account by ATM using your Card and personal identification number to: Get cash withdrawals of no more than $2,500 per day from your Card. Get Card Account balance information. (d) Point-Of-Sale Transactions. You may use your Card to purchase goods (in person, by phone, by computer), pay for services (in person, by phone, by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You may not exceed more than $2,500 in transactions per day. (e) Computer Transfers. You may access your Card Account by computer by accessing the website and using your access ID and Password to: Make Card to account payment; Make Card to account transfer. You may not exceed more than $2,500 in transactions per day. Make Card to another MEMBER PREFERENCE Prepaid Debit Card transfer; Make Card to another MEMBER PREFERENCE Prepaid Debit Card credit transfer. You may not exceed more than $5,000 in transfers per day. Make Card to account transfer debit; Make account to Card transfer credit. You may not exceed more than $5,000 in transfers per day. Get Card Account information. (f) Mobile Banking Transfers. You may access your Card Account by web-enabled cell phone by accessing the and selecting Login and using your access ID and Mobile Banking PIN Number to: Make Card to account payment; Make Card to account transfer. You may not exceed more than $2,500 in transactions per day. Make Card to another MEMBER PREFERENCE Prepaid Debit Card debit transfer; Make Card to another MEMBER PREFERENCE Prepaid Debit Card credit transfer. You may not exceed more than $5,000 in transfers per day. Make Card to account transfer debit; Make account to Card transfer credit. You may not exceed more than $5,000 in transfers per day. Using Mobile Banking Remote Deposit Capture you may make deposits to your Card Account. Deposit of check may not exceed more than $5,000 per check and $5,000 per day. Monthly remote deposit capture limit is $25,000. Get Card Account information. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. (g) Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your Card Account and the third party s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In all cases, these third party transfers will require you to provide the third party with your Card number and financial institution information. You should only provide your financial institution and Card information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Page 6 of 13

7 Fees. We charge the following fees: Monthly Fee-$8.00; Deposit of Preprinted Payroll and Government checks by mobile Remote Deposit Capture-$5.95; Out-of-Network ATM-plus any fees assessed by the ATM owner/operator-$2.00; International ATM-plus any fees assessed by the ATM owner/operator-$4.95; Non-monetary transactions at ATM (e.g., Balance Inquiry)-$0.50; Expedited Online Bill Payment (ACH) $5.00; Expedited Online Bill Payment (Check) $30.00; Bill payment stop payment-$25.00; Card to non-member PREFERENCE transfer or vice versa-$0.50; Customer service call-$3.95; Paper statement-$5.00; Replacement card (expedited)- $12.00; Foreign exchange fees (in addition to pass through network fee)-$2.00. 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. ATM Operator/Network Fees. When you use an ATM not In-Network (MoneyPass and AllPoint), you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Documentation (a) Terminal Transfers. You can get a receipt at the time you make a transfer to or from your Card using an automated teller machine or point-of-sale terminal. You may not get a receipt if the amount of the transfer is $15 or less. (b) Preauthorized Credits. If you have arranged to have direct deposits made to your Card at least once every 60 days from the same person or company, you can call us at the telephone number listed below to find out whether or not the deposit has been made. You may also review your Card transaction history online at (c) In addition, you will get an online monthly account statement from us. Preauthorized Transfers/Payments (a) Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your Card Account, you can stop any of these payments. Here s how: Call or write us at the telephone number or address listed in this disclosure, 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. We charge $25.00 for each stop payment. (b) Notice of varying amounts. If these regular payments may 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 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 one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your actual losses or damages. Financial Institution s Liability (a) Liability for failure to make transfers. If we do not complete a transfer to or from your Card Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer. If the automated teller machine where you are making the transfer does not have enough cash. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. There may be other exceptions stated in our agreement with you. Confidentiality. We will disclose information to third parties about your Card Account or the transfers you make: where it is necessary for completing transfers; or in order to verify the existence and condition of your Card Account for a third party, such as a credit bureau or merchant; or in order to comply with government agency or court orders; or if you give us written permission; or as explained in the separate Privacy Disclosure. Unauthorized Transfers. (a) Consumer Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Card. Telephoning is the best Page 7 of 13

8 way of keeping your possible losses down. You could lose all the money associated with Card. If you tell us within 4 business days after you learn of the loss or theft of your Card and/or code, you can lose no more than $50 if someone used your Card and/or code without your permission. If you do NOT tell us within 4 business days after you learn of the loss or theft of your Card and/or code, and we can prove we could have stopped someone from using your Card and/or code without your permission if you had told us, you could lose as much as $300. Also, if your Card Account statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days after your Card Account statement is available to you, 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 told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. (b) Contact in event of unauthorized transfer. If you believe your Card and/or code has been lost or stolen, call or write us at the telephone number or address listed at the end of this disclosure. Visa Prepaid Debit Card. Additional limits on liability apply for the MEMBER PREFERENCE Visa Prepaid Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Prepaid Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association. Error Resolution Notice In Case of Errors or Questions about Your Electronic Transfers, Call or Write us at the telephone number or address listed below, as soon as you can, if you think your Card Account statement or receipt is wrong or if you need more information about a transfer listed on the Card Account statement or receipt. We must hear from you no later than 60 days after we made available the FIRST statement on which the problem or error appeared. You will need to: (1) Tell us your name and prepaid debit card number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tells us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days (90 calendar days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days if involving a Visa point-of-sale transaction processed by Visa or 20 business days if the transfer involved a new account) 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. A prepaid debit card is considered a new account for 30 calendar days after the first deposit is made, if you are a new customer. We will tell you the results within 3 business days after completing our 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. Foreign Currency Transactions. The exchange rate applied to prepaid debit card transactions that occurred in a currency other than U.S. Dollars will be either: (1) A rate selected by the network that processes the transaction from the range of rates available in wholesale currency markets for the date it processes the transaction (this rate may be different than the rate the network receives), or (2) The government mandated rate in effect for the date the network processes the transaction. This exchange rate may differ from the rate on the date you used your Card. We will add a Foreign Exchange fee of $2.00 to the amount the network charged us for foreign currency transactions. Available Balance and Transaction History. You may obtain information about the money you have remaining on your Card by the following methods: (i) on the receipt when you perform an ATM transaction or make a purchase at certain merchants; (ii) by performing a balance inquiry at ATMs; (iii) by calling the Customer Service Center at ; (iv) through use of mobile app or (v) online at (Certain fees will apply refer to the section titled Fees. ) In addition, you may obtain a 60-day written account transaction history by calling Page 8 of 13

9 or by writing us at: 756 Minnesota Avenue, Kansas City KS Business Days. Our business days are Monday through Friday, excluding federal holidays. NAME, ADDRESS, PHONE NUMBER TO CONTACT FOR ERRORS AND INFORMATION: (866) Bank of Labor 756 Minnesota Avenue Kansas City, KS Arbitration. IT IS IMPORTANT THAT YOU READ THIS ARBITRATION PROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH CLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION, OR OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS. IN NO EVENT AND UNDER NO CIRCUMSTANCES SHALL ANY PARTY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR INDIRECT DAMAGES, INCLUDING, WITHOUT LIMITATION LOSS OF PROFITS, EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Arbitration Option Any claim or dispute ( Claim ) by either you or us against the other arising from or relating in any way to the Card or the Agreement will, at the election of either you or us, be resolved by binding arbitration. Coverage This arbitration provision governs all Claims, whether such claims are based on law, statute, contract, regulation, ordinance, tort, common law, constitutional provision, or any other legal theory and whether such Claim seeks as remedies money damages, penalties, injunctions or declaratory or equitable relief. Claims subject to this arbitration provision include Claims regarding the applicability of this provision or the validity of this or any prior agreement. As used in this arbitration provision, the term Claim is to be given the broadest possible meaning, and includes Claims that arose in the past or arise in the present or future. Claims subject to arbitration also include Claims that are made as counterclaims, cross-claims, third-party claims, and interpleaders or otherwise. No Class Action If a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action only. This means that even if a demand for class arbitration, class action lawsuit or other representative action, including a private attorney general action, is filed, any Claim related to the issues of such lawsuits will be subject to individual arbitration. Small Claims Court Notwithstanding this arbitration provision, if you have a Claim that is within the jurisdiction of the small claims court, you may file your Claim there. Any appeal from a decision of a small claims court shall be subject this arbitration provision. Process and Notice The arbitration, including the selection of the arbitrator, shall be administered by the American Arbitration Association ( AAA ) and their respective rules in effect at the time the Claim is filed. To start an arbitration proceeding, you or we must give notice of an election to arbitrate to the other. This notice may be given after a lawsuit has been filed and may be given in papers or motions in the lawsuit. Our notice to you may be provided to you at your last known address or at such other address as we may have in our records; your notice to us shall be given at: Bank of Labor, 756 Minnesota Avenue, Kansas City, KS If the Bank initiates arbitration against you, the Bank will notify you in writing. If there is a conflict between the rules and procedures of the administrator and any term in this arbitration provision, the terms of this arbitration provision shall prevail. You or the Bank may bring a summary or expedited motion to compel arbitration of any Claim or to stay the litigation of any Claims pending in any court. Such a motion or action may be brought at any time. The failure to initiate or request arbitration at the beginning of a dispute or claim shall not be construed as a waiver of the right to arbitration. Administrator Rules and Contact Information You may obtain a copy of the current rules of the arbitration administrator, including information about arbitration, fees, and instructions for initiating arbitration, by contacting the administrators using the following information: American Arbitration Association 1633 Broadway, Floor 10New York NY Phone: Fax: Web site: Page 9 of 13

10 You and the Bank each agree that in this relationship, you and the Bank are participating in transactions involving interstate commerce which shall be governed by the provisions of the Federal Arbitration Act, Title 9 of the United States Code ( FAA ) and not by any state law concerning arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and applicable privilege rules, and shall be authorized to award all available remedies, including without limitation, damages (to the extent not limited by this Agreement), declaratory, injunctive and other equitable relief, and attorneys fees and costs. The arbitrator shall follow rules of procedure and evidence consistent with the FAA, this provision and the administrator s rules. Any court with jurisdiction may enter judgment upon the arbitrator s award. The arbitrator s award will be final and binding, except for any appeal right under the FAA. Costs and Fees All fees and costs are allocated pursuant to the rules of the AAA. At your request, the Bank will advance the first $500 of the filing and hearing fees for any Claim that you may file against the Bank. The arbitrator may award any fees, cost, and expenses including attorney s fees, as permitted by the administrator s rules. Unless applicable law provides otherwise, the appealing party will pay the cost of appeal, regardless of its outcome. However, we will consider in good faith any reasonable written request for us to bear the cost of your appeal. We will pay any fees or expenses we are required by law to pay or in order to make this arbitration provision enforceable. Survival This arbitration provision shall survive termination or suspension of the Card at the Bank. If any portion of this arbitration provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this arbitration provision or this Agreement; provided, however, if the limitations on class actions are struck in a proceeding brought on a class, representative or private attorney general basis, without impairing the right to appeal such decision, this entire arbitration provision (other than this proviso) shall be null and void in such proceeding. NOTICE OF SAFETY PRECAUTIONS. You should employ the following basic safety precautions while using an automated teller machine ( ATM ) during hours of darkness: (i) be aware of your surroundings when using an ATM, particularly during the hours of darkness; (ii) be accompanied by another person when using an ATM during the hours of darkness; (iii) refrain from displaying cash and your PIN, place cash in a pocket as soon as a transaction is completed, and count cash in the safety of a locked enclosure such as a car or home; (iv) use another ATM or return at a later time if anything suspicious is noticed; (v) cancel a transaction, place your Access Device in a pocket, and leave if you notice anything suspicious when using an ATM; (vi) immediately report all crimes to the operator of the ATM and to local law enforcement officials; and (vii) create a PIN that is difficult to guess by others, memorize it, and do not carry your PIN with your card. IMPORTANT INFORMATION ABOUT OUR IDENTIFICATION PROCEDURES. To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who requests a Card. What this means to you: You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide your drivers license or other identifying documents. Bank Right of Set-off. You agree that Bank is authorized at any time to set-off against the funds associated with your Card or the related prepaid value account against your debts or liabilities owed to Bank. Bank may exercise this right of set-off with or without notice to you, to the extent permitted by applicable law. Entire Agreement. This Agreement and the Fee Schedule constitute the entire agreement between you and the Bank with respect to your use of the Card and supersedes any prior oral or written agreements with respect to the subject matter contained herein. *********************************************************************************************************** Online Bill Pay and e-bill Presentment Terms and Conditions This Agreement is between you and Bank of Labor ("Bank") and governs the use of the Online Bill Pay Service ("Online Bill Pay") and e-bill Presentment ("e-bills") services (jointly referred to as "Services") on this web site. When you enroll your Card Account, you agree to the terms and conditions of this Agreement. DEFINITIONS: As used in this Agreement, the following terms have the following meanings: "Business Day" means Monday through Friday, excluding Federal holidays. Page 10 of 13

11 "Consumer" means a customer who is a natural person enrolling accounts which are used primarily for personal, family or household purposes. "Cutoff Time" means 8:00 P.M. Central Time on any Business Day and is the time by which you must transmit instructions to have them considered entered on that particular Business Day. "e-bills" means the electronic presentment of bills from Payees. "epayment" means an electronic payment transmitted by automated clearing house (ACH). "Payee" means the merchant or other person or entity to whom you wish a payment to be directed. "Payment Account" means your Card account from which all bill payments will be made. "Payment Amount" means the amount in US dollars you authorize to be paid to a Payee. "Payment Date" means the Business Day upon which your Payment Account will be debited. (Sometimes referred to as "Send On Date".) "Payment Instruction" means the information provided by you for a bill payment to be made to your Payee. "Pending Payment" means any Payment Instruction which you have ordered to be made which has not been canceled by you before the Cutoff Time on the Payment Date. "Repeating Payment" means an automatic recurring payment to the same Payee for the same Payment Amount which you can authorize for payment up to 364 days in advance. ONLINE BILL PAY and e-bills: You must be at least eighteen (18) years of age (or older if you reside in a state where the majority age is older) to enroll in the Services. You must provide a valid address to the Bank and maintain access to the Internet. It is your responsibility to notify the Bank of any and all changes to your address. The Bank accepts no responsibility or liability for the consequences of your failure to notify the Bank of all changes to your address. ONLINE BILL PAY: In order to use Online Bill Pay, you must maintain your Card Account. You may pay bills only in US dollars to Payees located in the United States (including Guam, Puerto Rico, U.S. Virgin Islands and U.S. military bases). You may enter Payment Instructions for a onetime payment or for Repeating Payments up to 364 days in advance. The minimum payment you may request is $.01 and the maximum is $9, Repeating Payments may be scheduled on a regular basis: weekly, bi-weekly, twice a month, monthly, every two months, quarterly, semi-annually or annually. You may change the payment date of any single scheduled recurring payment by changing it on the Bill Pay Site at least one (1) business day before the scheduled date of the payment. However, we will continue to charge your Card Account for that payment and for other recurring payments until the expiration date you set for the payments or the date you cancel the recurring payments through the Bill Pay service, whichever occurs sooner. You may make payments to or at the direction of government agencies, organizations and institutions, and court directed payments. The Bank has limited ability to research any issues arising from such government or court directed payments and will not be responsible for any late fees or penalties incurred by the use of Online Bill Pay for such payments. By providing the names and account information of your Payees, you authorize the Bank to follow the Payment Instructions that it receives through Online Bill Pay. When the Bank receives a Payment Instruction, you authorize the Bank to debit your Card Account on the Payment Date and remit funds on your behalf. You agree to only instruct the Bank to make a withdrawal when a sufficient balance is or will be available in your Card Account on the Payment Date. The Bank is under no obligation to notify you if a payment is not completed because there are non-sufficient funds in your Payment Account to process the transactions. BILL PAY PROCESSING: Payment Instruction entered must include a Payment Date (Send On Date). You should select a Send On Date based upon the actual payment due date on your bill, not the late date or a date in the grace period. The Send On Date should allow sufficient time for processing the transaction and remitting the funds (either by epayment or check) to the Payee. No less than 3 business days should be allowed, after Bank processing, for remittance of funds if by epayment. No less than 5 business days should be allowed, after Bank processing, for remittance if by check. (For example, if the actual due date of the bill is Wednesday the 9th the latest date that should be chosen as the Send On Date is Friday the 4th, if remittance is by epayment, or Wednesday the 2nd if remittance is by check.) The determination of whether payment is made by epayment or check is at the sole discretion of the Bank and will be based primarily on acceptance of epayments by specific Payees. The Bank is not responsible for any charges imposed, or any other action, by a Payee resulting from a late payment, including any applicable finance charges and/or late fees. Payment Instructions may be processed either electronically or via check. You may schedule multiple payments to the same Payee with the same Payment Date so long as they are for differing Payment Amounts. If you enter multiple payments to the same Payee with the same Payment Date and in the same Payment Amount, Online Bill Pay will not send the duplicate payments. When more than Page 11 of 13

12 one customer schedules a payment to the same Payee on the same date, all such payments may be consolidated and one electronic file or check may be issued to the Payee. Since your Payment Instructions are transmitted by computer, the payment will not be sent to the Payee with the Payee's payment stub. Payments received without the payment stub are sometimes processed at a different location. In addition, some Payees take longer to process payments made without payment stubs. It is your responsibility to contact your Payees to ensure that the address provided in your Payment Instruction is the correct address and that you allow sufficient time for the Payment to be sent and posted by the Payee. CANCELLING PAYMENTS AND PLACING STOP PAYMENTS: You may cancel or change any Payment Instruction prior to the Cutoff Time on the Payment Date. If the payment has been made by check, you may request a stop payment be placed on that check by contacting (Fee will apply see Fee Schedule) No stop payment will be placed if the check has already been presented for payment. If you request a stop payment on a Repeating Payment, it will not affect future Repeating Payments unless you enter new Payment Instructions. No stop payment can be placed after the Cutoff Time on the Payment Date if the payment has been made by epayment. GENERAL ONLINE BILL PAY PROVISIONS: The Bank will use its best efforts to make your payments properly and in accordance with your Payment Instructions. The Bank shall not be responsible and shall have no liability for any payment it is unable to complete due to any of the following circumstances: 1. Through no fault of the Bank, your Card Account does not contain sufficient funds to complete the transaction. 2. Online Bill Pay is not working properly and you know or have been advised of the malfunction before you execute the transaction. 3. You have not provided correct information regarding the Payee. 4. Circumstances beyond the control of the Bank (such as, but not limited to, telecommunications failure, acts of God, fire, riot, war, act of terrorism, or severe or adverse weather) prevent the proper execution of the transaction and the Bank has taken reasonable precautions to prevent the circumstances. If for any reason your access connection is interrupted during an on-line session or you have questions regarding whether your Payment Instructions were received by the Bank, please call GENERAL e-bill PRESENTMENT PROVISIONS Each Payee from whom you want to receive an e-bill must be set up in Online Bill Pay. By setting up a Payee on Online Bill Pay for e-bills, you are authorizing the Bank to obtain your billing information on your behalf from the designated Payee. For each Payee either the Bank will contact the Payee through its website and obtain your billing information or the Payee will directly provide your billing information to the Bank electronically. For those Payees where the Bank contacts the Payee s website in order to retrieve your billing information, you will be required to establish an e-bill account with the Payee. Once the Payee e-bill account is established, the Bank will use your login information for that Payee s e-bill account on its website in order to obtain your billing information. For such Payees, you agree to provide your login information to the Bank and to promptly notify the Bank when there is a change to such login information. For those Payees where your billing information is directly provided to the Bank electronically, you agree to provide the Bank with sufficient information from your last statement in order to authenticate your request to the Payee. The information which shall be deemed sufficient for this purpose will vary by Payee. Once the request is authenticated, the Payee will provide a bill summary for each billing cycle along with a secure link to view the detailed e-bill. E-bills retrieved from a Payee s website will be available for viewing for a period of 18 months. Bill summary information received from Payees will also be available for viewing for a period of 18 months. Detailed e-bill information from those Payees providing summaries will be available on the Payees site in accord with their site s policies and practices. The Bank is not responsible for providing access to such detailed information after the Payee has deleted it from their site. The Bank is not responsible for the accuracy of the information contained in the e-bill. All billing questions and disputes must be communicated directly to the Payee. The Bank is not responsible for the failure to provide an e-bill for any Payee who does not provide the information to the Bank or for any Payee where the logon information provided by you does not access the Payee s website. DISCONTINUATION OR TERMINATION OF SERVICES: In the event you wish to discontinue using Online Bill Pay, you must provide 10 days written notice prior to the actual discontinuation date. Written notice must be sent to Bank of Labor 756 Minnesota Ave, Kansas City, KS Once the Bank has acted on your Page 12 of 13

13 discontinuation notice, the Bank will make no further bill payments, including any bill payments previously authorized. The Bank may terminate your use of Online Bill Pay, in whole or in part, at any time without prior notice. The Bank reserves the right to cancel Online Bill Pay to all customers, without prior notice. Your access to Online Bill Pay will be terminated automatically if the Payment Account is closed or access to the Payment Account is restricted for any reason. The Bank may terminate your enrollment in Online Bill Pay Service if your Online Bill Pay is inactive for a period of 90 days. Inactive is defined as no bill payments in the last 90 days and no active Payment Instructions. Discontinuation of Online Bill Pay, regardless if initiated by you or by Bank, will also terminate e-bills. You will no longer have access to the e-bills unless you have saved them to an electronic file or if they can be accessed directly from the Payee s website. You will be responsible for re-initiating a paper bill with your Payees. The Bank will not be responsible for presenting any e-bills that are already in process at the time service is discontinued. Discontinuation or termination of the Services shall not affect your liability or obligation under this Agreement. Governing Law This Agreement shall be governed by and construed in accordance with the laws of the State of Kansas without regard to principles of conflicts of laws. THE FOREGOING SHALL CONSTITUTE THE BANK S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. BANK DOES NOT PROVIDE WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE AND/OR THE ONLINE BANKING SERVICE OR MOBILE BANKING SERVICE. Page 13 of 13