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State of WashingtonPayroll Card ProgramFocus Prepaid Card Questions and Answers – for Employees:State of Washington employees may opt to utilize two convenient direct deposit options, (1) traditionaldirect deposit to a checking or savings bank account or (2) the US Bank Focus Prepaid Card. With theFocus Prepaid Card, your net pay is deposited onto a prepaid Visa card. It’s perfect for employeeswithout a bank account.With the Focus Prepaid Card, your net pay is loaded onto the card each payday and available for use by9:00 the morning of payday. You can use the card to make purchases at millions of locations worldwidethat accept Visa debit cards. The Focus Prepaid Card can also be used at over one million Visa Plus ATMsworldwide to make cash withdrawals.The State of Washington is offering these cards as an option in order to pay employees more securelyand efficiently. By paying employees electronically (via Automated Clearing House payment) to the card,the state will save money on staff time needed for processing lost, stolen, or forged state treasurywarrants. Users of the card enjoy many .18.19.20.21.What is the Focus Prepaid Card?Do employees who are currently paid with a warrant have to switch to using the Focus PrepaidCard?Is the Focus Prepaid card a credit card?How is the card used?Does it cost employees anything to have the Focus Prepaid Card?How much does it cost to replace a lost card?How can I access my funds without a card?How is the Focus Prepaid Card account set up?Once the Focus Prepaid Card account is established, how long will it be before the card arrives inthe mail?What does the employee do after receiving the card?When the card is sent in the mail, what does the envelope look like?What information or instructions come with the card?Do I need a PIN to use the card?How does the State of Washington deposit money onto the card?When is my net pay available?Are emergency cash transfers available?Is a cardholder able to add funds to the card in addition to what the State deposits?Does each card use a separate account number?Does the employee receive a new card every time a payment is due to him/her?When getting cash, does the cardholder have to go to a US Bank ATM or US Bank Branch?Does the employee have to have an existing relationship with US Bank or any other bank?Page 1

.39.40.41.Who can the cardholder contact if they have questions about the card?What services does US Bank’s 24-hour Cardholder Service center provide?How do cardholders check the available balance?What happens if the card is lost or stolen?What are the benefits to employees who utilize the Focus Prepaid Card?What are the benefits to the State?How do employees qualify for the card?How do I sign up?Can a cardholder request a second card for another individual such as a family member?Can the card be used by someone other than the person whose name is on it?Does the cardholder receive a monthly paper statement in the mail?Can the cardholder view the account on-line?Can the State view or track individual cardholder transaction activity?Do I need to activate the card prior to funds being deposited?Can the cards be overdrawn?How do I get my name or address changed on this card account?Will I earn interest on my funds in my Focus Prepaid Card account?Can I continue to use the Focus Prepaid Card if I leave employment with the State?Can I receive travel and other reimbursements through my Focus Prepaid card?Can I opt out of receiving additional marketing materials from US Bank?1. What is the Focus Prepaid Card?The Focus Prepaid Card is a prepaid debit card. Net pay is deposited directly onto the card each payperiod. No credit check is needed. Every employee qualifies.2. Do employees who are currently paid with a warrant have to switch to using the Focus PrepaidCard?No. The decision to use the Focus Prepaid Card is voluntary on the employee’s part.3. Is the Focus Prepaid card a credit card?No. Unlike a credit card, no credit line will be available with the Focus Prepaid Card. Cardholders canonly spend the funds available on the card.4. How is the card used?The Focus Prepaid Card works like a debit card. It is accepted at millions of locations worldwide thataccept Visa cards and can be used at over one million Visa Plus ATMs to make cash withdrawals.Cardholders can receive cash back with their purchases at many Interlink merchants such assupermarkets. Emergency cash transfers are available worldwide. However, non-US Bank ATM fees mayapply. Employees are using their own money, so there is no risk of debt.Page 2

5. Does it cost employees anything to have the Focus Prepaid Card?There is no annual fee for the Focus Prepaid Card. Cardholders will be able to make unlimitedwithdrawals, without a fee, from any US Bank ATM or from a teller at any financial institution thataccepts Visa. Making a purchase with the Focus Prepaid Card is always free if shopping at a Visamerchant or using a PIN. There are some situations in which a cardholder may experience fees. Themost common fees are for making a withdrawal from a non-US Bank ATM or for overdrawing theaccount. It is important to know that is very easy to avoid the fees and use the card for free.Individuals may also view potential payroll card fees at http://www.ofm.wa.gov/resources/payroll.asp.In many cases, employees can avoid all fees by the way they access their funds or make purchases. Thisfee schedule expires with the Focus Prepaid contract in June 2018.6. How much does it cost to replace a lost card?It will cost 5.00 to replace your card. Please see the current fee schedule athttp://www.ofm.wa.gov/resources/payroll.asp.7. How can I access my funds without a card?You cannot access the funds account if you have not received a card, or if your card has been lost. Youmay access your account online, once your account has been activated, by visiting Cardholder Servicesat www.usbankfocus.com or 1.877.474.0010.8. How is the Focus Prepaid Card account set up?Employees will complete an Authorization for Automated Clearing House (ACH) Direct Deposit of Wagesform specifying the Focus Prepaid Card as their method to receive net pay. Your Payroll office will set upthe account. Once the account is set up, US Bank issues a card in the employee’s name and mails it tothe employee. Employees must activate the card by phone by calling Cardholder Services at1.877.474.0010 or by visiting www.usbankfocus.com. Once the card has been activated, the cardholdermust contact the agency payroll office to initiate electronic deposit of payroll funds.9. Once the Focus Prepaid Card account is established, how long will it be before the card arrives inthe mail?Within 7-10 business days.10. What does the employee do after receiving the card?After the cardholder receives the card, the cardholder must activate the card by calling CardholderServices at 1.877.474.0010 or visiting www.usbankfocus.com.Once the card has been activated, the cardholder must contact the agency payroll office to initiateelectronic deposit of payroll funds.11. When the card is sent in the mail, what does the envelope look like?For security reasons, the cards are mailed in a plain white windowed envelope with a CITY, STATE returnaddress.Page 3

12. What information or instructions come with the card?The card comes with the following: A user guide, which includes: Step-by-step instructions Customer service information Tips on special transactions Other informationCardholder Agreement, including US Bank’s standard schedule of fees and privacy policy13. Do I need a PIN to use the card?No PIN is needed to make signature-based purchases. However, you must use a PIN for cashwithdrawals at ATMs or when requesting cash back with a purchase. You choose your own PIN whenyou receive your card. For security reasons, it is important that you pick a PIN that only you would know.Do not share your PIN or the card with anyone. You should never write your PIN on your card.14. How does the State of Washington deposit money onto the card?Anytime a payroll payment is due to the employee, the State will use the ACH to deposit net payelectronically to the card. This is the same process used for depositing net pay directly into a checking orsavings account. This process sends the money safely and dependably.15. When is my net pay available?Employees will have access to their money by 9:00 the morning of payday.16. Are emergency cash transfers available?Yes. Emergency cash transfers are available worldwide. However, non-US Bank ATM fees may apply.17. Is a cardholder able to add funds to the card in addition to what the State deposits?A cardholder may only add funds to the account through an ACH transfer such as a payroll deposit. Thecardholder may not deposit funds at a branch or at an ATM.18. Does each card use a separate account number?Yes, accounts are individually owned FDIC insured deposit accounts.19. Does the employee receive a new card every time a payment is due to him/her?No. All future payments will be automatically deposited onto the initial card received. If the card is everlost or stolen and reported as such, a new one will be sent to the cardholder. The remaining availablebalance from the old card is transferred to the new card. Subsequent payments will automatically go tothe new card.20. When getting cash, does the cardholder have to go to a US Bank ATM or US Bank Branch?No. A cardholder may obtain cash from any of the million Visa Plus-branded ATMs throughout theworld, or over the counter at any bank or credit union that accepts Visa. The cardholder can also getcash back on purchases made at 1.4 million Interlink and NYCE merchants throughout the United Statessuch as grocery and discount stores. Note: To identify an Interlink or NYCE merchant, look for theInterlink or NYCE logo (on the back of the card) displayed on the merchant’s door or checkout counter.Page 4

21. Does the employee have to have an existing relationship with US Bank or any other bank?No.22. Who can the cardholder contact if they have questions about the card?For questions about your pay, such as when you will receive the next deposit to the card, or the amountof the deposit to your card, contact your state agency payroll office. For all other questions about theFocus Prepaid card, customer service is available 24/7/365 toll-free at 1.877.474.0010 orwww.usbankfocus.com.23. What services does US Bank’s 24-hour Cardholder Service center provide?You can perform the following services through Cardholder Services at 1.877.474.0010 orwww.usbankfocus.com: Activate the cardChoose/Change PINCheck account balanceCheck date/amount of last depositCheck recent transactionsOpt to speak to a Cardholder Services representative if additional assistance is needed, such as:o Card activationo Change name/address (Note: Contact your HR representative to change yourname/address for payroll purposes)o Ask statement questionso Request duplicate statementso Investigate transactionso Process lost/stolen/damage card reportso Request an emergency cash transfero Close accounts and/or arrange portabilityYou may also utilize the website at www.usbankfocus.com for inquiries. Local US Bank branchrepresentatives are not able to assist with customer service issues.24. How do cardholders check the available balance?Cardholders can obtain their balance in three ways: view your account online at www.usbankfocus.com,do a balance inquiry at the ATM, or contact Cardholder Services at 1.877.474.0010.25. What happens if the card is lost or stolen?Cardholders must contact Cardholder Services at 1.877.474.0010 to report a lost or stolen card. A newcard will be issued and any remaining balance will be transferred to the new card. The cardholder isprotected against fraudulent activity under Federal Regulation E.Page 5

26. What are the benefits to employees who utilize the Focus Prepaid Card?Employees receive convenient access to their pay. Employees without a bank account will avoid theinconvenience and expense of going to a bank to cash their payroll state treasury warrant. Employeeswill also have access to their money by 9:00 the morning of payday. There is no need to come in on daysoff to pick up a paycheck, or to walk around with large amounts of cash. The Focus Prepaid Card giveseveryone the convenience, power and prestige of having a Visa card.27. What are the benefits to the State?The issuance of paper state treasury warrants is costly and time consuming. Electronic payments helpeliminate costs associated with issuing, printing, delivering, replacing and reconciling paper paychecks,and can reduce fraud related to forgeries.28. How do employees qualify for the card?No credit approval is required. State employees are automatically approved.29. How do I sign up?Contact a human resource or payroll staff member at your agency to sign up. The process is quick andeasy.30. Can a cardholder request a second card for another individual such as a family member?Yes. The employee may request one additional companion card per account.31. Can the card be used by someone other than the person whose name is on it?For security reasons, cardholders should never share the PIN or allow anyone else to use the card.32. Does the cardholder receive a monthly paper statement in the mail?Statements are available online via www.usbankfocus.com at no charge to the employee. If theemployee wishes to receive a paper statement there is a 2.00 per statement charge. They must makethis request through Cardholder Services at 1.877.474.0010 or on the website.33. Can the cardholder view the account on-line?Yes, at www.usbankfocus.com. The following functions can be performed on-line without a fee: Card ActivationSelect PINPIN changeBalance inquiryView transaction historyOnline funds transferObtain dispute formsLocate and ATMFrequently asked questionsPage 6

34. Can the State view or track individual cardholder transaction activity?No. For privacy reasons, US Bank does not share transaction details. However, for reconciliationpurposes, the state does have access to the amount and date of deposits to the individual cards via thestate payroll system.35. Do I need to activate the card prior to funds being deposited?No. Cardholders should activate the cards immediately upon receipt of the cards for security reasonsand in order to access funds available on the cards. Cardholders will not be able to use the card until thecard has been activated.36. Can the cards be overdrawn?Yes, in specific instances. Normally, you can only use up to the amount of pay available on the card.However, under certain circumstance, such as pay-at-the-pump gas dispensers or restaurants where youadd a tip to the bill, you can overdraw the card. If the card is overdrawn, you will be subject to anegative balance fee of 15.00. It is therefore important for you to track your balances carefully, just likea checking or savings bank account.37. How do I get my name or address changed on this card account?The cardholder must call Cardholder Services at 1.877.474.0010 to change the address on this account.The employee must also contact the state agency Human Resource office in order to change theiraddress in the payroll system.38. Will I earn interest on my funds in my Focus Prepaid Card account?No, your account does not earn interest.39. Can I continue to use the Focus Prepaid Card if I leave employment with the State?Once you leave employment with the State of Washington, you can continue to use the card, but thepricing structure will change, and it may cost you more money. The State will only load money on thecard that is due to you – net pay through your last day of employment.40. Can I receive travel and other reimbursements through my Focus Prepaid card?Employees may be able to receive non-payroll payments from their agency to the account designated inthe state payroll system. Contact your agency’s accounts payable or payroll office for details.41. Can I opt out of receiving additional marketing materials from US Bank?Please refer to the privacy policy included in the card package from US Bank, or athttps://www.usbank.com/privacy.Page 7

Focus Prepaid Card Questions and Answers – for Employees: State of Washington employees may opt to utilize two convenient direct deposit options, (1) traditional direct deposit to a checking or savings bank account or (2) the US Bank Focus Prepaid Card. With the Focus Prepaid