H&R BLOCK EMERALD PREPAID MASTERCARD The H&R Block Emerald Prepaid Mastercard is a tax refund-related deposit product issued by MetaBank , N.A.,Member FDIC. Emerald Financial Services, LLC, an H&R Block entity, is the program manager for MetaBank.Monthlyactivity feePer purchaseATM withdrawalCash reload 0 0N/A in-network 3.00 out-of-network 4.95*ATM balance inquiry 1.50Customer service 0Inactivity (after 60 days with no transactions) 4.95 per monthWe charge 5 other types of fees. Here are some of them:Over the counter withdrawal 35ATM decline 1.50*This fee can be lower depending on how and where this Card is used.No overdraft/credit feature.Your funds are eligible for FDIC insurance.For general information about prepaid accounts, visit details and conditions for all fees and services in the Cardholder Agreement.

H&R Block Emerald Prepaid Mastercard Cardholder AgreementIMPORTANT - PLEASE READ CAREFULLY1. Agreement and DefinitionsThis document is the agreement (“Agreement”) outlining the termsand conditions under which the H&R Block Emerald PrepaidMastercard has been issued to you. By accepting and using theCard(s) or by requesting funds to be loaded to the Card Accountassociated with the Card(s) by us or any third party, you agree to bebound by the terms and conditions contained in this Agreement.Please read this Agreement carefully and keep it for future reference.In this Agreement, “Card” or “Emerald Card ” means the H&RBlock Emerald Prepaid Mastercard. “Issuer” means MetaBank ,National Association ("MetaBank"), Member FDIC. “Card Account”means the records we maintain to account for the value associatedwith the Card(s). “You” and “your” mean the person or persons whohave received the Card(s) and are authorized to use the Card(s) asprovided for in this Agreement. “We,” “us,” and “our” meanMetaBank, our successors, affiliates or assignees. This Agreementincludes a binding Arbitration Agreement (see Section 17, below).4. Appointment of Issuer as Custodian; FDIC InsuranceWe will act as custodian of your funds upon our receipt of your funds.Once you activate your Card, you will be able to provide us, ascustodian, with instructions about the funds accessible through theCard. Activation of the Card authorizes us to hold your funds atMetaBank or as custodian to place your funds at one or moreparticipating FDIC-insured banks (each a “Program Bank”). to find the most up-to-date list ofProgram Banks. If you do not agree to us placing your funds ascustodian at other Program Banks, please immediately transfer orspend all the funds on your Card or call 1-866-353-1266 to cancelthe Card and request your funds at no charge.Your funds are eligible for deposit insurance up to the applicablelimits by the Federal Deposit Insurance Corporation (“FDIC”). In theevent the FDIC were to be appointed as a receiver for MetaBank or aProgram Bank, your funds, aggregated with any other funds you haveon deposit at such institution, would be eligible to be insured up to 250,000 for each legal category of account ownership, subject tocompliance with FDIC deposit insurance requirements. You areresponsible for monitoring the total amount of all direct or indirectdeposits held by you or for you with MetaBank and the ProgramBanks for purposes of monitoring the amount of your funds eligiblefor coverage by FDIC insurance. To assist with calculating yourFDIC deposit insurance coverage, the FDIC has an ElectronicDeposit Insurance Estimator available at Obtaining Your CardTo help the government fight the funding of terrorism and moneylaundering activities, the USA PATRIOT Act, a federal law, requiresall financial institutions and their third parties to obtain, verify, andrecord information that identifies each person who opens a CardAccount. What this means for you: When you open a Card Account,we will ask for your name, address, date of birth, and otherinformation that will allow us to identify you. We may also ask to seeyour driver's license or other identifying documents.5. Expired, Canceled or Inactive CardsThe expiration date of your Card is identified on the front of yourCard. If a balance remains in your Card Account after expiration ofall Cards associated with the Card Account, we may either mail acheck less any fees owed, or issue a new Card with access to theremaining balance in the Card Account, in either case sending it tothe address we have on record for you. If the balance in the CardAccount is not used or the check is not negotiated, the funds may beturned over to the appropriate state government authority after theexpiration of the appropriate escheat period.You must be 18 years of age to obtain the Card, or the legal age ofmajority in Alabama (19), Nebraska (19), and Puerto Rico (21).3. About the Card and Card AccountThe Card is a prepaid card and is connected to a Card Account. TheCard is not a credit card or a gift card. Neither the Card nor the CardAccount constitutes a checking or savings account. You will notreceive any interest on your funds in the Card Account. You may notresell, gift, or transfer the Card. You agree to sign the back of the Cardimmediately upon receipt. You may use your Card on an ongoingbasis. From time to time, we may issue a new Card associated withthe Card Account, including because of Card loss, Card theft,convenience, or circumstances in which the security of the CardAccount or your access to the Card Account is compromised.The Card is our property and must be surrendered upon demand. TheCard is nontransferable, and it may be canceled, suspended,repossessed, or revoked at any time without prior notice, subject toapplicable law. If any Card associated with the Card Account iscanceled, suspended, repossessed, or revoked, you will be entitled toany remaining balance in the Card Account. You may not use anexpired, canceled, or revoked Card. The Card is not designed forbusiness use, and we may close your Card Account and cancel yourCard if we determine that it is being used for business purposes. Wemay refuse to process any transaction that we believe may violate theterms of this Agreement.You may add your spouse or another person as a joint owner of theCard Account. A joint Card Account will be held in the names of twopersons as joint tenants with right of survivorship and not by any othermethod. This means that when one owner dies, the balance in the CardAccount will belong to the survivor. A joint owner will receive a Cardassociated with the same Card Account. All joint owners have equalrights in and full access to all funds in the Card Account. We will not,for example, restrict access to the Card Account on behalf of or at therequest of a joint owner. All joint owners will be bound by all termsand conditions of this Agreement.In our discretion, we may determine your Card Account is inactiveand close it, including after the Monthly Inactivity Fee depletes thebalance to zero. Inactive status is defined as 60 days of no transactionson your Card Account, excluding fees. Inactive Card Accounts willnot receive annual regulatory disclosure notices. In the instance of ourreceipt of any returned mail, mailed to the Cardholder’s address ofrecord, the Card Account may be deemed inactive for purposes of thissection.You acknowledge and agree that the value available in the CardAccount is limited to the funds that you have loaded or that have beenloaded on your behalf into the Card Account. Our business days areMonday through Friday, excluding Federal holidays, even if we areopen. Any reference to “days” found in the Agreement are calendardays unless indicated otherwise. Customer Service is available 24hours a day, 365 days a year.6. Personal Identification Number (“PIN”)We will provide you a PIN. With your PIN, you may use your Cardto obtain cash from any Automated Teller Machine (“ATM”) (except1

it may not be used at ATMs located outside the United States) or anyPoint-of-Sale (“POS”) device, as permissible by the merchant, whichallows entry of a PIN and bears the Mastercard Acceptance Mark. AllATM transactions are treated as cash withdrawal transactions. Youshould not write your PIN on your Card or keep your PIN with yourCard. If you believe that anyone has gained unauthorized access toyour PIN, you should advise us immediately, following theprocedures in Section 8(a), titled “Consumer liability forunauthorized transfers.” You may contact us at 1-866-353-1266 torequest your PIN be changed.You may not use your Card for unlawful online gambling or anyillegal transaction. You do not have the right to stop payment on anynon- recurring purchase or payment transaction originated by use ofyour Card. Your Card cannot be redeemed for cash. You may useyour Card to access cash through an ATM (except it may not be usedat ATMs located outside the United States) or over the counter at afinancial institution. You may also obtain the funds in your CardAccount by requesting that the balance be sent to you by check orautomated clearing house transaction.(c) Recurring Payments. You may make arrangements to pay certainrecurring bills using your Card.7. Using Your Card/Features(a) Loading Your Card. You may add funds to your Card Account atany time. You may add value or load your Card Account only viadirect deposit, transfer from your bank account, certain retail reloadproviders, through the Check-to-Card service and other approvedsources. A list of authorized retail reload locations is available bylogging in at The Check-to-Cardservice is provided by Ingo Money, Inc., our Check-to-Card serviceprovider, and the terms and conditions for the Check-to-Card serviceare governed by the Sunrise Banks and Ingo Money Terms andConditions.(d) Special Merchant Types. There are certain types of merchants thatsell goods or services where the final amount the merchant willcharge to the Card is unknown at the time the merchant first acceptsthe Card. Typical merchants in this category include rental carcompanies, hotels, restaurants, internet service providers and othertime-based or variable cost merchants. Therefore, the Card may be“authorized” or “have funds held” for more than the actual amount ofthe purchase until the final transaction is complete, which means thatthose “authorized dollars” are not available for you to spendelsewhere.Funds are available to you in your Card Account when we receive thefunds. If the day of receipt, however, is not a business day for us, orif the funds are received by us after the cutoff time we establish fromtime to time, the funds will be available to you by the opening of ournext business day. We reserve the right to reject or limit transfers viadirect deposit in our sole discretion; and may reject or suspend anydirect deposit that has identifying information that does not match theidentifying information we have on file for you or if we suspect fraud.The minimum amount of each initial value load is 0.00. Theminimum value of your Card Account is 0.00. You may not loadyour Card Account by sending cash or checks directly to us or throughany ATM. Personal checks, cashier’s checks, and money ordersmailed to the Issuer or by using an ATM are not an acceptable formof loading. All checks and money orders mailed to the Issuer for CardAccount loading will be returned unless the full amount may beapplied towards a negative balance, in which case the check or moneyorder may or may not be loaded to the Card Account at the discretionof the Issuer.Furthermore, transactions at certain merchants that authorize highdollar amounts, especially rental car companies and hotels, may causean “authorization” or a “hold” on your available Card Account fundsfor more than thirty (30) days, which means you will not have accessto the authorized dollar amount of these funds during that entire time.This is done to prevent fraud by Card users who may incur transactionamounts in excess of the amount first approved. Please note that wecannot manually release legitimate authorizations unless certainrequirements have been met. In addition, if you do not have enoughfunds available in the Card Account to complete a POS transaction,you may instruct the merchant to use the remaining funds in yourCard Account and pay the remaining amount of the purchase withcash, check, or another card. However, some merchants do not allowcardholders to conduct split tender transactions or will only allow youto do a split tender transaction if you pay the remaining balance incash. We cannot control these limitations. You may want to avoidusing your Card for these types of transactions.(e) Personalized Cards. We may elect to provide you with apersonalized Card at no cost to you. You may also request apersonalized Card by calling 1-866-353-1266. We are not obligatedto honor your request for a personalized Card and may or may notissue to you a personalized Card on a case-by-case basis.If you add funds to your Card Account and the item or transfer is notpaid or is reversed for any reason, including that the sending bank orthe originator of an item or transfer demands that we return the itemor transfer because it was unauthorized, sent to the wrong account orprocured by fraud, we may pay the return or demand and subtract thefunds from your Card Account.8. Electronic Fund Transfer Act DisclosuresThis Section 8 applies to your Card Account pursuant to RegulationE. That regulation applies to transactions you can perform using yourCard to access your Card Account, such as purchases and ATMtransactions. Regulation E also applies to other types of electronicfund transfers you can make from or to your Card Account, such aspayments made using bill pay and ACH transactions including thedirect deposit of your paycheck, tax refunds or other electronictransfers into your Card Account. Regulation E sets forth the basicrights, liabilities and responsibilities of consumers who use electronicfund transfers and of the financial institutions or other persons whooffer these services. It includes the actions you need to take if youbelieve your Card, Card number, or PIN has been lost or stolen, or ifyou notice an error or unauthorized electronic fund transfer on yourCard Account and the rules regarding your potential liability fortransfers.(b) Using your Card/Cash Access. Each time you use your Card, youauthorize us to reduce the value available in your Card Account bythe amount of the transaction plus applicable fees. You may use yourCard to purchase or lease goods or services wherever DebitMastercard is accepted as long as you do not exceed the dailytransactional limit on your Card. You are responsible for allauthorized transactions initiated by use of your Card. If you permitsomeone else to use your Card or Card number, we will treat this asif you have authorized such use and you will be responsible for anytransactions made by that person. You must notify us at 1-866-3531266 to revoke permission for any person you previously authorizedto use your Card. If you notify us to revoke another person's use ofthe Card, we may revoke your Card and issue a new Card with adifferent number. If you use your Card number without presentingyour Card (such as for a telephone or Internet purchase), the legaleffect will be the same as if you used the Card itself.2

(a) Consumer liability for unauthorized transfers. Tell us AT ONCEif you believe your Card, Card number, or PIN has been lost or stolen,or if you believe that an electronic fund transfer has been made fromyour Card Account without your permission. Telephoning is the bestway of keeping your possible losses down. You could lose all themoney in your Card Account. If you tell us within 2 business daysafter you learn of the loss or theft of your Card, Card number, or PIN,you can lose no more than 50 if someone used your Card withoutyour permission. If you do NOT tell us within 2 business days afteryou learn of the loss or theft of your Card, Card number, or PIN, andwe can prove we could have stopped someone from using your Cardwithout your permission if you had told us, you could lose as muchas 500.3. Limitations on dollar amount of transfers.i. The maximum amount of cash value you may load to yourCard Account each day is 1,000.00.ii. The maximum amount of cash value you may load to yourCard Account each month is 9,500.00.iii. The maximum cumulative amount that may be withdrawnfrom an ATM per day is 3,000.00 per Card, subject toany lower limits imposed by an ATM owner or operator.iv. The maximum cumulative amount that may be withdrawnfrom a participating bank in over-the- counter (OTC)transactions per day is generally the available balance ofyour Card Account; however, for security reasons, eitherwe or a participating bank may limit the amount of anysingle OTC withdrawal or the maximum cumulativeamount of all OTC withdrawals per day.v. The maximum that can be spent per Card per day is 3,500.00 for PIN transactions and 3,500.00 forsignature For security reasons, and at our sole discretion for anyreason and without notice to you, the maximum value ofyour Card Account may be restricted, we may limit thedollar amount of loads to your Card Account, and/or wemay limit the dollar amount of transactions you can makewith your Card.vii. Retail reload providers may have additional loadrestrictions regarding the minimum and maximum cashvalue loads to your Card Account using any of their retailcard-loading locations in a day. We do not have authorityover the retail card-loading entities that would enable usto override or attempt to override their policies andprocedures regarding the loading of your Card Account.Also, if your electronic or written history shows transfers that you didnot make, including those made by card, code or other means, tell usat once. If you do not tell us within 60 days after you electronicallyaccess your Card Account (if the unauthorized transfer could beviewed in your electronic history) or we sent the first written historyreflecting the unauthorized transfer, whichever is earlier, you may notget back any money you lost after the 60 days if we can prove that wecould have stopped someone from taking the money if you had toldus in time. If a good reason (such as a long trip or a hospital stay) keptyou from telling us, we will extend the time periods.(b) Contact in event of unauthorized transfer. If you believe yourCard, Card number, or PIN has been lost or stolen, call 1-866- 3531266 or write us at Cardholder Customer Service, PO Box 10170,Kansas City, MO 64171.You should also call the number or write to the address listed aboveif you believe a transfer has been made from your Card Accountwithout your permission.(c) Business Days. For purposes of these disclosures, our businessdays are Monday through Friday. Holidays are not included.(d) Transfer types and limitations.1. Account access. You may use your Card to:i. Withdraw cash from your Card Account.ii. Pay for purchases at places that have agreed to acceptDebit Mastercard.iii. Load funds to your Card Account.Some of these services may not be available at all terminals.2. Limitations on frequency of transfers.i. The maximum number of times you may load cash to yourCard Account per day is six (6).ii. The maximum number of times you may load cash to yourCard Account per month is ten (10).iii. For security reasons, and at our sole discretion for anyreason and without notice to you, we may limit the numberof loads to your Card Account and/or the number oftransactions you can make with your Card per day for eachtransaction type.iv. Retail reload providers may have additional loadrestrictions regarding the minimum and maximum numberof times you may load your Card Account using any oftheir retail card-loading locations in a day. We do not haveauthority over the retail card-loading entities that wouldenable us to override or attempt to override their policiesand procedures regarding the loading of your CardAccount.3

(e) Card and Card Account Fees.List of all fees for H&R Block Emerald Prepaid Mastercard All feesAdd moneyAmountCash reload 4.95Check to Card – 10 DayFunding (Funds in Days)Check to Card –Expedited Funding(Funds in Minutes)Spend moneyPer purchaseDetailsFees of up to 4.95 may apply when reloading your Card Account at authorized retailreload providers. These fees may vary based on location and are assessed by the reloadprovider and may be subject to change without notice.Locations may be found by logging in at 04%Fees of up to 4% of the check amount, based on accepted check type. This fee is reducedto 2% for pre-printed payroll and government checks with printed signature. Minimumfee of 2. 0Bill payment (electronicor check) 0.95Expedited delivery forbill payment (electronic) 2.00Expedited delivery forbill payment (check) 15.00Bill pay available when you log in at or using theMyBlockSM mobile app. Regular electronic bill pay transactions will be completed withinapproximately 2 business days. If we have to mail a paper check, we will process the billpay transaction within approximately 2 business days, plus additional time for mailing.Expedited electronic bill pay transactions will be completed within approximately 1business day. 2 delivery fee is additional to 0.95 bill payment fee.Expedited bill pay transactions will be completed within approximately 2 business days ifwe have to mail a paper check to pay your bill. 15 delivery fee is additional to 0.95 billpayment fee.Get cashCash back at store 0ATM withdrawal 3.00Over the counterwithdrawalRequest check or onetime ACHInformation 35.00 0Customer service 0ATM balance inquiryOtherATM decline 1.50Inactivity 4.95Replacement Card(regular delivery)Replacement Card(expedited delivery)We do not charge a fee for requests for funds from your Card Account at a merchant.However, you may be charged a fee at the POS by the merchant processing thetransaction.This is our fee. You may also be charged an additional fee by the ATM operator, even ifyou do not complete a transaction.This is our fee for an over the counter withdrawal at a financial institution. 1.50 0No fee for calling a live agent or our automated customer service line. No fee for onlinecustomer service. No fee for mobile customer service, but standard text message fees anddata rates imposed by your service provider may apply.This is our fee. You may also be charged an additional fee by the ATM operator.This is our fee. You may also be charged an additional fee by the ATM operator.You will be charged 4.95 each month after you have not completed a transaction usingyour Card for 60 days. Fees do not count as a transaction.No fee for regular mail delivery or in an H&R Block office. 35.00Your funds are eligible for FDIC insurance. Your funds will be held at MetaBank, an FDIC-insured institution, or placed by MetaBank ascustodian of your funds at one or more FDIC-insured Program Banks. In either event, your funds are insured up to 250,000 by the FDICif the institution holding them fails. See Section 4 for more information. See also for details.No overdraft/credit feature.Contact Customer Service by calling 1-866-353-1266, by mail at Cardholder Customer Service, PO Box 10170, Kansas City, MO, 64171,or visit general information about prepaid accounts, visit you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visitRev. 09/

amount according to our agreement with you, we will be liable foryour losses or damages. However, there are some exceptions. Wewill not be liable, for instance:(1) If, through no fault of ours, you do not have enough moneyin your Card Account to make the transfer.(2) If the automated teller machine where you are making awithdrawal does not have enough cash.(3) If the terminal was not working properly and you knewabout the breakdown when you initiated the transaction.(4) If circumstances beyond our control (such as fire, flood orcomputer or communication failure) prevent the transfer,despite reasonable precautions that we have taken.(5) If the Payee rejects or returns the payment for any reason.(6) If your equipment, software, or any communication link isnot working properly.(7) If you have provided us incorrect information about thePayee you wish to pay.(8) If access to your Card has been blocked after you reportedyour Card lost or stolen.(9) If there is a hold on your funds, or if they are subject to legalprocess or other encumbrance restricting their use.(10) If we have reason to believe the requested transaction isunauthorized.(11) There may be other exceptions stated in our agreementswith you.We will maintain procedures reasonably adapted to avoid errors.However, if we fail to complete a transfer to or from your CardAccount on time or in the correct amount according to our Agreementwith you because of an unintentional, bona fide error, we will beliable only for actual damages proved.(k) In Case of Errors or Questions about your Card Account.Telephone us at 1-866-353-1266 or write us at Cardholder CustomerService, PO Box 10170, Kansas City, MO 64171 as soon as you canif you think an error has occurred in your Card Account. We mustallow you to report an error until 60 days after the earlier of the dateyou electronically access your Card Account if the error could beviewed in your electronic history, or the date we sent the FIRSTwritten history on which the error appeared. You may request awritten history of your transactions at any time by calling us at 1-866353-1266 or writing us at Cardholder Customer Service, PO Box10170, Kansas City, MO 64171. You will need to tell us:(f) ATM fees. When you use an ATM to make a withdrawal, wecharge a 3 fee, as set forth above. You may be charged an additionalfee by the ATM operator (and you may be charged a fee even if youdo not complete a fund transfer). See the table of Card and CardAccount fees in Section 8(e) above for details.(g) Confidentiality. We will disclose information to third partiesabout your Card Account or the transfers you make:(1) where it is necessary for completing transactions;(2) in order to verify the existence and condition of your CardAccount for a third party, such as a credit bureau ormerchant;(3) in order to comply with government agency or court orders;(4) if you give us your written permission;(5) to our service providers, as well as the employees, auditors,affiliates, successors, assigns, attorneys of us or our serviceproviders, or the franchisees of any of them; or(6) otherwise as necessary to fulfill our obligations under thisAgreement or as permitted by applicable law.(h) Documentation.1. Terminal transfers. You can get a receipt at the time you makeany transfer to or from your Card Account that was made atan ATM or point-of-sale terminal, however, please be awarethat certain terminals may not provide receipts for smalltransactions (usually 15 and under).2. Preauthorized credits. If you have arranged to have directdeposits made to your Card Account at least once every 60days from the same person or company, you can call us at 1866-353- 1266 to find out whether or not the transfer has beenmade.3. Information about your Card Account. You may obtaininformation about the amount of money you have remainingin your Card Account by calling 1-866-353-1266. Thisinformation, along with a 12-month history of Card Accounttransactions, is also available by logging in online also have the right to obtain at least 24 months of writtenhistory of Card Account transactions by calling 1-866-353- 1266,or by writing us at Cardholder Customer Service, PO Box 10170,Kansas City, MO 64171. You will not be charged a fee for thisinformation.(i) Preauthorized payments.1. Right to stop payment and procedure for doing so. If you havetold us in advance to make regular payments out of your CardAccount, you can stop any of these payments. Here’s how:Call us at 1-866-353-1266, or write us at CardholderCustomer Service, PO Box 10170, Kansas City, MO 64171,in time for us to receive your request 3 business days or morebefore the payment is scheduled to be made. If you call, wemay also require you to put your request in writing and get itto us within 14 days after you call. Your name and Card Number or Card Account number. Why you believe there is an error, and the dollar amountinvolved. Approximately when the error took place.If you tell us orally, we may require that you send us your complaintor question in writing within 10 business days.We will determine whether an error occurred within 10 business daysafter we hear from you and will correct any error promptly. If weneed more time, however, we may take up to 45 days to investigateyour complaint or question. If we decide to do this, we will credit yourCard Account within 10 business days for the amount you think is inerror, so that you will have the money during the time it takes us tocomplete our investigation. If we ask you to put your complaint orquestion in writing and we do not receive it within 10 business days,we may not credit your Card Account.For errors involving new Card Accounts, point-of-sale, or foreigninitiated transactions, we may take up to 90 days to investigate yourcomplaint or question. For new accounts, we may take up to 20business days to credit your Card Account for the amount you thinkis in error.2. Notice of varying amounts. If these regular payments mayvary in amount, the person or company you are going to payshould tell you, 10 days before each payment, when it will bemade and how much it will be.3. Liability for failure to stop payment of preauthorized transfer.If you order us to stop one of these payments 3 business daysor more before the transfer is

The Card is a prepaid card and is connected to a Card Account. The Card is not a credit card or a gift card. Neither the Card nor the Card Account constitutes a checking or savings account. You will not receive any interest on your funds in the Card Account. You may not resell, gift, or transfer the Card