Effective July 1, 2016 (the “Effective Date”), we are making the following changes to your Savings Account associated with your NetSpend® Visa® Prepaid Card Account:

1. We are changing the minimum Average Daily Balance requirements to receive the interest rates applicable to your Savings Account to the following:

• For an Average Daily Balance of $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.

• For an Average Daily Balance that is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the Savings Account.