spendwell App 1.13.0

The spendwell™ Reloadable Visa® Debit Card & Bank Account offers a range of features and benefits to maximize the value of your money. With this card, you can conveniently shop online or in-store anywhere that Visa® debit cards are accepted.

The spendwell Mobile App provides easy access to your account on the go. You can quickly check your available balance, view your transaction history, and manage your spendwell account from anywhere.

As a bank account, spendwell works diligently to meet your financial needs:

• Receive your pay up to 2 days early when you set up direct deposit¹
• Add cash for free at Dollar General locations²
• Enjoy free online bill pay
• Conveniently add checks using Mobile Check Capture by Ingo® Money³
• Use free subaccounts to track your family's spending

For more information, please visit myspendwell.com.

¹Faster access compared to standard payday electronic deposit, subject to employer submission of paycheck information before payday. Additional fees, terms, and conditions can be found at myspendwell.com. The full Deposit Account Agreement and Demand Deposit Rewards Terms are available at myspendwell.com.

²Terms and conditions apply. Cash can be added at other locations for a fee of up to $3.95. Please visit myspenwell.com for details. Message and data rates may apply.

³The Mobile Check Capture service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to their respective terms and conditions and privacy policies. Approval of checks is at the discretion of Ingo Money and usually takes 3 to 5 minutes, but can take up to one hour. Fees apply for approved Money in Minutes transactions. Please see myspendwell.com/fees for details. Additional terms, conditions, and limits apply to the use of Mobile Check Capture by Ingo Money through the spendwell Mobile App. See myspendwell.com/legal for details. Data rates may apply.

The spendwell™ Bank Account is a demand deposit account provided by Pathward, National Association (formerly known as MetaBank), and is a member of the FDIC. The card is issued by Pathward under a license from Visa® U.S.A., Inc.

Funds deposited into your spendwell account are FDIC insured, subject to applicable limitations and restrictions. Insurance coverage is effective upon receiving the deposited funds.