YOUR GUIDE TO YOUR ALL-ACCESS®

ACCOUNT BENEFIT CENTER

Throughout this Guide, “you,” “your,” and “cardholder” refer to the holder of a covered card associated with an All-Access Account established by MetaBank, National Association, Member FDIC. The covered card may be either a

Mastercard® Debit card or a Visa® debit card used to access your All-Access Account.

IMPORTANT: For more information about the benefits described in this Guide, call 1-866-***-**** or visit benefitscenter.idprotectiononline.com for Identity Theft Protection Services, call 1-844-***-**** for Purchase Assurance and Cell Phone Protection

Coverage, or visit your Online Account Center

associated with your covered card at the website

provided in your deposit account agreement.

IMPORTANT: For questions about your Account,

Account balance, disputes, information about services not described in this Guide or your covered card, please visit the website or call the customer service number provided in your Deposit Account Agreement or on the back of your card.

The benefits described in this Guide do not apply to prepaid products. In addition, throughout this Guide, “Policyholder” refers to the Mastercard Insurance Master Trust, “Eligible Account” refers to the covered card, and “Participating Organization” refers to the issuer of a covered card. This Guide is intended as a summary of services, benefits, and coverages, and, in case of a conflict between the Guide and the master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.

ID THEFT PROTECTION SERVICES

ID Theft Protection provides you with access to a number of identity theft resolution services, should you believe you are a victim of identity theft.

ELIGIBILITY

To be eligible for this coverage, you must have a covered card. ACCESS

Simply contact 1-866-***-**** or visit

benefitscenter.idprotectiononline.com, if you believe you have been a victim of identity theft.

SERVICES PROVIDED

Services provided are on a 24-hour basis, 365 days a year. They include:

• Providing the cardholder with a uniform Identity Theft Affidavit and providing assistance with completion of the Affidavit. It is the responsibility of the cardholder to submit the Affidavit to the proper authorities, credit bureaus, and creditors.

• Assistance in notifying all three major credit reporting agencies to obtain a free credit report for the cardholder and placing an alert on the cardholder’s record

with the agencies.

• Educating the cardholder on how identity theft

can occur and of protective measures to avoid

further occurrences.

• Providing the cardholder with the Identity

Theft Resource Kit.

• Providing the cardholder with sample letters for use in canceling checks, ATM cards, and other accounts.

ID THEFT ALERTS

Mastercard is offering cardholders cybersecurity through Iris On watch, Generali Global Assistance’s proprietary internet surveillance technology that proactively detects the illegal trading and selling of personally identifiable information (PII) online. At any point in time, Iris On watch is tracking thousands of websites and millions of data points, and alerting cardholders whose personal information they find has been compromised online. This information is being gathered in real-time so that cardholders have the opportunity to react quickly and take the necessary steps to protect themselves. Get started at no cost to you by enrolling at benefitscenter.idprotectiononline.com. CHARGES

There is no charge for these services.

SERVICES NOT PROVIDED

• When it is determined you have committed any

dishonest, criminal, malicious or fraudulent act.

• When your financial institution or card issuer which provides this Service has investigated the event and deemed you are responsible the charge or event.

• When any theft or unauthorized use of an account by a person to whom the account has been entrusted has been committed.

PROGRAM PROVISIONS FOR ID THEFT PROTECTION

This service applies only to you, the named cardholder. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property protected by the program. The Provider, Generali Global Assistance, relies on the truth of statements made in the Affidavit or declaration from each cardholder. This service is provided to eligible cardholders at no additional cost and is in effect for acts occurring while the program is in effect. The terms and conditions contained in this program guide may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide mailings, statement inserts, or statement messages. Mastercard or your financial institution can cancel or non- renew these services, and if we do, we will notify you at least thirty (30) days in advance. If the Provider non-renews or cancels any services provided to eligible cardholders, you will be notified within 30–120 days before the expiration of the service agreement. In the event substantially similar coverage takes effect without interruption, no such notice is necessary. For general questions regarding these services, please contact 1-866-***-****.

PURCHASE ASSURANCE

KEY TERMS

Throughout this document, “you” and “your” refer to the cardholder or authorized user of the covered card.

“We”, “us”, and “our” refer to New Hampshire Insurance Company, an AIG company.

Administrator means Sedgwick Claims Management

Services, Inc.; you may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-844-***-****.

Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.

Cardholder means the person who has been issued

an account by the Participating Organization for

the covered card.

Covered card means the Mastercard card or Visa card. Damaged means items that can no longer perform the function they were intended to do in normal service due to broken parts, material, or structural failures. Evidence of Coverage (EOC) means the document

describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between you and us.

Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.

Stolen means items that are taken by force and/or under duress or the disappearance of the item from a known place under circumstances that would indicate the

probability of theft.

United States Dollars (USD) means the currency of the United States of America.

PURCHASE ASSURANCE EVIDENCE OF COVERAGE

Pursuant to the below terms and conditions, when an item you bought with your covered card is damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits under this coverage.

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures. A. TO GET COVERAGE:

• You must purchase the new item entirely with your covered card and/or accumulated points from your

covered card for yourself or to give as a gift.

B. THE KIND OF COVERAGE YOU RECEIVE:

• Most items you purchase entirely with your covered card are covered if damaged or stolen for ninety

(90) days from the date of purchase as indicated on your covered card’s receipt.

• Items you purchase with your covered card and give as gifts also are covered.

• This coverage is secondary to any other applicable insurance or coverage available to you or the

gift recipient. Coverage is limited to only those

amounts not covered by any other insurance or

coverage benefit.

C. COVERAGE LIMITATIONS:

• Coverage is limited to the lesser of the following:

• The actual cost of the item (excluding delivery and transportation costs).

• A maximum of $1,000 per loss and a total of

$25,000 per cardholder account per twelve

(12) month period.

• Purchases that are made up of a pair or set will be limited to the cost of repair or replacement of the specific item stolen or damaged. If the specific

item cannot be replaced individually or repaired, the value of the pair or set will be covered not to exceed the limits above.

• Coverage for stolen or damaged jewelry or fine

art will be limited to the actual purchase price as listed on your debit card statement, regardless of sentimental or appreciated market value.

D. WHAT IS NOT COVERED:

• Items left in public sight, out of arm’s reach, lacking care, custody, or control by the cardholder.

• Lost items, and items that mysteriously disappear

(the only proof of loss is unexplained or there is no physical evidence to show what happened to the

item) without any evidence of a wrongful act.

• Items that are stolen from any location or place

(including, but not limited to, exercise facilities, places of employment, schools, or places of

worship) due to the lack of due diligence by you

or another party.

• Items lost, stolen, damaged, or mis-delivered while under the care, custody, and control of another

party or common carrier (including, but not limited to, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).

• Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.

• Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.

• Losses that cannot be verified or substantiated.

• Items covered by a manufacturer’s recall or

class action suit.

• Items that you damage through alteration (including, but not limited to, cutting, sawing, shaping).

• Used or antique items; collectibles of any kind

(such as items designed for people to collect

or items that over time become collectibles);

recycled, previously owned, refurbished, rebuilt, or remanufactured items.

• Stolen items without a documented report

from the police.

• Items that are damaged during transport via any mode.

• Items stolen from the interior or exterior of a

watercraft/boat, aircraft, motorcycle, automobile, or any other motor vehicles.

• Motorized vehicles, including, but not limited

to, automobiles, watercraft/boats, aircraft, and

motorcycles, or their motors, equipment, or

accessories. Motorized equipment not designed for

transportation and used solely for the upkeep and

maintenance of a residence is eligible for coverage

(including, but not limited to, snow thrower, lawn mowers, and hedge trimmers).

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items, fixtures, or structures.

• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins, currency, or its equivalent.

• Losses caused by insects, animals, or pets.

• Plants, shrubs, animals, pets, consumables,

and perishables.

• Items purchased for resale, rental, professional, or commercial use.

• Professional services (including, but not limited to, the performance or rendering of labor or maintenance;

repair or installation of products, goods, or property; professional advice of any kind, including, but not limited to, information/services or advice secured from any help or support line; or technical support for software, hardware, or any other peripherals).

• Application programs, computer programs, operating software, and other software.

• Losses resulting from war or hostilities of any kind

(including, but not limited to, invasion, terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public

authority, or customs official; risks of contraband; illegal activity or acts.

• Losses caused by power surge, contamination by

radioactive or hazardous substances, including mold.

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, and earthquake).

• Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.

• Game animals, pets, or specimens preserved for

display (e.g., fish, birds, reptiles, or mammals).

• Items stolen or damaged at a new home

construction site.

• Rented, leased, or borrowed items for which you will be held responsible.

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.

• Any shipping charges, transportation and

delivery charges, or promised time frames for

delivery, whether or not stated or covered by the

manufacturer’s warranty.

E. HOW TO FILE A CLAIM:

• Call 1-844-***-**** to request a claim form. You must report the claim within sixty (60) days of the loss or the claim may not be honored.

• Submit the following documentation within one

hundred and eighty (180) days of the date you

report the claim:

– Completed and signed claim form.

– Repair estimate for damaged item(s).

– Photograph clearly showing damage, if applicable.

– Receipt showing purchase of covered item(s).

– Statement showing purchase of covered item(s).

– Report from police listing any items stolen.

– Copy of the declarations page of any applicable

insurance or protection (including, but not limited to, homeowner’s, renter’s, or auto insurance policy).

– Any other documentation that may be reasonably

requested by us or our administrator to

validate a claim.

PURCHASE ASSURANCE LEGAL DISCLOSURES

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.

Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility). The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG

company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC is governed by the Group Policy.

Effective date of benefits: Effective January 1, 2020, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.

Cancellation: The Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all cardholders. If the Policyholder does cancel these benefits, you will be notified in advance. If the insurance company terminates, cancels, or chooses not to renew the coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to the

cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty

(50) United States, the District of Columbia, American Samoa, Puerto Rico, Guam, and the U.S. Virgin Islands. No person or entity other than the cardholder shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds, and damages under or arising out of these programs. These benefits do not apply if your card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your account is suspended or cancelled, subject to the terms and conditions of coverage. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be

assigned without the prior written consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if the cardholder has concealed or misrepresented any material facts concerning this coverage.

Dispute Resolution – Arbitration: This EOC requires binding arbitration if there is an unresolved dispute concerning this EOC (including the cost of, lack of, or actual repair or replacement arising from a loss or breakdown). Under this Arbitration provision, you give up your right to resolve any dispute arising from this EOC by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration, or any consolidation of individual arbitrations. In arbitration, a group of three

(3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing the parties’ positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration, and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law. To start arbitration, the disputing party must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date the loss occurred or the dispute arose. The parties will each separately select an arbitrator. The two (2) arbitrators will select a third arbitrator called an “umpire.” Each party will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by the parties. Unless otherwise agreed to by the parties, the 1 TSYS INV # 2 3 4 5 6 7 8

12 13

arbitration will take place in the county and state in which you live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (www.adr.org) will apply to any arbitration under this EOC. The laws of the state of New York (without giving effect to its conflict of law principles) govern all matters arising out of or relating to this EOC and all transactions contemplated by this EOC, including, without limitation, the validity, interpretation, construction, performance, and enforcement of this EOC.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft, loss, or damage to the property insured under these programs.

“Due diligence” means the performance of all vigilant activity, attentiveness, and care that would be taken by a reasonable and prudent person in the same or similar circumstances in order to guard and protect the item. Subrogation: If payment is made under these benefits, the insurance company is entitled to recover such

amounts from other parties or persons. Any party or cardholder who receives payment under these benefits must transfer to the insurance company his or her rights to recovery against any other party or person and must do everything necessary to secure these rights and must do nothing that would jeopardize them, or these rights will be recovered from the cardholder.

Salvage: If an item is not repairable, the claim

administrator may request that the cardholder or gift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’s expense. Failure to remit the requested item for salvage to the claim administrator may result in denial of the claim.

Other Insurance: Coverage is secondary to and in excess of any other applicable insurance or indemnity available to you. Coverage is limited to only those amounts not covered by any other insurance or indemnity. It is subject to the conditions, limitations, and exclusions described in this document. In no event will this coverage apply as contributing insurance. This Other Insurance clause will take precedence over a similar clause found in other insurance or indemnity language.

In no event will these insurance benefits apply as contributing insurance. The non-contribution insurance clause will take precedence over the non-contribution clause found in any other insurance policies.

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is, to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be deemed

“severable” from the remaining provisions of the Guide. In that event, all other provisions of this Guide shall remain valid and enforceable.

Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions described in each benefit section. Receipt and/or possession of this Guide to Benefits does not guarantee coverage or

coverage availability.

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict between the Guide and the master insurance policies, or an issuer’s, or the Mastercard actual offerings, such master policies or actual offering shall control. Provision of services is subject to availability and applicable legal restrictions.

CELLULAR WIRELESS TELEPHONE PROTECTION

COVERAGE $100/$300/$50

KEY TERMS

Throughout this document, “you” and “your” refer to the cardholder or authorized user of the covered card. “We”,

“us”, and “our” refer to New Hampshire Insurance Company, an AIG company.

Administrator means Sedgwick Claims Management

Services, Inc.; you may contact the administrator if you have questions regarding this coverage or would like to make a claim. The administrator can be reached by phone at 1-844-***-****.

Authorized User means an individual who is authorized to make purchases on the covered card by the cardholder and is recorded by the Participating Organization on its records as being an authorized user.

Cardholder means the person who has been issued

an account by the Participating Organization for

the covered card.

Covered card means the Mastercard card or Visa card. Damaged means items that can no longer perform the function they were intended to do in normal service due to broken parts, material, or structural failures. Eligible Cellular Wireless Telephones are the cellular telephones associated with the primary line and up to the first two secondary, additional, or supplemental lines on the Eligible Person’s cellular provider’s monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred.

Eligible Person means a person to whom an Eligible Account is issued from a Participating Organization who charges the monthly bill for an Eligible Cellular Wireless Telephone to an Eligible Account. No person or entity other than the Eligible Person(s) described shall have any legal or equitable right, remedy, or claim for the insurance proceeds arising out of this coverage.

Evidence of Coverage (EOC) means the document

describing the terms, conditions, and exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between you and us.

Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal Disclosures are not a part of your coverage.

Mysteriously Disappear means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons. Stolen means items that are taken by force and/or under duress or a loss which involves the disappearance of Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate the probability of theft and for which a police report was filed within forty-eight

(48) hours of the theft.

United States Dollars (USD) means the currency of the United States of America.

CELLULAR WIRELESS TELEPHONE PROTECTION

COVERAGE EVIDENCE OF COVERAGE

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold and Legal Disclosures. A. TO GET COVERAGE:

• You must charge your monthly cellular telephone

bill with your covered card. You are eligible for

coverage the first day of the calendar month following the payment of your cellular telephone bill with

your covered card.

B. THE KIND OF COVERAGE YOU RECEIVE:

• Reimbursement for damage or theft of Eligible

Cellular Wireless Telephone.

• Coverage begins the first day of the calendar month following the payment of your monthly cellular

telephone bill.

• Coverage ends the first day of the calendar month following nonpayment of your monthly cellular

telephone bill.

• Coverage is excess of any other applicable insurance or indemnity the Eligible Person may have.

C. COVERAGE LIMITATIONS:

Coverage is limited to damage or theft up to $100 per claim subject to the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty dollar

($50) deductible. The maximum liability is $100 per claim occurrence and $300 per twelve (12) month period.

D. WHAT IS NOT COVERED:

The following items are excluded from coverage

under this Policy:

• Cellular Wireless Telephone accessories other

than the standard battery and/or standard antenna

provided by the manufacturer.

• Cellular Wireless Telephones purchased for resale or for professional or commercial use.

• Eligible Cellular Wireless Telephones that are lost or “Mysteriously Disappear”.

• Cellular Wireless Telephones under the care

and control of a common carrier, including, but

not limited to, the U.S. Postal Service, airplanes, or delivery service.

• Cellular Wireless Telephones stolen from

baggage unless hand-carried and under the

Eligible Person’s supervision or under the

supervision of the Eligible Person’s traveling

companion who is previously known to the

Eligible Person.

• Cellular Wireless Telephones stolen from a

construction site.

• Cellular Wireless Telephones that are not

received as a part of a recurring monthly plan

from a cellular provider.

• Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the

Eligible Cellular Wireless Telephone’s ability to

make or receive phone calls.

• Damage or theft resulting from abuse,

intentional acts, fraud, hostilities of any kind

(including, but not limited to, war, invasion,

rebellion or insurrection), confiscation by the

authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake,

radioactive contamination, or damage from

inherent product defects or vermin.

• Damage or theft resulting from mis-delivery

or voluntary parting from the Eligible Cellular

Wireless Telephone.

• Replacement Cellular Wireless Telephone(s)

purchased from other than a cellular service

provider’s retail or internet store; or taxes,

delivery, or transportation charges or any fees

associated with the service provided.

E. HOW TO FILE A CLAIM

• Call 1-844-***-**** to request a claim form. You must report the claim within ninety (90) days of the loss or the claim may not be honored.

• Submit the following documentation within one

hundred and twenty (120) days of the date you

report the claim or the claims may not be honored:

• Completed and signed claim form.

• Eligible Person’s card statement reflecting the

monthly Eligible Cellular Wireless Telephone

payments for the month preceding the date the

Eligible Cellular Wireless Telephone was stolen

or suffered damage.

• A copy of the Eligible Person’s current wireless service provider’s billing statement.

• A copy of the original Eligible Cellular Wireless Telephone purchase receipt or other sufficient

proof of the Eligible Cellular Wireless Telephone

model currently linked to the Eligible Person’s

Eligible Cellular Wireless Telephone account.

• A copy of the insurance claim to the Eligible

Person’s cellular telephone insurance or, in the

event that the claim amount is less than the

Eligible Person’s deductible, a copy of the policy’s declarations page.

• If a claim is due to damage, a copy of the repair estimate and photos of the damage.

• If the claim is due to theft, a copy of the police report filed within forty-eight (48) hours of the theft.

CELLULAR WIRELESS TELEPHONE PROTECTION

COVERAGE LEGAL DISCLOSURES

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract.

Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility).

The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG

company. This Guide to Benefits is a summary of benefits provided to you. The attached Key Terms and EOC is governed by the Group Policy.

Effective date of benefits: Effective January 1, 2020, this Guide to Benefits replaces all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change the benefits and features of these programs at any time. Notice will be provided for any changes.

Cancellation: The Policyholder can cancel these

benefits at any time or choose not to renew the

insurance coverage for all cardholders. If the

Policyholder does cancel these benefits, you will

be notified in advance. If the insurance company

terminates, cancels, or chooses not to renew the

coverage to the Policyholder, you will be notified as soon as is practicable. Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to the

cardholder whose cards are issued by U.S. financial institutions. The United States is defined as the fifty (50) United States, the District of

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