Consent to Tax Data Disclosure for Refund Advance and Credit Karma

Location:

Leon Valley, TX

Posted:

January 25, 2026

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Consent to disclose your information for the refund advance loan and for a checking

account with Credit Karma Money™

We’re going to disclose the tax information described from your 2022 tax return to Credit Karma, MVB Bank, Inc. (the issuer of Credit Karma Money), First Century Bank (the lender), BorrowWorks (the lender service provider) and Intuit Financing, Inc. (a loan program funder), to process and fund your Refund Advance loan, administer, and communicate with you regarding the loan program and to issue and manage a checking account with Credit Karma Money™ for you.

Federal law requires this consent form be provided to you. Unless authorized by law, we cannot disclose your tax return information to third parties for purposes other than the preparation and filing of your tax return without your consent. If you consent to the disclosure of your tax return information, Federal law may not protect your tax return information from further use or distribution.

You are not required to complete this form to engage our tax return preparation services. If we obtain your signature on this form by conditioning our tax return preparation services on your consent, your consent will not be valid. If you agree to the disclosure of your tax return information, your consent is valid for the amount of time that you specify. If you do not specify the duration of your consent, your consent is valid for one year from the date of signature. If you believe your tax return information has been disclosed or used improperly in a manner unauthorized by law or without your permission, you may contact the Treasury Inspector General for Tax Administration (TIGTA) by telephone at 1-800-***-****, or by email at **********@*****.*****.***.

Do you agree to let TurboTax disclose your tax return info to the parties listed above? I agree

Taxpayer First Name

Taxpayer Last Name

Today’s Date

Spouse First Name

Spouse Last Name

Today’s Date

Qualifying is not based on your credit score

cemal

knight

02/03/2024

shavonna

mabron-knight

02/03/2024

REV 01/27/24 Intuit.cg.cfp.sp

Does applying for Refund Advance impact my credit? This will not impact your credit score. Also, your credit is not one of the factors that goes into prequalifying for Refund Advance.

What information are you sharing?

We’re sharing the following information with First Century Bank (the lender), BorrowWorks (the lender service provider) and MVB Bank, Inc. (the issuer of the card) via secure, SSL-encrypted transmission:

Personal and contact information for primary filer and, if applicable, spouse: first and last name; Social Security number; date of birth; address (street, city, state, zip, country); email address; phone number; number of dependents; EFIN; military paygrade; driver’s license or state ID number.

Filing and preparation information: federal and state tax return type; tax year; filing status and history; whether you are filing IRS Forms 4136, 1310 or 8888; when you agree to this disclosure consent; when the IRS and state accepted the return; the IRS and state acknowledgement code for the return.

Information about personal and business income, deductions, credits, losses and expenses:

● Income and gain from any source (such as wages, tips, pensions, rental income, and capital gains), and related forms (such as Forms W2 and 1099); adjusted gross income; taxable income

● All deductions, credits and benefits (such as standard deduction, itemized deductions like charitable contributions, education credits, earned income tax credit, and dependent care benefits), and related federal and state forms (such as Schedules A and C, and Form 8862)

● All losses and expenses (such as capital losses, theft losses, and business expenses) and related federal and state forms (such as Schedule E and Form 4684) Refund and tax liability information: current and prior tax year refund, if any, and how you received or are receiving your refund; amount and type of all taxes paid or withheld for the current and prior year, and related federal and state forms (such as Forms 4868 and 1099R) Information regarding use of TurboTax, including methods and devices used to provide information to TurboTax and TurboTax use history:

• Indicators on how you provided information to TurboTax

• Indicators regarding the device used to provide information to TurboTax REV 01/27/24 Intuit.cg.cfp.sp

• Information about your TurboTax use, the amount paid for such product and your filing history and status

REV 01/27/24 Intuit.cg.cfp.sp

Consent to use your information for the refund advance loan and for a checking account with Credit Karma Money™

We're going to disclose the tax information described from your 2021 tax return to Credit Karma, MVB Bank, Inc. (the issuer of Credit Karma Money™), First Century Bank (the lender), and BorrowWorks (the lender service provider) to process your Refund Advance loan, administer, and communicate with you regarding the loan program, and to issue and manage a checking account with Credit Karma Money™ for you.

Do you agree to let TurboTax disclose your tax return info to the parties listed above? I agree

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cemal

knight

02/03/2024

shavonna

mabron-knight

02/03/2024

REV 01/27/24 Intuit.cg.cfp.sp

Qualifying is not based on your credit score

Does applying for Refund Advance impact my credit? This will not impact your credit score. Also, your credit is not one of the factors that goes into prequalifying for Refund Advance.

What information are you sharing?

Information about personal and business income, deductions, credits, losses and expenses:

● Income and gain from any source (such as wages, tips, pensions, rental income, and capital gains), and related forms (such as Forms W2 and 1099); adjusted gross income; taxable income

• Indicators on how you provided information to TurboTax

• Indicators regarding the device used to provide information to TurboTax REV 01/27/24 Intuit.cg.cfp.sp

• Information about your TurboTax use, the amount paid for such product and your filing history and status

REV 01/27/24 Intuit.cg.cfp.sp

IMPORTANT DISCLOSURES

If you are owed federal or state tax refund(s), you have a right to choose how you will receive the refund(s). There are several options available to you. Some options cost money and some options are free. Please read about these options below.

You can file your federal tax return(s) electronically or by paper and obtain your federal tax refund(s) directly from the Internal Revenue Service (“IRS”) for free. Additionally, you can file your state tax return(s) electronically or by paper and obtain your state tax refund(s) directly from the applicable state taxing authority for free. If you file your federal tax return(s) electronically, you can receive refund checks directly from the IRS through the U.S. Postal Service in 21 to 28 days from the time you file your tax return(s) or the IRS can deposit your refund(s) directly into your bank account in less than 21 days from the time you file your tax return(s) unless there are delays by the IRS. If you file a paper federal tax return through the U.S. Postal Service, you can receive refund checks directly from the IRS through the U.S. Postal Service in 6 to 8 weeks from the time the IRS receives your return(s) or the IRS can deposit your refund(s) directly into your bank account in 6 to 8 weeks from the time the IRS receives your return(s). However, if your federal tax return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2024. Please consult your applicable state taxing authority’s website for details on when you can expect to receive your state tax refund(s).

You can file your federal and state tax return(s) electronically, select the Refund Processing Service (“RPS”) for an additional fee of $ (the “Refund Processing Fee”), and have your federal and/or state tax refund(s) processed through a processor using banking services of a financial institution. The RPS allows your refund(s) to be deposited into a bank account at Green Dot Bank (“Bank”) and deducts your TurboTax fees and other amounts that you authorize from your federal and/or state refund(s). The balance of your federal or state refund(s) is then delivered to you via your Credit Karma Money checking account provided by MVB Bank, Inc., Member FDIC (“Spend Account”). If you file your tax return(s) electronically and select the RPS, the IRS or applicable state taxing authority will deposit your refund(s) with Green Dot Bank. Upon Green Dot Bank’s receipt of your refund(s), Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation, a processor, will deduct from your federal and/or state refund(s) the Refund Processing Fee, any fees charged by TurboTax for the preparation and filing of your tax return(s) and any other amounts authorized by you, including the amount of any loan you obtain through First Century Bank, N.A., and disburse the balance of your refund proceeds to your Spend Account. Unless there are unexpected delays, federal refunds are received in less than 21 days from the time you file your tax return(s) electronically. However, if your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2024. Please consult your applicable state taxing authority’s website for details on when you can expect to receive your state tax refund(s).

The RPS is not necessary to obtain your refund(s). If you have an existing bank account and do not desire to deduct TurboTax fees from your tax refund(s), there are other options that do not require a fee. You may consult the IRS website (IRS.gov) or website of the applicable state taxing authority for information about tax refund processing. If you select the RPS, no prior debt you may owe to Bank will be deducted from your refund(s). You can change your income tax withholdings which might result in you receiving additional funds throughout the year rather than waiting to receive these funds potentially in tax refund(s) next year. Please consult your employer or tax advisor for additional details.

This Agreement requires all disputes to be resolved by way of binding arbitration. The terms of the arbitration provision appear in Section 11.

Information regarding low cost deposit accounts may be available at www.mymoney.gov. 40.

REV 01/27/24 Intuit.cg.cfp.sp

The chart below shows the options for filing your federal and state tax returns (e file or paper returns), the RPS product, refund disbursement options, estimated timing for obtaining your federal tax refund proceeds, and costs associated with the various options.

WHAT TYPE OF

FILING METHOD?

WHAT ARE YOUR

DISBURSEMENT OPTIONS?

WHAT IS THE ESTIMATED

TIME TO RECEIVE

REFUND(S)?

WHAT COSTS DO YOU

INCUR IN ADDITION

TO TAX PREPARATION

FEES?

PAPER

RETURN

No Refund

Processing Service

IRS or applicable state taxing

authority issues direct

deposit to your bank account.

Approximately

6 to 8 weeks2

Check website for applicable

state taxing authority No additional cost.

Check mailed by IRS or

applicable state taxing

authority to address on tax

return(s).

Approximately

6 to 8 weeks2

Check website for applicable

state taxing authority

ELECTRONIC

FILING

(E FILE)

No Refund

Processing Service

IRS or applicable state taxing

authority issues direct

deposit to your bank account.

Usually within

21 days2

Check website for applicable

state taxing authority No additional cost.

Check mailed by IRS or

applicable state taxing

authority to address on tax

return(s).

Approximately

21 to 28 days2

Check website for applicable

state taxing authority

ELECTRONIC

FILING

(E FILE)

Refund Processing

Service

Loan proceeds by First

Century Bank1 to your Credit

Karma Money checking

account3

Usually within

1 2 hours on IRS acceptance

$ 4

IRS or applicable state taxing

authority issues direct

deposit to your Green Dot

Bank account then disburse

your balance to your Credit

Karma Money checking

account3

Usually within

21 days2

Check website for applicable

state taxing authority

40.

REV 01/27/24 Intuit.cg.cfp.sp

1Because you have opted for a loan through First Century Bank, N.A., you will receive your loan proceeds in your Credit Karma Money checking account, provided by MVB Bank, Inc., Member FDIC ("Spend Account"). There are no fees or interest charged for the Loan that will be deposited into the Spend Account if you are approved for the Loan. 2You may experience delays with your tax refund(s) if, for example, you enter incorrect bank account or contact information, you enter a bank account in someone else’s name, or if possible suspicious activity is detected. If your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2024.

3Credit Karma Money checking account, provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. You may access your funds online through a virtual card and your physical Credit Karma Visa Debit Card should arrive in 7 14 days. Debit card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply.

4The charges here consist of a Refund Processing Fee, the cost of the Tax Product, and any fees for additional products and services purchased. Note that the cost of the Tax Product may vary depending on the edition of TurboTax purchased. See Section 4 of the Refund Processing Service Agreement for more details. Questions? Call 877-***-****

REV 01/27/24 Intuit.cg.cfp.sp

Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation, and Green Dot Bank Refund Processing Service Agreement (“Agreement”) Name:

Social Security No.:

This Agreement contains important terms, conditions and disclosures about the processing of your refund(s) (the “Refund Processing Service” or

“RPS”) by Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation (“Processor”), a third party processor using banking services of Green Dot Bank. Read this Agreement carefully before accepting its terms and conditions, and print a copy and/or retain this information electronically for future reference. As used in this Agreement, the words “you” and “your” refer to the applicant or both the applicant and joint applicant if the 2023 federal and/or state income tax return(s) is a joint return (individually and collectively, “Applicant”). The words “we,”

“us” and “our” refer to Green Dot Bank and Processor. 1. NOTICE: No Requirement To Use the Refund Processing Service In Order To File Electronically. YOU UNDERSTAND THAT A REFUND PROCESSING FEE OF $ (“REFUND PROCESSING FEE”) IS CHARGED BY PROCESSOR TO ESTABLISH AN ACCOUNT TO RECEIVE YOUR FEDERAL AND/OR STATE TAX REFUND(S), TO PROCESS IT, TO DEDUCT YOUR TURBOTAX FEES AND OTHER AUTHORIZED AMOUNTS FROM THAT ACCOUNT, AND TO FORWARD FUNDS TO YOU. YOU WILL RECEIVE YOUR FUNDS ON A CREDIT KARMA MONEY CHECKING ACCOUNT, ISSUED BY MVB BANK, INC., MEMBER FDIC (“ACCOUNT”). THE REFUND PROCESSING FEE IS NOT A LOAN; IT IS DUE TO PROCESSOR WHETHER OR NOT THE FEDERAL OR STATE TAX REFUND(S) OCCURS BUT PROCESSOR WILL NOT PURSUE COLLECTION OF THE REFUND PROCESSING FEE IF YOUR FEDERAL OR STATE TAX REFUND(S) DOES NOT OCCUR. THIS FEE IS COLLECTED ONLY AT THE TIME THE REFUND(S) OCCURS. YOU CAN AVOID THIS FEE AND NOT USE THE REFUND PROCESSING SERVICE BY INSTEAD PAYING THE APPLICABLE TURBOTAX FEES TO INTUIT INC. BY CREDIT OR DEBIT CARD AT THE TIME YOU FILE YOUR 2023 FEDERAL AND/OR STATE INCOME TAX RETURN(S). YOU ARE NOT REQUIRED TO USE THE RPS. IF YOU CHOOSE TO USE THE RPS, YOU CAN EXPECT TO RECEIVE THE PROCEEDS FROM YOUR FEDERAL AND/OR STATE TAX REFUND(S) WITHIN 21 DAYS FROM WHEN THE INTERNAL REVENUE SERVICE (“IRS”) ACCEPTS YOUR RETURN(S) UNLESS THERE ARE PROCESSING DELAYS OR UNLESS YOUR RETURN(S) CONTAINS EARNED INCOME TAX CREDIT OR ADDITIONAL CHILD TAX CREDIT, IN WHICH CASE THE IRS WILL ISSUE YOUR REFUND(S) NO EARLIER THAN FEBRUARY 15, 2024. PLEASE CONSULT YOUR APPLICABLE STATE TAXING AUTHORITY’S WEBSITE FOR DETAILS ON WHEN YOU CAN EXPECT TO RECEIVE YOUR STATE TAX REFUND(S). THE RPS WILL NEITHER SPEED UP NOR DELAY YOUR FEDERAL TAX REFUND(S). THE COST OF PREPARING YOUR TAX RETURN(S) IS NOT ANY MORE OR LESS IF YOU RECEIVE THE REFUND PROCESSING SERVICE. THE AMOUNT OF THE LOAN (THE

“LOAN”) FROM FIRST CENTURY BANK, N.A. (“LENDER”) WILL BE DEDUCTED FROM YOUR FEDERAL TAX REFUND(S). PLEASE NOTE THAT IT IS NOT NECESSARY TO PURCHASE THE REFUND PROCESSING SERVICE TO OBTAIN A LOAN; THAT SERVICE IS OFFERED WHETHER YOU PAY FOR YOUR TAX PREPARATION SERVICES BY CREDIT CARD OR THROUGH THE REFUND PROCESSING SERVICE. THE LOAN IS NOT A QUICKER WAY OF RECEIVING YOUR TAX REFUND(S), IT IS A LOAN SECURED BY YOUR TAX REFUND(S). YOU WILL RECEIVE YOUR FUNDS INTO A CREDIT KARMA MONEY CHECKING ACCOUNT, PROVIDED BY MVB BANK, INC., MEMBER FDIC (“SPEND ACCOUNT”). THERE ARE NO FEES CHARGED FOR DISBURSING LOAN PROCEEDS INTO THE SPEND ACCOUNT. PLEASE REVIEW THE SPEND ACCOUNT TERMS & DISCLOSURES ASSOCIATED WITH THE USE OF YOUR SPEND ACCOUNT TO LEARN OF TERMS AND CONDITIONS THAT WILL APPLY TO THE SPEND ACCOUNT BY ACCESSING THE CREDIT KARMA SPEND ACCOUNT TERMS

& DISCLOSURES UNDER AGREEMENTS ON YOUR CREDIT KARMA MOBILE APP OR AT CREDITKARMA.COM. 2. Authorization to Release Personal Information. You authorize the IRS and/or applicable state taxing authority to disclose any information to Green Dot Bank and Processor related to the funding of your 2023 federal and state tax refund(s). You also authorize Intuit TT Offerings Inc. and Intuit Inc., as the transmitter of your electronically filed tax return(s), Green Dot Bank and Processor to disclose to each other certain information about you and your tax return(s) for the purpose of providing the services contemplated under this Agreement. You also represent that any authorizations you have made in this Section 2 have also been obtained from and are made with respect to your spouse, if this is a jointly filed return. Please see the Privacy Policy at the end of this Agreement describing how Green Dot Bank may use or share your personal information. 3. Summary of Terms

Expected Refund(s) $

Less Processor Refund Processing Fee $

Less TurboTax Fees $

Less Fees for Additional Products and Services Purchased $ Expected Proceeds* $

* These amounts are itemized. This is only an estimate. The amount will be reduced by any applicable sales taxes, and if applicable, a Return Item Fee and an Account Research and Processing Fee paid to Processor as set forth in Sections 4, 6 and 7 below. Additionally, if you are approved for a Loan it will be in one of these amounts:

$250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500 or $4,000 and will be deducted from your federal refund(s), see example in Section 4 below. You will receive an email from Lender letting you know if you are approved for a Loan and the amount of your Loan if approved. The above deductions will be subtracted from your federal or state refund(s), where applicable, whichever is received first. Additionally, in the event one refund is insufficient to fully pay all such amounts due, deductions for the remaining amount due will be wholly or partially supplemented by, and subtracted from, the other refund (if you receive both state and federal refunds).

6,604.

40.

89.

49.

6,426.

40.00

cemal t knight & Shavonna Mabron Knight

***-**-****

REV 01/27/24 Intuit.cg.cfp.sp

4. Temporary Green Dot Deposit Account Authorization. You hereby authorize Green Dot Bank to establish a temporary deposit account (“Green Dot Deposit Account”) for the purpose of receiving your tax year 2023 federal and/or state tax refund(s) from the IRS or applicable state taxing authority. Green Dot Bank or Processor must receive an acknowledgement from the IRS or applicable state taxing authority that your return(s) has been electronically filed and accepted for processing before the Green Dot Deposit Account can be opened. You authorize Processor or Bank to deduct from your Green Dot Deposit Account the following amounts: (i) the Refund Processing Fee; (ii) the fees and charges related to the preparation, processing and transmission of your tax return(s) (“TurboTax Fees”); (iii) the amount of any Loan obtained from Lender; and (iv) fees for Additional Products and Services Purchased, plus applicable taxes. For example, if your federal income tax refund is $4,200 and you have $59.99 in TurboTax Fees and receive a Loan of $1,000, you would receive $3,100.02 of your federal refund after it is paid, which represents your $4,200 tax refund less the $39.99 Refund Processing Fee less the $59.99 TurboTax Fees and less the $1,000 Loan. You also authorize Processor to deduct thirty dollars ($30.00) as a returned item processing fee (the “Return Item Fee”) from your Green Dot Deposit Account for the additional processing required in the event that your deposit is returned or cannot be delivered as directed in Section 7 below. A fee of $30.00 (the “Account Research and Processing Fee”) may be charged if we are required to provide additional processing to return the funds to the IRS or applicable state taxing authority due to (a) your bank not accepting your direct deposit of your refund or (b) your tax return being in dispute or being deemed by Processor, in its reasonable determination, to be fraudulent or suspicious. These fees will be deducted from the Green Dot Deposit Account and will be retained by Processor. You authorize Processor to disburse the balance of the Green Dot Deposit Account to you after making all authorized deductions or payments. If the Green Dot Deposit Account does not have sufficient funds at the time your tax refund is processed to pay the TurboTax Fees and the fees for Additional Products and Services Purchased as set forth in Section 3, and any sales tax (collectively, “Fees”), or if your refund proceeds are delayed

(a) you authorize Processor to automatically deduct such Fees (or any portion thereof) via ACH, electronic check, or wire transfer directly from the account into which you authorized Processor to deposit your expected tax refund proceeds (“Authorized Destination Account”) as set forth in Section 7, and (b) if you made alternative arrangements with TurboTax for payment of such Fees, those arrangements will be attempted prior to any automatic deduction. You also authorize any amounts outstanding pursuant to this paragraph to be deducted from refunds you may receive up to 30 months after the date of this Agreement and processed through Processor. Additionally, if the Fees are not fully repaid from the Deposit account for any other reason not specified above, (a) you authorize Processor to automatically deduct such Fees (or any portion thereof) or attempt to deduct such Fees for up to 4 months after your tax return was accepted via ACH, electronic check, or wire transfer directly from the account into which you authorized Processor to deposit your expected tax refund proceeds as set forth in Section 7, and (b) if you made alternative arrangements with TurboTax for payment of such Fees, those arrangements will be attempted prior to any automatic deduction. To make alternative payment arrangements or revoke your consent to automatic deduction, you must contact Intuit Inc. according to the instructions on the notices e mailed to you by Intuit Inc. regarding outstanding amounts owed under this Agreement. 5. Acknowledgements. (a) You understand that: (i) neither Green Dot Bank nor Processor can guarantee the amount of your tax year 2023 federal and/or state tax refund(s) or the date it will be issued, and (ii) neither Green Dot Bank nor Processor is affiliated with the transmitter of the tax return(s) (Intuit TT Offerings Inc. and Intuit Inc.) and neither warrants the accuracy of the software used to prepare the tax return(s). (b) You agree that Intuit TT Offerings Inc. and Intuit Inc. is not acting as your agent and is not under any fiduciary duty with respect to the processing of your refund(s) by Green Dot Bank and Processor. (c) Your refund(s) may be held or returned to the IRS or applicable state taxing authority if it is suspected of fraud or identity theft.

6. Truth in Savings Disclosure. The Green Dot Deposit Account is being opened for the purpose of receiving your (or both spouses if this is a jointly filed return) tax year 2023 federal and/or state tax refund(s). Processor will deduct from the Green Dot Deposit Account the amounts set forth in Section 3 and the amount of your Loan, if approved, including the $ Refund Processing Fee for opening and maintaining the Green Dot Deposit Account and processing your tax refund(s). No withdrawals will be allowed from the Green Dot Deposit Account except to collect the amounts stated in this Section, Section 3, Section 7, and Section 4. No interest is payable on the deposit; thus, the annual percentage yield and interest rate are 0%. The Green Dot Deposit Account will be closed after all authorized deductions have been made and any remaining balance has been disbursed to you. We will also charge a Return Item Fee of $30.00 if the refund(s) cannot be delivered as directed in Section 7 of this Agreement. A $30.00 Account Research and Processing Fee may be charged if we are required to provide additional processing to return the funds to the IRS or applicable state taxing authority due to (a) your bank not accepting your direct deposit of your refund or (b) your tax return being in dispute or being deemed by Processor, in its reasonable determination, to be fraudulent or suspicious. These fees will be deducted from the Green Dot Deposit Account and will be retained by Processor. Questions or concerns about the Green Dot Deposit Account should be directed to Santa Barbara Tax Products Group, LLC, PO Box 817, West Chester, OH 45071 or via the Internet at http://sbtpg.com. 7. Disbursement Method: You agree that your refund(s), less agreed upon fees, will be disbursed to the Green Dot Deposit Account. You authorize Processor to transfer the amount due on your Loan to the Lender and the balance of your Green Dot Deposit Account to the Spend Account. Please review the Spend Account Terms & Disclosures associated with the use of your Spend Account to learn of terms and conditions that will apply to the Spend Account by accessing the Credit Karma Spend Account Terms & Disclosures under Agreements on your Credit Karma mobile app or at creditkarma.com. Processor will not be responsible for your funds once they have been deposited on the Spend Account. If your deposit is returned to Green Dot Bank, the Green Dot Deposit Account balance minus a $30.00

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