Electronic Communications Disclosure

We suggest you read this document and print a copy for your reference.

Note: This Electronic Communication Disclosure (“Disclosure”) applies to any and all
communications or disclosures that we are legally required to provide to you in writing
in connection with your Card Account and any related products and services
(“Communications”).

This Disclosure supplements and is to be construed in accordance with the terms contained
in the Cardholder Agreement (“Agreement”) you received from MetaBank. The words "we," "us," and
"our" refer to MetaBank®, the issuer of your Card Account. The words "you" and "your" mean you, the
individual(s) identified on the Account. As used in this Disclosure, "Card Account" means the PayQuicker
Card Account you have with us.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or

service to which this Disclosure applies, you agree that we may provide you with any
Communications in electronic format, and that we may discontinue sending paper
Communications to you, unless and until you withdraw your consent as described below. Your
consent to receive electronic communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and communications associated with your card account and
any related products and services;
• Your Cardholder Agreement;
• Notices about a change in the terms of your Cardholder Agreement;
• Privacy policies and notices;
• Error Resolution policies and notices;
• Responses to claims filed in connection with your Card Account; and
• Notices regarding insufficient funds or negative balances

2. Method of Providing Communications to You in Electronic Form. All Communications that we

provide to you in electronic form will be provided by email or will be posted to your account and
can be viewed by logging in to your account online. If Communications are provided to you in
electronic form by being posted to your account, they will be available for viewing for at least 90
days.

3. How to Withdraw Consent. You may withdraw your consent to receive Communications
in electronic form at any time by providing notification of your withdrawal in writing by
email to support@payquicker.com. If you do, we will send final subsequent
Communications to you in writing to the most current email address we have for you in
our records. We will not impose any fee to process the withdrawal of your consent to
receive electronic Communications. However, withdrawal of consent will result in your
Card Account being closed and any funds remaining in the Card Account will be sent to
you by paper check to the most current address we have for you in our records. You will
be required to pay for the Account Closure fee when we close your account. Any
withdrawal of your consent to receive electronic Communications will be effective only
after we have a reasonable period of time to process your withdrawal. In the meantime,
 you will continue to receive Communications in electronic form. If you withdraw your
consent, the legal validity and enforceability of prior Communications delivered in
electronic form will not be affected.

4. How to Update Your Records. It is your responsibility to provide us with a true, accurate
and complete e-mail address, your contact information, and other information related to
this Disclosure and your Card Account, and to maintain and update promptly any changes
in this information. You can update information (such as your e-mail address) by logging
into your Card Account online and updating your information.

5. Hardware and Software Requirements. In order to access, view, and retain electronic
Communications that we make available to you, you must have:

• An Internet browser that supports 128-bit encryption

• Microsoft Internet Explorer 4.7 or above, Netscape Navigator 4.7 or above, or the
equivalent software.
• Sufficient electronic storage capacity on your computer's hard drive or another data
storage unit
• An e-mail account with an Internet service provider and e-mail software
• A personal computer (for PCs: Pentium 120 MHz or higher; for Macintosh, Power Mac
9500, Power PC 604 processor: 120-MHz Base or higher), operating system and
telecommunications connections to the Internet capable of receiving, accessing,
displaying, and either printing or storing Communications received from us in
electronic form via a plain text-formatted e-mail or by access to our web site using
one of the browsers specified above
• Adobe Reader version 9.0 or higher

6. Requesting Paper Copies. We will not send you a paper copy of any Communication,
unless you request it or we otherwise deem it appropriate to do so. You can obtain a
paper copy of an electronic Communication by printing it yourself or by requesting that
we mail you a paper copy, provided that such request is made within a reasonable time
after we first provided the electronic Communication to you. To request a paper copy,
contact us by submitting your request in writing by email to support@payquicker.com.
We may charge you a service charge for the delivery of paper copies of certain
Communications provided to you electronically pursuant to this authorization. See the
fee schedule in your Agreement for details about this service charge. We reserve the
right, but assume no obligation, to provide a paper (instead of electronic) copy of any
Communication that you have authorized us to provide electronically.

7. Communications in Writing. All Communications in either electronic or paper format

from us to you will be considered "in writing." You should print or download for your
records a copy of this Disclosure and any other Communication that is important to you.

8. Federal Law. You acknowledge and agree that your consent to electronic
Communications is being provided in connection with a transaction affecting interstate
commerce that is subject to the federal Electronic Signatures in Global and National
Commerce Act, and that you and we both intend that the Act apply to the fullest extent
possible to validate our ability to conduct business with you by electronic means.
 9. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the
provision of your electronic Communications, or to terminate or change the terms and
conditions on which we provide electronic Communications. We will provide you with
notice of any such termination or change as required by law.

Cards are issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. This
card may be used everywhere Visa® debit cards are accepted. Use of this card constitutes
acceptance of the terms and conditions stated in the Cardholder Agreement.