Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mrs [redacted] states that she is missing – thousand dollars over the last two months from her accountShe wants a detailed breakdown of the transactions on her accountOn July 6, we spoke with Mrs [redacted] and her husbandWe informed them that the last five months of transaction history have been mailed to their addressWe further explained that the same transaction history is available online at www.netspend.comFrom the website, they can identify each transaction and dispute any charge that is unauthorized by themThey will dispute any unrecognized transactions and contact me if they need assistanceNetSpend regrets the inconvenience that Mrs [redacted] and her husband experienced while trying to review their transactionsWe have provided them our contact information should they have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that has not been received On June 3, 2016, Ms [redacted] ’ account was closed due to risk factors that were identified during our investigation of a dispute claim she filed on May 7, On June 8, a refund check was mailed to Ms***’s address on file She contacted our Customer Service Department on June to inform us the refund check had not arrived We confirmed Ms***’s address and mailed a second refund check to her on July 8, In response to her communication, we reached out to Ms [redacted] on July 13, but unfortunately, we have not had the opportunity to speak with her If the second refund check is also returned, we will assist Ms [redacted] with accessing her funds We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, October 24, To Whom It May Concern: Thank you for forwarding Ms [redacted] ’ complaint [redacted] to usWe are sorry to hear that Ms [redacted] had a bad experience with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents she spoke with to ensure that they receive appropriate coaching on our policies and proceduresAs you requested, we addressed this matter directly with Ms [redacted] on October 24, by way of telephoneWe informed Ms [redacted] by email of our actions to resolve her complaintThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

To Whom It May Concern:We received additional comment for complaint # [redacted] filed with your office by [redacted] ***, concerning her not being able to pay her rent using the ACH debit She’s requesting to be reimbursed for all late fees and to have communication from the corporate office We spoke with Ms [redacted] on November 30, and addressed her concerns NetSpend regrets the inconvenience that Ms [redacted] experienced with the use of her card / account She has been given our contact information should she have any additional question or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her card was blocked while she was on vacationShe wants access to her funds so she can pay billsOur Risk Management Team regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to blocking Ms [redacted] ’s card on September 7, We requested she verify that the attempted transaction was authorizedIt was also required that we mail her a replacement cardMs [redacted] confirmed that the transaction was authorized that same day and a replacement card was orderedMs [redacted] received the replacement card and activated it on September 16thNetSpend regrets the inconvenience that Ms [redacted] experienced as a result of the blocked cardWe hope she appreciates the efforts we made to secure her fundsMs [redacted] has been provided my contact information should she have any further questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Ms [redacted] states that her card was blocked without a reason and she has no access to her direct depositShe wants access to her paycheckOur Risk Management Team regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to blocking Ms [redacted] ’s card on July 3, We requested verification of an attempted charge on her cardShe spoke with the Risk Team on July 6th and confirmed it was not her attempting the transactionWe left the card blocked as compromisedMs [redacted] received the replacement card and activated it on July 11thNetSpend regrets the inconvenience that Ms [redacted] experienced as a result of the fraudulent activityWe hope she appreciates the efforts we made to secure her fundsMs [redacted] has been given my contact information should she have any further questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: it sure is easy to buy the card and most people wouldn't know the difference between gift card and debit card. It does not state that you give your SS numbers on the outside packaging only on the inside of the packaging and it's on very small print. When you open and read information inside the package it states NetSpend has the right to use your information even when you opt out. I want to know my information will not be used and for my name to be spelled right it's [redacted] not [redacted] . It also states that my case will close in 6 business days when NetSpend has 10 days to send check. After dealing with this company I want the check in hand and I have no faith in them, or their word. My name is spelled twice as [redacted] but on third attempt it's spelled right as [redacted] .Thankyou [redacted] Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: I was told from the corporate office that if I didn't provide the company the credit card number that it was impossible for them to remove me from their advertising lists and I would still receive advertisements because my account was "open" I can see that I will not be getting a satisfactory response from Netspend.I am disappointed that in this day and age when we have so much identity theft taking place that companies would not want to thwart any risks of it happening! Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a fee for his replacement card On August 16, 2016, Mr [redacted] ordered a replacement card through his online account and was charged a $fee Mr [redacted] contacted us on August 17, and we explained why there was a cost for his replacement card.A member of our Corporate Response Team attempted to reach out to Mr [redacted] on August 17, but we did not have the opportunity to speak with him The fee for Mr [redacted] replacement card was refunded back to his available balanceWe have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received additional comments regarding complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.We appreciate Ms [redacted] ’s additional comments We have re-reviewed Ms [redacted] ’s dispute claim and confirmed that it was investigated properly We have also confirmed the call recording details, that Ms [redacted] did not report her temporary card as lost/stolenWe attempted to reach out to Ms [redacted] to discuss her additional comments, but unfortunately have not been able to speak herA letter detailing the results of the investigation was mailed to her address on fileShe should receive this letter within business days We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: even though coorprate office followed through with fixing our account and even sending my partner an expidited card along with refunding the funds I used to pay dor the first card the company failed to review my documents that I sent in at amWhich I should have recieve a response with in six hoursWhich would of been 3pmI mever recieved a response and spent all day on the phone and at 5pm they rejected our returnsWhin brian contacted me he asked me to send him what I had origionally sent to ther documents departmentI did just thatIn return jason was approvedMy point being all of this could have been avoided and now I have to spend hours upon hours tryinb to get a hold of turbo tax and the irs to find our return that could have been deposited on the thIOnsrantly got a run around put on hold hung up on and pushed offThis has been one of the most horrible experiences ever and I feel that netspend should do whatever they could do to stop the rejection that was percent unecessaryIf they would not of been so rude and tried to help me my partner and I would have our returns and we could get our car fix pay our bills or get into a permante houseBut now we have to freeze for however much longerFrom what I here its about daysSo as they may have approved jason and fixed my account the problem was not solved Regards, [redacted]

Thursday, October 20, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the purchase cushion associated with his account We may from time to time approve purchase transactions that a cardholder requests that create up to a $ negative balance on their Card AccountWe refer to this feature as the Purchase CushionNegative balances are approved at our discretion on a per transaction basis On October 15, 2016, Mr [redacted] contacted our Customer Service Department because he attempted to use his $purchase cushion and it declined to workIn his attempts to use the feature, he was charged decline fees and a balance inquiry feeWe reimbursed his account for these fees.A member of our Corporate Response Team has attempted to contact Mr [redacted] to discuss the $purchase cushion, but unfortunately, we have not been able to speak with himOnce Mr [redacted] contacts us back, we will be glad to assist him further.We have provided Mr [redacted] with our contact information should he have any further questions or concernsThank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # [redacted] filed with your office by [redacted] concerning a block on his account that was caused by a merchant refundHe’s requesting access to his funds because he had no knowledge of the specific ways to load the card Our Fraud Prevention Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOn December 11, 2015, a systemic block was placed on Mr [redacted] ***’s account after the merchant Professional Services Refund IE credited his card $In the event that a refund takes place on a NetSpend account with no corresponding debit, it’s our policy to request a copy of the original purchase receipt in order to authenticate the refundThis policy is in accordance with our responsibilities under the VISA processing rulesThe merchant can also reverse the credit and issue the funds to Mr [redacted] by another method of reimbursement A third option would be for the merchant to send a Letter of Indemnity to NetSpend so that the funds can be returned to the originatorThe originator would then apply the credit by other means We spoke with Mr [redacted] on January 7, and he confirmed that the $payment is validHe sent us an invoice to confirm the paymentFor future reference, the card can be loaded through Direct Deposit, Instant Bank Transfer, Mobile check load, or cash load at over a hundred thousand reload locations throughout the USAThis information can be found on our website, www.netspend.comSince this is a payment transaction, the merchant will have to either reverse the credit or send an indemnity letterI informed Mr [redacted] of this information during the same phone conversationHe has my contact information should he have any further questions or concernsThank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on January 24, by way of telephone, e-mail, or letterIf a letter has been sent, it should be received within the next five business days Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning his inconvenience with activating his NetSpend card that he purchased He’s requesting his documents to be reviewed and his card activated for use To help the Federal Government fight against funding terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account or add a secondary cardholder, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify themThis information can be found on the outside of our card packaging Mr [redacted] purchased his NetSpend card on October 23, Additional information was needed to fully activate his account, and our customer service requested for Mr [redacted] to send in identity documentsThe documents that Mr [redacted] provided were not accepted to approve his accountWe reached out to him on November 3rd by telephone and email, but have yet to speak with himIn the e-mail to Mr [redacted] , we outlined why the documents weren’t accepted, and provided details of the documents that we need to approve his accountIn the meantime, Mr [redacted] was able to access the funds on his account by using his card for in store purchases NetSpend regrets the inconvenience that Mr [redacted] experienced while attempting to fully activate his card We have provided him with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the Overdraft Protection Agreement She’s requesting to be allowed three overdraft fees per month The Optional Overdraft Protection Program is an optional service made available to eligible ACE Elite cardholders If the available account balance is overdrawn beyond the $purchase cushion, we will charge a $fee for each transaction that draws the account further into the negative As a part of the cardholder agreement, NetSpend will only collect on a maximum of three overdraft fees per calendar month Mrs [redacted] agreed to these terms when she enrolled in the program on October 7, Overdraft Protection is offered in our sole and absolute discretion as a non-contractual courtesy to you, and as such, we may elect to deactivate Overdraft Protection for your Card Account at any time, refuse to authorize any transaction that exceeds your Card Account balance, modify eligibility or activation requirements, modify or change the Optional Overdraft Protection Program fee, limits, or any other aspect of the program, and/or terminate the Optional Overdraft Protection Program in its entirety at any timeOn December 12, 2015, we placed Ms [redacted] Optional Overdraft Protection Program into a ninety day deactivation period We are not obligated to notify the cardholder when they enter the deactivation period She will regain access to the Optional Overdraft Protection Program on March 11, as long as the account continues to meet the program eligibility requirements NetSpend regrets the inconvenience that Mrs [redacted] experiencedWe have provided Mrs [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] *** Ms [redacted] states that she requested to freeze her card because she couldn’t find itShe wants her card to be unblocked.On July 15, 2015, we received a request from Ms [redacted] to freeze her card Unfortunately our system doesn’t have capabilities to freeze a card, so customer service blocked the card as lostOn July 17th, our customer service ordered a new card and transferred the available funds to another card account that Ms [redacted] had in her possessionI spoke with Ms [redacted] on July 23rd to address her concerns and transferred funds to her other card accountI also confirmed with her that her replacement card for her direct deposit account has been mailed to the address on file.NetSpend regrets the inconvenience that Ms [redacted] has experiencedShe has been given our information should she have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: I did not contact customer service to activate a card on 12/23/I contacted them after receiving a text message alert on 12/23/stating that there was problem with my card, and to contact customer service before I used itI was informed at that time that a block had been placed on my account, and documents were needed to verify my identityI submitted my documents the next day on 12/24/I called to verify if the documents were received, and I was told that they had been receivedI still don't have an explanation as to what fraudulent activity took place on the account(s), but I want to know; and I also want the check number for the funds being returned to me, and date that it was placed in the mail Regards, [redacted] ***

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the closure of her accountOn September 30, 2016, Ms [redacted] opened her Netspend account with $loaded onto the cardOn the same day, Ms [redacted] successfully transferred the funds to her daughter’s Netspend account.On October 16, our Risk Management Team closed MsAdams’ account because they identified risk factors associated with her activity/informationThese risk factors are not shared publicly for security reasons and Ms [redacted] is no longer eligible for products managed by NetSpend.A member of our Corporate Response Team spoke with Ms [redacted] on October to address her concerns regarding the account closure We will be mailing the remaining funds on her daughter’s account to the address on file; both accounts have the same addressMs [redacted] should receive her refund check within business daysWe apologize for the misinformation Ms [redacted] received regarding the timeframe in which she should receive her checkWe have reported this incident to the management staff of the customer service agents she spoke with We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her direct depositOn October 26, 2016, Ms [redacted] contacted our Customer Service Department at 12:09pm (CST), because her deposit hadn’t posted to her account yetWe advised her that we had not received the funds from the sender yet to postWe received and posted her deposit the same day at 3:36pm (CST).A member of our Corporate Response Team reached out to Ms [redacted] on October 27, regarding her deposit We confirmed with Ms [redacted] that her direct deposit posted to her account and that her funds are available to useWe apologize for the service Ms [redacted] received from our Customer Service Department when she requested to speak with a ManagerWe have reported this incident to the management staff of the customer service agents she spoke with We have provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company