Realcor Developments Ltd.

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a missing direct deposit that she is trying to locateShe’s requesting for the funds to be found and deposited on to her NetSpend account On November 30, 2015, Ms [redacted] was added to an existing NetSpend account as a secondary cardholder Our system recognized that her information was associated with a previous account that had a negative balance, and automatically blocked the account where she was added On December 4th, Ms [redacted] notified us that the incorrect account number was given to her employer for her anticipated ACH (Automated Clearing House) deposit After researching the deposit, we confirmed that it was rejected and returned to the sender on December 2nd It can take up to six business days for the sender to receive the returned ACH deposit We reached out to Ms [redacted] on December 10th by telephone and email We have yet to speak with her, but will assist with her concerns when she returns our call NetSpend regrets the inconvenience Ms [redacted] experienced with her returned deposit We have provided her with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, March 13, 2018To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usWhen investigating dispute claims reported by our cardholders we adhere to the processes as defined in both Regulation E and in Netspend cardholder agreements that customers receive when opening an accountWe’ve reviewed Ms [redacted] dispute claim and complaint that PVC was not providedAfter review, we’ve determined that her claim was handled correctlyAs you requested, we addressed this matter directly with Ms [redacted] on March 13, by way of e-mailWe provided her with further insight on the dispute processThank you for bringing this matter to our attentionThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on May 12, 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

Complaint: [redacted] I am rejecting this response because: the reason for the origination of this complaint is because the company lied, unnecessarilyThey are still lying, unnecessarilyNo one contacted me from the company, although I did FINALLY receive the replacement card, I have received no other correspondence from them Regards, [redacted]

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning the activation of his NetSpend card.We have attempted to contact [redacted] on May and 10, to assist him, but have been unable to speak with him or locate the account in questionShould *** [redacted] contact us, we will be glad to review his account with him.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: Thank you for forwarding Ms [redacted] ’ complaint [redacted] to us As you requested, we addressed this matter directly with Ms [redacted] by way of telephone, email, or letter If a letter has been sent, it should be received within the next five business daysWe sent Ms [redacted] ’ an email on September 18, and 21, outlining our actions to resolve her complaint Ms [redacted] ’ case has been assigned to Corporate Response Team Analyst, *** Should Ms [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist her with this matter Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Monday, December 05, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her direct deposit.On November 21, 2016, Ms [redacted] ordered a Netspend card online through NetSpend’s website On November 29, Ms [redacted] received a notification that her payroll direct deposit was pending and she needed to contact us for further assistance That same day, Ms [redacted] was informed that she was no longer eligible for NetSpend services due to a previous account she had with us.In response to her communication, a member of our Corporate Customer Response Team reached out to Ms [redacted] , but unfortunately, we have not had an opportunity to speak with her Her direct deposit was returned to her employer on December 2, and will arrive within business days We apologize for the service that Ms [redacted] experienced with our Customer Service Department We 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

Friday, December 23, To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a NetSpend Prepaid Visa Card Account she purchasedWe are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a Card Account with us When our cardholders open a Card Account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify themThe requirement to obtain this information is displayed on the inside flap of the Card Account package and is visible to consumers prior to purchase The NetSpend packaging also has important information that notifies the consumer of basic fees including Account Maintenance Fees of $that are associated with the Card Account per month if there is no activity, such as a purchase, cash withdrawal, load transaction, or balance inquiry for daysThis information is also available on our website A temporary Netspend Card Account was purchased on January 31, 2016, at WALMART with $loaded onto itMs [redacted] contacted our Customer Service Department on December to activate the card, but the card had expired since our temporary cards expire after daysWe advised Ms [redacted] that we need to verify her identity information before a replacement card can be ordered Ms [redacted] did not feel comfortable providing her personal information and requested that we activate the Card Account for ‘Limited Use’The ‘Limited Use’ option allows the card to be used for PIN based transactions and in-store purchases onlyOnce all the funds are dispensed, the account will close and the card can be discarded because it cannot be reloadedMs [redacted] proceeded to use the card, but our records show the card declined because it had not been activated by Ms [redacted] for use.A member of our Corporate Response Team spoke with Ms [redacted] on December We explained our product features to Ms***, and as a courtesy, we refunded her account for the fees she was chargedMs [redacted] requested that we mail her a check for her remaining funds to the address on fileMs [redacted] should receive this check with business daysWe apologize for any difficulty Ms [redacted] is reaching someone in our Customer Service DepartmentWe 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 the inconvenience she encountered while attempting to activate her card She’s requesting a refund of her money 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 We reached out to Ms [redacted] by telephone and email on March 1, 2016, but unfortunately, we have not had the opportunity to speak with her We explained by email that a physical address is required to fully activate the card On March 3rd, we complied with her request to close her account and sent her the refund She will receive the funds from her card balance within ten business days NetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to activate her card / account We have provided her with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Friday, May 6, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claimOn March 4, 2016, [redacted] contacted us to dispute the transaction with [redacted] because it had posted onto his account We opened a dispute claim and promptly began our investigationWe also informed [redacted] of the investigation timeframes afforded to financial institutions under Regulation EWe concluded our investigation on April and no credits were issued because we were unable to identify that an error occurredWe have reason to believe [redacted] benefited from the transactions A letter explaining the dispute decision has been mailed to the address on fileUpon receipt of his complaint, we spoke with [redacted] on April to discuss his claim We advised that [redacted] confirmed that the transaction was valid We have provided [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Mr [redacted] ***’ complaint # [redacted] to us We reviewed Mr***’ account and determined his dispute claim is being handled appropriately We validated that Mr***’ card is no longer active and cannot be used for additional unauthorized transactions We are sorry to hear that Mr [redacted] had a bad experience with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and procedures We attempted to reach Mr [redacted] by phone on June 19, and 22, 2017, but unfortunately, were unable to speak with himWe emailed Mr [redacted] on June 22, outlining the actions we took to resolve his complaint Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company

Tuesday, April 10, To Whom It May Concern: Thank you for forwarding Ms [redacted] ’ complaint [redacted] to usNetspend relies on affiliate marketing services as a source for reaching potential new customers and card offer recipients’ information is acquired through these business relationshipsA consumer’s name and address is provided to the affiliate marketing service when the consumer opts in to receive offers and marketing materials from the third party, as well as any third party with whom they may share the informationThe offer is not active and cannot be used unless activatedDuring activation, Netspend verifies the identity of the person activating the offer to ensure that the card offer can only be used by the intended recipientIf the recipient cannot be verified, then the offer cannot be activatedWe attempted to reach Ms [redacted] on April 9, and 10, by telephone but were unable to speak with herWe emailed Ms [redacted] the details outlining 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 complaint # [redacted] filed with your office by [redacted] concerning the fees she had to pay to set up a new Netspend account while waiting for her replacement card On March 21, 2016, Mr [redacted] contacted Netspend because her card had been compromisedWe ordered her a replacement card to be sent to her address on file; however, in order to get access to her remaining funds, she opened a new account to have the funds transferredWhen opening an account at one of our distributors, the store will charge a fee and also require a minimum load amount.On March 22nd, I spoke with Ms [redacted] s to address her concerns including the fees she was assessed.NetSpend regrets the inconvenience Ms [redacted] s experienced with the fees charged for setting up another accountWe have provided her 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 a refund check he has not receivedMr [redacted] Netspend account was closed on April 3, We sent his remaining funds back to the US Treasury and received confirmation of delivery on April Upon receipt of his complaint, we attempted to contact Mr [redacted] on May to provide him with the confirmation of delivery, but have not been able to speak with him We apologize for the misinformation that Mr [redacted] received from our Customer Service Department We have reported this incident to the management staff of the customer service agents he spoke with.We 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 complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On February 16, 2016, Ms [redacted] contacted us to report that an unauthorized transaction posted to her account We immediately blocked the card to prevent any further unauthorized use We opened a dispute claim and began our investigation We also informed Ms [redacted] of the investigation timeframes afforded to financial institutions under Regulation E Ms [redacted] contacted us on March and advised that the transaction was not unauthorized She informed us that the merchant will issue a refund back to her account Since a refund has not been sent to us, we advised that an update on her claim will be available on May When Ms [redacted] ’s claim finalizes, we will credit the full amount back to her account, if the claim is successful On March 25, we spoke with Ms [redacted] by phone and explained the full disputes process We understand how frustrating it can be to resolve a dispute with a merchant and we appreciate Ms [redacted] ’s patience while we attempt to get her funds returned.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

Thursday, July 13, To Whom It May Concern: Thank you for forwarding Mr [redacted] ***’ complaint # [redacted] to usWe are sorry to hear that Mr [redacted] had a bad experience with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents he spoke with to ensure that they receive appropriate coaching on our policies and proceduresAs you requested, we addressed this matter directly with Mr [redacted] on July 11, by way of telephoneWe emailed Mr [redacted] the details of the actions to resolve their complaint that same dayThank 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

Tuesday, August 16, To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check for her account that she has not receivedOn July 30, 2016, Ms [redacted] attempted to activate a new cardOur system recognized her information as being associated with prior accounts that had negative balances and automatically blocked the accountOur Risk Management team determined that Ms [redacted] was no longer eligible for products managed by NetSpend and the new account was closedIn response to her communication, a member of our Corporate Customer Response Team spoke with Ms [redacted] on August 16, and explained the reason for the account closureWe refunded the cost to purchase the card and ensured Ms [redacted] balance was restored to the oringial amount She will receive a check for the full card balance within ten business daysWe recommend that Ms [redacted] contact the Federal Trade Commission (FTC) to report the identity theft since someone was able to open card / accounts using her informationShe can contact the FTC at www.ftc.gov/idtheft or by calling [redacted] The FTC will provide a walk-through on how to report ID theft to credit bureaus, FTC, police, and affected financial institutionsMs [redacted] has been provided with our contact information should she have any additional questions or concernsThank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on August 31, by way of telephoneIf a letter has been sent, it should be received within the next five business daysThank 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] ** [redacted] states that she was required to provide her Social Security Number to activate a gift cardShe wants her card activated without supplying her personal informationFederal 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, we will ask for their name, physical residential street address, date of birth, and other information that will allow us to reasonably identify themNetSpend is compliant with the laws concerning the prepaid debit cardIf the information provided cannot be verified by, we will request documents to manually verify the account informationThe NetSpend card package infor [redacted] the buyer that we require the above informationIt also states that the product is not a gift card, the person activating the card must be at least years of age, and the use of the card will be limited prior to identity verificationOn August 17, 2015, we spoke with ** [redacted] to provide her with this informationWe also corrected her name and shipping address and will send her a refund checkWe will inform ** [redacted] when the check is mailed to herNetSpend regrets the inconvenience that ** [redacted] experienced while trying to activate her cardWe have provided her our contact information should she have any additional questions or concernsThank you, [redacted] * [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received comp*aint # [redacted] fi*ed with your office by [redacted] concerning the c*osure of her accountOn Apri [redacted] 26, 2016, Ms [redacted] fi*ed a disputes c*aim against the merchant, [redacted] We immediate*y opened a dispute c*aim and began our investigationWe a*so informed Ms [redacted] of the investigation timeframes afforded to financia [redacted] institutions, under Regu*ation EWe updated her c*aim on May 10, and a provisiona [redacted] credit was issued during our disputes investigationThe c*aim is set to fina*ize on June On May 10, our Risk Management Team c*osed Ms [redacted] account because they identified risk factors associated with her activity/informationThese risk factors are not shared pub*ic*y for security reasons and Ms [redacted] is no *onger e*igib*e for products managed by NetSpendWe spoke with Ms [redacted] on May and granted temporary access to her fundsA check for the remaining funds on the account was mai*ed to MsWi**iams’ address on May She wi [redacted] receive her check within ten business daysWe have provided Ms [redacted] with our contact information shou*d she have any additiona [redacted] questions or concernsThank you, [redacted] * [redacted] Corporate Customer Response TeamNetSpend A TSYS Company