Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a card she received as a gift that incurred feesShe’s requesting for her account balance to be restored to the original balance of $ The NetSpend packaging that comes with the card has important information that notifies the consumer of basic fees that are associated with the accountWe also disclose on the front of the card packaging that it is not a gift cardWe apologize if Ms [redacted] was not provided the full package along with the gift she receivedThe card fees and other useful information pertaining to the card can be found on the website, www.netspend.comWe spoke with Ms [redacted] on January 6, and reimbursed the maintenance fees that were incurred on her account due to inactivityWe also activated her personalized card, assisted with online registration, explained card usage and highlighted other key feature of the Prepaid Debit cardNetSpend regrets the inconvenience that Ms [redacted] has experienced with our productWe 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

Complaint: [redacted] I am rejecting this response because: I spoke to [redacted] yesterday so that was a lie that I didn't speak to him I simply ask for dollars to be sent back to the VA now I've been told it's gonna be mailed in weeks which is unacceptable I have bills to pay Regards, [redacted] ***

Monday, September 12, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim.On August 29, 2016, Ms [redacted] contacted us to dispute a transaction because she did not receive services for the paymentWe opened a dispute claim and promptly began our investigation On August 30, we determined that her account was not eligible for provisional credit, but we are continuing our efforts to investigate the claim The dispute claim investigation is scheduled to be finalized by October 17, A member of our Corporate Response Team reached out to Ms [redacted] on September 8, 2016, and explained the dispute process The results of the investigation will be sent to Ms [redacted] in writing within business days of completing our investigation 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] Ms [redacted] states that her card was used fraudulently and she incurred fees that were not refundedShe wants to receive credit for disputed transactions, the fees that resulted from the charges, and a replacement cardOn July 15, 2015, we reached out to Ms [redacted] by telephone and emailShe disputed transactions as fraudulent on June 25thWe informed her that the disputes claim would be updated in ten business days, July 9thHer disputed charges and the fees that resulted from the fraudulent activity have been credited to her account on the tenth business dayThe card order from June 24th has not been activated, so we have rushed a second card to her addressShe will receive this replacement card in – daysNetSpend regrets the inconvenience that Ms [redacted] experienced due to the fraudulent activity on her cardShe has been given 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 she has not received the check for her closed accountShe wants to get her funds and she does not want it to take another seven monthsThere was a different address on Ms [redacted] ’s account when it was initially closedThe first check we sent was returned to usThe second check was also sent to an incorrect addressHer address was updated to the identical address she has in the complaint on June 25, We will send her a check for the remaining funds by the week’s end, July 3rdNetSpend regrets the inconvenience that Ms [redacted] experienced while waiting on her checkShe has been given 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] concerning NetSpend Prepaid card offers she received in the mail for other peopleNetSpend 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 informationBecause NetSpend feels strongly about customer privacy, we only contract with marketing affiliates that have collected the information from willing consumers years of age and older and have received permission to share it with us.The 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 activated.A member of our Corporate Response Team spoke with Ms [redacted] on August We have removed Ms [redacted] address from our mailing list and she should not receive any future offers from any NetSpend managed programs 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

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning transactions on her card account On November 17, 2016, Ms [redacted] contacted us regarding a temporary block that was placed on her account due to multiple refunds from a merchant, Google Ms [redacted] spoke with a member of our Risk Management Department and the block was removed She was able to gain access to her funds that same day On December 3, Ms [redacted] contacted our Customer Service Department by sending a secure online message and reported that an error had occurred on her card account and she was expecting a refund from a merchant, Google We sent correspondence to Ms [redacted] informing her that it can take 3-business days for a refund to appear on her account On December 11, Ms [redacted] contacted us to report several unauthorized transactions that posted to her account We immediately blocked the card to prevent any further unauthorized use We promptly opened a dispute claim [redacted] and began our investigation We also informed Ms [redacted] of the investigation timeframe afforded under Regulation E Ms [redacted] contacted us on December 14, to report additional unauthorized transactions from the same merchant The dates of the transactions ranged from June to November We promptly opened a dispute claim [redacted] and began our investigationOn December 27, we concluded our investigation of claim [redacted] and issued reimbursement for one of the disputed transactions No credit was issued for the remaining transaction as did not find an error occurred due to the transactions not being reported within sixty calendar days after electronically accessing the account once the error first appeared in Ms [redacted] electronic transaction history A member of our Corporate Response Team attempted to reach Ms [redacted] on December 29, unfortunately we were not able to speak with her Claim [redacted] , opened on December 11, is still under investigation and is scheduled to be finalized January 25, The results of the investigation will be sent to Ms [redacted] in writing 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 in case she has any further questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: I have a lawyer who is in contact with the companyI was charged late fees for my bills, and overdraft fees from your companyI was also made to send my children to a family member because we couldn't pay for where we liveI have spent countless hours on the phone with you all and missed the last days of work because I had to find a place for us to sleep and money Regards, [redacted]

To Whom It May Concern:We received a rebuttal complaint # [redacted] filed with your office by [redacted] Mr [redacted] mentions confusion about funds mailed in a check or if they still remain on his accountWe spoke with Mr [redacted] on several occasions concerning the check mailed to him on August 20, Since he reported not receiving the check we put a stop payment on itHe contacted NetSpend on August 28th to inform us that he received the check in the mailAfter accounting reviewed the voided check sent by email, the funds were put back on his account for use that same dayNetSpend regrets the inconvenience that Mr [redacted] experienced with the return of funds to his accountWe have provided him with our contact information should he have any additional 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] regarding funds that he was never reimbursed for by NetSpend Mr [redacted] ’s check for the remaining funds on his account was mailed to his address on December 9, Our research shows that check has not been cashedOn January 19, 2016, the old check was canceled so that a replacement check can be sent to Mr [redacted] He will receive the check by mail within ten business daysWe reached out to Mr [redacted] by telephone and email Unfortunately we have not had the opportunity to speak with him recentlyWe apologize that Mr [redacted] hasn’t received his check as promisedHe has our contact information if additional assistance is needed 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] concerning a pending unauthorized charge on a card that she thought was blocked She’s requesting the pending transaction to be released back into her account immediately On October 21, 2015, a transaction from [redacted] in the amount of $was charged to Ms***’s card, and she contacted our customer service to report the transaction as unauthorized As a result of the transaction being in a pending state at the time that Ms [redacted] contacted our customer service, we were unable to proceed with disputing the transaction until it posted to the accountHowever, our customer service blocked Ms***’s card in order to prevent further compromise on her accountThis card was not blocked prior to the reported unauthorized transaction from [redacted] , but it was a replacement card of a card that Ms [redacted] blocked on February 20thAs a courtesy, we released the pending transaction from [redacted] back into Ms***’s account on October 29th since the merchant had not collected the funds in seven daysReleasing this transaction is not a void or cancellation of the original transaction If [redacted] collects the funds later, Ms [redacted] has the options to either work with the merchant to retrieve her funds, or file a dispute through NetSpend NetSpend regrets the inconvenience that Ms [redacted] experienced while attempting to resolve the unauthorized transaction from [redacted] She has been given our contact information should she have any further questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, March 27, 2018To 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 and accompanying disclosures you received were distributed in compliance with the Electronic Fund Transfer Act as implemented through Regulation E (CFR 1005.5(b))Your Social Security number and date of birth were not provided and are not connected to this offer in any wayNo account in your name has been activated as part of this offerThis offer is NOT a credit card, it contains no value, and it cannot be used to conduct transactionsNo credit report has been or will be obtained in connection with this offer, and this offer does not have any effect on your creditThe 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 activated.We attempted to reach Ms [redacted] on March 21, 22, 23, and 27, 2018, 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 funds on his card account We 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 On September 14, 2016, Mr [redacted] purchased a Netspend card with $loaded on itMr [redacted] contacted us on September 15, and attempted to activate his card, but his identity information could not be automatically verified We requested Mr [redacted] to provide copies of his identificaiton documents to verify his identityMr [redacted] provided the information and activated his card account the same day A member of our Corporate Response Team spoke with Mr [redacted] on January 3, 2017, and reviewed with him the transactions on his account and provided him with his available balance After reviewing Mr [redacted] ’s transaction history with him, he advised the money he loaded his card account with had been used without his authorizationWe promptly opened a dispute claim and began our investigation We also informed Mr [redacted] of the investigation timeframe afforded under Regulation E The initial claim review is scheduled to be updated on February 1, Mr [redacted] can expect an update regarding the claim by the end of the business day, 5PM CST We have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Complaint: [redacted] I am rejecting this response because: Regards, [redacted]

To whom it may concern: Thank you for forwarding Ms***’ complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on June 15, 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 concern Thank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

Friday, February 2, To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint [redacted] 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 MsBrown’s dispute claim and we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms [redacted] on January 25, by way of telephoneWe sent her an email detailing the actions to resolve her concernsThank 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: Thank you for for***ing Ms***’s complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on December 26, 2017by way of telephone, e-mail, or letterIf 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] , concerning the use of her NetSpend card She’s requesting the card to work or receive a refund On October 18, Ms [redacted] purchased a NetSpend Prepaid Debit Card and loaded $ After activating the card she attempted a charge for the full amount of $ It was declined for insufficient funds because the available balance was not enough to cover the $signature fee The outside of the card packaging informs consumers of the associated fees for using the card Ms [redacted] was able to use the card after adjusting the amount of her transaction NetSpend regrets the inconvenience Ms [redacted] experienced while using her card We have provided her with our contact information should she have any additional questions or concerns

Wednesday, January 06, To Whom It May Concern: We received additional concerns regarding complaint # [redacted] filed with your office by [redacted] concerning a disputes claim that was filed with our companyShe’s requesting for her money to be returned immediatelyOn December 29th, 2015, our Disputes Department completed their investigation of Ms***’s disputes claim A full pay out for her disputed transactions was applied to her account Ms [redacted] was able to access these funds the following dayWe regret the inconvenience Ms [redacted] experienced with the unauthorized transactions made on her account We understand the dispute process is lengthy and we appreciate her patience She has been given our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Friday, December 22, 2017To Whom It May Concern: Thank you for forwarding Mr [redacted] ’s complaint to usOn November 6, 2017, Mr [redacted] ’s Card Account was closed due to risk factors that were identified Mr [redacted] is no longer eligible for products managed by Netspend and a refund check was mailed to his address on file We attempted to reach Mr [redacted] by phone and email on December and December 20, but unfortunately, we were unable to speak with himWe emailed Mr [redacted] a letter on December outlining our actions to resolve his complaintHis case has been assigned to a Corporate Customer Response Team Analyst, [redacted] Should he contact our Customer Service Department, we have left notes on his account for him to be connected with [redacted] to further assist him with his concern.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 AnalystNetspend, a TSYS Company