ABOUT NETSPEND

NetSpend® Corporation - Empowering Consumers

NetSpend Corporation is a leading provider of reloadable prepaid debit cards and related financial services to underbanked consumers in the United States. We serve the estimated 60 million underbanked consumers who do not have a traditional bank account or who rely on alternative financial services. Our mission is to provide products and services that empower consumers with the convenience, security and freedom to be self-banked.

Since 1999, our products have enabled more than 7 million consumers to make purchases, pay bills and manage their money without the need for a checking account or credit history.

NetSpend's extensive distribution network provides consumers the ability to purchase and reload prepaid debit cards at more than 100,000 locations, such as retailers, check cashers, convenience stores, grocers, insurance providers, tax preparers and many others. In addition, our direct distribution channel reaches consumers beyond our store-based distributors. NetSpend is also a leading provider of corporate payroll card solutions, which not only benefit employees, but also help employers achieve 100% paperless payroll system.

NetSpend is traded on the NASDAQ stock exchange under the symbol NTSP. The company is based in Austin, Texas with additional offices in Atlanta, GA;, Charlotte, NC; Leawood, KS; and San Mateo, CA.


Prepaid Debit Cards

NetSpend offers FDIC-insured Visa® and MasterCard® Prepaid Cards, issued by various state and federally regulated financial institutions. NetSpend Prepaid Cards feature free Direct Deposit; 24/7 account access via online, phone or text message; bill pay services; and an optional savings account offering an industry-leading 5.00% APY.1 NetSpend Prepaid Cards provide an end-to-end banking solution meeting the needs of underbanked consumers.

NetSpend Prepaid Cards can be ordered online or purchased at more than 30,000 nationwide locations including grocery stores, check cashers and convenience stores. View some of our distribution and reload partners here. Or, visit our Reload Center locator to find partner locations nearest to you.


Corporate Payroll Cards

NetSpend offers payroll card solutions under the Skylight Financial brand that meet the needs of both employers and their employees. Skylight payroll cards have many of the same features as NetSpend cards, including FDIC-insurance, MasterCard® or Visa® branding, free Direct Deposit, 24/7 account access via the web, phone or text message, and bill pay services. As a complement to our payroll cards, we also offer online wage statement and W-2 capabilities that help employers achieve 100% paperless payroll and significantly reduce expenses. For more information, visit skylightfinancial.com.


Our Platform and Services

NetSpend has developed a proprietary, fully-integrated payments platform. This includes critical functions required for us to acquire cardholders; process transactions; maintain account-level data; communicate with cardholders; manage risk; ensure regulatory compliance; and stay in close contact with our issuing banks as well as our distributors. These integrated capabilities allow us to customize our products and services for different markets, distribution channels and customer segments. Furthermore, by processing transactions on our own platform, we gain unique and extensive insight into the attitudes, characteristics and purchasing behavior of underbanked consumers.

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1 Customers ordering a card through this site are eligible to open a NetSpend National Savings account made available through MetaBankTM, Member FDIC. Interest is calculated on the Average Daily Balance of the savings account and paid quarterly. Annual Percentage Yield (APY) accurate as of April 1, 2011: this is a promotional rate and may change without notice pursuant to applicable law. No minimum balance needed to open account or obtain the yield. A $5,000 cap applies to funds on deposit in the account. The cap may be exceeded by interest accruing on the funds. Current depositors may maintain a balance in excess of the cap; however, once the balance falls below the cap, the cap then in effect will be applicable. The cap is subject to change. Because savings are withdrawn through the card account, card transaction fees could reduce interest earned on the savings account.

NetSpend Visa Prepaid Debit Cards and NetSpend Prepaid Debit MasterCard cards are issued by The Bancorp Bank, BofI Federal Bank and MetaBank™, Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted, and pursuant to license by MasterCard International Incorporated, respectively. Please see back of your card for its issuing bank. Cards ordered through this site are issued by MetaBank. NetSpend is an authorized Independent Sales Organization of The Bancorp Bank, BofI Federal Bank and MetaBank, respectively. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. NetSpend, NetSpend Premier, Anytime Alerts, Pay-As-You-Go, and FeeAdvantage are service marks of NetSpend Corporation.

All other trademarks and service marks belong to their respective owners.

© 2014 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.