How itworks.

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HOW ITWORKS

+.£Jill. Deposit Money

-w Make Purchases

~.~.v Pay Bills

ATM

'fL]' Withdraw Cash

ttt. Create Sub-Accounts

~ Make Bluebird-to-BluebirdTransfers

QO Track and Manage Your Account

For more detailed information, please visit Bluebird.com. 9

DEPOSIT MONEY

'Third-partyfees may apply.1Fees may apply.

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Deposit Money

• Automatically deposit all or part of your paycheckto your Bluebird Account with Direct Deposit

• Transfer money from a checking or savings account

• Add cash directly to your Bluebird Account at Walmart,or with cash reload packs available at participating retailers'

• Add money using your debit card-

• Deposit checks remotely using the Bluebird mobile app

There are many ways to deposit moneyinto your Bluebird Account.

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Use your Bluebird Card for everyday spending at restaurants,in stores (like grocery), online, for travel, and everywhere

American Express" Cards are accepted,' 1Alwaysseled"aedit"when prompted.1PurchaseProtection isunde!written by AMEX Assulilnce Company,AdministliltiveOffice, Phoenix, AL Coverage isdetermined by the terms, conditions, and exclusionsof PolicyAX0951 or Policy PP-INDand issubjectto change with notice. Thisdocument does not supplement or replace this policy.

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MAKE PURCHASES

Make Purchases

With Purchase Protection? you can feel safe knowing youreligible purchases at stores and online are secure.

As an added benefit, you'll incur no foreign exchange feeson purchases made with your Card while traveling outsideof the country.

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PAYBILLS

Pay Bills

With Bluebird, you can quickly and easily pay your bills-from your cable or utility bill to your gardener or babysitter.

It's super fast and easy. And you can save payee informationat Bluebird.com for even more convenient transactions.

Pay any person or business in the U.s.online or with the Bluebird mobile app.

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Withdraw Cash

ATM

fEDGet cash from ATMs.

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WITHDRAW CASH

\J.

Easily withdraw cash from your Account' at:

• Any ATM that accepts American Express Cards

• More than 22,000 surcharge-free, in-networkMoneyPass'" ATM locations nationwide

You can find MoneyPass locations with our ~r;;..ATM finder at Bluebird.com and by using the ~JBluebird mobile app.

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·'Fees and surcharges may apply.

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- CREATE SUB-ACCOUNTS

Create Sub-Accounts

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iii.Want to give Cards to family members or others? You can createup to four Sub-Accounts for any person 13 years of age or older,such as your:

• Children - give allowances or send money instantlyto kids at home or away

• Babysitter - easily provide money for incidentals

• Contractor - add money to their Card for materials

Maintain control of Sub-Account spending by setting dailyspending limits and setting up e-mail/text alerts, as well asby limiting or enabling other key features, like ATM access.

Create Sub-Accounts at no charge.

--Bluebird-to-Bluebird

Enjoy the convenience of free and instantBluebird-to-Bluebird transfers.

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BLUEBIRD-TO-BLUEBIRD

Securely and instantly send money to and receive moneyfrom other Bluebird Members, either online or by usingthe Bluebird mobile app.

If your friends have Bluebird Accounts, you can easily andinstantly pay them back for movie tickets, restaurant billsand more.

Track and Manage

Enjoy 24/7 online and mobile Account access.

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TRACK AND MANAGE

It's easy to track your spending and manage your Accountonline 2417 at Bluebird.com, by using the Bluebird mobileapp, or requesting balance and transaction history via text:

• Check your balance and transactions

Pay bills and people anytime, anywhere

Send money to and receive money from otherBluebird Members

Set up customized text and e-mail alerts

Request balance and transaction history texts toyour cell phone

'Standard text messaging rates may apply.

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Fraud ProtectionFeel safe knowing that, if your Card is lost or stolen,you won't be responsible for fraudulent charges.

Purchase Protection 1

If an eligible item purchased with the Card is acddentallydamaged or is stolen, Purchase Protection 1 can reimburseyou within 90 days of the date of purchase.

Global Assist '" Services2If you're traveling more than 100 miles from home and needemergency assistance, you are backed by Global Assist Services.We can direct you to English-speaking medical and legalprofessionals, help with lost passports, and much more.

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1 PurchaseProtection~underwrittenbyAMEXAssurance(ompany,AdminislJativeOffice, Phoenix,ALCoverage~detennined bythetenns, conditions,and exdusions of Policy AX0951 orPolicy PP-IND and issubject to change with notice. This document does not supplement or replace this policy.

1WhiletheGlobalAssist coordination and assistance services ale offeredat noadditional chargefiom American

BENEFITS

Roadside AssistancelIn the event of car trouble, you have access to RoadsideAssistance. Just call us, and we'll send help.

Entertainment AccessEnjoy special savings and advance tickets to some of thehottest events in music, sports, and theater.

Customer ServiceReceive free access to World-class American ExpressCustomer Service 2417.

Express, Cardrnembers are responsible forthe costs charged by third-party service providers.W)IlUneed further information, pleasecall the number on the bad< of yourCard.

J Cove1ilge issubjecttoadditional terms, conditionsandexdusions. Call1-800-333-AMEX furfull tennsand conditions.

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We've got nothing to hide.

With Bluebird, you won't get hit with hidden feesor unexpected charges.

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NO HIDDEN FEES

Enjoy Bluebir(lwitti no tij(lden fees: Account FeeSummaryFee Category Fee Type Amount

CostolSotUp:Monthly/Annual Fee FREEActivation FREE

Direct Deposk FREEChecking/Sayings Account FREE

Add Money: From a Debk Card $2Cash or Debk through Walmar1 $1Cash load Packs FREEbut third party fees may applyDeposk Checks with Mobile App FREE

ATMTransac1lons:WrthdrawaUiledine (at Mon~tass® Ne1wo'" ATMswith dire<t deposk) FREEWithdrawaVDedine (Other)' $2

Spend Money: Electronic Bill Pay FREE

Customer Servke (alb FIIU0tIIer: Replacemenl Cardlll1KllYltyiDormancy FREf

ForeIgn Exchange FREE

See Member Agreemenl for complete delails.'ATMoperalor fees may also apply. 'ATMfees are not currently charged to Arkansas residenU.

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