The RPM™ Prepaid MasterCard^® Card can simplify your life. It's a reloadable prepaid card that offers a convenient alternative to paying bills and making purchases—without a bank account or a credit check. Imagine never bouncing a check or paying to cash a check. And because the card is prepaid, you never go over your spending limit. That makes the RPM Card a great budgeting tool. Plus, you'll enjoy these other great benefits:

Worldwide Acceptance
Your RPM Card can be used for auto rentals, department stores, gas stations, grocery stores, hotels, making reservations, restaurants, retail stores and places where cash isn't accepted, such as bill payments over the phone, mail and catalog orders, and internet shopping. You can use your RPM Card at millions of locations worldwide that accept MasterCard debit cards.

Access to Cash Worldwide
Your RPM Prepaid MasterCard can be used at more than 1 million ATMs worldwide, and you can also get cash back from transactions at millions of merchant locations that accept MasterCard debit cards.

Low Monthly Fee
The monthly maintenance fee is only $3.95, plus you can save hundreds of dollars a year in check-cashing fees and save valuable time by eliminating waiting in lines, trips to the bank or lost checks.

24/7 Card Account Access
You can access your RPM Card account balances and transaction history, as well as report a lost or stolen card any time online at www.rpmcash.com or via our toll-free number 1-877-562-3729 (877-LOAD-PAY).

Adding Cash to the Card
Unlike other payroll cards, the RPM Card allows you to add cash to your card account, in addition to getting direct deposit of your paychecks. You can add cash by:

• Making a bank ACH transfer
• Sharing funds from your PayPal account
• Making a deposit onto your card at a Western Union location
• Having another RPM Cardholder share funds to your account from theirs
• COMING SOON: MasterCard repower Network, the MasterCard point-of-sale reload service. A new service from MasterCard that allows you to add money to your eligible MasterCard prepaid card at thousands of participating retailer locations.

Electronic Bill Pay
There are three easy ways you can pay bills with your RPM Card—eliminating the hassle of getting a cashier's check or money order:

• Search for services and utilities that accept Debit MasterCard payments on the MasterCard website. Then set-up automated bill payments from there.
• Use your RPM Card to process a direct debit via ACH, initiated by a biller/merchant for an amount authorized by you, the cardholder. You can use your RPM account and routing numbers to pay your bills as long as the billers or merchants can do ACH debits and you have the full amount available in your account prior to paying each bill.
• COMING SOON: RPM's Online Bill Payment Service, which will allow you to send money from your prepaid account electronically or by paper check to any company, institution or person within the United States, U.S. territories and U.S. military bases.

Email and Wireless Alerts
You can register any cell phone or email address to interact with your RPM Card in real time. Once you register, you will receive SMS text messages regarding your RPM Card's balance, as well as deposit and purchase notifications.

No Interest Charges
There are no interest charges with the RPM Card because it's a prepaid card.

Free Card Issuance
Unlike other card issuers that charge issuance and activation fees, the RPM Prepaid MasterCard is free for employers and cardholders. Some maintenance and service fees apply.

FDIC Insurance
Funds loaded to your RPM Card account are FDIC insured up to $250,000.

Backed by the MasterCard Zero Liability** Policy
MasterCard Zero Liability** policy protects you from unauthorized purchases if your card is lost or stolen.

* Source: Scarborough Research
** MasterCard and the card issuer will not hold the cardholder liable in the event of an unauthorized use of a U.S.-issued MasterCard card. This coverage extends to purchases made in a store, over the telephone or online, provided the account is in good standing, the cardholder exercised reasonable care in safeguarding the card, and the cardholder has not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard-branded cards issued if a PIN is used as the cardholder verification method for the unauthorized transaction(s).
*** The U.S.A. PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a card account. You will be asked to provide your name, address, date of birth and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "100% Approval" and "No One Is Turned Down" are contingent upon successfully passing this mandatory identification confirmation.