Realcor Developments Ltd.

Friday, January 26, 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 Ms [redacted] dispute claim and we’ve determined that her claim is being handled correctlyThe new account has a business day timeframe for the claim updateA new account is defined as an account that has a disputed transaction within days of the initial deposit to the Card AccountAs you requested, we addressed this matter directly with Ms [redacted] on January 26, 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: We received complaint # [redacted] filed with your office by [redacted] concerning unauthorized transactions on her NetSpend cardShe’s requesting to have the funds returned to her On February 20, 2016, Ms [redacted] reported three unauthorized charges on her card The card was blocked as a protection against future unauthorized charges We ordered her a replacement card and told her the claims would be updated in ten business days, March 4th Our Disputes Department may request additional information if needed and will determine if a temporary credit will be issued for the ongoing claim on that date We spoke with Ms [redacted] on February 25th She informed us that she only wanted to dispute one of the charges We informed the Disputes Department of the development and gave Ms [redacted] the information to send us a letter of disputes NetSpend regrets the inconvenience that Ms [redacted] experienced with the unauthorized charges on her cardWe 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

To Whom It May Concern: We received complaint # filed with your office by Verna Hollingsworth concerning her refund checkOn January 14, 2013, our Risk Management Team closed MsHollingsworth’s account due to risk factors that were identified with her account activityThese risk factors are not shared with consumers for security reasons and MsHollingsworth is no longer eligible for products managed by NetSpendOn January 25, we mailed MsHollingsworth a check for her remaining funds to the address on fileOur agent informed MsHollingsworth that check should arrive 10-business days On January 11, 2017, MsHollingsworth contacted our Customer Service Department to inform us that she did not receive her check A request was sent to our Accounting Department to determine the status of the check that was mailed, January 25, A member of our Corporate Response Team spoke with MsHollingsworth on January 24, 2017, regarding the status of the check We informed her that the check has cleared and we are unable to reissue the funds A copy of the cleared check was sent to MsHollingsworth for her records We have provided MsHollingsworth with our contact information should she have any additional questions or concerns Thank you, Synina Villalon Corporate Customer Response Team NetSpend A TSYS Company

Thursday, August 18, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the Refer-A-Friend bonus associated with his NetSpend Prepaid Debit Card On July 26, 2016, Ms [redacted] ordered a NetSpend card through our website Ms [redacted] activated her card on August 5, and made a cash load that same day On August 7, the referral code that Ms [redacted] was given by the person whom referred her, was entered into our data base Ms [redacted] ’s account did not qualify for the bonus only because the card was activated using a different method instead of the emailed link with instructions about ordering and activating a card the meet the requirements for the Refer- A- Friend program We spoke with Ms [redacted] on August and verified the referral code she was provided and issued the Refer-A –Friend credit to her account 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 concernsThank you, [redacted] Customer Response Team NetSpend, A TSYS Company

Wednesday, March 7, 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 have reviewed Ms [redacted] dispute claim and we’ve determined that her claim is being handled correctlyAs you requested, we addressed this matter directly with Ms [redacted] on March 6, by telephoneWe provided her with the results of the review of her dispute claimWe emailed Ms [redacted] the dispute investigation documentsThank 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

Complaint: [redacted] I am rejecting this response because: I never used my cardI was sent numerous cards (6)I was wondering why there was so many cardsThe letter that was sent to didn't state who used my cardAll its states is I used the cardI have never access or used my own money that I work very hard forhours shift is hard workI would appreciate it if they would just refund me my money.Regards, [redacted]

Tuesday, June 21, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning an instant transfer from her PayPal account On June 15, 2016, Ms [redacted] transferred $from her PayPal account to her PayPal Prepaid MasterCard She contacted us to report the funds never posted to her prepaid account We instructed her to contact PayPal online services to resolve the issue Upon receiving Ms***’s complaint, we contacted her on June to discuss her missing transfer Ms [redacted] provided documents to confirm the transfer from PayPal We reimbursed Ms***’s account for the missing transfer while we research the issue We provided Ms [redacted] with our contact information should she have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Monday, August 8, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a transaction on her accountOn August 3, 2016, we received an authorization request from [redacted] to hold $amount on Ms [redacted] cardMs [redacted] contacted our Customer Service Department on August 6, to dispute the pending charge from the merchantWe informed her that if the [redacted] collects on the pending authorization, we will be able to open a dispute claim once the transaction posts to her accountIf the merchant does not collect the transaction during their settlement process, the funds will be released back to her card balance after seven daysIn response to her communication, we reached out to Ms [redacted] on August 8, but unfortunately, we have not had the opportunity to speak with herWe received clarification through email that the charge was cancelled in the storeIf a cardholder requests a release before we receive the merchant’s settlement request, we require written confirmation from the merchantWe request confirmation for the protection of our cardholders as well as merchants who, having received authorization for a transaction, have the right to collect for legitimate transactionsWe released the authorization back to her available balance on August As a courtesy, we also issued a credit to Ms [redacted] account for transactions feesWe apologize for the service that Ms [redacted] experienced with our Customer Service DepartmentWe have reported this incident to the management staff of the customer service agents she spoke withMs [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:We received complaint # [redacted] filed with your office by [redacted] ***Mr [redacted] mentions disputing transactions on his account that resulted in no error found on the transactions disputedHe’s requesting to be reimbursed for the disputed amount of $1500, copies of his transaction history statement, and a letter explaining the reason for his account closureOur Risk Management Team regularly monitors our cardholder’s accounts in efforts to prevent compromising activity, or unacceptable account usageOur Risk Management Team identified risk factors that led to the blocking of Mr***’s account on July 27, For security purposes we are not permitted to disclose the risk that was identified on Mr***’s accountHe is no longer eligible for NetSpend services as a result of the risk factorsOn July 31st, Mr [redacted] disputed two Western Union transfers with the corresponding transfer feeWe informed him that an update would be provided to him within ten business days, August 14thOn the tenth business day we closed both claims, and found no error on the transactions that were disputedWe’ve mailed Mr [redacted] disputes closure letters that concluded the decision of his disputes claims, in addition to his account transaction history statementsAfter speaking with Mr [redacted] on August 24th, we are sending him the supporting documentation on how we reached our disputes claim decisionNetSpend regrets any inconvenience that Mr [redacted] experienced as a result of the closing of his account and disputes claimWe 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: Thank you for forwarding Ms [redacted] complaint # [redacted] to us We validated that Ms [redacted] card is no longer active and cannot be used for additional unauthorized transactions When 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 account We reviewed Ms [redacted] dispute claim and determined that her claim is being handled appropriately We attempted to reach Ms [redacted] by phone on July 3, 8, and 10, 2017, but unfortunately, were unable to speak with herWe emailed Ms [redacted] details outlining the actions we took to resolve her complaint on July Her case has been assigned to a Corporate Customer Response Team Analyst, ***Should she contact our Customer Service Department we have left notes on her account for her to be connected with [redacted] to further assist him with her 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

Complaint: [redacted] I am rejecting this response because: This matter was not resolved correctly according to the Federal Trade Commisson when an individual has identity theft, the claim must be closed and removedThis is the law! Please review the attached Identity Theft report and advise per all regulations by law according to the consumer protection bureauI will get my attorney involved if the identity theft report is not followedThis same matter is why [redacted] has a current million dollar lawsuit from the Federal Trade Commission Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the activation of her 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 package and is visible to consumers prior to purchase Our packaging also informs that the person activating the card must be at least years of age On January 3, 2017, Ms [redacted] attempted to activate her new NetSpend Card Account Ms [redacted] identity information could not be automatically verified We requested Ms [redacted] to provide copies of her identification documents to verify her identity in order to approve the Card Account On January 5, Ms [redacted] submitted copies of her State Issued ID and a current utility bill We informed Ms [redacted] that a copy of her Social Security Card was still needed A member of our Corporate Response Team attempted to contact Ms [redacted] on January to discuss her Card Account She requested to close her account and have a refund check sent to the address on file We advised the refund will take business days to arrive 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 Team NetSpend A TSYS Company

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 fees when she used itShe’s requesting a full refund for the amount of the card, without the $check processing fee 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 usage are also found on the website, www.netspend.comWe reached out to Ms [redacted] on January 4, by telephone and email We have not had the opportunity to speak with her but will address her concerns when she returns our callIn the meantime, she has been reimbursed the fees that were incurred while using her 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: there statement is falseThey allowed this transaction to go thru on a balance, they canceled my card without my consent, my card they canceled was attached to my ebay accountBy them closing the card it put me in a bad condition and got my account suspended with ebayAnd I lost out on auction items that I won ,thes items can not be replaced Regards, [redacted] ***

Yes thank you for all of your help! Kind Regards, [redacted] ***

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning her tax refund deposit that was sent to an incorrect account number On March 4, 2016, we spoke with Ms [redacted] and addressed his concerns We informed her that an ACH (Automated Clearing House) deposit must have the complete numbers in order to post to her account If the deposit cannot be posted to an account, it is returned to the sender We offered to conference call the IRS so we could obtain a trace number for her deposit It was not an opportune time, so we emailed her our contact information so she could call back We attempted to reach her again on March 9th, but unfortunately, we did not have the opportunity to speak with her We emailed her the contact information for the IRS; [redacted] or their website IRS.GOV The Internal Revenue Service can provide her with the information about her tax refund NetSpend regrets the inconvenience that Ms [redacted] experienced while waiting on her tax refund 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

Complaint: [redacted] I am rejecting this response because: as you can see from the files I have sent with this response, I, in fact, DID do exactly what was asked of me in order to satisfy their concernsIf more proof is needed, I will gladly provide it to you.These images are exactly the files that I sent to netspend to verify my addressThe screenshot is of the email netspend sent me, informing me what would be acceptable forms Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by Cleanthes [redacted] concerning the inconvenience he experienced with the closing of his account and the return of his funds to the Social Security AdministrationOur Risk Management Team regularly monitors account activity in order to provide a safe and secure product for all of our cardholdersOur Risk Management Team identified risk factors that led to the blocking of Mr [redacted] account on February 28, He is no longer eligible for NetSpend services The remaining funds on his account were returned to the US treasury / Social Security Administration (SSA) on March 7th The SSA will determine how to get the funds to Mr [redacted] by other means A member of our Corporate Customer Response Team spoke with Mr [redacted] , and a member of his family on March 17th, and explained the destination of the returned funds NetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the closing of his accountWe have provided him 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:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] states that there are charges for purchases when he uses the NetSpend cardHe wants to get his money off the card and be refunded for feesOn March 10, 2015, Mr [redacted] selected to have his income tax return deposited to the NetSpend cardThe terms of the card are available online for viewing when the selection is made and before the card order is confirmedWe mailed a card to Mr [redacted] and included a hard copy of the card termsHis deposits were posted on March 16th and 30thHe activated his card on May 27thHe was under the Premier Fee Advantage Plan that allows him to use the card for credit and debit transactions for a single monthly fee of $The first assessment of the fee would be a month after the card is activatedHe never paid the monthly feeMr [redacted] removed all of his remaining funds from the card on June 22nd by an over-the-counter transaction at a bankThe fee for this transaction is $2.50, which is not covered under the Premier Fee Advantage PlanNetSpend regrets the inconvenience that Mr [redacted] experienced while using his cardHe has been given my contact information should he have any further 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 us“Faster access to funds” is based on a comparison of our policy of immediate availability versus the typical banking practice of only posting funds after settlementDirect Deposit and earlier availability of funds are subject to a payor’s support of this feature and timing of payor’s fundingWe do not guarantee an exact date on which a cardholder will receive a deposit We attempted to reach Ms [redacted] by phone and email on August and August but unfortunately, were unable to speak with MsLyonsWe mailed her a letter on August outlining our actions to resolve her complaintIt 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] Analyst Netspend, a TSYS Company