Realcor Developments Ltd.

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning a disputes claim that was filed with our companyShe’s requesting to receive a credit to her account immediately because her card was compromised while she was in the hospitalOn December 1, 2015, Ms [redacted] contacted us to report unauthorized charges on her cardAs a protection we blocked that card and ordered a replacement to be deliveredOur customer service representative incorrectly informed Ms [redacted] that she would receive an update for her disputes claim within business daysShe contacted us on the 10th business day, but was advised that it would take an additional business days for an update as a result of her account being newPer Federal Reserve’s Regulation E guidelines, an account that is considered “new” can take up to business day for an initial reviewWe spoke with Ms [redacted] on December 22st and addressed her concernsWe apologized for incorrect information that our customer service representative provided her with, and have taken the appropriate actions to prevent this from occurring in the futureWe have asked Ms [redacted] to submit documentation for her hospital stay, and will provide her with an update on December 29, Additionally, she has 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 deposit he is expecting to post to his Brinks Prepaid MasterCard account On March 7, 2016, we spoke with Mr [redacted] to address the concerns about his direct deposit Unfortunately, it was not an opportune time to discuss the details, so we emailed him our contact information so he could call back Three hours later, the ACH (Automated Clearing House) deposit posted to Mr [redacted] ’ account NetSpend posts the ACH deposits to our cardholder’s account within an hour of receiving the funds from the sender We regret any inconvenience Mr [redacted] experienced while waiting on his deposit to post We have provided him with 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] concerning a NetSpend card that was mailed to his residence. He’s requesting for NetSpend to remove information from the system and not to be contacted again. NetSpend works with third party... marketing partners that provide us with information for consumers who may need a service like our prepaid debit card. We mail those consumers card offers. The card offer is not active and the card cannot be used unless activated. Our activation verifies the identity of each potential cardholder as a part of our Customer Information Program. This ensures that the card can only be used by the intended recipient. During the offer activation, we collect social security number and date of birth to verify identity only. There is no credit check involved because our Prepaid Debit Card is not a credit card. [redacted] has requested that we do not contact him. We have canceled the card offer that was sent and have updated our systems to prevent future card offers from being sent to [redacted] . Additionally, we have submitted a request to our Marketing Department in order to obtain information on how his name and address was obtained. We regret any inconvenience [redacted] experienced as a result of this card offer. Our contact information has been given should the potential cardholder have any additional questions or concerns. Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Friday, January 26, 2018To Whom It May Concern: Thank you for forwarding Mr [redacted] ’s complaint 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 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.In response to this communication, we permanently blocked the card offer on January 26, We have also removed Mr [redacted] ’s name and address from our mailing list and he should not receive any future offers from any NetSpend managed programs Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, [redacted] Netspend, a TSYS Company

Friday, September 25, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] *** Mr [redacted] mentions his new card could not be activated unless he sent documents to verify his information He requests a full refund for his card To help the Federal Government fight against funding terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account or add a secondary cardholder, we will ask for their name, street address, date of birth, and other information that will allow us to reasonably identify them NetSpend is compliant with the laws concerning the prepaid debit cardWe notify the consumer of this information on the outside of our card packaging On September 17, 2015, Mr [redacted] called to activate his NetSpend card The information he provided could not be automatically verified through a third party database Additional information was needed to confirm his identity, which is why documents were requestedThe documents were reviewed and his account was approved the next day Mr [redacted] was able to activate his card and use his funds NetSpend regrets the inconvenience that Mr [redacted] experienced while activating his card We have provided him with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

Tuesday, December 20, 2016To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning her dispute claim. On December 1, 2016, Ms. [redacted] reported unauthorized transactions through our website that posted to her Card Account. We immediately blocked her... Card Account to prevent further unauthorized activity. We promptly opened a dispute claim and began our investigation. We informed Ms. [redacted] of the investigation timeframe afforded under Regulation E. We concluded our investigation on December 15, with no credit being issued to Ms. ***’ Card Account because we did not find an error occurred. Based on our investigation, we have reason to believe that the transactions were authorized and that Ms. [redacted] benefited from the transactions. A letter detailing the results of our investigation was mailed to Ms. ***’ address on file. A member of our Corporate Response Team spoke with Ms. [redacted] on December 19, and discussed the results of her dispute claim. She informed us that she mistakenly disputed two transactions that were authorized by her. We are currently reviewing the claim using the information Ms. [redacted] provided us during the call. The next status update for her claim will be January 13, 2017. 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 the fees associated with her Netspend card. The NetSpend packaging that the card comes with has important information that notifies the consumer of basic fees that are associated with... the card. This information is also available on our website.On March 7th and 8th, 2016, I attempted to contact Ms. [redacted] by phone and email to address her full concerns. At Ms. [redacted] ’s request, we will be mailing her a check for her full balance to her address on file. She should receive this check within 10 business days.NetSpend regrets the inconvenience Ms. [redacted] experienced with the fees charged to her account. We have provided her 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 Kerri [redacted] concerning a replacement card she did not receive before her deposit arrived She’s requesting a card in order to access her funds On January 8, 2016, Ms [redacted] ordered a new NetSpend card while processing her tax refund through Turbo Tax She contacted us to advise that the address needed to be updated on January 26th The address was updated and a new card was ordered in error on her Turbo Tax NetSpend account from the previous year She received that card and activated it on February 1st When her tax refund arrived the following day, she did not have an active card on the new account to access her funds On February 3rd, we transferred a portion of her tax refund to the account on which she had an active card in accordance with the daily transfer limits The same day, a card was also ordered on the newer account that she will receive in – business days We spoke with Ms [redacted] on February 4th to address her concerns We explained the two different accounts and refunded her transfer fee NetSpend regrets any inconvenience that Ms [redacted] experienced with receiving her card to the updated addressShe 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

To Whom It May Concern: Thank you for forwarding Ms***’s additional comments to us If a cardholder fails to bring their Card Account back to a zero or positive balance within hours from the time of the first transaction causing an overdrawn balance greater than $10.00, the cardholder will incur an Overdraft Protection Service Fee for each transaction approved after their Card Account balance was greater than $overdrawn We attempted to reach Ms [redacted] by phone and email on April and April 24, but unfortunately, we were unable to speak with Ms***Her case has been assigned to a Corporate Customer Response Team Analyst, [redacted] [redacted] will attempt to reach Ms [redacted] again on May We have also requested Ms***’s transaction statements to be mailed to her address on file She should receive these within business days Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern [redacted] Customer Experience Analyst Netspend, a TSYS Company

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a block on his account.On February 19, 2016, Mr [redacted] received a merchant refund from [redacted] Service A systemic block was placed on the account because the refund did not correspond with any debits posted by the same merchantWe requested Mr [redacted] to send us a copy of the original purchase receipt of the transaction in order to authenticate the refundOn February 23, Mr [redacted] provided an email he received from the merchant confirming the refund amount, but we were unable to accept it After further review by our Risk Management Team, we removed the block on May We also informed Mr [redacted] of acceptable methods to receive refunds and payroll depositsMr [redacted] has been provided with our contact information should he have any additional questions or concerns.Thank you, [redacted] ***Corporate Customer Response TeamNetSpend A TSYS Company

Friday, September 1, 2017 To Whom It May Concern: Thank you for forwarding Ms [redacted] ’ complaint [redacted] to us. As you requested, we addressed this matter directly with Ms. [redacted] on September 1, 2017 by way of telephone. The email we sent Ms. [redacted] on August 28 and September 1,... outlined our actions to resolve her concerns. 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:They are giving me the same response Regards, [redacted]

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me. Regards, [redacted] Carroll

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] ***Mrs [redacted] states that she never received a NetSpend card and the tax return that was deposited to the card was stolenShe wants to receive her money backOn April 8, 2015, Mrs [redacted] called to report she never received the card we rushed to her addressShe disputed all items that were purchased with that cardSince this was a new account, the disputes claim update would be given in business days, May 6thOn the twentieth business day we closed the disputes claim with no error foundA disputes closure letter was mailed out to Mrs***We have requested that the documents used to arrive at our decision be mailed to herNetSpend regrets the inconvenience that Mrs [redacted] experienced with the reported theft of her moneyWe have provided him 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 Mr [redacted] ’ complaint [redacted] to us On January 23, 2018, our Risk Management department closed Mr [redacted] ’s account because we identified several risk factors associated with his Card Account We are no longer able to offer him Netspend Services and the specific risk factors are not disclosed to consumers for security reasons As you requested, we addressed this matter directly with Mr [redacted] on February 19, by telephoneWe provided him with further insight on the indemnity process Mr [redacted] ’ case has been assigned to a Corporate Customer Response Team Analyst, *** 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 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a card offer she did not request.NetSpend works with third party marketing partners that provide us with information for consumers who may need a service like our prepaid debit cardWe mail those consumers card offersThe card offer is not active and the card cannot be used unless activatedOur activation verifies the identity of each potential cardholder as a part of our Customer Information ProgramThis ensures that the card can only be used by the intended recipientDuring the offer activation, we collect social security number and date of birth to verify identity onlyThere is no credit check involved because our Prepaid Debit Card is not a credit cardUpon receipt of her complaint, we reached out to Ms [redacted] to address her concerns in receiving our card offer We informed her that we canceled the card offer that was sent and have updated our systems to prevent future card offers from being mailed to her address We 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

Complaint: [redacted] (Date of this response July 28, 2015) I am rejecting this response because:First of all, please ask this company to quit putting my NAME in the text on their responses I again received a PHONE CALL from them on July 23, I did NOT answer it, but saved the recording I have repeatedly said I will NOT accept phone call explanations I told them I want this in writing on the Revdex.com record They still are not getting the point that I want to know WHO is giving THEM my SS and DOB infoI don't consider...some third party supplied the information of MY SS #, etc...an acceptable answer I want to know what third party is supply my confidential information to themThis is my attempted recap of what was on the recording...Yes, Hi Ms My name is *** I’m calling with our corporate officeI am actually on the same team as Mr [redacted] that you spoke with on the phone regarding the pre-paid card source that you received, that you were concerned about understandablyThe information that we were given is based on the agreement with some of the third party vendors that we have Confidentiality (somewhat inaudible) reasons actually were unable to give us the URL website source I can confirm that it came from the IP [redacted] The O(somewhat inaudible) date was July 3rd of this year and it was unsolicitedI can certainly also confirm with you, as he is sure Billy did, that the card cannot simply just be activated because you use it Being a financial institution, we are certainly required to verify every card holder’s identitySo, we wouldn’t be able to do that without having the full SS # and date of birth, to match with your name and address, which can only be given by you in order to activate it So there is definitely a level of security that has to be passed before it can even be activatedWe definitely apologize for the inconvenience If you do have further questions, please let us know And of course, my contact number is [redacted] Once again we do apologize for the inconvenience.Thank you

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thanks for everything and this matter Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: [redacted] has my phone numberHe refuses to dial it completely.He has refused to privately respond to my inquiry for information regarding an alleged account from either of two dates, or 2012, which he keeps flip-flopping on None of the information requested is allowed to be contained in any public Revdex.com file- [redacted] Regards, [redacted]

To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning the Refer-A-Friend promotion associated with his Netspend Prepaid Debit Card Account On March 21, 2017, Mr [redacted] contacted our Customer Service because he was referred by a friend to apply for a Netspend Prepaid Card Account in order to receive the Refer-A-Friend offer We informed Mr [redacted] that our records show his card account was funded by an instant bank transfer and did not qualify for the bonus A member from our Corporate Office reached out to Mr [redacted] on April We apologized for the inconvenience and, as a courtesy, issued a credit to Mr [redacted] card account for the Refer –A- Friend offer We requested further information about the friend he was referred by via email We have provided Mr [redacted] with our direct contact information should he have any additional questions concerning this matter Thank you, [redacted] Customer Experience Specialist Netspend, a TSYS Company