Realcor Developments Ltd.

Monday, August 14, To Whom It May Concern: Thank you for forwarding Ms [redacted] complaint # [redacted] to usAs you requested, we addressed this matter directly with Ms [redacted] by telephone on August 11, We emailed Ms [redacted] with the details of actions taken on her account to resolve her concerns on August and Thank 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 her son’s card.We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with usThe requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification.On February 27, 2016, Ms [redacted] ’s son was given a Netspend card that was mistaken as a gift cardDue to Ms [redacted] ’s son being a minor, she contacted our Customer Service Department to see what options were available to help her son retrieve his fundsMs [redacted] opted to have the card set to our “Limited Use’ optionThe ‘Limited Use’ option allows the card to be used for in-store purchases only, online or over-the-phone transactions are not permitted Once the card balance is dispensed, the card can be destroyed because it cannot be reloaded We spoke to Ms [redacted] on June to discuss her son’s card We explained why the account was assessed an account maintenance fee and refunded it back as a courtesy On June 24, Ms [redacted] requested the account to be closed and to receive a refund check for the account balance Ms [redacted] should receive this check within business days to her address on file 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 access to her account balanceWe appreciate the additional comments Ms [redacted] has provided We assisted her with transferring funds to her new NetSpend account on September 22, On September 24, Ms [redacted] received her replacement card and was able to successfully activate it and access her remaining balance 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 the inconvenience he experienced with fees on his NetSpend card The NetSpend card is sold at thousands of distributors throughout the United States Our packaging displays helpful information about using the prepaid debit card, including the fees charged when completing transactions We also provide a website, [redacted] , for our cardholders to view account history and all the available features for the card On April 4, 2016, we spoke with Mr [redacted] and explained the transaction fees when using his card He informed us that the store who sold him the card did not provide him with the package or the card terms As a courtesy, we refunded the transaction fees to his card balance We have reached out to the specific distributor who sold Mr [redacted] his cards to ensure they provide all customers with the material that comes with our product We regret the inconvenience that Mr [redacted] experienced while using his card 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

Tuesday, June 7, To Whom It May Concern: We received complaint # [redacted] filed with your office by [redacted] concerning his dispute claim On May 18, 2016, Mr [redacted] contacted us to dispute an unauthorized transaction that posted to his account We immediately blocked his card to prevent any additional unauthorized use We promptly opened a dispute claim and began our investigation On June 2, we concluded our investigation with no credit being issued to Mr [redacted] account because we were unable to determine an error occurred We have reason to believe that the transactions were authorized and that Mr [redacted] benefited from them Upon receipt of his complaint, we spoke with Mr [redacted] on June to discuss the outcome of his dispute A letter detailing Mr [redacted] dispute investigation was mailed to his address on file We understand how frustrating it can be to experience unauthorized charges on an account and we appreciate Mr [redacted] patience as we attempted to get his money returned We have provided Mr [redacted] with our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response Team NetSpend A TSYS Company

Thursday, December 24, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] with her concern of having to provide identity documents to activate her NetSpend card. She’s requesting access to her funds. The USA 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. When our cardholders open a card account, 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 card. On December 23, 2015 I spoke with Ms. [redacted] to assist her with activating her card. When I pulled the card information up in our system, it indicated that the card was not scanned at the point of sale. As a result, no information was associated with the card. While Ms. [redacted] was on the phone, we conferenced the [redacted] ***e manager [redacted] on the line. [redacted] advised Ms. [redacted] to provide her original receipt to the store, so that she can be further assisted. NetSpend regrets the inconvenience that Ms. [redacted] experienced while attempting to activate her card. Should she have any additional questions or concerns, she can contact us at [redacted] 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] . Mr. [redacted] states that his deposit did not post on July 22nd and he was unable to get assistance from NetSpend. He wants his direct deposit to post to his account. On August 3, 2015, we contacted... Mr. [redacted] concerning his direct deposit. He confirmed that the deposit posted to his account on July 29th. Due to a technical issue, Mr. [redacted] ’s deposit was not located until July 29th. Once his funds were found, they were made available on his account within an hour. We are currently working on implementing an automated monitoring and alert system to ensure issues like this do not occur in the future. NetSpend regrets the inconvenience that Mr. [redacted] experienced while waiting on the direct deposit to post. We will work with him to compensate any late fees that were incurred due to our error. We have provided our contact information should he 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] DailyMr [redacted] states that his card was blocked and he has taken all steps to have it unblockedHe wants the card unblocked, or cancelled, so we can send him the remaining fundsOn June 19, 2015, Mr Daily’s NetSpend card received a credit from Target in the amount of $The system blocked the account because there was no corresponding debit for that amount from that specific merchantOur Risk Department requested a copy of the original receipt for reviewThe merchant could also reverse the credit and we would remove the account blockThe documents he sent were unacceptable to remove the blockWe have contacted the Asset Protection Manager of Target regarding the credit to MrDaily’s cardThey will contact us after they validate the creditWe will update Mr [redacted] once we determine if the credit goes back to the merchant or himNetSpend regrets the inconvenience that Mr [redacted] experienced as a result of the excessive refund to 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:We received complaint # [redacted] filed with your office by [redacted] ***- [redacted] concerning her disputes claim.On April 29, 2016, Ms***- [redacted] contacted us to dispute several unauthorized transactions that posted to her account A dispute claim was opened and we promptly began our investigationWe also blocked her card to prevent further unauthorized activityWe concluded our investigation of her claim on May 11, with no credit being issued to her account because we did not receive her letter of disputeUpon receipt of her complaint, we reached out to Ms***- [redacted] to discuss her claimShe provided her letter of dispute and other helpful information to assist with her claim On May 20, we credited her account for the transactions in question.We understand how frustrating it can be to experience unauthorized transactions on your accountNetSpend is very committed to providing a safe and secure product.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

Complaint: [redacted] I am rejecting this response because: I asked to be contacted by the CEO of the companyI’ve called and emailed a number of times about this matter and have yet to be put in contact with who I asked to speak toI do not feel that this matter was handled correctly in any way Regards, [redacted]

To Whom It May Concern: Thank you for forwarding Mr [redacted] complaint to usAs you requested, we addressed this matter directly with Mr [redacted] on February 20, by way of telephone, e-mail, or letterIf a letter has been sent, it 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 concernThank you, [redacted] Customer Experience Analyst Netspend, a TSYS Company

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]

To Whom It May Concern: Thank you for forwarding Ms [redacted] ’s complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on November 13, by way of telephone, e-mail, or letterIf a letter has been sent, it 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] Customer Experience AnalystNetspend, a TSYS Company

Complaint: [redacted] I am rejecting this response because: I WAS NEVER INFORMED NOR SENT THE CORRECT NOTIFICATIONS I WAS SUPPOSED TO RECEIVED IF IT WAS ME USING THE CARDI WAS NOT NOTIFIED VIA NETSPENDS TEXT ALERTS, EMAILS, NOR WHEN I CALLED COULD THEY VERIFY ANY WERE SENTAGAIN WHEN I NOTICED MY ACCOUNT WAS HACKED OR WHATEVER THEY WANT TO CALL IT WAS WHEN I CHECKED MY ACCOUNT TO HAVE MY TAX MONEY SENT OVER AS WELL TO FIND ALL MY MONEY I SAVED WAS GONE Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:This is my response to the response provided by NetSpend regarding my complaint.I spoke with Mr [redacted] vis telephone and we were not able to come to an agreementMy position is that the product is marketed in such a way as to be deceptive, albeit legal The product is sold alongside all the other prepaid Visa/Master Cards in the storeThe large print on the packing states it’s easy to use, no credit check , no surprisesNetSpend relies on the small print that states this is not a gift card and wouldn’t mean much to the average consumerIt looks like a gift card, is sold next to all the other cards and the big print looks the samePre-paid debit and gift cards appear to be the sameI went online to activate and the information provided there still was not enoughAfter giving the information I was then required to call in and give more information to their employeeNetspend had $of my money and the only way I could access it was to provide them my personal information (Social Security Number, Date of Birth, Address, Place of employment, email, phone number) I tried to return the card to the store where it was purchased but was unable to do so as the money had already been transferred to NetSpend My only option was to provide the informationEven after doing so the card was not accepted by two different sites- one a utility, another an online vendorMy solution was to take the card back to the original store and purchase a true gift-card that allowed me to immediately access the funds What I would like to see happen is the marketing of this product changedIt shouldn’t be sold with gift cards, the small print should be more visibleWhile they seem to meet legal standards, I believe that they work to the absolute minimum legal standard and not the spirit of full disclosure to the consumer Regards, [redacted]

Friday, September 18, 2015To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] Mr [redacted] mentions that he could not activate his NetSpend account without providing copies of identifying information, nor could he get a refund from the store where he purchased the card He requests a full refund for the card purchase 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, 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 cardThis information is displayed on the outside of our card packaging On September 18, 2015, we spoke with Mr [redacted] concerning the card he purchased for his mother We explained that our Customer Identification Program could not verify the combination of two people’s information entered over the telephone After explaining his options, he requested to have a refund check sent to him We will mail out his check by September 23rd NetSpend regrets the inconvenience that Mr [redacted] experienced while attempting to activate his card We have provided him our contact information should he have any additional questions or concerns Thank you, [redacted] Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received additional comments on complaint # filed with your office by [redacted] concerning a refund check for her card balance that she has not received She’s requesting her funds in a timely mannerOn February 25, 2015, we spoke with Ms [redacted] She informed us that she received the second check on February 20th NetSpend regrets the inconvenience that Ms [redacted] experienced while waiting on her refund check 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

To Whom It May Concern:We received complaint # [redacted] filed with your office by [redacted] concerning a refund check that she’s attempting to obtain from NetSpend on behalf of her minor sister. She’s requesting the refund check to be sent in her name. 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 account. When our cardholders open a card account or add a secondary cardholder, we will ask for their name, physical 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 card. We notify the consumer of this information on the outside of our card packaging, including the criteria that the person activating must be at least 18 years of age. On July 30, 2015 a caller provided the required identity information in attempt to activate the new prepaid debit card. Our system needed additional identity information to approve the account, which is why identity documents were requested from Ms. [redacted] when she contacted our customer service. Ms. [redacted] declined to send the required identity documents, and requested to have a check sent for the funds deposited to the card. A check was mailed to the address on file on August 6th. That check was returned to NetSpend on August 24th, with a request to change the last name to Ms. [redacted] ’. We mailed a template to her that same day with the requirements to change the name on the account. We reached out to Ms. [redacted] by telephone and email on October 28th. Unfortunately we have yet to speak with her, but once she returns our call and provides the required information, we will be able to further assist with her request. NetSpend regrets the inconvenience that Ms. [redacted] is experiencing with getting the refund check changed to her name. 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: Thank you for forwarding Ms [redacted] complaint to usAs you requested, we addressed this matter directly with Ms [redacted] on May 4, 2017, by way of telephone, e-mail, or letterIf a letter has been sent, it should be received within the next five business days 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 Analyst Netspend, a TSYS Company

To Whom It May Concern: Thank you for forwarding Ms [redacted] ’s additional comments to us As you requested, we addressed this matter directly with Ms [redacted] on November 3, by way of telephone, e-mail, or letter We mailed her a letter on November 3, outlining our actions to resolve her complaintIt should be received within the next five business days Ms [redacted] ’s case has been assigned to Corporate Response Team Analyst, *** Should Ms [redacted] contact our Customer Service Department, we have left notes on her account for her to be connected with [redacted] to further assist her with this matter Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concern Thank you, [redacted] * [redacted] Customer Experience Specialist Netspend, a TSYS Company