This document outlines the terms and conditions for the AchieveCard Prepaid MasterCard. Key details include: - The card can be used to make purchases, get cash from ATMs, and receive direct deposits up to daily and monthly spending limits. - Fees include a monthly maintenance fee deducted if the balance is insufficient to cover it, which can result in a negative balance. - Personal information is required to activate the card and verify identity under anti-money laundering laws. Transactions can be declined if the balance is too low.

1. The AchieveCard Prepaid MasterCard® is issued by First California Bank.
CARDHOLDER AGREEMENT
Terms and Conditions/Definitions for the AchieveCard Prepaid MasterCard® card
This Cardholder Agreement is effective as of March 9th, 2013 and replaces and supersedes any previous Cardholder
Agreement for this Card.
This Cardholder Agreement ("Agreement") outlines the terms and conditions under which the AchieveCard Prepaid MasterCard has
been issued to you. By activating and using the Card, you agree to be bound by the terms and conditions contained in this
Agreement. “Card” means the AchieveCard Prepaid MasterCard issued to you by First California Bank, Rancho Mirage, California.
"Issuer" means First California Bank or its depository institution affiliate. Issuer is a bank chartered under the laws of the State of
California and a member of the Federal Deposit Insurance Corporation (“FDIC”). "Card Account" means the records we maintain to
account for the value of claims associated with the Card. "You" and "your" means the person (“Cardholder”) who has received the
Card and is authorized by the Issuer to use the Card as provided for in this Agreement. "We," "us," and "our" mean the Issuer, our
successors, affiliates or assignees. You acknowledge and agree that the value available in your Card Account is limited to the funds
that you have loaded to your Card Account or have been loaded to your Card Account on your behalf. All funds in your Card
Account are insured by the FDIC in accordance with the FDIC’s applicable terms and conditions. You agree to sign the back of the
Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. The Card is a prepaid
card. The Card is not connected in any way to any other account. The Card is not for resale. You will not receive any interest on
your funds in your Card Account. The Card is and will at all times remain the property of the Issuer and must be surrendered upon
demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to
applicable law. The Card is not designed for business use, and we may close your Card if we determine that it is being used for
business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement.
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in
this Agreement are calendar days unless indicated otherwise.
Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in
case your Card is lost, stolen, or destroyed. Please read this Agreement carefully and keep it for future reference. All dollar
amounts stated herein are in U.S. Dollars (“dollars”) unless expressly stated otherwise.
Receipt of Card
You may have received this Card as part of an unsolicited offer from us or one of our marketing or service providers, by completing
a request to receive a Card online, or through an invitation to receive a Card from us or from one of our marketing or service
providers. You may have also received this Card as a replacement to an expired Card or at your request as a replacement for a lost
or stolen Card.
If you have any questions or concerns as to why you received this Card, or to opt-out of receiving a Card or any future offers from
us, please call us at 1-800-206-2956. You may be asked to enter your Card number. By providing your Card number during the
opt-out process, you are not activating the Card or providing us with any information that will be used for any purpose other than to
remove you from our mailing list. If you do not wish to activate or retain this Card, please destroy and dispose of the Card
immediately by cutting it in half.
This Card is a prepaid card, not a credit card. The Card is not active and there is no value on the Card until or unless you load
funds to the Card Account or until or unless funds are loaded to the Card Account on your behalf. No credit information was pulled
or accessed from any credit bureau or credit reporting agency in connection with your receipt of this Card. For your safety and the
safety of your personal information, we only collect personal information to identify you if you choose to activate the Card in
compliance with applicable law (please refer to the section of this Agreement titled “Activating Your Card” for more information).

2. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT
Activating Your Card
You must activate your Card before it can be used. You may activate your Card by calling 1-800-206-2956 or by
visitingwww.achievecard.com. You will need to provide personal information in order to verify your identity. The Bank Secrecy Act,
as amended by 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. What this means for you: When you activate a Card Account, we will ask for your
name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver's
license or other identifying documents at any time. Please refer to the section of this Agreement titled “First California Bank Privacy
Policy” for information regarding how we may use information that we collect from you.
Your Representations and Warranties
By activating the Card or by retaining, using, or authorizing the use of the Card, you represent and warrant to us that: (i) you are at
least 18 years of age (or 19 if you reside in a state where the age of majority is 19); (ii) you are a U.S. citizen or legal alien residing
in one of the 50 states, the District of Columbia or Puerto Rico; (iii) you have provided us with a verifiable U.S. street mailing
address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct, and
complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the
Card.
Personal Identification Number
You will be assigned a Personal Identification Number ("PIN") when you activate your Card Account, which you can change by
calling1-800-486-0273. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering
your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or
suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the
procedures in thesection of this Agreement titled “Your Responsibility and Liability for Unauthorized Transactions".
Authorized Users
You are responsible for all authorized transactions initiated and fees incurred by use of your Card. If you permit another person to
have access to and use your Card, Card number, or PIN, we will treat such permission as if you have authorized such use and you
will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of your Card and the
security of your PIN according to the terms and conditions of this Agreement.
Secondary Cardholder
You may not request an additional Card for another person.
IMPORTANT INFORMATION ABOUT LOADING YOUR CARD, ACCESSING YOUR CASH AND USING YOUR CARD
Loading Your Card

3. You may add funds to your Card, called "value loading", at any time subject to the following limitations. When using direct deposit to
initially fund your Card, the minimum amount and maximum amount of each initial value load is $0.01 and $10,000,
respectively. When using direct deposit to add value to your Card, the minimum amount and maximum amount of each value reload
is $0.01 and $10,000, respectively. When using direct deposit, the maximum number of times you may load your card per month is
twenty (20) and the sum of all your loads in a given month may not exceed $15,000 per month.
The maximum balance in your Card Account cannot exceed ten thousand dollars ($10,000.00) at any point in time. Any load may
be rejected in whole or in part at any time at our discretion if the amount of such load may cause the maximum balance in your Card
Account to exceed ten thousand dollars ($10,000.00) at any point in time. You will typically have access to funds loaded to your
Card Account via direct deposit on the same day received by us which is the effective date for such direct deposit. You should check
with your payroll or benefits provider to determine the effective date for any direct deposit you have instructed your payroll or
benefits provider to load to your Card.
We may increase or decrease these limits from time to time in our sole discretion. We reserve the right to accept or reject any
request to reload value to the Card at our sole discretion. The Card may only be reloaded by the Cardholder. You may load your
Card with cash via a GreenDot® MoneyPak®. For details on how to load your Card, how much you can load to your Card, and the
limits on how much you can load to your Card using the GreenDot®
MoneyPak®
, please see the back of your
GreenDot®
MoneyPak®.
You will typically have access to funds you load to your Card Account via cash within one (1) hour of such
load.
Presenting personal checks, cashier’s checks, and money orders to the Issuer are not an acceptable form of loading. All checks
and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative
balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer.
Direct Deposit Account
To initiate direct deposits to your Card Account, you may use the direct deposit form available at www.achievecard.com or that was
included in the AchieveCard package mailed to you. Your employer may also have a form you can use. The bank routing number
and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not
authorized to provide your bank routing number and direct deposit account number to anyone other than your employer, benefits
provider or payer and merchants to whom you have preauthorized for direct debits. If you have arranged to have direct deposits
made to your account at least once every 60 days from the same person or company, the person or company making the deposit
may tell you every time they send us the money. You may also call us at 1-800-486-0273 to find out whether or not your direct
deposit has been made.
Preauthorized Transfers and Stop Payment
Your prepaid Card Account and associated direct deposit account number can be used for preauthorized direct debits from
merchants or from utility or Internet service providers. If presented for payment, these preauthorized direct debits will be processed
and your payment to the merchant or provider will be processed. If you have told us in advance to make regular payments out of
your account, you can stop any of these payments if you follow these steps.

4. Call us at 1-800-486-0273 or write us at AchieveCard Prepaid MasterCard; Attn: Disputes Department; PMB 296 P.O. Box 200255;
Austin, Texas 78720 in time for us to receive your request three (3) business days or more before the payment is scheduled to be
made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If these
regular payments vary in amount, the person you are going to pay should tell you ten (10) days before each payment, when it will be
made and how much it will be. If you notify us to stop one of these payments three (3) business days or more before the transfer is
scheduled, and we do not do so, we will be liable for your losses or damages.
Using Your Card/Features
The maximum amount that can be spent on your Card per day is two thousand, five hundred dollars ($2,500.00). The maximum
value of your Card is restricted to ten thousand dollars ($10,000.00).
You are permitted to conduct up to twenty-five (25) point-of-sale (“POS”) purchase transactions per day. The maximum POS
purchase amount is two thousand, five hundred dollars ($2,500.00) per transaction, up to a maximum of two thousand, five hundred
dollars ($2,500.00) per day.
You may use your Card everywhere MasterCard debit cards are accepted to purchase or lease goods or services, obtain balances,
or withdraw cash wherever MasterCard®, Maestro®, Cirrus® , NYCE®, STAR®, or Allpoint® debit cards are accepted as long as
you do not exceed the value available in your Card Account. Some merchants do not allow Cardholders to conduct split transactions
where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of
legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to debit only
the exact amount of funds available in your Card Account from the Card Account. You must then arrange to pay the difference using
another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the
merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.
If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up
to one hundred and twenty-five dollars ($125.00) or more. If your Card is declined, even though you have sufficient funds available,
we recommend you pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental
purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to
twenty percent (20%) or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any
preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your
purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take several
days for the hold to be removed, depending upon the merchant and type of transaction involved. During the hold period, you will not
have access to the preauthorized amount.
If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal
effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you
can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling, or any illegal
transaction.

5. Each time you use your Card, you authorize us to reduce your Available Balance by the amount of the transaction and any
applicable fees. You cannot use the Card, either in a single transaction or a series of transactions, if the amount of the transaction(s)
exceed(s) your Available Balance. Nevertheless, if the amount of a transaction exceeds your Available Balance, you shall remain
fully liable to us for the amount of the transaction and any applicable fees.
You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize
a transaction from your Card Account and then fail to make the purchase or payment of the item as planned, the approval may result
in a hold for that amount of funds for up to thirty (30) days. Certain transactions including, but not limited to all transactions relating
to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
Receipts
You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your
transactions and receipts.
Cash Access
With your PIN, you may use your Card to obtain cash from any Automated Teller Machine ("ATM") or POS device, as permissible by
a merchant, that bears the MasterCard®, Cirrus®, Maestro®, NYCE®, STAR® or Allpoint® Acceptance Mark. All ATM transactions
are treated as cash withdrawal transactions. You are permitted up to eight (8) ATM withdrawals per day. The maximum withdrawal
amount is three hundred dollars ($300.00), up to a maximum withdrawal amount of six hundred dollars ($600.00) per day. The
maximum withdrawal amount for international ATM transactions is three hundred dollars ($300.00), up to a maximum withdrawal
amount of three hundred dollars ($300.00) per day.
Any funds withdrawn from a POS device or through a participating bank (over the counter withdrawal) per day will be subtracted
from the available balance of your Card Account. . Any funds withdrawn from a POS device will be subject to the maximum amount
that can be spent on your Card Account per day and subject to the available balance in your Card Account.
IMPORTANT INFORMATION ABOUT FEES CHARGED TO YOUR CARD ACCOUNT
All fees assessed by us are deducted from your Card Account available balance. If your available balance is insufficient to
cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be declined. Furthermore, if
your available balance is insufficient to cover the Monthly Maintenance Fee assessed, your card account will be drawn
negative for any portion of the Monthly Maintenance Fee that is not covered by your available balance. Please be aware
that when you reload your Card, your available balance will first be applied to cover the portion of the Monthly
Maintenance Fee that drew your balance negative before any transaction activity is processed to your Card Account. We
will close your Card Account no later than 90 days, if it continuously maintains a negative balance from the date of the first
negative balance drawn. We reserve the right to offset any negative balance by any current or future funds you may load
to or maintain in your Card Account or any other Card or Card Account you maintain with us now or in the future.

8. You may switch fee plans at any time by calling 1-800-486-0273. When you first activate your Card, you are automatically enrolled
in the Gold Plan unless you choose the Platinum Plan or Silver Plan. If you choose to switch fee plans, your new fee plan will
become effective on the first day of your next billing cycle. Your billing cycle is defined as every 30 days from date on which you first
loaded funds to your Card. You may have to wait up to 30 days for the new fee plan to take effect. In addition, switching to a new fee
plan may result in an increase in fees.
AchieveCard services included with your Monthly Maintenance Fee: Card Activation, Direct Deposit, Automated Phone System
Inquiry, Live U.S Based Customer Support, Online Account Statement, AchieveCard to AchieveCard funds transfer, Bill Pay Service
- Electronic Payment or Physical Check (initiated through your AchieveCard online account on www.achievecard.com), and SMS
Alerts*
*Standard text messaging rates from your service provider may apply.
NOTE: If you use an ATM that does not have the Allpoint®
Surcharge Acceptance Mark for any transaction, including a
balance inquiry, you may be charged a fee by the ATM owner or operator in addition to our fee(s) stated above even if you
do not complete a withdrawal. This ATM fee is a third party fee assessed by such individual ATM owner or operator and is
not assessed by us. Such third party ATM fee will be charged to your Card Account in addition to any fee(s) stated above.
Non-MasterCard Debit Transactions
New procedures are in effect that may impact you when you use your Card at certain merchant locations. In the past, transactions
have been processed as MasterCard debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may
be processed as either a MasterCard® debit transaction or as a STAR® or NYCE® transaction.
Merchants are responsible for and must provide you with a clear method of choosing to make a MasterCard debit transaction if they
support the option. Please be advised that should you choose to use the STAR® or NYCE® network when making a transaction
without a PIN, different terms may apply. Certain protections and rights applicable only to MasterCard debit transactions as
described in this Agreement will not apply to transactions processed on the STAR® or NYCE® network. Please refer to the section
of this Agreement titled "Your Liability for Unauthorized Transactions" for a description of these rights and protections applicable to
MasterCard debit and non-MasterCard debit transactions.
To initiate a MasterCard debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your
Card number for a mail order, telephone, or Internet purchase. To initiate a non-MasterCard debit transaction at the POS, enter your
PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non-
MasterCard debit transaction for certain bill payment, mail order, telephone, or Internet purchases.
Charges Made in Foreign Currencies
If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount
deducted from your Card Account will be converted by MasterCard International, Incorporated into an amount in the currency of your
Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is
a rate selected by MasterCard International, Incorporated from the range of rates available in wholesale currency markets for the
applicable central processing date, which may vary from the rate MasterCard International, Incorporated itself receives, or the
government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a

9. currency other than the currency in which your Card was issued, MasterCard International, Incorporated may assess a foreign
currency conversion fee of 2.95% of the transaction amount and will retain this amount as compensation for its
services.Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even
if they are completed in U.S. currency.
Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card
Account for such refunds and agree to the refund policy of that merchant. The Issuer is not responsible for the delivery, quality,
safety, legality or any other aspects of goods or services that you purchase from others with a Card. All such disputes must be
addressed and handled directly with the merchant from whom those goods or services were provided.
Card Replacement
If you need to replace your Card for any reason, please contact us at 1-800-486-0273 to request a replacement Card. You will be
required to provide personal information which may include your Card number, full name and transaction history and copies of
accepted identification. There is a fee for replacing your Card, see the “Fee Schedule” for details.
Card Account Balance/Periodic Statements and Account Information
You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine
your available balance. It is important you know your available balance before initiating any transaction. You may access your
available balance by accessing your Card Account online or by calling 1-800-486-0273. This information, along with a sixty (60) day
history of Card Account transactions, is also available online at www.achievecard.com. You also have a right to obtain a sixty (60)
day written history of Card Account transactions by calling 1-800-486-0273 or by requesting this information in writing at
AchieveCard Prepaid MasterCard, PMB 296, P.O. Box 200255, Austin, TX 78720. You will not automatically receive paper
statements. Statements in electronic format will be made available at www.achievecard.com during each month in which a
transaction occurs. You will not automatically receive paper statements. You may choose to have a paper statement mailed to you
by contacting us each time at 1-800-486-0273 or by registering online for paper statements at www.achievecard.com. Please be
aware that there is a fee that will be assessed to your Card Account for each paper statement that you request. See the “Fee
Schedule” for details.
IMPORTANT INFORMATION REGARDING YOUR RIGHTS AND RESPONSIBILITIES
Confidentiality
We may disclose information to third parties about your Card or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of your Card for a third party, such as a merchant;
(3) In order to comply with government agency, court order, or other legal reporting requirements;
(4) If you consent by giving us your written permission; (5) To our employees, auditors, affiliates, service providers, or attorneys as
needed; or
(6) Otherwise as necessary to fulfill our obligations under this Agreement.

10. Our Liability for Failure to Complete Transactions
If we do not properly complete a transaction initiated using your Card on time or in the correct amount according to our Agreement
with you, we will be liable for your losses or damages: however, there are some exceptions. We will not be liable, for instance:
(1) If through no fault of ours, you do not have enough funds available in your Card Account to complete the transaction;
(2) If a merchant refuses to accept your Card;
(3) If an ATM where you are making a cash withdrawal does not have enough cash;
(4) If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when
you initiated the transaction;
(5) If access to your Card Account has been blocked after you reported your Card lost or stolen;
(6) If there is a hold on your funds or your funds in your Card Account are subject to legal process or other encumbrance restricting
their use;
(7) If we have reason to believe the requested transaction is unauthorized;
(8) If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the
transaction, despite reasonable precautions that we have taken; or
(9) Any other exception stated in our Agreement with you excludes us from such liability.
Your Responsibility and Liability for Unauthorized Transfers
Contact us immediately at 1- 800 486-0273 if you believe your Card was lost or stolen. Telephoning is the best way to minimize your
possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer funds from your
Card Account without your permission, you could lose all the money in your Card Account. If you notify us within two (2) business
days after your learn of the loss or theft of your Card, you can lose no more than $50.00 if someone used your Card without your
permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove
that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose
as much as $500.00.
Also, if your statement shows transactions that you did not make, including those made by Card, code or other means, notify us at
once. If you do not notify us in writing within sixty (60) days from the earlier of the date you electronically access your Card Account,
provided that the electronic history reflects the transfer, or the date we sent the FIRST written history of your Card Account
transactions at your request, then you may not get back any money you lost after the 60 days if we can prove that we could have
stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card has
been lost or stolen, we will close your Card Account to keep losses down.
MasterCard’s Zero Liability Policy – General Guidelines. Under MasterCard International, Incorporated Operating Regulations, your
liability (“MasterCard’s Zero Liability Policy”) for losses due to unauthorized non-PIN based MasterCard debit transactions on your
Card Account is zero dollars ($0.00) as long as you report the loss to us by calling the number stated above within two (2) business
days of the earlier of (i) the loss or theft of your Card or (ii) the unauthorized transaction(s) and you were not negligent or fraudulent
in the handling of your Card. If you do not report such losses due to such unauthorized non-PIN based MasterCard debit
transactions within the timeframe stated above, your liability for such losses will not be limited by and such losses will not qualify for
the MasterCard Zero Liability Policy. If a loss qualifies for handling under the MasterCard Zero Liability Policy, we will issue a
provisional credit to your Card Account within five (5) business days (instead of the standard ten (10) business days as described
earlier) of the later of (i) the date on which you reported the loss to us, or if we requested you to submit your report in writing or

11. requested additional information, (ii) the date on which we actually received such written report or additional information. All other
terms, conditions, limitations, etc. previously discussed shall apply. The MasterCard Zero Liability Policy does not apply to any
transaction (i) performed using a PIN; (ii) performed at an automated teller machine; (iii) conducted with a non-MasterCard
branded card; (iv) not processed by or through MasterCard, the MasterCard network, or any MasterCard affiliate or
subsidiary; or (v) any transaction that exceeds the limits or limitations for transactions as stated in the section of this
Agreement titled “Limitations on Use”. The MasterCard Zero Liability Policy also does not apply if you have reported two
(2) or more unauthorized transactions as part of any single Notice or multiple Notices within the past twelve (12) months.
Information About Your Rights to Dispute Errors
In case of errors or questions about your electronic transactions, call 1-800-486-0273 or write to AchieveCard Prepaid MasterCard;
Attn: Disputes Department; PMB 296 P.O. Box 200255; Austin, Texas 78720 if you think your statement or receipt is wrong or if you
need more information about a transaction listed on the statement or receipt. We must allow you to report an error until sixty (60)
days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history,
or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at
any time by calling us at 1-800-486-0273 or writing us at AchieveCard Prepaid MasterCard; Attn: Disputes Department; PMB 296
P.O. Box 200255; Austin, Texas 78720. You will need to tell us:
1. Your name and Card Account number
2. Why you believe there is an error, and the dollar amount involved
3. Approximately when the error took place
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business
days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we
decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the
use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing
and you do not provide it within ten (10) business days, we may not credit your Card.
For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate
your complaint or question.
If a loss qualifies for handling under the MasterCard Zero Liability Policy, we will issue a provisional credit to your Card Account
within five (5) business days of the later of (i) the date on which you reported the loss to us, or if we requested you to submit your
report in writing or requested additional information, (ii) the date on which we actually received such written report or additional
information. All other terms, conditions, limitations, etc. previously discussed shall apply.

12. We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we
will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the
phone number or address listed at the beginning of this section. If you need more information about our error-resolution
procedures, call us at 1-800-486-0273 or notify us at www.achievecard.com.
No Warranty Regarding Goods and Services
We are not responsible for the delivery, quality, safety, legality, or any other aspect of the goods and services purchased from
merchants with the Card. All disputes concerning those matters should be addressed to the merchants from whom the goods and
services were purchased.
Short Message Service Text Message ("SMS"), E-mail, Mail, Telephone Calls and Prerecorded Telephone Calls (each
individually, a "Notification" and collectively, "Notifications")
We would like to send you Notifications about your Card Account and other matters of interest to you as a Cardholder. By activating
your Card and giving us your phone numbers and email address, you agree to receive telephone calls and emails from us regarding
your Card Account and additional products and services offered to you. When you activate your Card, we will ask if you will opt in
and agree to receive Notifications from us by pre-recorded telephone calls and SMS text messages regarding your Card Account. In
order to receive SMS text messages, you must have text messaging enabled on your mobile phone and must subscribe to a
participating cellular telephone carrier. Although we send such Notifications to you without charging you, standard cellular telephone
carrier messaging and data fees may apply. Check with your cellular telephone carrier for more details.
You may advise us that you wish to stop receiving ("opt-out" of) SMS Notifications by texting the word "STOP" to the short code
used for the program. You may also opt-out of any Notification method at any time by calling 800-486-0273 or by e-
mailinghelp@achievecard.com (except as explained below). If you choose to later opt out of receiving Notifications by SMS texts or
commercial emails from us, you may receive a confirmation notice confirming your decision to opt-out. You agree that we may send
you such confirmations. You also acknowledge that we may send you emails or call you regarding your account, even if you have
put your number on a Do Not Call list or have opted out of receiving general commercial email from us. You agree that we shall not
be liable for incomplete, lost, late, damaged, illegible, or misdirected Notifications or for any technical problems, malfunctions of any
telephone lines, computer systems, servers, providers, hardware/software, lost or unavailable network connections, failed,
incomplete, garbled, or delayed transmissions, or damage to any phone or computer system resulting from your participation in or
accessing or downloading information in connection with such Notifications.
Other Miscellaneous Terms
Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use
of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do
not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be
invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or
enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of the
State of California except to the extent governed by federal law.
Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time. You agree that we may notify you of any changes
by posting the amended Agreement on our website prior to the effective date of the change (unless applicable law requires another

13. form of notification).However, if the change is made for security purposes, we can implement such change without prior notice. We
may cancel your Card or suspend access to your Card Account or this Agreement at any time. You may cancel this Agreement by
returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this
Agreement prior to termination.
In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be
returned to you via a check to the mailing address we have in our records. The Issuer reserves the right to refuse to return any
unused balance amount less than one dollar ($1.00)
Arbitration Provision
Governing Law. This Agreement will be governed by the laws of the State of California except to the extent governed by federal
law. This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 ("FAA").
Waiver of Jury Trial and Arbitration Provision. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a
lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a
neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the
arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The
arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely
overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small
claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged
class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:
For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest
possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly
to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside
this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to
the Loan Agreement, the information you gave us before entering into this Agreement, including the customer information
application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party
claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of
any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages
to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents,
directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively
referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted
on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a
class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as
"Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third
parties of any non-public personal information about you.
1. You acknowledge and agree that by entering into this Arbitration Provision:
(a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR
RELATED THIRD PARTIES;

14. (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY
DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and
(c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN
ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY
LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES.
2. Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties
shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT
CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE,
AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION.
3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt
requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has
been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to
administer the arbitration: the American Arbitration Association (1-800-778-7879) http://www.adr.org or JAMS (1-800-352-5267)
http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an
attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with
such arbitrator’s rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within
twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or
whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20)
days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us,
then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures
of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the
express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and
procedures by contacting the arbitration organization listed above.
4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing,
administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own
attorneys' fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law
consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration
hearing will be conducted in the county of your residence. The arbitrator may decide, with or without a hearing, any motion that is
substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration
proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable
law, the arbitrator may award statutory damages and/or reasonable attorneys' fees and expenses. If the arbitrator renders a decision
or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the
timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with
any court having jurisdiction.

15. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your
residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction
of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be
resolved by binding arbitration.
6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a
final non- appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply
to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of California.
7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration
Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues
in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives
any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full
force and effect unless you and we otherwise agree in writing. If any of this Arbitration Provision is held invalid, the remainder shall
remain in effect.
Opt-Out Process.
You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be
subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the acceptance of your Card
at the following address:
AchieveCard Prepaid MasterCard PMB 296, P.O. Box 200255
Austin, TX 78720
Your written notice must include your name, address, account number or social security number and a statement that you wish to
opt out of this Arbitration Provision.
English Language Controls
Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein
are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the
information in the original English.
Customer Service
For customer service or additional information regarding your Card, please contact us at the following address:
AchieveCard Prepaid MasterCard

16. Attn: Customer Service
PMB 296, P.O. Box 200255
Austin, TX 78720
Or by phone at: 1-800-486-0273
Customer Service agents are available to answer your calls:
Monday through Friday, 8 a.m. to 8 p.m. CT;
Saturday, 9 a.m. to 6 p.m. CT (federal holidays excluded).
This card is issued by First California Bank pursuant to a license by MasterCard International Incorporated. AchieveCard is a
registered marketing service provider (“MSP”) of First California Bank. MasterCard is a registered trademark of MasterCard
International Incorporated.
Privacy Policy
The following First California Bank privacy policy (“Privacy Policy”) is incorporated herein as a part of this Agreement:
Rev. 07/2012
FACTS:
What Does FIRST CALIFORNIA BANK
Do With Your Personal Information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the
right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and
protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with
us. This information can include:

17. § Social Security number and account balances
§ Payment history and transaction history
§ Overdraft history and account transactions
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In
the section below, we list the reasons financial companies can share their customers’personal
information; the reasons FIRST CALIFORNIA BANK chooses to share; and whether you can limit this
sharing.
Reasons we can share your personal information Does FIRST CALIFORNIA BANK
share?
Can you limit this
sharing?
For our everyday business purposes —such as to
process your transactions, maintain your account(s),
respond to court orders and legal investigations, or
report to credit bureaus
Yes No
For our marketing purposes —
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes —
information about your transactions and experiences
No We don’t share
For affiliates everyday business purposes –
Information about your creditworthiness
No We don’t share
For nonaffiliates to market to you No We don’t share
Questions?
Call 1-800-486-0273 or go to www.achievecard.com

18. Who we are
Who is providing this notice? First California Bank (FCB)
First California Financial Group, Inc. (FCAL)
What we do
How does FIRST CALIFORNIA
BANK protect my personal
information?
To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does FIRST CALIFORNIA
BANK collect my personal
information?
We collect your personal information when, for example, when you
§ Open an account or deposit money
§ pay your bills or apply for a loan
§ use your credit or debit card
Why can’t I limit all sharing? Federal law gives you the right to limit only
§ sharing for affiliates’ everyday business purposes – information about your
creditworthiness
§ affiliates from using your information to market to you
§ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
§ FIRST CALIFORNIA BANK does not share with our affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and
non-financial companies.
§ FIRST CALIFORNIA BANK does not share with affiliates so they can market
to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
§ FIRST CALIFORNIA BANK does not jointly market.