TERMS AND CONDITIONS

Inter&Co Account| Short Form Disclosure

Monthly fee Per purchase ATM withdrawal Cash reload

$0.00 N/A N/A $0.00

ATM balance inquiry (in network or out-of-network)

Not Applicable

Customer service (automated or live agent)

No charge

Inactivity (after 12 months with no transactions) No charge

We charge 4 other types of fees. Here are some of them:

Add money using Credit Card

2.75% of amount transferred

Money Transfer Fees

See standard fee char t

Add money using wire transfe r

$15

Same day transfer to U.S. Bank account $20

For remittance transfers customer will be charged inter&co’s standard remittance rates as set forth at:
[Link] International exchange rates and local taxes may apply.

No overdraft/credit feature. Not FDIC insured.

For general information about prepaid accounts or to file a complaint, visit [Link]/prepaid. Find details and
conditions for all fees and services on our Long Form Disclosure and inter&co Account Agreement available
at [Link] or by calling 1-888-305-7264.

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 TERMS AND CONDITIONS

Inter&Co Account Fees Schedule| Long Form

1. Get started
Initial inter&co Account Set up Fee No charge

2. Monthly usage
Monthly Fee No charge

3. Spend money
Purchase Gift Card
No charge

Debit Card Account Set Up fee (One-time)
No charge

Virtual Debit Card Account Set Up Fee No charge

4. Add money
Add money to inter&co Account using Bank Account
No charge

Add money to inter&co Account using Debit Card
No charge

Add money to inter&co Account using Credit Card

2.75% of amount transferred

Add Money to inter&co Account using Wire Transfer $15.00

5. Transferring money from your account

Between inter&co Accounts

No charge

Transfer to US bank account
 No charge

(Money is usually available within 2 business days)

US bank account same day transfer (wire transfer)

$20.00

Send International money via [Link]

See the Remittance Fee Schedule:

[Link]

International Transfer using Swift messaging $30.00

6. Information
Customer service (automated or live agent)
No charge

Real-Time alerts


 No charge

Note: Your wireless carrier’s text message
& data rates may apply

Statements and Transaction history No charge

7. Other
Inactivity
No charge

Bill Payment
[Link]
Use of Debit Card No charge

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 TERMS AND CONDITIONS

Not FDIC insured.

No overdraft/credit feature.

Contact Inter & Co Payments, Inc. by calling 1-888-305-7264, by mail at 501 Brickell Key Drive, Miami, FL
33131, or visit [Link] For general information about prepaid accounts, visit [Link]/prepaid. If
you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at
1-855-411-2372 or visit [Link]/complaint.

For more complete terms and conditions, please see the inter&co Account Agreement available at: link
Important Additional Disclosures:
(a) Consumer Liability. Tell us AT ONCE if you believe your inter&co Account code has been lost or stolen, or
if you believe that an electronic fund transfer has been made without your permission using information
from your inter&co Account. Telephoning is the best way of keeping your possible losses down. You could
lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of
your inter&co Account code, you can lose no more than $50 if someone used your inter&co Account
without your permission.


If you do NOT tell us within 2 business days after you learn of the loss or theft of your inter&co Account
code, and we can prove we could have stopped someone from using your inter&co Account code without
your permission if you had told us, you could lose as much as $500.


Also, if your statement shows transfers that you did not make tell us at once. If you do not tell us within 60
days after the statement was made available to you, 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.


(b) Contact in event of unauthorized transfer. If you believe your inter&co Account code has been lost or
stolen, call: 1-888-305-7264 or write:


Inter & Co Payments, Inc.

Attention: Customer Service


501 Brickell Key Drive, Suite 202

TERMS AND CONDITIONS

Miami, FL 33131

(c) Business days. For purposes of these disclosures, every day is a business day (“Business Day”) except
Saturdays, Sundays, and federal holidays.
(d) Transfer types and limitations.
(1) Account access. You may use your inter&co Account to:
(i) Pay for funds transfers via the inter&co App or inter&co website (if available).

(ii) Make funds transfers to other inter&co Account holders.

(iii) Pay for purchase of gift or debit cards from other participating vendors.
(2) Limitations on access. You may not use your inter&co Account for:
(i) Making withdrawals at ATM locations.

(ii) Making purchases at merchant point of sale locations.

(iii) Making online purchases or online bill payments.

(iv) Receiving direct deposits into your inter&co Account. (v) Making preauthorized
payments.
(e) Fees. Our inter&co Account fees are set forth above. Our normal remittance fees are available here: link

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 TERMS AND CONDITIONS

(f) Confidentiality. We will disclose information to third parties about your account or the transfers you make:
(i) Where it is necessary for completing transfers, or

(ii) In order to verify the existence and condition of your account for a third party, such as
a credit bureau or merchant, or

(iii) In order to comply with government agency or court orders, or (iv) If you give us your
written permission.
(g) Documentation.
(1) Transfers via inter&co Account. You can get a receipt at the time you make any transfer to or
from your account using our inter&co App or via the inter&co website (when available).


(2) Transaction history statements. You may check your current inter&co Account balance and
transaction history by referring to the inter&co App for via the inter&co website (when available).
(h) Financial institution's liability. If we do not complete a transfer to or from your account 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 money in your account to make the
transfer.


(2) If the transfer would go over your available balance.


(3) If the system was not working properly and you knew about the breakdown when you started
the transfer.


(4) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite
reasonable precautions that we have taken.


(5) There may be other exceptions stated in our agreement with you.

Code Edition Updated on Brickell Key Drive, Suite 202, Miami FL 33131
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