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					   USA PAYCARD




        PayCard
The New Employee Benefit
 Your Pay – Direct to You!

           Enrollment Kit
Toll-Free Phone: 888-860-5102 | www.usapaycard.com
If you can answer YES to any of these questions, you need a PayCard.

• Do you wait in line to cash your paycheck?                            • Do you pay high fees for a checking account you don’t
• Do you pay high check cashing fees?                                     need?
• Do you pay high money transfer fees?                                  • Do you need a budgeting tool for a family member?
• Do you send allowance to a college student?                           • Have you been turned down for a checking account?
• Do you make a special trip just to pick up your                       • Do you worry about carrying around cash that can’t be
  paycheck?                                                               replaced if it’s lost?
• Do you transfer money to a family member?
______________________________________________________________________________________________________________________________

What are prepaid debit cards?                                           How do I get my money on prepaid debit cards?

A PayCard is a new way of managing your money. It is also a             There are two ways to put money on your card.
new way to transfer money. A PayCard safely stores your money           1. Payroll direct deposit: Your employer can send your pay
until you are ready to use it. You can then get your money                  directly to your PayCard every payday.
easily at any ATM or use your PayCard to make purchases at              2. Money transfer: You can transfer money between PayCards.
thousands of retailers nationwide.                                          Just get a second PayCard for a family member and transfer
                                                                            money from one card to another.
What can I do with a prepaid debit cards?
                                                                        How much does it cost to get a prepaid debit card?
Your PayCard is a debit card with your money on it, so you can
use it to get cash or make purchases. You will access your funds        There’s no charge to get a PayCard. And there are no monthly
by using your card and a Personal Identification Number (PIN).          or annual fees to pay.
You can:
     Use your card to get cash at virtually any ATM in the U.S.         Using your PayCard to make a purchase or to get cash back at
     and around the world. Plus you enjoy the added benefit of          the point of sale is FREE; Using the Internet to check balances
     surcharge-free withdrawals at any MoneyPass ATM.                   or statements is FREE. ATM withdrawals are just $1.50 and
     Get cash at no additional cost by using the “cash-back”            electronic card-to-card transfers are just $.50 – NO MATTER
     option at thousands of retailers – especially Convenience          HOW MUCH YOU ARE TRANSFERRING.
     Stores and Supermarkets and large retail chains.
     Make purchases wherever debit cards are accepted– over 1
     million locations nationwide.
     Transfer money instantaneously to another PayCard
     domestically or internationally.
__________________________________________________________________________________________________________________________

                                    How do I benefit from using the Prepaid debit card?

A PayCard Saves You Money

    Eliminate the high check cashing fees charged by agencies.
    Save on high money transfers fees. With a PayCard, it cost just $.50 no matter how much you transfer.
    If you keep a checking account just so you can cash your check, cancel it and eliminate the monthly checking account fee.

A PayCard is Convenient

    No delay on payday. Your funds are available first thing in the morning.
    Card-to-Card transfers instantaneously
    Internet access to transfer funds, check balances or statements.
    24/7 Call Center for live operator assistance.
    Use the PayCard as a budgeting tool for other family members on an allowance.
    No need to make a special trip to pick up your paycheck and no need to wait in a long check cashing line. Your pay is automatically
    loaded onto your PayCard.
    If you’ve been turned down for a checking account, use a PayCard instead. Your money is just as safe.

A PayCard is Safe

    Eliminate the risk of carrying around cash and losing it
    If your PayCard is lost, it can easily be replaced and its value restored.
    Only you can access your money because it’s PIN protected
    All PayCard funds are FDIC insurred. Elan Financial Services is a fully comprehensive, in-house provider of transaction management
    solutions with nearly 40 years of industry experience. This full-range business represents the significant merger of institutions,
    resources, and capabilities, along with key contributions that drove the growth of the payment services industries. Funds are held
    and managed by US Bank, Member FDIC, the sixth largest financial institution in the United States.
    What is a Prepaid Debit Card?                          money. If you regularly transfer money to a relative
                                                           Internationally, getting them a card and using it to
A PayCard is a debit card that is prepaid which your       transfer the money is far safer, more convenient, and
pay or other funds from your Employer (like expenses       less expensive than money transfer services.
or commissions) are deposited or “loaded” on payday.
The card is either a PIN Debit Card that can be used       If you share a checking or share draft account with
where a PIN is accepted (practically all ATMs, and         another in your household and occasionally pay
most large Retailers, Grocery Stores, Gas Stations,        overdraft fees because you both used your debit
etc.), or a MasterCard, that can be used everywhere        cards or wrote checks, using the PayCard instead
the MasterCard logo is displayed.                          provides the safety and record-keeping of the
                                                           Checking or share draft account without the risk of
    How can my payroll card be used?                       overdraft.

The PayCard is like an electronic bank account,            If you are looking for ways to budget your everyday
without the hassle or cost. You can get cash at            expenses, putting money for them on the PayCard
virtually any ATM, or at major Retailers (Wal-Mart, K-     and the rest in your bank or credit union account is
Mart, Target), and Grocery Stores through the "Cash-       an inexpensive, safe way to manage your money.
Back" feature. You can use the PayCard to purchase
goods or services at millions of Retailers that accept         How do I avoid ATM Surcharges?
MasterCard®.
                                                           Elan Financial Services owns and operates the
You can also use the PayCard to transfer funds to any      MoneyPass ATM Network, which provides Surcharge-
other PayCard cardholder (including a relative in the      Free cash at thousands of convenient ATMs
US or Internationally).                                    nationwide. For more information or to locate an
                                                           ATM near you, go to www.MoneyPass.com.
    How many paycards can I have?
                                                               How do I know how much money is on my
You can get one prepaid mastercard and up to two               PayCard?
additional PIN-based debit cards.
                                                           You can find out your PayCard balance by checking at
    How do I get an additional card?                       virtually any ATM, checking over the Internet at
                                                           www.PayCardConnect.com, calling toll-free 1-877-
If you are still working for the Employer that gave you    755-1474 and using the automated Voice Response
your PayCard, you will need to contact them. If you        Unit, or calling PayCard Services at the same number
have left that employer, call PayCard Services toll-free   and talking with a live operator. Your balance is also
at 1-877-755-1474.                                         usually printed on the ATM receipt if you withdraw
                                                           cash. There is also a simple PayCard Register to help
    Do I need a bank account?                              keep track of your transactions.

No bank account is required to obtain a PayCard.               How can I see what transactions have
                                                               occurred on my PayCard?
    How much does the prepaid card cost?
                                                           You can view your transactions by checking over the
Generally, the PayCard has no monthly or annual fee,       Internet at www.PayCardConnect.com, calling toll-
or cost for purchases or Cash-Back, or cost for            free 1-877-755-1474 and using the automated Voice
Internet Balance Inquiries or Statements. For other        Response Unit, or calling PayCard Services at the
services, check the price sheet provided at                same number and talking with a live operator.
Enrollment.
                                                               Do I get a Statement?
    I have a bank account, why do I want a
    payroll deposit card?                                  Yes, a Statement is generated for every PayCard.
                                                           You can customize the Statement dates covered
Even if you have a bank account, a PayCard may be          yourself. The Statement is available for viewing and
valuable. If you do not have your pay Direct               printing over the Internet at
Deposited into your account, the PayCard is more           www.PayCardConnect.com or can be obtained via
convenient and safer than being paid by check.             phone at a small cost.
If you have students in college you help to support,
getting them a PayCard for their money is a safe,
inexpensive, and convenient way to send them their
    How do I know if I got my pay, and how
    much? What do I do if the amount is                        How do I know my money is safe?
    wrong?
                                                           All PayCard funds are FDIC insurred. Elan Financial
Usually, your Employer will provide your pay               Services is a fully comprehensive, in-house provider
information. In addition, you can check your balance       of transaction management solutions with nearly 40
at practically any ATM, and both your balance and          years of industry experience. This full-range business
recent deposits over the Internet at                       represents the significant merger of institutions,
www.PayCardConnect.com or by calling PayCard               resources, and capabilities, along with key
Services toll-free at 1-877-755-1474. If your pay          contributions that drove the growth of the payment
amount is incorrect or if your pay is not on the card,     services industries. Funds are held and managed by
you should contact your Employer immediately.              US Bank, Member FDIC, the sixth largest financial
                                                           institution in the United States.
    How much can I spend or withdraw?
                                                               What do I do if an incorrect purchase is on
For your safety, there are limits to ATM Withdrawals           my PayCard?
of $1,000 per day and purchases (including Cash-
Back) to $2500 per day.                                    You should first contact the retailer to resolve the
                                                           issue. If it is not your purchase, call us immediately
For ATMs, the owner of the ATM controls how much           at 1-877-755-1474.
cash can be taken at one time - usually $300-$500.
For Cash-Back, the store owner determines how much             What do I do if I lose or forget my PIN, or
Cash-Back they will allow. Most major discount                 someone unauthorized has access to it?
retailers (Wal-Mart, K-Mart, Target) allow up to $100
back at a time.                                            A PIN is important, as it is the safeguard to your
                                                           account at the ATM and PIN-accepting retailer. PINs
If you will need to access more than these limits for a    should be stored safely away from your card and not
special occasion, please call PayCard Services at 1-       shared with anyone. If you do lose or forget your
877-755-1474.                                              PIN, or if someone not authorized by you has access
                                                           to it, call PayCard Services immediately at 1-877-755-
    Is there a minimum amount I must                       1474.
    withdraw on my PayCard?
                                                               Why do I need my Password?
No - as long as there is a positive balance, you may
use the PayCard. You should note the amount of any         Your password is the security that protects
fees, however, to make sure you do not overdraw the        unauthorized access to your PayCard through the
card.                                                      telephone and Internet. You need it to obtain
                                                           information on your PayCard through either source.
    What happens if I lose my PayCard or if it
    is stolen?                                                 I left my Employer. Can I still use my
                                                               PayCard?
You should call PayCard Services immediately at 1-
877-755-1474. We will arrange for your card to be          Most Employers allow their Employees to transfer
replaced, along with any funds that were on the card.      their PayCards to new Employers. Your new
                                                           Employer does not need to be a customer - all they
    What do I do if my card does not work?                 need to do is offer Direct Deposit. To register your
                                                           PayCard with your new Employer, all you would need
If your card is not working, call PayCard Services toll-   to do is give your new Employer your Card Number
free at 1-877-755-1474. You should note to keep the        and the Bank Transit Routing Number (ABA Number)
magnetic stripe (the black stripe on the back of the       seen on the upper right hand corner of your PayCard.
PayCard) away from any magnets - for instance, the
PayCard should not be carried in a magnetic money
clip.
MasterCard
                                     A    PayCard Enrollment and Direct Deposit Authorization
PayCard
Enrollment Form                      Cardholder Name __________________________________________________________________

                                     Address __________________________________________________________________________
How do I get a PayCard?
Easy.Just 3 simple steps…            City,State,Zip ______________________________________________________________________

                                     Telephone Number __________________________________________________________________

1                                    Date of Birth ____________________ Social Security # _______________________________
Complete sections A, B and C,
on the enrollment form at right.       Additional Account Options
• If you want a second account,
  be sure to provide the             □    I want a second account in my name to manage money transfers between family members
  information
• In section B, be sure to           □    I want a second account in the name of the family member below (for example, spouse, student or parent)
  designate how much of your
  pay you would like deposited to    Name____________________________________________________________________________
  your PayCard.
                                     Date of Birth ____________________Social Security # _______________________________


2                                    First use of card constitutes agreement to the terms and conditions of the Cardholder Agreement that is
Note that the PayCard can only       provided with you PayCard and the fees included with this form.
be funded by direct deposit (by
your employer or government          To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial
benefit program) or by               institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for
                                     you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow
recurring deposits from an           us to identify you. We may also ask to see your driver’s license or other identifying documents.
existing bank account.

                                     B Direct Deposit Authorization
3                                    Please complete the direct deposit instructions below. We will provide your employer with
Please forward completed             the direct deposit instructions in approximately 5-7 business days from the time we receive
applications to the following        the enrollment form from you.
address or fax number. We will
process the PayCard enrollment         Payroll Direct Deposit Instructions
then return the completed
enrollment form to you so that you
can set up the direct deposit.         I wish to deposit:        □ $ _________.00 Per Pay □ Entire Net Pay
                                       I authorize my employer to deposit each pay period, my net wages after deduction for required taxes and
                                       withholdings to the Genpass PayCard per my direct deposit instructions and if necessary, initiate any adjustments
Mailing Address:                       for credits posted in error.
Elan Financial Services
Enrollment Processing                  Signature _______________________________________ Date ________________
1255 Corporate Drive
Irving, TX 75038

Fax Number:                            Internal Use (Please Note: Paycard Account # must have all 16 digits filled in for direct deposit use). If not contact Enrollment Processing.
Attn: Enrollment Processing            Bank Name, City, State:              U.S. Bank                                          Routing/Transit #: 091000022
972-677-5399
                                       PayCard Account #               5     1      0     8 4         3     0     6     9      0
____________________________

Phone Numbers:
Enrollment Processing:
888-860-5102                         C   Employer Telephone Number                                 _________________________________________________________

                                          Employer Name                                            _________________________________________________________

                                          Address                                                  _________________________________________________________
USA PC 69 5108430690
                                                                                                   _________________________________________________________
CDF 2:
                                          City,State,Zip                                           _________________________________________________________
Privacy Notice


  Recognition of Your Expectation of Privacy. Genpass Card Solutions, L.P. (“we”, “us” or “our”) recognizes that you expect privacy and
  security for your personal and business affairs. We understand the need to safeguard nonpublic personal information that you have entrusted to us.
  We maintain standards and procedures designed to prevent misuse of this information.

  Categories of Information We Collect: We collect nonpublic personal information about you from the following sources:
       •    Information that we receive from you on applications, authorizations or other forms;
       •    Information about your transactions with us, our affiliates or others; and
       •    Information we receive from a consumer reporting agency.

  Categories of Information We Disclose: We do not disclose any nonpublic personal information about our customers or former customers
  to anyone, except as permitted by law.

  Categories of Information That We Disclose to
  Marketing Companies: We may disclose all of the information we collect to companies that perform distribution, marketing or promotional
  services on our behalf or to other financial institutions with whom we have joint marketing agreements, in accordance with applicable law – such as
  banks, payroll companies, processing companies.

  Confidentiality and Security of Your Nonpublic
  Personal Information: We restrict access to nonpublic personal information about you to those employees who need to know that information to
  provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your
  nonpublic personal information.


   PayCard Fees

   Service                      Fee          Items Covered
   Free Services                $0           Purchases and cash back at POS, Internet statements and balance
                                             inquiries, transaction inquiries, customer service
   Electronic Transactions      $.50         ATM inquiries and declines, Internet transfers, balances and
                                             transfers using the automated voice telephone system
   ATM Withdrawal               $1.50        Domestic ATM withdrawals
   Live Operator                $2.00        Balance inquiries and transfers
   Optional transactions        $4.00        International ATM withdrawals, branch cash advances, replacement
                                             cards, paper statements, account dormancy