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providing to Republic in conjunction with this Agreement to verify my refund status with the IRS; (vi) authorize Republic to

change my Disbursement method at its discretion if necessary to process my Bank Product(s); (vii) authorize Republic, if I

provided my cellular phone number to my ERO, to deliver to my cellular phone number text messages using an automatic

telephone dialing system and understand that Republic is not requiring me to provide this authorization as a condition of

obtaining a Bank Product (message and data rates may apply from my wireless carrier); and, (viii) authorize Republic, at its

sole discretion, to send my Bank Product(s), or any amount due me, to me at my address, as listed on this Agreement, or to

my ERO for delivery to me and agree to hold Republic harmless if my ERO does not timely deliver the check(s) to me.

12. RELEASE OF MY BANK PRODUCT INFORMATION

I authorize Republic to provide third parties, including without limitation, credit reporting agencies, and my ERO and Transmitter with information regarding the

status of my Bank Product, including whether the IRS or any state taxing authority funded, partially funded or failed to fund my tax refund, and whether I

obtained a Bank Product. (See Republic’s Privacy Notice.)

13. ADDITIONAL TERMS

I authorize Republic to accept my federal tax refund from the IRS and/or my state tax refund from the applicable state taxing authority and disburse the balance

of my account to me by the method selected in Section 3. I understand and agree that (i) Republic is not affiliated with and does not warrant the performance

of my ERO or the Transmitter or the accuracy of the tax return; (ii) Republic’s fees may be shared by Republic with my ERO and/or the Transmitter; (iii) a

portion of the Transmitter fee may be subsequently shared with my ERO; (iv) this Agreement is governed by applicable federal laws and the laws of the

Commonwealth of Kentucky ; and (v) Republic does not guarantee whether, when, or in what amount, tax refund(s) will be issued.

14. REGULATORY DISCLOSURES

A. Federal Electronic Fund Transfer Act: In the Case of Errors or Questions About My Electronic Transfers, I will telephone Republic at 1-866-581-

1040 or write Republic at Tax Refund Solutions, P.O. Box 2348, Louisville, Kentucky 40201 as soon as I can if I believe my transaction history is wrong or I

need more information about a particular transaction. Republic must hear from me no later than sixty (60) days after I electronically accessed my account, if

the error could be viewed in my electronic history. I must tell Republic my name and Social Security Number, describe the error or transaction you are unsure

about, and explain as clearly as I can why I believe it is an error or why you need more information, and tell Republic the dollar amount of the suspected error.

If I report an error orally, Republic may require me to send my complaint or question in writing within ten (10) business days.

Republic will determine whether an error occurred within ten (10) business days after hearing from me and will correct any error promptly. If Republic needs

more time, however, it may take up to forty-five (45) days to investigate my complaint or question. If Republic decides to do this, it will credit my account within

ten (10) business days for the amount I think is in error, so that I will have the use of the money during the time it takes Republic to complete its inv estigation.

If Republic asks me to put my complaint or question in writing and does not receive it within ten (10) business days, Republic may not credit my account. For

questions and errors involving new accounts, Republic may take up to ninety (90) days to investigate my complaint or question. For new accounts, Republic

may take up to twenty (20) business days to credit my account for the amount I think is in error. Republic will tell me the results within three (3) business days

after completing its investigation. If Republic decides that there was no error, Republic will send me a written explanation. Copies of the documents that

Republic used in the investigation are available at my request.

Republic’s business days are Monday through Friday, except for bank holidays.

Republic’s Hours of Operation (all times listed are Eastern Time)

January 17th – March 3rd

Saturday Support

Monday – Friday

9am – 8pm

January 21st – February 11th

9am – 5pm

Regular hours resume March 6th

Monday – Friday

9am – 5pm

No other electronic fund transfers are allowed. Other than the Refund Transfer Fee described in Section 4, there is no charge/fee for electronic fund transfer

activity. I can access my transaction history by visiting

If Republic does not complete a transfer to or from my account on time or in the correct amount in accordance with this Agreement, Republic will be liable for

my losses or damages. However, there are some exceptions. Republic will not be liable, for instance: (i) if, through no fault of Republic, I do not have enough

money in my account to make the transfer, (ii) if circumstances beyond Republic’s control (such as a fire or flood) prevent the transfer despite reasonable

precautions that Republic may have taken, (iii) if the funds in my account have been offset by Republic in payment of a delinquent loan, or (iv) if the funds have

been attached or otherwise frozen as a result of a legal proceeding.

Republic will disclose information to third parties about my account or the transfers I make (i) when it is necessary to complete transfers, (ii) in order to verif y

the existence and condition of my account for a third party, such as a credit bureau or merchant, (iii) in order to comply with government agency or court orders,

(iv) in accordance with Republic’s Privacy Notice, and (v) if I give Republic written permission.

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