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ERO: PLEASE DELIVER TO TAXPAYER

2017 TAX SEASON

EASY ADVANCE INFORMATION PAGE - Republic Bank & Trust Company

An Easy Advance is a one-time loan not intended for long-term use in the amount of $__________ with no additional cost to

you. Typically, your proceeds will be disbursed to you within 24 hours of Internal Revenue Service (IRS) acceptance of your

tax return.

The Easy Advance is secured by and paid back with your tax refund but is not your actual tax refund.



Easy Advance Fee Schedule: You will not be charged any fees or interest associated with the Easy Advance.



You can file your tax return electronically and have the IRS or state issue your tax refund directly to you without applying for an Easy Advance.

According to the IRS, if you file a tax return electronically and do not obtain an Easy Advance, you can expect to receive a tax refund within 21

days by direct deposit or mail. However, the IRS will not begin issuing refunds for Earned Income Tax Credit (EITC) and Additional Chi l d Tax

Credit (ACTC) related tax returns until February 15

. If you mail your return and do not obtain an Easy Advance, you can expect to receive a tax

refund within 6 weeks by direct deposit or mail.



To receive an Easy Advance, you are not required to choose a Refund Transfer.



To be eligible for the Easy Advance, your expected Federal refund must be at least $__________ after any fees you have authorized are deduct e d.

Additionally, your tax return and credit bureau information will be evaluated to determine the likelihood that it will be funded by the IRS. Your

application for the Easy Advance may be denied if you have any delinquent child support or outstanding unpaid taxes, student loans or other

federal debt.



If approved, your Federal and/or State tax refund will be used to pay back the Easy Advance and will reduce the amount of your refund recei v ed

from the IRS and/or State. The remainder of your refund will be disbursed to you in the same manner you select on your Bank Product Applicati o n

and Agreement.



You may rescind the Easy Advance within 48 hours of your receipt of the Easy Advance proceeds by contacting Republic Bank at 866-581-1040.



If declined, you will not be charged a fee for the Easy Advance and your tax refund will still be routed to Republic Bank and disbursed to you i n

the same manner you select on your Bank Product Application and Agreement. If declined and you applied for an Easy Advance and Ref u nd

Transfer, you will still receive and be charged for the Refund Transfer.



Your tax preparer pays a fee to Republic Bank & Trust Company for each approved Easy Advance. Your tax preparer is prohibited from passing

this fee on to you.



The IRS and/or state taxing authority do not guarantee the amount or time of payment of your refund.

Disbursement Method Information:



If you choose an Easy Advance without a Refund Transfer, then the disbursement options available for you to receive your Easy Advance

proceeds and tax refund are Direct Deposit

or Prepaid Card².



If you choose a Refund Transfer in addition to the Easy Advance, your disbursement options are Bank Check; Direct Deposit¹; Prepaid Card²; or

Walmart Direct2Cash. You will receive both the Easy Advance and Refund Transfer proceeds by the same disbursement method.

Important Information for Joint Filers:



All Easy Advance applications will be on an individual basis so only one taxpayer can apply.



It is solely your choice in determining who applies for the Easy Advance.



Only the applicant’s name will appear on the Easy Advance check.

Other Information:



For additional information about tax refund processing, please consult

or the applicable tax authority’s website.



Go to

for information about low-cost “starter” or “second chance” bank accounts and access to financial

education resources.

Please consult your Bank Product Application and Agreement for additional information about disbursement options, joint filers and other details.

1. It may take additional time for your financial institution to post the proceeds to your account.

2. Available at participating tax offices.

The Xpress Refunds Prepaid Debit Card is issued by Four Corners Community Bank. A $4.95 Monthly Fee

will begin the month following activation. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the

Cardholder Agreement at

for details.

Bank Product Application And Agreement (Application/agreement) - Louisville, Kentucky Page 8

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