Smart Rewards Prepaid Mastercard®
Issued By Sunrise Banks, N.A., Member FDIC

Monthly Fee $0
Per Purchase $0
ATM Withdrawal $0
Cash Reload N/A
ATM balance inquiry $0
Customer service $0
Inactivity $0
We charge 0 other types of fees.

No overdraft/credit feature.
Your funds are eligible for FDIC insurance
For general information about prepaid accounts, visit cfpb.gov/prepaid
Find details and conditions for all fees and services inside the cardholder agreement or call 1-833-736-5441 or visit enft.us/smartrewards

List of all fees for Smart Rewards (“Fee Schedule”)
Fee Fee Description Online/Statement Fee Amount Details
Get cash
ATM Withdrawal ATM Withdrawal Domestic $0 We do not charge a fee. The ATM operator may charge you a fee, even if you do not complete a transaction. You can request cash back, at no charge, by selecting “Debit” and entering your PIN when making a purchase at a retail location.
Financial Institution Withdrawal Over Counter Fee $0 We do not charge a fee. The financial institution may charge you a fee. You can request cash back, at no charge, by selecting “Debit” and entering your PIN when making a purchase at a retail location.
Using your Card outside the U.S.
International Purchase Merchant Name and Location (variable) $0 We do not charge a fee. Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars. Conversion fee applies to all Transactions made outside of the U.S. and is determined by the Mastercard network using current conversion rates. This fee is reflected in the total amount of the settled Transaction.
International ATM Withdrawal ATM Withdrawal International $0 We do not charge a fee. The international ATM Operator may charge you a fee for currency conversion, or other use of their ATM, even if you do not complete a transaction.
International ATM Balance Inquiry Balance Inquiry International $0 We do not charge a fee. The international ATM Operator may charge you a fee for use of their ATM, even if you do not complete a transaction.

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Sunrise Banks N.A., an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event the Bank fails, if specific deposit insurance requirements are met and we have been able to verify your identity. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact us by calling 833-736-5411, by mail at P.O. Box 421221, San Diego, CA 92142, or visit www.smartrewards.us.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.