HOW IT WORKS

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How it works.
ATM

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Deposit Money Make Purchases Pay Bills

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Withdraw Cash Create Sub-Accounts Make Bluebird-to-BluebirdTransfers Track and Manage Your Account

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For more detailed information,

please visit Bluebird.com.

DEPOSIT MONEY

Deposit Money
Automatically deposit all or part of your paycheck to your Bluebird Account with Direct Deposit Transfer money from a checking or savings account Add cash directly to your Bluebird Account at Walmart, or with cash reload packs available at participating retailers' Add money using your debit card Deposit checks remotely using the Bluebird mobile app

There are many ways to deposit money into your Bluebird Account.
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'Third-partyfees may apply. Fees may apply.

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MAKE PURCHASES

Make Purchases

With Purchase Protection? you can feel safe knowing your eligible purchases at stores and online are secure. As an added benefit, you'll incur no foreign exchange fees on purchases made with your Card while traveling outside of the country.

Use your Bluebird Card for everyday spending at restaurants, in stores (like grocery), online, for travel, and everywhere American Express" Cards are accepted,' 12

Alwaysseled"aedit"when prompted. PurchaseProtection isunde!written by AMEX Assulilnce Company,Administliltive Office, Phoenix, AL Coverage isdetermined by the terms, conditions, and exclusions of PolicyAX0951 or Policy PP-INDand issubjectto change with notice. This document does not supplement or replace this policy.

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PAYBILLS

Pay Bills

With Bluebird, you can quickly and easily pay your billsfrom your cable or utility bill to your gardener or babysitter. It's super fast and easy. And you can save payee information at Bluebird.com for even more convenient transactions.

Pay any person or business in the U.s. online or with the Bluebird mobile app.
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WITHDRAW CASH

Withdraw Cash

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Easily withdraw cash from your Account' at: Any ATM that accepts American Express Cards More than 22,000 surcharge-free, in-network MoneyPass'" ATM locations nationwide You can find MoneyPass locations with our ATM finder at Bluebird.com and by using the Bluebird mobile app.

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Get cash from ATMs.
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ATM

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'Fees and surcharges may apply. 17

Create Sub-Accounts

CREATE SUB-ACCOUNTS

Want to give Cards to family members or others? You can create up to four Sub-Accounts for any person 13 years of age or older, such as your:

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Create Sub-Accounts at no charge.
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Children

- give allowances or send money instantly to kids at home or away

Babysitter - easily provide money for incidentals Contractor - add money to their Card for materials Maintain control of Sub-Account spending by setting daily spending limits and setting up e-mail/text alerts, as well as by limiting or enabling other key features, like ATM access.

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-Bluebird-to-Bluebird

BLUEBIRD-TO-BLUEBIRD

Securely and instantly send money to and receive money from other Bluebird Members, either online or by using the Bluebird mobile app. If your friends have Bluebird Accounts, you can easily and instantly pay them back for movie tickets, restaurant bills and more.

Enjoy the convenience of free and instant Bluebird-to-Bluebird transfers. 20 21

TRACK AND MANAGE

Track and Manage

It's easy to track your spending and manage your Account online 2417 at Bluebird.com, by using the Bluebird mobile app, or requesting balance and transaction history via text: Check your balance and transactions Pay bills and people anytime, anywhere Send money to and receive money from other Bluebird Members Set up customized text and e-mail alerts Enjoy 24/7 online and mobile Account access. Request balance and transaction history texts to your cell phone

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'Standard text messaging rates may apply. 23

BENEFITS

Fraud Protection Feel safe knowing that, if your Card is lost or stolen, you won't be responsible for fraudulent charges. Purchase Protection 1 If an eligible item purchased with the Card is acddentally damaged or is stolen, Purchase Protection 1 can reimburse you within 90 days of the date of purchase. Global Assist '" Services2 If you're traveling more than 100 miles emergency assistance, you are backed We can direct you to English-speaking professionals, help with lost passports, from home and need by Global Assist Services. medical and legal and much more.

Roadside Assistancel In the event of car trouble, you have access to Roadside Assistance. Just call us, and we'll send help. Entertainment Access Enjoy special savings and advance tickets to some of the hottest events in music, sports, and theater. Customer Service Receive free access to World-class American Express Customer Service 2417.

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PurchaseProtection~underwrittenbyAMEXAssurance(ompany,AdminislJativeOffice, Phoenix,AL Coverage~detennined bythetenns, conditions,and exdusions of Policy AX0951 orPolicy PP-IND and is subject to change with notice. This document does not supplement or replace this policy. 1 WhiletheGlobalAssist coordination and assistance services ale offeredat noadditional chargefiom American
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Express, Cardrnembers are responsible forthe costs charged by third-party service providers. W)IlUneed further information, pleasecall the number on the bad< of yourCard. J Cove1ilge issubjecttoadditional terms, conditionsandexdusions. Call1-800-333-AMEX fur full tennsand conditions.

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NO HIDDEN FEES

Enjoy Bluebir(lwitti no tij(lden fees: Account Fee Summary

Fee Category Fee Type Amount

CostolSotUp:

Monthly/Annual Fee Activation Direct Deposk Checking/Sayings Account From a Debk Card Cash or Debk through Walmar1 Cash load Packs Deposk Checks with Mobile App WrthdrawaUiledine WithdrawaVDedine Electronic Bill Pay Customer Servke (alb Replacemenl Cardlll1KllYltyiDormancy ForeIgn Exchange

FREE FREE FREE FREE $2 $1 FREEbut third party fees may apply FREE FREE $2 FREE FIIU FREf FREE

We've got nothing to hide.

With Bluebird, you won't get hit with hidden fees or unexpected charges.

Add Money:

ATMTransac1lons: Spend Money: 0tIIer:

(at Mon~tass Ne1wo'" ATMswith dire<t deposk) (Other)'

See Member Agreemenl for complete delails. 'ATMoperalor fees may also apply. 'ATMfees are not currently charged to Arkansas residenU.

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