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The Urban Trust Success Prepaid VISA card

Urban Trust Success Card or Elastic Card is a Visa®-branded prepaid debit card (not a credit card) issued by Urban Trust Bank pursuant to a license from Visa U.S.A. Inc. Prepaid debit cards are plastic cards that are used as an alternative to cash or checks. You can load funds onto a prepaid debit card online, at a Visa ReadyLink location, or at an Urban Trust Bank branch location. You have access to the funds 24 hours a day, seven days a week.

Use anywhere VISA Debit Cards are accepted and get cash at ATMs worldwide! FREE Direct Deposits 45,000 Visa ReadyLink locations nationwide Safer than cash - VISA Zero Liability No Hidden Fees! No Credit Check! No Overdraft Fees! No Minimum Ballance!

What are the benefits of having a Prepaid Debit Card?

Empowerment. Expands the purchasing power of underserved consumers who are accustomed to relying on cash and checks. Enables everyday activities that many consumers take for granted, such as reserving a hotel room, paying bills online and shopping on the Internet. Also reduces their dependence on friends and relatives to cash paychecks or pay bills.

Cost effective. Provides a cost-effective alternative to the potentially high cost of check cashing.

Convenience. Makes paying for purchases, paying bills, and obtaining cash fast, easy, and safe. Gives consumers immediate access to their funds deposited to their account using direct deposit. You can use the card for purchases everywhere Visa debit Cards are accepted and at virtually any ATM 24 hours a day.

Safety. There is no need to carry large sums of money. Visa's "Zero Liability" policy protects consumers from financial loss if their card is lost or stolen. You may incur no liability for unauthorized use of the Card up to the amount of the unauthorized transaction, provided we are notified within a reasonable period of time of the loss or theft (subject to certain conditions).

No credit check. Obtaining a prepaid debit card does not require a credit check. Anyone is eligible subject to USA PATRIOT Act compliance, OFAC, and other legal requirements.

Budgeting. Helps consumers establish budgets and monitor spending.

SCHEDULE OF FEES AND CHARGES

NOTE: Fees and charges are subject to change. Notice of fee or charge changes will be posted to the Web Site at www.utbsuccess.com and we will notify you by mail at the address we have on file twenty-one (21) days in advance of any change.

The following fees will be assessed as long as there is a remaining balance on your Card, except where prohibited by law. Anytime your remaining Card balance is less than the fee amount being assessed, the balance of your Card will be applied to the fee amount.

Monthly Service Fee.	A Monthly Service Fee of $4.95 will be charged to your Card at the end of each monthly billing cycle, with other fees being charged when incurred. Such Monthly Service Fees shall remain applicable until you use the funds on your Card or until the amount associated with your Card reaches ZERO.
Transaction Fees.
ATM Fee	$2.50 per ATM withdrawal/transfer.
Foreign Transactions	We will impose a charge equal to one percent (1%) of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct outside the fifty (50) United States, the District of Columbia or Puerto Rico.
ATM Balance Inquiry / Declined Fee	there is no charge for this occurrence. However, the ATM owner may charge a fee. Please read the ATM instructions carefully.
Balance Inquiry and Transaction History	This information is free online at the Web Site at www.utbsuccess.com. In addition, you may obtain balance information by calling our interactive voice response unit (VRU). There is no charge for calls to the VRU. If you select the option to speak to a live Customer Service Representative, there is no charge for the first call each month. If you select to speak to a Customer Service Representative after the first free call, a charge of up to $5.00 will be assessed to the Card for each call per month.
New, Lost or Stolen Card Replacement Fee	-- $5.00. A maximum of 3 replacement cards may be ordered until your account has reached its expiration date. A $15 Express Delivery fee is charged to your account to have your card expedited get Express Delivery of your new or replacement card.
Card Research and Special Requests	If you request that we perform research or handle special requests relating to the Card, there may be a charge up to $25 for each request. If your request involves a billing error or unauthorized transaction, this service is free.
Activation & Reload Fees	You will be charged a one-time Activation Fee of $4.95. Each retail location where you may reload the Card will charge a reload fee. Check with the retailer for information on these fees before you reload the Card. Reloading your Card via Direct Deposit is free.
Third Party Fees.	Any third-party fees are independent fees assessed by the third party only and are not assessed by us. These independent fee amounts may be charged to your Card. If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. If you obtain cash from a bank teller, the bank may charge a fee. This ATM fee or bank fee is a third party fee amount assessed by the individual ATM operator or bank only and is not assessed by us. This ATM fee or bank fee amount will be charged to your Card.
Card Account Closure Fee.	A fee of $15.00 is charged when your Card is deactivated and a check is issued for the remaining Card funds if liquidation is requested thirty (30) days or more after activation. Should you request a liquidation of the card prior to activation or during the first thirty (30) days after activating the card, you will not be charged a liquidation fee. You can save time and money and avoid paying this fee by using any remaining balance by making POS or online purchases, ATM withdrawals, etc.

 

Urban Trust Bank (UTB) is a federally chartered community-oriented bank founded by legendary entrepreneur Robert L. Johnson. UTB is successfully executing an innovative business model that provides value-oriented, common-sense banking and mortgage services through a network of branches in Florida and the Washington, DC area. Additionally, UTB is developing a suite of products to empower individuals and families in diverse communities who have been underserved or undervalued by traditional financial institutions. UTB is among the largest African-American controlled banks in the country and has been highlighted in national and local media, including The Washington Post, CNBC, The Wall Street Journal, CNBC, The Orlando Business Journal, and USA Today. UTB is designated as well capitalized by the Office of Thrift Supervision, the highest possible capital rating. UTB is headquartered in Central Florida and has offices near Washington, DC.