Using my PAYCHEK PLUS!™

1 Using my PAYCHEK PLUS! * Or, get my entire paycheck cashed free by Using my first free transaction per pay period to purchase a US Post Office money MoneyThe BasicsGetting started4 How my PAYCHEK PLUS! card works 9 Making PAYCHEK PLUS! work for me11 Getting cash at an ATM13 Making a purchase at a store15 Sending money to family and friends anywhere17 Buying a money order20 Checking my balance22 Upgrading to a Signature card24My account information American EPAY, Inc.(Getting my whole paycheck at one time)AdvancedChanging my PASSCODE26 Checking my pay stub 27 ETC Oh No! Handling problems29 Fee schedule and charges32 Glossary33 PAYCHEK PLUS! 401 Open the card envelopeLearn what I need to do to get thecardWHAT So I can use my moneyWHYG etting Started Find my cardPeel the card off the sheet5 PAYCHEK PLUS! My account information 1-800-578-2966 or my PIN and PASSCODE numbers UNDERthe card THESE AREIMPORTANT 4 Keep my PIN and PASSCODE ina safe placeRemember when I first get my card, the balance is $0 until myemployer puts my first paycheckon my card02 Fill out the applicationand give it to mysupervisor<graphic of application>waiting on image fromFSV6 Remember to sign it!

2 SmithJoeP999-99-999909/09/1970 Joe Smith 7/20/04H999-9999-9999030405 The back of your card hasuseful informationWhat is a PASSCODE?It is a 4-digit number (####)Use PASSCODE to check mybalance by phone or the InternetAlso use to send money to myDollar Direct card(s) is a PIN?A PIN is your PersonalIdentification NumberIt is a 4-digit number (####) Use PIN to get cash from anATM or make a purchase atparticipating stores, gas stations,grocers or convenience markets 7 PAYCHEK PLUS! My account information 1-800-578-2966 or smarts I can check my card balance FREE at 1-800-578-2966 Never keep my PIN and PASSCODE numbers with mycard Keep the original card form in a safe place at home If I lose my card call my company s payroll departmentfor a replacement cardMemorize these and keepa copy of the numbers ina safe placeDo not write them on my card 89My account information 1-800-578-2966 or where my money goes withPAYCHEK PLUS!

3 WHAT Be confident that my money is safe and can't be touched byanyone else See how PAYCHEK PLUS! helps me use money with greaterconvenienceWHYHow myPAYCHEKPLUS! cardworks MeMy employerGetting cashat an ATMM akingpurchasesSending moneyMakingphone callsMy accountMy cardPaydaySafe andsecurePAYCHEK PLUS! STAR241,000 ATMs 1,001,000 RetailCirrus820,000 ATMsLook at the back of my card tosee where it is accepted:10 Card Smarts Impossible to be overdrawn Never an overdraft fee My money is safe, even if I lose the card Remember my PIN and PASSCODE. Keep themsecret and in a safe place Shop at stores that accept my card Save fees by Using surcharge-free ATMs. Find where 30,000 ATMsCoinstarover 10,000 supermarketmachinesPulse250,000 ATMs3,300,000 RetailMakePAYCHEKPLUS! work for me11My account information 1-800-578-2966 or PLUS! 0102 Read instructionsBEFORE Using the cardPlease read the cardinformation that camewith your PAYCHEKPLUS!

4 CardWords I need to know arelocated in the glossary in thebackUsing my card is low costGet cash at an ATM* $ my card balance FREEon Internet or phoneIf first use of my card each pay FREE period is to buy from a store or purchase a US Post Office money orderUse my card to buy$ at a retail storeCheck my card balance at an ATM $ money to others$ money order $ (Post Office charges will also apply)Get cash at an ATM $ (The complete list of fees are located onmy card carrier)*Other ATM specific charges may applyKey facts about PAYCHEK PLUS! WHAT Save time, money, and effort Avoid problemsWHY 120403 DON T GIVE OUT MYNUMBERS to strangers orfriendsMemorize them and keep in asafe place Each pay period, if thefirst time I use the card isto get one of these itemsbelow it s FREEMake it count! Make a purchase at a store Get a US Post Office money order Transfer money from my card to a bank account 05 Card smarts I can check my card balance FREE at 1-800-578-2966 an ATM with any ofthese logos on the backof my cardFind locations near me account information 1-800-578-2966 or PLUS!

5 0102 Insert my card into theATMUse my PAYCHEK PLUS! cardto get cash from an ATMWHAT So I have cash when I need itWHYG ettingcash at anATM Cirrus820,000 ATMs30,000 ATMsPulse250,000 ATMsSTAR241,000 ATMsRemove my cash quicklyBefore I leave, rememberto take my receipt andmake sure I have myPAYCHEK PLUS! card 14 PAYCHEK PLUS!04 Choose Checking optionThen, follow on-screeninstructions 03 Enter my 4-digit PIN0515 PAYCHEK PLUS! My account information 1-800-578-2966 or my card to thecashier or swipe it in thePoint of Sale (POS)terminalSelect Debit Use PAYCHEK PLUS! at localstoresWHAT So I won t need to carry cash orchecks to buy things I needWHY Making apurchase ata store Point-of-SaleTerminal(POS)Enter my 4-digit PINThen, follow theinstructions on theterminal display160403 Card smarts I can check my card balance FREE at 1-800-578-2966 Save a fee by combining my purchase with getting cash, if Ineed it. I ll pay one feeinstead of two Not all stores let me add cash to the purchase For Cash Back with purchase, enter the extraamount I want, or ask thecashier how much cash back Ican getSave 75% on moneytransfer feesSending money to my DollarDirect card(s) is only $4 eachtime, no matter how muchmoney I sendGet as many additional DollarDirect cards as I need for only$ each17My account information 1-800-578-2966 or PLUS!

6 01 Easily send money to the DollarDirect card from my PAYCHEKPLUS! accountWHAT So I can send money to family andfriendsWHYS ending moneyto family andfriendsanywhere (1) Write down the 16-digit Dollar Direct card number (#### #### #### ####). Mail the card to others anywhereGetting cashat an ATMM akingpurchasesMakingphone calls(3)(2) Easily send money anytime to theDollar Direct card from my PAYCHEKPLUS! account by phone or Internet02To send money via phonecall 1-800-578-2966 Follow the prompts for Englishand Spanish, then Press 1 tosend money180304 Or, go to our Send Money Remember to Logout when I amdone If I don t have a computer,I can go to most publiclibraries for FREE Internetaccess05190607 After I send money toothers they can get cashat ATMs or buy items atstores with their DollarDirect cardCard smarts Sending money is easy and safe at $4 per transaction Save big by not Using money transfer stores Make it easier and safer for others to get cash atparticipating ATMs The Dollar Direct cardholder can only see theamount of money on theirDollar Direct card.

7 Theycannot see the card balanceon my PAYCHEK PLUS! card or any other DollarDirect cards PAYCHEK PLUS! 200102 Check card balance, so Iknow how much money IhaveI can check my card balance FREE at 1-800-578-2966 a money order with mydebit card or with cashWHAT If I want to get my whole paycheck cashed at one time Or, so I can pay my bills and other expensesWHYB uying amoney order Go to any US Post Office or, the customer servicedesk at most grocerystores21 PAYCHEK PLUS! My account information 1-800-578-2966 or to purchase a moneyorderI can pay for it with my debit cardor with cashIf I want to get my wholepaycheck cashed at one timeFREE and clear, I should pay forit with my debit cardPAYCHEK PLUS! authorizes aFREE money order purchase if itis my first transaction each payperiod and if use my debit cardto pay for it 0405 Card smarts I can use money orders to pay bills and other expenses Remember each pay period, if the first time I use the card isto get a US Post Office moneyorder, to make a purchase ata store OR to transfer moneyfrom the card to a bankaccount, that transaction isFREE03I can cash the moneyorder to get my wholepaycheck at one timeI can usually do this at the postoffice or at most banks andsome national grocers Call our Toll-free number1-800-578-2966 FREEC hoose English or Spanish Press 1 to check balanceVisit our (1) Click See card balance (2) Enter card number(3) Enter passcodeRemember to Logout when I amdone220102 Learn where I can check my cardbalanceWHAT So I know how much money is on mycardWHYC heckingmy balance030423 PAYCHEK PLUS!

8 My account information 1-800-578-2966 or the ATMA fter I get cash, the ATM willautomatically print out a receiptwith my balance shown$ I don t want to get cash outand just want to see how muchmoney is in my account, select Balance Inquiry To find an you have a device, useWalTer at work - FREE(1) After I login, Press 3(2) Press 2, then Swipe your pay card Punch-INPunch-OUTMy Account InformationMy PreferencesAdministration (special access)Welcome (My Name)12345 XExitPayroll InformationCard BalanceAccount Information12 XMain Menu02 The initial card fee ischarged to my account,no need to send moneyThe Signature card upgrade costis $ There is a $ monthly feeI never pay retail purchase fees(POS) when Using my cardWhen I upgrade to a Signaturecard, I will no longer receiveFREE the first transaction eachpay period for either a US PostOffice money order, a storepurchase or transferring moneyto a bank account2401 Upgrade to a Signaturecard and get thepurchasing power ofMasterCard Personalized with my nameIn addition to most of thebenefits of my PAYCHEKPLUS!

9 Dine at restaurants Make reservations at hotelsGet a PAYCHEK PLUS! Signature cardWHAT So I can have the purchasing powerof MasterCard to dine at restaurantsand make reservations at hotels WHYU pgradingto aSignaturecard 04 How do I know when I canupgrade? I will likely be eligible within 30-60 days, or I will be notifiedover the phone when I call 1-800-578-2966 to check myPAYCHEK PLUS! cardaccount informationorI can also call 866-290-8089 torequest an upgrade25 PAYCHEK PLUS! Account information 1-800-578-2966 or I am eligible, I canregister over the phoneand my Signature cardand PIN will be sent to myhome address in 10 daysor lessMake sure to verify that theyhave my correct mailing addressMy money is automaticallymoved to my new Signature cardafter I confirm I have received it 05 Card smarts Expand my purchasing power to millions of locations Continue to send money to the same Dollar Direct cards Access my balance and transaction history on theInternet or over the phone 260102 Call 1-800-578-2966 Follow the voice promptsGo to our Update my profile Remember to Logout when I amdoneLearn how to change myPASSCODEWHAT So I can remember the number betterWHYC hangingmyPASSCODEPASSCODE####(1) After I login, Press 3(2) Press 1 (3) Press to print27My account information 1-800-578-2966 or PLUS!

10 01 Learn where I can check or printmy pay stubWHAT So I can see how much I was paidWHYC heckingmy pay stubIf you have a device, useWalTer at work FREEIf I am a registered user, I canview and print my pay stub ? View morePrintPunch-INPunch-OUTMy Account InformationMy PreferencesAdministration (special access)Welcome (My Name)12345 XExitPayroll InformationCard BalanceAccount Information12 XMain MenuCheck Date: 12-03-2004 Chk Number: 1867483 From: 11-22-2004To: 12-03-2004 Account InformationXGo Back Print View020328Or, go to our View pay FREEView or print your pay stub hereRemember to Logout when I amdone If I am not registered onWalTer, call the Toll-freenumber 1-800-578-2966 FREEF ollow the voice prompts to heara summary of my net pay29 PAYCHEK PLUS! My account information 1-800-578-2966 or What if the wrong amountis deposited in myaccount?Contact your company s payrolldepartmentWhat if I lose my card or itgets stuck in the ATM?