MAJORITY vs Xpectations!® Plus

No SSN required. Open an FDIC-insured account and get a Visa® debit card with just your passport or government-issued ID. Then do more with your money: send money home, build credit, top up phones, and call family. MAJORITY is the mobile banking app built for internationals in the US. Why members choose MAJORITY Open a US account with no SSN, just a passport or ID FDIC-insured account through Axiom Bank, N.A. with no minimum deposit Visa debit card with cashback, works everywhere Visa is accepted No foreign transaction fees Send money home at competitive exchange rates Build credit with the MAJORITY Visa® Secured Credit Card Get paid up to 2 days early with direct deposit Deposit checks right in the app Mobile top-ups to family back home International calling to 20+ countries Support in English and Spanish Send money home Send money at competitive exchange rates with secure delivery by bank transfer, cash pickup, or mobile wallet, whichever your family prefers. Build credit Build your credit history with the MAJORITY Visa® Secured Credit Card. No SSN and no credit history required to apply. Pay on time and use your Credit Boosts to raise your credit limit over time. Your activity is reported to the major credit bureaus, so responsible use can help you build credit. Try MAJORITY free for 30 days, then keep every benefit for $6.99/month. For more information, including our Privacy Policy, visit https://majority.com. The MAJORITY app facilitates banking services through, and the MAJORITY Visa® debit card is issued by, Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The funds deposited in the account held at Axiom Bank, N.A., Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured. The MAJORITY Visa® Secured Credit Card is issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Since your credit history is reported to major credit bureaus, it can help build/rebuild your credit if used responsibly. Other factors, such as late payments or delinquencies with your other accounts or loans, may adversely impact your credit. There is no guarantee regarding any impact on your credit score. Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement. Qualification for the MAJORITY Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements, having a Majority account in good standing, and establishment of a security interest. Criteria are subject to change. Eligibility to access the remote check deposit feature in the MAJORITY App will be determined at the discretion of Majority and its partners based on a variety of risk-based factors. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. MAJORITY, PO Box 370356, Miami, FL 33137 © 2026 MAJORITY USA, LLC. All rights reserved.

The convenience and value of a mobile debit account is now available in an innovative app to help Xpectations!® Plus customers manage their money, access full account features and get the protection they deserve.Xpect more with improved features, enhanced protection and low fees with the Xpectations! Plus Debit Card: • No monthly fees with $500 of eligible direct deposits¹ • $0 Purchase Transaction Fees² • Overdraft protection up to $300 with opt-in and eligible direct deposits³ • Get your payroll up to 2 days early, or government benefits up to 4 days early with direct deposits⁴ • Free nationwide ATM network, including all PLS stores⁵ • Transfer money from your linked debit card or bank account⁶ • Send and receive money using the SendMoney feature • Keep your money safe - lock and unlock your card⁷, contactless chip-enabled card, receive fraud text alerts⁸ • Free reloads at PLS when you load cash onto your Xpectations! Plus Debit Card⁹ Visit PLScard.com to learn more or stop into any PLS store to apply for an Xpectations! Plus Debit Card. Most stores open 24/7. Online access and identity verification (including Social Security, TIN or select US ID type or Foreign ID types) is required for card activation and to open an account. Mobile number or email address verification and mobile app are required to access all features. 1. Monthly fee waived whenever you receive payroll or government benefits direct deposits of $500 or more in the previous monthly statement period. Otherwise, $5 per month. 2. There are no pay per use fees on purchase transactions when you use your Xpectations! Plus Debit Card. 3. Up to $300 overdraft protection with opt-in and eligible direct deposits. Fees, terms, & conditions apply 4. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on fi­le with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account. 5. See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply. 6. Customer can transfer their funds from another debit card or bank account to their Xpectations! Plus Debit Card account in minutes for a small fee. Limits apply to bank transfers and are subject to your bank’s restrictions and fees. Bank account verification services provided by Plaid. Activated, personalized debit card required to make a bank transfer. See Deposit Account Agreement for terms and conditions. 7. Previously authorized transactions and deposits/transfers to your account will function with a locked card. 8. Message and data rates may apply. 9. There is no charge for cash reloads at PLS Check Cashers locations. Individual retailers other than PLS Check Cashers locations may charge a fee. 10. Activated personalized card, savings vault and enrollment are required. Purchases made using your debit card are rounded to the nearest dollar and the difference is automatically transferred to the designated savings vault. PLS may cancel or modify Savings Round Up at any time without prior notice. Transfers may be voided if the debit account does not possess sufficient funds. 11. Interest paid quarterly on the average daily balance of savings during the quarter up to a $10,000 average daily balance and if the account is in good standing.  Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) and 0.99% interest rate are accurate as of September 2025. APY and interest rate may change before or after you open an account. See Deposit Account Agreement for terms and conditions.