For more information on your STATravel Prepaid Card visit:www.statravel.com/cash-card.htm

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STA Travel ISICPrepaid MasterCard®

Schedule A – Cardholder Feesand Transaction Limits

ISIC_US_SCA_0715

Name of the Fee Description(s) of this Fee on Statement When You Are Charged Amount How to Minimize or Avoid the Fee

Value Load/Reload Fees:

Foreign Currency Conversion Fee - Foreign Currency ConversionEach time you obtain funds at an ATM or make a purchase outside the U.S.

6.5% of the USD($) equivalent transaction

You may view other publicly available FX rates in your locale to see whether there are better rates available.

ATM Fees:

ATM Withdrawal (International and Domestic ATMs)

Fee – Domestic ATM Cash WithdrawalFee – ATM Withdrawal DomesticFee – International ATM Cash WithdrawalFee - ATM Withdrawal International (with currency conversion)

Each time you withdraw cash from an ATM. You may also be charged an additional fee/surcharge by the ATM operator or any network used to complete the transaction.

$2.50

ATM Balance Inquiry (International and Domestic)

Fee – Domestic ATM Balance InquiryFee – ATM PIN Balance Inquiry International (with currency conversion)Fee – ATM PIN Balance Inquiry International

This fee is charged each time you request your Card balance using an ATM regardless of whether you also conduct a cash withdrawal.

$1.00

Track your Card balance online at no charge or call customer service at no charge. You can also monitor your balance via SMS (Standard cellular telephone carrier messaging and data fees may apply)

Service Fees:

Check Issuance Upon Closure Fee – Issue CheckEach time a check is issued to refund all or a portion of the balance of the card after a Card closure.

$10.00 Spend the balance on your Card to $0.00.

Inactivity Fee Fee - Card Inactivity

If you do not use your Card to initiate a purchase, cash withdrawal or load transaction for six(6) months, the fee will be assessed monthly thereafter until you conduct one of these transactions or your balance is depleted to zero.

$5.95Continue to use your Card at least once every six (6) months or close your Card and we will refund your balance by check.

Potential Third Party Fees:

Card PurchaseWhen you apply for your Card. This charge is paid upfront to the Card distributor, and will not appear on your statement.

$10.00

Dynamic Currency Conversion

Fees charged by others may not appear on your statement or when accessing your transaction history online.

Merchants and third party networks may assess a fee for each purchase made overseas where they offer you the option to pay in US dollars. This represents a currency conversion fee to you.

May Vary

To minimize additional fees, avoid paying for transactions in US dollars when the local currency is not US dollars. Inquire with the merchant prior to transacting.

Retail Cash Load FeesThird party reload networks (e.g. Green Dot) may assess a fee for each load. Be sure to ask about the cost before conducting the load.

May VaryLoad/Reload your Card using ACH from your Bank account (Bank to Card transfer), or Debit Card to Card transfer.

ATM Surcharge FeeThird party ATM networks or operators may charge a fee each time you withdrawal funds from an ATM.

May Vary

This Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license by MasterCard International Incorporated. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and fee schedule at www.myisic.com or www.statravel.com.If you have any questions regarding the Card or such fees, terms, and conditions, you can contact us at the toll-free at 1-855-407-6688.

Card Activity Limits

Activity Time frame

Cash withdrawals (ATM, International) May not exceed $300.00 24 Hours

Cash withdrawals (ATM, Domestic) May not exceed $500.00 24 Hours

Purchases May not exceed $2,500.00 24 Hours

NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES BE RESOLVED BY WAY OF BINDING ARBITRATION UNLESS YOU OPT-OUT AS DETAILED IN THE ARBITRATION SECTION OF YOUR CARDHOLDER AGREEMENT.

Card Limits**

Maximum cumulative amount of all loads in any 24-hour period May not exceed $5,000.00

Maximum balance of Card Account at any time (“Maximum Balance”) May not exceed $10,000.00

** We may increase or decrease these limits or add additional limits from time to time in our sole discretion. We reserve the right to accept or reject any request to reload value to the Card if we reasonably suspect the Card is being used for prohibited purposes. The Card may only be reloaded where the reloads are in the Cardholder’s name. We will provide advance notice of such changes when required by Law.

*** If you move to one of these states your Card may be closed and the any remaining balance will be returned to you.

States Where the STA Travel ISIC Prepaid MasterCard® is not offered***

Connecticut New Hampshire

Rhode Island Vermont

www.statravel.com/cash-card.htm

Effective from: October 1st 2015.