Making Monthly Payments Easier with RENT ASSURANCE™ and Western Union® MoneyWise™ Prepaid MasterCard®

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. With Enrollment in Rent Assurance™ Residents Will Receive a Free Western Union® MoneyWise™ Prepaid MasterCard® Exclusive benefits and important cost savings opportunities include: Eliminates check-chasing fees for your residents Eliminates the need to purchase money orders to pay for rent and other monthly bills Can save your residents up to $600 a year with enrollment in NPS Speeds up NPS refunds for excess funds and remainder of pay Easiest solution for NPS residents with only one direct deposit $10 bonus when residents activate and initiate a direct deposit to the card Provides all the great MasterCard benefits

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. The Western Union MoneyWise Prepaid MasterCard Puts Money Back in Your Residents’ Pockets! $400+ for residents who pay by money order $120 for residents who are hit with low balance bank fees Cost/ Payment Option NPS Rent Assurance Check Cashing and Money Orders Low-Balance Retail Checking Account Monthly Costs $15 NPS fee based on monthly rent of $700 $52 Estimated monthly cost to cash paychecks and buy money orders for $700 rent $25 Average bank fees for low-line checking accounts Annual Costs $180 $624 $300

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. Why the Western Union MoneyWise Prepaid MasterCard is Good for Your Residents Meaningful cost savings Most fee friendly card available today No credit check required Access to online shopping and bill pay anywhere MasterCard is accepted Increased retail purchasing power / convenience at millions of locations worldwide Purchase protection Cash back at retail locations Ability to load cash and send funds abroad at more the 44,000 Western Union locations Easiest method for NPS refunds Better than a bank account, manage money with ease!

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. Residents can sign up now for a separate direct deposit to their MoneyWise MasterCard and receive a FREE $10 bonus! Track their card balance and spending online or by phone Enjoy the benefits of on-time rent payments with Rent Assurance™ with online access to their account at The Western Union MoneyWise Prepaid MasterCard = Virtual Banking with Actual Value Rent Assurance & Western Union Make It Easy for Residents to Manage Their Money and Take Control of Their Finances!

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. SETTING UP DIRECT DEPOSIT TO THE WESTERN UNION MONEYWISE PREPAID MASTERCARD Direct deposits to the card are easy and FREE This is separate from their NPS direct deposit Residents can choose to have the remainder of their paycheck or a specified amount deposited directly to their prepaid MasterCard o Easiest solution for residents with only one direct deposit Residents will receive a $10 bonus for setting up a direct deposit to their Prepaid MasterCard Option during NPS enrollment (separate from their NPS - Rent Assurance Deposit): Use drop down menu on online application Select amount resident would like direct deposited to their prepaid card Information will be printed under Bank #2 on their NPS Direct Deposit Form Resident submits direct deposit form to employer to complete the process

Bank # 1 Century Bank (NPS account) deposit Bank #2 Meta Bank (Western Union) deposit

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. ACTIVATING THE CARD NPS REFUNDS NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay etc. NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. Residents receive their card approximately 7 days after enrollment Remind residents to follow the directions on the card to activate immediately to start taking advantage of all of the benefits

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FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. WESTERN UNION MONEYWISE PREPAID MASTERCARD ENROLLMENT PROCESS FOR NON-NPS RESIDENTS As an added community benefit all residents are eligible to receive a Western Union MoneyWise Prepaid MasterCard Go to: to sign up or enroll in business office with staff help Residents will receive a $10 bonus for setting up a Direct Deposit to their Prepaid MasterCard – (promo code required) ESTIMATED SAVINGS FOR YOUR RESIDENTS $400+ for residents who are unbanked and pay by money order $120 for residents who are hit with low balance bank fees

14 Promo code NPS101 designates your property company. Non-NPS residents need it to receive the $10 direct deposit offer

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FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. FREQUENTLY ASKED RESIDENT QUESTIONS Q: Why is NPS giving me a free Prepaid MasterCard? A: Two reasons: First, your prepaid card offers the fastest way for us to send you refunds, and it’s a less expensive and more environmentally-friendly option than sending paper checks. Second, as a company, NPS is committed to helping our customers save money and build financial independence. Paying rent on time is the first step. Having your rent payment reported to a credit bureau helps. Using a prepaid MasterCard saves you more money when compared to check-cashing fees and the increasing costs of traditional retail checking accounts—all adding convenience to your payment needs. Q: Is there a monthly fee for using the card? A: No, unlike other prepaid cards or banks, there are no monthly maintenance fees, no purchase transaction fees, and no overdraft or late payment fees. Q: Where can I use my card? A: You can use your card anywhere Debit MasterCard is accepted. You can even get cash back at many retailers for no additional fee.

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. FREQUENTLY ASKED RESIDENT QUESTIONS (continued) Q: Why would I want to set up a direct deposit to my card? A: For enrolling in direct deposit you receive a $10 bonus! There is no credit check or bank account required for the card. As you spend, you can easily track your balance online at westernunion.com/NPS. And it’s free! Q: Can I use my prepaid card in any other way at my community? A: Your card provides a more convenient option to pay any expense where you would typically use a check or money order, for example paying your utilities. Q: How can I add money to my card? A: There are 4 ways: 1.Sign up for direct deposit 2.Transfer money directly from your bank account 3.With cash at one of 43,000 Western Union Agent locations 4.With a Western Union Money Transfer transaction

FREE WESTERN UNION® MONEYWISET PREPAID MASTERCARD WITH ENROLLMENT  NPS users will get a FREE Western Union® MoneyWiseT Prepaid MasterCard®  Residents will agree that their information will be shared with Western Union®  Resident will receive their card in the mail approximately 7 days after NPS enrollment  Activate card immediately to start taking advantage of all the great benefits  Preferred method for NPS refunds  Accepted anywhere Debit MasterCard is accepted, including online and at ATM’s  Virtual banking in your pocket  Free payroll direct deposit directly to your Prepaid MasterCard  Load cash at participating Western Union Agent locations  No bank account or credit check required  Manage your account online or over the phone  Protected by MasterCard’s Zero Liability Policy ACTIVATING YOUR CARD  Call # NPS REFUNDS  NPS will refund excess funds to a resident’s Western Union MoneyWise Prepaid MasterCard in the event of an extra pay period in a month OR if the resident is aware of excess funds in their account for other reasons, such as vacation pay  NPS will speak with the community before returning excess funds to a resident to determine if the resident owes money to the community for heat, water, etc. 24/7 RESIDENT ACCESS TO NPS ACCOUNTS VIA THE WEB OR BY CALLING TOLL-FREE AT Remind NPS enrolled residents to create a loginon the website to check direct deposits and account balances, and to request refunds when available* *All refunds must be approved by the community * Residents can create a login once they see on their paystub that their first direct deposit has been sent to NPS