CCTC Card Information for Students Lauren Perry Client Relations Specialist

Intro Introductions Topics covered Questions Who is Higher One, What is the CCTC Card? Refund Choices Account Information Resources to get help & provide feedback Questions 2

One Focus: Higher Education For students: Higher One offers choice as to how students receive financial aid refund disbursements Provide more options and faster refund delivery to more than 6 million students For the college: Higher One streamlines operations and provides efficiency Serve more than 1,250 campuses around the country Higher One’s partnership with the school serves two purposes: 1. Helps streamline operations, increase efficiency and increase cost avoidance for the college/business office 2. Improves student services by either providing faster access to disbursement funds or making payments more easily Started by 3 college students: by students, for students. OFFERS CHOICE 3

What is the CCTC Card? Once you receive your card and envelope in the mail, log on to CCTCCard.com to select the refund option of your choice. Use the card as the tool to select your refund preference. If you choose Same Day Deposit to the optional OneAccount, the card then becomes a Debit MasterCard linked to that account. More later on how to access and spend the money in the OneAccount. 4

Your refund options Students have THREE (3) FREE refund disbursement options: Same day deposit to a Higher One checking account Deposit to a domestic bank account of your choice Paper check Regardless of which option you choose, the first step is entering the 16-digit card number on CCTCCard.com. Verify your information, then you are presented with your options: Same day deposit to the OneAccount –Arrives in your OneAccount the same day Higher One receives it ACH Direct Deposit --Students will need account & routing number > print a form > student must sign and either fax or mail to Higher One; Disbursements arrive to your account 1-3 days after Higher One disburses it. PRINTED FOR REQUIRED FOR PRIVACY AND SECURITY OF STUDENTS (INK SIGNATURE) Paper check – arrives in 5-7 days via USPS 5

The OneAccount Higher One’s flagship account, designed to be used for free Fully functioning FDIC Insured Checking Account No minimum balance requirements, no monthly fees OneAccount features: Free Online Banking & real-time account activity Free Online Bill Pay Higher One ATMs on campus Transfer Money – Peer-to-Peer, or friends and family Mobile Alerts Text to Balance – text “BAL” to 67298 (O-PAY-U) Low Balance Alert Refund Notification 6

Using the Money in your Higher One checking account for free Swipe & Sign Withdraw cash from Higher One CDMs Transfers: OneAccount to OneAccount Online Bill Pay Swipe & Sign Make purchases anywhere MasterCard is accepted The key word is “credit” not “debit” Swipe your card and sign the receipt You won’t be charged a PIN fee Covered under MasterCard Zero Liability Policy against fraudulent transactions, something you don’t get when entering your PIN Online Bill Pay Select “Online Bill Pay” from the sub-menu listed under the Transfers & Payments tab The Easy Help page provides complete step-by-step instructions on how to Add a Recipient, Schedule One-Time Payments, Edit a Recipient, Delete a Scheduled Payment and Delete a Recipient Pay a bill/company, another individual and even schedule a one-time payment to yourself. Transfers: OneAccount to OneAccount Select Transfer Money from the sub-menu listed under the transfer & Payments tab Identify the individual to whom you wish to send money by entering their email address Enter the amount and where applicable, select the appropriate account to be debited Immediately available for spending and completely free Withdraw cash from Higher One ATMs Find the closest in service ATM on Easy Help and StudentRefundCard.com. Insert your card, enter your PIN and select ‘Checking’ and not ‘Credit Card;’ your card is not a credit card, it is a debit card associated with your account Withdraw up to $500/day 7

Avoid fees The fee schedule is available within one click on ANY page of the banking web site. First shows services available at NO COST. Lists the service, the fee, why the fee is assessed and how to avoid it. OneAccount Fee Schedule

Student Resources Fastest way to get questions answered One For Your Money Facebook HigherOne.com/oneforyourmoney or OneForYourMoney.com Word-of-mouth & financial literacy program Students are welcome to share feedback and learn about money management from financial literacy and consumer advocate, Mary Johnson YouTube Channel Student video testimonials 8-part “orientation series” Easy Help℠ FAQ database has been enhanced to allows students to easily search for answers to the most commonly asked questions. Fastest way to get questions answered Available 24 hours a day, 7 days a week Students with confirmed email address can ask a question, answered by Customer Care rep via email Facebook Fan Page – facebook.com/higherone get info, comment & provide feedback Activation Demo Step by step instructions on how to set up your preference YouTube Easy Help 9

Important info for students Check the status of your card online Log in and learn your disbursement status Find the fee schedule in one click on the program web site Change your refund preference at any time www.CCTCCard.com 10

Recap Students have a CHOICE! Higher One has a variety of resources and tools available to students Everyone should select a disbursement preference Higher One checking accounts can be used forever, even when you no longer attend CCTC Students have choices for receiving disbursements THEY ARE ALL FREE Higher One offers many resources for students including OneForYourMoney YouTube Video Series Activation Demo Everyone MUST select a disbursement preference this helps make sure students get their money on time Important to keep your address up to date with your school The OneAccount can be used forever, even after you no longer attend CCTC 11