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Overview
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The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay money, up to a maximum amount determined by the bank. Use it year-round for emergencies, car repairs, bills and other short-term credit needs. Only borrow the specific amount you need.

H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® are offered through, and H&R Block Emerald Prepaid MasterCard is issued by, H&R Block Bank, a Federal Savings Bank, Member FDIC. Line of credit is subject to credit and underwriting approval. Fees apply. If you apply and qualify for an Emerald Advance, H&R Block Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Products offered only at participating offices. MasterCard is a registered trademark of MasterCard International Incorporated. ©2013 HRB Tax Group, Inc.

About Emerald Advance

How to use

Manage Your Account

Fees and Terms

Benefits of the Emerald Advance^®

Access your transferred funds with the H&R Block Emerald Prepaid MasterCard^®
Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose
Significantly lower fees than payday lenders
Access to credit year-round
Activity reported to the credit bureaus so good payment history can help you build credit!

How do I apply?

This product is not available in H&R Block tax offices at this time.

Transfer Money from Your Emerald Advance^® to Your Emerald Card^®

Call the number on the back of your H&R Block Emerald Prepaid MasterCard^® at 1-866-353-1266 and follow the prompts. You can also make a transfer with the Emerald Card Mobile Banking App™. Download it at www.hrblock.com/mobile.

Monthly Payments

You will receive a monthly statement notifying you of your minimum payment amount and payment due date. You can make a payment in one of the following ways:

Automatic Payment: If you enrolled in auto payment, be sure to load enough money to your Emerald Card or bank account prior to the 15th of the month to cover your payment.

Check: Mail a check or money order to H&R Block Bank, PO Box 30040, Tampa, FL, 33630 -3040.

Transfer: Call 1-866-353-1266 or use the Emerald Card Mobile Banking App™ to authorize a payment from your Emerald Card to your Emerald Advance line of credit.

Tax Refund: If you choose to have your taxes prepared by H&R Block, you may specifically direct us to use a portion of the proceeds of your tax refund to pay down your Emerald Advance.

MoneyGram^®: Visit any MoneyGram location to make a payment on your Emerald Advance. At the MoneyGram counter, request the MoneyGram Express Payment Service blue form. Enter Receive Code 10479 and your Emerald Advance account number on the form. Provide the cashier with enough money to cover the payment amount plus the $2.99 service charge.

PayNearMe: Visit any 7-Eleven location to make a cash payment with PayNearMe. Tell the cashier the amount you wish to pay ($2.99 fee will be added). Present your PaySlip to the cashier. You can access your PaySlip on your monthly statement or by downloading the Emerald Card Mobile Banking App™ at www.hrblock.com/mobile.

Access Money Year-round

If approved, you are eligible to maintain your Emerald Advance year-round in one of the following ways:

Savings Secured Line of Credit

You could build your credit score! Account activity reported to credit bureaus
Pay only 9% APR on revolving balances
Earn a competitive interest rate on the funds deposited in your Emerald Savings account

Partial Savings Secured Line of Credit

Make on-time payments to be considered for higher credit limits over time
You could build your credit score! Account activity reported to credit bureaus
Pay only 18% APR on revolving balances
Earn a competitive interest rate on the funds deposited in your Emerald Savings account

Unsecured Line of Credit

Receive a $350 credit limit
You could build your credit score! Account activity reported to credit bureaus
Use it as an emergency fund, for monthly bills or anything else you choose!

Access Account Information

To access information for your Emerald Advance such as amount available to transfer, outstanding balance and minimum payment amount call 1-866-353-1266 and follow the prompts. Or visit www.ezcardinfo.com to view your account information online.

Emerald Advance Fees

Finance Charge — Assessed only on the amount transferred from your Emerald Advance line of credit to your Emerald Card. Finance charges begin the day of transfer.

$45 Annual Fee — Assessed on the day the Emerald Advance is opened. A subsequent annual fee of $30 will be assessed in the anniversary month of the month your first annual fee was assessed.

$5.00 Late Payment Fee — Payment received after the monthly payment due date will be subject to a late payment fee with a maximum annual fee of $25.00.

$20 Returned Check Fee — May be assessed if the check used to make a payment on the Emerald Advance is returned from the financial institution on which the check is drawn.

Emerald Advance Auto-Pay Request Form

H&R Block Bank offers an optional automatic payment plan that is a convenient way for you to make each required monthly minimum payment on your Emerald Advance and help you avoid late charges. Mail or fax completed form to:

H&R Block Bank

P.O. Box 10170

Kansas City, MO 64171-0170

FAX: 816-817-0956

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Emerald Advance Terms & Conditions

Explains the terms and conditions associated with the Emerald Advance line of credit.