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

2. 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.

3. The Western Union MoneyWise Prepaid MasterCard Retail Checking Account
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.

4. Better than a bank account, manage money with ease!
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.

5. Rent Assurance & Western Union Make It Easy for Residents to Manage Their Money and Take Control of Their Finances!
 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
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.

6. Direct deposits to the card are easy and FREE
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
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
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.

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

8. ACTIVATING THE CARD NPS REFUNDS
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
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.

12. ESTIMATED SAVINGS FOR YOUR RESIDENTS
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
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.

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

16. 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.

17. 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:
Sign up for direct deposit
Transfer money directly from your bank account
With cash at one of 43,000 Western Union Agent locations
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.

18. 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
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.