1ERO approval for the River City Bank Tax Division program does not guarantee approval to offer the Freedom Advance. Qualifications will apply. Freedom Advance is an optional
fixed-term loan offered by River City Bank, Member FDIC. The Freedom Advance principal loan amount, applicable interest and any fees will be deducted from federal and state
tax refund proceeds. Freedom Advance is not an actual federal or state tax refund. Applying for a Freedom Advance does not guarantee approval. Qualifications and restrictions
apply and all applicants may not be eligible for Freedom Advance. Freedom Advance principal amounts offered are $1,000, $2,000, $3,000 or $5,000 based on certain qualifications
and the expected tax refund amount. Freedom Advance loans in the principal amount of $1,000 have an APR of 0.00%. Freedom Advance loans in the principal amounts
of $2,000, $3,000 or $5,000 have an APR of 26.07% based on a 21-day term. A Freedom Advance loan with a principal amount of $2,000, $3,000 or $5,000 has an origination
fee. Taxpayers eligible for a Freedom Advance loan in the principal amount of $2,000, $3,000 or $5,000 may opt for a $1,000 Freedom Advance loan to avoid interest. Refund
Transfer fees may also apply. Freedom Advance and PreAck Freedom Advance will not be available with all tax software providers.
2EROs who choose Freedom to Optimize and qualify to offer the Freedom Advance must have a 0% outstanding Advance balance as of June 1, 2019 to be eligible for rebate.
Rebate not available in all states depending on tax software provider. Base rebate for each fully funded federal product is $10.00 and may increase to $12 with volume requirements.
3 ERO will pay a fee to the bank for each approved advance; $55 for Freedom Advances approved beginning January 2 and $40 for Freedom Advances approved after the release
of the first IRS acknowledgements. The bank prohibits this fee from being passed to the taxpayer.