December Dollars Advance Details
Taxpayer Information	Retain loyal customers by offering this loan option! $100, $200, or $300 loan amounts Taxpayer's net refund must be at least $2,000 to apply Available for disbursement on an instant issue Netspend Card or direct deposit Advance is repaid upon receipt of the refund There will be a charge to the taxpayer Customers can choose to get pre-qualified6 for an Easy Advance starting in January! Emails and text messages from Republic Bank will be sent out to the taxpayers who applied for the December Dollars Advance with their loan status and the pre-approval information if applicable.
ERO Information	Republic is the only bank offering option! ERO will opt-in on the TIC to participate in the program Eligibility based on prior year funding and loan loss requirements ERO fee will be deducted from tax preparation fees

Easy Advance Options
Easy Advance Plus8	Choose the Easy Advance Plus option and offer loan amounts of $6,000, $4,500, $3,000, $2,000, $1,500, $1,000 or $500 based on the taxpayer’s net refund. Customers choose their loan amount and pay the associated Finance Charge. ERO pays same fees for all approved Easy Advances. Available to new and returning EROs.
Easy Advance Customer Pay9	$500 to $3,000 loan amounts based on the taxpayer's net refund. No charge to the ERO. Customers choose their loan amount and pay the associated Finance Charge.
preACK Easy Advance10	Offer an advance before e-file starts! Issue money to your approved customers at the beginning of January before the IRS even opens. Add-on to any Easy Advance program offered by your software.

EASY100 Advance Details
Taxpayer Information	There is no underwriting or approval process with our new EASY100 Advance. Your eligible customers just need their tax return to be acknowledged by the IRS and they can receive this $100 no fee advance within 24 hours! No additional cost to the customer Available for disbursement on an instant issue Netspend Card or direct deposit12 Advance is repaid upon receipt of the refund Available with or without an Easy Advance or Refund Transfer
ERO Information	Republic is the only bank offering this option! ERO will opt-in on the TIC to participate in the EASY100 Advance program Participating EROs will forfeit the Netspend prepaid card incentive(s) and RT Direct Deposit Standard Incentive for each approved taxpayer.

1. A Refund Transfer is a fee-based product offered by Republic Bank & Trust Company, Member FDIC. A Refund Transfer Fee and all other authorized amounts will be deducted from the taxpayer’s tax refund. Pricing and rebates vary by software.

2. An ERO office will receive a rebate of $10 for each Netspend Card, up to 10 (ten) cards, or $15 if the office volume is 11 (eleven) or greater, for all cards issued and funded by a Refund Transfer with at least $50 between January 1, 2025 - May 31, 2025 (the “promotional period”). This offer is from Republic Bank & Trust Company. Not all software providers participate in the rebate program. Netspend or Visa are not affiliated in any way with this offer and do not endorse or sponsor this offer.

All incentives calculated on May 31, 2025 and paid by June 30, 2025. Incentives are at the bank's discretion and dates are subject to change.

3. The Netspend Visa Prepaid Card is issued by Republic Bank & Trust Company, Member FDIC pursuant to a license from Visa U.S.A. Inc. Ouro Global, Inc. is a registered agent of Republic Bank & Trust Company. This card may be used everywhere Visa debit cards are accepted. Card use is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement at www.republictaxpayer.com/terms for details.

4. ERO offices that choose RT Basic are not eligible for rebates or any Easy Advance or EASY100 Advance program.

5. EROs must be enrolled for Republic Bank's Refund Transfer Program and meet prior year funding and loan loss requirements to offer the December Dollars Advance. Cost to ERO per approved December Dollars Advance will be deducted from ERO tax preparation fees and cannot be passed to the taxpayer.  If approved, a Finance Charge will apply to the Taxpayer.  Net Refund refers to the taxpayer’s expected refund amount after deduction of all fees. Please check with your software provider for availability as some options may not be offered. All information is as of June 2024 and is subject to change.

6. Taxpayer is not obligated to apply for an Easy Advance if they return to the office. The Easy Advance pre-qualified offer made by Republic Bank & Trust Company is non-transferable. Applicant must be recipient of offer, be over 18 years of age (19 in AL and NE), have a physical address in the U.S. and present acceptable collateral of a sufficient expected federal refund minus authorized fees. Approval is not guaranteed and is dependent on Republic’s verification that you the taxpayer continues to satisfy the pre-qualified offer criteria including verification of a sufficient federal tax refund, verification of identity and verification that you the taxpayer has not applied for other tax refund related loans.

7. ERO must be enrolled for Republic Bank's Refund Transfer Program to offer the Easy Advance programs. Cost to ERO per approved Easy Advance will be deducted from ERO tax preparation fees and cannot be passed to the taxpayer. If a customer does not choose a Refund Transfer, disbursement options are direct deposit or prepaid card. Net Refund refers to the taxpayer's expected refund amount after deduction of all fees. All information is as of June 2024 and is subject to change.

8. Easy Advance Plus losses in excess of 4% may result in forfeiture of ERO incentives.

9. Easy Advance Customer Pay losses in excess of 2% may result in forfeiture of ERO incentives.

10. There will be a charge to the ERO for each approved preACK Easy Advance.

11. ERO must be enrolled for Republic Bank’s Refund Transfer Program to offer EASY100 Advance. There is no cost to the ERO per approved EASY100 Advance. However, incentives will be forfeited for each approved taxpayer. The IRS must acknowledge the tax return to fund. Please check with your software provider for availability. EASY100 Advance will end on April 15, 2025.

12. EASY100 Advance proceeds are typically available within 24 hours of IRS acceptance of tax return, however, if direct deposit is selected it may take additional time for the financial institution to post the funds to your account.