Your amended return checklist

Just follow these steps and you’re done!

1 If you’re amending a state return, separate it from your federal return

and follow the instructions
Your returns will print together, so you’ll need to separate them. Both returns start
with an instruction sheet featuring the Intuit TurboTax logo on the top right.

If you added or changed a tax form (like a W-2), attach a copy to each return.
If a copy of your federal return is printed under your state return, attach the federal
copy to your state return.

2 Sign and date your return(s)

You’ll have to sign and date at the bottom of your return(s). Your federal return is
named Form 1040X. If you’re filing a state return, the form is located right after the
state instructions sheet.

3 If you have a balance due, pay online or send a check with your return
You can pay your federal taxes online at www.irs.gov/payments.

If you’re getting a refund, you’ll get a paper check in the mail.

4 Write the correct address on your envelope(s)

You can find the mailing address for your federal return on the federal instructions sheet. If
you’re filing a state return, the address is listed on the state instructions sheet.

5 Drop your return(s) off at the post office

We recommend sending your return(s) by certified mail to ensure correct postage
and proof of delivery.

That’s it! Here are a few things to keep in mind after you mail your returns:

• Your amended returns will take 12-16 weeks to process.

• You can track your federal amended return at https://www.irs.gov/filing/wheres-my-
amended-return.
• If you used a paid version of TurboTax, you’ll be able to access your amended return at any
time. When you log in to TurboTax, scroll down on Tax Home, and click on My Docs to
download a copy.
 I Detach Here and Mail With Your Payment I
Calendar Year '
Department of the Treasury
Internal Revenue Service Due 04/15/2024 2024 Form 1040-ES Payment Voucher 1
File only if you are making a payment of estimated tax by check or money order. Mail this Amount of estimated tax
voucher with your check or money order payable to the 'United States Treasury.' Write your
social security number and ' 2024 Form 1040-ES' on your check or money order. Do not send you are paying by check
cash. Enclose, but do not staple or attach, your payment with this voucher. or money order . . . . . . . . . . G 813.
REV 10/07/24 INTUIT.CG.CFP.SP 1555

197-54-0749
NATHANIEL MORRIS
INTERNAL REVENUE SERVICE
615 SHARON LN PO BOX 802502
PHILADELPHIA PA 19115-3516 CINCINNATI OH 45280-2502

197540749 UD MORR 30 0 202412 430

 I Detach Here and Mail With Your Payment I
Calendar Year '
Department of the Treasury
Internal Revenue Service Due 06/17/2024 2024 Form 1040-ES Payment Voucher 2
File only if you are making a payment of estimated tax by check or money order. Mail this Amount of estimated tax
voucher with your check or money order payable to the 'United States Treasury.' Write your
social security number and ' 2024 Form 1040-ES' on your check or money order. Do not send you are paying by check
cash. Enclose, but do not staple or attach, your payment with this voucher. or money order . . . . . . . . . . G 813.
REV 10/07/24 INTUIT.CG.CFP.SP 1555

197-54-0749
NATHANIEL MORRIS
INTERNAL REVENUE SERVICE
615 SHARON LN PO BOX 802502
PHILADELPHIA PA 19115-3516 CINCINNATI OH 45280-2502

197540749 UD MORR 30 0 202412 430

 I Detach Here and Mail With Your Payment I
Calendar Year '
Department of the Treasury
Internal Revenue Service Due 09/16/2024 2024 Form 1040-ES Payment Voucher 3
File only if you are making a payment of estimated tax by check or money order. Mail this Amount of estimated tax
voucher with your check or money order payable to the 'United States Treasury.' Write your
social security number and ' 2024 Form 1040-ES' on your check or money order. Do not send you are paying by check
cash. Enclose, but do not staple or attach, your payment with this voucher. or money order . . . . . . . . . . G 813.
REV 10/07/24 INTUIT.CG.CFP.SP 1555

197-54-0749
NATHANIEL MORRIS
INTERNAL REVENUE SERVICE
615 SHARON LN PO BOX 802502
PHILADELPHIA PA 19115-3516 CINCINNATI OH 45280-2502

197540749 UD MORR 30 0 202412 430

 I Detach Here and Mail With Your Payment I
Calendar Year '
Department of the Treasury
Internal Revenue Service Due 01/15/2025 2024 Form 1040-ES Payment Voucher 4
File only if you are making a payment of estimated tax by check or money order. Mail this Amount of estimated tax
voucher with your check or money order payable to the 'United States Treasury.' Write your
social security number and ' 2024 Form 1040-ES' on your check or money order. Do not send you are paying by check
cash. Enclose, but do not staple or attach, your payment with this voucher. or money order . . . . . . . . . . G 813.
REV 10/07/24 INTUIT.CG.CFP.SP 1555

197-54-0749
NATHANIEL MORRIS
INTERNAL REVENUE SERVICE
615 SHARON LN PO BOX 802502
PHILADELPHIA PA 19115-3516 CINCINNATI OH 45280-2502

197540749 UD MORR 30 0 202412 430

Consent to disclose your information for the refund advance loan and for a checking
account with Credit Karma Money™

We’re going to disclose the tax information described from your 2022 tax return to Credit
Karma, MVB Bank, Inc. (the issuer of Credit Karma Money), First Century Bank (the lender),
BorrowWorks (the lender service provider) and Intuit Financing, Inc. (a loan program funder),
to process and fund your Refund Advance loan, administer, and communicate with you
regarding the loan program and to issue and manage a checking account with Credit Karma
Money™ for you.

Federal law requires this consent form be provided to you. Unless authorized by law, we
cannot disclose your tax return information to third parties for purposes other than the
preparation and filing of your tax return without your consent. If you consent to the disclosure
of your tax return information, Federal law may not protect your tax return information from
further use or distribution.

You are not required to complete this form to engage our tax return preparation services. If we
obtain your signature on this form by conditioning our tax return preparation services on your
consent, your consent will not be valid. If you agree to the disclosure of your tax return
information, your consent is valid for the amount of time that you specify. If you do not specify
the duration of your consent, your consent is valid for one year from the date of signature. If
you believe your tax return information has been disclosed or used improperly in a manner
unauthorized by law or without your permission, you may contact the Treasury Inspector
General for Tax Administration (TIGTA) by telephone at 1-800-366-4484, or by email at
complaints@tigta.treas.gov.

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I agree

Taxpayer First Name _______________________

NATHANIEL

Taxpayer Last Name _______________________

MORRIS

Today’s Date _______________________

01/16/2024

Spouse First Name _______________________

Spouse Last Name _______________________

Today’s Date _______________________

Qualifying is not based on your credit score

REV 10/07/24 Intuit.cg.cfp.sp

Does applying for Refund Advance impact my credit?

This will not impact your credit score. Also, your credit is not one of the factors that goes into
prequalifying for Refund Advance.

What information are you sharing?

We’re sharing the following information with First Century Bank (the lender), BorrowWorks (the
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Personal and contact information for primary filer and, if applicable, spouse: first and last
name; Social Security number; date of birth; address (street, city, state, zip, country); email
address; phone number; number of dependents; EFIN; military paygrade; driver’s license or
state ID number.

Filing and preparation information: federal and state tax return type; tax year; filing status and
history; whether you are filing IRS Forms 4136, 1310 or 8888; when you agree to this
disclosure consent; when the IRS and state accepted the return; the IRS and state
acknowledgement code for the return.

Information about personal and business income, deductions, credits, losses and expenses:

● Income and gain from any source (such as wages, tips, pensions, rental income, and capital
gains), and related forms (such as Forms W2 and 1099); adjusted gross income; taxable
income
● All deductions, credits and benefits (such as standard deduction, itemized deductions like
charitable contributions, education credits, earned income tax credit, and dependent care
benefits), and related federal and state forms (such as Schedules A and C, and Form 8862)
● All losses and expenses (such as capital losses, theft losses, and business expenses) and
related federal and state forms (such as Schedule E and Form 4684)

Refund and tax liability information: current and prior tax year refund, if any, and how you
received or are receiving your refund; amount and type of all taxes paid or withheld for the
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Information regarding use of TurboTax, including methods and devices used to provide
information to TurboTax and TurboTax use history:

• Indicators on how you provided information to TurboTax

• Indicators regarding the device used to provide information to TurboTax

REV 10/07/24 Intuit.cg.cfp.sp

• Information about your TurboTax use, the amount paid for such product and your filing
history and status

REV 10/07/24 Intuit.cg.cfp.sp

 1040-X
Form Department of the Treasury—Internal Revenue Service

Amended U.S. Individual Income Tax Return OMB No. 1545-0074

(Rev. February 2024) Go to www.irs.gov/Form1040X for instructions and the latest information.
This return is for calendar year (enter year) 2023 or fiscal year (enter month and year ended)
Your first name and middle initial Last name Your social security number
NATHANIEL MORRIS 197-54-0749
If joint return, spouse’s first name and middle initial Last name Spouse’s social security number

Home address (number and street). If you have a P.O. box, see instructions. Apt. no. Presidential Election Campaign
615 Sharon Ln Check here if you, or your spouse
if filing jointly, didn’t previously
City, town, or post office. If you have a foreign address, also complete spaces below. State ZIP code
want $3 to go to this fund, but now
Philadelphia PA 191153516 do. Checking a box below will not
Foreign country name Foreign province/state/county Foreign postal code change your tax or refund.
You Spouse
Amended return filing status. You must check one box even if you are not changing your filing status. Caution: In general, you can’t
change your filing status from married filing jointly to married filing separately after the return due date.
Single Married filing jointly Married filing separately (MFS) Head of household (HOH) Qualifying surviving spouse (QSS)
If you checked the MFS box, enter the name of your spouse unless you are amending a Form 1040-NR. If you checked the HOH or QSS box,
enter the child’s name if the qualifying person is a child but not your dependent:
Enter on lines 1 through 23, columns A through C, the amounts for the return A. Original amount B. Net change—
reported or as amount of increase C. Correct
year entered above. previously adjusted or (decrease)— amount
Use Part II on page 2 to explain any changes. (see instructions) explain in Part II
Income and Deductions
1 Adjusted gross income. If a net operating loss (NOL) carryback is
included, check here . . . . . . . . . . . . . . . . 1 67,197. 0. 67,197.
2 Itemized deductions or standard deduction . . . . . . . . . 2 20,800. 0. 20,800.
3 Subtract line 2 from line 1 . . . . . . . . . . . . . . . 3 46,397. 0. 46,397.
4a Reserved for future use . . . . . . . . . . . . . . . . 4a
b Qualified business income deduction . . . . . . . . . . . . 4b 0. 0.
5 Taxable income. Subtract line 4b from line 3. If the result for column C
is zero or less, enter -0- in column C . . . . . . . . . . . . 5 46,397. 0. 46,397.
Tax Liability
6 Tax. Enter method(s) used to figure tax (see instructions):
Table 6 5,251. 0. 5,251.
7 Nonrefundable credits. If a general business credit carryback is included,
check here . . . . . . . . . . . . . . . . . . . 7 5,251. -3,251. 2,000.
8 Subtract line 7 from line 6. If the result is zero or less, enter -0- . . . 8 0. 3,251. 3,251.
9 Reserved for future use . . . . . . . . . . . . . . . . 9
10 Other taxes . . . . . . . . . . . . . . . . . . . . 10 0. 0. 0.
11 Total tax. Add lines 8 and 10 . . . . . . . . . . . . . . 11 0. 3,251. 3,251.
Payments
12 Federal income tax withheld and excess social security and tier 1 RRTA
tax withheld. (If changing, see instructions.) . . . . . . . . . 12 7,216. -7,216.
13 Estimated tax payments, including amount applied from prior year’s return 13 0. 0.
14 Earned income credit (EIC) . . . . . . . . . . . . . . . 14 0. 0.
15 Refundable credits from: Schedule 8812 Form(s) 2439 4136
8863 8885 8962 or other (specify): 15 9,705. -9,705.
16 Total amount paid with request for extension of time to file, tax paid with original return, and additional
tax paid after return was filed . . . . . . . . . . . . . . . . . . . . . . . . 16 0.
17 Total payments. Add lines 12 through 15, column C, and line 16 . . . . . . . . . . . . . 17 0.
Refund or Amount You Owe
18 Overpayment, if any, as shown on original return or as previously adjusted by the IRS . . . . . 18 16,921.
19 Subtract line 18 from line 17. (If less than zero, see instructions.) . . . . . . . . . . . . 19 -16,921.
20 Amount you owe. If line 11, column C, is more than line 19, enter the difference . . . . . . . 20 20,172.
21 If line 11, column C, is less than line 19, enter the difference. This is the amount overpaid on this return 21
22 Amount of line 21 you want refunded to you . . . . . . . . . . . . . . . . . . . 22 0.
23 Amount of line 21 you want applied to your (enter year): estimated tax 23
Complete and sign this form on page 2.
For Paperwork Reduction Act Notice, see separate instructions. Form 1040-X (Rev. 2-2024)
Form 1040-X (Rev. 2-2024) Page 2
Part I Dependents
Complete this part to change any information relating to your dependents. A. Original number
B. Net change—
of dependents C. Correct
This would include a change in the number of dependents. reported or as
amount of increase
number
Enter the information for the return year entered at the top of page 1. or (decrease)
previously adjusted
24 Reserved for future use . . . . . . . . . . . . . . . . 24
25 Your dependent children who lived with you . . . . . . . . . 25 7 -6 1
26 Reserved for future use . . . . . . . . . . . . . . . . 26
27 Other dependents . . . . . . . . . . . . . . . . . . 27 1 -1
28 Reserved for future use . . . . . . . . . . . . . . . . 28
29 Reserved for future use . . . . . . . . . . . . . . . . 29
30 List ALL dependents (children and others) claimed on this amended return.
Dependents (see instructions): (d) Check the box if qualifies for
(see instructions):
(b) Social security (c) Relationship
If more
(a) First name Last name number to you Child tax credit Credit for other
than four dependents
dependents, Nathaniel Morris 171-84-1732 Son
see
instructions
and check
here
Part II Explanation of Changes. In the space provided below, tell us why you are filing Form 1040-X.
Attach any supporting documents and new or changed forms and schedules.
Made mistake

Remember to keep a copy of this form for your records.

Under penalties of perjury, I declare that I have filed an original return, and that I have examined this amended return, including accompanying schedules
and statements, and to the best of my knowledge and belief, this amended return is true, correct, and complete. Declaration of preparer (other than
taxpayer) is based on all information about which the preparer has any knowledge.
Your signature Date Your occupation If the IRS sent you an Identity
Sign Protection PIN, enter it here
Here Security Guard (see inst.)
Spouse’s signature. If a joint return, both must sign. Date Spouse’s occupation If the IRS sent your spouse an
Identity Protection PIN, enter it here
(see inst.)
Phone no. (267)671-0255 Email address
Preparer’s name Preparer’s signature Date PTIN Check if:
Paid
Self-employed
Preparer
Firm’s name Self-Prepared Phone no.
Use Only Firm’s address Firm’s EIN
For forms and publications, visit www.irs.gov/Forms. REV 10/07/24 Intuit.cg.cfp.sp Form 1040-X (Rev. 2-2024)
BAA
 1040 U.S. Individual Income Tax Return 2023
Form Department of the Treasury—Internal Revenue Service

OMB No. 1545-0074 IRS Use Only—Do not write or staple in this space.

For the year Jan. 1–Dec. 31, 2023, or other tax year beginning , 2023, ending , 20 See separate instructions.
Your first name and middle initial Last name Your social security number
NATHANIEL MORRIS 197 54 0749
If joint return, spouse’s first name and middle initial Last name Spouse’s social security number

Home address (number and street). If you have a P.O. box, see instructions. Apt. no. Presidential Election Campaign
615 Sharon Ln Check here if you, or your
City, town, or post office. If you have a foreign address, also complete spaces below. State ZIP code spouse if filing jointly, want $3
to go to this fund. Checking a
Philadelphia PA 191153516 box below will not change
Foreign country name Foreign province/state/county Foreign postal code your tax or refund.
You Spouse

Filing Status Single Head of household (HOH)

Married filing jointly (even if only one had income)
Check only
one box. Married filing separately (MFS) Qualifying surviving spouse (QSS)
If you checked the MFS box, enter the name of your spouse. If you checked the HOH or QSS box, enter the child’s name if the
qualifying person is a child but not your dependent:

Digital At any time during 2023, did you: (a) receive (as a reward, award, or payment for property or services); or (b) sell,
Assets exchange, or otherwise dispose of a digital asset (or a financial interest in a digital asset)? (See instructions.) Yes No
Standard Someone can claim: You as a dependent Your spouse as a dependent
Deduction Spouse itemizes on a separate return or you were a dual-status alien

Age/Blindness You: Were born before January 2, 1959 Are blind Spouse: Was born before January 2, 1959 Is blind
Dependents (see instructions): (2) Social security (3) Relationship (4) Check the box if qualifies for (see instructions):
(1) First name Last name number to you Child tax credit Credit for other dependents
If more
than four Nathaniel Morris 171-84-1732 Son
dependents,
see instructions
and check
here . .

Income 1a Total amount from Form(s) W-2, box 1 (see instructions) . . . . . . . . . . . . . 1a 67,197.
b Household employee wages not reported on Form(s) W-2 . . . . . . . . . . . . . 1b
Attach Form(s)
W-2 here. Also c Tip income not reported on line 1a (see instructions) . . . . . . . . . . . . . . 1c
attach Forms d Medicaid waiver payments not reported on Form(s) W-2 (see instructions) . . . . . . . . 1d
W-2G and
1099-R if tax e Taxable dependent care benefits from Form 2441, line 26 . . . . . . . . . . . . 1e
was withheld. f Employer-provided adoption benefits from Form 8839, line 29 . . . . . . . . . . . 1f
If you did not g Wages from Form 8919, line 6 . . . . . . . . . . . . . . . . . . . . . 1g
get a Form
W-2, see
h Other earned income (see instructions) . . . . . . . . . . . . . . . . . . 1h 0.
instructions. i Nontaxable combat pay election (see instructions) . . . . . . . 1i
z Add lines 1a through 1h . . . . . . . . . . . . . . . . . . . . . . 1z 67,197.
Attach Sch. B 2a Tax-exempt interest . . . 2a b Taxable interest . . . . . 2b
if required. 3a Qualified dividends . . . 3a b Ordinary dividends . . . . . 3b
4a IRA distributions . . . . 4a b Taxable amount . . . . . . 4b
Standard
Deduction for— 5a Pensions and annuities . . 5a b Taxable amount . . . . . . 5b
• Single or 6a Social security benefits . . 6a b Taxable amount . . . . . . 6b
Married filing
separately, c If you elect to use the lump-sum election method, check here (see instructions) . . . . .
$13,850 7 Capital gain or (loss). Attach Schedule D if required. If not required, check here . . . . . 7
• Married filing
jointly or 8 Additional income from Schedule 1, line 10 . . . . . . . . . . . . . . . . . 8
Qualifying
surviving spouse, 9 Add lines 1z, 2b, 3b, 4b, 5b, 6b, 7, and 8. This is your total income . . . . . . . . . . 9 67,197.
$27,700 10 Adjustments to income from Schedule 1, line 26 . . . . . . . . . . . . . . . 10
• Head of
household, 11 Subtract line 10 from line 9. This is your adjusted gross income . . . . . . . . . . 11 67,197.
$20,800
• If you checked
12 Standard deduction or itemized deductions (from Schedule A) . . . . . . . . . . 12 20,800.
any box under 13 Qualified business income deduction from Form 8995 or Form 8995-A . . . . . . . . . 13
Standard
Deduction, 14 Add lines 12 and 13 . . . . . . . . . . . . . . . . . . . . . . . . 14 20,800.
see instructions.
15 Subtract line 14 from line 11. If zero or less, enter -0-. This is your taxable income . . . . . 15 46,397.
For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see separate instructions. Form 1040 (2023)
Form 1040 (2023) Page 2

Tax and 16 Tax (see instructions). Check if any from Form(s): 1 8814 2 4972 3 . . 16 5,251.
Credits 17 Amount from Schedule 2, line 3 . . . . . . . . . . . . . . . . . . . . 17
18 Add lines 16 and 17 . . . . . . . . . . . . . . . . . . . . . . . . 18 5,251.
19 Child tax credit or credit for other dependents from Schedule 8812 . . . . . . . . . . 19 2,000.
20 Amount from Schedule 3, line 8 . . . . . . . . . . . . . . . . . . . . 20
21 Add lines 19 and 20 . . . . . . . . . . . . . . . . . . . . . . . . 21 2,000.
22 Subtract line 21 from line 18. If zero or less, enter -0- . . . . . . . . . . . . . . 22 3,251.
23 Other taxes, including self-employment tax, from Schedule 2, line 21 . . . . . . . . . 23 0.
24 Add lines 22 and 23. This is your total tax . . . . . . . . . . . . . . . . . 24 3,251.
Payments 25 Federal income tax withheld from:
a Form(s) W-2 . . . . . . . . . . . . . . . . . . 25a
b Form(s) 1099 . . . . . . . . . . . . . . . . . . 25b
c Other forms (see instructions) . . . . . . . . . . . . . 25c
d Add lines 25a through 25c . . . . . . . . . . . . . . . . . . . . . . 25d
If you have a 26 2023 estimated tax payments and amount applied from 2022 return . . . . . . . . . . 26
qualifying child, 27 Earned income credit (EIC) . . . . . . . . . . . .No. . 27
attach Sch. EIC.
28 Additional child tax credit from Schedule 8812 . . . . . . . . 28
29 American opportunity credit from Form 8863, line 8 . . . . . . . 29
30 Reserved for future use . . . . . . . . . . . . . . . 30
31 Amount from Schedule 3, line 15 . . . . . . . . . . . . 31
32 Add lines 27, 28, 29, and 31. These are your total other payments and refundable credits . . 32
33 Add lines 25d, 26, and 32. These are your total payments . . . . . . . . . . . . 33
Refund 34 If line 33 is more than line 24, subtract line 24 from line 33. This is the amount you overpaid . . 34
35a Amount of line 34 you want refunded to you. If Form 8888 is attached, check here . . . . 35a
Direct deposit? b Routing number X X X X X X X X X c Type: Checking Savings
See instructions.
d Account number X X X X X X X X X X X X X X X X X
36 Amount of line 34 you want applied to your 2024 estimated tax . . . 36
Amount 37 Subtract line 33 from line 24. This is the amount you owe.
You Owe For details on how to pay, go to www.irs.gov/Payments or see instructions . . . . . . . . 37 3,251.
38 Estimated tax penalty (see instructions) . . . . . . . . . . 38
Third Party Do you want to allow another person to discuss this return with the IRS? See
Designee instructions . . . . . . . . . . . . . . . . . . . . . Yes. Complete below. No
Designee’s Phone Personal identification
name no. number (PIN)

Sign Under penalties of perjury, I declare that I have examined this return and accompanying schedules and statements, and to the best of my knowledge and
belief, they are true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
Here Your signature Date Your occupation If the IRS sent you an Identity
Protection PIN, enter it here
Joint return? Security Guard (see inst.) 8 9 0 2 9 9
See instructions. Spouse’s signature. If a joint return, both must sign. Date Spouse’s occupation If the IRS sent your spouse an
Keep a copy for Identity Protection PIN, enter it here
your records. (see inst.)

Phone no. (267)671-0255 Email address

Preparer’s name Preparer’s signature Date PTIN Check if:
Paid Self-employed
Preparer
Firm’s name Self-Prepared Phone no.
Use Only
Firm’s address Firm’s EIN
Go to www.irs.gov/Form1040 for instructions and the latest information. BAA REV 10/07/24 Intuit.cg.cfp.sp Form 1040 (2023)
SCHEDULE 8812 Credits for Qualifying Children OMB No. 1545-0074
(Form 1040) and Other Dependents
Attach to Form 1040, 1040-SR, or 1040-NR.
2023
Department of the Treasury Attachment
Internal Revenue Service Go to www.irs.gov/Schedule8812 for instructions and the latest information. Sequence No. 47
Name(s) shown on return Your social security number
NATHANIEL MORRIS 197-54-0749
Part I Child Tax Credit and Credit for Other Dependents
1 Enter the amount from line 11 of your Form 1040, 1040-SR, or 1040-NR . . . . . . . . . . . . 1 67,197.
2a Enter income from Puerto Rico that you excluded . . . . . . . . . . . 2a
b Enter the amounts from lines 45 and 50 of your Form 2555 . . . . . . . . 2b 0.
c Enter the amount from line 15 of your Form 4563 . . . . . . . . . . . 2c
d Add lines 2a through 2c . . . . . . . . . . . . . . . . . . . . . . . . . . . 2d 0.
3 Add lines 1 and 2d . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 67,197.
4 Number of qualifying children under age 17 with the required social security number 4 1
5 Multiply line 4 by $2,000 . . . . . . . . . . . . . . . . . . . . . . . . . . 5 2,000.
6 Number of other dependents, including any qualifying children who are not under age
17 or who do not have the required social security number . . . . . . . . 6 0
Caution: Do not include yourself, your spouse, or anyone who is not a U.S. citizen, U.S. national, or U.S. resident
alien. Also, do not include anyone you included on line 4.
7 Multiply line 6 by $500 . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
8 Add lines 5 and 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 2,000.
9 Enter the amount shown below for your filing status.
• Married filing jointly—$400,000
• All other filing statuses—$200,000 } . . . . . . . . . . . . . . . . . . . . . . 9 200,000.
10 Subtract line 9 from line 3.

}
• If zero or less, enter -0-.
• If more than zero and not a multiple of $1,000, enter the next multiple of $1,000. For
example, if the result is $425, enter $1,000; if the result is $1,025, enter $2,000, etc. . . . . . . . 10 0.
11 Multiply line 10 by 5% (0.05) . . . . . . . . . . . . . . . . . . . . . . . . . 11 0.
12 Is the amount on line 8 more than the amount on line 11? . . . . . . . . . . . . . . . . . 12 2,000.
No. STOP. You cannot take the child tax credit, credit for other dependents, or additional child tax credit.
Skip Parts II-A and II-B. Enter -0- on lines 14 and 27.
Yes. Subtract line 11 from line 8. Enter the result.
13 Enter the amount from Credit Limit Worksheet A . . . . . . . . . . . . . . . . . . 13 5,251.
14 Enter the smaller of line 12 or line 13. This is your child tax credit and credit for other dependents . . . 14 2,000.
Enter this amount on Form 1040, 1040-SR, or 1040-NR, line 19.
If the amount on line 12 is more than the amount on line 14, you may be able to take the additional child tax credit
on Form 1040, 1040-SR, or 1040-NR, line 28. Complete your Form 1040, 1040-SR, or 1040-NR through line 27
(also complete Schedule 3, line 11) before completing Part II-A.
For Paperwork Reduction Act Notice, see your tax return instructions. BAA REV 10/07/24 Intuit.cg.cfp.sp Schedule 8812 (Form 1040) 2023
Schedule 8812 (Form 1040) 2023 Page 2
Part II-A Additional Child Tax Credit for All Filers
Caution: If you file Form 2555, you cannot claim the additional child tax credit.
15 Check this box if you do not want to claim the additional child tax credit. Skip Parts II-A and II-B. Enter -0- on line 27 . . . . .
16a Subtract line 14 from line 12. If zero, stop here; you cannot take the additional child tax credit. Skip Parts II-A
and II-B. Enter -0- on line 27 . . . . . . . . . . . . . . . . . . . . . . . . . 16a 0.
b Number of qualifying children under 17 with the required social security number: x $1,600.
Enter the result. If zero, stop here; you cannot claim the additional child tax credit. Skip Parts II-A and II-B.
Enter -0- on line 27 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16b
TIP: The number of children you use for this line is the same as the number of children you used for line 4.
17 Enter the smaller of line 16a or line 16b . . . . . . . . . . . . . . . . . . . . . . 17
18a Earned income (see instructions) . . . . . . . . . . . . . . . . 18a
b Nontaxable combat pay (see instructions) . . . . . . 18b
19 Is the amount on line 18a more than $2,500?
No. Leave line 19 blank and enter -0- on line 20.
Yes. Subtract $2,500 from the amount on line 18a. Enter the result . . . . 19
20 Multiply the amount on line 19 by 15% (0.15) and enter the result . . . . . . . . . . . . . . 20
Next. On line 16b, is the amount $4,800 or more?
No. If you are a bona fide resident of Puerto Rico, go to line 21. Otherwise, skip Part II-B and enter the
smaller of line 17 or line 20 on line 27.
Yes. If line 20 is equal to or more than line 17, skip Part II-B and enter the amount from line 17 on line 27.
Otherwise, go to line 21.
Part II-B Certain Filers Who Have Three or More Qualifying Children and Bona Fide Residents of Puerto Rico
21 Withheld social security, Medicare, and Additional Medicare taxes from Form(s) W-2,
boxes 4 and 6. If married filing jointly, include your spouse’s amounts with yours. If
your employer withheld or you paid Additional Medicare Tax or tier 1 RRTA taxes, or
if you are a bona fide resident of Puerto Rico, see instructions. . . . . . . . 21
22 Enter the total of the amounts from Schedule 1 (Form 1040), line 15; Schedule 2 (Form
1040), line 5; Schedule 2 (Form 1040), line 6; and Schedule 2 (Form 1040), line 13 . 22
23 Add lines 21 and 22 . . . . . . . . . . . . . . . . . . . . 23
24 1040 and

}
1040-SR filers: Enter the total of the amounts from Form 1040 or 1040-SR, line 27,
and Schedule 3 (Form 1040), line 11.
1040-NR filers: Enter the amount from Schedule 3 (Form 1040), line 11. 24
25 Subtract line 24 from line 23. If zero or less, enter -0- . . . . . . . . . . . . . . . . . . 25
26 Enter the larger of line 20 or line 25 . . . . . . . . . . . . . . . . . . . . . . . 26
Next, enter the smaller of line 17 or line 26 on line 27.
Part II-C Additional Child Tax Credit
27 This is your additional child tax credit. Enter this amount on Form 1040, 1040-SR, or 1040-NR, line 28 . . 27
REV 10/07/24 Intuit.cg.cfp.sp Schedule 8812 (Form 1040) 2023
BAA
 CUSTOMER SERVICE: 877-908-7228

Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware
corporation, and Green Dot Bank Refund Processing Service Agreement ("Agreement")

Name: NATHANIEL MORRIS

Social Security No.: 197-54-0749

This Agreement contains important terms, conditions and disclosures about the processing of your refund(s)
(the "Refund Processing Service" or "RPS") by Santa Barbara Tax Products Group, LLC, a division of Green
Dot Corporation, a Delaware corporation, ("Processor"), a third party processor using banking services of
Green Dot Bank ("Bank"). Read this Agreement carefully before accepting its terms and conditions, and print
a copy and/or retain this information electronically for future reference. As used in this Agreement, the words
"you" and "your" refer to the applicant or both the applicant and joint applicant if the 2023
federal and/or state income tax return(s) is a joint return (individually and collectively, "Applicant").
The words "we," "us" and "our" refer to Bank and Processor.

1. NOTICE: No Requirement To Use the Refund Processing Service In Order To File Electronically.
YOU UNDERSTAND THAT A REFUND PROCESSING FEE OF $ ("REFUND PROCESSING FEE") IS
CHARGED BY PROCESSOR TO ESTABLISH A TEMPORARY ACCOUNT TO RECEIVE YOUR FEDERAL
AND/OR STATE TAX REFUND(S), TO PROCESS IT, TO DEDUCT YOUR TURBOTAX FEES, AND OTHER
AUTHORIZED FEES FROM THAT ACCOUNT, AND TO FORWARD FUNDS TO YOU. THE REFUND PROCESSING
FEE IS NOT A LOAN; IT IS DUE TO PROCESSOR WHETHER OR NOT THE FEDERAL OR STATE TAX
REFUND(S) OCCURS BUT PROCESSOR WILL NOT PURSUE COLLECTION OF THE REFUND PROCESSING
FEE IF YOUR FEDERAL OR STATE TAX REFUND(S) DO NOT OCCUR. THIS FEE IS COLLECTED ONLY AT
THE TIME THE REFUND(S) OCCURS. YOU CAN AVOID THIS FEE AND NOT USE THE REFUND PROCESSING
SERVICE BY INSTEAD PAYING THE APPLICABLE TURBOTAX FEES TO INTUIT INC. BY CREDIT OR DEBIT
CARD AT THE TIME YOU FILE YOUR 2023 FEDERAL AND/OR STATE INCOME TAX RETURN(S) AND
ELECTING TO HAVE YOUR REFUND(S) DIRECTLY DEPOSITED IN YOUR OWN BANK ACCOUNT OR MAILED
TO YOU. IF YOU DO USE THE REFUND PROCESSING SERVICE, YOU CAN EXPECT TO RECEIVE THE
PROCEEDS FROM YOUR FEDERAL TAX REFUND(S) WITHIN 21 DAYS FROM WHEN THE INTERNAL
REVENUE SERVICE ("IRS") ACCEPTS YOUR RETURN(S) UNLESS THERE ARE PROCESSING DELAYS (OR
UNLESS YOUR RETURN(S) CONTAINS EARNED INCOME TAX CREDIT OR ADDITIONAL CHILD TAX CREDIT,
IN WHICH CASE THE IRS WILL ISSUE YOUR REFUND(S) NO EARLIER THAN FEBRUARY 15, 2024).
PLEASE CONSULT YOUR APPLICABLE STATE TAXING AUTHORITY’S WEBSITE FOR DETAILS ON WHEN
YOU CAN EXPECT TO RECEIVE YOUR STATE TAX REFUND(S). THE REFUND PROCESSING SERVICE WILL
NEITHER SPEED UP NOR DELAY YOUR FEDERAL TAX REFUND(S). THE COST OF PREPARING YOUR TAX
RETURN(S) IS NOT ANY MORE OR LESS IF YOU PURCHASE THE REFUND PROCESSING SERVICE.

2. Authorization to Release Personal Information. You authorize the IRS and/or applicable state
taxing authority to disclose any information to Bank and Processor related to the funding of your 2023
federal and state tax refund(s). You also authorize Intuit Inc., as the transmitter of your electronically filed
tax return(s), Bank and Processor to disclose to each other certain information about you and your tax
return(s) for the purpose of providing the services contemplated under this Agreement. You also represent
that any authorizations you have made in this Section 2 have also been obtained from and are made with
respect to your spouse, if this is a jointly filed return. Please see the Privacy Policy at the end of this
Agreement describing how Bank may use or share your personal information.

3. Summary of Terms
Expected Refund(s) $ 16,921.00
Less Processor Refund Processing Fee $
Less TurboTax Fees $ 89.00
Less Fees for Additional Products and Services Purchased $
Expected Proceeds* $ 16,792.00
* These amounts are itemized. This is only an estimate. The amount will be reduced by any applicable sales taxes, and if
applicable, a Return Item Fee and an Account Research and Processing Fee paid to Processor as set forth in Sections 4, 6 and
7 below. The above deductions will be subtracted from your federal or state refund(s), where applicable, whichever is received
first. Additionally, in the event one refund is insufficient to fully pay all such amounts due, deductions for the remaining amount
due will be wholly or partially supplemented by, and subtracted from, the other refund (if you receive both state and federal
refund(s).
NATHANIEL MORRIS 197-54-0749 Page 2

4. Temporary Deposit Account Authorization. You hereby authorize Bank to establish a temporary deposit
account ("Deposit Account") for the purpose of receiving your tax year 2023 federal and/or state tax
refund(s) from the IRS or applicable state taxing authority. Bank or Processor must receive an
acknowledgement from the IRS or applicable state taxing authority that your return(s) has been electronically
filed and accepted for processing before the Deposit Account can be opened. You authorize Processor
or Bank to deduct from your Deposit Account the following amounts: (i) the Refund Processing Fee; (ii) the
fees and charges related to the preparation, processing and transmission of your tax return(s) ("TurboTax
Fees"); and (iii) fees for Additional Products and Services Purchased, plus applicable taxes. You also
authorize Processor to deduct thirty dollars ($30.00) as a returned item processing fee (the "Return Item
Fee") from your Deposit Account for the additional processing required in the event that your deposit is
returned or cannot be delivered as directed in Section 7 below. A fee of $30.00 (the "Account Research
and Processing Fee") may be charged if we are required to provide additional processing to return the funds
to the IRS or applicable state taxing authority due to (a) your bank not accepting your direct deposit of your
refund or (b) your tax return being in dispute or being deemed by Processor, in its reasonable determination,
to be fraudulent or suspicious. These fees will be deducted from the Deposit Account and will be retained by
Processor. You authorize Processor to disburse the balance of the Deposit Account to you after making all
authorized deductions or payments. If the Deposit Account does not have sufficient funds at the time your
tax refund is processed to pay the TurboTax Fees and the fees for Additional Products and Services
Purchased as set forth in Section 3, and any sales tax (collectively, "Fees"), or if your refund proceeds are
delayed (a) you authorize Processor to automatically deduct such Fees (or any portion thereof) via ACH,
electronic check, or wire transfer directly from the account into which you authorized Processor to deposit
your expected tax refund proceeds as set forth in Section 7, and (b) if you made alternative arrangements
with TurboTax for payment of such Fees, those arrangements will be attempted prior to any automatic
deduction. You also authorize any amounts outstanding pursuant to this paragraph to be deducted from
refunds you may receive up to 30 months after the date of this Agreement and processed through
Processor. Additionally, if the Fees are not fully repaid from the Deposit account for any other reason not
specified above, (a) you authorize Processor to automatically deduct such Fees (or any portion thereof)
or attempt to deduct such Fees for up to 4 months after your tax return was accepted via ACH, electronic
check, or wire transfer directly from the account into which you authorized Processor to deposit your
expected tax refund proceeds ("Authorized Destination Account") as set forth in Section 7, and (b) if you
made alternative arrangements with TurboTax for payment of such Fees, those arrangements will be
attempted prior to any automatic deduction. To make alternative payment arrangements or revoke your
consent to automatic deduction, you must contact Intuit Inc. according to the instructions on the notices
e-mailed to you by Intuit Inc. regarding outstanding amounts owed under this Agreement.

5. Acknowledgements. (a) You understand that: (i) neither Bank nor Processor can guarantee the amount
of your tax year 2023 federal and/or state tax refund(s) or the date it will be issued, and (ii) neither
Bank nor Processor is affiliated with the transmitter of the tax return(s) (Intuit Inc.) and neither warrants
the accuracy of the software used to prepare the tax return(s). (b) You agree that Intuit Inc. is not acting as
your agent and is not under any fiduciary duty with respect to the processing of your refund(s) by Bank and
Processor. (c) Your refund(s) may be held or returned to the IRS or applicable state taxing authority if it is
suspected of fraud or identity theft.

6. Truth in Savings Disclosure. The Deposit Account is being opened for the purpose of receiving your (or
both spouses if this is a jointly filed return) tax year 2023 federal and/or state tax refund(s). Processor
will deduct from the Deposit Account the amounts set forth in Section 3, including the $ Refund
Processing Fee for opening and maintaining the Deposit Account and processing your tax refund(s). No other
deposits may be made to the Deposit Account. No withdrawals will be allowed from the Deposit Account
except to collect the amounts stated in this Section, Section 3, Section 7, and Section 4. No interest is
payable on the deposit; thus, the annual percentage yield and interest rate are 0%. The Deposit Account will
be closed after all authorized deductions have been made and any remaining balance has been disbursed to
you. We will also charge a Return Item Fee of $30.00 if the refund(s) cannot be delivered as directed in
Section 7 of this Agreement. A $30.00 Account Research and Processing Fee may be charged if we are
required to provide additional processing to return the funds to the IRS or applicable state taxing authority
due to (a) your bank not accepting your direct deposit of your refund or (b) your tax return being in dispute
or being deemed by Processor, in its reasonable determination, to be fraudulent or suspicious. These fees
will be deducted from the Deposit Account and will be retained by Processor. Questions or concerns about
the Deposit Account should be directed to Santa Barbara Tax Products Group, LLC, PO Box 817, West
Chester, OH 45071 or via the Internet at http://sbtpg.com.
NATHANIEL MORRIS 197-54-0749 Page 3

7. Disbursement Method: You agree that the disbursement method selected below will be used by
Processor to disburse funds to you.

By using the Direct Deposit method of disbursement, the balance of your Deposit Account will be
disbursed to you electronically by ACH direct deposit to your Authorized Destination Account
designated below. If a joint return is filed, the bank account may be a joint account or the individual
account of either spouse.

DIRECT DEPOSIT ACCOUNT TYPE:

X Checking
Savings
RTN # 236084298
Account # 951589

Note: To ensure that there are no delays in receiving your refund(s), please contact your financial
institution to confirm that you are using the correct RTN (routing) and account number. If you or your
representative enter your account information incorrectly and your deposit is returned to Bank, the
Deposit Account balance minus a $30.00 Return Item Fee will be disbursed to you via a cashier’s
check mailed to your physical address of record. Bank, Processor and Intuit Inc. are not
responsible for the misapplication of a direct deposit that results from error, negligence or malfeasance
on the part of you or your representative. In cases where Bank has received your federal
and/or state tax refund(s) but is unable to deliver the funds directly to you, funds may be held at Bank
until claimed, or returned to the IRS or applicable state taxing authority.
An Account Research and Processing Fee of $30.00 may be charged if we are required to
provide additional processing to return the funds to the IRS or applicable state taxing authority due to
(a) your bank not accepting your direct deposit of your refund or (b) your tax return being in dispute or
being deemed by Processor, in its reasonable determination, to be fraudulent or suspicious. Return
Item and Account Research and Processing Fees will not exceed $90.00 in the aggregate if there is
also a state return, and $60.00 in the aggregate if there is not a state return and will be deducted
from the Deposit Account for federal and state refunds that continue to be undeliverable and unclaimed
and must be returned to the IRS or applicable state taxing authority. These fees will be retained by
Processor. Due to the risk of fraudulent diversion of tax refunds, we will not process any address or
account changes for purposes of disbursing your tax refund(s). If we become aware that your address
or checking or savings account has changed after you sign this Agreement but before your federal
and/or state tax refund(s) is received by us, upon receipt of your federal or state tax refund(s) from the
IRS or applicable state agency, we will return your tax refund(s) to the applicable agency after
deducting our Refund Processing Fee, TurboTax Fees and other applicable fees. We will do our best to
escalate the return of your federal or state tax refund(s) to the applicable agency and you will need to
work with the applicable agency directly for disbursement.

8. FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES: In case of errors or questions about
electronic transfers to or from the Deposit Account, write to Santa Barbara Tax Products Group, LLC,
PO Box 817, West Chester, OH 45071 or telephone (877) 908-7228 and provide your name, a description
or explanation of the error, and the dollar amount of the suspected error. We will determine whether an
error occurred within 10 business days after we hear from you and will correct any error promptly. If we
need more time, however, we may take up to 45 business days to investigate your complaint or
question. If we decide to do this, we will credit your Deposit Account within 10 business days for the
amount you think is in error, although in most circumstances you won’t have use of the money until we
complete our investigation. If we ask you to put your complaint or question in writing and we do not receive
it within 10 business days, we may not credit your Deposit Account. For errors involving transfers of funds to
or from the Deposit Account within 30 business days after the first deposit to the Deposit Account was made,
(i) we may take up to 90 business days to investigate your complaint or question, and (ii) we may take up to
20 business days to credit your Deposit Account for the amount you think is in error. We will tell you the results
within three business days after completing our investigation. If we decide that there was no error, we will
send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Business Days: Our business days are Monday through Friday, excluding federal holidays. Saturday,
Sunday, and federal holidays are not considered business days, even if we are open.
NATHANIEL MORRIS 197-54-0749 Page 4

Confidentiality: We will disclose information to third parties about your account or the transfers you make:

? To complete transfers as necessary;

? To verify the existence and condition of your account upon the request of a third party, such as a credit
bureau or merchant;
? To comply with government agency or court orders;
? If you give us your written permission; or
? As explained in the Privacy Policy following this Agreement.

Our Liability: If we do not complete a transfer to your account on time or in the correct amount according to
this Agreement, we may be liable for your losses or damages. In addition to all other limitations of liability
set forth in this Agreement, we will not be liable to you if, among other things:
? Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute,
pandemic, computer breakdown, telephone line disruption, or a natural disaster) prevent the transfer,
despite reasonable precautions that have been taken.
? The funds in your account are subject to legal process or other claim restricting such transfer.
? You, your representative or a third party provide us with inaccurate or untimely information.

9. Compensation. In addition to any fees paid directly by you to Intuit Inc., Processor will pay
compensation to Intuit Inc. in consideration of Intuit Inc.’s provision of various programming, testing, data
processing, transmission, systems maintenance, status reporting and other software, technical and
communications services. The Refund Processing Fee will be retained by Processor for its Refund
Processing Service. Processor shall pay Bank for its banking services.

10. Governing Law. The enforcement and interpretation of this Agreement and the transactions
contemplated herein shall be governed by the laws of the United States, including the Electronic Signatures
in Global and National Commerce Act, and, to the extent state law applies, the substantive laws of Delaware.

11. Arbitration Provision. You acknowledge that the services set forth in this Agreement are being made
available and priced by Processor on the basis of your acceptance of the following arbitration provision
("Arbitration Provision"). By entering into this Agreement, you acknowledge that you are giving up the right
to litigate Claims (as defined below) if you, Bank or Processor elects arbitration of the Claims pursuant to
this provision, except as otherwise expressly provided herein, and you hereby knowingly and voluntarily
waive the right to trial of all Claims subject to this Agreement. You further acknowledge that you have read
this Arbitration Provision carefully, agree to its terms, and are entering into this Agreement voluntarily and
not in reliance on any promises or representations whatsoever except those contained in this Agreement.

ARBITRATION NOTICE
THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. PLEASE READ THIS PROVISION
CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS.

11.1. Arbitration of Claims: Except as expressly provided herein, any claim, dispute or controversy
(whether based upon contract; tort, intentional or otherwise; constitution; statute; common law; or equity
and whether pre-existing, present or future), including initial claims, counter-claims, cross-claims and
third-party claims, arising from or relating directly or indirectly to this Agreement, including the validity,
enforceability, interpretation, scope, or application of the Agreement and this Arbitration Provision (except
for the prohibition on class or other non-individual claims, which shall be for a court to decide) ("Claim")
shall be decided, upon the election of you, Bank or Processor (or our agents, employees, successors,
representatives, affiliated companies, or assigns), by binding arbitration before the American Arbitration
Association ("AAA"). Arbitration replaces the right to litigate a claim in court or to have a jury trial. The
AAA’s phone number is 800-778-7879 and website is http://www.adr.org. You may obtain copies of the
current rules, forms, and instructions for initiating an arbitration using the above information.

11.2. Other Claims Subject to Arbitration: In addition to Claims brought by you, Claims made by anyone
connected with you or anyone making a Claim through you (including a taxpayer filing jointly, employee,
agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy)
against us shall be subject to arbitration as described herein.

11.3. Exceptions: We agree not to invoke our right to arbitrate any individual Claim you bring in small
claims court or an equivalent court so long as the Claim is pending only in that court. This Arbitration
NATHANIEL MORRIS 197-54-0749 Page 5

Provision also does not limit or constrain our right to interplead funds in the event of claims to the Account
by several parties.

11.4. Individual Claims Only: Claims may be submitted to arbitration on an individual basis only. Claims
subject to this Arbitration Provision may not be joined or consolidated in arbitration with any Claim of any
other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public
or on behalf of any other person, unless otherwise agreed to by the parties in writing. However, taxpayers
filing jointly and party to this Agreement are considered as one person; Processor and its officers, directors,
employees, agents, and affiliates are considered as one person; and Bank and its officers, directors,
employees, agents, and affiliates are considered as one person.

11.5. Arbitration Fees: If you initiate arbitration, we will advance any arbitration fees, including any required
deposit. If we initiate or elect arbitration, we will pay the entire amount of the arbitration fees, including any
required deposit. We will also be responsible for payment and/or reimbursement of any arbitration fees to
the extent that such fees exceed the amount of the filing fees you would have incurred if your Claim had
been brought in the state or federal court nearest your residence with jurisdiction over the Claims.

11.6. Procedure: A single arbitrator will resolve the Claims. The arbitrator will be a lawyer with at least ten
years’ experience or who is a former or retired judge. The arbitration shall follow the rules and procedures of
the arbitration administrator in effect on the date the arbitration is filed, except when there is a conflict or
inconsistency between the rules and procedures of the arbitration administrator and this Arbitration
Provision, in which case this Arbitration Provision shall govern. Any in-person arbitration hearing for a Claim
shall take place within the federal judicial district in which you live or at such other reasonably convenient
location as agreed by the parties. The arbitrator shall apply applicable substantive law consistent with the
Federal Arbitration Act, 9 U.S.C. § 1 et seq. (the "FAA") and shall honor all claims of privilege and
confidentiality recognized at law. All statutes of limitations that would otherwise be applicable shall apply
to any arbitration proceeding. The arbitrator shall be empowered to grant whatever relief would be available
in court under law or in equity. Any appropriate court may enter judgment upon the arbitrator’s award.
This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be
governed by the FAA.

12. Taxpayer Identity Validation Disclosure. To help Bank, Processor and the government identify and fight
tax refund fraud, as well as fight the funding of terrorism and money laundering activities, Bank and
Processor obtain, verify, and record information that identifies each Refund Processing Service taxpayer.
What this means for you: When you apply to use the Refund Processing Service for the purpose of receiving
your federal and/or state tax refund(s), we will ask for your name, address, date of birth, and other
information that will allow us to identify you. We may also ask to see your driver’s license or other
identifying documents if we need to perform additional due diligence on your account.

YOUR AGREEMENT

Bank and Processor agree to all of the terms of this Agreement. By selecting the "I Agree" button in
TurboTax: (i) You authorize Bank to receive your 2023 federal and/or state tax refund(s) from the IRS
and applicable state taxing authority and Processor to make the deductions from your refund(s) described in
the Agreement, (ii) You agree to receive all communications electronically in accordance with the
"Communications" section of the Tax Year 2023 TurboTax(Registered Trademark) User Agreement, (iii) You
consent to the release of your 2023 federal and/or state tax refund(s) deposit information and
application information as described in Section 2 of this Agreement; (iv) In the event your refund(s) is/are
insufficient to fully pay all such amounts due under this Agreement, you consent to the automatic
debiting of your Authorized Destination Account as set forth in Section 4, as applicable, and the
Arbitration Provision in Section 11; and (v) You acknowledge that you have reviewed, and agree to be
bound by, the Agreement’s terms and conditions. If this is a joint return, selecting "I Agree" indicates
that both spouses agree to be bound by the terms and conditions of the Agreement.
NATHANIEL MORRIS 197-54-0749

Rev. 11/2021
FACTS WHAT DOES GREEN DOT BANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you how
we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do

What? The types of personal information we collect and share depend on the product or service you
have with us. This information can include:

? Social Security number and account balances

? account transactions and checking account information
? transaction history and payment history

When you are no longer our customer, we continue to share your information as described in this
notice.

How? All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons Green Dot Bank chooses to share; and whether you
can limit this sharing.

Reasons we can share your Does Green Dot Bank Can you limit this sharing?
personal information share?

For our everyday business purposes '

such as to process your transactions,
maintain your account(s), respond to court Yes No
orders and legal investigations, or report to
credit bureaus.

For our marketing purposes ' Yes No

to offer our products and services to you.

For joint marketing with other Yes No

financial companies.

For our affiliates’ everyday

business purposes ' Yes No
information about your transactions
and experiences.

For our affiliates’ everyday

business purposes ' No We don’t share
information about your creditworthiness.

For our affiliates to market to you. No We don’t share

For nonaffiliates to market to you. No We don’t share

Questions? Call Toll Free: 800-901-6663

NATHANIEL MORRIS 197-54-0749 Page 2

Page 2

What we do

How does Green Dot Bank To protect your personal information from unauthorized access and
protect my use, we use security measures that comply with federal law. These
personal information? measures include computer safeguards and secured files and
buildings.

How does Green Dot Bank We collect your personal information, for example, when you
collect my
personal information? ? open an account or make deposits or withdrawals from your
account
? tell us where to send the money or provide account information
? give us your contact information

We also collect your personal information from others, such as

credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

? sharing for affiliates’ everyday business purposes ' information

about your creditworthiness
? affiliates from using your information to market to you
? sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights
to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be

financial and nonfinancial companies.

? Our affiliates include companies with a common corporate

identity of Green Dot (such as our parent bank holding company
Green Dot Corporation) and tax processing services companies,
such as Santa Barbara Tax Products Group, LLC.

Nonaffiliates Companies not related by common ownership or control. They can

be financial and nonfinancial companies.

? Green Dot Bank does not share with nonaffiliates so they can
market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that

together market financial products or services to you.

? The only joint marketing partners we share with are Intuit Inc.
and its affiliates and subsidiaries.

sbia0912.SCR 12/07/23 X - X Agreed

 ELECTRONIC POSTMARK - CERTIFICATION OF ELECTRONIC FILING

Taxpayer: NATHANIEL MORRIS

Primary SSN: 197-54-0749

Federal Return Submitted: 2024-01-19T20:26:49.510-08:00

Federal Return Acceptance Date: 01/19/2024

The Intuit Electronic Postmark shows the date and time Intuit received your federal tax return. The Intuit
Electronic Postmark documents the filing date of your income tax return, and the electronic postmark
information should be kept on file with your tax return and other tax-related documentation.

There are two important aspects of the Intuit Electronic Postmark:

1. THE INTUIT ELECTRONIC POSTMARK.

The electronic postmark shows the date and time Intuit received the federal return, and is deemed the
filing date if the date of the electronic postmark is on or before the date prescribed for filing of the
federal individual income tax return.

TIMELY FILING:
For your federal return to be considered filed on time, your return must be postmarked on or before
midnight April 15, 2024 . Intuit’s electronic postmark is issued in the Pacific Time (PT) zone.
If you are not filing in the PT zone, you will need to add or subtract hours from the Intuit Electronic
Postmark time to determine your local postmark time. For example, if you are filing in the Eastern Time
(ET) zone, and you electronically file your return at 9 AM on April 15, 2024 , your Intuit
electronic postmark will indicate April 15, 2024 , 6 AM. If your federal tax return is rejected,
the IRS still considers it filed on time if the electronic postmark is on or before April 15, 2024 ,
and a corrected return is submitted and accepted before April 20, 2024 . If your return is
submitted after April 20, 2024 , a new time stamp is issued to reflect that your return was
submitted after the IRS deadline, and consequently, is no longer considered to have been filed on time.

If you request an automatic six-month extension, your return must be electronically postmarked by
midnight October 15, 2024 . If your federal tax return is rejected, the IRS will still consider
it filed on time if the electronic postmark is on or before October 15, 2024 , and the
corrected return is submitted and accepted by October 20, 2024

2. THE ACCEPTANCE DATE.

Once the IRS accepts the electronically filed return, the acceptance date will be provided by the Intuit
Electronic Filing Center. This date is proof that the IRS accepted the electronically filed return.