About Skylight

February 1998 Skylight Financial®, Inc. is founded in Delaware as an Internet-based financial services company. The primary mission is to provide accounts to individuals who cannot, or choose not, to open a traditional bank account. The initial purpose was to support the US government is its efforts to save money by increasing the number of federal benefits recipients receiving benefits through direct deposit. March 1998 Skylight wins its first customer. September 1998 Based on changes in federal regulations, Skylight recognizes unique opportunity to serve both the entire self-banked sector of the population and corporations whose workforce includes a significant proportion of self-banked individuals. February 1999 Skylight celebrates its first anniversary. May 1999 Skylight wins its first corporate client. October 2000 Skylight forms a relationship with U.S. Bank, one of the top 10 banking institutions in the U.S. As a result of this relationship, Skylight expands its customer service capabilities to include access to 5,000 ATMs and 2,200 banking branch locations in the U.S. Bank network. September 2002 Skylight secures additional funding allowing for expansion of service capabilities and target market focus. February 2003 Skylight completes a rebranding effort resulting in a new corporate identity and primary product, the Skylight Debit Card Account. December 2003 Skylight signs agreement with SunTrust, another top 10 banking institution in the U.S. This relationship provides SunTrust with a paycard product and offers Skylight increased market exposure. August 2004 Skylight offers a Visa-branded card through the US Bank partnership April 2006 Skylight offers a Visa-branded card through the SunTrust partnership July 2007 Skylight is acquired by JLL. The relationship provides Skylight with additional reload locations at another of JLL’s subsidiaries, ACE Cash Express.

Skylight Partners   In October, 2000, Skylight Financial partnered with U.S. Bank. Through this partnership Skylight provides accounts as an alternative for individuals in U.S. Bank branches, as well as sells to U.S. Bank corporate customers via their Treasury Management and Relationship Management organizations.   In October, 2004, Skylight Financial partnered with SunTrust, one of the nation’s largest commercial banking organizations. Through this partnership, Skylight offers SunTrust corporate clients the Skylight suite of services to meet the financial goals of both the corporate client and their employees. SunTrust is a federally registered service mark of SunTrust Banks, Inc.