Tax return

Electronic Filing Instructions for your 2009 Federal Tax Return
Important: Your taxes are not finished until all required steps are completed.

carter L april
710 jernigan ave
orlando, FL 32805
|
Balance | Your federal tax return (Form 1040A) shows a refund due to you in the
Due/ | amount of $437.00. Applicable fees were deducted from your original
Refund | refund amount of $437.00. Your refund is now $379.10. Because you
| chose to have your TurboTax fees deducted from your refund, you will
| receive e-mail from MetaBank, which handles this transaction. Your
| tax refund should be direct deposited into your account within 8 to
| 14 days after your return is accepted. The account information you
| entered - Account Number: 008983379737 Routing Transit Number:
| 063000047
|
______________________________________________________________________________________
|
Where’s My | Before you call the Internal Revenue Service with questions about
Refund? | your refund, give them 8 to 14 days processing time from the date

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| your return is accepted. If then you have not received your refund,
| or the amount is not what you expected, contact the Internal Revenue
| Service directly at 1-800-829-4477. You can also check www.irs.gov
| and select the "Where’s my refund?" link.
|
______________________________________________________________________________________
|
No | No signature form is required since you signed your return
tF
Signature | electronically.
Document |
Needed |
|
______________________________________________________________________________________
|
What You | Your Electronic Filing Instructions (this form)
Need to | Printed copy of your federal return
Keep |
No

|
______________________________________________________________________________________
|
2009 | Adjusted Gross Income $ 1,796.00
Federal | Taxable Income $ 0.00
Tax | Total Tax $ 0.00
Return | Total Payments/Credits $ 437.00
Summary | Amount to be Refunded $ 437.00
| Effective Tax Rate 0.00%
|
______________________________________________________________________________________
Do

Page 1 of 1

Consent to Use Your Tax Return Information

’Federal law requires this consent form be provided to you. Unless authorized by law, we cannot use, without your
consent, your tax return information for purposes other than the preparation and filing of your tax return.

You are not required to complete this form. If we obtain your signature on this form by conditioning our services on
your consent, your consent will not be valid. 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.’

Before we continue, we need your permission to check your tax return to see if you are eligible for certain options
in our program. Specifically, we would like to check your age, whether you have a refund and the amount, your
state of residence, and whether you are a U.S. Resident.

The following statements apply:

I authorize Intuit, the maker of TurboTax to use the 2009 tax return information described above
to determine my eligibility to place all or a portion of my refund on a debit card.

Sign this agreement by entering your name:

carter
Taxpayer’s First Name

carter L april
april
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Taxpayer’s Last Name

Spouse’s First Name (if applicable) Spouse’s Last Name (if applicable)
tF
Enter today’s date:
03/01/2010
Date

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
No

telephone at 1-800-366-4484, or by email at complaints@tigta.treas.gov.
Do

CONSENT2

FDIY8001 10/20/09

We Need Your Consent to Use Your Tax Return Information

The IRS requires that we obtain your consent to use specific information in your tax return to determine if you can
use this payment method.

Protecting Your Privacy

Because you have selected this payment option, Intuit, the maker of TurboTax software, needs to check a few
items in your return to determine whether you can pay your fees from your refund. For example, you must reside
in the U.S. and your refund must be large enough to make the payment.

We’re asking your permission to perform these checks and providing some important information to you as
required by the IRS. To agree, simply enter your name(s) and the date in the boxes below after reading the
consent and select ’I Agree’.

I authorize Intuit, the maker of TurboTax, to use the information provided in this 2009 return to determine
whether a portion of the refund can be used to pay for tax preparation.

IRS regulations require the following statements:

ile
’Federal law requires this consent form be provided to you. Unless authorized by law, we cannot use, without your
consent, your tax return information for purposes other than the preparation and filing of your tax return.

You are not required to complete this form. If we obtain your signature on this form by conditioning our services on
your consent, your consent will not be valid.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.’
tF
carter april
Taxpayer’s First Name Taxpayer’s Last Name

carter L april

Spouse’s First Name (if applicable) Spouse’s Last Name (if applicable)
No

Please type the date below:
03/10/2010
Date

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.
Do

CONSENT3

FDIY1601 10/20/09

Finally, We Need Your Consent to Disclose Some Tax Information

Before we continue with processing your payment by transferring money from your tax
refund, we need to ask for your permission again, this time to forward certain of your
information to Metabank (’META’) and to Santa Barbara Tax Processing Group (’SBTPG’),
the administrator and servicer of your tax refund transfer. To consent, type your first and
last name and today’s date in the boxes below.

How This Protects Your Privacy

Because you are choosing to pay for your tax preparation with money from your refund,
Intuit, the maker of TurboTax software, needs to send a limited amount of personal
information from your tax return (such as your identifying information, deposit information
and refund amount) to META and SBTPG, the administrator and servicer of payment for
tax preparation services from your tax refund. Your information is sent via a secure SSL
encrypted transmission for the sole purpose of refund processing tax preparation service
payment. META and SBTPG are contractually obligated to protect the confidentiality of
your information.

We’re asking your permission to disclose that information and also providing some
important information to you as requested by the IRS. To agree, simply enter your
name(s) and date in the boxes below after reading this consent and select "I Agree".

ile
I authorize Intuit, the maker of TurboTax, to disclose to META and SBTPG that
portion of my 2009 tax return information that is necessary to enable META and SBTPG
to process my refund and pay for my tax preparation.

IRS regulations require the following statements:

"Federal law requires this consent form be provided to you. Unless authorized by law, we
cannot disclose, without your consent, your tax return information to third parties for
purposes other than the preparation and filing of your tax return. If you consent to the
tF
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. If we obtain your signature on this form by
conditioning our 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."
No

carter april
Taxpayer First Name Taxpayer Last Name

Spouse First Name (if applicable) Spouse Last Name (if applicable)

Please type the date below:
Do

03/01/2010
Date

If you believe that 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.

FDISCLOS SBIA1301 01/13/10

Department of the Treasury ' Internal Revenue Service
Form 1040A U.S. Individual Income Tax Return (99) 2009 IRS Use Only ' Do not write or staple in this space.
Your first name and initial Last name OMB No. 1545-0074
Label
(See instructions.) Your social security number

carter L april 266-73-6234
Use the If a joint return, spouse’s first name and initial Last name Spouse’s social security number
IRS label.
Otherwise,
please print Home address (number and street). If you have a P.O. box, see instructions. Apartment no.
or type.

710 jernigan ave J your SSN(s)enter J
You must
above
City, town or post office. If you have a foreign address, see instructions. State ZIP code
Checking a box below will
orlando FL 32805 not change your
Presidential tax or refund
Election
Campaign G Check here if you, or your spouse if filing jointly, want $3 to go to this fund (see instructions) You Spouse
Filing 1 Single 4 X Head of household (with qualifying person). (See instructions.)
status 2 Married filing jointly (even if only one had income) If the qualifying person is a child but not your dependent,
3 Married filing separately. Enter spouse’s SSN above and enter this child’s name here
full name here 5 Qualifying widow(er) with dependent child
Check only
one box. (see instructions)
Exemptions 6a X Yourself. If someone can claim you as a dependent, do not check box 6a Boxes
checked on
6a and 6b 1
b Spouse

If more than six
dependents,
see instructions.
c Dependents:

(1) First name
adonius L carter
Last name
ile (2) Dependent’s
social security
number

591-11-3913 Son
(3) Dependent’s
relationship
to you
(4) c if
qualifying
child for
child tax
credit
No. of children
on 6c who:
? lived
with you

? did not
live with
you due to
divorce or
1

separation (see
instructions)
tF
Dependents
on 6c not
entered above

Add numbers
d Total number of exemptions claimed on lines above 2
Income
7 Wages, salaries, tips, etc. Attach Form(s) W-2 7 1,191.
Attach Form(s) 8 a Taxable interest. Attach Schedule B if required 8a
W-2 here. Also b Tax-exempt interest. Do not include on line 8a 8b
No

attach Form(s)
1099-R if tax 9 a Ordinary dividends. Attach Schedule B if required 9a
was withheld. b Qualified dividends (see instructions) 9b
10 Capital gain distributions (see instructions) 10
11 a IRA distributions 11 a 11 b Taxable amount 11 b
12 a Pensions and annuities 12 a 12 b Taxable amount 12 b
If you did not
get a W-2, 13 Unemployment compensation in excess of $2,400 per recipient and Alaska
see instructions. Permanent Fund dividends (see instructions) 13 605.
Enclose, but
do not attach, 14 a Social security
any payment. benefits 14 a 14 b Taxable amount 14 b
Also, please
use Form 1040-V. 15 Add lines 7 through 14b (far right column). This is your total income 15 1,796.
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16 Educator expenses (see instructions) 16
Adjusted
gross 17 IRA deduction (see instructions) 17
income 18 Student loan interest deduction (see instructions) 18
19 Tuition and fees deduction. Attach Form 8917 19
20 Add lines 16 through 19. These are your total adjustments 20

21 Subtract line 20 from line 15. This is your adjusted gross income 21 1,796.
BAA For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see instructions. Form 1040A (2009)

FDIA1312 11/16/09

Form 1040A (2009) carter L april 266-73-6234 Page 2
22 Enter the amount from line 21 (adjusted gross income) 22 1,796.
Tax, credits,
23 a Check You were born before January 2, 1945, Blind
and Total boxes
if: Spouse was born before January 2, 1945, Blind checked 23 a
payments
b If you are married filing separately and your spouse itemizes deductions,
Standard see instructions and check here 23 b
Deduction
for ' 24 a Enter your standard deduction (see left margin) 24 a 8,350.
? People who b If you are increasing your standard deduction by certain real estate taxes or
checked any new motor vehicle taxes, attach Schedule L and check here (see instrs) 24 b
box on line 25 Subtract line 24a from line 22. If line 24a is more than line 22, enter -0- 25 0.
23a, 23b, or
24b or who 26 Exemptions. If line 22 is over $125,100 or less and you did not provide housing to a Midwestern displaced
can be individual, multiply $3,650 by the number on line 6d. Otherwise, see instructions 26 7,300.
claimed as a 27 Subtract line 26 from line 25. If line 26 is more than line 25, enter -0-. This is your
dependent, taxable income 27 0.
see instrs.
28 Tax, including any alternative minimum tax
? All others:
(see instructions) 28 0.
Single or
Married filing
separately, 29 Credit for child and dependent care expenses. Attach Form 2441 29
$5,700 30 Credit for the elderly or the disabled. Attach Schedule R 30
Married filing 31 Education credits from Form 8863, line 29 31
jointly or 32 Retirement savings contributions credit. Attach Form 8880 32
Qualifying
widow(er), 33 Child tax credit (see instructions) 33
$11,400 34 Add lines 29 through 33. These are your total credits 34
Head of 35 Subtract line 34 from line 28. If line 34 is more than line 28, enter -0- 35 0.
Household,
$8,350
36
37
38
39
Add lines 35 and 36. This is your total tax
Federal income tax withheld from Forms W-2 and 1099
2009 estimated tax payments and amount applied from
2008 return
ile
Advance earned income credit payments from Form(s) W-2, box 9

38

39
363.
36
37 0.

If you have 40 Making work pay and government retiree credits. Attach Schedule M 40 74.
a qualifying
child, attach 41 a Earned income credit (EIC) No 41 a
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Schedule EIC. b Nontaxable combat pay election. 41 b
42 Additional child tax credit. Attach Form 8812 42
43 Refundable education credit from Form 8863, line 16 43
44 Add lines 38, 39, 40, 41a, 42, and 43. These are your total payments 44 437.
45 If line 44 is more than line 37, subtract line 37 from line 44.
Refund This is the amount you overpaid 45 437.
46 a Amount of line 45 you want refunded to you. If Form 8888 is attached, check here 46 a 437.
Direct deposit? G b Routing
See instructions
No

number 063000047 G c Type: X Checking Savings
and fill in 46b,
46c, and 46d or G d Account
Form 8888. number 008983379737
47 Amount of line 45 you want applied to your 2010
estimated tax 47
Amount 48 Amount you owe. Subtract line 44 from line 37. For details on how to pay,
you owe see instructions 48
49 Estimated tax penalty (see instructions) 49
Do you want to allow another person to discuss this return with the IRS (see instructions)? Yes. Complete the following. X No
Third party
designee Personal
Designee’s Phone identification
name G no. G number (PIN) G
Do

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
Sign are true, correct, and accurately list all amounts and sources of income I received during the tax year. Declaration of preparer (other than the taxpayer) is based on all
here information of which the preparer has any knowledge.
Your signature Date Your occupation Daytime phone number
Joint return?
See instructions.
Keep a copy
A Spouse’s signature. If a joint return, both must sign. Date
casher
Spouse’s occupation

for your records.
Date Check if Preparer’s SSN or PTIN
Preparer’s

Paid
signature A self-
employed

preparer’s Firm’s name Self-Prepared
A
(or yours if self-
use only employed), EIN
address, and Phone
ZIP code no.

FDIA1312 11/16/09 Form 1040A (2009)

SCHEDULE M OMB No. 1545-0074
Making Work Pay and Government
(Form 1040A or 1040)

Department of the Treasury
Retiree Credits 2009
Attachment
Internal Revenue Service (99) G Attach to Form 1040A, 1040, or 1040NR. G See separate instructions. Sequence No. 166
Name(s) shown on return Your social security number


1 a Important: See the instructions if you can be claimed as someone else’s dependent or are filing Form
1040NR. Check the ’No’ box below and see the instructions if (a) you have a net loss from a business, (b) you
received a taxable scholarship or fellowship grant not reported on a Form W-2, (c) your wages include pay
for work performed while an inmate in a penal institution, (d) you received a pension or annuity from a
nonqualified deferred compensation plan or a nongovernmental section 457 plan, or (e) you are filing Form
2555 or 2555-EZ.

Do you (and your spouse if filing jointly) have 2009 wages of more than $6,451 ($12,903 if married
filing jointly)?

Yes. Skip lines 1a through 3. Enter $400 ($800 if married filing jointly) on line 4 and go to line 5.
X No. Enter your earned income (see instructions) 1a 1,191.
b Nontaxable combat pay included on line 1a
(see instructions) 1b
2 Multiply line 1a by 6.2% (.062) 2 74.

3 Enter $400 ($800) if married filing jointly) 3 400.

4

5

6
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Enter the smaller of line 2 or line 3 (unless you checked ’Yes’ on line 1a)

Enter the amount from Form 1040, line 38*, or Form 1040A, line 22

Enter $75,000 ($150,000 if married filing jointly)
5

6
1,796.

75,000.
4 74.

7 Is the amount on line 5 more than the amount on line 6?
tF
X No. Skip line 8. Enter the amount from line 4 on line 9 below.
Yes. Subtract line 6 from line 5 7

8 Multiply line 7 by 2% (.02) 8

9 Subtract line 8 from line 4. If zero or less, enter -0- 9 74.

10 Did you (or your spouse, if filing jointly) receive an economic recovery payment in 2009? You may have
No

received this payment if you received social security benefits, supplemental security income, railroad
retirement benefits, or veterans disability compensation or pension benefits (see instructions).
X No. Enter -0- on line 10 and go to line 11.
Yes. Enter the total of the payments received by you (and your spouse, if filing jointly). 10 0.
Do not enter more than $250 ($500 if married filing jointly)

11 Did you (or your spouse, if filing jointly) receive a pension or annuity in 2009 for services performed as an
employee of the U.S. Government or any U.S. state or local government from work not covered by social
security? Do not include any pension or annuity reported on Form W-2.
X No. Enter -0- on line 11 and go to line 12.
Yes. ? If you checked ’No’ on line 10, enter $250 ($500 if married filing jointly and the
answer on line 11 is ’Yes’ for both spouses) 11 0.
Do

? If you checked ’Yes’ on line 10, enter -0- (exception: enter $250 if filing jointly
and the spouse who received the pension or annuity did not receive an
economic recovery payment described on line 10)

12 Add lines 10 and 11 12 0.
13 Subtract line 12 from line 9. If zero or less, enter -0- 13 74.
14 Making work pay and government retiree credits. Add lines 11 and 13. Enter the result here and on Form
1040, line 63, Form 1040A, line 40; or Form 1040NR, line 60 14 74.

*If you are filing Form 2555, 2555-EZ, or 4563 or you are excluding income from Puerto Rico, see instructions.
BAA For Paperwork Reduction Act Notice, see Form 1040A, 1040, or 1040NR instructions. Schedule M (Form 1040A or 1040) 2009

FDIA8501 10/27/09

Tax Payments Worksheet 2009
G Keep for your records

Name(s) Shown on Return Social Security Number

Estimated Tax Payments for 2009 (If more than 4 payments for any state or locality, see Tax Help)

Federal State Local

Date Amount Date Amount ID Date Amount ID

1 04/15/09 04/15/09 04/15/09

2 06/15/09 06/15/09 06/15/09

3 09/15/09 09/15/09 09/15/09

4 01/15/10 01/15/10 01/15/10

5

Tot Estimated
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Payments
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Tax Payments Other Than Withholding Federal State ID Local ID
(If multiple states, see Tax Help)

6 Overpayments applied to 2009
7 Credited by estates and trusts
8 Totals Lines 1 through 7
9 2009 extensions
No

Taxes Withheld From: Federal State Local

10 Forms W-2 37.
11 Forms W-2G
12 Forms 1099-R
13 Forms 1099-MISC and 1099-G 326.
14 Schedules K-1
15 Forms 1099-INT, DIV and OID
16 Social Security and Railroad Benefits
17 Form 1099-B St Loc
Do

18 a Other withholding St Loc
b Other withholding St Loc
c Other withholding St Loc
19 Total Withholding Lines 10 through 18c 363.
20 Total Tax Payments for 2009 363.

Prior Year Taxes Paid In 2009 State ID Local ID
(If multiple states or localities, see Tax Help)

21 Tax paid with 2008 extensions
22 2008 estimated tax paid after 12/31/08
23 Balance due paid with 2008 return
24 Other (amended returns, installment payments, etc)

Federal Carryover Worksheet 2009
G Keep for your records

Name(s) Shown on Return Social Security Number

2008 State and Local Income Tax Information (See Tax Help)

(a) (b) (c) (d) (e) (f) (g)
State or Paid With Estimates Pd Total With- Paid With Total Over- Applied
Local ID Extension After 12/31 held/Pmts Return payment Amount

Totals

Other Tax and Income Information 2008 2009

1 Filing status 1 4 HH
2 Number of exemptions for blind or over 65 (0 - 4) 2
3
4
5
6
7
Itemized deductions after limitation

Adjusted gross income
ile
Check box if required to itemize deductions

Tax liability for Form 2210 or Form 2210-F
Alternative minimum tax
3
4
5
6
7
0.

1,796.
0.

8 Federal overpayment applied to next year estimated tax 8
tF
QuickZoom to the IRA Information Worksheet for IRA information

Excess Contributions 2008 2009

9a Taxpayer’s excess Archer MSA contributions as of 12/31 9a
b Spouse’s excess Archer MSA contributions as of 12/31 b
10 a Taxpayer’s excess Coverdell ESA contributions as of 12/31 10 a
b Spouse’s excess Coverdell ESA contributions as of 12/31 b
No

11 a Taxpayer’s excess HSA contributions as of 12/31 11 a
b Spouse’s excess HSA contributions as of 12/31 b

Loss and Expense Carryovers 2008 2009

12 a Short-term capital loss 12 a
b AMT Short-term capital loss b
13 a Long-term capital loss 13 a
b AMT Long-term capital loss b
14 a Net operating loss available to carry forward 14 a
Do

b AMT Net operating loss available to carry forward b
15 a Investment interest expense disallowed 15 a
b AMT Investment interest expense disallowed b
16 Nonrecaptured net Section 1231 losses from: a 2009 16 a
b 2008 b
c 2007 c
d 2006 d
e 2005 e
f 2004 f

MetaBank Refund Processing Agreement (’Agreement’)

Name: carter L april

Social Security No.: 266-73-6234

This Agreement contains important terms, conditions and disclosures about the processing of your refund by MetaBank, a federal savings bank
(META). 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
2009 federal income tax return is a joint return (individually and collectively, ’Applicant’). The words ’we,’ ’us’ and ’our’ refer to META.

1. NOTICE: No Requirement To Have META Process Your Refund In Order To File Electronically.
YOU UNDERSTAND THAT META CHARGES A REFUND PROCESSING SERVICE FEE OF $29.95 TO DEDUCT YOUR TURBOTAX FEES FROM
YOUR REFUND. THE REFUND PROCESSING SERVICE FEE IS NOT A LOAN. YOU CAN AVOID THIS FEE AND NOT USE META’S REFUND
PROCESSING SERVICE BY, INSTEAD, PAYING THE APPLICABLE TURBOTAX FEES TO INTUIT BY CREDIT OR DEBIT CARD AT THE TIME
YOU FILE YOUR 2009 FEDERAL INCOME TAX RETURN AND ELECTING TO HAVE YOUR REFUND DIRECTLY DEPOSITED IN YOUR OWN
BANK ACCOUNT OR MAILED TO YOU. IF YOU DO USE THE REFUND-PROCESSING SERVICE, YOU CAN EXPECT TO RECEIVE YOUR TAX
REFUND WITHIN 8 TO 15 DAYS FROM WHEN THE IRS ACCEPTS YOUR RETURN. IF YOU DO NOT USE THE REFUND-PROCESSING
SERVICE, BUT DO FILE YOUR TAX RETURN ELECTRONICALLY, AND HAVE YOUR TAX REFUND DIRECTLY DEPOSITED INTO A BANK
ACCOUNT, YOU CAN EXPECT TO RECEIVE YOUR REFUND WITHIN 8 TO 15 DAYS FROM WHEN THE IRS ACCEPTS YOUR RETURN. IF
YOU ELECT TO RECEIVE YOUR TAX REFUND THROUGH THE MAIL, YOU CAN EXPECT TO RECEIVE YOUR REFUND IN 3 TO 4 WEEKS
FROM WHEN THE IRS ACCEPTS YOUR RETURN. THE COST OF PREPARING YOUR TAX RETURN IS NOT ANY MORE OR LESS IF YOU
PURCHASE THE REFUND PROCESSING SERVICE.

2. Authorization to Release Personal Information. You authorize the Internal Revenue Service ("IRS") to disclose any information to META
related to the funding of your 2009 tax refund. You also authorize Intuit, as the transmitter of your electronically filed tax return, to disclose your
tax return and contact information to META for use in connection with the refund processing services being provided pursuant to this
Agreement. Neither Intuit nor META will disclose or use your tax return information for any other purpose, except as permitted by law. META
will not use your tax information or contact information for any marketing purpose. To view the META Privacy Policy applicable to this
Agreement, see Section 11 below.

3. Summary of Terms
Expected Federal Refund
Less META Refund Processing Service Fee
Less TurboTax Fees
ile $
$
$
437.00
29.95
27.95
Less Additional Products and Services Purchased $
Expected Proceeds (1) $ 379.10
tF
(1) This is only an estimate. The amount will be reduced by any applicable sales taxes.

4. Temporary Deposit Account Authorization. You hereby authorize META to establish a temporary deposit account (’Deposit Account’) for
the purpose of receiving your tax year 2009 federal income tax refund from the IRS. META must receive an acknowledgment from the IRS
that your return has been electronically filed and accepted for processing before the Deposit Account can be opened. You authorize META
to deduct from your Deposit Account the following amounts: (i) the META refund processing service fee; (ii) the fees and charges related to
the preparation, processing and transmission of your tax return; and, (iii) amounts to pay for additional products and services purchased
plus applicable taxes. You authorize META to disburse the balance of the Deposit Account to you after making all authorized deductions
or payments.
No

5. Acknowledgments. (a) You understand that: (i) META cannot guarantee the amount of your tax year 2009 federal income tax refund or the
date it will be issued, and (ii) META is not affiliated with the transmitter of the tax return (Intuit) and does not warrant the accuracy of the
software used to prepare the tax return. (b) You agree that Intuit is not acting as your agent and is not under any fiduciary duty with respect
to the processing of your refund by META.

6. Truth in Savings Disclosure. The Deposit Account is being opened for the purpose of receiving your (both spouses if this is a jointly filed
return) tax year 2009 federal tax refund. We will charge the fees set forth in Section 3 for the Account. No other deposits may be made to the
Deposit Account. No withdrawals will be allowed from the Deposit Account except as provided in 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. Questions or concerns about the Deposit Account should be directed to:
META, PO Box 1030, Solana Beach, CA 92075, or via the Internet at http://cisc.sbbtral.com.

7. Disbursement Method: You agree that the disbursement method selected below will be used by META to disburse funds to you.
a) Direct Deposit to Prepaid Debit Card: If you choose this option, you authorize META to transfer the balance of your Deposit Account
Do

to the financial institution that supports your prepaid debit card, so that the financial institution may deposit the balance of your
refund, as directed by you, on the respective prepaid debit card you have selected. Additional fees will be charged for the use of the
card. Please review the cardholder agreement associated with the use of your prepaid debit card provided by the participating
financial institution to learn of other fees, charges, terms and conditions that will apply. META will not be responsible for your
funds once they have been deposited with the respective financial institution.

b) X Direct Deposit to Checking or Savings Account: If you choose this option, the balance of your Deposit Account will be disbursed to you
electronically by ACH Direct Deposit to your personal bank 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 #: 063000047 ACCOUNT #: 008983379737
Note: To insure that there are no delays in receiving your refund, 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 personal bank account information incorrectly and your
deposit is returned to META, the refund balance minus a $5 META handling fee will be disbursed to you via a cashier’s check mailed to the
address on your tax return. If the direct deposit is not returned to META, you will be responsible for the loss.
RTAPP SBIA0912 01/12/10

8. Electronic Fund Transfers: Your refund will be deposited into the Deposit Account electronically and payments will be made electronically
from the Deposit Account. You will not be liable for any unauthorized electronic transfers. We will disclose information to third parties about
your Deposit Account or the transfers you make where it is necessary for completing transfers, in order to verify the existence and condition of
your account for a third party, such as a credit bureau or merchant, in order to comply with government agency or court orders or if you give us
your written permission. If we do not complete a transfer to or from the Deposit Account on time or in the correct amount according to this
Agreement, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if
circumstances beyond our control (such as fire or flood or your provision of incorrect information) prevent the transfer, despite reasonable
precautions that we have taken. If you believe that there has been an unauthorized transfer, or if you have a question about the Deposit
Account, write to MetaBank, Attn: Tax Products Group, P.O. Box 1270, Solana Beach, California 92075 or telephone (888) 353-7228, and
provide us with your name, a description or explanation of the error and the dollar amount of the suspected error. META will advise you of the
results of its investigation within 10 business days. For purposes of these disclosures, our business days are Monday through Friday. Holidays
are not included.

In Case of Errors or Questions About Your Electronic Transfers, or If You Need More Information About a Transfer, telephone us at (888)
353-7228 or write us Attn: Tax Products Group, P.O. Box 1270, Solana Beach, California 92075 as soon as you can. We must hear from you no
later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need
more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

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 days to investigate your complaint or question. If we decide to do this, we will credit your account
within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to 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 account.

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For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to
20 business days to credit your 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.

9. Compensation. In addition to any fees paid directly by you to Intuit, META will pay a portion of META’s refund processing fee to Intuit in
consideration of Intuit’s provision of various programming, testing, data processing, transmission, systems maintenance, status reporting and
other software, technical and communications services.
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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 law of South Dakota.

11. Arbitration Provision.

READ THIS ARBITRATION PROVISION. IF YOU DON’T REJECT IT IN ACCORDANCE WITH THE PARAGRAPH CAPTIONED ’YOUR RIGHT TO
REJECT,’ IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY IN WHICH YOU OR WE WILL
RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE.

General: This Arbitration Provision describes when and how a Claim (as defined below) between you and us may be arbitrated. Arbitration is
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a method of resolving disputes in front of one or more neutral persons, instead of having a trial in court in front of a judge and/or jury. It can be
a quicker and simpler way to resolve disputes. Certain terms are defined elsewhere in this Agreement and are not otherwise defined in this
Arbitration Provision. However, as solely used in this Arbitration Provision, the terms ’we,’ ’us’ and ’our’ mean not just META but also Intuit;
their parent companies, wholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns and franchisees;
and any of their employees, officers, directors and agents.

Your Right to Reject: If you don’t want this Arbitration Provision to apply, you may reject it by mailing us a written rejection notice which
contains your name and address, the date of this Agreement and a statement that you (all of you, if more than one) reject the Arbitration
Provision contained in this Agreement. The rejection notice must be sent to MetaBank, P.O. Box 1270, Solana Beach, CA 92075, Attn.
Arbitration Opt-Out. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it within thirty
days after the date of this Agreement. Your rejection of this Arbitration Provision will not have any effect on any other provision of this
Agreement or any other arbitration agreement between you and us, which will remain in full force and effect.

What Claims Are Covered: ’Claim’ means any claim, dispute or controversy between you and us that in any way arises from or relates to
this Agreement, including disputes arising from actions or omissions on or prior to the date of this Agreement. ’Claim’ has the broadest possible
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meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort,
consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for
injunctive or declaratory relief). It also includes disputes about the validity, enforceability, arbitrability or scope of this Arbitration Provision or
this Agreement. However, notwithstanding any language in this Arbitration Provision to the contrary, the term ’Claim’ does not include any
dispute about the validity, effect or enforceability of the prohibitions against class proceedings, private attorney general proceedings and/or
multiple-party proceedings described in the paragraph captioned ’Prohibition Against Certain Proceedings’ (the ’Class Action Waiver’), and any
such dispute shall be resolved by a court and not by an arbitrator or arbitration administrator.

How Arbitration Is Started: Either you or we may require any Claim to be arbitrated. Arbitration is started by giving written notice to the
other party of the intent to start or to compel arbitration. This notice may be given before or after a lawsuit has been started over the Claim and
may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a lawsuit and then seek to arbitrate that same
Claim unless the other party has asserted another Claim in the lawsuit or an arbitration. The notice may be in the form of a motion or petition
to compel arbitration. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this
Arbitration Provision, the applicable rules of the arbitration Administrator. We will not choose to arbitrate an individual Claim that you bring
against us in small claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different
court, we then have the right to choose arbitration.

RTAPP SBIA0912 01/12/10

Choosing the Administrator: ’Administrator’ means the American Arbitration Association (’AAA’), 1633 Broadway, 10th Floor, New York, NY
10019, www.jamsadr.com, JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual
agreement of the parties. If AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent,
the Administrator will be selected by a court. You get to select the Administrator if you give us written notice of your selection with your notice
that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim (or, if you
dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the Administrator
on time, we will do it. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered, without the
consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class
Action Waiver.

Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL
NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN
INFORMATION FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU
WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.

Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY
PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS
MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS
BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER
PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY
GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.

Location and Costs of Arbitration: Any arbitration hearing that you attend must take place at a location reasonably convenient to you.
Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by
a court. If either you or we require a Claim to be arbitrated, you may tell us in writing that you can’t afford to pay the fees charged by the
Administrator and/or the arbitrator or that you believe those fees are too high. If we think your request is reasonable and in good faith, we will
pay or reimburse you for all or part of the fees charged to you by the Administrator and/or arbitrator. Also, we will pay these fees if applicable
law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. We will not
ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts and
witnesses. You will bear the expense of your attorneys, experts and witnesses if we prevail in an arbitration, provided that we will pay your fees
if you prevail or if we must bear such fees in order for this Arbitration Provision to be enforced. Also, we will bear any fees if applicable law
requires us to.
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Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. section 1-16 (the ’FAA’), and not by any state
arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of
privilege recognized at law. The arbitrator is authorized to award all remedies permitted by the substantive law that would apply if the action
were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the
courts). At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award.

Right to Discovery: In addition to the parties’ rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may
submit a written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator.
The arbitrator shall have discretion to grant or deny that request.
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Arbitration Result and Right of Appeal: Judgment upon the award given by the arbitrator may be entered in any court having jurisdiction.
The arbitrator’s decision is final and binding, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds
$100,000 or involves a request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding
$100,000, any party can appeal the award to a three-arbitrator panel administered by the Administrator, which panel shall reconsider any
aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration
Provision to ’the arbitrator’ shall mean the panel of arbitrators if an appeal of the arbitrator’s decision has been taken. Subject to applicable
law, costs of such an appeal will be borne by the appealing party regardless of the outcome of the appeal. However, we will consider any good
faith, reasonable request for us to pay all or any part of those fees if you are the appealing party and we will pay those fees if you are the
prevailing party or if (and to the extent) necessary for this Arbitration Provision to be enforced.
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Rules of Interpretation: This Arbitration Provision shall survive the repayment of all amounts to us, any legal proceeding and any
bankruptcy, to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this Arbitration
Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other hand, this Arbitration
Provision shall govern.

Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall not invalidate any remaining
portion of this Arbitration Provision, this Agreement or any other agreement entered into by you with us. However, notwithstanding any
language in this Arbitration Provision to the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision
and, in the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may exist with
respect to such determination, any class action or representative proceeding shall be determined in a court of law and will not be subject to this
Arbitration Provision.

Notice and Cure; Special Payment: Prior to initiating a lawsuit or arbitration proceeding regarding any Claim, the party asserting the
Claim (the ’Claimant’) shall give the other party or parties (the ’Defending Party’) a written Claim Notice and a reasonable opportunity, not less
than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing by mail or by email to the address you have provided us (or
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any updated address you subsequently provide). Any Claim Notice to us shall be sent by mail to MetaBank, P.O. Box 1270, Solana Beach, CA
92075, Attn: Claim Notice (or any updated address we subsequently provide). Any Claim Notice you send must give your name, address, social
security number and telephone number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only
submit a Claim Notice on your own behalf and not on behalf of any other party. The Claimant must reasonably cooperate in providing any
information about the Claim that the Defending Party reasonably requests and must give the Defending Party a reasonable opportunity to
respond to the demand for relief. If: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf (and not on behalf of
any other party); (ii) we refuse to provide you with the relief you request; and (iii) the arbitrator subsequently determines that you were entitled
to such relief (or greater relief), the arbitrator shall award you at least $5,100 (not including any arbitration fees and attorneys’ fees and costs to
which you may be entitled)

RTAPP SBIA0912 01/12/10

12. META Privacy Policy.

Privacy Policy. To help the government fight the funding of terrorism and money laundering, federal law requires all financial institutions to
obtain, verify, and record information that identifies each person who opens an account. META will obtain information from and about you in
connection with the opening of the Deposit Account.

Federal law requires META to provide you with this statement. In this Privacy Policy, ’Confidential Information’ means non-public personally
identifiable information about you. This notice applies only to individuals who are using, or have used in the past, META’s refund processing
services. META may change (add to, delete or amend) the terms of this Privacy Policy at any time, giving you such notice as may then be
required by law.

Confidential Information META collects. We collect Confidential Information from you, Intuit and the IRS in connection with your refund
processing in order to identify you, set up your temporary Deposit Account, and process your refund. This may include information such as your
name, address, date of birth, social security number and personal bank account information. META also collects information from the IRS
concerning your refund deposit.

Information META shares and with whom. We may disclose your Confidential Information to nonaffiliated third parties as permitted by law.
However, we will not use or disclose your Confidential Information that we receive from Intuit or the IRS for marketing purposes. We also may
disclose Confidential Information with your consent.

Security procedures META uses to protect your Confidential Information. Inside META, your information is accessible only to employees who
need the information in order to process your product request or answer your questions. META has a formal Code of Ethics and trains its
employees on their responsibility to maintain the privacy of your Confidential Information. META also maintains physical, electronic and
procedural safeguards that comply with federal standards to guard your Confidential Information.
Questions? If you have any questions regarding this Privacy Policy, please call 800-717-7228.

YOUR AGREEMENT

By selecting the ’I agree’ button in TurboTax: (i) You authorize META to receive your 2009 federal tax refund from the IRS and to make the
deductions from your refund described in the Agreement, (ii) You agree to receive all Communications electronically in accordance with the

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’Consent to Conduct Business Electronically’ section of the License Agreement for Tax Year 2009 TurboTax(R) Software and Services, as the
term "Communications" is defined therein, (iii) You consent to the release of your 2009 refund deposit information and application information
as described in Section 2 of this Agreement; and (iv) You acknowledge that you have reviewed, and agree to be bound by, the Agreement’s
terms and conditions. You understand that, if you change your tax year 2009 federal tax return information in a way that affects the amount of
your refund, you must review and accept the Agreement again. 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.
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RTAPP SBIA0912 01/12/10

File by Mail Instructions for your 2010 Florida Tax Return

carter L april
710 jernigan ave
orlando, FL 32805
|
What You | Keep these instructions and a copy of your return for your records.
Need to | If you did not print one before closing TurboTax, go back to the
Keep | program and select Print & File tab, then select the Print for Your
| Records category.
|
______________________________________________________________________________________
|
Special | Your printed state tax forms may have special formatting on them,
Formatting | such as bar codes or other symbols. This is to enable fast
| processing. Don’t worry, these forms have been approved by your
| taxing authority and are acceptable for printing and mailing.
|
______________________________________________________________________________________

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Page 1 of 1

2010 Florida Tax Return Summary

carter L april
710 jernigan ave
orlando, FL 32805
|
Forms |
Included |
|
______________________________________________________________________________________

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Page 1 of 1

Tax return

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