Can anyone create realistic w2s and check stubs

2022_TaxReturn.pdf

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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 [email protected].

Do you agree to let TurboTax disclose your tax return info to the parties listed above?

I agree

Taxpayer First Name _______________________

Taxpayer Last Name _______________________

Today’s Date _______________________

Spouse First Name _______________________

Spouse Last Name _______________________

Today’s Date _______________________ Qualifying is not based on your credit score

Corey

Phillips

01/22/2023

Vanessa

hayden Phillips

01/22/2023

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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 lender service provider) and MVB Bank, Inc. (the issuer of the card) via secure, SSL-encrypted transmission:

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 current and prior year, and related federal and state forms (such as Forms 4868 and 1099R)

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

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

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IMPORTANT DISCLOSURES If you are owed federal tax refund(s), you have a right to choose how you will receive the refund(s). There are several options available to you. Some options cost money and some options are free. Please read about these options below. You can file your federal tax return(s) electronically or by paper and obtain your federal tax refund(s) directly from the Internal Revenue Service (“IRS”) for free. If you file your tax return(s) electronically, you can receive refund checks directly from the IRS through the U.S. Postal Service in 21 to 28 days from the time you file your tax return(s) or the IRS can deposit your refund(s) directly into your bank account in less than 21 days from the time you file your tax return(s) unless there are delays by the IRS. If you file a paper return through the U.S. Postal Service, you can receive refund checks directly from the IRS through the U.S. Postal Service in 6 to 8 weeks from the time the IRS receives your return(s) or the IRS can deposit your refund(s) directly into your bank account in 6 to 8 weeks from the time the IRS receives your return(s). However, if your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2023. You can file your federal tax return(s) electronically, select the Refund Processing Service (“RPS”) for an additional fee of $_____ (the “RPS fee”), and have your federal tax refund(s) processed through a processor using banking services of a financial institution. The RPS allows your federal refund(s) to be deposited into a bank account at Green Dot Bank and deducts your TurboTax fees and other amounts that you authorize from your federal refund(s). The balance of your federal

refund(s) is then delivered to you via your Credit Karma Money checking account provided by MVB Bank, Inc., Member FDIC (“Spend Account”). If you file your tax return(s) electronically and select the RPS, the IRS will deposit your refund(s) with Green Dot Bank. Upon Green Dot Bank’s receipt of your refund(s), Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation, a processor, will deduct from your federal refund(s) the RPS fee, any fees charged by TurboTax for the preparation and filing of your tax return(s) and any other amounts authorized by you, including the amount of any loan you obtain through First Century Bank, N.A., and disburse the balance of your refund proceeds to your Spend Account. Unless there are unexpected delays, federal refunds are received in less than 21 days from the time you file your tax return(s) electronically. However, if your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2023. The RPS is not necessary to obtain your refund(s). If you have an existing bank account and do not desire to deduct TurboTax fees from your tax refund(s), there are other options that do not require a fee. You may consult the IRS website (IRS.gov) for information about tax refund processing. If you select the RPS, no prior debt you may owe to Green Dot Bank will be deducted from your refund(s). You can change your income tax withholdings which might result in you receiving additional funds throughout the year rather than waiting to receive these funds potentially in tax refund(s) next year. Please consult your employer or tax advisor for additional details. This Agreement requires all disputes to be resolved by way of binding arbitration. The terms of the arbitration provision appear in Section 11. Information regarding low‐cost deposit accounts may be available at www.mymoney.gov. The chart below shows the options for filing your federal tax returns (e‐file or paper returns), the RPS product, refund disbursement options, estimated timing for obtaining your federal tax refund proceeds, and costs associated with the various options.

WHAT TYPE OF FILING METHOD?

WHAT ARE YOUR DISBURSEMENT OPTIONS?

WHAT IS THE ESTIMATED TIME TO RECEIVE

REFUND(S)?

WHAT COSTS DO YOU INCUR IN ADDITION TO TAX PREPARATION

FEES?

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PAPER RETURN

No Refund

Processing Service

IRS direct deposit to your personal bank account.

Approximately 6 to 8 weeks2

No additional cost.

Check mailed by IRS to address on tax return(s).

Approximately 6 to 8 weeks2

ELECTRONIC

FILING (E‐FILE)

No Refund

Processing Service

IRS direct deposit to your personal bank account.

Usually within

21 days2

No additional cost.

Check mailed by IRS to address on tax return(s).

Approximately 21 to 28 days2

ELECTRONIC

FILING (E‐FILE)

Refund Processing

Service

Loan proceeds by First

Century Bank1 to your Credit

Karma Money checking

account 3

Usually within 1‐2 hours on IRS acceptance

$ 4

IRS direct deposit to your

Green Dot Bank account then disburse your balance to your

Credit Karma Money checking account3

Usually within

21 days 2

1 Because you have opted for a loan through First Century Bank, N.A., you will receive your loan proceeds in your Credit

Karma Money checking account, provided by MVB Bank, Inc., Member FDIC ("Spend Account"). There are no fees or interest charged for the Loan that will be deposited into the Spend Account if you are approved for the Loan.

2 You may experience delays with your tax refund(s) if, for example, you enter incorrect bank account or contact information, you enter a bank account in someone else’s name, or if possible suspicious activity is detected. If your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2023. 3 Credit Karma Money checking account, provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. You may access your funds online through a virtual card and your physical Credit Karma Visa Debit Card should arrive in 7 ‐ 14 days. Debit card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc. Visa terms and conditions apply. 4 The charges here consist of an RPS Fee, a TurboTax Fee, the cost of the Tax Product, and any fees for additional products and services purchased. Note that the cost of the Tax Product may vary depending on the edition of TurboTax purchased. See Section 4 of the Refund Processing Service Agreement for more details.

Questions? Call 877‐908‐7228

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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: Social Security No.: 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. 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 2022 federal income tax return(s) is a joint return (individually and collectively, “Applicant”). The words “we,” “us” and “our” refer to Green Dot 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 AN ACCOUNT TO RECEIVE YOUR FEDERAL TAX REFUND(S), TO PROCESS IT, TO DEDUCT YOUR TURBOTAX FEES AND OTHER AUTHORIZED AMOUNTS FROM THAT

ACCOUNT, AND TO FORWARD FUNDS TO YOU. YOU WILL RECEIVE YOUR FUNDS ON A CREDIT KARMA MONEY CHECKING ACCOUNT, ISSUED BY MVB BANK, INC., MEMBER FDIC (“ACCOUNT”). THE REFUND PROCESSING FEE IS NOT A LOAN; IT IS DUE TO PROCESSOR WHETHER OR NOT THE FEDERAL TAX REFUND(S) OCCURS BUT PROCESSOR WILL NOT PURSUE COLLECTION OF THE REFUND PROCESSING FEE IF YOUR FEDERAL TAX REFUND(S) DOES 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 2022 FEDERAL INCOME TAX RETURN(S). YOU ARE NOT REQUIRED TO USE THE RPS. IF YOU CHOOSE TO USE THE RPS, 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, 2023. THE RPS 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 RECEIVE THE REFUND PROCESSING SERVICE. THE AMOUNT OF THE LOAN (THE “LOAN”) FROM FIRST CENTURY BANK, N.A. (“LENDER”) WILL BE DEDUCTED FROM YOUR FEDERAL TAX REFUND(S). PLEASE NOTE THAT IT IS NOT NECESSARY TO PURCHASE THE REFUND PROCESSING SERVICE TO OBTAIN A LOAN; THAT SERVICE IS OFFERED WHETHER YOU PAY FOR YOUR TAX PREPARATION SERVICES BY CREDIT CARD OR THROUGH THE REFUND PROCESSING SERVICE. THE LOAN IS NOT A QUICKER WAY OF RECEIVING YOUR

TAX REFUND(S), IT IS A LOAN SECURED BY YOUR TAX REFUND(S). YOU WILL RECEIVE YOUR FUNDS INTO A CREDIT KARMA MONEY CHECKING ACCOUNT, PROVIDED BY MVB BANK, INC., MEMBER FDIC (“SPEND ACCOUNT”). THERE ARE NO FEES CHARGED FOR DISBURSING LOAN PROCEEDS INTO THE SPEND ACCOUNT. PLEASE REVIEW THE SPEND ACCOUNT TERMS & DISCLOSURES ASSOCIATED WITH THE USE OF YOUR SPEND ACCOUNT TO LEARN OF TERMS AND CONDITIONS THAT WILL APPLY TO THE SPEND ACCOUNT BY ACCESSING THE CREDIT KARMA SPEND ACCOUNT TERMS & DISCLOSURES UNDER AGREEMENTS ON YOUR CREDIT KARMA MOBILE APP OR AT CREDITKARMA.COM. 2. Authorization to Release Personal Information. You authorize the IRS to disclose any information to Green Dot Bank and Processor related to the funding of your 2022 federal tax refund(s). You also authorize Intuit TT Offerings Inc. and Intuit Inc., as the transmitter of your electronically filed tax return(s), Green Dot 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 Green Dot Bank may use or share your personal information.

3. Summary of Terms

Expected Federal Refund $

Less Processor Refund Processing Fee $

Less TurboTax Fees $ Less Fees for Additional Products and Services Purchased $

Expected Proceeds* $

* 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. Additionally, if you are approved for a Loan it will be in one of these amounts:

$250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500 or $4,000 and will be deducted from your federal refund(s), see example in Section 4 below.

You will receive an email from Lender letting you know if you are approved for a Loan and the amount of your Loan if approved.

4. Temporary Green Dot Deposit Account Authorization. You hereby authorize Green Dot Bank to establish a temporary deposit account (“Green Dot Deposit Account”) for the purpose of receiving your tax year 2022 federal tax refund(s) from the IRS. Green Dot Bank or Processor must receive an acknowledgement from the IRS that your return(s) has been electronically filed and accepted for processing before the Green Dot Deposit Account can

2,473.

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Corey A Phillips & Vanessa M hayden Phillips

452-99-8750

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be opened. You authorize Processor to deduct from your Green Dot 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”); (iii) the amount of any Loan obtained from Lender; and (iv) fees for Additional Products and Services Purchased, plus applicable taxes. For example, if your federal income tax refund is $4,200 and you have $59.99 in TurboTax Fees and receive a Loan of $1,000, you would receive $3,100.02 of your federal refund after it is paid, which represents your $4,200 tax refund less the $39.99 Refund Processing Fee less the $59.99 TurboTax Fees and less the $1,000 Loan. You also authorize Processor to deduct thirty dollars ($30.00) as a returned item processing fee (the “Return Item Fee”) from your Green Dot 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. These fees will be deducted from the Green Dot Deposit Account and will be retained by Processor. You authorize Processor to disburse the balance of the Green Dot Deposit Account to you after making all authorized deductions or payments. If the Green Dot 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 24 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 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 Green Dot Bank nor Processor can guarantee the amount of your tax year 2022 federal tax refund(s) or the date it will be issued, and (ii) neither Green Dot Bank nor Processor is affiliated with the transmitter of the tax return(s) (Intuit TT Offerings Inc. and Intuit Inc.) and neither warrants the accuracy of the software used to prepare the tax return(s). (b) You agree that Intuit TT Offerings Inc. and 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 Green Dot Bank and Processor. (c) Your refund(s) may be held or returned to the IRS if it is suspected of fraud or identity theft. 6. Truth in Savings Disclosure. The Green Dot Deposit Account is being opened for the purpose of receiving your (or both spouses if this is a jointly filed return) tax year 2022 federal tax refund(s). Processor will deduct from the Green Dot Deposit Account the amounts set forth in Section 3 and the amount of your Loan, if approved, including the $_____ Refund Processing Fee for opening and maintaining the Green Dot Deposit Account and processing your tax refund(s). No withdrawals will be allowed from the Green Dot 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 Green Dot 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. These fees will be deducted from the Green Dot Deposit Account and will be retained by Processor. Questions or concerns about the Green Dot 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. 7. Disbursement Method: You agree that your refund(s), less agreed‐upon fees, will be disbursed to the Green Dot Deposit Account. You authorize Processor to transfer the amount due on your Loan to the Lender and the balance of your Green Dot Deposit Account to the Spend Account. Please review the Spend Account Terms & Disclosures associated with the use of your Spend Account to learn of terms and conditions that will apply to the Spend Account by accessing the Credit Karma Spend Account Terms & Disclosures under Agreements on your Credit Karma mobile app or at creditkarma.com. Processor will not be responsible for your funds once they have been deposited on the Spend Account. If your deposit is returned to Green Dot Bank, the Green Dot 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. Green Dot Bank, Processor and Intuit Inc. are not responsible for the misapplication of a direct deposit that results in error, negligence or malfeasance on the part of you or your representative. In cases where Green Dot Bank has received your federal tax refund(s) but is unable to deliver the funds directly to you, funds may be held at Green Dot Bank until claimed, or returned to the IRS. 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. Return Item and Account Research and Processing Fees will not exceed $60.00 in the aggregate, and will be deducted from the Green Dot Deposit Account for federal refunds that continue to be undeliverable and unclaimed and must be returned to the IRS. 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 tax refund(s) is received by us, upon receipt of your federal tax refund(s) from the IRS we will return your tax refund(s) to the IRS after deducting our Refund Processing Fee, TurboTax Fees and other applicable fees. We will do our best to escalate the return of your federal tax refund(s) to the IRS and you will need to work with the IRS directly for disbursement. 8. FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES: In case of errors or questions about electronic transfers to or from the Green Dot 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

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your complaint or question. If we decide to do this, we will credit your Green Dot 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 Green Dot Deposit Account. For errors involving transfers of funds to or from the Green Dot Deposit Account within 30 business days after the first deposit to the Green Dot 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 Green Dot 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. Confidentiality: We will disclose information to third parties about your Green Dot Deposit Account or the transfers you make:

 To complete transfers as necessary;

 To verify the existence and condition of your Green Dot Deposit 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 Green Dot Deposit 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 Green Dot Deposit 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 Green Dot 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 Ohio. 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, Green Dot 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, Green Dot 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 Provision also does not limit or constrain our right to interplead funds in the event of claims to the Green Dot Deposit Account by several parties.

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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 Green Dot 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 Green Dot Bank, Processor and the government identify and fight tax refund fraud, as well as fight the funding of terrorism and money laundering activities, Green Dot 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 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 Green Dot Deposit Account.

YOUR AGREEMENT Green Dot Bank and Processor agree to all of the terms of this Agreement. By selecting the “I Agree” button in TurboTax: (i) You authorize Green Dot Bank to receive your 2022 federal tax refund(s) from the IRS and Processor to make the deductions from your federal refund(s) described in the Agreement, (ii) You agree to receive all communications electronically in accordance with the “Communications” section of the Tax Year 2022 TurboTax® User Agreement, (iii) You consent to the release of your 2022 federal tax refund(s) deposit information and application information as described in Section 2 of this Agreement; (iv) You consent to the automatic debiting of your Spend 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.

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

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 personal information Does Green Dot Bank

share? Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain

your account(s), respond to court orders and legal

investigations, or report to credit bureaus

Yes No

For our marketing purposes—

to offer our products and services to you Yes No

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes—

information about your transactions and experiences Yes No

For our affiliates’ everyday business purposes—

information about your creditworthiness No We don't share

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

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

Page 2

What we do

How does Green Dot Bank protect my

personal information?

To protect your personal information from unauthorized access

and use, we use security measures that comply with federal law.

These measures include computer safeguards and secured files

and buildings.

How does Green Dot Bank collect my

personal information?

We collect your personal information, for example, when you

■ 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.

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

Santa Barbara Tax Products Group, LLC, a division of Green Dot Corporation, a Delaware corporation,

and Green Dot Bank Refund Processing Service Agreement (“Agreement”)

1. NOTICE: No Requirement To Use the Refund Processing Service In Order To File Electronically.

3. Summary of Terms

Expected Federal Refund $

Less Processor Refund Processing Fee $

Less TurboTax Fees $ Less Fees for Additional Products and Services Purchased $

Expected Proceeds* $

$250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500 or $4,000 and will be deducted from your federal refund(s), see example in Section 4 below.

You will receive an email from Lender letting you know if you are approved for a Loan and the amount of your Loan if approved.

2,473.

39.

2,395.

39.00

Corey A Phillips & Vanessa M hayden Phillips

452-99-8750

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

39.00

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

 To complete transfers as necessary;

 To verify the existence and condition of your Green Dot Deposit Account upon the request of a third party, such as a credit bureau or merchant;

 To comply with government agency or court orders;

 The funds in your Green Dot Deposit Account are subject to legal process or other claim restricting such transfer.

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

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 personal information Does Green Dot Bank

share? Can you limit this sharing?

For our everyday business purposes—

such as to process your transactions, maintain

your account(s), respond to court orders and legal

investigations, or report to credit bureaus

Yes No

For our marketing purposes—

to offer our products and services to you Yes No

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes—

information about your transactions and experiences Yes No

For our affiliates’ everyday business purposes—

information about your creditworthiness No We don't share

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

REV 01/14/23 Intuit.cg.cfp.sp

Bank 2A Non CA RT and RAL GD, 2023‐1A, January 2023

Page 2

What we do

How does Green Dot Bank protect my

personal information?

To protect your personal information from unauthorized access

and use, we use security measures that comply with federal law.

These measures include computer safeguards and secured files

and buildings.

How does Green Dot Bank collect my

personal information?

We collect your personal information, for example, when you

■ 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.

REV 01/14/23 Intuit.cg.cfp.sp

Fo rm1040 2022U.S. Individual Income Tax Return

Department of the Treasury—Internal Revenue Service

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

Filing Status

Check only one box.

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. If you checked the HOH or QSS box, enter the child’s name if the qualifying person is a child but not your dependent:

Your first name and middle initial Last name Your social security number

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.

City, town, or post office. If you have a foreign address, also complete spaces below. State ZIP code

Foreign country name Foreign province/state/county Foreign postal code

Presidential Election Campaign

Check here if you, or your spouse if filing jointly, want $3 to go to this fund. Checking a box below will not change your tax or refund.

You Spouse

Digital Assets

At any time during 2022, did you: (a) receive (as a reward, award, or payment for property or services); or (b) sell, exchange, gift, or otherwise dispose of a digital asset (or a financial interest in a digital asset)? (See instructions.) Yes No

Standard Deduction

Someone can claim: You as a dependent Your spouse as a dependent

Spouse itemizes on a separate return or you were a dual-status alien

Age/Blindness You: Were born before January 2, 1958 Are blind Spouse: Was born before January 2, 1958 Is blind

Dependents (see instructions):

If more than four dependents, see instructions and check here . .

(2) Social security number

(3) Relationship

to you

(4) Check the box if qualifies for (see instructions):

(1) First name Last name Child tax credit Credit for other dependents

Income

Attach Form(s)

W-2 here. Also

attach Forms

W-2G and

1099-R if tax

was withheld.

If you did not get a Form W-2, see instructions.

1 a Total amount from Form(s) W-2, box 1 (see instructions) . . . . . . . . . . . . . 1a

b Household employee wages not reported on Form(s) W-2 . . . . . . . . . . . . . 1b

c Tip income not reported on line 1a (see instructions) . . . . . . . . . . . . . . 1c

d Medicaid waiver payments not reported on Form(s) W-2 (see instructions) . . . . . . . . 1d

e Taxable dependent care benefits from Form 2441, line 26 . . . . . . . . . . . . 1e

f Employer-provided adoption benefits from Form 8839, line 29 . . . . . . . . . . . 1f

g Wages from Form 8919, line 6 . . . . . . . . . . . . . . . . . . . . . 1g

h Other earned income (see instructions) . . . . . . . . . . . . . . . . . . 1h

i Nontaxable combat pay election (see instructions) . . . . . . . 1i

z Add lines 1a through 1h . . . . . . . . . . . . . . . . . . . . . . 1z

Attach Sch. B if required.

2a Tax-exempt interest . . . 2a b Taxable interest . . . . . 2b

3a Qualified dividends . . . 3a b Ordinary dividends . . . . . 3b

4a IRA distributions . . . . 4a b Taxable amount . . . . . . 4b

5a Pensions and annuities . . 5a b Taxable amount . . . . . . 5b

6a Social security benefits . . 6a b Taxable amount . . . . . . 6b

c If you elect to use the lump-sum election method, check here (see instructions) . . . . .

7 Capital gain or (loss). Attach Schedule D if required. If not required, check here . . . . . 7

8 Other income from Schedule 1, line 10 . . . . . . . . . . . . . . . . . . 8

9 Add lines 1z, 2b, 3b, 4b, 5b, 6b, 7, and 8. This is your total income . . . . . . . . . . 9

10 Adjustments to income from Schedule 1, line 26 . . . . . . . . . . . . . . . 10

11 Subtract line 10 from line 9. This is your adjusted gross income . . . . . . . . . . 11

Standard Deduction for—

• Single or Married filing separately, $12,950

• Married filing jointly or Qualifying surviving spouse, $25,900

• Head of household, $19,400

• If you checked any box under Standard Deduction, see instructions.

12 Standard deduction or itemized deductions (from Schedule A) . . . . . . . . . . 12

13 Qualified business income deduction from Form 8995 or Form 8995-A . . . . . . . . . 13

14 Add lines 12 and 13 . . . . . . . . . . . . . . . . . . . . . . . . 14

15 Subtract line 14 from line 11. If zero or less, enter -0-. This is your taxable income . . . . . 15

For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see separate instructions. Form 1040 (2022)

Phillips 452-99-8750

7811 Fall Glen Dr

Houston TX 770406041

hayden Phillips 637-01-3972

25,900.

25,900. 35,786.

61,686.

anyla jones 636-17-1150 Daughter ambreal Phillips 636-27-9123 Daughter

Corey A

Vanessa M

Form 1040 (2022) Page 2

Tax and

Credits

16 Tax (see instructions). Check if any from Form(s): 1 8814 2 4972 3 . . 16

17 Amount from Schedule 2, line 3 . . . . . . . . . . . . . . . . . . . . 17

18 Add lines 16 and 17 . . . . . . . . . . . . . . . . . . . . . . . . 18

19 Child tax credit or credit for other dependents from Schedule 8812 . . . . . . . . . . 19

20 Amount from Schedule 3, line 8 . . . . . . . . . . . . . . . . . . . . 20

21 Add lines 19 and 20 . . . . . . . . . . . . . . . . . . . . . . . . 21

22 Subtract line 21 from line 18. If zero or less, enter -0- . . . . . . . . . . . . . . 22

23 Other taxes, including self-employment tax, from Schedule 2, line 21 . . . . . . . . . 23

24 Add lines 22 and 23. This is your total tax . . . . . . . . . . . . . . . . . 24

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

26 2022 estimated tax payments and amount applied from 2021 return . . . . . . . . . . 26 If you have a qualifying child, attach Sch. EIC.

27 Earned income credit (EIC) . . . . . . . . . . . . . . 27

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? See instructions.

b Routing number c Type: Checking Savings

d Account number 36 Amount of line 34 you want applied to your 2023 estimated tax . . . 36

Amount You Owe

37 Subtract line 33 from line 24. This is the amount you owe. For details on how to pay, go to www.irs.gov/Payments or see instructions . . . . . . . . 37

38 Estimated tax penalty (see instructions) . . . . . . . . . . 38

Third Party Designee

Do you want to allow another person to discuss this return with the IRS? See instructions . . . . . . . . . . . . . . . . . . . . . Yes. Complete below. No

Designee’s name

Phone no.

Personal identification number (PIN)

Sign

Here

Joint return? See instructions. Keep a copy for your records.

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.

Your signature Date Your occupation If the IRS sent you an Identity Protection PIN, enter it here (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. Email address

Paid Preparer Use Only

Preparer’s name Preparer’s signature Date PTIN Check if:

Self-employed

Firm’s name Phone no.

Firm’s address Firm’s EIN

Go to www.irs.gov/Form1040 for instructions and the latest information. Form 1040 (2022)

home health aide

(346)316-7413 waitress

3,882.

0 5 1 5 0 4 7 5 9 2 2 2 1 8 7 9 5 4

0. 0. 0.

Self-Prepared

2,355.

3,882.

118.

118. 2,473. 2,473. 2,473.

3,882.

BAA REV 01/14/23 Intuit.cg.cfp.sp

SCHEDULE 8812

(Form 1040)

Department of the Treasury Internal Revenue Service

Credits for Qualifying Children and Other Dependents

Attach to Form 1040, 1040-SR, or 1040-NR.

Go to www.irs.gov/Schedule8812 for instructions and the latest information.

OMB No. 1545-0074

2022 Attachment Sequence No. 47

Name(s) shown on return Your social security number

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 2a Enter income from Puerto Rico that you excluded . . . . . . . . . . . 2a b Enter the amounts from lines 45 and 50 of your Form 2555 . . . . . . . . 2b c Enter the amount from line 15 of your Form 4563 . . . . . . . . . . . 2c d Add lines 2a through 2c . . . . . . . . . . . . . . . . . . . . . . . . . . . 2d

3 Add lines 1 and 2d . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 4 Number of qualifying children under age 17 with the required social security number 4 5 Multiply line 4 by $2,000 . . . . . . . . . . . . . . . . . . . . . . . . . . 5

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 . . . . . . . . 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 9 Enter the amount shown below for your filing status.

• Married filing jointly—$400,000 • All other filing statuses—$200,000 } . . . . . . . . . . . . . . . . . . . . . . 9

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

11 Multiply line 10 by 5% (0.05) . . . . . . . . . . . . . . . . . . . . . . . . . 11 12 Is the amount on line 8 more than the amount on line 11? . . . . . . . . . . . . . . . . . 12

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 the Credit Limit Worksheet A . . . . . . . . . . . . . . . . . 13 14 Enter the smaller of line 12 or 13. This is your child tax credit and credit for other dependents . . . . . 14

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. Schedule 8812 (Form 1040) 2022

Corey A Phillips & Vanessa M hayden Phillips 452-99-8750

0. 61,686.

2 4,000.

4,000.

400,000.

0. 0.

4,000.

3,882. 3,882.

61,686.

BAA REV 01/14/23 Intuit.cg.cfp.sp

Schedule 8812 (Form 1040) 2022 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

b Number of qualifying children under 17 with the required social security number: x $1,500.

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 $4,500 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, 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 Schedule 8812 (Form 1040) 2022

118.

3,000.

118. 61,686.

8,878. 59,186.

118.

BAA REV 01/14/23 Intuit.cg.cfp.sp

2022 Federal Tax Return

Consent to Disclose
Important Disclosures
Refund Processing Service Agreement (Copy 1)
Refund Processing Service Agreement (Copy 1)
Form 1040: Individual Tax Return
Schedule 8812: Additional Child Tax Credit