PLEASE BE AWARE THAT THIS WALLET ACCOUNT AGREEMENT CONTAINS AN ARBITRATION PROVISION AND CLASS ACTION WAIVER. BY ELECTRONICALLY SIGNING THIS WALLET ACCOUNT AGREEMENT, YOU AGREE TO THE TERMS OF THE JURY TRIAL AND CLASS ACTION WAIVER BELOW. UNLESS YOU ARE ELIGIBLE TO AND PROPERLY REJECT THE ARBITRATION PROVISION PURSUANT TO THE TERMS SET FORTH HEREUNDER, YOU AND WE AGREE TO ARBITRATE ALL DISPUTES BETWEEN US WITH LIMITED EXCEPTIONS.

Customer service contact information

Natural: Natural AI, Inc.

625 Market Street, Floor 14, San Francisco, CA 94105

Support email: support@natural.com

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I. General Wallet Account Terms

This Wallet Account Agreement (the "Agreement") contains the terms and conditions governing the Wallet Account (the "Account") made available and provided by Column National Association. Bank is a nationally chartered depository financial institution and a member of the Federal Deposit Insurance Corporation ("FDIC"). "Account Owner," "Customer," "you," and "your" means each person who owns the Account, including, with respect to any Account credentials or activity, your AI Agent(s) unless otherwise specified. "Bank," "we," "our," and "us" means Column National Association and its agents, service providers, authorized representatives, successors, and assignees. When we say "We may" or "Bank may" do something, that means you authorize us and agree to such action. You may submit a request to open the Account via Natural (as defined in this Agreement). Natural is a service provider that performs certain services related to your Account on our behalf. Bank may refuse to process any transaction(s) that it believes may violate the terms of this Agreement or Applicable Law.

Customer deposits are held in an omnibus custodial account owned by Bank, in which Bank pools as deposits the funds held by all of Natural's Customers, for their benefit ("FBO Account"). Within the FBO Account, each Customer is issued an Account, which consists of a sub-account established in each Customer's name, with its own account number extension. The deposits attributable to a Customer's Account and held in the FBO Account are covered by FDIC "pass-through" insurance up to the legal maximum for such Account. Natural directly or indirectly maintains a ledger accounting for the funds held in each Account for Bank and reconciles transactions for each Account for Bank. Bank will not commingle other funds in the FBO Account. Natural has no ownership interest in, access to, or control over the FBO Account. Bank controls the flow of funds into and out of the FBO Account, and Natural does not at any time accept or transmit Customer funds. Bank may reject any entry or instruction to debit or credit the FBO Account in its discretion.

The FDIC insures deposits according to the ownership category in which the funds are insured. Not all accounts may be insured. Unless otherwise stated by us or the FDIC, your deposits with Bank are insured to the regulatory limits by the FDIC. For purposes of determining the insurance amount applicable for your account, you may refer to information and tools describing how deposit insurance coverage works, which are provided by the FDIC at www.fdic.gov/resources/deposit-insurance or by calling 1-877-ASK-FDIC or 1-800-925-4618 (for the hearing impaired). You can also refer to the FDIC's Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie.

By agreeing to these terms, you agree to be bound by Bank's Privacy Notice (available at https://column.com/legal/privacy-notice) and Privacy Policy (available at https://column.com/legal/california-consumer-privacy-policy).

As a condition of opening and maintaining an Account with us through Natural AI, Inc. ("Natural"), you are required to enter into and maintain an agreement with Natural regarding that access through the Natural Technology. Natural provides you Account access through a website and mobile app through which you may access your Account, make transactions, and obtain other account services, instead of through a Bank branch, website, or software offered by Bank. You agree to use only the Natural Technology to access and use your Account and represent and warrant you are able to access Natural's website offered at natural.com to access your Account.

Natural is a vendor of the Bank for some purposes and will be responsible for carrying out some of our responsibilities under this Agreement, including receiving notices from you, responding to any notices relating to questions or complaints concerning your Account, and carrying out other responsibilities described in this Agreement. Accordingly, where we are responsible for matters under this Agreement, those matters may be handled either by Natural or by Bank directly, and you agree Bank may require you to contact Natural directly for assistance.

By agreeing to these terms, you acknowledge that you have or will have agreed to the terms contained in the following documents:

Natural Services Agreement (available at https://www.natural.com/nsa)

Natural Privacy Policy (available at https://www.natural.com/privacy)

Natural Authorized Use Policy (available at https://www.natural.com/aup)

Natural Pricing Page (available at https://www.natural.com/pricing)

1. Definitions

"ACH" means the Automated Clearing House.

"ACH Transfers" are transfers to or from your Account processed under National Automated Clearing House Association ("NACHA") Operating Rules.

"AI Agent" means a software system or automated process that initiates, authorizes, or executes transactions or other actions through the Natural Technology on behalf of an Account Owner pursuant to a Delegation Authorization.

"Agentic Developer" means a developer, company, or individual who is authorized to access the Natural Technology to build or use artificial intelligence ("AI")-powered payment capabilities.

"Applicable Law" means, with respect to either party and as may be amended and in effect from time to time, any applicable laws, statutes, regulations, rulings, orders, and/or guidance, including the Rules, that legally apply to either party.

"Authorization Parameters" means the transaction types, dollar limits, frequency caps, allowed counterparties, duration, and other constraints specified in a Delegation Authorization that define the scope of an AI Agent's authority to act on behalf of an Account Owner.

"Authorized Users" means natural persons or entities whom you authorize to access your Account. Authorized Users may include Contributors, as defined in the Natural Services Agreement, for whom you may request and assign Login Credentials or API access to initiate transactions on your Account.

"Business Day" means Monday through Friday, excluding U.S. federal holidays.

"Communications" means this Agreement, notices, and other communications from Bank to you.

"Delegation Authorization" means the grant of authority by you to an AI Agent or Authorized User, as applicable, to initiate transactions within specified Authorization Parameters, as defined through the Natural Technology.

"Login Credentials" means the unique username and password that you create for access to your Account through the Natural Technology.

"Natural Technology" means Natural's mobile device software application that allows you to access your Account on a mobile device or computer device and/or the Natural Website, and Natural's APIs, MCP server, and SDKs.

"Natural Website" means Natural's website at natural.com that allows you to access your Account online.

"USD" means United States Dollars.

2. General Provisions

2(a). Account eligibility

We reserve the right to decline opening an Account for any reason, including instances where previous or existing relationships or accounts with us were not maintained in a satisfactory manner. We are not liable for any damages or liabilities resulting from refusal of an Account relationship. The Account is only available electronically and for paperless customers. You must agree to accept electronic, rather than paper, communications and can retrieve Account information through the Natural Technology.

By requesting the Account, you acknowledge and agree that you are of legal age in the jurisdiction where you live and have the legal capacity to enter into this Agreement.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES ALL FINANCIAL INSTITUTIONS TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN ACCOUNT. WHAT THIS MEANS FOR YOU: WHEN YOU OPEN AN ACCOUNT, WE WILL ASK 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.

2(b). Electronic documents

If Bank is required to furnish IRS Form 1099-INT to you, by agreeing to the terms of this Agreement, you consent to allowing Bank to deliver Form 1099-INT to you electronically and you may access your tax statement through the Natural Technology or at the email address on file if delivered to you electronically. Your consent to electronic delivery shall remain in effect and apply to every tax year during which your Account remains open at Bank unless and until you have withdrawn your consent to electronic delivery or we have terminated your Account. If you do not consent to electronic delivery of your tax statement, want to withdraw your consent, or you wish to obtain a paper copy of your tax statement, you may do so at any time by submitting your request or withdrawal in writing electronically or by mail by contacting Natural at the contact information above. Your withdrawal of consent will be deemed effective five (5) Business Days after we receive it. If you need to update your information for purposes of your tax statements, you may do so by contacting Natural and providing your updated information along with any proof we may request to verify such updates.

2(c). Telephone, SMS and electronic message communication

By providing a phone number, you are expressly consenting to receive Communications at that number from Bank and Bank's agents, including Natural. Such Communications may include, but are not limited to, text messages, prerecorded or artificial voice message calls, and/or calls made by an automatic telephone dialing system. This express consent applies regardless of the call's purpose. You understand that anyone with access to your telephone or your email address, if we send emails to you, may listen to or read our communications to you, including any voicemail message we deliver to you. You agree that we will not be liable for anyone accessing our communications or for any charges that you incur in connection with any of our communications. From time to time, we may provide automatic account alerts regarding certain account activities or when certain changes are made to your account, such as a change in your email address, telephone number or password. You acknowledge that data, including emails, may be accessed by unauthorized third parties when communicated between you and the Bank, using the Internet (for example, by such third party downloading spyware or malware onto your computer), telephone, or other electronic devices. We are not responsible for any misdirected data or disclosures that occur as a result of your use of third-party electronic communication channels.

2(d). Telephone monitoring / recording

Bank and Natural may monitor and/or record telephone calls between you and Bank or Natural, including to assure the quality of Bank's or Natural's service team or as required by Applicable Law. You agree that any recorded communications may be admitted as evidence in any litigation, arbitration, controversy, hearing, or other proceeding.

2(e). Account access and account security

You may only access your Account through the Natural Technology. Your Account, Login Credentials, and related information can also be used to electronically remove money from your Account, and payment can be made from your Account even though you did not contact us directly and order the payment. It is your responsibility to protect the Account number, Login Credentials, and electronic access devices we provide you for your Account. Do not discuss, compare, or share information about your Account information or Login Credentials with anyone unless you are willing to give them full use of your money. Your Account information and Login Credentials can be used by thieves to issue a debit to your Account. If you furnish your access device and grant actual authority to make transfers to another person (a family member or friend for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized. Keep your Account number, Login Credentials, and statements secure at all times. Make sure to also keep your mobile device and computer secure at all times and avoid accessing the Natural Technology when others can see your screen. If your Account number, Login Credentials, or mobile device are lost or stolen, notify Natural immediately to limit your liability for unauthorized transactions that may occur. We reserve the right to place a hold on your Account if we suspect irregular, fraudulent, unlawful or other unauthorized activity involved with your Account. We may attempt to notify you of such a hold, but we are not required to provide notice prior to placing the hold. You agree that we may maintain such a hold until all claims against you or us to the funds held in your Account, whether civil or criminal in nature, have been resolved fully to our sole satisfaction.

2(f). Updating information

You must notify us immediately if there is a change to your name, telephone number, address, email address or any other information you have provided us. You may notify us of changes to information through updating your profile details in the Natural Technology. We may require proof of any change to certain information. We will attempt to communicate with you only by use of the most recent email address you have provided to us. Any notice we provide to you will be deemed received when sent to the last (postal or electronic) address for you in our records, or when made available to you in the Natural Technology. We may change your address if we receive an address change notice from the U.S. Postal Service or if we determine in our sole discretion that the address in our records no longer matches your address.

2(g). Security procedures

You may only access your Account through the Natural Technology and subject to the Security Procedures. The Security Procedures consist of your Login Credentials and Natural's dual-factor authentication process for securely accessing your Account through the Natural Technology. You are solely responsible for safeguarding your Login Credentials. You must promptly notify Natural of any confidentiality breach or unauthorized use of your Login Credentials or your Account.

2(h). Authorized users

In addition to your own Login Credentials, you may request and assign Login Credentials to Authorized Users. Authorized Users may include Contributors as defined in the Natural Services Agreement. Bank or Natural may, at their discretion, limit the number of Authorized Users for your Account. You are solely responsible for causing your Authorized Users to safeguard their Login Credentials and to use them only in accordance with this Agreement, and you are solely responsible for disabling Login Credentials for any individual or entity who is no longer authorized to access the Account on your behalf. Any Authorized User who is a natural person must be at least 18 years of age and able to form a legally binding contract in the United States. Authorized Users must provide valid identifying information if requested. You, and not Bank, are responsible for any use or misuse of your or your Authorized Users' Login Credentials. Authorized Users may permission AI Agents to transact in connection with your Account, and you acknowledge and agree that you, and not Bank, are responsible for AI Agent activity permissioned by Authorized Users.

You acknowledge and agree that any AI Agent using your Login Credentials or those of an Authorized User is acting as you or your Authorized User, respectively. You are responsible for all activity by that AI Agent to the same extent as if you or the Authorized User had conducted such activity yourself.

2(i). Eligible instructions

To the extent permitted by Applicable Law, any instruction communicated to Bank will be effective as your instruction, whether or not authorized, and regardless of the actual identity of the sender thereof, if it is an Eligible Instruction accepted by Bank in good faith. An "Eligible Instruction" means any funds transfer or transaction request, payment instruction, or other instruction related to your, your AI Agents', and your Authorized Users' use of the Account that is submitted in compliance with the Security Procedures through the Natural Technology. Any Eligible Instruction submitted by an AI Agent will be treated as your authorized instruction, regardless of whether you individually reviewed or approved the specific transaction, provided the AI Agent has a valid Delegation Authorization. Bank is not obligated to act on any instruction other than Eligible Instructions. You are solely responsible for the accuracy and completeness of each Eligible Instruction. You acknowledge and agree that the submission of Eligible Instructions represents a commercially reasonable method of providing security against unauthorized transactions, unless you are a Consumer Customer and have given us prior notice of possible unauthorized use of your Account or compromised Login Credentials and we have had a reasonable opportunity to act on such notice. If you are a Commercial Customer, you acknowledge and agree that you and Bank have not agreed upon any procedures for the detection of errors and you are solely responsible for any errors not caused by Bank.

3. Account Ownership and Use

3(a). Purpose

Your Account is subject to the terms and conditions set forth in this Agreement. Your Account is offered under this Agreement for the purposes of collecting and receiving payments and conducting permitted deposit, withdrawal, and funds transfer transactions. You may use the Account to enable AI Agents, vendors, contractors, and other permissible payees to send and receive funds as permitted by this Agreement and the Natural Technology. Unless otherwise specified, the Account is a non-interest-bearing Wallet Account used to hold your deposits and make payments and transfers to other accounts at other banks and to third parties through the Natural Technology. Your Account is a limited-purpose wallet account, not a demand deposit account, checking account, savings account, or general transactional account. We do not assume any fiduciary obligation on your behalf. You are responsible for all authorized transactions initiated and fees incurred by use of the Account.

3(b). Ownership

Please see Parts II and III for the terms applicable to your Account.

3(c). Linking external account

You may link your bank account at another financial institution located in the U.S. ("Linked Account") to your Account in order to transfer funds between your Linked Account and your Account. We may require you to provide proof that the external account: (i) is a deposit account held at a bank located in the U.S.; (ii) is an account in which you have full right and authority to the funds; (iii) is not a trust account; and (iv) is individually or jointly owned by you. If you are a Consumer Customer, you may not link a business account. If you are a Commercial Customer, your Linked Account must be a business account, and you may not link a consumer account. We may restrict linking to an external account at specific financial institutions. You authorize us, our agents, and service providers to verify ownership of the Linked Account. You represent and warrant: (1) that you have the right to authorize any and all charges and debits to the Linked Account; (2) the Linked Account is held at a depository institution located in the U.S.; and (3) you are individually or jointly the owner of the Linked Account. You will indemnify and hold us harmless from any claims by any person related to the Linked Account, including any other owner of the Linked Account. You are not permitted to link your Account with a credit, debit, gift, or other type of card issued by a third party or another bank. You may deposit funds into or, as permitted under the terms of this Agreement, withdraw funds from your Account by using the Natural Technology to initiate an Automated Clearing House transfer to or from the Linked Account. Requests for ACH debits to the Linked Account that are made before 11:00 p.m. Pacific Time on a Business Day shall be considered received on the Business Day the request is made. Requests for ACH debits to the Linked Account that are made after 11:00 p.m. Pacific Time on a Business Day or on a non-Business Day, shall be considered received the next Business Day.

3(d). Statements

We make statements available to you online through the Natural Technology. You will get a monthly account Statement through Natural (unless there are no transfers in a particular month, and in any case you will get the statement at least quarterly). You agree to immediately notify us if you do not receive your Statement by the date you normally expect to receive it, as this can be a sign that there is an issue with your Account. You agree to notify us promptly if you change your mailing address or email address. You also agree that if the U.S. Postal Service or one of its agents notifies us of a change in address for you, we may change your address based on such information, even if the information provided by the U.S. Postal Service is in error. If any statement is returned to us because of an incorrect address, we may stop sending statements to you, but for all purposes it shall still be considered as if we made your statement of account available to you as of the statement date that was or would have been printed on your statement, showing information sufficient to allow you to reasonably identify the items paid. We reserve the right to implement standard charges for any paper statements.

It is your responsibility, and you agree, to examine each statement for any unauthorized transactions, errors, or irregularities on the statement. You agree to contact us immediately upon your discovery of any unauthorized transaction, error, or irregularity appearing on your statement in accordance with this Agreement. Timely notification is required of you to resolve certain errors or unauthorized transactions.

3(e). Power of attorney and death or incompetence

Please see Part III for additional terms applicable to Consumer Customers.

4. Interest Rates and Fees

4(a). Rate & Fee Schedule

Information on applicable rates and fees is set forth in Exhibit 1 ("Rate and Fee Schedule"). You authorize Bank to access your Account to debit any fees, charges, or costs owed to Bank, even if doing so creates an overdraft.

4(b). Minimum balance and interest

There is no initial deposit or minimum balance required to qualify for, open or maintain your Account. The Account is non-interest bearing.

5. Deposits

Deposits are subject to limitations specified in this Agreement. For security reasons, we may impose deposit limits. Confidentiality of certain details related to these additional limits is essential to the security of an account or system. Please see Exhibit 2 ("Transaction Limitations") for additional information on limits. Additional transaction limits may be disclosed to you through the Natural Technology, including limits specific to AI Agents or Authorized Users. When you make a deposit, we act only as your collection agent and will not be responsible beyond the exercise of ordinary care. The following terms apply to deposits made to your Account:

5(a). Deposit methods

You may deposit funds to your Account by initiating a funds transfer from a Linked Account. You may also deposit funds to your Account by any other method we make available, including by Mobile Check Deposit, if enabled by Bank for your Account. In addition, Natural may support account deposits (funding) through other eligible debit or credit cards via third-party processors.

5(b). Cash, ATM, or foreign currency deposits

You cannot deposit paper checks, cash or any form of deposit denominated in a foreign currency into your Account. You may not make any deposit by mail. We are not responsible for deposits made by mail, night depository or other outside depository. We may return any paper check, cash or foreign currency mailed to us to the address we have on file for you. We are not liable if you do not receive the returned funds. You may not make deposits into your Account at any automated teller machine ("ATM"), unless we make such method available to you. All deposits must be of, or denominated in, United States currency.

5(c). ACH transfers

Please see Parts II and III for the terms applicable to your Account.

5(d). Mobile check deposit

If enabled by Bank for your Account, you may deposit funds into your Account by Mobile Check Deposit, pursuant to Bank's terms and conditions for mobile check deposit (See Exhibit 3 "Mobile Check Deposit Addendum").

5(e). Right to refuse deposits

We may refuse a deposit, or part of a deposit, at any time and for any reason. We also may refuse a deposit after initially accepting it. We will not be liable to you for refusing a deposit, even if it causes us to decline any transactions you have already made. In addition to any of the limitations specified in this Agreement, we may further restrict or limit your ability to receive transfers when we reasonably believe there may be fraudulent, suspicious or illegal activity on or impacting your Account.

5(f). Deposit discrepancies

When you make a deposit to your Account, we will credit your Account for the amount of the deposited items. We reserve the right to review the deposit and confirm the amount you deposited but are not required to do so. If after any review we determine that the amount credited to your Account is incorrect, we may adjust your Account for the amount of the discrepancy but reserve the right not to do so if the discrepancy would not be a disadvantage to you.

5(g). Deposit liability

Bank is not liable for any deposits not received by Bank. Credit given by us to you with respect to a transfer to your Account is provisional until collection is final, including on-us transfers. Provisional credit may be reversed at any time without notice. If final payment is not received or if any transfer deposited is charged back to us for any reason, you are hereby notified and agree that we are entitled to a refund of the amount credited to your Account in connection with such transfer, and the party making payment to you via such transfer shall not be deemed to have paid you the amount of such transfer. If a deposit or transfer to your Account is returned or rejected by the paying financial institution or sender for any reason, or if there is an error or mistake involving a deposit or transfer, we may deduct the amount of the deposit, transfer or error without prior notice to you.

6. Withdrawals

Withdrawals are subject to limitations specified in this Agreement. For security reasons, we may impose withdrawal limits. Confidentiality of certain details related to these additional limits is essential to the security of an account or system. Please see Exhibit 2 for additional information on limits. Additional transaction limits may be disclosed to you through the Natural Technology. You may make withdrawals or transfer funds from your Account by any means we make available to you. Accounts may not be accessed in person. You may not permit or allow for any items to be drawn upon your account and if drafts, electronic debits, checks or other orders of payment from your account are issued by any third party, the Bank bears no liability for such items. The following terms apply to withdrawals from your Account:

6(a). Manner of withdrawal

You may make withdrawals from your Account in any manner that we permit and make available to you. We may refuse to accept any check other than standard checks provided by us, or other checks approved by us in advance. Withdrawals and transfers from your Account may be restricted as provided in the Agreement or by Applicable Law.

6(b). Re-presentment

A transfer returned unpaid due to nonsufficient funds may be re-presented for payment by a merchant multiple times. Each re-presentment is a separate transfer. We will determine, in our sole discretion, whether to pay or return each transfer each time it is presented or re-presented to us for payment, which may result in your Account being charged multiple fees related to the same transfer, if we charge insufficient funds fees, and may cause other transfers you have authorized to be declined or returned unpaid. You acknowledge that a re-presentment may be attempted on the same day as (or any later day after) the original attempt to present the transfer for payment. You further acknowledge that we have no control over when a merchant chooses to re-present a payment and that it is your sole responsibility to ensure that you maintain adequate funds in your available Account balance to cover all of the transfers you have authorized.

6(c). Withdrawal restrictions / no overdrafts

We may refuse or restrict withdrawals and transfers from your Account in our sole discretion for any purpose permitted by Applicable Law. You are not permitted to overdraw your Account.

If there are insufficient funds available in your Account to cover a withdrawal or debit presented against your Account, we may reject such withdrawals in our sole discretion. Even if we choose to pay one or more overdrafts as a courtesy to you, in our sole discretion, we are not obligated to cover any future overdrafts and fees or interest may apply to any overdraft we permit. If your Account balance becomes negative for any reason, you must make a deposit immediately to cover the negative balance. If your Account has a negative balance for thirty (30) calendar days or more we reserve the right to close the Account. In the event you fail to pay the amount of any overdraft and Bank refers your overdrawn Account to an attorney for collection, you agree to pay all reasonable expenses, including, but not limited to, reasonable attorneys' fees and court costs incurred by Bank as a result of your account being overdrawn.

6(d). Request for information

Before permitting a withdrawal or other transaction, we may request that you provide us with additional information or documentation that we deem necessary to confirm your identity or to prevent illegal activity. We may refuse the transaction if you do not comply with our request.

6(e). Real Time Transfers

Please see Part III for additional terms applicable to Consumer Customers.

6(f). Check withdrawal requests

You may request individual preauthorized checks be remitted as payments to third parties ("Check Withdrawal Requests") through the Natural Technology. Check Withdrawal Requests may be submitted as an Eligible Instruction through the Natural Technology, must follow the instructions provided in the Natural Technology, and must include a payee address located within the fifty (50) states of the United States and its territories. You must pre-fund the Account prior to submitting a Check Withdrawal Request, and Bank shall have no obligation to execute any Checks requested by you for which funds are not available in the Account. Check Withdrawal Requests to remit checks to an international address will be denied. Once requested and approved, a paper check will be generated and sent to the payee name and address provided by you. You are solely responsible for ensuring the accuracy of the information contained in a Check Withdrawal Request and Bank and Natural are not liable for checks sent to an incorrect address or payee. You authorize us to debit your Account for the check amount. To the extent permitted by Applicable Law, you authorize us to release funds availability information about your Account to individuals or merchants who represent to us that they have received a check from you.

Checks deemed undeliverable will be returned to you at the postal address we have on file for the Account. You agree and acknowledge that Bank and Natural are not liable for any damages incurred by you arising from, or related to, any Check Withdrawal Requests, including any damages arising from an incorrect address or refusal of a payee to accept a check drawn on the Account as payment.

You may not make a payment of alimony, child support, taxes, or other governmental fees or court-directed payments via Check Withdrawal Requests.

Checks may be refused or returned by the individual or company to whom the payment was issued. The determination to accept this method of payment is at the discretion of the recipient. If the check payment is returned for any reason, the payment will be voided and the full amount credited to your Account the next Business Day.

If your check has not been presented for payment within ten Business Days, we may investigate the status of the check. If the payee cannot be reached, or the payment is to an individual and the check has not been presented for payment within ninety (90) days after the date the funds are withdrawn from your Account, we may place a stop payment order on the check and refund your Account.

All negotiable paper checks presented for deposit must be in a format that can be processed and we may refuse to accept any check that does not meet this requirement. All endorsements on the reverse side of any check deposited into your account must be placed on the left side of the check when looking at it from the front, and the endorsements must be placed so as not to go beyond an area located ½ inch from the left edge of the check when looking at it from the front. It is your responsibility to ensure that these requirements are met, and you are responsible for any loss incurred by us for failure of an endorsement to meet this requirement.

6(g). Postdated items

You agree that when you submit a Check Withdrawal Request, you may not request to date the check in the future. If you do and the check is presented for payment before the date of the check, we may pay it or return it unpaid. You agree that if we pay the check, the check will be posted to your Account on the date we pay the check, even though the posting date is prior to the date of the check. You further agree that we are not responsible for any loss to you in doing so.

6(h). Stale checks

We reserve the right to pay or dishonor a check more than ninety days old without prior notice to you.

6(i). Stop Payment Order against a check or other item

A stop payment request against a check or other item payable from your Account ("Stop Payment Order") will be effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity to act upon the order. A Stop Payment Order is effective for six (6) months, but it lapses after fourteen (14) calendar days if the original Order was oral and was not confirmed in writing within that period. A Stop Payment Order may be renewed for additional six (6) month periods if renewed during a period within which the Stop Payment Order is effective. You must provide the date, the amount, and the number of the item or authorization, together with the name of the payee, for a Stop Payment Order to be complete and effective. If you give us incomplete or incorrect information, Bank and Natural will not be liable for failing to stop payment on the item or authorization. Our acceptance of a Stop Payment Order will not constitute a representation that the item or authorization has not already been paid or that we have a reasonable opportunity to act upon the order. You may not stop payment on an official, certified, cashier's, or teller's check issued by us, or request us to stop payment if we have otherwise become accountable for the item or authorization. In addition, you may not stop payment on payment methods governed by a separate agreement. Further, you may not stop payment on an item or authorization after acceptance of the same by us.

6(j). Wires

Please see Part III for additional terms applicable to Consumer Customers.

6(k). Remittances

Please see Part III for additional terms applicable to Consumer Customers.

7. Funds Availability

7(a). Transaction posting order

Bank reserves the right to decide the order of the items Bank will pay and which items will be returned (if any). Bank's posting order may not be the same as the order in which you conducted a transaction and could result in overdraft fees if you do not have available funds at the time the item is paid. Posting order impacts your available Account balance. We use automated systems to process transactions and then to post transactions to your Account. When we process multiple transactions for your Account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Generally, Bank posts the following transaction types (to the extent applicable to your Account) after the close of each Business Day in the following order:

Deposits and credits Bank receives before the close of each Business Day will be posted before any withdrawals.

Your debits and withdrawals will be posted in date/time order, based on the date and time associated with each transaction. The order by which you make transactions on your Account may not be the same as the order in which we post those transactions to your Account. If date and time are not available, by lowest to highest dollar amount.

You agree that we may determine in our discretion the orders in which we post transactions to your Account. We reserve the right to change our order of posting from time to time. Your available Account balance may not include transactions you have authorized that we have not received. Your available Account balance is viewable at any time through the Natural Technology, but it is important to understand that it may not reflect transactions you have authorized that have not yet been presented to us for payment. If a transaction is presented without sufficient funds in your Account to pay it, we may, at our discretion, return the transaction for insufficient funds (NSF).

7(b). Funds availability

Bank makes funds available according to the type of deposit and when the funds are applied or credited to your Account and in accordance with Applicable Law. Some types of deposits may not be available for immediate use. When Bank delays the availability of funds or places a hold on a deposit made to your Account, you may not withdraw those funds, and Bank will not use them to pay any debits. Bank has the right to refuse any deposit. The length of the delay in the availability of funds varies depending on the type of deposit. If final payment is not received on any item you have deposited into your Account, you agree to pay Bank the amount of the returned item if such item has already been credited to your Account. You may only deposit funds that are immediately available.

Bank receives deposits each Business Day. If you make a deposit by electronic payment before 11:00 p.m. Pacific Time on a Business Day, we will consider that day to be the day of your deposit. However, if you make a deposit after 11:00 p.m. Pacific Time or on a non-Business Day, we will consider that the deposit was made on the next Business Day.

Deposits made by electronic payment, excluding those by ACH debit transactions, will be made available to you the day that the deposit is received but no later than the first Business Day after the day that the deposit is made.

Deposits made by any other permissible deposit method, excluding deposits made by Mobile Check Deposit, will be made available no later than the second Business Day after the day that the deposit is made.

If enabled by Bank for your Account, the availability of deposits made by Mobile Check Deposit are subject to the terms of the Mobile Check Deposit Addendum.

We reserve the right, subject to Applicable Law, to hold funds pending settlement or for such period of time as we deem necessary, in our sole discretion, to cover items which may be returned unpaid.

7(c). Special rules for new accounts

Accounts open less than thirty (30) days may be limited in functionality. Funds credited to your Accounts may be made available provisionally or delayed for a reasonable amount of time in accordance with Applicable Law. Certain transfer limits may be lower during this time for certain features and services, or as allowed under Applicable Law or regulation.

8. Funds Transfers

8(a). Transaction screening

Bank may screen and reject any funds transfer request in good faith, including because Bank believes that the funds transfer, if executed, would not comply with Applicable Law or would exceed the amount of funds in your Account or any established limits on your Account. In this situation, Bank is not liable for failing to complete a transaction from your Account on time or in the correct amount.

8(b). Accuracy of information

Please see Parts II and III for the terms applicable to your Account.

8(c). Permitted funds transfers

Funds transfers to and from your Account are permitted only under limited circumstances. Funds transfers into your Account are permitted for the purposes of funding the Account. When you request a funds transfer out of your Account in order to make a payment to a third party, Bank may hold the transferred funds pending the payee's acceptance if you select the payment link transfer method. You may no longer see such funds as part of your available balance and you may no longer use such funds to pay a different party; however, you continue to own such funds and they will continue to be held as your funds in your Account until accepted by the payee. In such instances, the payment will remain pending until accepted by the payee, and the payee must accept the funds transfer through the Natural Technology. If the payee fails to accept the funds transfer within 30 days, the payment will be automatically canceled, the hold on such funds will be released, and the funds will return to your Account balance. You may cancel a pending payment at any time before it is accepted by the payee.

8(d). Limitation on amount of transactions

Bank may impose and adjust transaction limits on your Account, in its sole discretion. Applicable transaction limits will be disclosed to you through the Natural Technology.

8(e). Bank's liability for failure to complete transactions

You acknowledge that, to the fullest extent permitted by law, you are responsible for reconciling all transactions and balances against those maintained by Bank.

8(f). Funds transfer system

You acknowledge that any payment orders governed by this Agreement may be governed by the rules of any funds transfer system through which any payment order is made, including the Fedwire Funds Service, National Settlement Service, any other Federal Reserve payment system, NACHA, payment systems offered by The Clearing House, the Society for Worldwide Interbank Financial Telecommunications ("Swift"), the Clearing House Interbank Payments System ("CHIPS"), and any other funds transfer system (each and collectively a "Funds Transfer System"). By submitting a funds transfer request, you agree to and accept any rule of such Funds Transfer System, to the extent applicable to any transaction. The beneficiary's bank must be a member of the Funds Transfer System, or ultimately have a correspondent bank that is a member or participant of the Funds Transfer System, as applicable to the funds transfer request.

8(g). Your liability for unauthorized transfers

Please see Parts II and III for the terms applicable to your Account.

8(h). Wire transfers

Please see Part II for additional terms applicable to Commercial Customers.

8(i). ACH transactions

Please see Part II for additional terms applicable to Commercial Customers.

8(j). Real Time Transfers

Please see Part II for additional terms applicable to Commercial Customers.

8(k). Exchange Rates

Please see Part II for additional terms applicable to Commercial Customers.

9. Agentic Payment Terms

You may credential one or more AI Agents to transact on your behalf and otherwise interact with your Account via the Natural Technology. You may credential such an AI Agent via a Delegation Authorization through the Natural Technology. AI Agents are subject to the Authorization Parameters set by you in the Natural Technology. AI Agents may only interact with your Account via the permissions and access provided by Natural, and only agents from Agentic Developers are eligible to be credentialed as AI Agents. All use and activity of AI Agents is subject to the terms and conditions set forth by Natural, which can be found at https://www.natural.com/nsa. You may provide or revoke a Delegation Authorization, set Authorization Parameters, review your transaction history, and otherwise manage Account activity via the Natural Technology.

An AI Agent may only initiate transactions within the Authorization Parameters you have specified. You acknowledge and agree that: (i) it is your responsibility to correctly configure and execute the Authorization Parameters; (ii) Bank has no obligation to independently verify whether a given AI Agent-initiated transaction falls within the applicable Authorization Parameters before processing it; (iii) Bank's processing of a transaction outside the Authorization Parameters does not limit your liability for such transaction; and (iv) you are fully responsible for all transactions initiated by any AI Agent you have deployed, including transactions that exceed the Authorization Parameters.

An AI Agent is acting as you, and you understand and agree that Bank and Natural will treat any activity by an AI Agent as if it were conducted by you. You are responsible for any transactions or other activities initiated or otherwise conducted by an AI Agent you deployed, whether or not such transactions or activity were authorized, expected, or intended by you, to the fullest extent permitted by Applicable Law. You are responsible for any sharing of your Login Credentials with third parties, including third-party AI agents, and any transactions such third parties may conduct or activities they may take using your Login Credentials. Contact Natural immediately if you think your Login Credentials have been shared or otherwise compromised or if you believe an AI Agent is acting outside the Authorization Parameters or subject to an invalid Delegation Authorization.

Revoking a Delegation Authorization counts as notice that an AI Agent's transfers are no longer authorized.

10. Deposit Sweeps

When you open an Account, you agree to participate in Bank's deposit sweep program ("Deposit Sweep Program") and agree to be bound by the Deposit Sweep Program terms and conditions (the "Sweep Agreement"), available at https://www.natural.com/sweep-program-agreements. Pursuant to the Sweep Agreement, you agree to appoint Bank as your agent and custodian for the limited purpose of depositing Account funds into deposit accounts (each a "Deposit Sweep Account") at one or more other depository institutions (each, a "Network Institution"). Deposits that we place for you in Deposit Sweep Accounts ("Deposit Sweep Balances") are "deposits," as defined by Applicable Law, at the Network Institutions. Subject to the terms and conditions of the Sweep Agreement, your Deposit Sweep Balances may be eligible for FDIC insurance. Refer to the Sweep Agreement for more details.

11. Miscellaneous Provisions

11(a). Recovery assistance

To the greatest extent permitted by law, if you claim a credit or refund because of an unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen access credentials or unauthorized withdrawals. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. To the greatest extent permitted by law, our liability will be reduced by the amount you recover or are entitled to recover from these other sources.

11(b). Notice

Except as otherwise provided in this Agreement, in the event you must contact Bank or send Bank any notice required by this Agreement, you must do so by contacting Natural. Natural's contact information is set forth at the top of this Agreement.

Except as otherwise expressly provided in this Agreement, Bank is not required to act upon any communication, notice, or instruction received from you or any other person or to provide any notice or advice to you or any other person with respect to any matter. Notwithstanding the foregoing, if Bank acts upon any communication, notice, or instruction, then Bank has a reasonable time in which to act, after actual receipt of the notice or instruction.

11(c). No waiver

Bank does not waive its rights by delaying or failing to exercise them at any time.

11(d). Illegal transactions, account restrictions, account closures

You must not use your Account for any illegal purposes, to conduct transactions in order to hide or disguise funds or assets derived from illegal activities or internet gambling, regardless of whether internet gambling is legal or illegal. This prohibition includes any transaction that is illegal in the jurisdiction where you live, in the jurisdiction where the transaction is consummated, or in any other jurisdiction affected by the transaction. You are responsible for determining the legality of each of your transactions in all applicable jurisdictions before entering into the transaction. We have no obligation to you under this Agreement to monitor, review or evaluate the legality of any transaction. We reserve the right to place a hold on your Account if we suspect irregular, fraudulent, suspicious, unlawful or otherwise unauthorized activity, subject to Applicable Law. We may attempt to notify you of such a hold but unless required by law, we are not required to provide notice prior to placing the hold or thereafter. We also may attempt to contact you to obtain additional information regarding the activity in your Account. We reserve the right to maintain any hold and restrict access to the Account until we receive the requested information, subject to Applicable Law. To the maximum extent permitted by Applicable Law, you agree that we may maintain such hold until all issues, including claims against you or us, concerning the funds held in your Account have been resolved fully to our sole satisfaction. We also reserve the right to reject any incoming credit transaction. Bank will not be held liable for any loss you incur if your Account is restricted or subject to a hold, subject to Applicable Law. Notwithstanding the foregoing, we may collect on any debt arising out of any illegal or unlawful transaction, to the extent permissible under Applicable Law.

11(e). Unlawful internet gambling transactions prohibited

You certify that you do not engage in, and during the life of this Agreement will not engage in, any activity or business that is unlawful under the Unlawful Internet Gambling Enforcement Act of 2006, 31 USC 5361, et seq., (the "UIGEA"). You may not use your Account or any other service we offer to receive, transfer, or credit funds, instruments or proceeds that arise out of a business that is unlawful under the UIGEA. You agree that if anyone asks us to process a transaction that we believe is restricted under the UIGEA, we may block the transaction and take any other action we deem to be reasonable under the UIGEA and this Agreement. You may not use your Account for online gambling or any illegal transactions. Bank may refuse to process any transaction that it believes may violate the terms of this Agreement or Applicable Law. You acknowledge and agree that Bank has no obligation to monitor, to review or to evaluate the legality of your transactions. To the fullest extent permitted by law, you agree to pay for any transaction that you authorized, even if that transaction is determined to be illegal.

11(f). Holds

We may place administrative holds on the funds in your Account (refuse payment or withdrawal of the funds) if they become subject to a claim adverse to (A) your own interest; (B) others claiming an interest as survivors or beneficiaries of your Account; or (C) a claim arising by operation of law. The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your Account for these reasons.

11(g). Right to set off

Please see Parts II and III for the terms applicable to your Account.

11(h). Tax reporting and backup withholdings

Please see Parts II and III for the terms applicable to your Account.

11(i). Legal processes affecting accounts

If legal action such as a garnishment, levy or other state or federal legal process ("Legal Process") is brought against your Account, Bank may refuse to permit (or may limit) withdrawals or transfers from your Account until the Legal Process is satisfied or dismissed. Regardless of the terms of such garnishment, levy or other state or federal process, Bank has first claim to any and all funds in your Account for your liability under this Agreement. Bank will not contest on your behalf any such Legal Process and may take action to comply with such Legal Process as Bank determines to be appropriate in the circumstances without liability to you, even if any funds Bank may be required to pay out to comply with the Legal Process leaves insufficient funds to pay a transaction that you have authorized. Payment is made after satisfying any fees, charges or other debts owed to Bank. You agree that you are responsible for any expenses, including legal expenses and fees Bank incurs due to any Legal Process on your Account. Bank may charge these expenses to your Account. You will indemnify Bank for any losses if it does this.

In the event of any dispute over the funds other than a legal action (including, without limitation, any dispute over what persons are authorized to represent or act for the Account owner), we may, in our sole discretion:

continue to rely on the Account documents in our possession, and rely on instructions from the owner or persons we reasonably believe are authorized to represent or act for the owner;

honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim;

refuse to pay out any money from an Account until the dispute has been resolved by a court or by agreement of the parties that is documented to our satisfaction;

file an action in interpleader with respect to any money where we have been notified of disputed claims to that money, and we are not required to determine whether that dispute has merit in order to refuse to pay, or interplead, the funds; and/or

close the Account and pay the proceeds to the Account owner or to the owner and all who have or claim an interest in the account.

Any such claim is subject to our security interest in your Account and our right of setoff. We will not have any liability to you if there are insufficient funds to pay your transfers because we have withdrawn funds from your Account or in any way restricted access to your funds in accordance with the claim. Unless prohibited by law, you agree that we may charge against your Account any fees or expenses we incur because of any such dispute, including, without limitation, attorneys' fees and our internal expenses.

11(j). Account inactivity and escheatment

An Account that is inactive for eighteen (18) months may be considered dormant. Each state has varying laws as to when an account is subject to escheatment and Bank may be required to send the balance in your Account to the state of your last known address. You understand that if your Account is inactive (dormant), we may close your Account. We reserve the right to refuse to return any unused balance amount less than $1.00. You agree that we are relieved of all responsibility if your Account balance is escheated in accordance with Applicable Law. Your Account will become inactive unless you have conducted activity in your Account, such as depositing or withdrawing funds.

11(k). Account termination, cancellation, or amendment

Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on the Natural Technology, and any such amendment shall be effective upon such posting to the Natural Technology, unless additional advance notice is required under Applicable Law. You will be notified of any amendment(s) in the manner provided by Applicable Law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel, restrict or suspend your Account or terminate this Agreement at any time. You may cancel this Agreement by contacting Natural to close your Account. Your cancellation of this Agreement will not affect any of Bank's rights or your obligations arising under this Agreement prior to cancellation.

If your Account is cancelled, closed or terminated for any reason, we will return the remaining balances to you via ACH transfer to one of your external accounts on Bank's records or via paper check to the address on file. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Bank reserves the right to refuse to return any unused balance amount less than $1.00, subject to applicable law.

11(l). No warranty of availability or uninterrupted use

From time to time, services related to the Account may be inoperative. You agree that, except as required by Applicable Law, Bank will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall Bank be liable for extended interruptions due to failures beyond Bank's control, including, but not limited to, the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.

11(m). Bank's relationship with you

This Agreement and the deposit relationship do not create a fiduciary or agency relationship with Bank. The relationship between Bank and you is that of creditor and debtor and under no circumstances will Bank owe you any fiduciary or other duty.

11(n). Section headings

The headings in this Agreement are only for convenience and do not in any way limit or define your or our rights or obligations under this Agreement. Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so the singular includes the plural and the plural includes the singular, and the words "include," "includes" or "including," mean without limitation by reason of enumeration.

11(o). Systems and software and force majeure

We shall not be responsible to you for any loss or damages suffered by you because of the failure of systems and software used by you to interface with our systems or systems and software utilized by you to initiate or process banking transactions whether such transactions are initiated or processed directly with our systems or through a third-party service provider. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately. You agree we have no responsibility or liability to you or any third party for failure or delay in our performance under this Agreement or for any losses due to causes or conditions including, without limitation, delays and/or interruptions of business due to any act of God, natural disaster, fire, pandemic, act of government authority, act of public enemy or war, riot, civil disturbance, insurrection, labor difficulty, power failure, telecommunications failure, severe adverse weather condition or other causes beyond our reasonable control. The time, if any, required for such performance under this Agreement, shall be automatically extended during the period of such delay or interruption.

11(p). No warranty regarding goods or services

Bank is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase using your Account.

11(q). Survival

All provisions of this Agreement shall survive the termination of this Agreement or closure of your Account by either party for actions arising in connection with this Agreement or your Account(s).

11(r). Ordinary care

You agree that any act or omission made by us in reliance upon or in accordance with any provision of the Uniform Commercial Code as adopted in the state of California, or any rule or regulation of the state of Utah or a federal agency having jurisdiction over the Bank, shall constitute ordinary care.

11(s). Governing law

This Agreement shall be governed by federal law and, to the extent not superseded by federal law, the laws of the State of California. You understand that we must comply with Applicable Law, as well as the operating rules of any applicable Funds Transfer System. You agree that if there is any inconsistency between the terms of the Agreement and any Applicable Law, the terms of the Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement. If otherwise, Applicable Law shall govern but only to the extent of such inconsistency.

11(t). Severability

If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement (or any prior agreement you may have had with us) shall not be affected.

11(u). Reclamation

Electronic payments made by the Federal Government to Social Security and Railroad Retirement recipients are subject to reclamation after the death of the recipient. Subject to Applicable Law, we reserve the right to charge the account to which the electronic payments were made for the full amount of the reclamation.

11(v). Assignability

The Account established under this Agreement is not assignable or transferable by you except with our consent. Your Account is not transferable or assignable as collateral for a loan or for any other purpose. We must approve any pledge of the Account and any such pledge remains subject to any right we have under the Agreement and applicable state and federal law. If ownership is proposed to be transferred, we may require the Account be closed and a new account opened in the name of the transferee or pledgee.

12. Limitation of Liability

Except as required by Applicable Law, Bank shall have no liability to you if Bank is unable to complete a transaction for any reason beyond Bank's control. Except as otherwise expressly provided in this Agreement or as otherwise required by Applicable Law, Bank, Bank's affiliates, Natural, and their employees, contractors, officers, directors, and assigns, along with the parties with whom Bank contracts in order to offer your Account and/or related services, are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to your Account, any products or services purchased using your Account or pursuant to this Agreement (as well as any related or prior agreement you may have had with Bank). You waive all claims and any right to recover from Bank on any claim of negligence, breach of any implied covenant, breach of fiduciary duty, commercial unreasonableness, loss of business, or loss of business opportunity or advantage.

Bank shall not be responsible for your acts or omissions including the amount, accuracy, timeliness of transmittal or due authorization of any Entry received from you or the acts or omissions of any other Person, including without limitation any ACH Operator, including transmission or communications facilities, any Receiver or RDFI, including the return of an Entry by such Receiver or RDFI, and no such Person shall be deemed Bank's agent.

Except as otherwise required by Applicable Law, Bank's liability for any act or omission will not exceed your direct losses.

13. Indemnification

To the maximum extent permitted by Applicable Law, you agree to defend, indemnify, and hold harmless Bank and its subsidiaries, affiliated companies, employees, contractors, officers, directors, and assigns against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys' fees) that arise from your use of the Account, including any services provided in connection with the Account, your acts or omissions, or your violation of this Agreement, Applicable Law, or any third-party rights or your fraud or willful misconduct. This includes any activity by AI Agents or Authorized Users. Bank reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

14. Dispute Resolution

YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND BANK ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND. YOU CAN OPT OUT OF THIS CLASS ACTION WAIVER BY CONTACTING BANK AT 1110 GORGAS AVE, SUITE A4-700 SAN FRANCISCO, CA 94129 WITHIN THIRTY (30) DAYS AFTER YOU FIRST ACCEPT THE TERMS OF THIS AGREEMENT, STATING THAT YOU (INCLUDE YOUR FIRST AND LAST NAME) DECLINE THIS CLASS ACTION WAIVER.

EXCEPT FOR DISPUTES THAT QUALIFY FOR SMALL CLAIMS COURT, ALL DISPUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND BANK, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY AND YOU AGREE THAT BANK AND YOU ARE EACH WAIVING THE RIGHT TO TRIAL BY A JURY. IF YOU ARE A CONSUMER CUSTOMER, YOU CAN OPT OUT OF THIS ARBITRATION REQUIREMENT BY CONTACTING BANK AT 1110 GORGAS AVE, SUITE A4-700 SAN FRANCISCO, CA 94129 WITHIN THIRTY (30) DAYS AFTER YOU FIRST ACCEPT THE TERMS OF THIS AGREEMENT, STATING THAT YOU (INCLUDE YOUR FIRST AND LAST NAME) DECLINE THIS ARBITRATION REQUIREMENT. YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS AND MASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER.

The arbitration will be administered by JAMS under its Comprehensive Arbitration Rules and Procedures ("Comprehensive Rules"), unless otherwise required by law. The Comprehensive Rules are available online at http://www.jamsadr.com/rules-comprehensive-arbitration/. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination should be made by JAMS or by the arbitrator. The arbitrator's decision will follow this Agreement and will be final and binding. The arbitrator will have authority to award temporary, interim, or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator.

To reduce the time and expense of the arbitration, the arbitrator will not provide a statement of reasons for his or her award unless requested to do so by all parties. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. An arbitration award and any judgment confirming it apply only to that specific case; it cannot be used in any other case except to enforce the award itself. Notwithstanding any of the foregoing, nothing in this Agreement will preclude you from bringing issues to the attention of federal, state, or local agencies and, if the law allows, they can seek relief against Bank for you.

This Dispute Resolution Provision will survive termination of your Account, this Agreement and any bankruptcy by you or us. If any portion of this Dispute Resolution Provision is deemed invalid or unenforceable under any principle or provision of law or equity it will not invalidate the remaining portions of this Dispute Resolution Provision, this Agreement or any prior agreement you may have had with us, each of which will be enforceable regardless of such invalidity.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT ACTIVATE OR USE THE ACCOUNT.

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II. Additional Terms Applicable to Commercial Customers

The following additional terms apply if the Account Owner is a legal entity (a "Commercial Customer"). Section numbering corresponds to the Sections and Sub-sections in Part I of this Agreement.

2(a). Account eligibility

The Account is available to legal entities that are U.S. incorporated businesses, including corporations, LLCs, partnerships, and sole proprietorships, located in the fifty United States and the District of Columbia. No foreign businesses are eligible.

By requesting the Account, you acknowledge and agree that your use of the Account is for a commercial or business purpose and you will not use the Account for any consumer (personal, family, or household) purpose. If you are an individual executing this Agreement on behalf of, or for the benefit of, a corporation, LLC, partnership, sole proprietorship, or any other legal entity with which you are associated, you represent and warrant that you have the legal authority to bind that organization to this Agreement.

2(b). Electronic documents

To the fullest extent permitted by law, the Communications from Bank to you regarding your Account(s) and related services with Bank may be provided to you electronically, and you consent and agree to receive Communications in an electronic form. You may print a paper copy of or download any electronic Communication and retain it for your records. All Communications in electronic format will be considered to be "in writing," and to have been received on the day of posting, whether or not you have received or retrieved the Communication. Bank reserves the right to provide Communications in paper format at its discretion. Your consent to receive Communications electronically is valid until you revoke your consent by notifying Bank of your revoked consent by contacting Natural through the email address above. If you revoke your consent to receive Communications electronically, Bank reserves the right to terminate your right to use the Account and related services, and you accept sole liability resulting from such termination of your Account and related services, to the extent permitted by law. Except as expressly provided otherwise in this Agreement, Bank may mail, send electronically, or otherwise make Communications available to you. If Communications are mailed to you, they will be delivered to you at the postal address on file. If Communications are sent to you electronically, they will be delivered to you at the email address on file or otherwise made available to you, including through the Natural Technology. Bank retains printable versions of notices to the extent required by Applicable Law. Regardless of the method in which a Communication is delivered or made available to you, you agree to review Communications promptly.

3(b). Ownership

Your Account shall be owned and titled in the name of one (1) legal entity who shall solely retain the right to direct the deposit or transfer of funds. The individual executing this Agreement must provide us, through the Natural Technology, with evidence to our satisfaction of the authority of the individuals who act on behalf of the Account Owner. We may act on the instructions of the person(s) authorized in the resolutions, banking agreement, or certificate of authority to act on behalf of the Account Owner. You agree to notify us in writing of any changes in the person(s) authorized or the form of ownership. If we receive conflicting instructions or a dispute arises as to authorization, we may place a hold on the Account until such conflict or dispute is resolved to our satisfaction. You are liable to us for all debit balances in the Account, including overdrafts and Account charges, and promise to pay, upon demand, any and all debit balances, all fees and charges, and Bank's reasonable attorneys' fees and all costs and expenses of collection.

5(c). ACH transfers

We may accept on your behalf payments to your Account, which have been transmitted through ACH and which are not subject to the Electronic Fund Transfer Act. Your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of California, which are applicable to ACH transactions involving your Account. You authorize any ODFI to initiate, pursuant to the Rules, ACH debit entries to your Account, including for electronic presentment or re-presentment of checks written or authorized by you.

If your Account receives funds via ACH, then any credit to the Account for such funds is provisional until Bank receives final settlement through a Federal Reserve Bank or has otherwise received payment as provided under the Uniform Commercial Code, Section 4A-403(a), as adopted by the State of California. If Bank does not receive final settlement or payment of an ACH credit, you are hereby notified and agree that Bank is entitled to recover from the Account or you, without prior notice or demand, the amount of the provisional credit, in whole or in part, and any applicable returned fee (even if it results in an overdraft on your Account) and the party originating the payment will not be considered to have paid you the amount of the credit.

7(b). Funds availability

Bank and Natural may, at their election, choose to make deposits made via ACH debit available on an expedited basis. Such funds are made available on a conditional basis pending settlement of the incoming ACH debit. If funds are made available to you and the incoming ACH debit does not settle, such funds will no longer be available in your Account and you will be responsible for repaying any resulting negative balance in your Account.

8(b). Accuracy of information

When you originate any funds transfer request through any method made available to you by Bank (including, if applicable, wire or ACH transfers), you are responsible for providing accurate payment information. Bank, Natural, and any other financial institution involved in the transaction may rely on all identifying numbers (e.g., account and routing numbers) you provide to make payment. Bank may rely on the number even if it identifies a financial institution, person or account other than the one named. Bank will process the funds transfer request based solely on the information you provide to us and expressly disclaims any obligation to review any such request for errors or inconsistent or duplicative information. It is your obligation to verify the information you provide to us including, but not limited to, the identity and relationship of the receiving party, account number, and routing number. Bank is not responsible for any loss or damage you incur from your request for a funds transfer.

8(g). Your liability for unauthorized transfers

You agree to be bound by all Eligible Instructions accepted by Bank in good faith and will be liable for all losses, expenses, and liability, resulting from, related to, or caused by Bank's processing or execution of an Eligible Instruction, regardless of whether such losses, expenses, or liability occur due to unauthorized, incorrect, incomplete, or fraudulent transactions. You acknowledge and agree that because this is a commercial-purpose account, the Electronic Funds Transfer Act and any similar protections available under consumer financial protection laws do not apply to your Account. Contact Natural immediately if you believe your Login Credentials have been compromised or if you believe someone has transferred or may transfer money from your Account without your permission. You are responsible for monitoring and reconciling all activity in your Account. You must report any suspected unauthorized transaction to us immediately.

8(h). Wire transfers

If enabled by Bank for your Account, you may be able to send or receive a wire transfer request. You acknowledge that Bank may, in its sole discretion, clear and settle any payment order arising from a wire transfer request through one or more intermediary banks, including through the use of correspondent accounts held at such banks. You agree to reimburse Bank for all costs, fees, and other expenses incurred by Bank in transmitting any payment order through any such intermediaries. You further agree to indemnify Bank and hold it harmless for all of Bank's liabilities, including any claims, and other obligations that it may have to such intermediaries.

Please be advised that wire transfer requests may not be recalled or amended once they have been sent to Bank. Wire transfer requests will only be accepted and processed if you have sufficient and available funds in your Account at the time the request is received and processed. Bank reserves the right to reject or cancel any wire transfer in our sole discretion and will not be held liable for any losses or damages that may arise due to our right to cancel or reject the wire transfer.

8(i). ACH transactions

If enabled by Bank for your Account, you may be able to initiate funds transfers through ACH transactions. If so, Bank will act as the Originating Depository Financial Institution ("ODFI") and agrees to process ACH transactions you originate as Originator.

i. Customer obligations

In using the ACH Services, you adopt and make to Bank all representations and warranties of an Originator under the Rules, including that you will not initiate Entries in violation of Applicable Law. You acknowledge that you have access to a copy of the Rules, have reviewed your obligations thereunder, and have subscribed to receive revisions to the Rules directly from NACHA.

You are responsible for all tariffs, duties, or taxes that may be imposed by a Regulatory Authority in connection with your use of the ACH Services.

You agree to provide Bank such information as Bank may reasonably request in connection with the underwriting process. In addition, you agree to provide such other information as Bank may reasonably request in connection with your use of the ACH Services.

You acknowledge and agree you are not authorized to act as a Third-Party Sender pursuant to the Agreement and not to submit for processing any Entries for which you are not the Originator.

Entries you initiate shall be in accordance with the procedures and specifications set forth by Bank in the Agreement, and the Natural Technology.

ii. Processing

You authorize Bank to and agree that Bank shall process Entries, including debit and credit Entries, received in accordance with the Agreement, transmit such Entries as an ODFI to the Federal Reserve Bank as the ACH Operator, and settle such Entries as provided in the Rules.

Bank shall transmit such Entries to the ACH Operator prior to the effective entry date shown in the Entries, provided that: (i) such Entries are received by Bank on a Business Day before Bank's daily Cut-Off Time; (ii) the effective entry date is at least two (2) days after such Business Day; and (iii) the ACH Operator is open for business on the effective entry date. Any Entry or File initiated after the Cut-Off Times will be deemed made on the next Business Day. Entries shall be deemed received by Bank at such times as the applicable requirements have been met with respect to such Entries. If you fail to comply with any Bank procedure or requirement set forth by Bank in the Agreement or communicated to you through the Natural Technology, Bank may, but shall not be required to, process such Entries.

iii. Permissible Entry types

You may elect to originate a Same Day Entry, which may trigger fees for same day processing.

An Entry received for credit to an account maintained with Bank (an "On-Us Entry") shall not be transmitted to the ACH Operator but shall be credited or debited to the Receiver's account in the amount of such Entry on the effective entry date contained in such Entry. An On-Us Entry may not be processed through the ACH Network, but you are deemed to make all representations and warranties as if the Entry were not an On-Us Entry.

You may only initiate Entries for Standard Entry Class ("SEC") Codes that have been approved by Bank in writing. Approved SEC Codes include CCD and PPD but may be restricted or amended by Bank in its sole discretion.

You will comply with account validation requirements under the Rules for Debit WEB Entries.

You are not permitted to originate International ACH Transactions ("IAT") and Bank shall have no obligation to act on IAT Entries or Entries Bank determines should have been coded as IAT Entries.

iv. Returned Entries

Natural shall notify you of a Returned Entry within one (1) Business Day of the receipt of such Returned Entry from the ACH Operator. Bank shall have no obligation to retransmit a Returned Entry.

Natural shall notify you of any Notification of Changes ("NOC"), including refused NOCs or corrected NOCs received by Bank no later than two (2) Business Days after receipt. You must respond to NOCs by investigating incorrect data and making corrections within six (6) Business Days of receipt of the NOC information or prior to initiating another Entry to the Receiver's account, whichever is later. You shall indemnify and hold harmless Bank against any Losses incurred by Bank, Natural, or any other Person arising out of your failure to make such change as required by the Agreement or Applicable Law. This indemnification obligation will survive any termination of the ACH Services.

If an Entry is returned as unauthorized or authorization is revoked, you will contact the necessary parties and resolve any dispute. During this process, you may ask Bank via Natural to request from the RDFI a copy of the "Written Statement of Unauthorized Debit." Bank will attempt to obtain the form and deliver it to you. You agree not to re-originate any transaction returned as unauthorized or as authorization revoked unless and until the Receiver reauthorizes the Entry or Entry stream. In the event the rate of unauthorized transactions exceeds the permissible limit based on the calculations noted in the Rules, you will share the data requested by Bank based on the Rules and will immediately begin the process of bringing the rate below that threshold.

v. Rejection, correction of Entries

Bank may reject any Entry for any reason whatsoever. Natural shall notify you of such rejection no later than the Business Day such Entry would otherwise have been transmitted by Bank to the ACH Operator or, in the case of an On-Us Entry, its effective entry date. Bank shall have no responsibility or liability to you in connection with the rejection of any Entry or for failing to provide notice of a rejection. Bank is not obligated to pay you interest for the period before you receive the notice of rejection. If an Entry is rejected for any reason, it is your responsibility to correct the Entry that you intend to resubmit. If the amount of any Entry or Entries received by Bank does not agree with any corresponding transmittal information provided by you pursuant to this Agreement, Bank may in its sole discretion reject or correct the Entry or Entries. If Bank determines in its sole discretion to correct an Entry, you shall be deemed for purposes of this Agreement to have delivered the Entry to Bank as it has been corrected by Bank pursuant to this section.

You shall have no right to cancel, reverse, or amend any Entry after its receipt by us. However, if a request for cancellation, reversal, or amendment is received by Bank prior to transmitting the Entry to the ACH Operator, Bank may use reasonable efforts to act on such a request but shall have no liability if such request is not or cannot be effected. Your request must include the reason for the cancellation, reversal, or amendment. You agree to indemnify Bank in connection with any such request from you. Obligations under this section will survive the termination of this Service.

vi. Authorization

Prior to submitting an Entry, you will obtain written authorization as required by the Rules and Applicable Law from the Receiver. The authorization must have clear and understandable terms and inform any consumer Receiver of the method and terms for revoking such authorization. The authorization must identify the Receiver's account and the RDFI where such account is maintained. With respect to any Entries involving consumer accounts, you shall comply with any applicable requirements of the federal Electronic Funds Transfer Act and its implementing rules under Regulation E.

vii. Credit Entries

Credit Entries you initiate may be transmitted through the ACH system. Your rights and obligations as the Originator of such Entries are governed by and construed in accordance with the laws of the State of California. Any credit given by the RDFI to the Receiver of your credit Entry is provisional until the RDFI has received final settlement through a Federal Reserve Bank or otherwise has received payment as provided for in Section 4A-403(a) of Article 4A of the UCC. If the RDFI does not receive payment for the Entry, the RDFI is entitled to a refund from the Receiver in the amount of the credit to the Receiver's account and you will not be considered to have paid the amount of the credit Entry to the Receiver.

viii. Provisional credit

Bank shall not be required to pay you the amount of any Debit Entry or credit reversal before Bank receives final settlement for such Entry. Any payment by Bank as credit to your Account prior to final settlement shall be provisional and Bank shall have the right, without prior notice or demand by Bank, to immediate repayment by you of the amount of such credit upon Bank's receipt of notice that final settlement has not occurred. In addition, Bank shall have the right, without notice or demand, to immediate repayment by you of the amount of any Debit Entry returned or rejected and any adjustment Entry for which Bank is required to settle under the Rules and for which you have previously received credit, at the time Bank receives such rejection, return, or adjustment Entry, as applicable, or notice thereof.

ix. Bank's right to debit

With respect to a Debit Entry that is returned, reversed, or adjusted for any reason by the RDFI, you specifically authorize Bank to debit your Account for such Debit Entry, plus any related costs incurred by Bank, or take such other action as would be appropriate under the circumstances. Bank will notify you accordingly. If your Account does not have adequate funds to cover return, reversal, or adjustment of such Debit Entry, then Bank may either (i) overdraw your Account or (ii) debit any other Account you hold at Bank to cover the return, reversal, or adjustment of such Entry.

x. Third-party service providers

You agree to and will cause your Third-Party Service Providers (if applicable), to develop, implement, and update policies, procedures, and systems as necessary to ensure compliance with the ACH Security Framework Rule and to protect the integrity and confidentiality of Protected Information. You will not, and will ensure any Third-Party Service Providers do not, disclose Protected Information except as necessary and permitted by the Rules to facilitate the ACH Services. You agree to keep your Login Credentials safe and secure and not disclose them to anyone other than a Person authorized and permitted by you to send Entries to Bank on your behalf. You will immediately give notice to Bank via Natural upon determining that any breach of confidentiality has occurred, including because any unauthorized Person has gained access to Protected Information.

xi. Risk exposure limits and prefunding

Your use of the ACH Services may be subject to underwriting criteria imposed by Bank from time to time in its sole discretion. Bank may establish limits on your use of the ACH Services for any reason, including based on your financial condition or historical or anticipated transaction levels. These limits may include limits on the size, frequency, or number of transactions you may make in a given period. Any limits will be disclosed to you through the Natural Technology. You acknowledge that any limit imposed is solely for the protection of Bank and its assets. Bank may suspend or reject processing of any Entry or File that exceeds any applicable limits Bank has imposed. You may not reinitiate Entries except as permitted by the Rules. You understand that requests for Entries exceeding any limits are honored solely at the discretion of Bank. Requests not honored may be communicated by Bank to you. Regardless of any limits imposed by Bank, you are required to pre-fund your Account prior to the Settlement Date of any Credit Entries you initiate to ensure adequate funds are available. In addition, Bank may require, in its sole discretion, that you establish reserves with the Bank prior to any continued use of the ACH Services.

xii. Record retention

You shall retain data on file adequate to permit remaking of Entries for five (5) days following the date of their transmittal by Bank and shall provide such data to Bank upon request. You will maintain records of: (1) information provided to Bank in connection with an Entry for a period of six (6) years after the date of submission; and (2) each authorization in its original form while it is in effect and an original form or copy for two (2) years after termination or revocation of the authorization, or such longer period as may be required by the Rules. Upon request, you will provide such records to Bank via Natural promptly, but no later than five (5) days following the date of the request.

All Entries, Security Procedures, and related records used by Bank for transactions contemplated by this Agreement shall be and remain Bank's property. Bank may, at its sole discretion, make available such information upon your request. You shall pay any expenses incurred by Bank in making such information available to you.

xiii. Representations, warranties and covenants

You represent and warrant to Bank that:

You have access to a copy of the Rules, have reviewed your obligations thereunder, and have subscribed to receive revisions to the Rules directly from NACHA;

In using the ACH Services, regardless of whether an Entry is sent through the ACH network, you will comply and will cause your directors, officers, employees, and agents to comply with Applicable Law and the Agreement;

You adopt and make to Bank all representations and warranties of an Originator under the Rules;

Each Person identified as the Receiver on an Entry submitted to Bank has authorized the Entry pursuant to the Rules, such authorization has not been revoked, and you shall furnish the original or a copy of the authorization to Bank or any other affected Participating DFI immediately upon request;

Each Entry contains all information required by the Rules;

Each credit Entry is timely and each debit Entry satisfies an obligation, corrects an error, or reclaims an amount received after death or legal incapacity;

Banking information for the Entry is transmitted securely;

You have used commercially reasonable procedures to verify that all information contained in an Entry, including routing numbers, is accurate and valid; and

Entries transmitted to Bank are limited to those types of Entries set forth by Bank in the Agreement.

xiv. Audit and risk assessments

If required by the Rules, you agree to conduct an annual audit of your compliance with the Rules and shall retain documentation supporting such audits for six (6) years from the date of the audit. You shall provide such documentation upon request by Bank or NACHA within five (5) Business Days of such request. In addition, you agree that Bank or a third party appointed by Bank shall have the right to audit your compliance with the Rules upon not less than ten (10) Business Days prior notice.

8(j). Real Time Transfers

If enabled by Bank for your Account, you may be able to initiate funds transfers ("Real Time Transfers" or "RTTs") through the real time transfer networks ("RTT Networks") to deposit accounts at participating financial institutions in real-time, twenty-four hours a day, seven days a week, fifty-two weeks a year (the "RTT Service"). The RTT Service enables you to initiate credit transfers through the RTT Networks from your Account to accounts at RTT Network beneficiaries' banks and to send and receive RTT-related messages to and from such beneficiaries as may be permitted by Bank from time to time.

Please be advised that RTT requests may not be recalled or amended once they have been sent to Bank. RTT requests will only be accepted and processed if you have sufficient and available funds in your Account at the time the request is received and processed. Bank reserves the right to reject or cancel any RTT request in our sole discretion and will not be held liable for any losses or damages that may arise due to our right to cancel or reject the transfer.

8(k). Exchange rates

If enabled by Bank for your Account, you may be able to request wire transfers to send funds to a beneficiary's bank in a currency other than USD, subject to applicable fees and exchange rates. In addition to any applicable fees, we charge a fee when we convert one currency to another currency for you (the "Exchange Rate"). The Exchange Rate is set at our sole discretion and disclosed to you in the Natural Technology in connection with your wire transfer request. The Exchange Rate includes, as applicable, the costs, fees, and other expenses incurred by Bank in transmitting any payment order through any intermediaries as well as a markup designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable Exchange Rate does not include, and is separate from, any applicable fees described in Exhibit 1. The Exchange Rate we provide to you may be different from exchange rates you see elsewhere, and you may receive different rates for transactions that are the same or similar.

11(g). Right to set off

If your Account balance becomes and remains negative or you are determined to owe Bank any amounts for any reason, Bank can use the funds in your Account or any other account that you own at the Bank to repay any amount owed without further notice to or demand on you. This means Bank has the right to set off any liability, direct or contingent, past, present or future that you owe against any account you have with Bank. Further, you grant Bank a lien on and security interest in the funds on deposit in each of your Account(s) as security for the entirety of your liabilities and obligations to Bank, now or in the future.

11(h). Tax reporting and backup withholdings

You acknowledge that this Account cannot be opened if you are currently subject to backup tax withholding.

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III. Additional Terms Applicable to Consumer Customers

The following additional terms apply if the Account Owner is an individual opening the Account primarily for personal, family, or household purposes (a "Consumer Customer"). Section numbering corresponds to the Sections and Sub-sections in Part I of this Agreement.

2(a). Account eligibility

Account is available to individuals who are at least 18 years of age, have a valid government-issued identification, provide a valid residence address, and can form a legally binding contract in the United States. We may impose other restrictions as well. The Account is only available to individuals for personal, family, or household purposes and may not be opened by a business in any form or used for business purposes. The Account may not be opened by a person acting in a fiduciary capacity unless otherwise approved by us in writing.

2(b). Electronic documents

We may provide you electronic communications and transact business with you electronically, as further set forth in the Electronic Communications and Signatures Agreement located at https://www.natural.com/disclosures#electronic-communications-and-signatures-agreement-e-sign-act. Your authorization and consent to agreements with us, or your delivery of instructions, may be made by use of certain numbers, codes, marks, signs, personal identification numbers ("PINs"), public or private keys, or other means acceptable to you and us, to establish your identity and acceptance of the electronic communications. All electronic communications and agreements that meet these requirements will be deemed to be valid and authentic, and you intend and agree that those electronic communications and agreements will be given the same legal effect as written paper communications signed by you. You agree that electronic copies of communications and agreements are valid, and you will not contest the validity of the originals or copies, absent proof of altered data or tampering.

2(c). Telephone, SMS and electronic message communication

To change your communication preferences or to revoke your consent for calls or text messages made with an automatic telephone dialing system or that deliver prerecorded and/or artificial voice messages, to the extent you have a right under Applicable Law, you must contact Natural by email or phone using the contact information set forth above. To stop text messages, you may also reply "STOP" to any text message we send to you. If we send marketing emails to you, you must follow the opt-out instructions provided at the bottom of the email to opt out of such emails.

3(b). Ownership

Your Account shall be owned by you and titled in your name. The Account is solely for your use and you may not permit anyone else to use your Account, unless approved by us or as set forth in this Agreement. Without limiting the foregoing, if you permit another person or AI Agent to have access to your Account, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons, even those you did not intend, subject to applicable law.

3(e). Power of attorney and death or incompetence

You may give another person (an "Attorney in Fact") authority to act on your behalf by providing us power of attorney documentation that meets our requirements. We may refuse to honor any power of attorney or refuse to permit your Attorney in Fact to access your Account as permitted by law. An Attorney in Fact may not open an Account on your behalf. Once we accept your power of attorney, the Attorney in Fact may access your Account unless we have had a reasonable opportunity to act on written notice that you have passed away or the power of attorney has been revoked. We have no duty to monitor or ensure that the acts of your Attorney in Fact are for your use or benefit or are otherwise permissible under applicable law. We are not liable if your Attorney in Fact exceeds the powers granted or does not comply with your instructions. In order to complete a power of attorney request, we may be required to contact you to confirm your desire to designate an Attorney in Fact. If we are unable to contact you to confirm your power of attorney designation, we may not accept your power of attorney or we may close your Account.

Upon receiving notification of your death or incapacitation, we may place a hold on your Account and refuse all transactions until we know and have verified the identity of your successor. Until we receive notice and any required proof of death or incapacitation, we may continue to accept deposits and process transactions to your Account. Your estate will be responsible for repaying us for any tax liability resulting from payment of your Account balance to your estate. You agree to hold us harmless for any actions we take based on our belief that you have died or become incapacitated, or any notices of death or incapacitation that we receive. If certain payments originating from government entities are deposited into your Account after your death, we may be required to return those payments to the originator upon notice. If you owe us a debt at the time of your death, we are authorized to exercise our right of setoff or security interest rights against the funds credited to your Account after your death.

5(c). ACH transfers

You may make deposits through ACH Transfers into the Account from a Linked Account that is ACH enabled. We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. We may reverse any ACH Transfer to or from your Account without prior notice to you at any time as permitted by NACHA Operating Rules. We may reverse any provisional credit to your Account for which final payment is not received. ACH Transfer instructions must be received before 11:00 p.m. on a Business Day, otherwise the instruction shall be considered received on the next Business Day. We may process ACH Transfer instructions in the order in which we determine, in our discretion. We are not required to accept or execute any ACH Transfer instruction. You authorize Bank to originate ACH Transfers on your behalf to the Linked Account and that you will be bound by the rules of NACHA. We may audit your compliance with the requirements hereunder.

6(e). Real Time Transfers

You can use the Real Time Payments Service ("RTP") to receive a Request for Payment ("RFP") from other individuals or businesses with a bank account at a financial institution participating in RTP ("Payee") and to pay such RFPs from an eligible checking account to that Payee using RTP.

Transfers using RTP may be made only in U.S. Dollars and only between accounts at banks located in the United States that are participating in RTP. When you enroll to use RTP to receive RFPs or send payments, you agree to the terms and conditions of this Agreement.

In order to avoid potential duplicate payments to the same biller, you agree to turn off any e-bills or other duplicate electronic billings or recurring payment arrangements you have with the same Payee from whom you elect to receive an RFP. Failure to do so may result in overpayments.

We reserve the right to suspend or terminate your use of RTP if we believe, in our sole discretion, that you have violated any of these terms or conditions or are otherwise engaging in a fraudulent or otherwise illegal manner.

Upon your receipt of a RFP, you may respond by making a payment in an amount you designate to the Payee submitting that RFP or you can elect to disregard the RFP. You may make a one-time immediate payment or a future-scheduled payment in response to an RFP. Recurring payments are not available at this time. You may make payments 24 hours a day, seven (7) days a week, including weekends and holidays.

By making a request to send a payment, you authorize us to debit your account for the amount of the payment and to transfer that amount to the Payee you designate. You also understand that your account will be debited immediately for a one-time immediate payment, or on the date you have scheduled for a future-scheduled payment, in the amount you have designated and a transfer will be made in real time to that Payee's financial institution. However, we do not control when the financial institution will credit the intended Payee's account or when your account with the Payee will reflect the payment. If we fail to process a payment in accordance with your properly completed instructions and the RTP requirements, we will reimburse you for any late payment fees charged by the Payee, in addition to any other remedies that may be available to you under this Agreement.

Since all payments are irrevocable and cannot be reversed, you should be careful to verify that the RFP you receive is from a Payee you know and trust and that the amount you enter is correct before sending a payment. We make no representations or warranties that the information contained in an RFP is accurate and complete. It is your responsibility to verify the accuracy of that information prior to sending a payment. You will still be responsible for any payment you authorize us to make even if you enter the wrong amount. We will not be liable for any typographical, keystroke or other errors made by you.

We do not offer a protection program for authorized payments made through RTP. We will not be liable if you do not receive the goods or services that you paid for, or if the goods or services are damaged or otherwise not what you expected. You are responsible for resolving any such disputes you may have with the Payee to whom you sent a payment through RTP.

Immediate transfers made using RTP are irrevocable and cannot be reversed or stopped once made.

We may limit your use of the RTP services, including limiting the dollar and frequency of RTP payments. Please see Exhibit 2 for applicable limits.

RTP transfers are subject to the Security Procedures, except, to the extent RTP transfers are subject to Regulation E, the terms of the Electronic Fund Transfer Disclosure applies.

6(j). Wires

The following provisions apply to payment orders governed by Division 11 of the California Commercial Code. The provisions do not apply to the transactions described in the Electronic Fund Transfer Disclosure (i.e., fund transfers to or from consumer accounts that are subject to the Electronic Fund Transfer Act or the Consumer Financial Protection Bureau's Regulation E) or to payments by check, draft or similar instrument, but do apply to all other fund transfers including, but are not limited to, Fedwire transfers; transfers of funds for the primary purpose of purchasing or selling securities or commodities regulated by the Securities and Exchange Commission ("SEC") or the Commodity Futures Trading Commission ("CFTC"), purchased or sold by a broker-dealer regulated by the SEC or through a futures commission merchant regulated by the CFTC, or held in book-entry form by a Federal Reserve Bank or federal agency-related purchase or sale of a security or commodity; automatic intra-bank transfers under an agreement with us; and telephone-initiated transfers that are not the function of a written plan contemplating periodic or recurring transfers.

i. Rules of funds transfer systems

Funds transfers to or from your Account will be governed by the rules of the funds transfer system(s) through which the transfers are made ("system rules"). Funds transfers through Fedwire will be governed by, and subject to, Regulation J, Subpart B, and Uniform Commercial Code Article 4A incorporated by reference thereunder. Funds transfers through CHIPS are governed by, and subject to, CHIPS Rules and Administrative Procedures and by the laws of the State of California, including Article 4A of the California Uniform Commercial Code, regardless of whether the payment message is part of a funds transfer that is a "Remittance Transfer" governed by section 919 of the Electronic Fund Transfer Act (EFTA), 15 U.S.C. section 1693o-1, except that in the case of an inconsistency between California law and EFTA, EFTA shall govern to the extent it applies to the transaction.

ii. Right to reject

At our discretion, we may process your payment order to transfer funds to another account with us or to an account maintained with another financial institution. We reserve the right to reject any payment order without cause or prior notice, and may notify you of the rejection orally, electronically or in writing. You agree not to violate the laws of the United States or any other laws, including without limitation, the economic sanctions administered by the U.S. Treasury's Office of Foreign Assets Control. Outgoing and incoming wires involving transactions or business opportunities facilitated by the mail, the telephone or the internet, which involve illegal gambling, the opportunity to purchase or participate in a lottery, the purchase or sale of medical marijuana (regardless of whether deemed legal by the State of California or any other state or local government) or the clearing of checks payable to or intended for payment to third parties for a profit are strictly prohibited.

iii. Timing and authorization

For each fund transfer that you want to send through us, you must complete, sign or authorize and give us a separate fund transfer request in a form that is acceptable to us. We will exercise reasonable effort, but make no guarantees, to process your funds transfer on the same Business Day as you requested the transfer. The request must be received by us before the applicable cutoff time, which is 3:45 p.m. PT for wire fund transfers, in order to make a "same day transfer". If we receive your request after such cutoff time, we will treat it as if it were received on our next Business Day. We may process any payment order we receive after our processing cutoff hour on our next funds transfer Business Day.

iv. Payment order accuracy

You must accurately describe the beneficiary of your payment order and the beneficiary's financial institution. If you describe any beneficiary or institution inconsistently by name and account number, we and other institutions may process the order solely on the basis of the account or identifying number, even if the order identifies a person or entity different from the named beneficiary or institution. We may also process incoming fund transfers based on the account or identifying number, even if the number is inconsistent with the name reflected in the payment order. If you give us a payment order that is erroneous in any way, you agree to pay the amount of the order whether or not the error could have been detected by any security procedure we employ.

v. Cancellation/amendment of payment orders

You do not have a right to cancel or amend any payment order after we receive it. Although we may attempt to act on any amendment or cancellation request you make (e.g., if it is received in a time and manner which permits us to do so), we assume no responsibility for failing or refusing to do so, even if we could have effected the change or cancellation. You agree to indemnify, defend and hold us harmless from any loss, damage, claim, action, and liability that results, and any charges and costs we incur, in connection with any request by you to amend or cancel a payment order.

vi. Unauthorized payment orders

We may process any payment order we believe is transmitted or authorized by you if we act in compliance with a security procedure (herein, "security procedure(s)") agreed upon by you and us. Such payment orders will be deemed effective as if made by you, and you will be obligated to pay us in the amount of such orders, even though they are not transmitted or authorized by you. Unless we agree on another security procedure, you agree that we may, in our discretion, confirm the authenticity and content of payment orders (among other ways) by placing a call to any person identified in our system for your account (though we are not required to do so). If we cannot reach you, or if the payment order is not confirmed or approved in the manner we require, we may refuse to execute the payment order. If we take any action not provided in the security procedures in connection with any payment order, such additional action shall not be deemed to become a mandatory part of the continuing security procedures. You understand and agree that we will use the security procedures to verify the authenticity of payment orders and that the security procedures are not designed to, and are not used for, the purpose of detecting errors in transmission or content of payment orders, including discrepancies between account names and numbers. Before sending a payment order request to us, you agree to review the security procedures and determine whether they will provide a commercially reasonable method for verifying whether a payment order is yours. As part of the review, you will consider the size, type, and frequency of payment orders you normally make or anticipate making, along with such other factors as you may deem relevant or appropriate. If the size, type or frequency of payment orders made by you change such that the security procedures in use by you no longer provide a commercially reasonable method of providing security against unauthorized payment orders, you agree to immediately notify us. If we act on a payment order in compliance with the security procedures, then you will be obligated on the payment order, and it will be treated as your payment order, whether or not authorized by you. Regardless of whether or not we complied with the security procedures, any payment order received by us will be treated as yours and will bind you if the payment order is delivered to us directly or indirectly by any authorized representative. You will also be responsible for the payment order if you would otherwise be legally bound by the payment order, regardless of whether the payment order was erroneous in any respect or that any loss would have been prevented if we had complied with the security procedures.

vii. Notice of errors

You agree to review all statements and notices promptly to confirm the accuracy and authorization of each payment order. You will notify us immediately if there is any discrepancy between your payment order and any confirmation or statement of account, or if you discover any other problem with respect to a transfer. You must send a written notice to us of the discrepancy or other problem, including a statement of the relevant facts, within a reasonable time (not to exceed 14 days from the date you first discover the problem or receive a statement or notice reflecting the problem, whichever occurs first).

viii. Provisional credit

Credit given by us to you with respect to a payment order is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to your account in connection with the payment order, and the party (the originator of the entry) making payment to you will not be deemed to have paid you the amount of the payment order.

ix. Bank's liability to you

OUR ONLY LIABILITY, IF ANY, AND YOUR EXCLUSIVE REMEDY, IF ANY, IN CONNECTION WITH AN INCOMPLETE FUNDS TRANSFER, OR OTHERWISE BECAUSE OF A FUNDS TRANSFER (INCLUDING A FAILURE TO MAKE SUCH TRANSFER), WILL BE FOR US TO COMPENSATE YOU IN AN AMOUNT COMMENSURATE WITH THE INTEREST WHICH YOU WOULD HAVE EARNED HAD THE TRANSFER TAKEN PLACE.

6(k). Remittances

Transfers sent outside of the United States that are initiated by consumers primarily for personal, family or household purposes are governed by federal law that may provide certain rights and obligations that differ from the rights and obligations that apply to other types of payment orders. Remittance transfers you send through us are subject to certain supplemental terms you enter into when you sign up for the service or send the remittance transfer.

8(b). Accuracy of information

When you originate any funds transfer request through any method made available to you by Bank (including, if applicable, ACH transfers), you are responsible for providing accurate payment information. It is your obligation to verify the information you provide to us including, but not limited to, the identity and relationship of the receiving party, account number, and routing number. Bank is not responsible for any loss or damage you incur from your request for a funds transfer. We and any other financial institution involved in the transaction will rely upon the information you provide, as well as information provided by the external bank sending transfers to you, when we process transfers on your behalf. We are not responsible for the accuracy of this information and are not required to investigate such information prior to initiating a transfer.

8(g). Your liability for unauthorized transfers

Your liability for unauthorized electronic fund transfers from your Account is governed by Regulation E and the Electronic Fund Transfer Disclosure attached to this Agreement. Please review the Electronic Funds Transfer Disclosure carefully for a description of your rights and responsibilities in connection with unauthorized transfers.

11(c). No waiver

Neither party shall, by mere lapse of time, be deemed to have waived any breach by the other party of any terms or provisions of this Agreement. The waiver by either party of any breach shall not affect its right to enforce any of its rights with respect to other customers or to enforce any of its rights with respect to later transactions and is not sufficient to modify the terms and conditions of this Agreement.

11(g). Right to set off

You hereby grant and assign to us a security interest in your Account with us, and all property and funds in your Account, to secure any amount you owe us under this Agreement or our service providers, now or in the future, except as provided under applicable law. Subject to applicable law, this includes any debts that now exist and debts that you may incur later, your obligations under a guaranty, and also includes all fees you owe us or our service provider. You agree that we control your Account and may perfect our security interest granted herein. To do so, you agree that we shall comply with any and all orders, notices, requests and instructions originated by us directing disposition of the funds in your Account without any further consent from you, even if such instructions are contrary to your instructions or demands or result in our dishonoring transactions which are presented or processed for payment. We may exercise our right of setoff or security interest even if the withdrawal results in an early withdrawal penalty or the dishonor of subsequent checks or transactions. The security interest granted herein is in addition to our right to setoff. You agree to hold us harmless from any claim arising as the result of our security interest in, or enforcement of our security interest against, your Account or our exercising of any right to setoff. If your Account balance becomes and remains negative or you are determined to owe Bank any amounts for any reason, Bank can use the funds in your Account or any other account that you own at the Bank to repay any amount owed without further notice to or demand on you. This means Bank has the right to set off any liability, direct or contingent, past, present or future that you owe against any account you have with Bank. You agree that we are not responsible for dishonoring transactions presented against your Account when the exercise of our right of setoff or security interest results in insufficient funds in your Account to cover the transactions. Our right of setoff or security interest may be exercised before or after the death of an Account holder and can follow the proceeds to any other account held by us. You cannot give a security interest or pledge your Account to someone other than us without first getting our express written consent, which we may withhold for any or no reason.

11(h). Tax reporting and backup withholdings

You acknowledge that this Account cannot be opened if you are currently subject to backup tax withholding. Federal law requires us to report the interest you have earned. If applicable, interest earned will be reported under your Social Security Number or Individual Taxpayer Identification Number. You must certify your Social Security Number or Individual Taxpayer Identification Number during the application process.

Unless you are exempt, we are required to withhold a portion of your interest income and certain other payments (this is referred to as backup withholding) if: (i) you fail to supply us, under penalties of perjury, with your correct taxpayer identification number (TIN); (ii) you fail to provide us with the required certified information; (iii) the IRS instructs us to withhold; or (iv) the IRS notifies you that you are subject to backup withholding. We may report interest and other payments to you to the Internal Revenue Service (IRS), along with your TIN.

A non-resident alien or foreign entity not subject to information reporting must certify its exempt status by completing an appropriate IRS certification form (e.g., W-8 BEN). Non-resident aliens may be required to certify their exempt status every three years (or earlier upon request) to avoid backup withholding.

You may be subject to civil and criminal penalties if you fail to provide us with a correct TIN or falsify information with respect to withholding. For additional information on interest reporting and withholding, contact your tax advisor or the IRS.

11(m). Bank's relationship with you

We are responsible for exercising only ordinary care in carrying out our obligations under and complying with this Agreement. When we take an item for processing by automated means, ordinary care does not require us to examine the item. In all other cases, ordinary care requires only that we follow standards that do not vary unreasonably from the general standards followed by similarly situated banks.

11(n). Section headings

This Agreement will be binding on your personal representatives, executors, administrators, and successors.

12. Limitation of liability

Unless another time is provided in another provision of this agreement, or required by Applicable Law, to the maximum extent permitted by Applicable Law, an action or proceeding by you to enforce an obligation, duty or right arising under this agreement or by law with respect to your account or any account service must be commenced within one year after the cause of action occurs.

14. Dispute resolution

Notwithstanding anything to the contrary in this Dispute Resolution Provision, if a final decision, not subject to any further appeal or recourse, determines that the limitations of this Section are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and we agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated only in the courts provided for under California law in the federal courts for the Northern District of California and the state courts located in San Francisco County, California. All other Disputes shall be arbitrated or litigated in small claims court.

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Electronic Fund Transfer Disclosure

This Electronic Fund Transfer Disclosure applies to electronic fund transfers to or from your Account to the extent the transfers are governed by Regulation E (excluding remittance transfers governed by Subpart B of Regulation E). This Electronic Fund Transfer Disclosure seeks to inform you of your rights and obligations under Part A of Regulation E. This Electronic Fund Transfer Disclosure does not cover "remittance transfers" or wire transfers governed by Part B of Regulation E.

Transfer Types and Limitations

(1)Account access. The following electronic fund transfer services are available to you when you open an Account with us:

(i)Direct Deposits. You may permit a payor to make direct deposits to your Account to the extent a payor offers direct deposits.

(ii)Other Deposits. You may make deposits from your Linked Account or by automated clearing house transfer to your Account.

(iii)ACH and RTT transactions to and from the Account.

(2)Limitations on frequency and dollar amounts of transfers. There may be limitations on the frequency and amount of transactions you can make to or from your Account. The limitations are set forth in Exhibit 2. For security reasons, we may impose additional deposit limits. Confidentiality of certain details related to these additional limits is essential to the security of an account or system. Please see below for additional information on limits.

Consumer Liability for Unauthorized Transactions

Tell us AT ONCE if you believe your Login Credentials or any code used to access your Account have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you tell us within 2 Business Days after you learn of the loss or theft of your Login Credentials or any code used to access your Account, you can lose no more than $50 if someone used your Login Credentials or any code used to access your Account without your permission.

If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Login Credentials or any code used to access your Account, and we can prove we could have stopped someone from using your Login Credentials or any code used to access your Account without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

Contact in Event of Unauthorized Transfer

If you believe your Login Credentials or any code used to access your Account has been lost or stolen, email us at email address set forth under the section titled "Customer service contact information" above or notify us through the Natural Technology.

You should write to the email address or call the number listed above if you believe a transfer has been made using the information related to you without your permission.

Fees

Please see Section 4 and Rate and Fee Schedule for a description of fees.

Documentation

(1)Periodic statements. You will get a monthly account Statement through Natural (unless there are no transfers in a particular month, and, in any case, you will get the statement at least quarterly). Please see Section 3(d) for additional information.

(2)Confirmation of Preauthorized Deposits (Credits). If you have arranged to have electronic deposits made to your Account from the same payor at least once every sixty (60) days (for example, if you have direct deposit of your Social Security payments to your Account), you can find out if your deposit has been received by contacting Natural through the Natural Technology. These electronic deposits will also appear on the periodic statements for your Account. We are not required to provide any other written notice to you concerning the receipt of such payments.

(3)Notice of Varying Payment Amounts. If your recurring electronic payments may vary in amount, the person or company you intend to pay should tell you, ten (10) days before each electronic payment, the date the payment will be made and how much it will be. The person or company that you are paying may choose to give you the option to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set. You should contact the person or company you are paying with any question about these notices.

Preauthorized Payments

If you have scheduled a recurring debit EFT (also known as a preauthorized transfer), you can stop these transfers by contacting us through the Natural Technology or by calling us at the number set forth in the section titled "Customer service contact information" in time for us to receive your request 3 Business Days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you order us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Our Liability

If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(1)If, through no fault of ours, you do not have enough money in your Account to make the transfer.

(2)If the automated teller machine where you are making the transfer does not have enough cash.

(3)If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

(4)If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(5)Circumstances beyond our control prevent the transfer,

(6)Failures caused by circumstances beyond our control despite reasonable precautions.

(7)If funds are not available due to a hold or if the Account or funds are subject to a legal action.

(8)If we do not complete a transaction because we have reason to believe the transaction is unauthorized or illegal.

(9)Your Account has been frozen, revoked, canceled, terminated, closed or suspended.

Confidentiality

We will disclose information to third parties about your Account or the transfers you make: (i) where it is necessary for completing transfers; (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; (iii) in order to comply with government agency or court orders; (iv) if you give us written permission; (v) to verify your identity and determine if we should open an Account for you using services provided to us by third parties; or (vi) as explained in our Privacy Notice (available at https://column.com/legal/privacy-notice).

Services offered by Natural are subject to Natural Privacy Policy (available at https://www.natural.com/privacy). Bank does not have control over your data provided or collected by Natural in connection with its services.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers email the Natural using the email address set forth in the section titled "Customer service contact information" or notify us through the Natural Technology as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. In order to reduce your liability, 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.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, 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.

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IV. Debit Card Additional Terms

The following terms apply if you request a Debit Card associated with your Account. Parts IV.A and IV.B contain additional Debit Card terms applicable to Consumer Customers and Commercial Customers, respectively.

1. Definitions

A "Debit Card" is one or more cards or other access devices, including your account number or digital version of your debit card and any digital card, that we may issue to allow you to access the funds on your Account, and includes all AI Agent Cards, Single-Use Cards, renewals, and substitutions of the same.

"AI Agent Card" means a virtual Debit Card designated at the time of issuance as available for use by an AI Agent.

"AI Agent Card Data" means the PAN, expiration date, and card verification value of a single-use, virtual Debit Card provisioned to that AI Agent, and specifically excludes any Card Data of a non single-use card.

"Agentic Transaction" means any transaction initiated, authorized, or submitted using a Debit Card by an AI Agent, regardless of whether the AI Agent acted within the applicable Authorization Parameters.

"Card Data" means a Debit Card's number, expiration date, card verification value, and any other credentials that may be used to initiate a transaction with the Debit Card.

"Card Management Functions" means functionality made available through the Natural Technology, including Natural's APIs, MCP server, and SDKs, that permits Debit Cards to be requested, issued, modified, locked, unlocked, suspended, or cancelled programmatically.

"Qualifying Authorization" means the first authorization request for a non-zero dollar amount that is approved by the payment network or Bank. A $0.00 pre-authorization or account verification request, and a declined authorization request, are not Qualifying Authorizations.

"Single-Use Card" means a virtual Debit Card, including an AI Agent Card, designated at the time of issuance as limited to a single transaction.

2. General Provisions

2(a). Debit Card generally

We may (but are not obligated to) issue you a Debit Card that will automatically link to your Account and be funded by your Account. If a Debit Card is made available to you, the Debit Card allows you to access funds deposited to your Account by you or on your behalf pursuant to the terms of this Agreement. The Debit Card is an access device, and the terms and limitations applicable to the Account also apply to the Debit Card. The Debit Card is not a credit card, prepaid card or a gift card and may not be gifted, sold or transferred. The expiration date of the Debit Card is listed on the Debit Card. However, the funds in your Account will not expire, regardless of the expiration date listed on your Debit Card. The Debit Card will remain the property of the Bank and must be surrendered upon demand. The Debit Card may be cancelled, repossessed, or revoked at any time without prior notice, subject to Applicable Law. We have no responsibility for failure of any machine, merchant, financial institution or any other party to honor your Debit Card. We may decline to authorize a transaction for any reason. We are not responsible for any losses you may incur if we do not authorize a transaction. You understand that any person may deny acceptance of or refuse to accept your Debit Card and we are not responsible for such denial or refusal.

2(b). Responsibility and security

You are responsible for all authorized transactions initiated and fees incurred by use of the Debit Card. It is your responsibility to protect the Debit Card and Card Data to the same extent it is your responsibility to protect the Account number, Login Credentials, and electronic access devices we provide you for your Account. Keep your Debit Card and Card Data secure at all times. If your Debit Card or Card Data is lost or stolen, notify Natural immediately to limit your liability for unauthorized transactions that may occur. We reserve the right to place a hold on your Debit Card if we suspect irregular, fraudulent, unlawful or other unauthorized activity involved with your Debit Card.

2(c). Payment network rules; transaction categorization

Not all services or features of your Debit Card described in this Agreement are available to all persons or at all locations. Any offer of a service or feature of your Debit Card or Account in this Agreement will be deemed void where prohibited. Use of the Debit Card is also subject to all applicable rules and customs of any payment network, clearing house or other association involved in transactions in addition to this Agreement. You agree that we may rely on information provided by merchants and the applicable payment network to categorize transactions and merchants, including for purposes of applying Authorization Parameters and spending limits.

2(d). Eligibility

Please see Parts IV.A and IV.B for the terms applicable to your Debit Card.

3. Card Issuance and Activation

3(a). Activating your Debit Card

You must activate the Debit Card and complete the activation process before it may be used. You may need to provide personal information in order for your identity to be verified and for completion of the activation process. You must maintain your PIN in confidence and not give it to anyone. You should memorize your PIN and not write down your PIN or keep your PIN with your Debit Card. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately.

3(b). Virtual cards and digital wallets

We may permit you to obtain a virtual Debit Card through the Natural Technology or to add your Debit Card to a digital wallet operated by a third party ("Digital Wallet"). Your use of a virtual Debit Card or Digital Wallet may be subject to additional terms and conditions, which you must accept when you obtain or access the virtual Debit Card or Digital Wallet. Transactions made using a virtual Debit Card or Digital Wallet are governed by this Agreement. You may not be able to use a virtual Debit Card at any terminal that does not have the technology necessary to accept it. You may not use a virtual Debit Card to obtain cash.

We have no control over any Digital Wallet or the device on which you use it and cannot guarantee their performance. Neither we nor Natural are liable for any losses that result if a Digital Wallet is unavailable or defective. You are responsible for protecting the security of any Digital Wallet, the device on which you use it, and any credentials you use to access either. If you give someone your mobile device, that can be the same as giving that person your Debit Card. You may be charged third-party fees, such as mobile carrier data or messaging charges, and we are not responsible for any such fees. We may restrict your ability to make transactions through a Digital Wallet, or change the Digital Wallets we permit you to use, at any time. You agree to notify us promptly if the security of your Digital Wallet or device may be compromised.

3(c). Single-Use Cards

We may permit you to obtain one or more Single-Use Cards. A Single-Use Card will be permanently closed upon the earlier of (i) a Qualifying Authorization or (ii) the expiration date of the Single-Use Card. Closure occurs automatically and without prior notice to you. You may continue to submit authorization requests on a Single-Use Card until a Qualifying Authorization occurs. Any authorization request submitted after a Qualifying Authorization, including a retry or a request submitted before closure is confirmed by the payment network, will be declined. A closed Single-Use Card cannot be reactivated. You are responsible for any consequences of a Single-Use Card closing as described in this paragraph, including a merchant's failure to receive payment or failure to provide a good or service.

3(d). AI Agent Cards

Please see Parts IV.A and IV.B for the terms applicable to your Debit Card.

4. Using your Debit Card

4(a). Debit Card use

Once your Debit Card is active, subject to the limitations of this Agreement, you may use your Debit Card, as applicable, to make purchases at any merchant that accepts payment using the Debit Card, as long as you do not exceed the value available in your Account and subject to the Spending Limits and the transaction limitations set forth in Exhibit 2.

Each time you use the Debit Card, you authorize the Bank to reduce the value available in your Account (i.e., debit your Account) by the amount of the transaction and any applicable fees. We reserve the right to refuse to make any transfer or process any transaction for security, credit, legal/regulatory, or other reasons, as we determine in our sole discretion. Subject to Applicable Law, you are responsible for all transactions you authorize using the Debit Card, including any losses, charges, or penalties incurred as a result. You may not use the Debit Card for any illegal purposes or for any purposes for which you may not use your Account.

The Debit Card is the property of the Bank, and if your Account is closed or your Debit Card privileges are cancelled, you agree to stop using the Debit Card and destroy the Debit Card or return the Debit Card to the Bank, upon its request. With your PIN, a physical Debit Card may be used to obtain cash at ATMs or POSs, subject to the limitations set forth in Exhibit 2. The Debit Card cannot be used at ATMs outside the U.S. without prior notice and approval.

4(b). Withdrawals: card transfers

Once you activate a physical Debit Card, we may permit you to withdraw funds from your Account using the Debit Card, including (i) withdrawing money at automated teller machines ("ATMs"); (ii) withdrawing money from point of sale ("POS") terminals (including "cash-back" transactions where a merchant gives you cash from your Account); and (iii) making POS purchases. We may charge you for using your Debit Card at ATMs, and the owners of ATMs may charge you for using their ATM. See the Rate and Fee Schedule for information on fees we may charge. If there is such a charge, you should be told how much it is before you complete the withdrawal. If you then decide to withdraw the money, the amount of the withdrawal, plus the charge, will be deducted from your Account at the time of the transaction. The ATM use fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed or controlled by us.

4(c). Card not present transactions

If you initiate a transaction without presenting your Debit Card (such as for a mail order, internet or telephone purchase), including any Agentic Transaction, the legal effect will be the same as if you used the Debit Card itself. For security reasons, the amount or number of such transactions you may make may be limited.

4(d). Split transactions

If you do not have sufficient funds in your Account, you can instruct the merchant to charge a part of the purchase to the Debit Card and pay the remaining amount with cash or another card. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Debit Card, your Debit Card is likely to be declined.

4(e). Foreign transactions

A foreign transaction is any transaction (1) made in a foreign currency, or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. The Debit Card may be used to conduct international purchase transactions, including, without limitation, transactions conducted on international merchant websites or mobile applications accessible within the U.S.; provided the merchant accepts the Debit Card. If you make a foreign transaction, a foreign transaction fee (see the Rate and Fee Schedule) will be assessed. If a transaction is made in a foreign currency, the transaction will be converted by Visa into a U.S. dollar amount in accordance with the operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Charges from foreign merchants and financial institutions may be made in a foreign currency. We will post transactions to your Account in U.S. dollars based on the exchange rate on the day we settle the transaction, plus any special currency exchange charges that may be imposed by the Visa network and/or by any third party used to complete the transaction. The exchange rate applied to each such transaction is (1) a rate selected by Visa; or (2) the government-mandated rate in effect for the applicable central processing date. Because of the special charges and possible differences in exchange rates between the time we settle and the time you initiated the transaction, the charge for a foreign transaction may be less than or greater than the purchase at the time it was made. Foreign transactions are subject to any other fees imposed by the payment network and/or any third party used to complete the transaction and will be included in the amount charged to your Debit Card or otherwise be debited from your Account.

4(f). Recurring transactions

If you authorize a merchant to charge your Debit Card on a recurring basis, you must notify the merchant if we issue you a new Debit Card with a different number or expiration date, or if your Debit Card is closed. Recurring transactions may continue to be charged to your Debit Card until you change your billing information with the merchant. We may (but are not obligated to) provide your new Debit Card number and expiration date to a merchant with whom you have set up recurring transactions.

Please see Part IV.A for additional terms applicable to Consumer Customers.

4(g). Use by other persons and AI Agents

Please see Parts IV.A and IV.B for the terms applicable to your Debit Card.

5. Holds, Posting, and Refunds

5(a). Funds availability: transaction posting order

Debit Card purchases will be posted according to the date and time provided by the merchant. Your available Account balance may not include Debit Card transactions where the card authorization has been removed before the transaction is settled due to a merchant's delay in settlement or the full amount of a Debit Card transaction where the settlement amount is greater than the card authorization amount.

5(b). Authorization holds

When you use your Debit Card to pay for goods or services, merchants may ask us to authorize the transaction in advance and before the final debiting of funds from your Account, which will occur later when the merchant presents the authorization for settlement. Some merchants may also add an amount to an authorization to ensure that sufficient funds will be available to cover the final transaction (such as an estimated tip). We will only debit your Account in the amount of the transaction indicated by the merchant when the authorization is presented for settlement.

When a Debit Card transaction is authorized, we may place a temporary hold ("Authorization Hold") on your Account for the amount indicated by the merchant. It may be several days or longer before the merchant presents the authorization for final settlement and the funds under the Authorization Hold are debited from your Account. Funds on an Authorization Hold are not available to you for other transactions that are not the subject of the hold.

If the merchant does not promptly settle the transaction, we will generally release the Authorization Hold within five (5) Business Days from the time of authorization. For certain types of transactions, the Authorization Hold can be longer, including up to 60 days for certain transactions, including car rental, hotel, and international Debit Card transactions. This list is not exhaustive, and Authorization Holds may remain for longer periods. You agree that the merchant has sole responsibility for when an authorized transaction finally settles.

The amount of each purchase or payment, including any cash withdrawals, will be deducted from your Account. You agree that we may hold funds representing purchases or bill payments authorized until posted to your Account. Every transaction, including one initiated on a Debit Card issued or modified through Card Management Functions or initiated by an AI Agent, remains subject to our authorization, fraud monitoring, and payment network rules, and we may decline any transaction regardless of any approval given through the Natural Technology or your own systems.

5(c). Return of funds

If you are entitled to a refund for any reason for goods or services obtained with the Debit Card, you agree to accept credits to your Account for refunds and agree to the refund policy of the merchant. Neither the Bank nor Natural is responsible for the delivery, quality, safety, legality or any other aspects of the goods or services you purchase from others with the Debit Card. If you have a problem with a purchase you made with the Debit Card, or if you have a dispute with the merchant, you must handle it directly with the merchant. The amounts credited to your Account for refunds are generally made available to you within seven (7) days from the date the refund transaction occurs.

Please see Part IV.B for additional terms applicable to Commercial Customers.

6. Suspension, Cancellation, and Replacement

6(a). Card suspension and cancellation

We reserve the right, at any time and in our sole discretion, to limit your use of the Debit Card, including limiting or prohibiting specific types of transactions. We may refuse to issue a Debit Card, revoke Debit Card privileges, or cancel your Debit Card with or without cause or notice, other than as required by Applicable Law. If you would like to cancel the use of your Debit Card, you may do so by notifying Natural through the Natural Technology or the number on the back of your Debit Card. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Debit Card. You remain responsible for transactions authorized before cancellation, including those that post to your Account after the Debit Card is cancelled. The cancellation of Debit Card privileges will not otherwise affect your rights and obligations under this Agreement.

6(b). Lost card information; replacement cards

If you believe your Debit Card, PIN, or Card Data has been lost, stolen or compromised, immediately call the number on the back of your Debit Card or notify us using the Natural Technology. Consumer Customers should refer to Part IV.A for information on how to limit liability for unauthorized transactions. If you need to replace the Debit Card for any other reason, contact Natural through the Natural Technology to request a replacement. You will be required to provide personal information which may include the last four digits of your Debit Card number, your full name and knowledge of the Debit Card transaction history. We may ask you to report any criminal act related to a lost, missing, or stolen Debit Card to law enforcement, and you agree to cooperate with any investigation we conduct.

When you report a Debit Card lost or stolen or request a replacement, the Debit Card will be deactivated. We will not charge a fee for a replacement Debit Card issued because your Debit Card expired.

7. Liability for Unauthorized Transactions; Errors

Please see Parts IV.A and IV.B for the terms applicable to your Debit Card.

8. Additional Provisions

8(a). Representations and warranties

Please see Part IV.B for additional terms applicable to Commercial Customers.

8(b). Limitation of liability; indemnification

The Limitation of Liability and Indemnification provisions of Part I apply to your Debit Card. Please see Part IV.B for additional terms applicable to Commercial Customers.

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IV.A Additional Debit Card Terms Applicable to Consumer Customers

The following additional terms apply to Debit Cards issued to Consumer Customers. Section numbering corresponds to the Sections and Sub-sections in Part IV of this Agreement.

2(d). Eligibility

Debit Cards are available to Consumer Customers who maintain an Account in good standing. A Debit Card issued to a Consumer Customer may be used only for personal, family, or household purposes.

3(d). AI Agent Cards

AI Agent Cards may be created by you through the Natural Technology, provided that (i) each request does not exceed the maximum number of Debit Cards permitted for your Account, which Bank or Natural may adjust at any time with or without notice to you, (ii) no AI Agent Card requested will be issued until you have affirmatively approved the request through an approval mechanism provided by Natural, and (iii) any AI Agent Card is subject to valid Authorization Parameters.

4(f). Recurring transactions

You may also stop recurring transactions as described under "Preauthorized Payments" in the Electronic Fund Transfer Disclosure.

4(g). Use by other persons and AI Agents

The Debit Card is solely for your use. You may not request an additional Debit Card for another person, for any reason. To the extent you allow another person to use your Debit Card, you are liable for all transactions submitted through the Debit Card, subject to Applicable Law, including Regulation E and the Electronic Fund Transfer Act. If you furnish your Debit Card and grant actual authority to make transfers to another person (a family member or friend for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized.

You are responsible for all authorized transactions initiated by use of an AI Agent Card by an AI Agent operating within valid Authorization Parameters. You acknowledge and agree that you are responsible for activity related to your Debit Card by an AI Agent to the same extent as if you had conducted that activity yourself. You agree that transactions by an AI Agent operating within valid Authorization Parameters are authorized. Revoking a Delegation Authorization or canceling an AI Agent Card counts as notice that an AI Agent's transactions are no longer authorized.

7. Liability for unauthorized transactions; errors

The following Debit Card Liability Limits and Debit Card Electronic Fund Transfer Disclosure apply to your Debit Card.

Debit Card Liability Limits

Additional Limits on Liability for Visa® Consumer Debit Cards: Your liability for unauthorized use of your consumer Visa debit card when it is used for purchase transactions will not exceed zero dollars ($0) if (i) you can demonstrate that you have exercised reasonable care in safeguarding your debit card from risk of loss, theft, or unauthorized use; (ii) you have not reported two (2) or more incidents of unauthorized use to us within the preceding 12 months; and (iii) your account is in good standing. Visa is a registered trademark of Visa Inc.

Debit Card Electronic Fund Transfer Disclosure

In addition to the Electronic Fund Transfer Disclosure above, the following disclosures related to electronic fund transfers to or from your Account using your Debit Card apply to the extent the transfers are governed by Regulation E.

Transfer Types and Limitations

You can use your Debit Card and PIN at ATMs and certain POSs to withdraw cash from your Account. You may pay for purchases at places that have agreed to accept the Debit Card. You can get a receipt at the time you make a transfer to or from your Account at participating ATMs or when you use your Debit Card at a POS. We will not be liable to you if we do not complete a transfer to or from your Account using the Debit Card on time or in the correct amount according to our agreement with you if your Debit Card has been frozen, revoked, canceled, terminated, closed or suspended.

Consumer Liability for Unauthorized Transactions

Tell us AT ONCE if you believe your Debit Card or related credentials have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you tell us within two (2) Business Days after you learn of the loss or theft of your Debit Card or related credentials, you can lose no more than $50 if someone used your Debit Card or related credentials without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Debit Card or related credentials, and we can prove we could have stopped someone from using your Debit Card or related credentials if you had told us, you could lose as much as $500.

Contact in Event of Unauthorized Transfer

If you believe your Debit Card or related credentials have been lost or stolen, email us at the email address set forth under the section titled "Customer service contact information" above, notify us through the Natural Technology, or contact us at the number on the back of the physical Debit Card. You should write to the email address or call the number listed above if you believe a transfer has been made using the information related to you without your permission.

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IV.B Additional Debit Card Terms Applicable to Commercial Customers

The following additional terms apply to Debit Cards issued to Commercial Customers. Section numbering corresponds to the Sections and Sub-sections in Part IV of this Agreement.

2(d). Eligibility

Debit Cards are available to Commercial Customers, including sole proprietorships, that maintain an Account in good standing. By requesting a Debit Card, you acknowledge and agree that the Debit Card will be used only for your lawful business or commercial purposes and not for any personal, family, or household purpose. Because the Debit Card is a commercial-purpose access device, the Electronic Fund Transfer Act, Regulation E, and other protections available under consumer financial protection laws do not apply to your Debit Card. We may provide you with notices or take other actions required for consumer-purpose accounts without making the Debit Card subject to such laws. If you use the Debit Card in a manner that is not permitted, this Agreement still applies and you are liable for those transactions.

3(d). AI Agent Cards

AI Agent Cards may be created by you or an Authorized User through the Natural Technology, provided that (i) each request does not exceed the maximum number of Debit Cards permitted for your Account, which Natural may adjust at any time with or without notice to you, (ii) no AI Agent Card requested will be issued until a natural person acting as you or as an Authorized User has affirmatively approved the request through an approval mechanism provided by Natural, and (iii) any AI Agent Card is subject to valid Authorization Parameters.

AI Agents may access AI Agent Card Data only through the secure card data interface designated by Natural. You represent and warrant that any AI Agent you permit to access AI Agent Card Data is acting within the scope of authority you have granted. You are responsible for safeguarding all credentials used to access AI Agent Card Data and for all activity conducted using those credentials, and you must implement appropriate technical and organizational safeguards to prevent unauthorized access to Card Data. By enabling access to AI Agent Card Data, you represent that you are and will remain in compliance with the Payment Card Industry Data Security Standards ("PCI DSS") applicable to your handling of Card Data. We or Natural may suspend or revoke access to AI Agent Card Data and AI Agent Cards at any time if we suspect fraud, security compromise, or misuse.

4(g). Use by other persons and AI Agents

You may permit one or more Authorized Users to use a Debit Card or request Debit Cards on your behalf, subject to our approval. We may require information about each Authorized User and may limit the number of Authorized Users and Debit Cards. You may set limits on each Authorized User's Debit Card through the Natural Technology, such as merchant types and transaction amounts. You agree to share these terms with each Authorized User. You are solely responsible for monitoring Authorized Users' use of Debit Cards, and we have no obligation to monitor whether transactions are made on your behalf.

You are responsible for all activity on a Debit Card by an Authorized User, AI Agent, or any person to whom you or an Authorized User gives access to a Debit Card or Card Data, and all such transactions will be treated as if you made them yourself, even if they exceed the authority you granted or you did not want or agree to that use. All Agentic Transactions are deemed authorized by you and binding on you if conducted pursuant to valid Authorization Parameters. An Authorized User may continue to use a Debit Card until we have received your request to remove the Authorized User through the Natural Technology and have had a reasonable opportunity to act on it, and you remain responsible for those transactions even if they post after removal. When an Authorized User is removed, you must destroy any Debit Card in that Authorized User's possession and disable any credentials they could use to access a Debit Card. We may remove any Authorized User at any time for any reason.

5(c). Return of funds

You may not assert against us any claim or defense you have against a merchant.

7. Liability for unauthorized transactions; errors

You must review Debit Card activity regularly through the Natural Technology and take reasonable steps to prevent unauthorized use of your Debit Cards and Card Data. You MUST NOTIFY US IMMEDIATELY of the loss, theft, or possible unauthorized use of a Debit Card or Card Data, and in no event later than 60 days after the unauthorized or erroneous transaction first appears in your transaction history. You are liable for unauthorized use of a Debit Card that occurs before you notify us, unless prohibited by Applicable Law, and you are not liable for unauthorized use that occurs after you notify us. If you do not notify us within that 60-day period, we will not be liable for any resulting losses, except as required by Applicable Law. You must provide any information we request to investigate a transaction, and we will determine whether an error occurred and correct any error we find. This Section supplements Section 8(g) of Part II.

8(a). Representations and warranties

From the time you accept this Agreement until all amounts you owe us have been paid in full, you represent, warrant, and covenant that: (i) you are duly organized (or, if a sole proprietor, duly registered), validly existing, and in good standing, and are authorized to transact business in each jurisdiction where you do so; (ii) you have full power and authority to enter into and perform this Agreement, and the individual accepting it on your behalf is authorized to bind you; (iii) your use of the Debit Card is and will be solely for lawful business purposes; (iv) all information you provide to us is accurate and complete; (v) you comply with all Applicable Law in the conduct of your business; and (vi) neither you, any Authorized User, nor any beneficial owner is the target of any economic or trade sanctions.

8(b). Limitation of liability; indemnification

In addition to the Limitation of Liability and Indemnification provisions of Part I, neither we nor Natural will be liable for losses arising from (i) your failure to secure credentials used for Card Management Functions or to access Card Data; (ii) errors in your systems or integrations; (iii) misuse of Card Management Functions by Authorized Users, AI Agents, or third parties acting under your credentials; or (iv) delays in API transmission outside our control. Your indemnification obligations under this Agreement expressly include any claim arising from an Agentic Transaction or from the operation, malfunction, compromise, or unauthorized conduct of any AI Agent to which you or an Authorized User provided access to a Debit Card or Card Data.

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EXHIBIT 1

Rate and Fee Schedule

The current Rate and Fee Schedule is available at natural.com/pricing.

EXHIBIT 2

Transaction Limitations

There are no set additional deposit, withdrawal, or transfer limits; transactions are subject to fraud constraints that will evolve over time based on behavioral modeling.

EXHIBIT 3

Mobile Check Deposit Addendum

This Mobile Check Deposit Addendum ("Check Addendum") establishes the terms and conditions under which Bank may process remote check deposits to your Account (the "Mobile Check Deposit Service"). This Check Addendum supplements, amends, and forms a part of the Agreement. If there is any conflict between this Check Addendum and the Agreement, this Check Addendum shall govern with regard to the Mobile Check Deposit Services, but only to the extent of such inconsistency. By using the Mobile Check Deposit Services, you agree that you are bound by and will comply with the terms and conditions of this Check Addendum, as well as the Agreement, Applicable Law, and any other terms, conditions, or agreements pertaining to Bank's provision of the Mobile Check Deposit Services to you.

1. Definitions

Unless otherwise defined in this Check Addendum, all capitalized terms have the meanings assigned in the Agreement.

"Image" means a legible picture of the front and back of the Eligible Item.

"Service" means the service provided under this Check Addendum under which you may electronically transmit Images to us for deposit to an Account through an eligible Device.

"Eligible Item" means a check not prohibited under Section 5 of this Check Addendum that (i) is a paper item; (ii) is defined as a "check" under Regulation CC; (iii) contains a valid 9-digit United States Routing/Transit Numbers; (iv) is properly endorsed; (v) is payable to you; (vi) is legible and conform to our imaging and processing standards; and (vii) is dated.

"UCC" means the Uniform Commercial Code as adopted in California.

2. Mobile Check Deposit Services

We may provide you with the ability to deposit Eligible Items to your Account remotely using a compatible mobile device (camera), computer hardware (scanner), software or web-based application ("Device") by creating an Image and delivering such Image and associated deposit image to use.

If the Image is accepted for deposit by Bank, we will notify you via the Natural Technology.

To deposit an Eligible Item using the Service, you must endorse the Eligible Item with your name and the legend "For Electronic Deposit at Column Only" prior to submitting an Image of the Eligible Item to us.

You agree that each Image of the Eligible Item that is transmitted to us shall be deemed an "item" within the meaning of Article 4 of the Uniform Commercial Code of the State of California.

If there is any discrepancy or error in the amount of the Image submitted by you and the actual amount of the Eligible Item, we may debit or credit your Account to adjust for any such error or discrepancy. Upon our request for any reason, including, but not limited to assisting in any clearance and collection process, to resolve any third-party claims arising out of or in connection with such item or for our audit purposes, you will promptly provide any stored or retained Eligible Item or a copy of such item sufficient to reflect the front and back of the item.

3. Image Requirements

The Eligible Items must contain and clearly indicate an amount to be paid, a preprinted bank routing number, account number, and serial number, be payable to you, and be endorsed for deposit only to the Account. All Images you submit to us using the Service must be legible, accurately capture the front and back of the Eligible Item and all other required data and information from such Eligible Item using a Device that meets the hardware and software requirements we may require from time to time.

You are responsible for ensuring that the Image submitted by you meets Bank's image quality requirements.

The Image you submit to us for processing, must meet requirements to create a Substitute Check (including all MICR-line information) and include the accurate amount of the Eligible Item. Each time you submit an Image using our Remote Deposit Capture Services, you agree that, for all purposes, such Image is an "item" as defined under the UCC and is the legal equivalent of the Eligible Item and that we qualify as a holder-in-due-course under the UCC.

If we provide a "memo" field through our Service or if one is provided on your Device, you may use such field to input information, but you should not enter any sensitive or confidential information like a Social Security or account number. We will not review any entry you make to this field nor do we have any obligation to review such entries. Any entry you make to this field will be at your own risk and liability. We will not be responsible for anything you may enter into this field.

We may accept and treat any Image as endorsed even if you submit it without the endorsements required hereunder.

4. Method of Presentment and Processing Images

Bank may attempt to collect the funds by presenting the Image or converting the Image into a Substitute Check. You acknowledge that the manner in which checks are cleared or presented for payment is in our sole discretion. We reserve the right to select the clearing agent(s) through which we clear Items. You agree to be bound by any clearing house agreements, operating circulars, image exchange agreements or any other related agreements to which we are a party.

A "Substitute Check" is the legal equivalent to the original check and is created from the original check. It can be used as proof of payment. Included on a Substitute Check will be the following words or similar words, "This is a legal copy of your check. You can use it the same way you would use an original check." The Substitute Check is the accurate copy of the front and back of the original check. We may elect to provide you with a Substitute Check for any check to be returned to you. Unless we agree in writing to take a Substitute Check, you will not submit any Substitute Check, for deposit or otherwise, if we would be the first financial institution to receive the Substitute Check.

We may process Images submitted by you that are legible and that accurately captures all required data and information. If an item is not legible, accurate or does not otherwise meet standard of quality, we may reject and return the item to you without prior notice. We can collect, process, present for payment, return or represent any of your Images in any manner we choose unless otherwise prohibited by applicable law. We do not have to process any Image you submit and can reject any such Image for any reason. If we reject an Image, you will need to resubmit the Image for processing by us. Your payment history (past or upcoming) will not reflect the rejected Image.

5. Prohibited Checks

You may only use the Service to submit Eligible Items that are made payable to you, with authentic and authorized signatures, that are not altered.

The following checks are ineligible and may not be deposited using the Service:

(1)Checks payable for greater than $1 million USD for deposit;

(2)Returned deposit checks;

(3)Checks drawn on banks located outside the U.S.;

(4)Checks payable in a currency other than USD; and

(5)Checks payable to a third party.

You further agree that you will not use the Service to deposit any checks or other items that (i) are altered on the front of the item, fraudulent or otherwise not authorized by the owner of the account on which the checks are drawn, (ii) have not been previously endorsed by a bank and are either "substitute checks" (as defined in Regulation CC or other applicable federal law or regulation) or "image replacement documents" that purport to be substitute checks, without Bank's prior written consent, (iii) are payable jointly; (iv) are remotely created payment orders; (v) are dated more than six (6) months prior to the date of deposit, (vi) have any endorsement on the back other than that specified in this section, (vii) have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution; or (viii) are money orders.

All checks and items not Eligible Items are considered "Prohibited Items." If you deposit a Prohibited Item, you agree to indemnify and reimburse the Bank for, and hold the Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorneys' fees) that the Bank may incur associated with any warranty, indemnity or other claim related thereto.

6. Duplicate Presentment

Unless we advise you otherwise in writing, you will not submit for deposit through the Service any check (whether the original check, Eligible Item or Image) that has been previously submitted for deposit at Bank or any other financial institution, nor will you submit for deposit at any other financial institution any check (whether the original check, Eligible Item or Image) that has been submitted for deposit to Bank.

If applicable, you will employ commercially reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment.

7. Funds Availability

Notwithstanding anything to the contrary in any agreement or representation between you and Bank, by using Mobile Check Deposit, you acknowledge that deposits submitted using Bank's Mobile Check Deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC.

Check Deposits are deemed as made when you submit the Check Image as an Eligible Instruction and the Check Image is accepted by Bank.

If you make a deposit before 5:00 p.m. Pacific Time on a Business Day that we are open, we will consider that day to be the day of your check deposit. However, if you make a check deposit after 5pm Pacific Time or on a non-Business Day, we will consider that the check deposit was made on the next Business Day.

Funds from deposits made via the Service generally will be made available by the third Business Day after the day that the deposit is made.

We also may, at our discretion, apply additional delays on the availability of funds from deposits made via the Service based on any other factors as determined by us in our sole discretion.

When you make a check deposit to your Account, we will credit your account for the amount of the deposited item(s). We reserve the right to review the check deposit and confirm the amount you deposited but are not required to do so. If after any review we determine that the amount credited to your Account is incorrect, we may adjust your Account for the amount of the discrepancy.

We may return or refuse to accept all or any part of a deposit to your Account using Mobile Check Deposit at any time and for any reason. We will not be liable to you for refusing or returning a check deposit, even if it causes outstanding checks or other debits to your account to be dishonored or returned or for us to decline any other transactions you have already requested or made.

8. Mobile Check Deposit Limit

The maximum amount you may deposit through the Mobile Check Deposit Service is $100,000 per day and $500,000 in any rolling 30-day period. However, we may allow transactions that exceed your limits, and if we do so, we may increase or decrease that amount (but not below the disclosed limits) without notice.

We may temporarily reduce your limits below these disclosed limits without notice for security reasons.

We reserve the right to modify the foregoing limits, and/or impose limits on the number of deposits that you transmit using the Service from time to time, and will notify you to the extent required by law.

9. Accountholder Warranties and Covenants

You will comply with Applicable Law.

Each time you use the Service, you make all the warranties set forth in and subject to the terms of the UCC for the check as if it were an item subject to the terms of the UCC.

You make the following warranties and representations with respect to each Image and Eligible Item you transmit to us using the Service:

(1)Each Image transmitted to us is of an Eligible Item and is a true and accurate rendition of the front and back of the Eligible Item (at the time it was transmitted), without any alteration, and the drawer of the check has no defense against payment of the check;

(2)The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate;

(3)You are only transmitting Eligible Items you are entitled to endorse;

(4)All checks include all signatures required for their negotiation;

(5)You are using the Service only for your own deposits and have not allowed the use of the Service for the benefit of any third party;

(6)No person will receive presentment or otherwise be charged for a check submitted for deposit at Bank such that the person will be asked to make payment based on a check that has already paid;

(7)Other than the Image that you remotely deposit through the Service, there are no other duplicate images of the Eligible Item;

(8)You have possession of each Eligible Item deposited using the Service;

(9)You have ensured that each Eligible Item was authorized by the drawer in the amount stated on the Eligible Item and to the payee stated on the Eligible Item;

(10)The information you provided for your Account remains true and accurate, and in the event any such information changes, you will immediately notify us via Natural of the change; and

(11)Files and images transmitted to us contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

10. Deposited Checks Returned Unpaid

We may reverse any credit to the Account for any check that is not paid because (i) it is returned by the financial institution on which it was drawn; (ii) there is a claim that a required endorsement is forged; or (iii) there is a claim the check has been altered.

In the event that a check that you submit to us for deposit for credit to your Account is dishonored, rejected, or returned for any reason, you authorize us to debit the amount of the check from your Account, or offset the amount from any of your other accounts with us, and assess appropriate fees per the Agreement and this Check Addendum. You acknowledge that the returned deposit activity may result in the cancellation of your access to the Service.

In addition, we can place a hold on your Account for any item you submit if a claim is made regarding the item or we have reason to believe the item you submitted was forged, altered, unauthorized, missing signatures, includes a forged endorsement or, if the item was paid, for any reason for which the item should not have been paid. We can take these actions even if you have made withdrawals against the item. You may request a copy of any returned or rejected Image understanding that we can return such item by any method we choose, including as an image with accompanying data or as a Substitute Check.

You agree that we are not liable for any loss, costs, or fees you may incur as a result of the returned deposit activity.

11. Your Responsibility for Maintenance and Destruction of Original Items

Once your check deposit has been credited to your Account you must mark the Eligible Item as "VOID" and retain the check until you have confirmed the item has posted to your Account history, after which, you will destroy it by cutting it up or shredding it.

You agree that you shall be solely responsible for the Eligible Item, including storage, retrieval, and destruction.

You are solely responsible for all damages arising out of your failure to appropriately safeguard the original checks or failure to destroy them in a timely manner.

12. Additional Security Requirements

In addition to any security requirements set forth in the Agreement, you are solely responsible for maintaining the confidentiality of your credentials and any other means that you may use to securely access the Service and any Device used for such access. If another person's biometric identifier is loaded onto your Device, you must take immediate steps to ensure that the biometric identifier is removed from the Device, otherwise any transaction using such Device by a person who you have granted access to will not be an unauthorized transaction for the purposes of determining liability. Similarly, if you provide your user login credentials necessary to access your Device, you must take immediate steps to change such login credentials to ensure no third party has access to or knows such login credentials. Otherwise, any Image submitted for processing using such Device by a person to whom you provide your user login credential will not be an unauthorized transaction for the purposes of determining liability. If your login credential, biometric authentication or other passcode is compromised or your Account has been used with the Service without your permission, or you have a Device and it has been lost or stolen, you must notify us immediately. If you fail to notify us without delay, you may be liable for part or all of the losses in connection with any unauthorized use of your Account in connection with the Service. It is your responsibility to protect your Device against any unauthorized access and any resulting losses or damages from unauthorized access. You are solely responsible for these security precautions. We will not be obligated or responsible for any of these security precautions.

13. Fees

Fees for the Service are set forth in the Agreement.

14. Deposit Liability

Bank is not liable for any check deposits not received by Bank. We are not obligated to process any Image you submit through the Service and reserve the right to reject or return any unpaid item at our discretion. Further, we will not be responsible for any amount for any item that we do not receive or for any error in submission of any Image from your Device to us. An image will only be deemed to be received by us when we receive confirmation of receipt of such Image. However, any confirmation of receipt is not a confirmation that the submission or the Image was received error-free, complete and/or that we have accepted it for deposit.

15. Termination of Service

We reserve the right to terminate Bank's provision of the Service at any time without notice to you.

16. Miscellaneous

If you receive notice of any claim regarding the Service, you shall promptly provide Natural with a written notice of it.