Important Disclosures and Consents

Last updated: November 12, 2026

Please review the following Disclosures and Consents carefully. They affect your legal rights. We recommend keeping a copy for your records.

E-SIGN Agreement (E-SIGN Act)

You consent to receiving agreements, disclosures, notices, statements, and other communications from Natural ("Communications") electronically instead of in paper form. Natural may provide these Communications to you via your Natural Dashboard; Natural's website; Natural's mobile application; Natural's bank partner, Column N.A., Member FDIC ("Column"); or email.

Authorization. You agree that Natural may send you electronic Communications.
Legal Effect. Electronic Communications satisfy any legal requirement that a communication must be in writing.
Signatures. Your electronic signature has the same legal effect as your handwritten signature.
Technology Requirements. You confirm you have access to a device with internet connectivity, a current web browser, and the ability to view and save PDF documents.
Paper Copies. You may request a paper copy of any Communication at no charge.
Withdrawing Consent. You may withdraw your consent to receive electronic Communications at any time by contacting Natural. Note that withdrawing consent may result in Natural restricting or closing your Natural Account.
Third Parties. Your consent includes electronic Communications that Natural provides on behalf of its third-party bank partner(s) and technology partner(s).

By signing up with Natural, you acknowledge that you have read and consent to electronic Communications.

Funds Availability (Regulation CC)

If enabled for your Wallet Account, you may receive funds through the methods below. These terms apply to consumer and commercial accounts. "Business Day" means Monday through Friday, excluding U.S. federal holidays. All times below are Pacific Time.

Method	When the deposit counts as received	When funds are available
ACH credit - funds sent to your Wallet Account	Before 11:00 p.m. on a Business Day: that day. At or after that time, or on a non-Business Day: the next Business Day.	The day received, and no later than the first Business Day after the day of deposit.
ACH debit from your Linked Account - funds we pull into your Wallet Account	Before 11:00 p.m. on a Business Day: that day. At or after that time, or on a non-Business Day: the next Business Day.	Typically no later than the second Business Day after the day of deposit. We may provide earlier provisional availability.
RTP	When the payment is accepted, including on weekends and holidays. No daily cutoff.	Immediately, subject to exceptions permitted by applicable law and network rules.
FedNow	When the payment is accepted, including on weekends and holidays. No daily cutoff.	Immediately, subject to exceptions permitted by applicable law and network rules.
Domestic wire	Before 11:00 p.m. on a Business Day: that day. At or after that time, or on a non-Business Day: the next Business Day.	The day received, and no later than the first Business Day after the day of deposit.
International wire (SWIFT)	Availability is subject to applicable law and your Wallet Account Agreement.	Availability is subject to applicable law and your Wallet Account Agreement.
Mobile Check Deposit	When Column accepts your submitted check image. Before 5:00 p.m. on a Business Day when Column is open: that day. At or after that time, or on a non-Business Day: the next Business Day.	Generally by the third Business Day after the day of deposit. Additional delays may apply under the Mobile Check Deposit Addendum, subject to applicable law.

Provisional ACH funds and returns

If we make an ACH debit deposit available before settlement and it does not settle or is returned unpaid, we may reverse the credit. You are responsible for any resulting negative balance.

Holds and new accounts

Subject to applicable law and network rules, we may delay availability pending settlement or to cover deposits that may be returned unpaid. Accounts open for fewer than 30 days may have limited functionality, and funds may be made available provisionally or delayed for a reasonable period. These provisions do not override applicable RTP or FedNow availability requirements.

Mobile Check Deposit terms

Only eligible check images may be deposited through this service, subject to Exhibit 3 of your Wallet Account Agreement. As stated in that Addendum, Regulation CC funds-availability requirements do not apply to the service. Paper check deposits and deposits by mail are not accepted.

For full details, see your Wallet Account Agreement and Mobile Check Deposit Addendum.

Mobile Check Deposit

Eligibility and Endorsement

Submit only genuine, unaltered checks payable to you that meet Exhibit 3 of your Wallet Account Agreement. Endorse each check with your name and "For Electronic Deposit at Column Only." Submit legible images of its front and back. The Addendum governs eligible items, excluded checks, deposit limits, original-check retention and destruction, and security requirements. A receipt acknowledgment does not establish acceptance; acceptance is confirmed through Natural.

Duplicate Deposits and Returns

Do not deposit a check more than once, submit it elsewhere after submission through Natural, or allow anyone else to do so. Keep the original securely and provide it on request; destroy it only as permitted by the Addendum. Credit is provisional. Subject to applicable law, you authorize reversal of credits for unpaid, returned, altered, or improperly endorsed checks and any disclosed applicable fees, and agree to repay a resulting negative balance.

Check Claims and Consumer Rights

Review check activity promptly and report lost, duplicate, altered, forged, or incorrectly paid checks to notices@natural.com or 1-650-550-9755. Applicable check law and the Wallet Account Agreement govern check claims and notice periods. Ordinary paper-check collection is generally excluded from Regulation E; covered electronic bill payments and electronic check conversions retain applicable consumer protections. If we provide a consumer with a substitute check in circumstances requiring a Check 21 notice, we will provide the required notice describing legal equivalence, claim procedures, deadlines, and expedited recredit rights. An electronic check image is not necessarily a substitute check.

Account Fees (Regulation DD)

Your Wallet Account may be subject to fees, including transaction, service, and other applicable charges. Fees are described in the Natural Pricing page, which is incorporated into the Wallet Account Agreement, and the Natural Services Agreement, and may be invoiced monthly and/or deducted from your Natural balance. Fees may change from time to time with advance notice, as required by law.

Consumer Reports and Credit Bureau Data (FCRA)

Consumer Credit Report

When you open, claim, or maintain your Natural Account, Natural or Column may obtain a "soft inquiry" consumer report about you (and, if you open an account for a business, about the beneficial owners and authorized representatives you identify) from at least one consumer reporting agency. A consumer credit report may include information about your credit standing, credit capacity, general character, personal characteristics, or mode of living.

Permissible Purposes

Natural obtains and uses consumer reports only for purposes permitted under the FCRA, including to:

verify your identity and prevent fraud;
evaluate if you qualify for a Wallet Account;
service your Wallet Account; and
comply with legal and regulatory requirements.

Natural and Column do not use consumer reports for marketing or for any purpose not permitted by law.

Data Security

Natural protects consumer report information with administrative, technical, and physical safeguards, limits access to personnel with a business need, and shares it only with Column, the consumer reporting agencies, service providers bound by confidentiality obligations, and regulators, or as required by law. Natural securely disposes of consumer report information when it is no longer needed.

Oversight

Natural's access to and use of consumer reports is subject to review and audit by the consumer reporting agencies, Column, and regulators.

Your Rights

Under FCRA, you have the right to annually obtain a free copy of your consumer report from a consumer reporting agency at annualcreditreport.com or by calling 1-877-322-8228. You may also dispute inaccurate or incomplete information.

Equal Credit Opportunity Act Notice (ECOA)

The Federal ECOA prohibits creditors from discriminating against applicants based on race, color, religion, national origin, sex, marital status, or age. It also prohibits discrimination because all or part of your income comes from a public assistance program or because you exercised any right in good faith under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law is the Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box 53570, Houston, TX 77052.

Consumer Account Errors and Unauthorized Transfers (Regulation E)

Claims

This section applies to electronic fund transfers covered by Regulation E to or from consumer accounts; it does not apply to commercial accounts. Covered consumer international remittance transfers have the separate rights described below. Notify Natural immediately if you suspect an error or unauthorized transfer.

Timing

If your card or other access device is lost or stolen, notify Natural immediately. If you notify us within 2 Business Days after learning of the loss or theft, your liability for unauthorized transfers involving that device will not exceed the lesser of $50 or the amount transferred before you notified us.
If you notify us more than 2 Business Days after learning of the loss or theft, your liability may be up to $500, as permitted by Regulation E, if we can show that the additional unauthorized transfers would not have occurred had you notified us within 2 Business Days.
If an unauthorized transfer appears on your statement, notify us within 60 calendar days after we send the first statement showing it, whether or not an access device was lost or stolen. If you do not, you may be responsible for unauthorized transfers occurring after that period and before you notify us, if we can show they would not have occurred with timely notice. These liability rules do not apply to ordinary transaction errors. Applicable law may extend reporting periods in extenuating circumstances.

Notification Contents

You may report an error orally or in writing. Contact us no later than 60 calendar days after we send the first statement showing the error. Please provide the following information to the extent available. We will begin investigating when your notice reasonably identifies you and the account and explains the suspected error; missing details do not by themselves prevent an investigation:

your name and associated account number;
a description of the EFT or debit/ATM card activity you claim is in error or unauthorized;
a statement explaining why you believe the specific EFT or debit/ATM card activity is in error or unauthorized; and
the dollar amount of each EFT or debit/ATM card activity you claim is in error or unauthorized.

Contact Information

To notify Natural of EFT or debit/ATM card activity you suspect is in error or unauthorized, contact us at notices@natural.com or at 1-650-550-9755.

Investigation and Provisional Credit

What happens after you contact us:

We will investigate your claim promptly.
Within 10 business days after we receive your claim (or 20 business days if the transfer occurred within 30 days after the first deposit to your account), we will either complete our investigation and inform you of the results, or provisionally credit your account for the amount you believe is in error so you have use of the funds while we continue our review.

If we provide provisional credit:

We will notify you within 2 business days after the credit is applied.
You will have full use of the provisionally credited funds during the investigation.

Investigation timeframe:

We may take up to 45 calendar days after receiving your claim to complete our investigation, except for the transactions described below.
We may take up to 90 calendar days after receiving your claim if the transfer (i) occurred within 30 days after the first deposit to your account; or (ii) resulted from a point-of-sale debit card transaction (including an online or other card-not-present debit purchase). The applicable provisional-credit and notice requirements continue to apply while we investigate.

When the investigation is complete:

We will inform you of the final result within 3 business days.
If we determine that no error occurred, we will explain our findings and may reverse any provisional credit provided.

Stopping Preauthorized Payments

To stop a recurring payment, notify Natural at notices@natural.com at least 3 business days before the next scheduled recurring payment. If you notify Natural within that time period, and we fail to stop the payment, Natural is liable for your losses or damages.

Card Returns, Reversals, and Disputes

Consumers (Disputes Covered by Regulation E)

How This Section Relates to Your Regulation E Rights

This section describes Natural's processes under card network rules and for claims that are not covered by Regulation E. If you are a consumer and your claim involves an electronic fund transfer covered by Regulation E to or from a consumer account, your rights are described in the Account Errors and Unauthorized Transfers (Regulation E) Disclosure above. Those rights apply whether or not a card network dispute (chargeback) is filed and regardless of its outcome. Natural will not require you to contact the merchant or wait for a card network decision before investigating a Regulation E claim.

Commercial (Disputes Not Covered by Regulation E)

Card Disputes

If you hold a business or commercial Natural Account, or your claim is otherwise not covered by Regulation E, notify Natural at notices@natural.com or 1-650-550-9755 within 60 business days after the disputed transaction posts. Include your name or business name, account information, the transaction date and amount, the reason for your dispute, and any supporting documents. Natural will review your claim and, where eligible, submit a dispute under the applicable card network rules. Card network rules govern dispute timeframes and outcomes, and Natural cannot guarantee a particular result.

Provisional Credit

For claims not covered by Regulation E, any provisional credit is at Natural and Column's discretion. Natural and Column may reverse a provisional credit if the dispute is resolved against you and will notify you if so.

Payment Recipients

Chargebacks on Payments You Receive

If a cardholder disputes a card payment you received through the Natural Services, we may debit the disputed amount and any applicable chargeback fee from your Wallet Account or any reserve. Natural will notify you and give you 10 calendar days to provide evidence for us to submit in response (re-presentment). If the dispute is resolved in the cardholder's favor, the chargeback debit remains in place, subject to any further rights under applicable law or card network rules. If it is resolved in your favor, we will return the disputed funds to your Wallet Account.

Chargeback Adjustments

You authorize Natural and Column to credit and debit your Wallet Account or reserve to process these chargebacks, related fees, and their resolution. If these adjustments result in a negative balance, you agree to repay it promptly. To the extent permitted by law, we may offset that balance against other funds you hold through the Natural platform. This paragraph does not govern provisional credits or adjustments for claims covered by Regulation E.

All Customers

Returns and Reversals

Merchant refunds are credited to your Natural Account when Natural receives them through the card network, generally within 5-7 business days after the merchant processes the refund. If a pending authorization is cancelled or expires, the related hold is released, generally within 2 business days. Natural does not control when a merchant issues a refund. These estimates do not extend any deadline or limit any right applicable to a claim covered by Regulation E.

Records and Status

Natural maintains records of claims and disputes handled under this section, including related reviews, fund movements, and resolutions. You may request the status of a claim or dispute by contacting notices@natural.com.

Payments to Third Parties (ACH, Wire Transfers, Real-Time Transfers, and Checks)

You, or an Authorized User or AI Agent you permit, may send payments from your Wallet Account to third parties by ACH, wire transfer, and real-time transfer through the RTP® network or the FedNow® Service, and by international wire transfer and check if enabled for your Wallet Account. Payments are processed by Column, and are governed by your Wallet Account Agreement and the Natural Services Agreement. This disclosure summarizes key terms for each payment method.

When you send an ACH payment to an account owned by someone else, you are the Originator under the Nacha Operating Rules, and Column is the originating bank. You authorize Column to process the ACH entries you submit through Natural and agree to be bound by the Nacha Operating Rules and the ACH Terms in Natural's Financial Services Terms.

General Payment Terms

Cutoff Times

All times are Pacific Time. "Business Day" has the meaning given in the Funds Availability section above. Delivery times are estimates, except where a transfer-specific disclosure provides otherwise.

Payment method	Cutoff time	When the recipient generally receives it
Standard ACH	11:00 p.m. on a Business Day	The next Business Day
Domestic wire transfer	3:45 p.m. (6:45 p.m. Eastern Time) on a Business Day	The same Business Day
Real-time payment (RTP® or FedNow®)	None; available 24 hours a day, 7 days a week	Within seconds
International wire transfer	Contact Natural for the applicable cutoff.	Within hours to several days
Check	None; checks are printed and mailed on Business Days	When delivered by mail

For ACH and wire transfers, requests received after the applicable cutoff or on a non-Business Day are generally processed on the next Business Day. RTP and FedNow payments may be processed on weekends and holidays. A payment awaiting your approval or Natural's review is not sent until approved. For methods with a cutoff, the applicable cutoff is determined when the approved request is submitted for processing. Checks are printed and mailed on Business Days.

Cancellation, Irrevocability, and Recalls

You may cancel a payment until it is submitted to Column, including while it is awaiting approval. After that:

ACH payments cannot be cancelled. A reversal may be requested only for the reasons and within the time permitted by the Nacha Operating Rules (generally, for a duplicate or erroneous payment, within 5 Business Days).
Domestic wire transfers and real-time payments are generally final and irrevocable once executed, subject to applicable law.
International wire transfers generally cannot be cancelled once sent over SWIFT. For covered consumer remittance transfers, the cancellation and refund rights below apply even after SWIFT submission.
Checks may be stopped as described under Issued Checks and Stop Payments below.

At your request, we may ask the recipient's bank to reverse or return a payment, but the recipient's bank is not required to do so. Any recovered funds, less any fees charged, will be credited to your Wallet Account when received. This paragraph does not apply to unauthorized payments, which are addressed in the Account Errors and Unauthorized Transfers (Regulation E) section above and the Security Procedures section below. If you are a consumer, these terms do not limit your rights under Regulation E for ACH and real-time payments. Qualifying wire transfers are generally excluded from Regulation E Subpart A; covered consumer international remittance transfers have the separate rights described below. Mandatory consumer refunds are not reduced by recall fees.

Limits

Natural does not set fixed transfer limits, but payments are subject to fraud and risk controls, and some payments may be held for review before they are sent (see Exhibit 2 of your Wallet Account Agreement). You may set lower limits for your Wallet Account and for each AI Agent. The payment networks limit Same Day ACH payments to $1,000,000 and real-time payments to $10,000,000, and the recipient's bank may impose lower limits.

Fees

Fees for each payment method are listed at natural.com/pricing (Exhibit 1 to your Wallet Account Agreement). The recipient's bank or an intermediary bank may charge fees that reduce the amount the recipient receives.

Additional Terms for Specific Payment Methods

Issued Checks and Stop Payments

Issued Checks. When a check is issued, the check amount is locked from your Wallet Account until the check is paid. An unpresented check may be stopped and funds refunded as described in your Wallet Account Agreement. A check more than 90 days old may be paid or dishonored under that Agreement; it is not automatically void.

Stop Payments. You may stop payment on an issued check that has not been paid, if Column receives the request with sufficient information and time to act, through your Natural Dashboard or the Natural API, as described in the Stop Payment Order section of your Wallet Account Agreement. After a stop payment takes effect, the locked funds may be held for up to 10 Business Days before they are released. A stop payment fee may apply.

International Wire Transfers through SWIFT

Instructions and Timing. International wires may be sent or received only in supported currencies and destinations using the instructions supplied through Natural. Provide accurate beneficiary name, account or IBAN, SWIFT/BIC, bank and intermediary details, and payment purpose. Where applicable law permits, banks may rely on account numbers or bank identifiers even if they differ from a supplied name. Verify instructions independently. Correspondent banks, foreign holidays, screening and requests for information can delay, reject, return, or block a transfer. The cutoff and delivery estimates above do not override the availability date or remedies in a covered consumer remittance disclosure.

Rates, Charges and Returns. Review the transfer amount, currency, fees, and any exchange rate before authorizing a wire. A conversion rate may include a markup and differ from a market rate. Intermediary or recipient-bank fees and foreign taxes may reduce proceeds, subject to required consumer disclosures. Recall or amendment requests are not guaranteed. Except where a mandatory refund applies, returned funds may differ from the original debit because of lawful disclosed charges and currency conversion. Incoming wires must follow your account's routing and currency instructions; see the International wire (SWIFT) row in Funds Availability for receipt and availability information.

Commercial Transfers. Commercial wires are governed by the Wallet Account Agreement, agreed security procedures and applicable funds-transfer law, including UCC Article 4A where applicable. Report errors or suspected unauthorized orders immediately using the contact information above. Statutory consumer remittance protections do not apply to business-purpose transfers merely because an individual initiates them.

Consumer International Remittance Transfers

Coverage and Disclosures. These rights apply to covered electronic transfers requested by an individual in the United States primarily for personal, family, or household purposes to a recipient abroad. Before payment, we will provide the required transfer-specific disclosure of amounts, fees, taxes, exchange rate if applicable, and amount to be received. The receipt will include recipient and provider information, the availability date, complaint contacts, and cancellation and error rights. Permitted estimates and warnings about noncovered fees or taxes will be identified as required. These general terms do not replace those disclosures; the full cancellation and error notice is available on request.

Cancellation. You may cancel orally or in writing within 30 minutes after payment if the recipient has not picked up the funds or received them in an account and your request identifies you and the transfer. Use the cancellation contact on your receipt or call 1-650-550-9755. A valid cancellation receives a refund of the total paid, including fees and taxes to the extent not prohibited by law, at no additional charge within three Business Days. For transfers scheduled at least three Business Days in advance, request cancellation at least three Business Days before the scheduled date. Additional scheduled or recurring-transfer disclosures and rules apply if offered.

Errors. Notify us orally or in writing at notices@natural.com or 1-650-550-9755, or contact the provider on your receipt, within 180 days after the disclosed availability date. Identify yourself, the recipient and transfer, and explain the error, including its amount, date and type to the extent possible. A later deadline may apply following requested documentation. We will investigate within 90 days and report results within three Business Days after completion. We will provide the correction required by law, generally a refund or redelivery as applicable; special rules can apply to incorrect recipient information. You may request the documents relied on. These rights do not limit other applicable consumer protections.

Security Procedures

You must submit payments through the Natural Technology using the Security Procedures described in your Wallet Account Agreement, including multi-factor authentication, API keys, and the agent credentials and Delegation Authorizations you approve. Payments submitted in compliance with the Security Procedures, including by an AI Agent with a valid Delegation Authorization, are treated as authorized by you, as described in your Wallet Account Agreement. You may revoke an AI Agent's access at any time in your Natural Dashboard. Notify Natural immediately at notices@natural.com or 1-650-550-9755 if you believe your credentials have been compromised. For covered consumer electronic fund transfers, Regulation E governs your liability as described above, regardless of compliance with the Security Procedures.

Consent

By selecting the "I Agree" box when prompted, you acknowledge that you have read and agree to this disclosure, and you authorize Column to debit your Wallet Account for each payment that you, your Authorized Users, or your AI Agents initiate, plus any applicable fees.

Privacy Notice (GLBA)

In order to use the Natural Services, you must authorize Natural to process personal data as described in the Privacy Policy and the Data Processing Agreement (DPA).

Natural Services Agreement (NSA)

In order to use the Natural Services, you must read, understand, and agree to the terms stated in the Natural Services Agreement (including the Terms of Service, Financial Services Terms, and Data Processing Agreement), which Natural may amend from time to time with notice to you.

By selecting the "I Agree" box when prompted, you acknowledge that you have read, understand, and agree to be bound by the Natural Services Agreement for the duration of your use of the Natural Services.

Authorized Use Policy (AUP)

In order to use the Natural Services, you must read, understand, and agree to Natural's Authorized Use Policy.

By selecting the "I Agree" box when prompted, you acknowledge that you have read, understand, and agree to comply with the Authorized Use Policy for the duration of your use of the Natural Services.

In order to use the Natural Services, you must read, understand, and agree to the data processing roles and obligations stated in the Data Processing Agreement.

By selecting the "I Agree" box when prompted, you acknowledge that you have read, understand, and agree to the data processing terms in the Data Processing Agreement.

Natural may send you account-related communications regarding your Natural Account via phone call, text message, or email, including via automated technology, prerecorded messages, or automatic dialing systems.

Account-related communications may include:

account notifications and service-related messages;
security or fraud alerts;
transaction approval requests;
transaction status updates;
important service updates;
payment reminders; and
customer support responses.

You understand that:

your consent is required so that Natural may service your Natural Account;
standard message and data rates apply for text messages (SMS/MMS);
message frequency may vary;
you may opt out of account-related text messages by replying "STOP", though opting out may result in Natural needing to suspend or close your Natural Account.

By selecting the "I Agree" box when prompted, you represent that you are the authorized user of the phone number you provided and consent to receiving transactional/account-related communications from Natural.

Arbitration Disclosure

The Natural Agreement contains a binding arbitration provision. By proceeding to set up your Natural Account, you agree that, to the extent law permits, any disputes between you and Natural will be resolved through individual arbitration rather than in court.

This means:

you waive your right to a jury trial;
you waive your right to participate in a class action or class arbitration; and
disputes will be resolved by a neutral arbitrator, not a judge or jury.

The arbitration provision governs arbitration procedures, rights, and costs. If you do not fully agree to the arbitration provision, you should not proceed with your application for a Natural Account.

By selecting the "I Agree" box when prompted, you represent that you have read, understand, and agree to be bound by the arbitration provision in the Natural Services Agreement.

You agree that Natural may send you marketing and promotional communications related to your Natural Account. Natural may use automated technology to send these communications.

Marketing communications may include:

new product announcements;
promotional campaigns;
collaboration opportunities; and
updates from the Natural team.