Common use of Cash Access and Transaction Limitations Clause in Contracts

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, Plus®, Maestro®, or Allpoint® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for the Account: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 times per calendar day Up to $500.00 per day* Cash back at POS No limit to the number of times per calendar day Up to $500.00 per calendar day* Card purchase (PIN) No limit to the number of times per calendar day Up to $5,000.00 per calendar day* Card purchase (Signature) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *ATM owner-operators, merchants and participating banks may impose their own lower limits on cash withdrawals. You may use the Card to purchase or lease goods or services everywhere Visa, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the Account. Some merchants do not allow customers to conduct split transactions if the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declined. If you use the Card at an automated fuel dispenser, i.e., “pay at the pump”, the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined even though you have sufficient funds available, you should pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses. A preauthorization request places a hold on those available funds until the merchant sends us the final payment amount of the purchase. Once the final payment amount is received from the merchant, the hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for online gambling or any illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“"ATM”") or any Point-of-Sale (“"POS”") device, as permissible by a merchant, merchant that bears the Visa®, Interlink®, PlusAllpoint®, Maestro®, or Allpoint® and Interlink® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for your Account, which limits may be modified from time to time depending on prior activity both on this Account and on other transactions and also whether or not you have activated the AccountCard: Transaction Type Frequency and/or Dollar LimitsLimits Account-to-Account Transfers $1,000 per calendar day. Account-to-Account transfers may only be made to and from other MoCaFi Bank Accounts, including other Respect Bank Accounts. Transfers From Your Bank Account, Debit or Credit Card* $1,000 per calendar day $9,999 per month ATM cash withdrawal 3 Withdrawal No limits to the number of times per calendar day day. Up to $500.00 705 per calendar day** Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 705 per calendar day** Card purchase (PIN) Over The Counter "OTC" Withdrawals No limit to the number of times per calendar day Up to $5,000.00 705 per calendar day** Card purchase Purchases (SignatureSignature and PIN combined) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up * Transfers to $5,000.00 per transaction, up to $5,000.00 per calendar day another bank account you own or another debit card in your name may be made via the Connected Accounts feature in the Respect Mobile App. ** ATM owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You The aggregate amount of all cash withdrawals from ATMs, Cash Back at POS and Over the Counter Withdrawals is limited to $705 per calendar day. Consistent with applicable law, you may use the Card to purchase or lease goods or services (and/or obtain cash where permitted by the merchant) everywhere VisaDebit Mastercard® is accepted, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declineddeclined if the transaction exceeds the available balance of your Account. If you use the Card at an automated fuel dispenser, i.e., “dispenser ("pay at the pump”"), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold "hold" on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for illegal online gambling or any other illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“"ATM”") or any Point-of-Sale (“"POS”") device, as permissible by a merchant, merchant that bears the Visa®, Interlink®, PlusAllpoint®, Maestro®, or Allpoint® and Interlink® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for your Account, which limits may be modified from time to time depending on prior activity both on this account and on other transactions and also whether or not you have activated the AccountCard: Transaction Type Frequency and/or Dollar LimitsLimits Account-to-Account Transfers $1,000 per calendar day. Account-to-Account transfers may only be made to and from other MoCaFi Mobility Bank Accounts. Transfers to Your Bank Account, Debit or Credit Card* $1,000 per calendar day $9,999 per month ATM cash withdrawal 3 Withdrawal No limits to the number of times per calendar day day. Up to $500.00 705 per calendar day** Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 705 per calendar day** Card purchase (PIN) O v e r T h e C o u n t e r " O T C " Withdrawals No limit to the number of times per calendar day Up to $5,000.00 705 per calendar day** Card purchase Purchases (SignatureSignature and PIN combined) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up * Transfers to $5,000.00 per transaction, up to $5,000.00 per calendar day another bank account you own or another debit card in your name may be made via the Connected Accounts feature in our mobile app. ** ATM owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You Consistent with applicable law, you may use the Card to purchase or lease goods or services (and/or obtain cash where permitted by the merchant) everywhere VisaDebit Mastercard® is accepted, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declineddeclined if the transaction exceeds the available balance of your Account. If you use the Card at an automated fuel dispenser, i.e., “dispenser ("pay at the pump”"), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold "hold" on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60sixty(60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for illegal online gambling or any other illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, Plus®, Maestro®, or Allpoint® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for the Account: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 times per calendar day Up to $500.00 per day* Cash back at POS No limit to the number of times per calendar day Up to $500.00 per calendar day* Card purchase (PIN) No limit to the number of times per calendar day Up to $5,000.00 per calendar day* Card purchase (Signature) )** No limit to the number of times per calendar day Up to $2,500 2,500.00 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *ATM owner-operators, merchants and participating banks may impose their own lower limits on cash withdrawals. **Virtual Card transactions are considered ‘Card Purchase (Signature)’ transactions for purposes of transaction limitations. Please see Section E.4 “Virtual Cards” for more information on virtual card spend limitations. You may use the Card to purchase or lease goods or services everywhere Visa, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the Account. Some merchants do not allow customers to conduct split transactions if the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declined. If you use the Card at an automated fuel dispenser, i.e., “pay at the pump”, the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined even though you have sufficient funds available, you should pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses. A preauthorization request places a hold on those available funds until the merchant sends us the final payment amount of the purchase. Once the final payment amount is received from the merchant, the hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for online gambling or any illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, Plus®, MaestroAllpoint®, or Allpointand Maestro® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. You may use the Card at an ATM and withdraw funds at a participating bank (Over The Counter “OTC” withdrawals). ATM and OTC cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 2,000.00 maximum amount that can be spent using on the Card per calendar day. Your limits will not change if a card is reissued. You can contact us by emailing xxxxxxx@xxxxxxx.xxx or chatting with us in the Mobile App if you have any questions on your limits. These are the itemized cash access and spending limits for the your Account: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 Withdrawal No Limit to the number of times per calendar day Up to $500.00 per day* Cash back Back at POS No Limit to the number of times per day Up to $500.00 per day* Over the Counter “OTC” Withdrawals No limit to the number of times per calendar day Up to $500.00 per calendar day* Card purchase Purchases (Signature and PIN) No limit to the number of times per calendar day Up to $5,000.00 2,000.00 per calendar day* Card purchase (Signature) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *ATM owner-operators, merchants and participating banks may impose their own lower limits on cash withdrawals. You may use the Card to purchase or lease goods or services everywhere VisaVisa debit, Interlink, Plus, Allpoint, Interlink or Maestro cards Cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declined. If you use the Card at an automated fuel dispenser, i.e., dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places pre authorization will place a hold “hold” on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the pre authorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized pre authorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty fifteen (6015) days. All transactions relating to hotels may result in a hold for that amount of funds for up to fifteen (15) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit there are additional limits on the amount amount, type or number of transactions you can make with the Card, and the types of Merchants and terminals at which you can use the Card or Account. To protect the security of your Account and our systems, we may not disclose these limits or when these limits change, unless required by applicable law. The Card cannot be redeemed for cash. You may not use the Card for online gambling or any illegal transaction. Each time you use the Card Card, you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in the Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees. For additional information about negative balances on your Account, please see the sections titled “No Overdrafts” and “Right to Set Off.” You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to sixty (60) days. Please see the section titled Deposits to the Account (Excluding Mobile Check Deposits) for transaction limitations on deposits to your Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“"ATM”") or any Point-of-Sale (“"POS”") device, as permissible by a merchant, merchant that bears the VisaAllpoint®, MoneyPass®, Interlink®, Pulse, and Plus®, Maestro®, or Allpoint® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. Maximum amount allowed per ATM cash withdrawalswithdrawal transaction is $400, funds withdrawn at with a POS, and purchases are all subject to the maximum daily total of $5,000.00 maximum amount that can be spent using the Card per calendar day940. These are the itemized cash access and spending limits for your Account, which limits may be modifiedfrom time to time depending on prior activity both on this account and on other transactions and also whether or not you have activated the AccountCard: Transaction Type Frequency and/or Dollar Limits* Limits ATM cash withdrawal 3 times per calendar day Withdrawal Up to $500.00 400 per transaction and $940 per calendar day* Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 500 per calendar day* Over the Counter "OTC" Withdrawals Up to $2,000 per calendar day* Card purchase Purchases (PINSignature and PIN combined) No limit to the number of times per calendar day Up to $5,000.00 5,000 per calendar day* Card purchase (Signature) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *ATM owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You Consistent with applicable law, you may use the Card to purchase or lease goods or services everywhere (and/or obtain cash where permitted by the merchant) from any merchant who accepts Visa, Interlink, Plus, Allpoint, or Maestro ® cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declineddeclined if the transaction exceeds the available balance of your Account. If you You cannot use the your Card at an automated fuel dispenser, i.e., dispenser (“pay at the pump”, the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined even though you have sufficient funds available, ); you should pay for the your fuel purchase inside with the cashier. If you use the your Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction merchant may be preauthorized preauthorize the Transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places If your total bill plus the 20% hold exceeds the amount available on your Account your Transaction may be declined. Any preauthorized amount will result in the placement of a hold “hold” on those your available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven If we do not receive the final payment amount, the preauthorized amount on hold will remain in place for four (74) days for the hold to be removeddays. During the a hold period, you will not have access to the preauthorized amount. If you cancel a Transaction after the merchant obtains an authorization, there may be a temporary hold on your money for 7 days or longer. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) 60 days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for illegal online gambling or any other illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“"ATM”") or any Point-of-Sale (“"POS”") device, as permissible by a merchant, merchant that bears the Visa®, Interlink®, PlusAllpoint®, Maestro®, or Allpointand Interlink® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for your Account, which limits may be modified from time to time depending on prior activity both on this account and on other transactions and also whether or not you have activated the AccountCard: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 times Limits Account-to-Account Transfers $1,000 per calendar day. Account-to-Account transfers may only be made to and from other MoCaFi Mobility Bank Accounts. Transfers to Your Bank Account, Debit or Credit Card* $1,000 per day $9,999 per month ATM Withdrawal No limits to the number of timers per calendar day. Up to $500.00 705 per calendar day** Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 705 per calendar day** Card purchase (PIN) Over The Counter "OTC" Withdrawals No limit to the number of times per calendar day Up to $5,000.00 705 per calendar day** Card purchase Purchases (SignatureSignature and PIN combined) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up * Transfers to $5,000.00 per transaction, up to $5,000.00 per calendar day another bank account you own or another debit card in your name may be made via the Connected Accounts feature in our mobile app. ** ATM owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You Consistent with applicable law, you may use the Card to purchase or lease goods or services (and/or obtain cash where permitted by the merchant) everywhere VisaDebit Mastercard® is accepted, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declineddeclined if the transaction exceeds the available balance of your Account. If you use the Card at an automated fuel dispenser, i.e., “dispenser ("pay at the pump”"), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold "hold" on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) 7 days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) 60 days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for illegal online gambling or any other illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, Plus®, Maestro®, or Allpoint® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for the Account: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 times per calendar day Up to $500.00 per day* Cash back at POS No limit to the number of times per calendar day Up to $500.00 per calendar day* Card purchase (PIN) No limit to the number of times per calendar day Up to $5,000.00 per calendar day* Card purchase (Signature) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *ATM owner-operators, merchants and participating banks may impose their own lower limits on cash withdrawals. You may use the Card to purchase or lease goods or services everywhere Visa, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the Account. Some merchants do not allow customers to conduct split transactions if the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declined. If you use the Card at an automated fuel dispenser, i.e., “pay at the pump”, the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined even though you have sufficient funds available, you should pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses. A preauthorization request places a hold on those available funds until the merchant sends us the final payment amount of the purchase. Once the final payment amount is received from the merchant, the hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for online gambling or any illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“"ATM”") or any Point-of-Sale (“"POS”") device, as permissible by a merchant, merchant that bears the Visa®, Interlink®, PlusAllpoint®, Maestro®, or Allpoint® and Interlink® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for your Account, which limits may be modified from time to time depending on prior activity both on this account and on other transactions and also whether or not you have activated the AccountCard: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 times Limits Account-to-Account Transfers $1,000 per calendar day. Account-to-Account transfers may only be made to and from other MoCaFi Mobility Bank Accounts. Transfers to Your Bank Account, Debit or Credit Card* $1,000 per day $9,999 per month ATM Withdrawal No limits to the number of timers per calendar day. Up to $500.00 705 per calendar day** Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 705 per calendar day** Card purchase (PIN) Over The Counter "OTC" Withdrawals No limit to the number of times per calendar day Up to $5,000.00 705 per calendar day** Card purchase Purchases (SignatureSignature and PIN combined) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up * Transfers to $5,000.00 per transaction, up to $5,000.00 per calendar day another bank account you own or another debit card in your name may be made via the Connected Accounts feature in our mobile app. ** ATM owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You Consistent with applicable law, you may use the Card to purchase or lease goods or services (and/or obtain cash where permitted by the merchant) everywhere VisaDebit Mastercard® is accepted, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declineddeclined if the transaction exceeds the available balance of your Account. If you use the Card at an automated fuel dispenser, i.e., “dispenser ("pay at the pump”"), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold "hold" on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60sixty(60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for illegal online gambling or any other illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Current Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, Plus®, MaestroAllpoint®, or Allpointand Maestro® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. You may use the Card at an ATM and withdraw funds at a participating bank (Over The Counter “OTC” withdrawals). ATM and OTC cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 2,000.00 maximum amount that can be spent using on the Card per calendar day. Your limits will not change if a card is reissued. You can contact us by emailing xxxxxxx@xxxxxxx.xxx or chatting with us in the Mobile App if you have any questions on your limits. These are the itemized cash access and spending limits for the your Current Account: Transaction Type Frequency and/or Dollar Limits* ATM cash withdrawal 3 Withdrawal No Limit to the number of times per calendar day Up to $500.00 per day* Cash back Back at POS No Limit to the number of times per day Up to $500.00 per day* Over the Counter “OTC” Withdrawals No limit to the number of times per calendar day Up to $500.00 per calendar day* Card purchase Purchases (Signature and PIN) No limit to the number of times per calendar day Up to $5,000.00 2,000.00 per calendar day* Card purchase (Signature) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *ATM owner-operators, merchants and participating banks may impose their own lower limits on cash withdrawals. You may use the Card to purchase or lease goods or services everywhere VisaVisa debit, Interlink, Plus, Allpoint, Interlink or Maestro cards Cards are accepted as long as you do not exceed the available balance of the your Current Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Current Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declined. If you use the Card at an automated fuel dispenser, i.e., dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold “hold” on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty fifteen (6015) days. All transactions relating to hotels may result in a hold for that amount of funds for up to fifteen (15) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit there are additional limits on the amount amount, type or number of transactions you can make with the Card, and the types of Merchants and terminals at which you can use the Card or Current Account. To protect the security of your Current Account and our systems, we may not disclose these limits or when these limits change, unless required by applicable law. The Card cannot be redeemed for cash. You may not use the Card for online gambling or any illegal transaction. Each time you use the Card Card, you authorize us to reduce the value available in the Current Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Current Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in the Current Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees. For additional information about negative balances on your Current Account, please see the sections titled “No Overdrafts” and “Right to Set Off.” You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to sixty (60) days. Please see the section titled Deposits to the Account (Excluding Mobile Check Deposits) for transaction limitations on deposits to your Current Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“"ATM”") or any Point-of-Sale (“"POS”") device, as permissible by a merchant, merchant that bears the Visa®, Interlink®, PlusAllpoint®, Maestro®, or Allpoint® and Interlink® Acceptance Mark(s). All ATM transactions are treated as cash withdrawal transactions. ATM cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $5,000.00 maximum amount that can be spent using the Card per calendar day. These are the itemized cash access and spending limits for your Account, which limits may be modified from time to time depending on prior activity both on this Account and on other transactions and also whether or not you have activated the AccountCard: Transaction Type Frequency and/or Dollar LimitsLimits Account-to-Account Transfers $1,000 per calendar day. Account-to-Account transfers may only be made to and from other MoCaFi Demand Deposit Accounts, including other Angeleno Connect MoCaFi Mobility Bank Accounts. Transfers to Your Bank Account, Debit or Credit Card* $1,000 per calendar day $9,999 per month ATM cash withdrawal 3 Withdrawal No limits to the number of times per calendar day day. Up to $500.00 705 per calendar day** Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 705 per calendar day** Card purchase (PIN) Over The Counter "OTC" Withdrawals No limit to the number of times per calendar day Up to $5,000.00 705 per calendar day** Card purchase Purchases (SignatureSignature and PIN combined) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up * Transfers to $5,000.00 per transaction, up to $5,000.00 per calendar day another bank account you own or another debit card in your name may be made via the Connected Accounts feature in the Angeleno Connect Debit Card App. ** ATM owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You The aggregate amount of all cash withdrawals from ATMs, Cash Back at POS and Over the Counter Withdrawals is limited to $705 per calendar day. Consistent with applicable law, you may use the Card to purchase or lease goods or services (and/or obtain cash where permitted by the merchant) everywhere VisaDebit Mastercard® is accepted, Interlink, Plus, Allpoint, or Maestro cards are accepted as long as you do not exceed the available balance of the your Account. Some merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declineddeclined if the transaction exceeds the available balance of your Account. If you use the Card at an automated fuel dispenser, i.e., “dispenser ("pay at the pump”"), the transaction may be preauthorized for an amount up to $100.00 75.00 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold "hold" on those available funds until the merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for illegal online gambling or any other illegal transaction. Each time you use the Card you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account.

Cash Access and Transaction Limitations. With your PIN, you may use the Card to obtain cash from the your Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchantMerchant, that bears the Visa®, Interlink®, Plus®, Maestro®, or Allpoint® Acceptance Mark(s)Marks. All ATM transactions are treated as cash withdrawal transactions. You may also obtain your Account balance through certain ATMs. A fee may be assessed by the ATM cash withdrawals, funds owner for any ATM withdrawal or balance inquiry. ● The maximum cumulative amount that may be withdrawn at from your Account through ATM transactions per day is $1,500. ● The maximum cumulative amount that may be withdrawn from a POS, and purchases are all POS device per day will be subject to the $5,000.00 maximum amount that can be spent using on your Card per day. ● You may use the Card to withdraw funds at any bank which accepts Visa debit cards via an Over The Counter (“OTC”) withdrawal. The maximum cumulative amount that may be withdrawn via OTC is $5,000 per calendar day. ● The maximum cumulative amount that may be spent on your Card through signature and PIN POS purchases is $5,000 per day. These are the itemized cash access and spending limits for the your Account: N26 ACCOUNTS Transaction Type Frequency and/or Dollar Limits* Limits ATM cash withdrawal 3 Withdrawal No limit to the number of times per calendar day Up to $500.00 1,500 per day* Cash back Back at POS No limit to the number of times per calendar day Up to $500.00 5,000 per calendar day* OTC Withdrawals No limit to the number of times per day Up to $5,000 per day* Card purchase Purchases (Signature and PIN) No limit to the number of times per calendar day Up to $5,000.00 5,000 per day* *Daily limits refer to a 24-hour calendar day* Card purchase (Signature) No limit to the number of times per calendar day Up to $2,500 per calendar day Bill Pay Up to $5,000.00 per transaction, up to $5,000.00 per calendar day *. ATM and POS device owner-operators, merchants Merchants and participating banks may impose their own fees and lower limits on cash withdrawals. You may use the Card to purchase or lease goods or services everywhere VisaVisa debit cards, Interlink, Plus, Allpoint, Plus cards or Maestro cards are accepted accepted, as long as you do not exceed the available balance of the your Account. Some merchants Merchants do not allow customers to conduct split transactions if where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If Some Merchants may place a hold on funds in your Account in excess of the amount of the purchase. However, if you wish to conduct a split transaction and it is permitted by the merchantMerchant, you must tell the merchant Merchant to charge an amount only up to the exact amount of the purchase against the funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants Merchants may require payment for the remaining balance in cash. If you fail to inform the merchant Merchant that you would like to complete a split transaction prior to swiping or dipping the Card, the Card is likely to be declined. If you use the Card at an automated fuel dispenser, i.e., dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 100 or more. If the Card is declined declined, even though you have sufficient funds available, you should pay for the your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rentalrental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expensesexpenses incurred. A preauthorization request places will place a hold “hold” on those available funds until the merchant Merchant sends us the final payment amount of the your purchase. Once the final payment amount is received from the merchantreceived, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for any illegal online gambling or any other illegal transaction. Each time you use the Card Card, you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in the Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.