Common use of Linking External Accounts Clause in Contracts

Linking External Accounts. If enabled by Platform for your Deposit Account, you may link your Deposit Account with us or an external account at a third-party financial institution (“Linked External Account”) for online transfers between your Deposit Account(s) and your Linked External Account. If enabled by Platform for your Deposit Account, you may link an account with your Deposit Account by (i) logging into your financial institution on the Platform App, or (ii) by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All Linked External Accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your Deposit Account, and by subsequently logging into your Linked External Account(s) through the Platform App, you authorize us to view your Linked External Account history and profile, including, but not limited to, your Linked External Account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant that you are the owner of, and have the right to access, use and authorize us to use, the external account for information and funds transfer purposes. If any of your Linked External Accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the Linked External Account with the Platform services. If you do not have such consent, you should not use that external account and we will terminate your use of the linking service if we are notified of such a situation. If you close any of your Linked External Accounts, you are responsible for removing it as Linked External Account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the

Linking External Accounts. If enabled by Platform for your Deposit Account, you may link your Deposit Account with us or an external account at a third-party financial institution (“Linked External Account”) for online transfers between your Deposit Account(s) and your Linked External Account. If enabled by Platform for your Deposit Account, you may link an account with your Deposit Account by (i) logging into your financial institution on the Platform App, or (ii) by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All Linked External Accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your Deposit Account, and by subsequently logging into your Linked External Account(s) through the Platform App, you authorize us to view your Linked External Account history and profile, including, but not limited to, your Linked External Account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant that you are the owner of, and have the right to access, use and authorize us to use, the external account for information and funds transfer purposes. If any of your Linked External Accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the Linked External Account with the Platform services. If you do not have such consent, you should not use that external account and we will terminate your use of the linking service if we are notified of such a situation. If you close any of your Linked External Accounts, you are responsible for removing it as Linked External Account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by thethe external financial institution or other provider of any Linked External Account, including, without limitation, any modification, interruption, or discontinuance of any Linked External Account by such financial institution, service provider or Platform. In our discretion, we may limit the number of Linked External Accounts linked to your Deposit Account at any single time, block any transactions requested between your Deposit Account and Linked External Account, or terminate the link to the Linked External Account. In order to link a Linked External Account to your Deposit Account, you may be required to provide certain information about your

Linking External Accounts. If enabled by Platform for your Deposit Account, you You or an Authorized User may link your Deposit Secured Account with us or a Sub- Account to an external personal (not a business or commercial account) bank account at a third-party you or the Authorized User has with another financial institution in the U.S. or a U.S. territory where we offer the Step Account (a “Linked External Account”) for online transfers between ). You or the Authorized User can use your Deposit Account(s) respective Linked External Accounts to transfer money to or from your Secured Account or, in the case of an Authorized User, the Sub-Account they are authorized to use. You may only use a Linked External Account that you own and link to the Step Account to make these transactions. We may also permit you to use a Linked External Account you own to make payments on any Step Card (or in the case of an Authorized User, a Step Card they are authorized to use), in our sole discretion. Any request to establish a Linked External Account is subject to our verification and approval. In order to link a Linked External Account to your Step Account, you or the Authorized User may be required to provide certain information about your Linked External Account to our service provider or its successor, and may be required to accept the service provider’s additional terms and conditions in order to use this feature. In our discretion, we may limit the number of Linked External Accounts linked to your Step Account at one time, block any transactions requested with your Linked External Account. If enabled by Platform for your Deposit Account, you may link an account with your Deposit Account by (i) logging into your financial institution on the Platform App, or (ii) by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business daydisconnect any Linked External Account. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All Linked External Accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present charge a risk to you and/or us. By linking your external account to your Deposit Account, and by subsequently logging into your Linked External Account(s) through the Platform App, you authorize us to view your fee for transfers from a Linked External Account history and profileto your Step Account that do not meet a certain dollar threshold (“Minimum Funding Amount”). For any transfer that does not meet or exceed the Minimum Funding Amount, including, but not limited to, your Linked External Account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information a fee may be used to transact imposed on your behalf such transfer as described in the Fee Schedule. You can find the Minimum Funding Amount and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant fee for transfers that you are the owner of, and have the right to access, use and authorize us to use, the external account for information and funds transfer purposes. If any of your Linked External Accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the Linked External Account with the Platform services. If you do not have such consent, you should not use that external account and we will terminate your use of meet the linking service if we are notified of such a situation. If you close any of your Linked External Accounts, you are responsible for removing it as Linked External threshold in our FAQs at xxxxx://xxxx.xxx/faq or within the Step App (under “Account eligible for Limits” in the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the“Account Information” section).

Linking External Accounts. If enabled by Platform for your Deposit Account, you may link your Deposit Account with us or an external account at a third-party financial institution (“Linked External Account”) for online transfers between your Deposit Account(s) and your Linked External Account. If enabled by Platform for your Deposit Account, you may link an account with your Deposit Account by by: (i) logging into your financial institution on the Platform App, or (ii) by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All Linked External Accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your Deposit Account, and by subsequently logging into your Linked External Account(s) through the Platform App, you authorize us to view your Linked External Account history and profile, including, but not limited to, your Linked External Account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant that you are the owner of, and have the right to access, use and authorize us to use, use the external account for information and funds transfer purposes. If any of your Linked External Accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the Linked External Account with the Platform services. If you do not have such consent, you should not use that external account and we will terminate your use of the linking service if we are notified of such a situation. If you close any of your Linked External Accounts, you are responsible for removing it as Linked External Account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by thethe external financial institution or other provider of any Linked External Account, including, without limitation, any modification, interruption, or discontinuance of any Linked External Account by such financial institution, service provider or Platform. In our discretion, we may limit the number of Linked External Accounts linked to your Deposit Account at any single time, block any transactions requested between your Deposit Account and Linked External Account, or terminate the link to the Linked External Account. In order to link a Linked External Account to your Deposit Account, you may be required to provide certain information about your Linked External Account to our service provider, Plaid, or its successor, and may be required to accept such service provider’s additional terms and conditions in order to use this feature.

Linking External Accounts. If enabled by Platform for your Deposit Savings Account, we may enable you may to link your Deposit Account an account with us Bank or an external account at a third-third party financial institution (“Linked External Account”) to for online transfers Online Transfers between your Deposit Account(slinked account(s) and your Linked External Savings Account. If enabled by Platform for your Deposit AccountPlatform, you may link an account your account(s) with your Deposit Savings Account for Online Transfers by (i) logging into your financial institution on the Platform Platform’s Website or Mobile App, or (ii) by providing the account and routing details for the external such account and verifying the two (2) micro deposits we send to your external linked account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All Linked External Accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your Deposit Platform Account, and by subsequently logging into your Linked External Account(sexternal account(s) through the Platform Website or Mobile App, you authorize us to view your Linked External Account account history and profile, including, but not limited to, your Linked External Account account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and . By logging into your external account, you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant that you are the owner of, and have the right to access, use and authorize us to use, the external account for information and funds transfer purposes. If any of your Linked External Accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the Linked External Account with the Platform services. If you do not have such consent, you should not use that external account and we will terminate your use of the linking service if we are notified of such a situation. If you close any of your Linked External Accounts, you are responsible for removing it as Linked External Account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transactionprivacy policy. We are not responsible for any acts or omissions by thethe external financial institution or other provider of any aggregated external bank account, including, without limitation, any modification, interruption, or discontinuance of any aggregated external bank account by such financial institution, service provider or Platform Website and Mobile App. Federal regulations limit the number of Online Transfers from the Savings Account to six (6) per statement cycle. Any transfers initiated from the Savings Account to an external linked account after the sixth transfer via the Website or Mobile App will be blocked until the start of the next statement cycle. At the beginning of the next statement cycle, access to transfer from the Savings Account will be restored to six (6) for that cycle. If enabled by Platform for your Savings Account, your Savings Account number and bank routing number may be used for the purpose of initiating direct deposits to your Savings Account. The recipient's name on any direct deposit(s) we receive must match the name of the Platform accountholder. Any direct deposits received in a name other than the name registered to the Savings Account will be returned to the originator. IMPORTANT: If your Savings Account number changes, you must immediately notify the depositor of funds. You must provide them with the new Account number to ensure that the funds are properly credited to your Savings Account.