Common use of Linking External Accounts Clause in Contracts

Linking External Accounts. You or an Authorized User may link your Secured Account or a Sub- Account to an external personal (not a business or commercial account) bank account 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”). You or the Authorized User can use your 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, or disconnect any Linked External Account. We may charge a fee for transfers from a Linked External Account to 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, a fee may be imposed on such transfer as described in the Fee Schedule. You can find the Minimum Funding Amount and fee for transfers that do not meet the threshold in our FAQs at ▇▇▇▇▇://▇▇▇▇.▇▇▇/faq or within the Step App (under “Account Limits” in the “Account Information” section).

Linking External Accounts. You or an Authorized User If enabled by Platform for your Deposit Account, you may link your Secured Deposit Account with us or a Sub- Account to an external personal (not account at a business or commercial account) bank account you or the Authorized User has with another third-party financial institution in the U.S. or a U.S. territory where we offer the Step Account (a “Linked External Account”). You or the Authorized User can use ) for online transfers between your respective Deposit Account(s) and your Linked External Accounts 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 transfer money to or from your Secured Account or, in external account 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 transactionsnext business day. We may also permit verify your control of the external account by requiring you to use a submit proof of ownership of the external account(s). All Linked External Account you own to make payments on any Step Card (or Accounts must be with financial institutions in the case United States. We may decline the use of an Authorized Userany external account that we believe may present a risk to you and/or us. By linking your external account to your Deposit Account, a Step Card they are authorized to use), in our sole discretion. Any request to establish a and by subsequently logging into your Linked External Account is subject to our verification and approval. In order to link a Linked External Account to your Step AccountAccount(s) through the Platform App, you or the Authorized User may be required authorize us to provide certain information about 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 service provider or its successorPrivacy Policy. When adding an external account, you represent and warrant that you are the owner of, and may be required have the right to accept access, use and authorize us to use, the service provider’s additional terms external account for information and conditions in order to use this featurefunds transfer purposes. In our discretion, we may limit the number If any of your Linked External Accounts linked 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 Step Account at one time, block use of the linking service if we are notified of such a situation. If you close any transactions requested with of your Linked External AccountAccounts, or disconnect any Linked External Account. We may charge a fee you are responsible for transfers from a removing it as Linked External Account eligible for the linking service to your Step Account that do avoid any transaction failure and possible charges related to a failed transaction. We are not meet a certain dollar threshold (“Minimum Funding Amount”). For responsible for any transfer that does not meet acts or exceed the Minimum Funding Amount, a fee may be imposed on such transfer as described in the Fee Schedule. You can find the Minimum Funding Amount and fee for transfers that do not meet the threshold in our FAQs at ▇▇▇▇▇://▇▇▇▇.▇▇▇/faq or within the Step App (under “Account Limits” in the “Account Information” section).omissions by the