Common use of Amendment and Cancellation Clause in Contracts

Amendment and Cancellation. Except as otherwise required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel or suspend your Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Account. Your cancellation of this Agreement will not affect any of Bank’s rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platform) to the mailing address Bank has in its records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Bank Account Agreement at any time by posting the amended Bank Account Agreement at on xxxxx://xxx.xxxxxxxxx.xxx/policies/ (the Website, and any such amendment shall “Policies Page”). Such amendments or changes will be effective upon such the effective date and posting to the WebsitePolicies Page. The Agreement is also available on If you maintain your Bank Account after the Websiteeffective date of any change or amendment to the Agreement, you indicate your agreement to the change or amendment. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your the Bank Account or this Bank Account Agreement at any timetime and for any reason, at our sole discretion. You may cancel this Bank Account Agreement by contacting the Bank (please see Customer Service to close your Account. Your cancellation section of this the General Terms Agreement will not affect any of Bank’s rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platformcontact information) to the mailing address Bank has in its records. If request canceling your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Bank Account balance, will be delivered to you prior to Varo closing your Bank Account. You may withdraw consent to receive communications in electronic form by contacting us. If you withdraw consent, the noticeBank Account will be closed and a balance refund check may be issued in accordance with the terms of this Bank Account Agreement. Your termination of this Bank reserves Account Agreement will not affect any of our rights or your obligations arising under this Bank Account Agreement prior to termination. If your Bank Account has a negative balance (overdraft) for more than sixty (60) calendar days, it is subject to closure. Even if your Bank Account is suspended or closed, you are still responsible for repaying your balance and can contact us to repay your Bank Account. If your Bank Account is canceled, closed, or terminated for any reason while it has unused funds in it, we will return the right to refuse to return any unused balance amount less than $1.00to you via check sent to the mailing address we have in our records. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMWe will endeavor to mail you a refund check in fourteen (14) days . We mail such checks via USPS mail, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDwhich is subject to USPS’s delivery timeline. UPON CLOSUREIt is your obligation as a Bank Account holder to maintain an updated and accurate mailing address with us, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONfailure to do so may impact the delivery timeline of your check. If Varo cancels, closes, or terminates your Bank Account (in its sole discretion) we will send you notice, in accordance with applicable law.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Bank Account Agreement at any time by posting the amended Bank Account Agreement at the Websiteon xxxxx://xxx.xxxxxxxxx.xxx/policies/ , and any such amendment shall be effective upon such posting to the that Website. The current Bank Account Agreement is also available on the Websiteat: xxxxx://xxx.xxxxxxxxx.xxx/policies/ . You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your the Varo Bank Account or this Bank Account Agreement at any timetime and for any reason, at our sole discretion. You may cancel this Bank Account Agreement by contacting Customer Service calling 0-000-000-0000, or emailing xxxxxxx@xxxxxxxxx.xxx, from the email account that serves as your Varo username to close your the Varo Bank Account. Your cancellation You may withdraw consent to receive communications in electronic form by contacting us at 0-000-000-0000. If you withdraw consent, the Bank Account will be closed and a balance refund check may be issued in accordance with the terms of this Bank Account Agreement. Your termination of this Bank Account Agreement will not affect any of Bank’s our rights or your obligations arising under this Bank Account Agreement prior to cancellationtermination. If your the Varo Bank Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via by check (unless notified otherwise in writing by Platform) sent to the mailing address Bank has we have in its our records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing and mailing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closedthe refund check. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Varo Bank Account balance, will be in the notice. Bank reserves We reserve the right to refuse to return any unused balance amount of less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Bank Account Agreement at any time by posting the amended Bank Account Agreement at the Websiteon xxxxx://xxx.xxxxxxxxx.xxx/policies/, and any such amendment shall be effective upon such posting to the that Website. The current Bank Account Agreement is also available on the Website. at: xxxxx://xxx.xxxxxxxxx.xxx/policies/. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your the Varo Bank Account or this Bank Account Agreement at any timetime and for any reason, at our sole discretion. You may cancel this Bank Account Agreement by contacting Customer Service calling 0-000-000-0000, or emailing xxxxxxx@xxxxxxxxx.xxx , from the email account that serves as your Varo username to close your the Varo Bank Account. Your cancellation You may withdraw consent to receive communications in electronic form by contacting us at 0-000-000-0000. If you withdraw consent, the Bank Account will be closed and a balance refund check may be issued in accordance with the terms of this Bank Account Agreement. Your termination of this Bank Account Agreement will not affect any of Bank’s our rights or your obligations arising under this Bank Account Agreement prior to cancellationtermination. If your the Varo Bank Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via by check (unless notified otherwise in writing by Platform) sent to the mailing address Bank has we have in its our records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing and mailing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closedthe refund check. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Varo Bank Account balance, will be in the notice. Bank reserves We reserve the right to refuse to return any unused balance amount of less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel or suspend your Goal Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Goal Account. Your cancellation of this Agreement will not affect any of Bank’s 's rights or your obligations arising under this Agreement prior to cancellation. If your Existing Account is cancelled, closed or terminated for any reason, you will have thirty (30) calendar days to open a new account with Bank via the Goal Account services. If you do not open a new account within have thirty (30) days, your Goal will be closed. If your Goal Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platform) to the mailing address Bank has in its records. If your Goal Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or a refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Goal Account which are presented to it Bank for payment after your Goal Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Goal Account balance, will be in the notice. Bank reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except We reserve the right to change, delete or add to this Agreement and to apply any such modification to a Card and to any available balance on the Card. We will provide you notice of any such modification as otherwise required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such changes without prior notice. Bank may cancel You hereby agree to accept all legally required notices by electronic means including posting on our web site or, at our election, U.S. postal mail. You hereby acknowledge and agree that all notices or suspend your Account or modifications to this Agreement may be made by posting at any timeour web site or other notice to you and become effective on the later of ten (10) days after the date of the notice or the effective date specified in the notice unless you cancel your Card in accordance with this Section 26. You may If you use your Card after such notice or modification is provided, you are agreeing to the change. Please visit us at our Website for our current Terms and Conditions. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. If you want to cancel this Agreement by contacting the Card, please contact Customer Service to close your AccountService. Your Upon cancellation of your Card, we will continue to honor transactions you have made up until your Card cancellation is processed in accordance with this Agreement Agreement, which may take up to forty-five (45) days following the cancellation of your Card, during which regular fees will apply. Cancellation of your Card will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellation. If your Account is before the Card was cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platform) to the mailing address Bank has in its records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event of Cardholder fraud, abuse of the Platform's program is cancelled, closedCard Program privileges, or terminatedviolation of this Agreement (for example, Platform any attempt to sell or Bank will send you prior noticeexchange your Card), we, in accordance with applicable lawour sole discretion, reserve the right to cancel your participation in the Program. Specific information and instructions, including how to receive any Any funds remaining Account balance, on the Card after cancellation will be in the noticesent to you via a refund check. Bank There is no fee for this service. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONAny request for a return of funds shall be processed within a reasonable period of time after your request.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on our website at the Websitexxxxx://xxxxxxxxx.xxxxxx.xxx/docs/Jassby_Virtual_Debit_Card_Cardholder_Agreement.pdf, and any such amendment shall be effective upon such posting to the Websitethat website. The current Agreement is also available on the Websiteat xxxxx://xxxxxxxxx.xxxxxx.xxx/docs/Jassby_Virtual_Debit_Card_Cardholder_Agreement.pdf. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your Account Card or this Agreement at any time. You may cancel this Agreement by contacting Customer Service Service. Upon cancellation of your Card, we will continue to close honor transactions you have made up until your AccountCard cancellation is processed in accordance with this Agreement, which may take up to forty-five (45) days following the cancellation of your Card, during which regular fees will apply. Your cancellation termination of this Agreement will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellationtermination. If In the event that your Card Account is cancelled, closed closed, or terminated for any reason, you may request the unused balance to be returned to you via ACH transfers to one of your external accounts on Bank’s records or via a check (unless notified otherwise in writing by Platform) to the mailing address Bank has we have in its our records. If your Account There is closed prior a fee for this service. Please refer to the end paragraph of the statement cycle, any accrued interest earned for that cycle will be forfeitedthis Agreement captioned “Fee Schedule” above. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDAny request for a return of funds shall be processed within a reasonable period of time after your request. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONWe may close your Card Account and associated Card Sub-Accounts if there is no activity on the Card Account or any associated Card Sub-Account for six consecutive calendar months.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on our website at the Websitexxxxx://xxxxx.xxxxxx.xxx. You will be notified of any amendment prior to its effective date if required by law, and but otherwise any such amendment shall be effective upon such posting to the Websitethat website. The current Agreement is also available on the Websiteat xxxxx://xxxxx.xxxxxx.xxx. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your Account Card or this Agreement at any time. You may cancel this Agreement by contacting Customer Service Service. Upon cancellation of your Card, we will continue to close honor transactions you have made up until your AccountCard cancellation is processed in accordance with this Agreement, which may take up to forty-five (45) days following the cancellation of your Card, during which regular fees will apply. Your cancellation termination of this Agreement will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellationtermination. If You may cancel your Card, your Card Account, or this Agreement at any time by notifying Customer Service. Cancellation or suspension of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to such cancellation or suspension. In the event that your Card Account is cancelled, closed closed, or terminated for any reason, you may request the unused balance to be returned to you via ACH transfers to one of your external accounts on Bank’s records or via a check (unless notified otherwise in writing by Platform) to the mailing address Bank has we have in its our records. If your Account is closed prior There may be a fee for this service. Please refer to the end paragraph of the statement cycle, any accrued interest earned for that cycle will be forfeitedthis Agreement captioned “Fees” above. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank reserves We reserve the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDAny request for a return of funds shall be processed within a reasonable period of time after your request. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONWe may close your Card Account and associated Card Sub-Accounts if there is no activity on the Card Account or any associated Card Sub-Account for six consecutive calendar months.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, Website and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel or suspend your Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Account. Your cancellation of this Agreement will not affect any of Bank’s rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platform) to the mailing address Bank has in its records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it Bank for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank reserves We reserve the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel or suspend your Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Account. Your cancellation of this Agreement will not affect any of Bank’s 's rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by PlatformAndo) to the mailing address Bank has in its records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or a refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it Bank for payment after your Account is closed. In the event the PlatformAndo's program is cancelled, closed, or terminated, Platform Ando or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank reserves the right to refuse to return any unused balance amount less than $1.00. 1.00 IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMANDO OR YOUR LINKED DEPOSIT ACCOUNT, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank we may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the our Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank we may implement it without prior notice. Bank We may cancel or suspend your Savings Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service emailing xxxxxxxxxxx@xxxxxxxxxxx.xxx to close your Savings Account. Your cancellation of this Agreement will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellation. If your Savings Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platform) to the mailing address Bank has in its one of your external accounts on our records. If your Savings Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or a refund check. Allow fourteen (14) days for processing of such balance return. Bank We may refuse to honor any checks issued on your Account which are presented to it us for payment after your Account is closed. In the event the Platform's ’s program is cancelled, closed, or terminated, Platform or Bank we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank reserves We reserve the right to refuse to return any unused balance amount less than $1.00. 1.00 IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMIf you terminate your relationship with Platform, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDthe Savings Account will automatically be closed. UPON CLOSUREUpon closure, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONany remaining funds in the Savings Account per this section.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Bank Account Agreement at any time by posting the amended Bank Account Agreement at on xxxxx://xxx.xxxxxxxxx.xxx/policies/ (the Website, and any such amendment shall “Policies Page”). Such amendments or changes will be effective upon such the effective date and posting to the WebsitePolicies Page. The Agreement is also available on If you maintain your Bank Account after the Websiteeffective date of any change or amendment to the Agreement, you indicate your agreement to the change or amendment. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your the Bank Account or this Bank Account Agreement at any timetime and for any reason, at our sole discretion. You may cancel this Bank Account Agreement by contacting the Bank (please see Customer Service to close your Account. Your cancellation section of this the General Terms Agreement will not affect any of Bank’s rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platformcontact information) to the mailing address Bank has in its records. If request canceling your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Bank Account balance, will be delivered to you prior to Varo closing your Bank Account. You may withdraw consent to receive communications in electronic form by contacting us. If you withdraw consent, the Bank Account will be closed and a balance refund check may be issued in accordance with the terms of this Bank Account Agreement. Your termination of this Bank Account Agreement will not affect any of our rights or your obligations arising under this Bank Account Agreement prior to termination. If your Bank Account has a negative balance (overdraft) for more than sixty (60) calendar days, it is subject to closure. Even if your Bank Account is suspended or closed, you are still responsible for repaying your balance and can contact us to repay your Bank Account. If your Bank Account is canceled, closed, or terminated for any reason while it has unused funds in it, we will return the unused balance to you via check sent to the mailing address we have in our records. We will endeavor to place your refund check in the mail by the fourteenth (14th) day after your account is closed. You will need to allow additional time for delivery of your refund check, which will be mailed via the United States Postal Service (“USPS”). The timing of the delivery of your refund check is subject to the USPS’s delivery timeline, which is outside Varo Bank’s control. It is your obligation as a Bank Account holder to maintain an updated and accurate mailing address with us, failure to do so may impact the delivery timeline of your check. If Varo cancels, closes, or terminates your Bank Account (in its sole discretion) we will send you notice. Bank reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONin accordance with applicable law.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may (a) amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(sor (b) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel or suspend your Card Account or this Agreement at any timetime without prior notice to you, including but not limited to, the criteria for earning Miles, except as required by applicable law. You may cancel this Agreement by contacting Customer Service returning the Card (if applicable) to close your Accountus. Your cancellation termination of this Agreement will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellationtermination. If In the event your Card Account is cancelled, closed closed, or terminated for any reason, so long as you used your Card Account in accordance with the terms of this Agreement, you may request the unused funds in your balance to be returned to you via ACH transfers to one of your external accounts on Bank’s records or via a check (unless notified otherwise in writing by Platform) to the mailing address Bank has we have in its our records. If your Account There is closed prior to the end of the statement cycle, any accrued interest earned a fee for that cycle will be forfeitedthis service. For security purposesinformation about the fee, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In see the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank section labeled“Fee Schedule.”The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMIn the event that your Card Account is cancelled, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDclosed, or terminated for any reason, any accrued Miles that have not been reported to United will be forfeited, and you will no longer be able to earn Miles using your Card Account. UPON CLOSUREMiles will not be reinstated if they are forfeited for any reason. If the MileagePlus Account linked to your Card Account is closed by you or United, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.or is ineligible to receive Miles for any other reason, including without limitation for violation of the MileagePlus Rules, any accrued Miles that have not been reported to United and posted to your MileagePlus Account will be forfeited, and you will no longer be able to earn Miles using your Card Account. Miles will not be reinstated if they are forfeited for any reason. We will comply with unclaimed property laws and appropriately engage in escheatment activities as required by state law. ELECTRONIC COMMUNICATIONS If you have not consented to receiving electronic communications from us but would like to do so, please visit us online at xxx.xxxxxxxxxxxxx.xxx

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at on the Website, AnyDay Mobile Application and any such amendment shall be effective upon such posting to that application and your continued use of the Websitecard. The Amended Agreement is also will be available on at the WebsiteAnyDay Mobile Application. You will be notified of any amendment(s) change in the manner provided required by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your Account Card or this Agreement at any time. You may cancel this Agreement discontinue your use of your card at any time and may choose to discontinue your use of the services provided by contacting Customer Service to close your AccountQRails at any time (“Termination”). Your cancellation decision to discontinue use of this Agreement your card and/or the services of QRails will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellationtermination. If In the event that your Card Account is cancelled, closed closed, or terminated for any reason, you may request the unused balance to be returned to you via ACH transfers to one of your external accounts on Bank’s records or via a check (unless notified otherwise in writing by Platform) to the mailing address Bank has we have in its our records. If your Account There is closed prior to the end of the statement cycle, any accrued interest earned no fee for that cycle will be forfeitedthis service. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMAny request for a return of funds shall be processed within a reasonable period of time after your request. Overpayment We and your Employer, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSUREwhere applicable, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONreserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you, and you authorize us (a) to share information as necessary with your Employer in connection with resolving any errors or overpayments related to Payroll or other loads to the Card and (b) to the extent applicable, to accept instructions from your Employer to add or deduct funds from your Card Account and, in the case of deductions, to return those funds to your Employer.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Websitexxxxx://xxxxxx.xxx/terms/banking/cardholder-agreement/. You will be notified of any amendment prior to its effective date if required by law, and but otherwise, any such amendment shall be effective upon such posting to the Websitethat website. The current Agreement is also available on the Website. at xxxxx://xxxxxx.xxx/terms/banking/cardholder-agreement/. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your Account Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us or contacting Customer Service Service. Upon cancellation of your Card, we will continue to close honor transactions you have made up until your AccountCard cancellation is processed in accordance with this Agreement, which may take up to forty- five (45) days following the cancellation of your Card, during which regular fees will apply. Your cancellation termination of this Agreement will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellationtermination. If You may cancel your Card, your Card Account, or this Agreement at any time by notifying Customer Service by contacting us using the information provided under Section 36 (CUSTOMER SERVICE). Cancellation or suspension of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to such cancellation or suspension. In the event that your Card Account is cancelled, closed closed, or terminated for any reason, you may request the unused balance to be returned to you via ACH transfers to one of your external accounts on Bank’s records or via a check (unless notified otherwise in writing by Platform) to the mailing address Bank has we have in its our records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. The Bank reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONAny request for a return of funds shall be processed within a reasonable period of time after your request.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank Ando may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank Ando may cancel or suspend your Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Account. Your cancellation of this Agreement will not affect any of Bank’s Ando's rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by PlatformAndo) to the mailing address Bank has in its records. If your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Ando or Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the PlatformAndo's program is cancelled, closed, or terminated, Platform Ando or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank or Ando reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMANDO OR WITHDRAW YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS ABOUT YOUR ACCOUNT, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank we may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website, and any such amendment shall be effective upon such posting to the Website. The Agreement is also available on the our Website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank we may implement it without prior notice. Bank We may cancel or suspend your Savings Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service emailing xxxxxxx@xxxxxxx.xxx to close your Savings Account. Your cancellation of this Agreement will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellation. If your Savings Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platform) to the mailing address Bank has in its recordsPlatform Account. If your Savings Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be paid the following month to your Platform Account. If your Platform Account is closed before that accrued interest has been paid, the interest will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or a refund check. Allow fourteen (14) days for processing of such balance return. Bank We may refuse to honor any checks issued on your Account which are presented to it us for payment after your Account is closed. In the event the Platform's ’s program is cancelled, closed, or terminated, Platform or Bank we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank reserves We reserve the right to refuse to return any unused balance amount less than $1.00. 1.00 IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMIf you terminate your relationship with Platform, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDthe Savings Account will automatically be closed. UPON CLOSUREUpon closure, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONany remaining funds in the Savings Account will be returned to you per this section.

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Bank Account Agreement at any time by posting the amended Bank Account Agreement at on xxxxx://xxx.xxxxxxxxx.xxx/policies/ (the Website, and any such amendment shall “Policies Page”). Such amendments or changes will be effective upon such the effective date and posting to the WebsitePolicies Page. The Agreement is also available on If you maintain your Bank Account after the Websiteeffective date of any change or amendment to the Agreement, you indicate your agreement to the change or amendment. You will be notified of any amendment(s) change in the manner provided by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your the Bank Account or this Bank Account Agreement at any timetime and for any reason, at our sole discretion. You may cancel this Bank Account Agreement by contacting the Bank (please see Customer Service to close your Account. Your cancellation section of this the General Terms Agreement will not affect any of Bank’s rights or your obligations arising under this Agreement prior to cancellation. If your Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via ACH transfers to one of your external accounts on Bank’s records or via check (unless notified otherwise in writing by Platformcontact information) to the mailing address Bank has in its records. If request cancelling your Account is closed prior to the end of the statement cycle, any accrued interest earned for that cycle will be forfeited. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Bank Account balance, will be delivered to you prior to Varo closing your Bank Account. You may withdraw consent to receive communications in electronic form by contacting us. If you withdraw consent, the noticeBank Account will be closed and a balance refund check may be issued in accordance with the terms of this Bank Account Agreement. Your termination of this Bank reserves Account Agreement will not affect any of our rights or your obligations arising under this Bank Account Agreement prior to termination. If your Bank Account has a negative balance (overdraft) for more than sixty (60) calendar days, it is subject to closure. Even if your Bank Account is suspended or closed, you are still responsible for repaying your balance and can contact us to repay your Bank Account. If your Bank Account is cancelled, closed, or terminated for any reason while it has unused funds in it, we will return the right to refuse to return any unused balance amount less than $1.00to you via check sent to the mailing address we have in our records. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORM, THE ACCOUNT WILL AUTOMATICALLY BE CLOSEDIt is your obligation as a Bank Account holder to maintain an updated and accurate mailing address with us. UPON CLOSURE, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTION.We mail such checks via USPS mail. Please allow fourteen

Amendment and Cancellation. Except as otherwise required by applicable law, Bank We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at on the Website, AnyDay Mobile Application and any such amendment shall be effective upon such posting to that application and your continued use of the Websitecard. The Amended Agreement is also will be available on at the WebsiteAnyDay Mobile Application. You will be notified of any amendment(s) change in the manner provided required by applicable law prior to the effective date of the amendment(s)change. However, if the amendment(s) change is made for security purposes or your benefitpurposes, Bank may we can implement it such change without prior notice. Bank We may cancel or suspend your Account Card or this Agreement at any time. You may cancel this Agreement discontinue your use of your card at any time and may choose to discontinue your use of the services provided by contacting Customer Service to close your AccountQRails at any time (“Termination”). Your cancellation decision to discontinue use of this Agreement your card and/or the services of QRails will not affect any of Bank’s our rights or your obligations arising under this Agreement prior to cancellationtermination. If In the event that your Card Account is cancelled, closed closed, or terminated for any reason, you may request the unused balance to be returned to you via ACH transfers to one of your external accounts on Bank’s records or via a check (unless notified otherwise in writing by Platform) to the mailing address Bank has we have in its our records. If your Account There is closed prior to the end of the statement cycle, any accrued interest earned no fee for that cycle will be forfeitedthis service. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Allow fourteen (14) days for processing of such balance return. Bank may refuse to honor any checks issued on your Account which are presented to it for payment after your Account is closed. In the event the Platform's program is cancelled, closed, or terminated, Platform or Bank will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. Bank The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH PLATFORMAny request for a return of funds shall be processed within a reasonable period of time after your request. Overpayment We and your Employer, THE ACCOUNT WILL AUTOMATICALLY BE CLOSED. UPON CLOSUREwhere applicable, ANY REMAINING FUNDS IN THE ACCOUNT WILL BE RETURNED PER THIS SECTIONreserve the right to deduct funds from your Card Account in order to correct a previous error or overpayment to you, and you authorize us (a) to share information as necessary with your Employer in connection with resolving any errors or overpayments related to Payroll loads to the Card and (b) to the extent applicable, to accept instructions from your Employer to add or deduct funds from your Account and, in the case of deductions, to return those funds to your Employer.