GREENLIGHT® PREPAID MASTERCARD CARDHOLDER AGREEMENT

COMMUNITY FEDERAL SAVINGS BANK

GREENLIGHT® PREPAID MASTERCARD

CARDHOLDER AGREEMENT

Effective: September 8, 2026

This Agreement contains an Arbitration Clause that limits your right to go to court, including your right to a jury trial. Please carefully review the terms of this Cardholder Agreement (“Agreement”) for details.

This Agreement is a separate agreement between you and Community Federal Savings Bank, Member FDIC ("CFSB," "Bank," "Issuer," "we," "our," or "us") governing the Greenlight® Prepaid Mastercard ("Card") and the associated Card Account. This Agreement, together with applicable fee disclosures, privacy notices, amendments, and other disclosures and materials provided in connection with the Card program, governs your relationship with CFSB. This Agreement does not incorporate, and is not incorporated into, the Greenlight Service Agreement which governs the subscription services provided separately by Greenlight Financial Technology, Inc. ("Greenlight" or “Servicer”). Greenlight is not a party to this Agreement and has no obligations to you under it, except to the extent Greenlight acts as CFSB's program manager and service provider as described below.

Greenlight serves as CFSB's program manager and service provider solely in connection with the Card program and is responsible for managing and servicing your Card and Card Account on CFSB’s behalf. In that capacity, Servicer is a third-party service provider to us, and may act on our behalf as agreed between CFSB and Servicer, including but not limited to providing you with technology, customer service, related support in connection with the Card program and may perform certain of our obligations or enforce certain of our rights under this Agreement.

References in this Agreement to actions taken "by us," "by CFSB," or the "Bank" may, where the context permits, be performed by Greenlight acting as CFSB's authorized third party service provider. However, CFSB remains the issuer of the Card and the financial institution responsible for the Card Account and the funds underlying the Card Account.

If you have any questions or need help with this Agreement, your Card or Card Transactions, you may contact us through Servicer via the Greenlight mobile app or by sending an email to support@greenlight.com or by calling toll-free number on the back of your card 1-888-483-2645.

IMPORTANT - PLEASE READ THIS AGREEMENT CAREFULLY AND ENSURE THAT YOU UNDERSTAND EACH PROVISION. THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION (SEE SECTION 18) (THE “ARBITRATION CLAUSE”) THAT REQUIRES THAT ALL CLAIMS BE RESOLVED BY WAY OF BINDING ARBITRATION AND WAIVING A RIGHT TO TRIAL BY JURY AND TO PARTICIPATE IN COURT OR CLASS ACTIONS, WHERE PERMITTED BY LAW. IF YOU DO NOT AGREE TO THE TERMS OF THE ARBITRATION CLAUSE, DO NOT APPLY FOR AND/OR USE THE CARD.

1. DEFINITIONS

For purposes of this Agreement, the following terms have the meanings set forth below. Defined terms used in the singular include the plural and vice versa, and references to any statute or regulation include any successor statute or regulation as amended from time to time.

1. “Applicable Law” means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under this Agreement.

2. "Application" means the Greenlight software program application accessed from a mobile phone, tablet, via our website or any other electronic devices which connects to the internet.

3. “Authorized Approver” means a designee of the Primary Accountholder, typically a spouse, partner, or close family relative, who has been granted rights and responsibilities with respect to the Card Account, including the ability to link a Funding Account and, where authorized, initiate loads.

4. “Business Day” means Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

5. “Card Account” means the records CFSB maintains to account for the value of funds associated with your Card, the Card Transactions made with the Card or any other service offered under this Agreement.

6. “Card Network” means Mastercard®, Mastercard International Incorporated, and their respective affiliates, and any other similar payment card network or scheme.

7. “Funding Account” means the Primary Accountholder’s or Authorized Approver’s account at a third-party financial institution or licensed money transmitter used to load the Primary Account.

8. “Know Your Customer” or “KYC” means the identity verification and customer due diligence procedures CFSB may require in connection with opening, maintaining, or servicing a Card Account.

9. “Primary Account” means the Primary Accountholder’s Card Account.

10. “Primary Accountholder” means the individual who opens and is responsible for the Primary Account, any Secondary Account(s), and any Supported Adult Account(s).

11. “Post”, “Posted”, “Posting” means that the load amount has been applied to your Card Account balance by us and is available for use, subject to holds or limits under the terms of this Agreement.

12. “Secondary Account” means a Card Account that is a sub-account of the Primary Account, established by the Primary Accountholder, used to identify, monitor, and approve Card transactions by a Secondary Cardholder, and to manage separate purses (such as spend, save, give, and earn purses) for that Secondary Cardholder.

13. “Secondary Cardholder” means a child or other individual for whom the Primary Accountholder serves as parent, legal guardian, custodian, or trustee, and who has been issued a Card linked to a Secondary Account.

Secondary Cardholders Who Are Minors. If you establish a Secondary Account for a minor, you acknowledge and agree that you are establishing the Secondary Account on the minor’s behalf. You are responsible for supervising the Secondary Cardholder’s use of the Card and remain responsible for all obligations arising from activity on the Secondary Account, except as otherwise provided by applicable law or this Agreement.

1. “Supported Adult Cardholder” means an adult individual, other than the Primary Accountholder, who has been issued a Card linked to a Supported Adult Account, typically in connection with a caregiving, guardianship, conservatorship, or power-of-attorney relationship with the Primary Accountholder.

2. “You” and “your” mean the person or persons who have received the Card and are authorized to use it under this Agreement, including the Primary Accountholder, Secondary Cardholders and Supported Adult Cardholders, unless otherwise specified.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT

TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY-LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES ALL FINANCIAL INSTITUTIONS TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO APPLIES TO OBTAIN A CARD AND CARD ACCOUNT. THIS PROCESS MAY BE CARRIED OUT BY US OR OUR SERVICER IN ACCORDANCE WITH APPLICABLE LAW AND OUR POLICIES

WHAT THIS MEANS FOR YOU: WHEN YOU REQUEST A CARD AND CARD ACCOUNT, WE OR OUR AUTHORIZED SERVICER MAY ASK FOR YOUR NAME, STREET ADDRESS, DATE OF BIRTH, SOCIAL SECURITY NUMBER (”SSN”) OR INDIVIDUAL TAX IDENTIFICATION NUMBER (“ITIN”), AND OTHER INFORMATION THAT WILL ALLOW US TO IDENTIFY YOU. WE MAY ALSO ASK TO SEE A COPY OF YOUR DRIVER'S LICENSE OR OTHER IDENTIFYING DOCUMENTS AT ANY TIME. CFSB RESERVES THE RIGHT TO CLOSE, SUSPEND OR LIMIT ACCESS TO YOUR CARD AND CARD ACCOUNT IN THE EVENT WE ARE UNABLE TO OBTAIN OR VERIFY THIS INFORMATION.

2. IDENTITY VERIFICATION AND KNOW YOUR CUSTOMER (“KYC”)

2.1 Identity Verification Required for Card Enrollment

Enrollment in a Card requires completion of identity verification (KYC) as required by federal law and CFSB's account opening procedures. By applying for a Card, you authorize CFSB, and Servicer, to collect and verify your identity information.

2.2 Additional Customer Verification Requirements

In addition to the Primary Accountholder, CFSB reserves the right to require identity verification from Authorized Approvers, Secondary Cardholders, and Supported Adult Cardholders. Circumstances that will typically trigger additional verification include: (i) a Secondary Cardholder turns eighteen (18) years of age; (ii) an Authorized Approver links a Funding Account; and (iii) a Card is issued to a Supported Adult Cardholder.

Where a Primary Accountholder relies on a power of attorney, guardianship, conservatorship, or other legal authority to act on behalf of a Supported Adult Cardholder, the applicable party must provide CFSB with official documentation verifying that legal authority.

2.3 Relationship to Your Greenlight Subscription

If you are also a Greenlight subscription customer, opening a Card Account with CFSB creates a separate banking relationship between you and CFSB, distinct from your subscription relationship with Greenlight. Information you previously provided to Greenlight as a subscription-only customer will be shared with CFSB at the time you apply for a Card, as necessary for CFSB to complete KYC and open your Card Account, and only at that time. See Section 16 (Privacy and Data Sharing) for more information about how your information is shared and used.

3. DESCRIPTION OF YOUR CARD ACCOUNT(S)

3.1 General Provisions

Your Card Account is intended for personal, family or household use only, and is not intended for business use. We may close the Card Account and terminate use of the Card if we determine that it is being used for business or prohibited purposes, including unlawful or restricted activities. We may refuse to process any Card transactions that we believe may violate the terms of this Agreement, Applicable Law or our policies.

Your Card Account is not a checking or savings account.

Use of the Card Account and Card are subject to all applicable rules and customs of any payment network (including the Card Network) involved in the Card transactions.

3.2 Card Account

The Card Account is a prepaid account established for you at CFSB, and holds funds loaded or deposited by you or persons on your behalf. The funds associated with your Card Account are held in a pooled deposit account at CFSB or at a Network Bank as further described in Section 3.9 (FDIC Insurance on Card Account Only), and your funds in this pooled deposit account may be combined with the funds of other Greenlight cardholders.

The funds in your Card Account will not expire, regardless of the expiration date on your Card. We will issue you a replacement Card before the expiration date at no cost, unless otherwise disclosed.

The Card Account is a non-interest bearing account, meaning no interest will be paid to you for the funds that you load, otherwise receive, or maintain on the Card or in the Card Account. Servicer may separately offer rewards, savings incentives, cash back, or similar promotional payments in connection with your Greenlight subscription, including any program marketed as a “Savings Reward,” “Cash Back to Savings,” or “Parent Paid Interest.” Any such payment is made by Servicer and not by CFSB, is not interest, is not a deposit or obligation of CFSB, is not FDIC-insured, and is governed exclusively by the terms of the applicable Greenlight program.

We reserve the right to impose limits on the maximum amount you can maintain in, or transact with, your Card Account and may change such limits at any time for security, risk or other reasons. You will be notified in advance of any changes if required by Applicable Law. Please see Section 12.2 for current maximum balance and transaction limitations.

You will be able to use Greenlight’s mobile application (the “Mobile App”) or Greenlight’s website (the “Website”) at https://greenlight.com to view the available balance in your Card Account, which is the total amount of funds on your Card and in your Card Account. Funds associated with your Card Account that are in transit and have not yet settled with us may not be available for withdrawal until the funds settle with us.

3.3 Card

Your Card is a prepaid card, which allows you to access funds loaded or deposited on your Card Account by you or on your behalf. Your Card is not a debit card, charge card or credit card. Your Card is not a gift card, nor is it intended for gifting purposes.

The Card remains the property of CFSB and must be surrendered upon demand. The Card is non-transferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to Applicable Law. You can use the Card at any location that displays the Card Network’s acceptance mark, including shops, restaurants, online or on the telephone, subject to the limits set forth in this Agreement. Your virtual Card can only be used where a physical card is not required, for example transactions made online or on the telephone. We reserve the right to cancel or suspend your Card at any time for any reason. You acknowledge and agree that the value available to spend with your Card is limited to the funds loaded and stored on your Card Account and subject to any transaction limits set forth in this Agreement.

3.4 Card Account Eligibility

The Card Account is available to consumers who: (i) are United States (“U.S.”) citizens or lawful residents (including the fifty United States and the District of Columbia); (ii) are at least eighteen (18) years of age; (iii) have provided us with a valid SSN or ITIN; and, (iv) successfully complete our identity verification procedures, including verification of name, date of birth, current address, SSN or ITIN, along with any other information required to verify your identity in accordance with Applicable Law and our policies.

Applicants may not appear on any U.S. government sanctions or watch lists, including those administered by the Office of Foreign Asset Control (“OFAC”). We reserve the right, in our sole discretion, to decline any application or close any Card and Card Account at any time to comply with Applicable Law, regulatory requirements or our risk and compliance policies.

You may submit an application to open a Card Account by using the Mobile App or by visiting the Website.

3.5 Primary and Secondary Card Accounts

The Primary Accountholder may request up to five (5) Secondary Accounts for qualifying Secondary Cardholders and up to two (2) Supported Adult Accounts for qualifying Supported Adult Cardholders.

3.6 Card Enrollment

Cards will be mailed to the address provided during registration. You must provide personal information to verify your identity during the card enrollment process.

3.7 Personal Identification Number and Activation of Card

Upon receipt of your Card, you will be prompted and required to create a Personal Identification Number (“PIN”) through the Greenlight Application or by calling 1-888-483-2645. Your Card will be automatically activated when you select a PIN. Do not write your PIN on your Card or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, shield the keypad so others cannot see it, and do not enter your PIN into any terminal that appears suspicious or modified.

If you believe anyone has gained unauthorized access to your PIN, notify us immediately following the procedures in Section 9.3.

You may change your PIN at any time through the Mobile App or by calling (888) 483-2645.

3.8 Authorized Card Users

The Primary Accountholder is responsible for all authorized transactions and fees incurred by use of all Cards, including transactions on Secondary Account(s) and Supported Adult Account(s). If you permit another person access to your Card or Card number, we will treat this as if you authorized such use and you will be liable for all resulting transactions and fees incurred by those persons. You remain the Primary Accountholder and you are wholly responsible for the use of each Card and all transactions and fees incurred resulting from the use your Card according to the terms of this Agreement.

3.9 FDIC Insurance on Card Account Only

The funds underlying your Card Account are held by us or other FDIC member and insured depository institution as listed here: https://www.cfsb.com/FDIC/ (“Network Banks”). The list of Network Banks is subject to change from time to time. Such funds are FDIC-insured up to the applicable limits in the event we or the applicable Network Bank fails, provided we have been able to fully verify your identity. Actual insured amounts may be lower or adversely affected based on any balances you separately hold with us or at a Network Bank.

You are responsible for monitoring the total amount of deposits (including non-CFSB issued card accounts and accounts) you hold with us or at any Network Bank for purposes of determining the amount of your deposits that may be eligible for FDIC deposit insurance. Any amount of your deposits at CFSB or a Network Bank that exceeds the $250,000 insurance limit may be uninsured.

For general information on FDIC insurance, visit https://www.fdic.gov/deposit/deposits/prepaid.html.

3.10 Card Enrollment Representations

By selecting a PIN for the Card, or by retaining, using, or authorizing the use of the Card, you represent that: (i) you satisfy the eligibility requirements for a Card Account set forth in this Agreement; (ii) the information you provide in connection with the Card and Card Account is true, accurate, and complete; (iii) you received a copy of this Agreement and agree to be bound by its terms; and (iv) you accept the Card.

4. LOADING FUNDS TO YOUR CARD ACCOUNT

4.1 General Requirements

Loads to your Card Account may only be made in the form and manner we permit in our sole discretion. Only electronic loads are permitted. All loads must be made in U.S. Dollars.

4.2 Permitted Load Methods

Funds may be added to your Primary Account (“loading”) at any time, subject to the restrictions below.

Funds may be loaded to your Card Account through:

• ACH Loads (Direct Deposit): You or a Secondary Accountholder may initiate ACH direct deposits from an employer to your Card Account, such as payroll deposits, using the applicable ABA routing number and the Card Account number or Secondary Account number, as applicable and made available in the Mobile App. For clarification, a Secondary Cardholder's payroll direct deposit will be attributed to their Secondary Account. To receive direct deposit, the Primary Accountholder or the Secondary Cardholder must provide their employer with the account number and routing number of the applicable Primary Account or Secondary Account, available in the Mobile App.

• ACH Loads (from your Funding Account): You may initiate an ACH debit transaction from your Funding Account and have such debited amount loaded to your Card Account. BY CONNECTING A FUNDING ACCOUNT TO THE PRIMARY ACCOUNT, THE OWNER OF SUCH FUNDING ACCOUNT AUTHORIZES ANY PARTY WITH ACCESS TO THE PRIMARY ACCOUNT TO INITIATE LOADS FROM THAT FUNDING ACCOUNT.

• Electronic Funds Transfers: Where authorized by us, you or a Secondary Accountholder may initiate electronic funds transfers from an investment account, PayPal account or Venmo account to load funds to your Card Account.

Transfers between your Card Account and any eligible investment account or other third-party service account (each, a “Third Party Account”) may be subject to transaction limits established by the provider of those services and disclosed in the agreements governing those services.

All load methods permitted under this Agreement are subject to minimum and maximum amounts established by CFSB from time to time and disclosed in the “Load Limits” table in the Policy Center at Servicer’s Website and in the Servicer’s Mobile App settings.

4.3 Prohibited Load Methods

You may not load funds at any ATM or at any of our branch locations. Personal checks, cashier's checks, and money orders are not acceptable forms of loading.

The Card may not be used to receive government tax refunds, government benefit payments, or any other government-issued payments.

4.4 Restrictions on Use of Direct Deposit Routing and Account Numbers

Your Card Account and any Secondary Card Account direct deposit routing and account number may only be used to receive direct deposits. These numbers may not be provided to merchants or service providers for preauthorized debit purposes.

4.5 Load Limits

Limitations on amounts that may be loaded are set forth in the Load Limits table in the Policy Center the Website and in the Mobile App.

4.6 Funds Availability

Funds you load or deposit to your Card Account will generally be available only after we receive the applicable load transaction and Post it to your Card Account. The following timing guidelines apply:

• Direct Deposit/ACH Transfers: Funds are available on the Business Day we receive the ACH credit and Post it to your Card Account. Employer or Agency submission, ACH network notifications, or pending entries are informational and do not guarantee availability until Posting occurs.

• Cash Loads at Authorized Locations. Funds are available after we confirm receipt of the load file from the Authorized Location’s processing network and the load has been Posted to your Card Account by us. Any confirmation provided by an Authorized Location or its network provider is informational and does not constitute Posting or availability. We may delay or decline a load pending verification, fraud screening or compliance review.

We may delay availability in certain circumstances (e.g., suspected fraud, inability to verify funds or compliance with law). If a delay occurs, we will notify you of the reason and when funds will be available.

4.7 ACH Debit Authorization for Loads

The Primary Accountholder or Authorized Approver (each, an “ACH Authorizer”) authorizes CFSB to initiate single, recurring, and standing debit entries from the designated Funding Account for purposes of loading funds to the Card Account in amounts and on dates authorized through the Mobile App.

The ACH Authorizer authorizes us to continue initiating ACH debits from the designated Funding Account for recurring or standing load instructions established by the ACH Authorizer through the Mobile App. This authorization will remain in effect until revoked by the ACH Authorizer through the Mobile App, by contacting customer service at 1-888-483-2645, or by any other method we make available. Revocation may take up to three (3) Business Days to process.

4.8 Early Paycheck Direct Deposit Service

Eligible Primary Accountholders and Secondary Cardholders may receive early access to direct deposits up to two (2) Business Days before CFSB's receipt of the corresponding settlement amounts. Eligibility criteria, which may change at any time in CFSB's sole discretion, generally include: (i) a minimum history of direct deposits from the same employer or payroll processor; and (ii) no unauthorized return, refund, reversal, or chargeback of a load transaction in the preceding six (6) months. CFSB may terminate, suspend, or modify this service at any time without notice. You may opt out at any time by contacting Greenlight at support@greenlight.com or calling 1-888-483-2645; opt-out processing may take up to ten (10) Business Days.

5. USING YOUR CARD

5.1 Card Activation

You must activate your physical Card before it can be used. Activation instructions will be provided with the Card.

When you receive your physical Card, please sign the back of it as soon as you receive it and keep it safe. A virtual Card does not need to be activated.

5.2 Card Purchases

Your Card may be used to purchase goods or services at any location that displays the Card Network or Maestro acceptance mark, including shops, restaurants, online or on the telephone, subject to the value available in your Card Account and the limits set forth in this Agreement. Your virtual Card can only be used where a physical card is not required, for example transactions made online or on the telephone.

Each time you use the Card, you authorize us to reduce the available balance in your Primary Account by the amount of the Card transaction and any applicable fees.

You may not use your Card or Card Account for any illegal transaction, online gambling transaction, or any other activity prohibited by Applicable Law. We reserve the right to decline, suspend, or terminate transactions or Card Account activity that we reasonably believe may violate Applicable Law, card network rules, or this Agreement.

5.3 Preauthorizations

If you use your Card at an automated fuel dispenser (“pay at the pump”), restaurant, hotel, car rental company, or other merchant that requests preauthorization, the merchant may place a hold on available funds in an amount determined by the merchant that may exceed the final transaction amount. The held amount will reduce your available balance until the merchant submits the final transaction amount or releases the hold. We do not control the amount or duration of a preauthorization hold and cannot release the hold until permitted by the merchant or applicable payment network rules.

5.4 Cash Withdrawals with the Card

Once your identity has been verified, you may use your physical Card and PIN to withdraw cash from your Card Account at any ATM or Point-of-Sale device (“POS”) (if cash-back functionality is made available by the merchant) that bears the Card Network or Maestro acceptance marks. All ATM transactions are treated as cash withdrawal transactions.

Daily and weekly ATM withdrawal limits are set forth in Section 12.2.

Each time you withdraw cash with the Card, you authorize us to reduce the available balance in your Card Account by the amount of the cash withdrawal and any applicable fees.

When you use a non-Mastercard payment network, you may be charged a fee by the ATM operator, and you may also be charged a fee for a balance inquiry even if you do not complete a cash withdrawal. Such fee is a third-party fee assessed by the individual ATM operator only, and is not assessed by us. The ATM fee will be charged to your Card Account.

You may also withdraw funds at a participating financial institution over the counter.

5.5 No Overdrafts Permitted

You are not permitted to overdraw your Card Account. If the available balance in your Card Account is insufficient to cover any payment or withdrawal you have authorized, the payment or withdrawal you have requested can be denied.

If your Card Account balance becomes negative for any reason, you must load funds immediately to cover the negative balance. Any load we receive to your Card Account will be first applied to any negative balance in your Card Account. We may suspend or terminate your Card and Card Account and pursue any available remedies to recover amounts owed to us.

5.6 Transactions Made in Foreign Currencies and Foreign Transactions

A foreign transaction is any transaction (a) made in a foreign currency, or (b) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country.

If you use your card to make a transaction or obtain cash in a foreign currency, the transaction will be converted by the Card Network into a U.S. dollar amount in accordance with the Card Network’s operating regulations or conversion procedures in effect at the time the transaction is processed. The Card Network’s currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or Posting date.

Card transactions made at a merchant point-of-sale outside of the U.S. may offer you an option to have such transactions converted to U.S. dollars by the merchant, rather than by the Card Network. If the merchant makes the conversion, the conversion currency rate will be determined solely by the merchant involved in the transaction and may be at a higher cost to you than conversion by the Card Network. A foreign currency conversion rate may apply regardless of whether the transaction is converted by the Card Network or by the merchant, depending on how and where the transaction is processed.

In addition to and distinct from the currency conversion rate applied to a transaction by a Card Network or a merchant, we may charge you a foreign currency conversion fee, as set forth in the Fee Schedule attached to this Agreement. The foreign currency conversion fee is separate from any currency conversion rate used to convert the transaction amount and is specified in the Fee Schedule attached to this Agreement.

If a transaction is made in a foreign currency that is supported by the Card Network, the amount of such transaction, converted to U.S. dollars (“USD”) by the Card Network in accordance with its conversion procedures, plus any applicable fees, will be deducted from the available balance of your Card Account. We do not support balances in foreign currencies. If a transaction is made in a foreign currency, the Card Network will convert the transaction amount to USD using a conversion rate determined by the Card Network in accordance with its operating procedures. The rate applied may differ from the rate in effect on the transaction or Posting date. This conversion is separate from any foreign currency conversion fees that may apply, as disclosed elsewhere in this Agreement. You acknowledge and agree that we do not provide foreign conversion services or control the foreign currency conversion rates selected or applied by the Card Network and are therefore not responsible for any differences between the foreign currency conversion fee applied to your Card Transaction and the currency conversion rates applied by the Card Network.

If such a foreign transaction results in a credit due to a return, we will not refund any fee that may have been charged on your original purchase.

6. NO WARRANTY REGARDING GOODS OR SERVICES AS APPLICABLE; RETURNS, AND REFUNDS; RECEIPTS; BALANCE AND TRANSACTION HISTORY; DIRECT DEPOSITS

6.1 No Warranty Regarding Goods or Services

We, and our third-party service providers (including Servicer) are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. Any disputes or issues with any goods or services you purchase with your Card should be addressed to the merchants or individuals from whom the goods and services were purchased.

6.2 Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, the return or refund will be handled by the merchant. If the merchant Posts credits to your Card Account via the Card, the credit may not be immediately available. We do not have control over when a merchant may send the credit transaction to us. And there may be a delay between the date of the refund transaction and the date the refund amount is credited into your Card Account. If you have questions about a refund that has not Posted to your Card Account you must contact the merchant where you made the purchase.

6.3 Receipts

You should obtain a receipt at the time of each transaction, including ATM withdrawals. You agree to retain, verify, and reconcile your transactions and receipts.

6.4 Balance and Transaction History

You may obtain information about the amount of funds you have remaining in your Card Account by calling 1-888-483-2645. This information, along with a twelve (12) month history of Card transactions, is also available through the Mobile App.

If your Card Account is registered with us, you also have the right to obtain at least twenty-four (24) months of written history of Card Account transactions by calling 1-888-483-2645 or writing to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308. You will not automatically receive paper statements. You will not be charged a fee for this information unless you request it more than once per month.

6.5 Direct Deposits

If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, you can view the transaction on the Mobile App or Website to find out whether the deposit has been made. You may also 1-888-483-2645 to verify whether the deposit has been received.

7. THIRD-PARTY SERVICES AND REWARDS

Greenlight or its affiliates may offer rewards, incentives, investment services, savings programs, subscription benefits, cash back programs, or other products and services from time to time ("Third-Party Services"). Third-Party Services are not provided, sponsored, administered, or owned by CFSB unless expressly stated otherwise in this Agreement or in a CFSB-approved disclosure.

Any Third-Party Services are governed exclusively by the separate terms, disclosures, and agreements applicable to those services. Questions, disputes, eligibility determinations, reward calculations, account servicing, and customer support relating to any Third-Party Services should be directed to Greenlight or the applicable third-party provider.

To the extent you elect to use a Third-Party Service that permits transfers to or from your Card Account, you authorize CFSB to debit or credit your Card Account in accordance with your instructions and the terms governing such service. CFSB's role is limited to maintaining the Card Account and processing authorized transfers to and from the Card Account. CFSB is not responsible for the operation, administration, performance, or availability of any Third-Party Service.

8. CARD REPLACEMENT AND CUSTOM CARDS

8.1 Card Replacement

To replace a lost, stolen, or damaged Card, contact us at 1-888-483-2645. You will be required to verify your identity, which may including providing your Card number, full name, transaction history, or other acceptable identifying information.

We may deactivate your existing Card or Secondary Card (as applicable) and issue a replacement Card with a new Card number. A replacement card fee may apply (see Section 12 (Fees).

9. ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS

9.1 Electronic Funds Transfer Services

Types of Electronic Funds Transfers Available:

You may arrange with another party, such as your employer, or other financial institutions, to electronically deposit funds on a one-time or recurring basis directly to your Card Account.

You may authorize another party, such as a merchant, using your Card number to electronically withdraw funds on a one-time or recurring basis directly from your Card Account.

You may use the Card to make purchases at merchants that accept the Card on a one-time or recurring basis, or to obtain cash at ATMs and, subject to availability, cash back at POS terminals.

Right to Receive Documentation of Electronic Funds Transfers:

• Balance and Transaction History: You may obtain information about the amount of money you have remaining in your Card Account by calling 888-483-2645. This information, along with a 12-month history of Card Account transactions, is also available online at www.greenlight.com.

If your Card Account is registered with us, you also have the right to obtain at least 24 months of written history of Card Account transactions by calling 888-483-2645. You will not be charged a fee for this information unless you request it more than once per month.

• Direct Deposits: If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, you can view the transaction on the Mobile App or Website to find out whether the deposit has been made. You may also call 888-483-2645 to verify whether the deposit has been received.

• Receipts: You can get a receipt at the time you make any Card Transaction using a POS terminal at a merchant or when you obtain cash from an ATM. However, for certain small dollar transactions at merchant locations, you may not receive a receipt. You agree to retain your receipts to verify your Card transactions.

9.2 Preauthorized Transfers (Recurring Payments)

Right to Stop Payment of Preauthorized Transfers and Procedure for Doing So

If you have told us in advance to make regular payments with the Card or Card Account (“recurring payments”), you can stop any of these payments. Here's how: email us at support@greenlight.com, in time for us to receive your request three (3) Business Days or more before the payment is scheduled to be made.

To stop a recurring payment to a merchant that you authorized to debit the Card or Card Account on a regular basis, it is best to contact the merchant directly to request cancellation of the recurring payment. If the merchant with whom you arranged recurring payments from the Card or Card Account is unable or unwilling to stop the transfer, email us at support@greenlight.com, in time for us to receive your request three (3) Business Days or more before the recurring payment is scheduled to be made. Such a stop payment request will also cancel all future payments for the recurring transaction to which the stop payment request relates, unless you authorize the recurring transaction again with the merchant.

Notice of Varying Amounts 

If recurring payments may vary in amount, the person you are going to pay is required to tell you ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set.

Liability for Failure to Stop Payment of Preauthorized Transfer

If you order us to stop one of these recurring payments three (3) Business Days or more before the recurring payment is scheduled, and we do not do so, we will be liable for your losses or damages.

9.3 Your Liability For Unauthorized Transfers

Contact us immediately at 1-888-483-2645 if you believe your Card or PIN number has been lost or stolen or if you believe that someone has made unauthorized transactions or that an electronic fund transfer has been made without your permission. Calling us at 1-888-483-2645 is the best way to keep your possible losses down. You could lose all the money in your Card Account.

Your liability for unauthorized electronic fund transfers is determined as follows. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card, you can lose no more than $50.00. If you do not notify us within two (2) Business Days after you learn of the loss or theft, and we can prove we could have stopped someone from using your Card or Card Account without your permission had you told us, you could lose as much as $500.00. Also, if your electronic history or written history shows transfers that you did not make or authorize, you must tell us at once. If you do not tell us within sixty (60) days after the earlier of the date you electronically accessed your Card Account or the date we sent the first written history on which the unauthorized transfer appeared, you may not get back any money you lost after those sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time.

If your Card or PIN has been lost or stolen, we may close your Card, deactivate your PIN, and issue you a new Card (with a new Card number) or PIN (as applicable).

If your Card number changes, you are responsible for promptly notifying any merchants with whom you have set up recurring Card transactions of your new Card number to ensure your payments continue without interruption.

Under the applicable Card Network’s zero liability policy, your liability for unauthorized transactions using your Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by the applicable Card Network, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). The reduced liability policy also does not apply if you wait more than sixty (60) days to report an unauthorized transaction after the earlier of the date you electronically access your Card Account (if the unauthorized transaction could be viewed in your electronic history), or the date we sent the FIRST written history of your transactions on which the unauthorized transaction appeared.

10. INFORMATION ABOUT YOUR RIGHT TO DISPUTE ERRORS

In case of errors or questions about your Card Account, including your Card transactions, call 1-888-483-2645 or write to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308.

We must allow you to report an error until sixty (60) days after the earlier of the date you electronically accessed your Card Account (if the error could be viewed in your electronic transaction history) or the date we sent the FIRST written history on which the error appeared.

In any case, we may limit our investigation of any alleged error that you do not report to us within 120 days of the Posted transaction. You may request a written history of your transactions at any time by calling us at 1-888-483-2645 or writing to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308.

You will need to tell us:

1. Your name, Card Number and email address associated with your Card (if any);

2. A description of the error or transfer you believe is in error, or why you need more information, and explain as clearly as you can why you believe it is an error; and

3. The dollar amount of the suspected error.

If you provide this information verbally, we may require that you send your complaint or question in writing within ten (10) Business Days.

We will determine whether an error occurred within ten (10) Business Days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, and your Card Account is registered with us, we will credit your Card Account within ten (10) Business Days for the amount you think is in error. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not credit your Card Account.

For errors involving new Card Accounts, point-of-sale transactions or foreign initiated transactions, we may take up to ninety (90) days to investigate your complaint in question. For new Card Accounts, we may take up to twenty (20) Business Days to credit your Card Account for the amount you think is in error.

We will tell you the results within three (3) Business Days after completing the investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation by contacting us by calling us at 1-888-483-2645 or writing to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308.

If you need more information about our error-resolution procedures, call us at 1-888-483-2645 or writing to Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308.

It is important to register your Card Account as soon as possible. Until you register your Card Account and we verify your identity, we are not required to research or resolve any errors regarding your Card Account. To register your Card Account, go to the Mobile App, Website or call us at 1-888-483-2645. We will ask you for identifying information about yourself (including your full name, address, date of birth and SSN, or ITIN, so that we can verify your identity).

11. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS

If we do not properly complete a properly initiated Card transaction on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as required by Applicable Law, except where: (i) if through no fault of ours, you do not have sufficient funds available on your Card to complete the transaction; (ii) if a merchant refuses to accept your Card; (iii) if an ATM where you are making a cash withdrawal does not have enough cash; (iv) if an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction; (v) if access to your Card has been blocked after you reported your Card lost or stolen or your Card Account compromised; (vi) if there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use; (vii) if we have reason to believe the requested transaction is unauthorized; (viii) if the circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction despite reasonable precautions that we have taken; or (ix) any other exception set forth in this Agreement.

12. FEES; LIMITATIONS ON FREQUENCY AND DOLLAR AMOUNTS OF CARD TRANSACTIONS

12.1 Fees

THE FEES RELATING TO THE USE OF YOUR CARD AND CARD ACCOUNT ARE SET FORTH IN SCHEDULE A: GREENLIGHT ® PREPAID MASTERCARD FEE SCHEDULE ATTACHED TO THIS AGREEMENT (“FEE SCHEDULE”). THE FEE SCHEDULE IS INCORPORATED HEREIN BY REFERENCE. You agree to pay the fees and charges that apply to your Card Account as described in:

• the Short Form Disclosure provided to you before you acquired the Card; and

• the Fee Schedule attached to this Agreement.

We will deduct applicable fees from your Card Account balance as they are incurred. If at any time your remaining Card Account balance is less than the fees assessed, we will apply the balance of your Card Account to the fees, resulting in a zero balance in your Card Account, and your Card transactions may be declined. Any remaining fees will be collected in accordance with Section 5.5. (No Overdrafts Permitted), from subsequent loads to your Card Account.

Fees are subject to change as permitted by law, and we will provide notice of any changes as required by applicable regulations. You are responsible for reviewing the Fee Schedule periodically to stay informed of current fees.

12.2 Limitations On Frequency And Dollar Amounts Of Card Transactions

Minimum load amounts are variable and will be displayed in the Application at the time of each load transaction. Current minimum load amounts are available at greenlight.com/load-limits. “Family” means the Primary Account plus all related Secondary Accounts and Supported Adult Accounts. “Week” or “Weekly” means a rolling seven (7)-day period. "Month" means a rolling thirty (30)-day period.

From time to time, we may increase or decrease limits, or add additional limits, to your use of the Card Account, including the Card, in our sole discretion for security, risk or other reasons without notice to you, except as required by Applicable Law. Your Card Account limits can be found in the table above.

Factors that may impact a Primary Accountholder's limits include, without limitation, suspected Card compromise, an excessive number of disputes filed, and unsettled load funds. In our sole discretion and only on an exception basis, we may approve one or more transactions that cause the Maximum Balance per Family to exceed the limit set forth above in certain limited circumstances, including where funds are being returned to the Primary Account in connection with account servicing, account closure, correction of errors, reversals, dispute resolution, or other operational purposes. In such events, any transactions or transfers in excess of the applicable limit may be delayed until the completion of a risk and fraud review of the applicable Card Account.

13. AMENDMENT; CANCELLATION; DEATH AND DORMANCY

13.1 Amendments

Except as otherwise required by Applicable Law, we may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement at the Website and Mobile App, and any such amendment shall be effective upon posting to the Website or Mobile App. The Agreement is also available on the Website. You will be notified of any amendment(s) in a 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 for your benefit, we may implement it without prior notice. When we change this Agreement, the then-current version of the Agreement governs your Card Account and supersedes all prior versions.

13.2 Cancellation

We may cancel or suspend your Card and Card Account or this Agreement at any time. If your Card Account balance is $0.00 and your Card has been inactive for three (3) or more months following an initial load, or if your initial load was unsuccessful and no subsequent loads have been completed within two (2) weeks, your Card Account may be closed.

Continued eligibility for the Card Account may be conditioned on maintaining an active Greenlight subscription. If you no longer satisfy applicable eligibility requirements, CFSB may close your Card Account in accordance with this Agreement.

You may cancel this Agreement by calling 1-888-483-2645 or using the cancellation option in the Mobile App. Your cancellation of this Agreement will not affect any of CFSB’s rights or your obligations arising under this Agreement prior to cancellation. Further, cancellation of your Card does not cancel your Greenlight subscription, which is governed by a separate agreement with Greenlight and remains in effect unless separately cancelled with Greenlight.

Upon cancellation, any unused balance will be returned to you by refund to your Funding Account or by check to the mailing address on file, at our discretion. We reserve the right to retain any remaining balance under $1.00 as a one-time de minimis balance fee.

13.3 Death of Cardholder

Upon the death of a Secondary Cardholder or Supported Adult Cardholder, the applicable account will be closed and any funds will be transferred to the Primary Accountholder. Upon the death of a Primary Accountholder, all associated accounts will be closed and unused balances will be returned to the Funding Account on file, by paper check, or to a verified law office upon receipt of proper legal documentation.

13.4 Dormancy; Unclaimed Funds (Escheatment)

If your Card Account is inactive for a period defined by applicable state abandoned-property laws, your Card Account balance may be transferred (“escheated”) to the appropriate state authority. We will make reasonable efforts to locate and notify you before remitting funds. Applicable state laws govern the dormancy period and the process for claiming or reclaiming escheated funds. You may prevent escheatment by contacting us to reactivate your Card Account prior to escheatment.

14. LIMITATION OF LIABILITY

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT OR REQUIRED BY APPLICABLE LAW, WE, OUR AFFILIATES, AND THE PARTIES TO WHOM WE CONTRACT IN ORDER TO OFFER YOUR CARD AND CARD ACCOUNT AND RELATED SERVICES ARE NEITHER RESPONSIBLE AND ARE NOT LIABLE TO YOU UNDER ANY THEORY OF LIABILITY FOR: DELAYS OR MISTAKES RESULTING FROM CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES; THE FAILURE OF THIRD-PARTY SERVICE PROVIDERS TO PERFORM; OR COMMUNICATION SYSTEM FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT OR ANY INTERNET, MOBILE, OR OTHER COMMUNICATION NETWORK.

IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXTRAORDINARY, EXEMPLARY, OR PUNITIVE DAMAGES (WHETHER IN CONTRACT, TORT, OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT PERMITTED BY LAW, YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY CFSB OR SERVICER ARISING FROM OR RELATED TO THE CARD RELATIONSHIP SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON YOUR CARD ACCOUNT. THIS CARD-SPECIFIC LIMITATION CONTROLS OVER THE GENERAL LIMITATION ABOVE TO THE EXTENT OF ANY CONFLICT, AND NEITHER LIMITATION WAIVES ANY RIGHT YOU MAY HAVE UNDER REGULATION E OR OTHER APPLICABLE BANKING LAW THAT CANNOT BE LIMITED BY AGREEMENT.

NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS AGREEMENT CONSTITUTES A WAIVER OR LIMITATION OF ANY RIGHTS YOU MAY HAVE UNDER FEDERAL OR STATE BANKING OR SECURITIES LAWS TO THE EXTENT SUCH RIGHTS CANNOT BE WAIVED OR LIMITED.

15. PRIVACY AND DATA SHARING

Protecting your privacy is very important to us. Please review our privacy policy at: https://www.cfsb.com/privacy/ (the “Privacy Policy”) in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. Our Privacy Policy includes details of the personal information that we collect, how it will be used, and with whom we share it.

You acknowledge that CFSB and its authorized service providers, including Greenlight acting as CFSB authorized servicer, may collect, use, maintain, process, and share information relating to you, your Card, your Card Account, and your transactions as necessary to provide and administer the Card program and as otherwise described in the Privacy Policy and Applicable Law.

If you were previously a Greenlight subscription-only customer, Greenlight may have shared certain personal information with us in connection with your application for a Card, as described in Greenlight’s privacy statement, so that we could verify your identity, satisfy our account-opening requirements, issue your Card, and establish your Card Account. That information sharing occurred because, and at the time, you elected to establish a card relationship with CFSB, and is separate from any ongoing collection, use or sharing of your information by CFSB as described in our Privacy Policy.

16. ELECTRONIC COMMUNICATIONS; TELEPHONE MONITORING/RECORDING

16.1 Your Consent to Receive Electronic Communications

You agree that we may communicate with you through Servicer, our authorized service provider, in accordance with the terms of the Electronic Communication Consent you accepted at account sign-up (the “E-Comm Consent”). The E-Comm Consent governs the delivery method and legal effect of electronic communications (e.g., mail, in-app, website notices) related to your Card and Card Account.

16.2 Consent to Contact; Methods; Costs

If you provide us with a telephone number (including a mobile number) or contact us from such number, you authorize us and our authorized Servicer, agents and contractors to contact you about your Card and Card Account at that number. We may contact you by telephone (including calls or text using an automated dialer device), mail, email, in-app message or other reasonable electronic means, unless prohibited by law. You are responsible for any carrier, data or telecommunication fees or charge you incur as a result of providing this information.

16.3 Opt-Out/Withdrawal of Consent

You may request that we stop using a specific phone number (including mobile number) for calls or texts by contacting us at support@greenlight.com. For text messages, you may also reply “STOP” to opt out. Your request will be effective when we receive it, and we will honor it within a reasonable time. Opting out of calls or texts at a specific number will not affect our ability to send legally required notices or service communications by other permitted channels (e.g., mail or email) unless you separately revoke consent for those channels in accordance with the E-Comm Consent.

16.4 Reasonable Contact Practices

We will contact you only within reasonable limits and during appropriate hours, and may leave pre-recorded message or messages with other persons at the contact information you provide. When we contact you, we may identify ourselves, our relationship to you, and our purpose for contacting you. Our contacts with you about your Card and Card Account are not unsolicited.

16.5 Monitoring and Recording

From time to time, we may monitor and/or record calls and other communications with you to ensure service quality or as required by Applicable Law.

16.6 Changes to Your Contact Information

You agree to promptly notify us if you change any contact information (e.g., mailing address, email address, or phone number (including mobile number) you have provided to us. Until you notify us, we may continue to use the last contact information you provided.

17. ARBITRATION

IMPORTANT NOTICE: PLEASE READ THIS ARBITRATION CLAUSE CAREFULLY AS IT INCLUDES A CLASS ACTION WAIVER AND WAIVER OF A TRIAL BY JURY. IT MAY SIGNIFICANTLY AFFECT YOUR RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT OR TO PURSUE CLAIMS IN A CLASS OR REPRESENTATIVE CAPACITY. PLEASE KEEP A COPY OF THIS ARBITRATION CLAUSE FOR YOUR RECORDS

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT APPLY FOR AND/OR OPEN A CARD AND CARD ACCOUNT.

17.1 Informal Mediation.

Before formally pursuing a dispute in arbitration or small claims court, you agree to first send a detailed notice (“Notice”) to Community Federal Savings Bank, Attn: Legal Department, 89-16 Jamaica Avenue, Woodhaven, NY 11421 in case of a dispute with the CFSB, and to Servicer, Greenlight Financial Technology, Inc, 303 Peachtree St. NE, Suite 4300, Atlanta, GA 30308, in case of a dispute with Servicer. If we (or Servicer) have a dispute with you, we, and Servicer agree to first send a Notice to you at your most recent email address on file with us, or if no email address is on file, other contact information associated with your Card. Your Notice must contain all of the following information: (1) your full name; (2) information that enables us to identify your Card and, your address, mobile phone number, email address, and date of birth you used to register your Card if any; and (3) a detailed description of your dispute, including the nature and factual basis of your claim(s) and the relief you are seeking with a corresponding calculation of your alleged damages (if any). You must personally sign this Notice for it to be effective. Our (or Servicer’s) Notice must similarly set forth a detailed description of its dispute, which shall include the nature and factual basis of its claim(s) and the relief it is seeking, with a corresponding calculation of our damages (if any). You and we (and/or Servicer) agree to then negotiate in a good faith effort to resolve the dispute. As part of these good faith negotiations, if we (or Servicer) request a telephone conference with you to discuss your dispute, you agree to personally participate with your attorney if you are represented by counsel. Likewise, if you request a telephone conference to discuss our or Servicer’s dispute with you, then we (or Servicer) agree to have one representative participate. This informal process should lead to a resolution of the dispute. However, if the dispute is not resolved within sixty (60) days after receipt of a fully completed Notice and the Parties have not otherwise mutually agreed to an extension of this informal dispute resolution time-period, either Party may commence an arbitration proceeding or file an action in small claims court, as applicable and permitted under this Agreement.

Completion of this informal dispute resolution is a condition precedent to filing any demand for arbitration or small claims court action. Failure to do so is a breach of this Agreement. The statute of limitations and any filing fee deadlines will be tolled while you, we, or Servicer engage in this informal dispute resolution process. Unless prohibited by Applicable Law, the arbitration provider shall not accept or administer any demand for arbitration and shall administratively close any arbitration unless the Party bringing such demand for arbitration can certify in writing that the terms and conditions of this informal dispute resolution process were fully satisfied. A court of competent jurisdiction shall have authority to enforce this provision and to enjoin any arbitration proceeding or small claims court action.

17.2 Scope of Arbitration

All disputes, claims or controversies between you and us, or between you and Servicer arising out of or related to this Agreement or any aspect of the relationship between you and us (or Servicer), whether based in contract, tort, statute, fraud, misrepresentation, consumer rights, constitution, regulation, ordinance or any other legal theory, will be resolved through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury. Claims subject to arbitration include initial claims, counterclaims, cross-claims, and third-party claims. Such claims also include data breach or privacy claims arising from or relating directly or indirectly to our disclosure (or disclosure by a third party acting on our behalf) of any non-public personal information about you, and disputes arising from communications involving telephones, automatic dialing systems, artificial or prerecorded voice messages, SMS text messages or facsimile machines. Claims subject to arbitration also include disputes arising from facts, actions or omissions that occurred prior to the date of this Agreement. You agree that we, Servicer and you are each waiving the right to trial by a jury. The only exceptions to mandatory arbitration are the following: (1) invocation of small claims under the procedures set forth under this Arbitration Clause; or (2) any claim for injunctive other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of either party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights.

For purposes of this Arbitration Clause, the terms “we," us” and “our” include (a) us, Servicer, and our and Servicer’s respective subsidiaries, affiliates, agents, employers, successors, and assigns and all of their employees, officers, directors and controlling persons, and (b) any other person or company who provides any goods or services in connection with the Agreement if you assert a claim against such other person or company in connection with a claim you assert against us. You, we and Servicer are also referred to under this Arbitration Clause individually as a “Party” or, collectively, as the “Parties”.

The arbitration will be administered by National Arbitration and Mediation (“NAM”). NAM shall not accept or administer any demand for arbitration and shall administratively close any arbitration unless the Party bringing such demand for arbitration can certify in writing that the terms and conditions of the informal mediation process provided above is fully satisfied. Any arbitration between the Parties shall be administered by NAM in accordance with NAM’s operative Comprehensive Dispute Resolution Rules and Procedures (the “NAM Rules”) in effect at the time any demand for arbitration is filed with NAM, as modified by this Agreement. For a copy of the NAM Rules, please visit https://www.namadr.com/resources/rules-fees-forms or contact NAM at NAM’s National Processing Center at 990 Stewart Avenue, 1st Floor, Garden City, NY 11530 and email address commercial@namadr.com, or call NAM at (800) 358-2550. If NAM is unable or unwilling to perform its duties under this Agreement, the Parties shall mutually agree on an alternative administrator that will replace NAM and assume NAM’s role consistent with this Agreement. If the Parties are unable to agree, they will petition a court of competent jurisdiction to appoint an administrator that will assume NAM’s duties under this Agreement. Payment of all filing, administration and arbitrator fees will be governed by the NAM Rules or rules of the other organization.

Notwithstanding any choice of law or other provision in this Agreement, the Parties agree and acknowledge that this Arbitration section evidences a transaction involving interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement and proceedings pursuant thereto. It is the intent of the parties that the FAA and NAM Rules pre-empt all state laws to the fullest extent permitted by law. If the FAA and NAM Rules are found to not apply to any issue that arises under this Arbitration Clause or the enforcement thereof, then that issue shall be resolved under the laws of the State of New York.

17.3 Arbitration Procedure

A Party who desires to initiate arbitration must provide the other party with a written demand for arbitration as specified in the NAM Rules. The Parties agree that each individual claim for arbitration must set out the identity of the plaintiff and the plaintiff’s counsel, a detailed description of the legal claims being asserted and the requested relief, including a good-faith calculation of the specific amount in dispute.

The arbitrator, and not any federal, state, or local court or agency, has exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability or formation of this Arbitration section, including any claim that all or any part of this Arbitration Clause is void or voidable. The arbitrator is responsible for determining all threshold arbitrability issues, including issues relating to whether this Agreement is unconscionable or illusory and any defense to arbitration, including waiver, delay, laches, or estoppel.

The arbitrator will conduct hearings, if any, by teleconference or video conference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us (or Servicer) that an in-person hearing is required. Any in-person appearances will be held at a location which is reasonably convenient to both the Parties with due consideration of their ability to travel and other pertinent circumstances. If the Parties are unable to agree on a location, such determination should be made by the NAM or by the arbitrator. The arbitrator's decision will follow the terms of this Agreement and will be final and binding subject to any appeal rights under the FAA. The arbitrator must apply substantive governing law consistent with the FAA and applicable statutes of limitation and privileges. The arbitrator may award any damages or other relief or remedies that would apply under Applicable Law to an individual action brought in court. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. Notwithstanding any of the foregoing, nothing in this Agreement will preclude you from bringing issues to the attention of federal, state or local agencies and, if the law allows, they can seek relief against us (or Servicer) for you.

17.4 Mass Filing

If, at any time, 25 or more similar demands for arbitration are asserted against us, Servicer or related parties by the same or coordinated counsel or entities (“Mass Filing”), consistent with the definition and criteria of Mass Filings set forth in the NAM’s Mass Filing Supplemental Dispute Resolution Rules and Procedures (“NAM’s Mass Filing Rules”, available at https://www.namadr.com/resources/rules-fees-forms/), the additional protocols set forth below shall apply.

1. If you or your counsel file a demand for arbitration (a “Demand”) that fits within the definition of Mass Filing referred to above, then you agree that your Demand for arbitration shall be subject to the additional protocols set forth in this Mass Filing subsection. You also acknowledge that the adjudication of your dispute might be delayed and that any applicable statute of limitations shall be tolled from the time at which you initiate informal dispute resolution until your Demand is decided, withdrawn, or settled.

2. NAM’s Mass Filing Rules shall apply if your Demand is deemed by NAM, in its sole discretion pursuant to NAM’s Mass Filing Rules and this dispute resolution section, to be part of a Mass Filing. Such election for NAM’s Mass Filing Rules and related fee schedule must be made by either you, us, or Servicer in writing and submitted to NAM and all Parties.

3. Bellwether Proceedings. Bellwether proceedings are encouraged by courts and arbitration administrators when there are multiple disputes involving similar claims against the same or related parties. Counsel for the Mass Filings claimants (including you) and counsel for us (or Service) shall each select 15 Demands (30 total), and no more than 30 arbitrations shall be filed, processed, adjudicated, or pending at the same time, with each of the 30 individual arbitrations presided over by a different arbitrator, in a first set of bellwether proceedings. During this time, no other Demands that are part of the Mass Filings may be filed, processed, adjudicated, or pending. If the Parties are unable to resolve the remaining Demands after the first set of bellwether proceedings are arbitrated or otherwise resolved, then counsel for the claimants and counsel for us (or Servicer) shall each select an additional 15 Demands (30) total to be filed, processed, and adjudicated as individual arbitrations, with each of the 30 arbitrations presided over by a different arbitrator, in a second set of bellwether proceedings. During this time, no other Demands for arbitration that are part of the Mass Filings may be filed, processed, or adjudicated. This staged process of bellwether proceedings, with each set including 30 Demands adjudicated on an individual basis, shall continue until each Demand included in the Mass Filings (including your Demand) is adjudicated or otherwise resolved. Fees associated with a Demand included in the Mass Filings, including fees owed by the us or Servicer and the claimants (including you), shall only be due after your Demand is chosen as part of a set of bellwether proceedings and therefore properly designated for filing, processing, and adjudication. Any applicable statute of limitations shall be tolled beginning when you initiate the informal dispute resolution process set forth above in Section 17.1 of this Agreement, and if the first Mass Filings’ Demands are chosen for the initial set of bellwether proceedings have been filed, your claims will remain tolled until your Demand is decided, withdrawn, or settled. A court of competent jurisdiction located in New York, New York, U.S.A. shall have the power to enforce this subsection.

4. The bellwether proceedings set forth in subsection (iii) above are preferred by the Parties. However, if said proceedings are determined to not be feasible under the circumstances, the Parties agree to cooperate with each other and the arbitration provider or arbitrator to establish alternative processes or procedures that the arbitration provider or arbitrator believe will provide for an efficient, cost-effective resolution of claims. Any disagreement between the parties as to whether subsection (iii) above should apply shall be resolved by a procedural arbitrator appointed by NAM.

The Parties each agree that we each value the integrity and efficiency of the arbitration and small claims court process and wish to employ the process for the fair resolution of genuine and sincere disputes between us. The Parties acknowledge and agree to act in good faith to ensure the fair resolution of genuine and sincere disputes. The Parties further agree that application of these Mass Filings procedures have been reasonably designed to result in an efficient and fair adjudication of such cases.

17.5 Class and Consolidated Class Action Waiver

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, YOU AND WE AGREE THAT EACH PARTY MAY BRING DISPUTES ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A CLASS ACTION, COLLECTIVE ACTION, CLASS ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR REPRESENTATIVE ACTION OR PROCEEDING and such class, collective, private attorney general or representative actions or proceeding are not permitted, and (unless all Parties otherwise agree in writing) you are agreeing to give up the ability to participate in or join claims of multiple individuals against us (or Servicer) in a single proceeding (the “Class Action Waiver”)..

17.6 Jury Waiver

Each Party waives the right to a trial by jury in any court in any suit, action, or proceeding on any matter arising in connection with or in any way related to this Agreement or its enforcement, the Card, Card transactions, except where such waiver is prohibited by law or deemed by a court of law to be against public policy. The Parties each acknowledge that each Party makes this waiver knowingly, willingly and voluntarily and without duress, and only after extensive consideration of the ramifications of this waiver with their respective attorneys.

17.7 Small Claim Exceptions

Notwithstanding the foregoing, either you, us, or Servicer may elect to have an individual claim heard in small claims court. If the request to proceed in small claims court is made after an arbitration has been initiated but before an arbitrator has been appointed, such arbitration shall be administratively closed. Any controversy over the small claims court’s jurisdiction shall be determined solely by the small claims court.

All other issues (except as otherwise provided herein) are exclusively for the arbitrator to decide, as well as any request to proceed in small claims court that is made after an arbitrator has been appointed. If you, us, or Servicer challenges the small claims court election in your dispute, and the small claims court determines that it does not have jurisdiction, then the claim shall be heard in arbitration. However, such court determination shall not be considered or deemed binding with respect to Servicer’s other contracting parties.

17.8 Venue and Forum Selection.

Except where prohibited by law and except for claims that are heard in a small claims court as set forth in this Agreement, any claims arising out of or relating to this Agreement, our services, or to your relationship with us or Servicer that for whatever reason are not required to be arbitrated or filed in small claims court, will be litigated exclusively in the federal or state courts located in New York, New York, U.S.A. You and Servicer consent to the exercise of personal jurisdiction of courts in the State of New York and waive any claim that such courts constitute an inconvenient forum.

17.9 Arbitration Fees and Expenses

If we are the claimant, we will pay all NAM administrative fees. If you are the claimant, you will pay your portion of the non-refundable initial filing fee, and we will pay the remainder of the administrative fees. Each party is otherwise responsible for its own attorneys' fees and expenses, except that if you are the claimant and prevail, we will pay your reasonable attorneys' fees and costs.

17.10 30-Day Right to Opt Out of Arbitration

You may opt out of the arbitration and class action waiver provisions in this Section by visiting www.greenlight.com/arbitration/opt-out, completing the Arbitration Opt-Out Form, and mailing it to: Greenlight Financial Technology, Inc., Attn: Customer Service — Arbitration Opt-Out, 303 Peachtree St. NE, Suite 4300, Atlanta, GA 30308. The form requests your full name, mailing address, email address, cell phone number, last four digits of your Card Account number, the URL of this Agreement, and the same information for any child issued a Secondary Account. The form must be sent within thirty (30) days of the date you first accept this Agreement. Opting out will not affect any other arbitration agreement between you and Greenlight, which will remain in full force and effect.

17.11 Severability; Survival; Conflicts

If any part of this Arbitration Clause is found by a court or arbitrator to be unenforceable, the remainder is enforceable, except that: (A) if the Class Action Waiver is limited, voided or found unenforceable in a proceeding between you and us, and that determination becomes final after all appeals have been exhausted, then this Arbitration Clause (except for this sentence) shall be null and void with respect to such proceeding; and (B) if a claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this Arbitration Clause prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim, and that determination becomes final after all appeals have been exhausted, the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. This Arbitration Clause will survive the termination of the Agreement, regardless of reason for termination, the sale or assignment of your obligation by us to a third party, the repayment of some or all amounts owed under the Agreement and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this Arbitration Clause, on the one hand, and the applicable arbitration rules or the other provisions of the Agreement, on the other hand, this Arbitration Clause shall govern.

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION CLAUSE, DO NOT USE THE CARD. EMAIL support@greenlight.com TO CLOSE THE CARD AND CARD ACCOUNT.

18. CHOICE OF LAW AND VENUE FOR NON-ARBITRABLE DISPUTES

Except as otherwise provided herein, this Agreement is governed by federal law, including the Federal Arbitration Act and applicable federal banking regulations, and to the extent not preempted, by the laws of the State of New York, excluding its conflict of laws provisions. For any claims not subject to binding individual arbitration, and which cannot be brought in small claims court, you and we agree to submit to the exclusive jurisdiction of the state and federal courts in New York, and consent to venue and personal jurisdiction before those courts.

19. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless CFSB and our third-party service providers (including Servicer), and our respective officers, directors, agents, affiliates, subsidiaries, employees, and third-party partners, from and against all damages, expenses, losses, costs, or other claims, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this Agreement, your violation of any law or regulation, or your violation of the rights of any third party.

20. GENERAL PROVISIONS

20.1 Entire Agreement

This Agreement constitutes the entire agreement between you and CFSB with respect to your Card and Card Account and supersedes any prior or contemporaneous communications, negotiations, or agreements with respect to the Card and Card Account.

20.2 Severability

If any portion of this Agreement is found illegal or unenforceable, that portion shall be severed to the minimum extent necessary, and the remaining terms shall remain in full force and effect.

20.3 No Assignment or Transfer; No Waiver; Binding Agreement

You may not assign or transfer the Card, Card Account or any rights or obligations under this Agreement to any other person. We may assign or transfer our rights and obligations under this Agreement without prior notice, subject to Applicable Law. Use of your Card is subject to Applicable Law. We do not waive any rights by delaying or failing to exercise them at any time. This Agreement is binding on you, Secondary Accountholders and your authorized users, and your heirs, executors, administrators, guardians, personal representatives, and trustees in bankruptcy. .

20.4 Compliance with Laws

You warrant, as a condition of your use of the Card and Card Account, that your use will at all times comply with all Applicable Laws, rules, and regulations, and that you are only entitled to use the Card and Card Account for lawful purposes.

20.5 Notices

Except as expressly set forth to the contrary herein, all notices you give under this Agreement shall be in writing and addressed to: Community Federal Savings Bank, c/o Greenlight Financial Technology, Inc., 303 Peachtree St. NE, Suite 4300, Atlanta, GA 30308, Attn: Cardholder Services. Except as expressly set forth to the contrary herein, all notices we give you under this Agreement shall be given through written notice, email, or posting on the Website or Application.

21. OTHER AGREEMENT TERMS

21.1 No Warranty of Availability or Uninterrupted Use

From time to time, services related to the Card Account may be inoperative. When this happens, you may be unable to access the Website or Mobile App, and you may be unable to use the Card or obtain information about the Card Account. Please notify us if you have any problems using the Card, Card Account, Website, or Mobile App. You agree that, except as required by Applicable Law, that neither Bank nor Servicer will be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall Bank or Servicer be liable for extended interruptions due to failures beyond Bank’s or Servicer’s control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, pandemics, labor disputes and armed conflicts.

21.2 Relationship To Your Greenlight Subscription

This Agreement governs only your Card and Card Account. It does not govern, and does not incorporate by reference, the Greenlight Service Agreement, which is a separate, standalone agreement between you and Greenlight governing your Greenlight subscription. Similarly, this Agreement is not incorporated into the Greenlight Service Agreement. You may hold a Greenlight subscription without a Card, cancelling your Card does not cancel your Greenlight subscription, and cancelling your Greenlight subscription does not automatically cancel this Agreement, although CFSB may close your Card Account if your Greenlight subscription is cancelled, in accordance with Section 13.2.

21.3 Digital Wallet Terms

This subsection governs your access to, and use of your Card through a digital wallet provided by another company (such as Apple Pay, Google Pay, Samsung Pay, Amazon, PayPal, Venmo, etc.) or a merchant-branded website or digital wallet where your Card information is stored for future use (each, a “Digital Wallet”).

Adding your Card to a Digital Wallet

To add your Card to a Digital Wallet, you must link your Card with that Digital Wallet by following the instructions of the provider of the Digital Wallet or another third party supporting the Digital Wallet (collectively, the “Digital Wallet Provider”). You may be required to take additional steps to authenticate yourself or the Card before your Card is added to the Digital Wallet. We may not add a Card to your Digital Wallet if we cannot authenticate the Card or if we otherwise suspect that there may be fraud associated with the Card.

You may only use a Digital Wallet with a compatible device, as determined by the Digital Wallet Provider (“Compatible Device”).

If you request to add your Card to a Digital Wallet, you authorize us to collect, transmit, store, use and share information with third parties (including, but not limited to, the Digital Wallet Provider and applicable payment card networks) about you, your Card, your Compatible Device, and your use of the Card to the extent necessary to effectuate the addition of your Card, and the use of your Card, in the applicable Digital Wallet(s) to which you have requested to add your Card.

We reserve the right to add or remove the Digital Wallets in which you may add or use your Card in our sole discretion.

Using Your Card in a Digital Wallet

Once you add a Card to a Digital Wallet on a Compatible Device, you may use the Compatible Device to make payments utilizing the Card at any merchant that accepts the Digital Wallet and Card, subject to your agreement with the Digital Wallet Provider. By selecting an added Card in the Digital Wallet and using the merchant's contactless-enabled POS terminal or reader or by using a Card for an in-app or a website purchase, you are authorizing the payment for the applicable merchant’s products or services with that Card in the Digital Wallet. The Digital Wallet may display transaction history, but it does not reflect any post-authorization activities and may not match the actual transaction details that are Posted to your Card Account.

A Digital Wallet may not be accepted at all merchants where your Card is otherwise accepted, and your Card may not be eligible for all the features and functionalities offered by the Digital Wallet.

Any virtual Card we may issue you that is linked with the Digital Wallet may be, in our sole discretion, automatically updated or upgraded without notice to you.

We reserve the right to restrict the use of Cards within a Digital Wallet at any time and for any reason. We may terminate your access to, or use of your Card, with a Digital Wallet at any time and for any reason, including if you violate any of the terms or conditions of these Digital Wallet Terms. Some examples of instances where we may take action to restrict or terminate use of your Card in a Digital Wallet include: if we suspect fraud with your Card, if Applicable Law changes or if we are directed to do so by the Digital Wallet Provider or the relevant payment card network.

You may remove your Card from a Digital Wallet by following the Digital Wallet Provider’s procedures for removal. You are liable for transactions made through Digital Wallets.

Digital Wallet Provider Agreements

You understand and agree that your use of a Digital Wallet is subject to the terms and conditions set forth by the Digital Wallet Provider with respect to the use of that Digital Wallet. You acknowledge that we are not party to any agreement or the terms and conditions for a Digital Wallet between you and a Digital Wallet Provider, and we do not own and are not responsible for a Digital Wallet.

Your agreement with any Digital Wallet Provider does not impact this Agreement. Any use of your Card in or through the Digital Wallet continues to be subject to all terms and conditions of this Agreement.

Applicable Fees

We do not charge you any additional fees for adding your Card to a Digital Wallet or for using your Card in the Digital Wallet. However, any fees and charges that would apply when you use your Card outside the Digital Wallet will also apply when you use a Digital Wallet to make purchases with your Card or otherwise access your Card.

The Digital Wallet Provider and other third parties (such as wireless companies or data service providers) may charge you fees, and you agree to be responsible for such fees.

Limitation of Our Liability

We are not the provider of the Digital Wallet, and we are not responsible for providing the Digital Wallet service to you or for ensuring that your Card is compatible with any Digital Wallet service. We are not affiliated with any Digital Wallet Provider, and we do not endorse any Digital Wallet Provider. We do not make any representation or warranty of any kind regarding the performance or operation of your Compatible Device or the Digital Wallet.

Some Digital Wallets may use your palm print, fingerprint, facial map or any other biometric data to recognize you, authenticate your identity, or authorize your transactions, and you understand we do not provide any such technology or services and have no obligation regarding the security of such technology or services. By using such technology or services with a Digital Wallet to conduct any transaction, you are authorizing a transaction on your Card. We are only responsible for supplying information to the Digital Wallet provider to allow usage of your Card in the Digital Wallet as you have requested.

In no event are we responsible for: (i) any failure of the Digital Wallet, any mobile device you use with the Digital Wallet, or the inability to use the Digital Wallet for any transaction or (ii) how the Digital Wallet Provider performs its services or any other third parties regarding any agreement you enter into with the Digital Wallet Provider or other third party. We do not control the privacy and security of any of your information that may be held by the Digital Wallet Provider. Any information held by the Digital Wallet Provider is governed by the Digital Wallet Provider’s privacy policy.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY ARE WE LIABLE FOR ANY LOSSES, CLAIMS, EXPENSES OR DAMAGES RESULTING FROM YOUR USE OF A DIGITAL WALLET, YOUR USE OF THE CARD OR VIRTUAL CARD IN CONNECTION WITH A DIGITAL WALLET, OR A MOBILE DEVICE. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF A CARD PROVISIONED TO THE DIGITAL WALLET OF YOUR CHOICE AND THE DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK.

Security

If you use a Digital Wallet, you should protect your Digital Wallet and your Compatible Device as you would your Card. If your Digital Wallet or Compatible Device is compromised, lost or stolen, you should also consider your Card lost or stolen and notify us immediately. If your physical plastic Card is lost or stolen and your Compatible Device is not lost or stolen, you may be required to add the replacement physical plastic Card to a Digital Wallet. If your Compatible Device is lost or stolen, you will need to add your Card to a Digital Wallet on a new Compatible Device.

Digital Wallet Provider Disclosures

• Apple Pay: For additional information and terms regarding the use of Apple Pay, click here. We do not control or endorse the provisioning or use of Apple Pay.

• Google Pay: These Terms do not apply to transactions in Google products that are not initiated or effectuated through the Digital Wallet. Your use of Google Pay is also subject to the terms and conditions set forth in the Google Pay Terms of Service. We do not control or endorse the provisioning or use of Google Pay.

• Samsung Pay: Your use of Samsung Pay is also subject to the terms and conditions set forth in the Samsung Pay Terms and Conditions. We do not control or endorse the provisioning or use of Samsung Pay Money Transfer services.

If you have any questions, disputes, or complaints about a Digital Wallet, contact the Digital Wallet Provider using the information given to you by the Digital Wallet Provider.

21.4 English Language Controls

Any translation of this Agreement into a language other than English is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

21.5 Fees and Service Details

Details and conditions for all fees and services in this Agreement can be located by visiting greenlight.com/cardholder or calling 1-888-483-2645.

21.6 Customer Service

For customer service or additional information regarding your Card, please contact us through Servicer at:

Greenlight Prepaid Mastercard303 Peachtree Street NE, Suite 4300Atlanta, GA 30308 Attn: Cardholder Services1-888-483-2645

Customer Service agents are available 24 hours per day, 7 days per week.

SCHEDULE A

GREENLIGHT® PREPAID MASTERCARD FEE SCHEDULE

(All fees associated with your Greenlight® Prepaid Mastercard)

FDIC Insurance

Register your card for FDIC insurance eligibility and other protections. Your funds are held for you with CFSB or at another FDIC-insured bank in accordance with the terms and conditions of this Greenlight® Prepaid Mastercard Cardholder Agreement. Once your funds are deposited into an account with us or at another FDIC-insured bank, they are eligible for FDIC insurance coverage up to $250,000 per depositor, per bank, per ownership category, subject to FDIC rules and limits. FDIC insurance applies only in the event of bank failure. Amounts that exceed the applicable FDIC insurance limits at any bank may be uninsured. You are responsible for monitoring your balances across accounts and banks to determine the extent of FDIC coverage.

For more information on FDIC insurance coverage, visit https://www.fdic.gov/deposit/deposits/prepaid.html.

No Overdraft/Credit feature

Your Card Account does not have an overdraft or credit feature. You cannot spend more than the available Card Account balance.

Contact Information

For questions, disputes, or to request account information, you can contact us as follows:

• By phone: 888-483-2645

• By mail: Cardholder Services, 303 Peachtree Street NE, Suite 4300, Atlanta, GA 30308

• Online: visit greenlight.com

For general information about prepaid accounts, visit cfpb.gov/prepaid.

Complaints

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Arbitration Notice

This Agreement contains an Arbitration Clause. Arbitration limits your right to go to court, including your right to a jury trial. Please carefully review the terms of this Agreement for details.