Moov Platform Agreement

This Moov Platform Agreement (this “Platform Agreement”) is by and between Moov Financial, Inc., a Delaware corporation (“Moov”), and you or the Person on whose behalf you are accepting this Platform Agreement (“User”), and is effective as of the date on which this Platform Agreement is fully executed by Moov and User, as of the date of User’s acceptance of this Platform Agreement electronically, or as of the date of User’s initial access to or use of the Moov Services (the “Effective Date”). One or more financial institution partners of Moov (each, an “FI Partner”) will be a party to this Platform Agreement for the purposes described in the Consumer User Terms and the Commercial User Terms, as applicable, which means such FI Partners will have the right to exercise or enforce any applicable rights under this Platform Agreement and will have the right, but not the obligation, to perform any applicable responsibilities under this Platform Agreement.

This Platform Agreement consists of the Consumer User Terms and the Services Terms applicable to Consumer Users; the Commercial User Terms and the Services Terms applicable to Commercial Users; and the Financial Institution Card Funding and Disbursement Terms applicable to Financial Institution Users.

The Consumer User Terms set forth the terms and conditions applicable to any Person who is an individual and who establishes a Moov Account to access and use the Moov Services for personal, family, or household purposes (“Consumer User”). If User is a Consumer User, then User’s access to and use of the Moov Services will be subject to the Consumer User Terms and any applicable Services Terms identified in the Consumer User Terms. For Consumer Users, references to “Platform Agreement” in this Platform Agreement will mean the Consumer User Terms and the applicable Services Terms.

The Commercial User Terms set forth terms and conditions applicable to any Person that establishes a Moov Account to access and use the Moov Services for commercial or business purposes, except for Financial Institution Users (“Commercial User”). If User is a Commercial User, then User’s access to and use of the Moov Services will be subject to the Commercial User Terms and any applicable Services Terms identified in the Commercial User Terms. For Commercial Users, references to “Platform Agreement” in this Platform Agreement will mean the Commercial User Terms and the applicable Services Terms.

The Financial Institution Card Funding and Disbursement Terms set forth terms and conditions applicable to any Person that is a financial institution that establishes a Moov Account to access and use the Moov Services to allow Customers to fund accounts with the User using the Customer’s debit card or to disburse funds to the Customer’s debit card from such Customer’s account with the User (“Financial Institution User”). If User is a Financial Institution User, then User’s access to and use of the Moov Services will be subject to the Financial Institution Card Funding and Disbursement Terms and any applicable Services Terms identified in the Financial Institution Card Funding and Disbursement Terms. For Financial Institution Users, references to “Platform Agreement” in this Platform Agreement will mean the Financial Institution Card Funding and Disbursement Terms and the applicable Services Terms.