Account Terms & Conditions

Terms and conditions

This Account Agreement (the "Agreement") contains the rules that govern your use of IronVest Masked Cards ("Masked Cards" or "Accounts" or "the Service") and card(s) with IronVest, Inc (the "IronVest" or "we" or "us") where appropriate.

The funds in your Account(s) with IronVest are held at Emprise Bank ("Issuing Bank Partner" or "Sponsor Bank" or "Bank," an FDIC insured depository institution). This Agreement is subject to applicable federal laws and the laws of the State of Kansas.

Your IronVest Mastercard Debit Card is issued by Emprise Bank, Member FDIC, pursuant to license by Mastercard International Incorporated.

Your Account(s) is issued and operated by IronVest, Inc ("IronVest"). If you have any questions about this notice, please contact us at support@ironvest.com.

Definitions

Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so that the singular includes the plural and the plural includes the singular.

You (or Your)

Refers to each Account owner and anyone else with authority to create a masked card, deposit, withdraw, or exercise control over an Account. If there is more than one owner, then these words mean each Account owner separately and all Account owners jointly.

Owner

One who has the power to manage or control an Account in their own name.

Account

(Also referred to as a masked card account) Refers to an arrangement by which IronVest accepts a customer's financial assets and holds them on behalf of the customer at their discretion.

Personal Accounts

Accounts in the names of natural persons (individuals).

Masked Card

Refers to IronVest's Mastercard Debit Card, which is issued by the Issuing Bank Partner in the name of the Cardholder for carrying out all Card Transactions from an Account held with IronVest, as provided for in this Agreement.

Cardholder

The person in whose name an Account has been opened and in whose name a Card is issued.

Card Transactions

Any payment made for goods or services, cash withdrawals from a bank or financial institution (including ATM withdrawals) or transfer of funds made through the use of the Card or the Card number.

Financial Services

Refers to a Deposit Account, funds Transfer service, or any other financial product or service available through IronVest.

Disclosure

A document provided by IronVest that outlines all pertinent information about a product or service. A Disclosure is typically provided at Account opening or when a change in the terms of the account occurs.

Consent to terms and conditions and modifications

By enrolling in services or applying for an Account with IronVest, you agree to be bound by the Terms and Conditions of the Account and any fees that may be imposed. The Terms and Conditions of your Account include this Agreement, any disclosures we give you when you open your Account, subsequent disclosures we provide when using additional products and services, periodic statements, user guides, our Privacy Policy, and any other disclosure or terms we provide to you. Continued use of your Account means you agree to these terms, you agree to pay the fees listed, and you give us the right to collect the fees, as earned, directly from your Account balance or any linked external Accounts. If you don't agree to these terms and conditions, you aren't permitted to use the Masked Card Service.

Modifications

We may amend or change any terms of this Agreement or any Account disclosures and documents provided to you. Notice of the amendment or change will be provided to you as required under applicable law.

If at any time the terms, conditions or fees associated with your Account are not acceptable to you, you may terminate this Agreement by closing your Account after paying any fees or charges owed to us. We may cancel or suspend your Account, debit card, or other Account services or this Agreement at any time.

Business days

For purposes of these disclosures, business days are Monday through Friday, unless stated otherwise. Federal holidays are not included.

Waivers and precedents

Any waiver by IronVest must be approved by an authorized representative of IronVest or the Bank. If a waiver is approved by IronVest, we are not obligated to provide similar waivers in the future.

Identification notice (USA PATRIOT Act)

Important information about procedures for opening a new account or establishing a new customer relationship.

To help the government fight the funding of terrorism and money laundering, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account.

This means that when you open an Account or use our services, we may ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask to see other identifying documents such as driver's license or other documents that validate your identity.

Even if you have been an existing customer of ours, we may ask you to provide this kind of information and documentation because we may not have collected it from you in the past or we may need to update our records.

If, for any reason, any Owner is unable to provide the information necessary to verify their identity, their Account(s) may be blocked or closed, which may result in additional fees assessed to the Account(s).

You are responsible for the accuracy and completeness of all information supplied to IronVest in connection with your Account and/or Account services and for keeping your personal data with us updated if you move or otherwise make changes to your personal data.

General terms and conditions

Who can use the service

Only individuals 18 years of age or older who can form a legally binding contract and have a valid residential address in the United States can use our Services. We may impose other restrictions as well.

Personal accounts

An Account opened for personal use cannot be used for business purposes. If your personal Account is identified as being used as a business Account, business-related transactions will be reversed, your Account privileges will be suspended, and your Account may be closed if business related activities continue.

Overview of IronVest services

IronVest's Masked Cards service offers a secure way to shop online by creating virtual debit cards that hide your real banking details. This innovation safeguards your credit, debit, or bank account information, reducing fraud risk. Easily monitor spending and transactions via the IronVest platform, ensuring control over your financial data. Transactions appear as "IronVest, Inc.," protecting your privacy. The service includes biometric security for user authentication and offers instant virtual card generation through browser extensions for convenience. IronVest's Masked Cards blend security with simplicity, providing a safer, streamlined online shopping experience.

Emprise Bank

We have partnered with Emprise Bank, an FDIC insured financial institution, to offer you certain banking services. When you sign up for an Account with us, you will be prompted to agree to Emprise's Privacy Notice. You authorize us to share any of your information with Emprise Bank for the purposes of establishing and administering your Account. It is your responsibility to make sure the data you provide to us is accurate and complete. Because Emprise Bank has its own contractual rules governing use of its services, you must accept Emprise's Privacy Policy before opening your Account.

IronVest will provide you with any and all notifications as well as all customer support related to your Account.

If you have any questions, please contact us at support@ironvest.com.

Electronic delivery of insurance disclosures

You agree to receive your insurance-related disclosures, including the Mastercard Guide to Benefits, electronically. You understand that:

• You may withdraw your consent at any time by calling IronVest at 1-(800) 928-1987 telephone or via email at support@ironvest.com.
• You can request a paper copy sent to the address on file at no charge.
• You must maintain a valid email address and internet access.

This consent is required in order for IronVest to send you legally required disclosures digitally under the Electronic Signatures in Global and National Commerce Act (E-SIGN).

Connected accounts

To ensure a more valuable experience with IronVest, IronVest uses Plaid Technologies, Inc. ("Plaid") and Stripe, Inc. ("Stripe") to gather your data from external financial institutions you connect via the IronVest App. By using our service, you grant IronVest, Plaid, and Stripe the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution(s). You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy at plaid.com/legal. You agree to your personal and financial information being transferred, stored, and processed by Stripe in accordance with Stripe's Privacy Policy at stripe.com/privacy.

Account balances & confidentiality

Account balances

You agree to maintain a positive balance and will not incur overdrafts. If you manage your Account in such a way that it results in a negative balance or becomes overdrawn, you agree to rectify the matter by transferring sufficient funds from your linked external Account or external debit or credit card to pay the overdrawn balance. If a Masked Card is overdrawn or the charge to fund a successfully used Masked Cards fails to process, you authorize IronVest and Stripe to take any of the following actions to recover the remaining amounts from you:

• Debit the debit or credit card or bank account linked to your paid subscription
• Debit any of your paid subscription and require your immediate payment; or
• Engage in collective efforts.

Your failure to bring your Account to a positive balance could result in the temporary or permanent suspension of your Account and services. Further consequences may be enacted if you do not remedy the situation in a timely manner and may include (1) freezing your Account until the negative balance is rectified, (2) the reporting of your negative balance to a reporting agency, and/or (3) legal action.

Confidentiality

We will disclose information about your Account or the transactions you make to third parties:

• When it is necessary to complete transactions
• To verify the existence and standing of your Account with us upon the request of a third party, such as a credit bureau or merchant
• In accordance with your written permission
• In order to comply with court, governmental, or administrative agency summonses, subpoenas, or orders
• On receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.

Masked Cards & premium subscription

Masked Cards

A Masked Card can be created within your IronVest account with a minimum funding of ten dollars ($10) and a maximum of four hundred dollars ($400). Each Masked Card is funded individually, with all funding source methods detailed in the Deposits and Withdrawals section.

For more information on how to use your Masked Cards, refer to Masked Card Services.

Premium subscription

The Masked Card service is offered solely to individuals holding an active premium subscription. The premium subscription fee, as detailed in ironvest.com/pricing, is billed immediately upon subscription and annually thereafter. All new subscriptions include a 14-day money-back guarantee, allowing for a full refund if cancelled within 14 days of purchase. If you cancel your subscription after the 14-day period, you will retain full access to the premium subscription for the remainder of the year. Access will be revoked at the end of the year. Those without a premium subscription are prohibited from creating or utilizing Masked Cards.

IronVest reserves the right to introduce additional subscription plans at any time. Feature availability, inclusive of Masked Cards, is subject to the selected plan.

For subscription refunds or inquiries, please direct communication to support@ironvest.com.

Account closing, dormancy & legal processes

Account closing

If you wish to close your Account with us, you agree to withdraw all of the funds from your Account. We may require you to notify us of this intention in writing. After an Account is closed, we have no obligation to accept deposits or pay outstanding items. However, we may do so at our discretion. You agree to hold us harmless for refusing to honor any item on a closed Account. If funds remain in the Account after you have notified us of your intent to close your Account, we will require you to submit your request to us in writing, and we will then return any remaining funds to your linked external Account. If returning the remaining funds to your linked external Account is unsuccessful, a check will be issued for the remaining funds over fifteen (15) dollars and sent to the address on file and will take around 4-6 weeks for you to receive your check. If you have a balance less than fifteen (15) dollars, you will need to use your card or transfer the funds out of your IronVest account. If your balance is below $15 and you do not initiate withdrawal activity before the dormancy period ends, the funds will be subject to state unclaimed property laws and may be transferred to the appropriate state agency. If your account is closed or otherwise terminated and the remaining balance is less than five (5) dollars, IronVest reserves the right not to return the remaining funds. All related closing fees will be deducted from the final balance.

Foreign activity

If you have moved outside of the United States or have frequent international transactions, you may be contacted about the international activity in your Account and for further verification of your address. If you are moving, traveling, or will be temporarily residing overseas, we recommend you contact us to prevent any disruption in your Account activity. Your Account may be closed if you no longer reside in the United States.

Inactive and dormant accounts

We may consider a Deposit Account to be inactive after a period of no owner-initiated activity of 120 days. After the Account has been deemed inactive, we may consider a Deposit Account to be dormant, at which time it will be closed. However, if we close your Account for inactivity, state escheat laws may, depending on the length of the inactivity, require us to transfer your balance to a state agency. If this occurs, you may be able to file a claim with that agency to recover the funds.

If the Account becomes inactive or dormant, the Account will continue to be subject to any service charges in accordance with our Schedule of Fees and Charges. If an Account becomes inactive, we will notify you with specific instructions on how to restore the Account to an active status without the need to make any transactions.

Death or incompetence

You or your appointed party, designee, or appointed individual agree to notify us promptly if any person with signatory rights on your Account dies, becomes legally incompetent, or incapacitated. We may continue to honor any items submitted until (i) we know of the fact of death or of a legal determination of incompetence or incapacitation and (ii) we have had a reasonable opportunity to act on that knowledge. You agree that, even if we have knowledge of the death of a person with signatory rights, we may pay on items drawn on or before the date of death for up to ten (10) days after that date, unless ordered to stop payment by someone claiming an interest in the Account. We may require additional documentation to confirm any claims made on the Account.

Levies, garnishments, and other legal processes

If your Account becomes subject to legal action, such as a tax levy or third-party garnishment, we reserve the right to refuse to pay any money from your Account, including checks or other items presented for payment, until the action is resolved. If we are required to pay an attachment, garnishment, or tax levy, we are not liable to you. Payment is made after satisfying any fees, charges, or other debts owed to us. You agree that you are responsible for any expenses, including legal expenses and fees we incur due to a garnishment, levy or attachment on your Account. We may charge these expenses to your Account. Until we receive the appropriate court documents, we may continue to process transactions against your Account, even if we have received an unofficial notification of an adverse claim. You will indemnify us for any losses if we do this.

Deposits and withdrawals

Unless otherwise indicated by us, anyone who is listed as an Account owner may withdraw or transfer all or any part of the Account balance at any time on forms approved by us or with your Masked Card or other available services.

We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or that exceeds any frequency or monetary limitations. Even if we honor a nonconforming request or allow a transaction or transaction(s) to overdraw your Account, repeated abuse of the stated limitations, or regularly overdrawing your Account, may force us to close the Account. We will use the date a transaction is completed by us (as opposed to the day you initiated it) to apply the frequency limitations.

Automated Clearing House deposit

In order to transfer funds from an Account that you own or have control of at another financial institution to your Account at IronVest using the Automated Clearing House (ACH) Funds Transfer service, we use Plaid to gather your data from the external financial institution(s) you connect via the IronVest App. By using our service, you grant IronVest and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution(s). You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy at plaid.com/legal. ACH transactions will not be processed and accessible until the service is activated by us. Funds from these types of deposits will not be available until after the funds have settled. In the event that an ACH transaction is returned or fails for any reason, you authorize IronVest to pull the funds from your debit or credit card on file as a fallback payment method.

Cash deposits

We do not accept cash deposits. Please do not send cash deposits through the mail. In the event that a cash deposit is received for your Account, you agree that IronVest's determination of the amount of the deposit will be final. We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not received by us.

Debit or credit card linking

You can link an external Debit or Credit Card to your IronVest Account. You'll be able to make one time payments to your IronVest Account. The name on your debit or credit card must match the name on your IronVest Account. Funds from these deposits will not be available until after the funds have settled.

Deposited items returned

If final payment is not received on any item you deposited to your Account, or if any ACH deposit, or Electronic Fund Transfer to your Account is returned to us for any reason, you agree to pay us the amount of the return. In the event that an ACH transaction is returned or fails for any reason, you authorize IronVest to pull the funds from your debit or credit card on file as a fallback payment method.

We may charge any Account of which you are an owner or re-present any item you deposit with us that is returned to us unpaid without prior notice to you. We may charge a fee for returned deposited items in accordance with our Schedule of Fees.

You authorize us to attempt a collection of previously returned items that you deposited. In our attempts to collect these items, you agree that we may allow the payor bank (the bank on which the item is drawn) to hold the item beyond its midnight deadline. If an item you deposit is returned unpaid, you waive the requirement for notice of this return.

If a claim is made on any item subsequent to final payment on the grounds that the item was altered, bears a forged or unauthorized endorsement, or was not otherwise properly payable, we may withhold credit for the item from your Account until final determination of the claim. In addition, we will not be liable for a check, draft, or other item that you deposit that has been forged or altered in such a way that a reasonable person could not discover the forgery.

Funds availability policy

Information contained in this section is to assist you in understanding our Funds Availability Policy. IronVest does not accept in-person or mailed deposits.

It is our policy to review each deposit and determine how the funds are being deposited. We make the funds available to you according to the deposit type and when the funds are applied to your Account. Some deposit types may not be available for immediate use. When we delay the availability of funds or place a hold on a deposit made to your Account, you may not withdraw those funds, and we will not use them to pay bills or other debits, such as ACH withdrawals or wire transfers, during the hold period.

We reserve the right to refuse any deposit. If final payment is not received on any item you deposited to your Account, or if any direct deposit, ACH deposit or Electronic Fund Transfer to your Account is returned to us for any reason, you agree to pay us the amount of the return, plus any fee in accordance with our Schedule of Fees and Charges.

Availability

The length of delay in the availability of funds varies depending on the type of deposit. Special rules may apply to new Accounts.

Business days

The length of delay in the availability of funds is counted in business days from the day your deposit is applied to your Account. Deposits received after 5:00 PM (CST) will be considered to be received on the next business day.

Special rules for new accounts

Special rules apply during the first thirty (30) days of any new Account you open with IronVest:

• Funds from wire transfers or ACH direct deposits will be available on the same business day after the deposit is applied to your Account.
• All check deposits may be held for an extended period of time but no longer than nine business days after deposit is received.

Masked Card services

Consistent with applicable law, you may use your virtual debit card to perform most routine transactions on the Accounts that are accessible by your virtual debit card, such as to:

• Obtain your most recently available Account balance
• Pay for purchases at places that have agreed to accept the card

Some of the above services may not be available at all locations.

Authorized card users

You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card.

International transactions

International transactions made using your Masked Card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion.

ATM deposits

Your IronVest Masked Card does not permit deposits at ATMs.

Masked Card point-of-sale transactions

You may use your Masked Card to purchase goods and services from any merchant who accepts Mastercard. The amount of all purchases will be deducted from your IronVest Account. When you make a purchase through the Card network, we may place a hold on the funds in your IronVest Account in the amount that may be necessary to cover the amount of the transaction. (Please see Preauthorization Holds below for additional information.)

Be careful if you use a Masked Card for recurring charges, like subscription services. For recurring charges, it's your responsibility to ensure that there is enough value and time expiration on the Masked Card you're using. We are not liable if the Masked Card gets declined and you lose access to a recurring service. We aren't responsible for any late fees, service terminations, or other problems that arise because of declined transactions.

Transactions using your virtual card number

We only offer virtual cards. These can only be used as Card not present transactions (such as for mail order, internet purchases, telephone purchases, a Prefunded Check purchase, or an ACH debit purchase). These transactions have all the same legal effects as if you used the card itself.

Limitations on frequency of Masked Card transactions and cash withdrawal limits

Frequency-of-use limitations are imposed on card transactions for security reasons and for the protection of your Account. They are not disclosed for this reason and may be changed at any time. You will be denied the use of your card if:

• You exceed the daily purchase limit
• You do not have sufficient available funds in your Account
• You exceed the limit on the number of times you can use your card each day

Preauthorization holds

When your Masked Card or other network enhancement feature related to the Card is used at a point-of-sale location to obtain goods and services, the merchant may attempt to obtain preauthorization from us for the transaction. We may place a temporary hold on your Account for the amount of the preauthorization request based on the merchant type. This hold can range from two (2) to thirty (30) days (depending on the merchant's request) and may vary from the amount of the actual purchase in some instances. The funds will be held on your Masked Card and can't be used. It will show up as "pending" to you when you view your transaction details on your IronVest Masked Card account. If the preauthorization request varies from the amount of the actual transaction, payment of the transaction may not remove the hold, which will remain on the Account until the end of the hold period. This hold may affect the availability of funds from your IronVest Account to pay other transactions. We will not be responsible for damages for wrongful dishonor of any items that are not paid because of the hold.

Expired or deactivated Masked Cards

All Masked Cards have an expiration date. If the Masked Card expires or if you deactivate it, the Masked Cards will be auto closed and a refund of any funds you've placed on the Masked Card (less any purchases or other fees) will be returned back to the original payment method (linked external account, credit/debit card and/or their bank account) on or around the Masked Card's expiration date or the date of deactivation. If your billing or contact information is incorrect or out of date, we may not be able to issue an automatic refund and will try to contact you to refund you. If we're unsuccessful, applicable law may require us to report the balance on the Masked Card as unclaimed property, and we may be required to deliver any value remaining on it to the state as unclaimed property.

Electronic Funds Transfer disclosures

We offer Account services that may be considered Electronic Funds Transfers ("EFTs"), which include, but are not limited to the following:

• ACH Transactions (which may include, but are not limited to pre-authorized withdrawals and online transfers).
• IronVest Masked Card transactions
• Transfers initiated through the IronVest app

This EFT disclosure, as required by Federal Regulation E - Electronic Fund Transfer Act provides information that describes your rights and responsibilities regarding these services. Electronic Funds Transfers are services that we can provide, assuming that you specifically request and arrange them and qualify for the service.

Preauthorized Electronic Funds Transfers

You may arrange to have certain recurring withdrawals automatically paid (debited) from your Account. For example, you may arrange to have insurance premiums paid automatically. These preauthorized transfers are governed by federal regulations pertaining to EFT services that entitle you to certain protections. Requests for these services must be authorized by you, in writing, to the Originator of the transaction prior to becoming effective.

Right to stop payment of preauthorized Electronic Funds Transfers

If you want to permanently revoke an EFT (either debit or credit) you authorized from a third party, you will need to first send written instructions to the originating third party to cancel your ACH transfer.

If you have authorized regular payments out of your Account, you can stop any of these payments by notifying Customer Service by calling IronVest 1-(800) 928-1987 or via email at support@ironvest.com. If you notify us by telephone, you may be required to confirm the information provided by writing to us at support@ironvest.com.

Your request must include your Account number, the name of the payee, the amount of the item to be stopped, and the date payment was scheduled to be made. This request needs to be received by us three (3) or more business days before the payment is scheduled to be made. If your request is by telephone or email, we may also require you to put your request in writing and ensure that it is received by us within fourteen (14) days after your call or email.

You are subject to the general rules of Stop Payments in this Agreement.

Stop payments

If you request that we stop payment on any preauthorized transfer according to the requirements above and we fail to do so, we will be liable for your proven loss or damages, unless:

• You failed to give us enough information, proper instructions, or sufficient time to act on the stop payment or
• We do not receive written confirmation of your telephone or email request to stop payment within fourteen (14) calendar days, and the preauthorized transfer occurs after the fourteen (14) calendar days.

In any case, we will only be liable for actual proven damages if the failure to stop payment on your transaction resulted from an error on our part, despite our procedures to avoid such errors. If we pay a preauthorized transfer despite your valid and timely stop order request, we may recredit your Account. If we do this, you will sign a statement describing the dispute with the payee. You agree to transfer to us all of your rights against the payee. In addition, you will assist us in any legal action taken against the payee.

Additionally, if you want to permanently revoke a recurring preauthorized EFT, you will need to first send written instructions to the originating third party to cancel your preauthorized transfer. We may ask you to provide us with a copy of your letter to the originating third party and sign an Affidavit revoking authorization.

Our liability for failure to complete an Electronic Fund Transfer

If we fail to complete an EFT transaction on time or in the correct amount when properly instructed by you, we will be liable for damages caused by our failure unless:

• There aren't sufficient funds in your Account to complete the transaction through no fault of ours.
• The funds in your Account aren't available at the time the EFT posts to your Account.
• The funds in your Account are subject to legal process.
• Your card has been compromised and you are using the compromised card.
• We have a reason to believe that the transaction requested is unauthorized.
• The failure is due to an equipment breakdown that you knew about when you started the transaction at a merchant terminal.
• You attempt to complete a transaction at a merchant terminal that is not a permissible transaction listed above.
• The transaction would exceed security limitations on the use of your debit card.

In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error despite our procedures to avoid such errors.

Unauthorized transfers

Tell us immediately if you believe your debit card has been compromised or if you believe that an EFT has been made without your permission. Contacting us by phone or email is the best way to keep your potential losses down.

If you tell us within two (2) business days after you learn of the compromised debit card, you can lose no more than $50 if someone used your debit card and/or PIN without your permission.

If you do NOT tell us within two (2) business days after you learn of the compromised debit card and we can prove we could have stopped someone from using your debit card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after your Account statement is made available to you, you may not get back any money you lost after the sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion.

You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form.

Errors or questions and how to contact us

In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by email at support@ironvest.com. You may be required to confirm the information in writing within ten (10) business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form.

If you believe an EFT transaction was processed in error or was unauthorized or if you need more information about a transfer listed on your statement or receipt, you must contact IronVest no later than sixty (60) days after the problem or error first appeared on your statement.

In your communication with us, please provide the following information:

• The Account name, Account number, and last four digits of the debit card number, if applicable
• A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why you need more information
• The dollar amount of the suspected error
• The date of the suspected error

When we receive your dispute notification, we will advise you of the status of our investigation within ten (10) business days. In all cases, we will correct any error promptly.

If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ACH transactions. For errors involving new Accounts (an account that was first funded within 30 days prior to the error), point-of-sale transactions, or foreign initiated transactions, we may take up to 90 calendar days to investigate your complaint or question. If this is necessary, we will provisionally credit your Account for the amount you believe is in error within ten (10) business days of your original complaint or question. If we do not receive written confirmation of your questions or complaint within ten (10) business days, we may decide not to provisionally credit your Account.

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

We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If provisional credit was given, and it is determined that there was no error, you must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5) business days, and then we may deduct those amounts from your Account without further notice.

Debit card revocation

You agree that your debit card remains the property of the Issuing Bank Partner and shall 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.

If you do not use your debit card for 90 days or we believe the Card may be compromised or used improperly, it may be canceled for security reasons and will be unusable. This may occur without prior notice to you.

If your Card is reissued or reactivated, we may charge you a fee for its reissue and/or replacement in accordance with our Schedule of Fees and Charges.

Fees and charges

You will pay any applicable fees and charges we assess for your Card services and/or other electronic services that you select. Applicable fees will be deducted from your Account and listed on your Account statement. These charges and fees are assessed in accordance with our Schedule of Fees and Charges.

Passwords and passcodes

Password and passcode

You will be prompted to establish a password, otherwise known as login credentials, during your IronVest enrollment. Depending on your mobile application settings, you may be required to enter your full password for subsequent logins to the IronVest mobile application to view your Account(s), Card information, and other IronVest services. Your IronVest password may be changed at any time after you've signed into your mobile app session by following the steps for resetting your Password, which is available in Settings. IronVest encourages all customers to secure their IronVest application using advanced security (e.g. facial recognition).

Your login credentials are personal and confidential. Your login credentials are another security method that maintains the security of your Account and the transactions you process through the mobile app. It is a security method by which we help you maintain the security of your Account.

Therefore, you agree to take all reasonable precautions to protect the confidentiality of your login credentials, PIN and/or other access devices. Furthermore, you agree that you will not:

• Reveal your login credentials or any other access device information to anyone
• Write your login credentials for your card or mobile app down
• Leave your mobile or other device unattended after you have logged on

Funds Transfer service

"Funds Transfer" is an electronic transfer service provided by IronVest and powered by the Issuing Bank Partner that enables you to securely transfer funds from an Account at another financial institution to your Account with us, and/or from your Account with us to an Account at another financial institution. Prior to use, you are required to register your external bank Account for verification and security purposes. Once your Funds Transfer service is active, please refer to the Funds Availability Policy to see when your Funds will be available for your use in your Account. In all cases, funds may be held until we receive verification that the transaction has settled.

By using the Funds Transfer Service, you agree that the Bank will transfer funds through ACH services and that the transaction is subject to completion upon our final review and verification. You agree that such requests constitute authorization for such transfers. This authorization is to remain in full force until the Bank has received written notification from you of its termination, you have electronically deleted a registered bank Account or credit card from the Funds Transfer Service, or you have electronically canceled an Account and/or transfers from the Funds Transfer Service in a time and manner that would allow the Issuing Bank Partner and the other financial institution a reasonable opportunity to act on it.

This service may be subject to a fee in accordance with our Schedule of Fees and Charges. This service may not be available for all customers and/or Account types.

By using the Funds Transfer Service, you are certifying that the registered external Accounts that you transfer funds to and from and the debit or credit cards used to transfer from are under the same ownership as the Account with us. If the Accounts are not titled the same or ownership among the transferring Accounts changes, you will indemnify us for any losses incurred as a result of any transaction you initiate between these Accounts that is later returned or is reported unauthorized. If you initiate a transfer that is found to be unverifiable or is unable to be completed for other reasons, you agree to hold us harmless for any loss resulting from the incomplete transfer. If a transfer is made from a third party's Account or registered as an external deposit Account before we detect it, we may without notice to you place those funds on hold and debit your Account and return the funds to the third party's Account in the form of a bank check or EFT once we have confirmed the funds cleared the external Account.

If you use the Funds Transfer Service to transfer funds to or from an Account that has multiple owners, you agree that each owner authorizes the others to (a) register any external bank Account, as permitted by the Funds Transfer service, (b) initiate the transfer of funds between your Accounts with us, as permitted by the Funds Transfer service, and (c) initiate the transfer of funds between your Account(s) with us and any registered external bank Account. This authority will cease only after we have received and have been given a reasonable amount of time to act on the appropriate documentation needed to change or remove the owner from the Account. Each external bank Account Owner agrees to be jointly and severally liable to IronVest for any losses incurred as a result of the improper use of this service up to and including the transfer amount, any applicable fees, and any legal expenses. Your Funds Transfer request will only be completed if you have sufficient funds in the Account from which you wish to transfer funds and the Accounts are linked for transfer capabilities. Funds Transfer transactions are subject to dollar amount limitations, which are determined by us and may be set according to your Account type and/or the type of Funds Transfer Service you are using. These limitations are set for security reasons and are not disclosed for that reason.

IronVest reserves the right to limit the number of external Accounts that can be linked to your Account for purposes of transferring funds; to limit functionality of the Funds Transfer Service by imposing limits, holds, or other measures; and to close your Account if unlawful activity is found or suspected.

Truth in savings & fees

Truth in savings

There is no minimum opening deposit requirement to open an IronVest Account. There are no maintenance fees on the IronVest Accounts. There is no minimum balance required.

Fees

Fees are charged in accordance with our fees outlined below. If we assess a fee for any other service or make a change to our Schedule of Fees and Charges, we will let you know in advance.

To the extent you access our Services through a mobile device, your wireless service carrier's charges, data rates, and other fees may apply.

Schedule of fees and charges

Rights to setoff, taxes & severability

Rights to setoff

If you owe us any amount, you give us a security interest in your IronVest Account. You also give us the right, to the extent not prohibited by law, to set off against your funds to pay the amount owed to us. You agree that the security interest you have given us is consensual and is in addition to our right to setoff. If we exercise our right to set off, we will notify you to the extent required by law.

Taxes

You are responsible for reporting any required Account information to tax authorities and paying any taxes related to your Account.

Severability

If any provision of these Terms is found unenforceable, then that provision will be severed from these Terms and not affect the validity and enforceability of any remaining provisions.

Invalidated provisions

If an arbitrator or court finds any provision of this Agreement to be invalid, you and IronVest agree that the arbitrator or court should give valid effect to the intention of that provision, and that the remainder of the Terms remain in full force and effect.

Arbitration

• You will only be permitted to pursue claims against us on an individual basis, not as a plaintiff or class member in any class or representative actions or proceeding.
• You will only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis.
• You may not be able to have any claims you have against us resolved by a jury or in a court of law.

Dispute resolution

Governing law

This Agreement will be governed according to the laws of the State of Kansas, and all activities performed in connection with our services will be deemed to have been performed in the State of Kansas. Any controversy, dispute, or claim arising out of or relating to our services or this Agreement will be governed by and construed in accordance with the laws of the State of Kansas, except the provisions concerning conflicts of law.

Disputes

If a dispute arises between you and IronVest, our goal is to learn about and address your concerns, so please send a message to support@ironvest.com. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly.

Arbitration

This section affects your rights. Please read carefully before agreeing to these Terms.

To resolve disputes in the most expedient and cost-effective manner, you and IronVest agree that any dispute arising in connection with our services will be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief on an individual basis that a court can award.

Our agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of our services, whether based in equity, contract, tort, statute, fraud, misrepresentation or any other legal theory, and regardless of whether the claims arise during or after the termination of our services. All issues are for the arbitrator to decide, including issues relating to the scope, enforceability, and arbitrability of these Terms.

You understand and agree that, by entering into these Terms, you and IronVest are each waiving the right to a trial by jury or to participate in a class action in court or in arbitration.

We both agree that nothing in this Agreement will be deemed to waive, preclude, or otherwise limit either of our right to (i) bring an individual action in small claims court, or (ii) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available.

Any arbitration between you and us will be governed by the American Arbitration Association's ("AAA") rules and procedures, including the AAA's Consumer Arbitration Rules (collectively, the "AAA Rules"), as modified by this Agreement. For information on the AAA, please visit its website, adr.org. Your arbitration filing fees will be governed by the AAA Rules. If it is determined by the arbitrator that you cannot afford such fees, we will pay all arbitration fees and expenses. If there is any inconsistency between any term of the AAA Rules and this Agreement, this Agreement will control.

Any arbitration hearings will take place at a location to be agreed upon in the State of Kansas. You or IronVest may choose whether the arbitration will be conducted:

• Solely on the basis of documents submitted to the arbitrator
• Through a nonappearance based telephonic hearing; or
• By an in-person hearing as established by the AAA Rules.

All aspects of the arbitration proceeding and any ruling, decision, or award by the arbitrator will be strictly confidential for the benefit of both you and us.

You and IronVest agree that each may bring claims against the other only in your or IronVest's individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

You agree that the enforceability of these arbitration provisions will be determined by the arbitrator as provided in the AAA Rules. You agree that the arbitration provisions of this Agreement in effect at the time of demand or action, and not the time of your or our alleged injury, will be the provisions that will be applied by the arbitrator or a court.

Except as otherwise agreed by the parties above, you agree that any claim that you have against us must be resolved by a court located in Kansas. You agree to submit to the personal jurisdiction of the courts located in the Issuing Bank Partner County, for the purpose of litigating any claim.