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IMPORTANT: PLEASE READ

The features of Apple Cash are services provided by Green Dot Bank or Apple
Payments Inc. as described in the following terms and conditions. By using Apple
Cash, you are agreeing to be bound by the following terms and conditions, which
include your agreement to receive all Apple Cash communications electronically,
provide certain personal information to Green Dot Bank, Apple Payments Inc., and
their affiliates, and resolve all disputes through binding individual
arbitration. Fee information for Apple Cash is provided below the following
terms and conditions.

 A. APPLE CASH TERMS AND CONDITIONS
 B. ELECTRONIC COMMUNICATIONS AGREEMENT
 C. GREEN DOT BANK PRIVACY POLICY
 D. DIRECT PAYMENTS TERMS AND CONDITIONS
 E. DIRECT PAYMENTS PRIVACY NOTICE
 F. APPLE PAYMENTS INC. LICENSES

Monthly fee Per purchase ATM withdrawal Cash reload $0 $0 N/A N/A ATM balance
inquiry N/A Customer service $0 Inactivity $0 We charge 1 other type of fee. It
is: Instant transfer to a debit card Effective 8/26/21:
1.5%, subject to a $0.25 minimum and $15 maximum
Until 8/26/21:
1%, subject to a $0.25 minimum and $10 maximum

Monthly fee Per purchase ATM withdrawal Cash reload $0 $0 N/A N/A ATM balance
inquiry N/A Customer service $0 Inactivity $0 We charge 1 other type of fee. It
is: Instant transfer to a debit card Effective 8/26/21:
1.5%, subject to a $0.25 minimum and $15 maximum
Until 8/26/21:
1%, subject to a $0.25 minimum and $10 maximum


NO OVERDRAFT/CREDIT FEATURE.

Register your card for FDIC insurance eligibility and other protections. For
general information about prepaid accounts, visit cfpb.gov/prepaid. Find details
and conditions for all fees and services in the Apple Cash Terms and Conditions.


LIST OF ALL FEES FOR APPLE CASH

All fees Amount Details Transfer money Instant transfer to a debit card
(until August 26, 2021) 1% Percentage taken of the amount of each transfer. Fee
is rounded to the nearest cent, subject to a $0.25 minimum and $10 maximum.
Instant transfer to a debit card
(effective August 26, 2021) 1.5% Percentage taken of the amount of each
transfer. Fee is rounded to the nearest cent, subject to a $0.25 minimum and $15
maximum.

All fees Amount Details Transfer money Instant transfer to a debit card
(until August 26, 2021) 1% Percentage taken of the amount of each transfer. Fee
is rounded to the nearest cent, subject to a $0.25 minimum and $10 maximum.
Instant transfer to a debit card
(effective August 26, 2021) 1.5% Percentage taken of the amount of each
transfer. Fee is rounded to the nearest cent, subject to a $0.25 minimum and $15
maximum.

Register your card for FDIC insurance eligibility and other protections. Your
funds will be held at or transferred to Green Dot Bank, an FDIC-insured
institution. Once there, your funds are insured up to $250,000 by the FDIC in
the event Green Dot Bank fails, if specific deposit insurance requirements are
met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for
details. Green Dot Bank operates under the following registered trade names:
GoBank, Green Dot Bank, and Bonneville Bank. All of these registered trade names
are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits
under any of these trade names are deposits with Green Dot Bank and are
aggregated for deposit insurance coverage.

No overdraft/credit feature.

Contact Green Dot Bank by calling (877) 233-8552, by mail at P.O. Box 5100,
Pasadena, California 91117, or visit www.greendot.com.

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

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APPLE CASH TERMS AND CONDITIONS

These Apple Cash Terms and Conditions (these “Terms”) are a legal agreement
between you (“you” or “your”) and Green Dot Bank, member FDIC (“Bank”, “we”,
“us”, or “our”), that govern your use of Apple Cash, including the Apple Cash
Card and the Funds Transfer Service (each, as defined below), which allows you
to send and receive money and make purchases with Apple Pay (collectively, the
“Services”).

In addition to the Services provided by us, Apple Cash supports additional
features that are provided by Apple Payments Inc. (“Apple Payments”) or other
third parties. These features are described in greater detail below in Section
6, entitled “Other Apple Cash Features”.


1. THE SERVICES


A. GENERALLY.

The Services consist of two separate functions that we will provide unless we
otherwise designate a third party to perform any part of those functions: (i)
the “Apple Cash Card”, which is a virtual payment card that is issued by Bank or
another card issuer that we designate; and (ii) the “Funds Transfer Service”,
which is a service that allows you to: (a) send money to other individuals that
are eligible to use the Services and have accepted these Terms (each such
person, a “User”, and each such transfer, a “P2P Transfer”), (b) load funds onto
your Apple Cash Card with a Supported Payment Card (as defined below), and (c)
transfer money from your Apple Cash Card to your designated bank account at a
U.S. financial institution (a “Bank Transfer”). Each aspect of the Services,
including the conditions and limitations on their use, is described in greater
detail below.


B. APPLE CASH ACCOUNT WITH BANK.

When you accept these Terms, you will be creating a user account with us for
your use of the Services (your “Apple Cash Account”), which includes: (i) an
account that will receive and hold your funds and which is accessible via your
Apple Cash Card (your “Payment Account”); and (ii) a record of your use of the
Funds Transfer Service and other Apple Cash features. Unless otherwise expressly
noted, references to your Apple Cash Account include all Services provided
through the account, including any Family Accounts (as defined below) that you
establish. Please see Section 5 below entitled “Apple Cash Family” for more
information on Family Accounts. References to funds maintained on your Apple
Cash Card mean funds in your Payment Account.


C. ELIGIBILITY.

The Services may only be used for personal, non-commercial purposes. Except as
specified below in Section 5 entitled “Apple Cash Family”, in order to create an
Apple Cash Account and use the Services, you must: (i) be 18 years of age or
older and a citizen or lawfully residing in one of the 50 states of the United
States and the District of Columbia (collectively, the “U.S.”); and (ii) accept
and agree to these Terms, the Electronic Communications Agreement, and our
Privacy Policy. Additionally, you must: (i) have an iPhone, iPad, or Apple Watch
that is capable of utilizing Apple Pay, has a version of operating software that
supports the Services, and has internet access through a wireless operator (an
“Eligible Device”); (ii) have an Apple ID that is in good standing with Apple,
as well as a valid email address associated with your Apple ID; and (iii)
provide information requested by Bank from time to time. If your access to or
use of the Services is prohibited by applicable law, you are not authorized to
access or use the Services. We are not responsible if you access or use the
Services in any manner that violates applicable law.


D. LIMITED TO USE WITH ELIGIBLE DEVICES VIA APPLE PAY.

The Services may only be used with Eligible Devices on the Apple Pay platform.
Therefore, you must have Apple Pay enabled on an Eligible Device in order to
access or use the Services, and your use of the Services is subject to the terms
and conditions that Apple may establish from time to time regarding the use of
Apple Pay and other limitations of the Apple Pay platform. For example, you will
only be able to use your Apple Cash Card at merchants that accept Apple Pay as a
payment method. Currently, Apple Pay is accepted for in-store transactions with
merchants that have payment terminals that support Near Field Communication
(NFC) and within applications and on websites that have integrated Apple Pay as
a payment method. Similarly, only other Users will be able to receive P2P
Transfers from you.

Because the use of Apple Pay requires a valid Apple ID, you must have a valid
Apple ID that is in good standing with Apple to create an Apple Cash Account and
use the Services. If you delete your Apple ID, get rid of your Eligible Device,
disable security features on your Apple ID that Apple requires to access or use
features of Apple Pay, or otherwise cease to have an Apple ID that is in good
standing or an Eligible Device, you may not be able to use or continue to use
the Services (in whole or in part). Prior to deleting your Apple ID or getting
rid of your Eligible Device, we encourage you to spend or transfer any funds
maintained on your Apple Cash Card.

As described in greater detail below, certain aspects of the Services require
that you have a debit or eligible prepaid card issued by a U.S. financial
institution provisioned to your Eligible Device(s) for use with Apple Pay (each,
a “Supported Payment Card”). Credit cards are not Supported Payment Cards and
therefore cannot be used to fund a P2P Transfer or to add funds to your Apple
Cash Card. If you do not have a Supported Payment Card, certain aspects of the
Services will not be available to you. Additionally, certain features of the
Services may be limited to Supported Payment Cards that are issued on a
particular payment network. Only Supported Payment Cards that are issued by
financial institutions located in the U.S. may be used in connection with the
Services. However, not all Supported Payment Cards available for use with Apple
Pay may be used in connection with the Services, and we reserve the right to
limit the use of Supported Payment Cards in connection with the Services.

While the Services have been incorporated into, and are limited to use on, the
Apple Pay platform, the Services are provided by Bank and its designees, and not
Apple or Apple Payments. Notwithstanding the foregoing, your access to and use
of the Services may be subject to separate agreements with third parties, such
as your agreements with Apple regarding your use of Apple Pay, with Apple
Payments regarding your use of the Direct Payments Service (as defined below),
or with the issuer of your Supported Payment Card. You agree to comply with such
agreements in connection with your access to and use of the Services. However,
you acknowledge and agree that we are not a party to those agreements and are
not responsible for those third parties or any products or services provided by
them.


E. USE OF THE SERVICES ACROSS ELIGIBLE DEVICES.

Your Apple Cash Account will be associated with your Apple ID. Therefore, you
may access your Apple Cash Account and use the Services with all of your
Eligible Devices that are associated with your Apple ID. You acknowledge that
these Terms will govern the use of the Services across all of your Eligible
Devices and that you will only be presented with these Terms at the time you
initially create your Apple Cash Account.


F. REGISTERING YOUR APPLE CASH ACCOUNT WITH BANK.

As provided in Section 2 below entitled “Required Personal Information”, in
order to use certain functions or features of the Services (including contacting
Bank’s customer service to discuss your Apple Cash Account or establishing a
Family Account), we may require you to provide us with certain identifying
information about you so that we can verify your identity. If we are able to
verify your identity, your Apple Cash Account, including your Payment Account,
will be registered to you. In addition to providing identifying information when
requested by us, you may initiate this identify verification process and
register your Apple Cash Account at any time directly from your Eligible Device.
Please see Section 2 below entitled “Required Personal Information” for more
information.

We encourage you to register your Apple Cash Account as soon as possible. Your
Payment Account may not be subject to certain protections unless you register
your Apple Cash Account. For example, unless you register your Apple Cash
Account, we may not research or resolve errors regarding your Payment Account,
and the money in your Payment Account will not be eligible for FDIC insurance.
Please see Section 11(A) entitled “FDIC Insurance” below for more information.


G. PROTECT YOUR APPLE CASH ACCOUNT INFORMATION, CREDENTIALS, AND ELIGIBLE
DEVICES LIKE YOU WOULD PROTECT CASH.

You are solely responsible for maintaining the security of your Eligible Devices
and the authentication credentials used in connection with the Services,
including your Apple ID password, Touch ID or Face ID information, and the
passcode to your Eligible Device(s) (collectively, your “Credentials”). If you
authorize or allow anyone else to use your Apple Cash Account (e.g., by
providing the passcode to your Eligible Device, allowing a third party to
utilize Touch ID or Face ID on your Eligible Device, or otherwise providing any
of your Credentials to a third party), the person may be able to make payments
with your Apple Cash Card and send your money through the Funds Transfer Service
to another User or a bank account, and you will be responsible for all
transactions on your Apple Cash Account made by that person.


H. YOUR RIGHT TO SUSPEND OR CLOSE YOUR APPLE CASH ACCOUNT.

You may suspend your Apple Cash Account from any Eligible Device you have
provisioned it to at any time. If you suspend your Apple Cash Account from an
Eligible Device, your Apple Cash Account will not be closed and any funds in
your Payment Account will remain in your Payment Account, but your Apple Cash
Account will cease to be active and available on that particular Eligible
Device.

You may close your Apple Cash Account by calling (877) 233-8552. However, in
order to close your Apple Cash Account, you must: (i) register your Apple Cash
Account; (ii) spend or transfer any funds maintained on your Apple Cash Card;
(iii) maintain a $0 balance on your Apple Cash Card for at least 30 consecutive
days; and (iv) satisfy such other conditions that we may establish from time to
time.

Please see Section 5(I) below entitled “Closing a Family Account” for more
information on additional requirements for closing your Apple Cash Account if
you have established one or more Family Accounts.


I. BANK’S RIGHT TO SUSPEND OR TERMINATE YOUR USE OF THE SERVICES.

We reserve the right to limit, suspend, or terminate your use of the Services or
take other account-level or transaction-level actions, including suspending or
closing your Apple Cash Account, immediately and without prior notice to you for
any reason, including, without limitation: (i) to protect the security and
integrity of the Services, your Apple Cash Account or Payment Account, or other
Users and their accounts; (ii) the inability to debit or collect funds from any
account you designate in connection with the Services; (iii) if you breach these
Terms or any other agreement with us regarding the Services, including, without
limitation, by using the Services for any unlawful purposes; (iv) we have reason
to believe there has been or may be an unauthorized use of your Apple Cash
Account; (v) we are unable to verify your identity or authority to use the
Services to our satisfaction; (vi) your Apple Cash Account is not in good
standing; (vii) we believe that your use of the Services could expose us, Apple,
or other persons involved in providing the Services to increased risk or be
placed in a false or derogatory light; (viii) your Apple ID is suspended or
terminated for any reason or ceases to be in good standing with Apple; (ix) we
have reason to believe that you are using the Services to facilitate, encourage,
or promote illegal activity, hate, violence, intolerance, fraud, or otherwise
objectionable content or activities; or (x) we believe your use of the Services
does not comply with applicable law. Our election to exercise the foregoing
right to suspend or terminate your access to and use of the Services is in
addition to any other right or remedy that we may have under these Terms or
otherwise. Our decisions may be based on confidential criteria that are
essential to our operation of the Services, management of risk, and protection
of Bank and other Users. We may use proprietary fraud and risk modeling when
assessing the risk associated with your use of the Services. You understand and
agree that such action is reasonable for us to take in order to protect us from
loss and ensure the security of the Services. We reserve the right in our sole
discretion to grant or deny reinstatement of your use of the Services.


J. BANK’S ROLES IN PROVIDING THE SERVICES.

In providing the Services, Bank is operating in various capacities: (i) as the
person (the “Program Manager”) responsible for (a) providing the Payment
Accounts that receive and hold Users’ funds that are accessible by the Apple
Cash Card, (b) providing the Funds Transfer Service, and (c) selecting the
parties that provide all other aspects of the Services; (ii) as the bank
responsible for issuing the Apple Cash Card (the “Issuer”); and (iii) as the
federally insured depository institution where funds in your Payment Account are
placed (the “Depository”). As the Program Manager, Bank has the authority, on
Users’ behalf, to determine which financial institution shall serve as the
Issuer and to place Users’ funds into, and withdraw User funds from, the
Depository. While Bank is initially serving as the Program Manager, Issuer, and
Depository, we may assign any or all of these roles, in whole or in part, to one
or more third parties without restriction and without your prior consent.


2. REQUIRED PERSONAL INFORMATION

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 opens an account.
Accordingly, when you register your Apple Cash Account, we will ask you for
certain information, including, but not limited to, your name, street address,
date of birth, your Social Security number, and other information that will
allow us to identify you. We may also ask you to provide your driver’s license
or other identifying documents or ask you to answer security-related questions.
If we are unable to verify your identity, we may: (i) close your Apple Cash
Account; (ii) permit you to use your Apple Cash Account until the money in your
Payment Account has been spent; or (iii) allow you to continue to use your Apple
Cash Account, subject to the transaction limits for unregistered Apple Cash
Accounts that are set forth in Section 7(B) below entitled “Transaction and
Apple Cash Account Limits”.


3. THE APPLE CASH CARD


A. GENERALLY.

The Apple Cash Card is a virtual payment card. You will not be issued a physical
card. Rather, your Apple Cash Card will be provisioned to your Eligible Devices
that are associated with your Apple ID and that you have enabled to access your
Apple Cash Account. The Apple Cash Card is issued on a payment network. You can
find information about the payment network for your Apple Cash Card from your
Eligible Devices by viewing the card details portion of your Apple Cash Card.
You may only use your Apple Cash Card at merchants that accept Apple Pay and the
payment network on which your Apple Cash Card is issued.


B. ADDING FUNDS TO YOUR APPLE CASH CARD.

Funds can be added to your Apple Cash Card in the following ways: (i) by
utilizing the Funds Transfer Service to add funds to your Apple Cash Card with a
Supported Payment Card; (ii) by receiving a P2P Transfer from another User; and
(iii) by receiving a Disbursement (as defined below). The funds you receive in a
P2P Transfer will be automatically credited to your Apple Cash Card, unless you
have disabled the ability to automatically receive P2P Transfers, in which case
the funds will only be credited to your Apple Cash Card if you accept the P2P
Transfer within 7 days. We reserve the right to accept or reject any request to
add funds to your Apple Cash Card at our sole discretion. Please see Section
5(E) below entitled “Using a Family Account; Limits” for information on
additional limitations that apply to the use of Family Accounts.


C. AUTO RELOAD.

You have the option to automatically add funds to your Apple Cash Card with a
Supported Payment Card whenever your Apple Cash Card balance falls below a
minimum balance that you select ("Auto Reload"). If you enable Auto Reload, you
authorize and instruct us to debit your designated Supported Payment Card in the
amount you specify whenever your Apple Cash Card balance falls below the minimum
balance that you have designated. If an Auto Reload occurs but is not sufficient
to bring your Apple Cash Card balance above the minimum balance that you
selected, then multiple Auto Reloads may occur.

When you designate a Supported Payment Card as the funding source for Auto
Reload, we will continue to charge that Supported Payment Card until you (i)
cancel your Auto Reload, (ii) select a different payment method, even if you
delete the Supported Payment Card from your Eligible Device(s), or (iii) close
your Apple Cash Account. You may not receive notification of Auto Reloads before
they occur. If your Supported Payment Card does not have sufficient funds
available for any Auto Reload, we may make additional attempts to pull funds or
pause your Auto Reload. Otherwise, Auto Reload continues until cancelled. You
can review your outstanding Auto Reload instructions or cancel your Auto Reload
at any time by accessing the Wallet app on iPhone or Settings on iPad or by
contacting us at (877) 233-8552.


D. TRANSACTIONS WITH YOUR APPLE CASH CARD; RECEIPTS.

Each time you use your Apple Cash Card to purchase goods or services or use the
Direct Payments Service, you authorize us to debit the total amount of your
purchase or payment from your Apple Cash Card balance. You must keep enough
money on your Apple Cash Card to pay for each transaction. Except for P2P
Transfers that are partially funded with a Supported Payment Card (which are
described in more detail in Section 4(B) below entitled “P2P Transfers”), we
will generally decline a transaction if you have insufficient or unavailable
funds on your Apple Cash Card to cover the transaction, including applicable
fees, if any, at the time the transaction is authorized. Nevertheless, if we
authorize a transaction that exceeds the balance of available funds on your
Apply Pay Cash Card, you are responsible for any amount that is charged in
excess of your balance. If you have a negative balance on your Apple Cash Card,
we may deduct the negative balance amount from a P2P Transfer or Disbursement
that you receive or from any other Apple Cash Card you register with us. If you
have a negative balance on your Apple Cash Card, we may also require you to load
funds onto your Apple Cash Card with a Supported Payment Card before you can
perform additional transactions with your Apple Cash Account. You should get a
receipt at the time you make a transaction using your Apple Cash Card. However,
you may not get a receipt for some small transactions.


E. FOREIGN TRANSACTIONS.

Once you have registered your Apple Cash Account, you may use your Apple Cash
Card for transactions outside the U.S. at eligible merchant locations that
accept both Apple Pay and the payment network on which your Apple Cash Card is
issued (please see Section 1(F) above entitled “Registering your Apple Cash
Account with Bank” for more information on this process). If you conduct a
purchase transaction in a currency other than U.S. dollars, the merchant, the
payment network for the Apple Cash Card, or other association that processes
that transaction may convert any related debit or credit into U.S. dollars in
accordance with their then current policies. For example, the conversion rate
may be either: (i) selected from a range of rates available in the currency
markets (which may be different from the rate the merchant, the payment network
for the Apple Cash Card, or other association involved in processing your
transaction is actually charged); or (ii) a government-mandated rate. The
conversion rate may be different from the rate in effect on the date of your
transaction and the date it is posted to your Apple Cash Card.


F. RETURNS.

Because you will not be issued a physical card for your Apple Cash Card, you may
need to present the Eligible Device that you used for a purchase to a merchant
when you return an item purchased with your Apple Cash Card.


G. HOLDS FOR PREAUTHORIZED TRANSACTIONS.

When you use your Apple Cash Card to pay for goods or services, certain
merchants may ask us to preauthorize the transaction in advance and may estimate
the final purchase amount. When we preauthorize the transaction, we will place a
“hold” on your funds for the amount indicated by the merchant. We also may add
an amount for certain merchants to ensure that sufficient funds will be
available to cover the final transaction amount (such as to cover a tip at a
restaurant). Transactions at certain merchants that preauthorize high dollar
amounts, such as rental car companies and hotels, may cause a “hold” on your
available balance for up to 90 days. You will not be able to use the money on
your Apple Cash Card that is “on hold.” We will release any remaining amount
when the transaction finally settles or the hold period expires.


H. ASSIGNED PIN.

You will not be required to select a personal identification number (“PIN”) for
use in connection with your Apple Cash Card. If a payment terminal requires you
to enter a PIN to complete a transaction with your Apple Cash Card, you should
enter “0000” as your PIN.


I. NO OVERDRAFT.

Your Apple Cash Card is not a credit card and does not provide overdraft or any
line of credit.


4. FUNDS TRANSFER SERVICE


A. GENERALLY.

The Funds Transfer Service allows you to: (i) send P2P Transfers to other Users;
(ii) load your Apple Cash Card with a Supported Payment Card; and (iii) initiate
Bank Transfers to move money from your Apple Cash Card to your designated bank
account(s).


B. P2P TRANSFERS.

The Funds Transfer Service allows you to transfer money to another User from
different sources. The default funding source for P2P Transfers will be your
Apple Cash Card. However, if you do not maintain a sufficient balance on your
Apple Cash Card to send a P2P Transfer in the amount you have entered, we will
use the balance you have on your Apple Cash Card and then fund the remaining
portion of your P2P Transfer with a Supported Payment Card. If you do not have
any balance on your Apple Cash Card, your P2P Transfer will be funded entirely
with a Supported Payment Card that you select. There are no fees for funding a
P2P Transfer with a Supported Payment Card. Please note that the issuer of your
Supported Payment Card may separately charge fees if your P2P Transfer is funded
(either in whole or in part) with a Supported Payment Card and such funding
transaction results in an overdraft.

Other Users are not required to accept money you send them in a P2P Transfer. If
a designated recipient is not a User or has disabled the ability to
automatically receive P2P Transfers and does not accept the P2P Transfer within
7 days, or if the P2P Transfer cannot otherwise be completed for any other
reason, the P2P Transfer will automatically be canceled and we will refund the
amount of the transaction to your Apple Cash Card or Supported Payment Card, as
applicable.


C. RECURRING PAYMENTS.

You may set recurring P2P Transfers at intervals of your choosing (each such
transfer, a “Recurring Payment”). If you set up a Recurring Payment, you
authorize and instruct us to debit your Apple Cash Card balance or Supported
Payment Card (as applicable) in the amount you instruct for each Recurring
Payment and on the periodic interval you instruct (e.g., weekly, monthly).

When you designate a Supported Payment Card as the funding source for a
Recurring Payment, we will continue to charge that Supported Payment Card until
you (i) cancel your Recurring Payment, (ii) select a different payment method,
even if you delete the Supported Payment Card from your Eligible Device(s), or
(iii) close your Apple Cash Account. If you make your Apple Cash Card your
default funding source for Recurring Payments, then funds will first be taken
from your Apple Cash Card balance for each Recurring Payment. If such funds are
insufficient to fund the full Recurring Payment amount that you have authorized,
we will fund the remaining portion of your Recurring Payment with your
designated Supported Payment Card. If you do not have any balance on your Apple
Cash Card, your Recurring Payment will be funded entirely with the Supported
Payment Card that you select.

In most cases, Recurring Payments will occur by 9 A.M. PT on the date of your
scheduled payment, however payments may occasionally be delayed or not sent due
to technical or other issues. You may not receive prior notification of
Recurring Payments before they occur. If your designated funding source does not
have sufficient funds available for any Recurring Payment, we may make
additional attempts to pull funds, wait to retry on the next scheduled Recurring
Payment date, or pause your Recurring Payment(s).

You can review your outstanding Recurring Payment instructions at any time by
accessing the Wallet app on iPhone or Settings on iPad. You may pause or cancel
a Recurring Payment at any time in Wallet or by contacting us at (877) 233-8552.
To stop a Recurring Payment from being sent, we must receive your pause or
cancellation request no later than 11:59 P.M. PT on the day prior to the date of
your next scheduled Recurring Payment. For example, if you have a Recurring
Payment scheduled to occur on July 15, you must pause or cancel that Recurring
Payment by 11:59 P.M. PT on July 14 to ensure your Recurring Payment is not
sent. We may cancel your Recurring Payment(s) if any prior payments from the
associated Supported Payment Card are returned, or for any other reason we deem
appropriate.


D. BANK TRANSFERS.

The Funds Transfer Service supports two types of Bank Transfers: (i) a transfer
that uses the Automated Clearing House (“ACH”) system to transfer funds to your
designated bank account, which usually takes 1 to 3 business days (an “ACH
Transfer”); and (ii) a transfer to an account that is associated with a
Supported Payment Card that is a debit card and bears the logo of a
participating payment network that accepts such transfers in connection with the
Services (each such card, an “Eligible Debit Card”, and such type of Bank
Transfer, an “Instant Transfer”).

In order to request an ACH Transfer, you must provide us with identifying
information regarding your bank account that you would like to receive the
money, including your bank account and routing numbers. For ACH Transfers, we
use the ACH system to transfer money from your Apple Cash Card to your
designated bank account. We generally process ACH Transfers within 1 to 3
business days of your request. The cutoff time for submitting a request for an
ACH Transfer is 10:00 P.M. Pacific Time. Requests for ACH Transfers received
after this cutoff time or on a non-business day may be processed by us on the
next business day. ACH Transfers scheduled to be processed on a weekend or
holiday will be processed on the next business day.

ENTER AND REVIEW YOUR BANK ACCOUNT INFORMATION FOR ACH TRANSFERS CAREFULLY. You
are solely responsible for ensuring that you have entered the correct routing
and account numbers for your bank account and any other information we require
for an ACH Transfer. If you enter this information incorrectly, your money may
be lost.

In order to request an Instant Transfer, you must have an Eligible Debit Card
provisioned to your Eligible Device. Not all Supported Payment Cards that are
debit cards may be eligible to accept Instant Transfers. You will not be able to
select a Supported Payment Card that is not an Eligible Debit Card for an
Instant Transfer. For Instant Transfers, we transfer funds via the payment
network on which your Eligible Debit Card is issued to the bank account
associated with your Eligible Debit Card. Instant Transfers generally are
processed within minutes of your request, but could take up to 30 minutes in
some cases.

The financial institution that holds your bank account may take additional time
to deposit the funds from a Bank Transfer in your bank account. We cannot
guarantee the timely delivery or return of funds as a result of a failure of
another financial institution to act in a timely manner. In addition, we may
delay or suspend the processing of a Bank Transfer for security and fraud
purposes and as otherwise specified in Section 7(C) below entitled “Additional
Limits on your use of the Services”.

You agree that you will have sufficient available money on your Apple Cash Card
to cover the amount of any Bank Transfer that you request, including any
applicable fees. If you do not, we may reject the Bank Transfer. We will remove
the money that you have designated to be transferred from your Apple Cash Card
when you submit the Bank Transfer to us.

By instructing and authorizing us to process a Bank Transfer, you represent and
warrant to us that: (i) the financial institution that holds the bank account
you designate to receive money via the Bank Transfer expressly permits (or does
not prohibit) Bank Transfers; (ii) you have the authority to instruct and
authorize us to process the Bank Transfer; (iii) the information you provide to
us regarding the bank account you designate to receive money via the Bank
Transfer is accurate and complete; (iv) you are an owner and authorized signer
on the bank account you designate to receive money via the Bank Transfer; (v) no
other person’s authorization is required for us to process the Bank Transfer;
and (vi) such action does not violate the terms and conditions applicable to
your bank account, these Terms, or applicable law.

Please note that not all types of bank accounts are eligible to receive a Bank
Transfer. You must check with your financial institution to determine if there
are any restrictions regarding Bank Transfers (e.g., 401k, IRA, savings, and
money market accounts may not be able to receive Bank Transfers). We are not
responsible for any costs or losses incurred from Bank Transfers that are not
permitted or restricted by the financial institution that holds your bank
account or by applicable law.


E. ADDITIONAL TERMS AND CONDITIONS FOR USING THE FUNDS TRANSFER SERVICE.

Except as otherwise expressly provided herein or as otherwise required by
applicable law, transactions authorized in connection with the Funds Transfer
Service are non-refundable. We are not responsible for any loss of funds if you
authorize and instruct us to send funds to the wrong User, account, or other
designated recipient. Without limiting any other provisions of these Terms or
our rights or remedies under applicable law, if you charge back or reverse a P2P
Transfer funded with a Supported Payment Card (either in whole or in part) with
the issuer of such Supported Payment Card, we may reduce the balance on your
Apple Cash Card by the amount charged back or reversed, even if such action
would result in a negative balance.

By instructing and authorizing us to send money via the Funds Transfer Service,
you represent, warrant, and covenant that: (i) you are legally authorized to use
the funding source that you have selected to perform the transaction; (ii) there
are sufficient funds available to complete the transaction using your funding
source; and (iii) such action does not violate the terms and conditions
applicable to your funding source, these Terms, or applicable law. Once you
instruct and authorize us to send money via the Funds Transfer Service, we will
charge or debit your selected funding source and, if the transaction is a P2P
Transfer, notify the receiving User.

Except as otherwise expressly provided in, and without limiting any other
provisions of, these Terms, we will not be liable if we fail to send, or delay
the transmission of, funds to a designated recipient or account through the
Funds Transfer Service if: (i) you have insufficient funds available to complete
the transaction with your Apple Cash Card or Supported Payment Card; (ii) the
issuer of your Supported Payment Card declines to process the transaction; (iii)
the designated recipient or account does not accept the money through the Funds
Transfer Service or is otherwise ineligible to receive the funds through the
Funds Transfer Service; (iv) we believe the transaction may violate applicable
law or these Terms; (v) we identify a security risk involving the transaction or
the Funds Transfer Service; (vi) circumstances beyond our control (such as fire,
flood, terrorist attack, or national emergency) prevent the transaction, despite
reasonable precautions that we have taken; or (vii) your Apple Cash Card or an
Eligible Device that you have provisioned your Apple Cash Card to has been
reported as lost or stolen or if we have reason to believe that your Credentials
(as defined in Section 1(G) above) have been compromised or that the transaction
is not authorized by you. We cannot guarantee the timely delivery or return of
funds as a result of a failure of another financial institution or payment
intermediary to act in a timely manner.


5. APPLE CASH FAMILY


A. GENERALLY.

Apple Cash Family is a feature that allows a User who is the organizer of an
iCloud Family (as defined below) (each, an “Organizer”) to enable eligible
members of their iCloud Family to use the Services by establishing a Family
Account for them, subject to the limitations and requirements set forth in these
Terms. For purposes of these Terms:

 * “Family Account” means an Apple Cash Account that is a sub-account of the
   Organizer’s Primary Apple Cash Account and is associated with a particular
   Family User.
 * “Family User” means an eligible member of an Organizer’s iCloud Family for
   whom a Family Account is established by the Organizer.
 * “Primary Apple Cash Account” means the Apple Cash Account associated with the
   Organizer’s use of the Services and not any Family User’s use of the
   Services.
 * “iCloud Family” means the group established by the Organizer for Family
   Sharing.
 * “Family Sharing” means the feature of the operating software on Eligible
   Devices that allows members of an iCloud Family to share certain services and
   features.
 * “Parent” means an adult member of an iCloud Family that the Organizer has
   designated as a parent or guardian.

The use of Apple Cash Family (including the ability of an Organizer to
establish, and for Family Users to use, a Family Account) is subject to our
approval, in our sole discretion, and the eligibility and other requirements set
forth in these Terms.


B. YOUR LIABILITY FOR FAMILY ACCOUNTS.

You are the owner of each Family Account you establish. Except as specifically
set forth in these Terms, if you establish a Family Account, references to your
use of the Services in these Terms include any use of the Services by a Family
User. For example, except as otherwise provided in these Terms, references to
your “Apple Cash Account”, “Apple Cash Card”, and “Payment Account” in these
Terms include any Apple Cash Accounts, Apple Cash Cards, and Payment Accounts,
as applicable, associated with the Family Accounts you establish.

You are liable for all transactions, fees, obligations, uses, and liabilities of
or related to any Family Account. This includes any transactions made by you, a
Family User, or any person you or a Family User permit to access a Family
Account or a Family User’s Credentials.

You are also liable for Family Users’ actions related to their Family Accounts
and for Family Users’ compliance with these Terms. Any action of a Family User
with respect to their Family Account will be attributed to you and your Apple
Cash Account. For example, if a Family User engages in any activity prohibited
by these Terms (including any activity described in Section 1(I) above entitled
“Bank’s Right to Suspend or Terminate your Use of the Services”), we will
attribute that activity to you and may take action against your Apple Cash
Account and recover amounts owed to us from your Apple Cash Card. In addition,
to the extent permitted by applicable law, we may recover any amounts owed to us
under these Terms from a Family Account, even if such amount relates to your
Primary Apple Cash Account or another Family Account.


C. NUMBER OF FAMILY ACCOUNTS.

The maximum number of Family Accounts that you are permitted to establish is
five. We may, in our sole discretion and at any time, further limit the number
of Family Accounts that may be established or maintained in connection with your
Primary Apple Cash Account.


D. ELIGIBILITY.

In addition to the eligibility requirements to use the Services set forth in
these Terms, in order to establish and maintain a Family Account: (i) your
Primary Apple Cash Account must be registered with us and in good standing; (ii)
you must be the Organizer of your iCloud Family; and (iii) your Eligible Device
must have a version of operating software that supports Apple Cash Family. Each
Family Account may only be associated with one Family User, and each Family User
must: (i) be a citizen or lawfully residing in the U.S.; (ii) be a member of the
Organizer’s iCloud Family; (iii) be under the age of 18 at the time the Family
Account is established; (iv) have an Eligible Device that has a version of
operating software that supports Apple Cash Family; and (v) have an Apple ID
that is in good standing with Apple and has enabled security features that Apple
requires to access or use Apple Cash Family.

We may ask you to provide additional identifying information or documentation
regarding you or a Family User in order to establish or maintain a Family
Account. If you do not provide, or we are unable to verify (as necessary), any
requested information or documentation, we may decline to establish a Family
Account or close a Family Account or your Apple Cash Account.


E. USING A FAMILY ACCOUNT; LIMITS.

If you establish a Family Account for a Family User, the Family User will be
able to use the Services with all of their Eligible Devices that are associated
with their Apple ID and enabled to access the Services, subject to the
applicable limitations and requirements set forth in these Terms. However: (i)
Family Accounts may not make Direct Payments (as defined below); and (ii) if a
Family User is under the age of 13, they will not be able load funds onto their
Apple Cash Card or fund P2P Transfers with a Supported Payment Card or request
an Instant Transfer. Please see Section 6 below entitled “Other Apple Cash
Features” for more information on Direct Payments.

You can impose additional restrictions on the use of a Family Account, such as
limiting who a Family User may send P2P Transfers to. However, you cannot limit
who may send P2P Transfers to a Family User. You can elect to be notified about
Family Account transactions, such as P2P Transfers. However, you cannot use the
Services to directly transfer, access, or otherwise manage funds in an Apple
Cash Card associated with a Family Account, unless you close the Family Account.
For more information on closing a Family Account, see Section 5(K) below
entitled “Closing a Family Account”.

Each Family Account is subject to the transaction limits specified in Section
7(B) below entitled “Transaction and Apple Cash Account Limits”. Family Account
transactions are not counted toward the transaction limits for your Primary
Apple Cash Account, and Family Account balances are not counted toward the
balance limit for your Primary Apple Cash Account.

The amount of transactions performed with a Family Account, including all fees
related thereto, will be debited from the available balance of funds in the
Apple Cash Card associated with that Family Account. Any merchant refunds or
other amounts credited in connection with transactions performed with a Family
Account or an Apple Cash Card associated with a Family Account will be added to
the balance of the Apple Cash Card associated with the Family Account. If there
are insufficient funds in the Apple Cash Card associated with a Family Account
to cover the amount of a transaction, the transaction will be declined.
Nevertheless, if the Apple Cash Card associated with a Family Account has a
negative balance, we may deduct the negative balance amount from any current or
future funds in the Apple Cash Card associated with your Primary Apple Cash
Account, the Apple Cash Card associated with another Family Account that is part
of your iCloud Family, or any other card or account you register or maintain
with us.


F. FAMILY ACCOUNT INFORMATION AND TRANSACTION HISTORY.

Family Users can view their Apple Cash Card balance and obtain information about
their Family Account and transactions at any time and at no cost directly from
their Eligible Devices. You can also view the balance available on an Apple Cash
Card associated with a Family Account at any time and at no cost by: (i)
accessing your Apple Cash Account information on your Eligible Device; or (ii)
calling (877) 233-8552.

Additionally, you, as well as a Parent in your iCloud Family, can access and
view transactions associated with a Family Account at any time and at no cost
from an Eligible Device. You can request a more detailed electronic transaction
history for a Family Account (including information regarding any fees applied
against the Family Account), at any time and at no cost from an Eligible Device.
By establishing a Family Account, you consent to share and make information
about a Family Account available to the applicable Family User and a Parent in
your iCloud Family.

If a Family Account subsequently becomes a Graduated Account (as defined below),
neither you nor a Parent in your iCloud Family will be able to view balance and
transaction information or request an electronic transaction history for the
Graduated Account from an Eligible Device. However, you may contact us to
request a transaction history for a Family Account, although this transaction
history will only include transactions that occurred prior to Graduation (as
defined below). Please see Section 8(B) below entitled “Apple Cash Account
Information and Transaction History” for more information on how to contact us
to do so.


G. GRADUATED ACCOUNTS.

Once a Family User is 18 years of age or older, and provided that your Apple
Cash Account and the Family User’s Family Account are in good standing, the
Family User may request to take ownership of their Family Account and graduate
it to a standalone Apple Cash Account established in their name. A Family
Account that subsequently graduates to a standalone Apple Cash Account is
referred to as a “Graduated Account”, and the point in time at which an Apple
Cash Account ceases to be a Family Account and becomes a Graduated Account is
called “Graduation”.

If we approve a Family User’s request to establish a Graduated Account, which we
may do in our sole discretion, that individual’s Apple Cash Account will cease
to be a Family Account (i.e., their Apple Cash Account will no longer be a
sub-account of your Primary Apple Cash Account). However, establishing a
Graduated Account will not remove the individual from your iCloud Family
generally or otherwise impact their access to the other features of Family
Sharing.

Provided that you have not locked the Family Account prior to Graduation, any
funds that were maintained in the Apple Cash Card associated with the Family
Account prior to Graduation will be transferred to and accessible by the
Graduated Account. If you have locked a Family Account, the Family User may
still request to establish a Graduated Account, however any funds that were
maintained in the Apple Cash Card associated with the Family Account prior to
Graduation will be transferred to and accessible by the Apple Cash Card
associated with your Primary Apple Cash Account. Please see Section 5(J) below
entitled “Locking a Family Account” for more information on locking a Family
Account.

In order to establish a Graduated Account, an eligible Family User must satisfy
the eligibility requirements set forth in these Terms to use the Services.
Following Graduation: (i) you will not be the owner of, or be liable for the
activities of, the Graduated Account; (ii) you will not be able to access
account information or transaction information for the Graduated Account; (iii)
you will not be able to dispute transactions or otherwise communicate with us
about the Graduated Account; (iv) you will not be able to lock or close the
Graduated Account; and (v) the Graduated Account will continue to have access to
the account information and transaction information for the Family Account that
occurred prior to Graduation (i.e., the transaction information made available
on an Eligible Device or in an electronic transaction history for a Graduated
Account will include transactions that occurred prior to Graduation).

By agreeing to these Terms and establishing and maintaining a Family Account,
you acknowledge and agree that a Family User who is 18 years of age or older
may, with no additional action required on your part, graduate their Family
Account to a Graduated Account and that, except as provided above, any funds
associated with that Family Account prior to Graduation may be transferred to
the Graduated Account, and you consent to a User with a Graduated Account
continuing to be able to view and access information regarding transactions that
occurred on their Family Account prior to Graduation.


H. SUPPORT.

You are the only individual that can communicate with us about a Family Account.
Neither a Family User nor any other individuals (including a Parent in your
iCloud Family) will be able to do so. If a Family Account you established
subsequently becomes a Graduated Account, you will not be able to communicate
with us about the Graduated Account. Please see Section 5(G) above entitled
“Graduated Accounts” for more information on Graduated Accounts.


I. DISPUTES AND ERROR RESOLUTION FOR APPLE CASH FAMILY.

You are the only individual that can dispute transactions or allege that an
error has occurred in connection with a Family Account you establish. Neither a
Family User nor any other individuals (including a Parent in your iCloud Family)
will be able to do so. Please see Section 9(A) below entitled “In Case of Errors
or Questions About Your Registered Payment Account” to learn more about the
process for notifying us if you think an error has occurred in connection with a
Family Account.

If you dispute a transaction or allege that an error has occurred in connection
with a Family Account, we may ask the relevant Family User for additional
information regarding the alleged error. If an alleged error or our
investigation for a Family Account entitles you to a credit, the credit will be
applied to the Family Account, and not your Primary Apple Cash Account.

If a Family Account you established subsequently becomes a Graduated Account,
you will only be able to dispute transactions or allege that an error has
occurred for transactions that occurred prior to Graduation. If an alleged error
or our investigation of a pre-Graduation transaction entitles you to a credit,
the credit will be applied to your Primary Apple Cash Account, and not the
Graduated Account. For transactions occurring after Graduation, only the User
with the Graduated Account will be able to dispute those transactions or allege
that an error has occurred, and any credits that may result will be applied to
the Graduated Account.


J. LOCKING A FAMILY ACCOUNT.

You may lock a Family Account from your Eligible Device(s) at any time. If you
lock a Family Account, that Family Account will not be closed and any funds in
the associated Apple Cash Card will remain, but the Family User’s Family Account
will cease to be active and available on any of their Eligible Devices. If you
subsequently reinstate that Family Account, that Family Account will become
active again and any funds in the associated Apple Cash Card will be available
for transactions.


K. CLOSING A FAMILY ACCOUNT.

You may close a Family Account by calling (877) 233-8552 and satisfying other
conditions that we may establish from time to time. For example, you may not be
able to close a Family Account if it is not in good standing. If you close a
Family Account, any funds in the Apple Cash Card associated with the Family
Account will be transferred to the Apple Cash Card associated with your Primary
Apple Cash Account. If you close a Family Account and any funds in the
associated Apple Cash Card cannot be transferred to the Apple Cash Card
associated with your Primary Apple Cash Account for any reason, then we may send
you a check for the amount of any funds remaining in the Payment Account
associated with the Family Account.

Because each Family Account is a sub-account of your Primary Apple Cash Account,
if you close your Apple Cash Account or your Apple ID, any Family Accounts you
have established will be closed as well. If you have a Family Account that
currently has funds in the associated Apple Cash Card, you may not be able to
close either your Apple Cash Account or your Apple ID. If a Family User closes
their Apple ID, you close their Apple ID on their behalf, or the Family User
ceases to be a part of your iCloud Family for any reason, their Family Account
will be closed automatically and funds in the Apple Cash Card associated with
the Family Account, if any, will be transferred to the Apple Cash Card
associated with your Primary Apple Cash Account as specified above.


6. OTHER APPLE CASH FEATURES


A. GENERALLY.

Certain features of Apple Cash may be provided by Apple Payments or other third
parties. Except as otherwise expressly provided in these Terms, we do not
control, and are not responsible or liable to you for, such features or any
other third-party products, services, or applications (collectively,
“Third-Party Services”) or any providers of Third-Party Services. Separate terms
and conditions may apply to Third-Party Services. You should read those terms
and conditions carefully before accessing or using any Third-Party Services. You
should address all disputes related to Third-Party Services with the applicable
third party that provides the Third-Party Services.


B. DISBURSEMENTS.

Certain eligible businesses may allow you to authorize them to disburse funds to
your Apple Cash Card (each, a “Disbursement”). While Disbursements may be
processed by Apple Payments, they are offered by the participating businesses
that provide such funds and may be subject to certain additional terms and
conditions of the disbursing businesses, which may change at any time without
notice to you. We will not be liable for any loss or damage that may result from
any interaction between you and a business with respect to Disbursements.


C. DIRECT PAYMENTS SERVICE.

You may use funds in your Payment Account to make payments to certain eligible
businesses that you authorize (each, a “Direct Payment”, and such service, the
“Direct Payments Service”), except as specified in Section 5(E) above entitled
“Using a Family Account; Limits”. The Direct Payments Service is a service
offered by Apple Payments, and your use of the Direct Payments Service is
subject to Apple Payments’ Direct Payments Terms and Conditions, which are
available at applepayments.apple.com. We are not responsible for the delivery,
quality, safety, legality, or any other aspect of goods or services that are
paid for using the Direct Payments Service.


D. MERCHANT OFFERS.

Merchants may present certain discounts, rebates, or other benefits to you
(e.g., free shipping, discounts, etc.) (“Offers”) for the use of your Apple Cash
Card, Apple Pay, or otherwise. Such Offers may be subject to certain terms and
conditions, which may change at any time without notice to you. We will not be
liable for any loss or damage that may result from any interaction between you
and a merchant with respect to such Offers.


7. FEES AND LIMITS


A. FEES.

You agree to pay us the following fees for your use of the Services:

Instant Transfer:


 * Effective August 26, 2021: 1.5% of the transaction amount, subject to a $0.25
   minimum and a $15 maximum
 * Until August 26, 2021: 1% of the transaction amount, subject to a $0.25
   minimum and a $10 maximum

All fees will be rounded to the nearest cent. We reserve the right to change or
add fees for the Services in the future.


B. TRANSACTION AND APPLE CASH ACCOUNT LIMITS.

Your use of the Services is subject to the following limits1 If you are the
Organizer of one or more Family Accounts, these limits apply only to your
Primary Apple Cash Account

 * Adding funds to your Apple Cash Card with a Supported Payment Card: $10 -
   $10,000 per transaction; up to $10,000 per week2
 * P2P Transfers: $1 - $10,000 per transaction; may receive up to $10,000 per
   week2
 * Bank Transfers: $1 - $10,000 per transaction3; up to $20,000 per week2
 * Apple Cash Card balance: up to $20,000

Family Accounts are subject to the following limits. These limits are separate
from the limits above on the Primary Apple Cash Account. Balance and
transactions for Family Accounts are counted separately for each Family Account
and are not counted against balance or transaction limits in your Primary Apple
Cash Account:

 * Adding funds to your Apple Cash Card with a Supported Payment Card: $10 -
   $2,000 per transaction; up to $2,000 per week2, 4
 * P2P Transfers: $1 - $2,000 per transaction; may receive up to $2,000 per
   week2, 4
 * Bank Transfers: $1 - $2,000 per transaction3, 4; up to $4,000 per week2, 4
 * Apple Cash Card balance: up to $4,000

1  If we have not verified your identity and your Apple Cash Account has not
been registered, your Apple Cash Card may not receive more than $500 in one or
more transactions, and the limits described above will be adjusted accordingly.

2  Weekly limits are based on a rolling 7-day period.

3  Minimum transaction limit for Bank Transfers only applies if your Apple Cash
Card balance exceeds $1. If your balance is less than $1, you can transfer your
remaining balance via an ACH Transfer or, if your balance exceeds $0.25, via an
Instant Transfer.

4  The ability to add funds to an Apple Cash Card or fund P2P Transfers with a
Supported Payment Card or request an Instant Transfer is not available to Family
Users under the age of 13.

Limits are subject to change. We will notify you as required by applicable law
if these limits decrease. However, please note that we may lower these limits,
impose additional limits, or cancel, delay, or block a transaction without prior
notice for security reasons or as otherwise described in these Terms.


8. APPLE CASH CARD BALANCE AND TRANSACTION HISTORY


A. APPLE CASH CARD BALANCE.

You can view the balance available on your Apple Cash Card at any time and at no
cost by: (i) accessing your Apple Cash Account information on your Eligible
Device; (ii) logging into appleid.apple.com; or (iii) calling (877) 233-8552.


B. APPLE CASH ACCOUNT INFORMATION AND TRANSACTION HISTORY.

You may obtain information about your Apple Cash Account and transactions at any
time and at no cost directly from your Eligible Device. Additionally, you may
obtain a more detailed electronic transaction history of your Apple Cash Account
transactions, including information regarding any fees applied against your
Apple Cash Card at any time and at no cost by requesting one directly from your
Eligible Device. If you have registered your Apple Cash Account, you may also
obtain this transaction history at any time and at no cost by calling (877)
233-8552 or writing us at Electronic Transaction History Request, P.O. Box 5100,
Pasadena, California 91117. If you submit your request in writing, please
include your name, date of birth, and address with your request. Upon your
request, we will send your transaction history to the email address associated
with your Apple ID. You acknowledge that, while the Services constitute separate
services offered by us, all of your transactions using the different components
of the Services will be reflected in your Apple Cash Account information on your
Eligible Device and in any transaction history we send to you.


C. NO PERIODIC OR PAPER STATEMENTS.

You will not receive periodic or paper statements in connection with the
Services.


9. OTHER RIGHTS AND OBLIGATIONS REGARDING ERRORS, UNAUTHORIZED TRANSFERS,
FAILURE TO MAKE TRANSFERS, AND PREAUTHORIZED PAYMENTS


A. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR REGISTERED PAYMENT ACCOUNT.

Telephone us at (877) 233-8552 or write us at Apple Cash Customer Service, P.O.
Box 5100, Pasadena, California 91117 as soon as you can if you think an error
has occurred in connection with your registered Payment Account (including any
Payment Accounts associated with Family Accounts you have established). We must
allow you to report an error until 60 days after the earlier of: (i) the date
you electronically accessed your registered Payment Account information on your
Eligible Device, provided the error could be viewed in your registered Payment
Account information on your Eligible Device; or (ii) the date we sent the FIRST
electronic transaction history for your registered Payment Account on which the
error appeared. When notifying us, you will need to tell us: (i) your name, date
of birth, and address; (ii) why you believe there is an error and the dollar
amount involved; and (iii) approximately when the error took place. If you tell
us orally, we may require that you send us your complaint or question in writing
within 10 business days.

We will determine whether an error occurred within 10 business days after we
hear from you and will correct any error promptly. If we need more time,
however, we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will provide a provisional credit to your registered
Payment Account within 10 business days for the amount you think is in error, so
that you will have the use of the value of the amount you think is in error
during the time it takes us to complete the investigation. If we ask you to put
your complaint or question in writing and we do not receive it within 10
business days, we may not credit your registered Payment Account.

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

We will tell you the results within 3 business days after completing our
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.

The error resolution provisions set forth in this subsection only apply if you
have registered your Payment Account. Please see Section 1(F) above entitled
“Registering your Apple Cash Account with Bank” to learn more about how you can
register your Apple Cash Account. If you need more information about our error
resolution procedures, call us at (877) 233-8552.

Please see Section 5(I) above entitled “Disputes and Error Resolution for Apple
Cash Family” to learn more about how these error resolution rights apply to
Family Accounts and Graduated Accounts.


B. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS.

Tell us AT ONCE if you believe your Eligible Device is lost or stolen, your
Credentials have been compromised, or your Apple Cash Account has been accessed
without your permission. Reporting such loss, theft, compromise, or unauthorized
access by calling us at (877) 233-8552 is the best way of keeping your possible
losses down. You could lose all the money in your Payment Account. If you tell
us within 2 business days after you learn of the loss or theft of your Eligible
Device, the compromise of your Credentials, or the unauthorized access of your
Apple Cash Account, you can lose no more than $50 if someone used your
registered Payment Account without your permission. If you do NOT tell us within
2 business days after you learn of the loss or theft of your Eligible Device,
the compromise of your Credentials, or the unauthorized access of your Apple
Cash Account, and we can prove that we could have stopped someone from using
your registered Payment Account without your permission if you had told us, you
could lose as much as $500.

Also, if your Apple Cash Account information available on your Eligible Device
or any transaction history that we send you shows transfers that you did not
make with your registered Payment Account, tell us at once. If you do not tell
us within 60 days after: (i) you electronically access your registered Payment
Account information on your Eligible Device or (ii) we provide you with a
transaction history for your registered Payment Account, you may not get back
any money you lost after the 60 days if we can prove that we could have stopped
someone from taking money from your registered Payment Account if you had told
us in time. If a good reason (such as a long trip or hospital stay) kept you
from telling us, we will extend the time periods.

The limited liability provisions set forth in this subsection only apply if you
have registered your Payment Account. Please see Section 1(F) above entitled
“Registering your Apple Cash Account with Bank” to learn more about how you can
register your Apple Cash Account.


C. YOU MUST NOTIFY US OF LOST OR STOLEN ELIGIBLE DEVICES, COMPROMISED
CREDENTIALS, AND UNAUTHORIZED APPLE CASH ACCOUNT ACTIVITY.

You agree to notify us of the loss or theft of your Eligible Device(s), the
compromise of any of your Credentials, and of any unauthorized access of your
Apple Cash Account. If you believe your Eligible Device has been lost or stolen,
your Credentials have been compromised, or that someone has accessed your Apple
Cash Account without authorization, contact us at (877) 233-8552.

You agree to cooperate reasonably with us and our agents and service providers
in our attempts to recover funds from, and to assist in the prosecution of, any
unauthorized users of your Apple Cash Account. You agree that any unauthorized
use does not include use by a person or merchant to whom you have given
authority to use your Apple Cash Account, Eligible Device, or Credentials and
that you will be liable for all such uses by such person or merchant.


D. OUR LIABILITY FOR FAILING TO MAKE TRANSFERS.

Our Liability for Failing to Make Transfers. If we do not complete a transaction
to or from your Payment Account on time or in the correct amount according to
these Terms, we may be liable for your losses or damages under section 910 of
the Electronic Fund Transfer Act (Title IX of the Consumer Credit Protection
Act, 15 U.S.C. §§ 1693 et seq.). However, there are some exceptions. We will not
be liable, for instance: (i) if, through no fault of ours, your Apple Cash Card
funds are insufficient for the transaction or are unavailable for withdrawal
(for example, because they have not been finally collected or are subject to
legal process); (ii) if a computer system or POS terminal was not working
properly and you knew about the problem when you started the transaction; (iii)
if a merchant refuses to honor your Apple Cash Card; (iv) if circumstances
beyond our control (such as fire, flood, terrorist attack, or national
emergency) prevent the transaction, despite reasonable precautions that we have
taken; (v) if you attempt to use your Apple Cash Account that has not been
verified once identity verification is required; (vi) if your Eligible Device
has been reported as lost or stolen, if your Credentials or Apple Cash Account
have been compromised, if your Apple Cash Account has been suspended by us, if
we have limited or revoked your Apple Cash Account privileges, or if we have
reason to believe the transaction is not authorized by you; or (vii) as
otherwise provided in these Terms.


E. PREAUTHORIZED PAYMENTS AND YOUR RIGHT TO STOP PREAUTHORIZED PAYMENTS.

If you have arranged to have a preauthorized payment made to your Apple Cash
Card at least once every 60 days from the same person, the person making the
payment should tell you every time they send the payment to your Apple Cash
Card. You may also call us at (877) 233-8552 and access your Apple Cash Account
information on your Eligible Device to find out whether or not the payment has
been made to your Apple Cash Card.

If you have told us in advance to make regular payments with your Apple Cash
Card, you can stop any of these payments by calling us at (877) 233-8552 or by
writing us at Apple Cash Customer Service, P.O. Box 5100, Pasadena, California
91117 in time for us to receive your request at least 3 business days before the
payment is scheduled to be made. If you call, we may also require you to put
your request in writing and get it to us within 14 days after you call. If you
order us to stop one of these payments at least 3 business days before the
payment is scheduled, and we do not do so, we will be liable for your losses or
damages to the extent provided in these Terms or required by applicable law. If
these regular payments vary in amount, the person you are going to pay should
tell you, at least 10 days before each payment, when the payment will be made
and how much it will be. Please note that the person you are going to pay may
give you the option of receiving notice only when a transfer falls outside a
specified range of amounts or only when a transfer differs from the most recent
transfer by more than an agreed-upon amount.


F. DISPUTES WITH MERCHANTS.

We are not responsible for the delivery, quality, safety, legality, or any other
aspect of goods and services that you purchase with your Apple Cash Card.


10. PRIVACY POLICY; AUTHORIZATION TO COLLECT AND USE DATA


A. PRIVACY POLICY.

Our Privacy Policy governs our collection, use, storage, and disclosure of your
information as a result of using the Services. You acknowledge and agree that
you have been presented with the opportunity to review our Privacy Policy prior
to accepting these Terms.

Our Privacy Policy discloses our sharing of personal information about you with
third parties. We only share your personal information with third parties: (i)
if it is necessary for completing transactions or otherwise providing or
improving the Services; (ii) to verify the existence and condition of your Apple
Cash Account with us for a third party (e.g., a merchant); (iii) to comply with
government agency or court orders; (iv) if you give us your consent; (v) to
enable our service providers to administer your Apple Cash Account and perform
data processing, records management, collections, identity verification,
customer service, and other similar services for us; and (vi) to identify,
prevent, investigate, or report possible suspicious or illegal activity.

We may disclose information that is not personally identifiable for other
purposes.


B. AUTHORIZATION TO COLLECT AND SHARE DATA.

You agree that we may collect, transmit, store, and use information about you in
accordance with our Privacy Policy. Such information includes technical,
location, login, or other information about you and your use of your Apple Cash
Account through Apple Pay. You acknowledge that, in accordance with our Privacy
Policy, (i) Apple, the provider of Apple Pay technology that supports the Apple
Cash Account in Apple Pay, as well as Apple’s sub–contractors, agents, and
affiliates, and (ii) the payment network for the Apple Cash Card, as well as its
sub–contractors, agents, and affiliates, will have access to certain information
about your Apple Cash Account and your use of the Services. In addition, you
acknowledge that, in accordance with our Privacy Policy, we may share
information regarding your Apple Cash Account with Apple Payments as necessary
for Apple Payments to process Disbursements and Direct Payments to and from your
Apple Cash Account.

Furthermore, you acknowledge that the use and disclosure of any personal
information provided by you directly to Apple, the payment network for the Apple
Cash Card, or other third parties supporting Apple Pay will be governed by such
party’s privacy policy and not our Privacy Policy.

For our compliance purposes and in order to provide the Services to you, you
hereby authorize us to, directly or through a third party, obtain, verify, and
record information and documentation for purposes of verifying your identity and
your payment account information.


11. ADDITIONAL PROVISIONS RELATED TO THE SERVICES


A. FDIC INSURANCE.

We will hold the money credited to your Apple Cash Card in a custodial account
at a Depository we choose on your behalf. We will act as the Depository unless
we notify you otherwise. Bank also operates under the brands GO2bank, GoBank and
Bonneville Bank. Deposits under any of these trade names are deposits with a
single FDIC-insured bank, Green Dot Bank, and are aggregated for deposit
insurance coverage.

If you register your Apple Cash Account with us, the amount of money that we
hold in this custodial account on your behalf will be eligible for federal
deposit insurance from the FDIC, together with all other funds that you hold at
the Depository in the same right and capacity, up to the maximum limit
established by the FDIC. If you do not register your Apple Cash Account with us
or we are unable to verify your identity, any funds credited to your Apple Cash
Card will not be insured by the FDIC in your name.


B. NO INTEREST.

You will not receive any interest on the funds credited to your Apple Cash Card.


C. CONTACTING ISSUERS OF SUPPORTED PAYMENT CARDS.

If you believe your Supported Payment Card has been used to transfer money via
the Services without your permission, you should immediately contact the issuer
of that Supported Payment Card and otherwise comply with the policies and
procedures set forth in the agreement with the issuer of your Supported Payment
Card, as well as these Terms.


D. JAILBROKEN DEVICES.

If you make unauthorized modifications to your Eligible Device, such as by
disabling hardware or software controls (sometimes referred to as
“jailbreaking”), your Eligible Device may no longer be eligible to access or use
the Services. You acknowledge that the use of a modified Eligible Device in
connection with the Services is expressly prohibited, constitutes a violation of
these Terms, and is grounds for us to deny or limit your access to your Apple
Cash Account.


E. COMMUNICATING WITH BANK.

If you provide Bank with your phone number, you consent to receive automatically
dialed and prerecorded calls and text messages at that number from Bank or
others acting on Bank’s behalf, but only related to your Apple Cash Account and
never for promotional purposes. When you communicate with Bank by telephone or
electronically regarding your Apple Cash Account, you agree that Bank may record
these phone calls and save these electronic communications without further
notice to you or any party to these communications.


F. TAXES.

You acknowledge and agree that you are solely responsible for determining,
paying, withholding, filing, and reporting all taxes, duties, and other
governmental assessments associated with your activity in connection with the
Services. We are not responsible for determining whether you owe taxes in
connection with your access to or use of the Services or for collecting,
reporting, or remitting taxes arising from your access to or use of the
Services, except for our own income taxes.


12. INDEMNIFICATION

You agree to indemnify, hold harmless, and (at our request) defend us and any
Program Manager, Issuer, and Depository we may designate, our and their
affiliates, and our and their respective employees, officers, directors, agents,
and contractors from and against all claims, demands, suits, damages, costs,
lawsuits, fines, penalties, liabilities, and expenses, including reasonable
attorneys’ fees, that arise from any third-party claim due to or arising out of:
(i) your access to or use of the Services; (ii) your breach or alleged breach of
these Terms; (iii) your violation of applicable law, including, but not limited
to, infringement of third-party intellectual property rights; (iv) any action we
take pursuant to your instructions; or (v) your other actions or omissions that
result in liability to us. We reserve the right, at your expense, to assume the
exclusive defense and control of any matter for which you are required to
indemnify us under these Terms, and you agree to cooperate with our defense of
these claims.


13. DISCLAIMERS

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY UNDERSTAND AND
AGREE THAT YOUR ACCESS TO AND USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS,
AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE
THROUGH THE SERVICES ARE AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMITTED BY
APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS
WITHOUT ANY WARRANTIES OF ANY KIND, AND WE EXPRESSLY DISCLAIM ANY AND ALL
CONDITIONS, REPRESENTATIONS, WARRANTIES, EXPRESS OR IMPLIED, STATUTORY, OR
OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF TITLE,
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE SERVICES WILL
MEET YOUR REQUIREMENTS; (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE,
OR ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES
WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES,
INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES
WILL MEET YOUR EXPECTATIONS; OR (E) ANY ERRORS IN THE SERVICES WILL BE
CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US OR ANY OF OUR
AUTHORIZED REPRESENTATIVES WILL CREATE ANY WARRANTY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS OF IMPLIED
WARRANTIES, SO THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.
HOWEVER, ANY LIMITATION WILL BE CONSTRUED TO MAXIMUM EXTENT PERMITTED UNDER
APPLICABLE LAW.


14. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE AND ANY PROGRAM MANAGER,
ISSUER, AND DEPOSITORY WE MAY DESIGNATE, OUR AND THEIR AFFILIATES, AND OUR AND
THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, AND CONTRACTORS WILL
NOT BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR
IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SERVICES OR ANY INFORMATION,
PRODUCTS, OR OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR
ACCESSIBLE THROUGH THE SERVICES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT,
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF
ANY KIND, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING,
EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR
ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER
CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF
FORESEEABLE. WITHOUT LIMITING THE FOREGOING AND TO THE FULLEST EXTENT PERMITTED
BY APPLICABLE LAW, IN THE EVENT YOU OR ANY OTHER PERSON OR ENTITY IS ENTITLED TO
DIRECT DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS, USE, OR
INABILITY TO ACCESS OR USE, THE SERVICES OR ANY INFORMATION, PRODUCTS, OR OTHER
CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE THROUGH THE
SERVICES, THE COLLECTIVE LIABILITY OF BANK AND ANY OTHER PROGRAM MANAGER,
ISSUER, AND DEPOSITORY WE MAY DESIGNATE, OUR AND THEIR AFFILIATES, AND OUR AND
THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, AND CONTRACTORS
(REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) WILL
NOT EXCEED $100.

IN ADDITION TO AND WITHOUT LIMITING ANY OF THE FOREGOING, WE AND ANY PROGRAM
MANAGER, ISSUER, OR DEPOSITORY WE MAY DESIGNATE WILL HAVE NO LIABILITY FOR ANY
FAILURE OR DELAY RESULTING FROM ANY CONDITION BEYOND OUR REASONABLE CONTROL,
INCLUDING, WITHOUT LIMITATION, ACTS OF GOD, ACTS OF TERRORISM, LABOR CONDITIONS,
POWER FAILURES, INTERNET DISTURBANCES, OR ANY SERVICES OR SYSTEMS CONTROLLED BY
THIRD PARTIES.

THE LIMITATIONS IN THIS SECTION DO NOT AFFECT ANY LIABILITY THAT CANNOT BE
EXCLUDED OR LIMITED UNDER APPLICABLE LAW.


15. ARBITRATION NOTICE

THESE TERMS CONTAIN AN ARBITRATION PROVISION. PLEASE READ THIS PROVISION
CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS.


A. ACKNOWLEDGMENT OF ARBITRATION.

The Services are being made available and priced by Bank on the basis of your
acceptance of the following arbitration provision. By accepting these Terms or
otherwise accessing or using the Services, you acknowledge that you are giving
up the right to litigate Claims (as defined below) if either party elects
arbitration of the Claims pursuant to this Section, except as otherwise
expressly provided herein, and you hereby knowingly and voluntarily waive the
right to trial of all Claims subject to these Terms. You further acknowledge
that you have read this arbitration provision carefully, agree to its terms, and
are entering into these Terms voluntarily and not in reliance on any promises or
representations whatsoever except those contained in these Terms.


B. ARBITRATION OF CLAIMS.

Except as expressly provided herein, any claim, dispute, or controversy (whether
based upon contract; tort, intentional or otherwise; constitution; statute;
common law; or equity and whether pre-existing, present or future), including
initial claims, counter-claims, cross-claims, and third-party claims, arising
from or relating to: (i) the Services or any other service relating to your
Apple Cash Account; (ii) the marketing of the Services; (iii) these Terms,
including the validity, enforceability, interpretation, scope, or application of
these Terms and this arbitration provision (except for the prohibition on class
or other non-individual claims, which will be for a court to decide); and (iv)
any other agreement or instrument relating to the Services (“Claim”) shall be
decided, upon the election of you or Bank (or Bank’s agents, employees,
successors, representatives, affiliated companies, or assigns), by binding
arbitration. Arbitration replaces the right to litigate a Claim in court or to
have a jury trial. The American Arbitration Association (“AAA”) will serve as
the arbitration administrator. You may obtain copies of the current rules,
forms, and instructions for initiating an arbitration with the AAA by contacting
the AAA as follows: online at www.adr.org or by writing to the AAA at American
Arbitration Association, Case Filing Services, 1101 Laurel Oak Road, Suite 100,
Voorhees, NJ 08043.


C. OTHER CLAIMS SUBJECT TO ARBITRATION.

In addition to Claims brought by either you or Bank, Claims made by or against
Bank by or against anyone connected with you or Bank or claiming through you or
Bank (including an employee, agent, representative, affiliated company,
predecessor or successor, heir, assignee, or trustee in bankruptcy) will be
subject to arbitration as described herein.


D. EXCEPTIONS.

We agree not to invoke our right to arbitrate any individual Claim you bring in
small claims court or an equivalent court so long as the Claim is pending only
in that court. This arbitration provision also does not limit or constrain
Bank’s right to interplead funds in the event of Claims to funds associated with
your Apple Cash Account by several parties.


E. INDIVIDUAL CLAIMS ONLY.

Claims may be submitted to arbitration on an individual basis only. Claims
subject to this arbitration provision may not be joined or consolidated in
arbitration with any Claim of any other person or be arbitrated on a class
basis, in a representative capacity on behalf of the general public, or on
behalf of any other person, unless otherwise agreed to by the parties in
writing. However, related Apple Cash Accounts are considered as one person, and
Bank, its employees, officers, directors, agents, and affiliates are considered
as one person.


F. ARBITRATION FEES.

If you initiate arbitration, Bank will advance any arbitration fees, including
any required deposit. If Bank initiates or elects arbitration, Bank will pay the
entire amount of the arbitration fees, including any required deposit. Bank will
also be responsible for payment and/or reimbursement of any arbitration fees to
the extent that such fees exceed the amount of the filing fees you would have
incurred if your Claim had been brought in the state or federal court nearest
your residence with jurisdiction over the Claims.


G. PROCEDURE.

A single arbitrator will resolve the Claims. The arbitrator will be a lawyer
with at least ten years of experience or who is a former or retired judge. The
arbitration will follow the AAA’s rules and procedures in effect on the date the
arbitration is filed, except when there is a conflict or inconsistency between
the AAA’s rules and procedures and this arbitration provision, in which case
this arbitration provision will govern. Any in-person arbitration hearing for a
Claim will take place within the federal judicial district in which you live or
at such other reasonably convenient location as agreed by the parties. The
arbitrator will apply applicable substantive law consistent with the Federal
Arbitration Act, 9 U.S.C. §§ 1 et seq. (the “FAA”), and will honor all claims of
privilege and confidentiality recognized at law. All statutes of limitations
that would otherwise be applicable will apply to any arbitration proceeding. The
arbitrator will be empowered to grant whatever relief would be available in
court under law or in equity. Any appropriate court may enter judgment upon the
arbitrator’s aware. This arbitration provision is made pursuant to a transaction
involving interstate commerce and will be governed by the FAA.


16. CHANGES TO THESE TERMS

We may modify, suspend, or discontinue the Services and/or revise these Terms
from time to time in our sole discretion without prior notice or liability to
you, subject to applicable law. If we are required to provide you notice of any
changes to these Terms, we will do so in accordance with the Electronic
Communications Agreement. Subject to applicable law, your continued use of the
Services following such notice shall be deemed to be your acceptance of such
modified version of these Terms.

In certain instances, we may not give you advance notice if we need to make the
change immediately in order to comply with applicable law or to maintain or
restore the security of your Apple Cash Account or the Services. If any such
change will not be temporary and disclosure to you of that change would not
jeopardize the security of your Apple Cash Account or the Services, we will
provide notice to you within 30 days after making the change or as otherwise
required by applicable law.

You are free to decide whether or not to accept a revised version of these
Terms, but accepting these Terms, as revised, is required for your continued
access to and use of the Services. If you do not agree to these Terms or any
revised version of these Terms, your sole recourse is to cease accessing and
using the Services. Except as otherwise expressly stated by us, your access to
and use of the Services are subject to the version of these Terms in effect at
the time of your access or use.


17. MISCELLANEOUS


A. GOVERNING LAW; JURISDICTION.

These Terms will be governed by and interpreted in accordance with federal law
and, to the extent federal law does not apply, the laws of the State of Utah.
You consent and submit to the exclusive jurisdiction of the state and federal
courts located in Salt Lake City, Utah with respect to all controversies arising
out of or in connection with your access to and use of the Services and these
Terms that are not subject to arbitration or to any proceedings to enforce the
arbitration provision or to confirm or vacate an arbitration award. If our
records reflect that you are a resident of Illinois, the laws of the State of
Illinois, rather than Utah, will apply to the extent federal law does not apply,
and all controversies arising out of or in connection with your access to and
use of the Services and these Terms that are not subject to arbitration or to
any proceedings to enforce the arbitration provision or to confirm or vacate an
arbitration award must be brought by us in the state and federal courts of
Illinois.


B. OUR BUSINESS DAYS.

Our business days are Monday through Friday, excluding federal and legal banking
holidays in the State of Utah.


C. ENTIRE AGREEMENT.

These Terms, together with the Electronic Communications Agreement and Privacy
Policy, set forth the entire understanding and agreement between you and us,
whether written or oral, with respect to the Services and supersede any prior or
contemporaneous understandings or agreements with respect to the Services. If
any of the provisions of these Terms are invalid, or declared invalid by order
of court, change in applicable law, or regulatory authority, the remaining
provisions of these Terms will not be affected, and these Terms will be
interpreted as if the invalid provisions had not been included in these Terms.
These Terms may not be modified, supplemented, qualified, or interpreted by any
trade usage or prior course of dealing not expressly made a part of these Terms.
These Terms and any rights hereunder, including your Apple Cash Account, may not
be sold, transferred, or assigned by you without our prior written consent, but
may be sold, transferred, or assigned by us in whole or in part (including with
respect to our roles as Program Manager, Issuer, or Depository) without
restriction and without your prior consent. Any attempted sale, transfer, or
assignment by you without our prior written consent will be null and void. No
agency, joint venture, partnership, trust, or employment relationship is created
between you and us by way of these Terms. The failure by us to enforce at any
time any of the provisions of these Terms, to exercise any election or option
provided herein, to require at any time your performance of any of the
provisions herein, or to enforce our rights under these Terms or applicable law
will not in any way be construed as a waiver of such provisions or rights. The
section headings used herein are for convenience only and will not be given any
legal import.


D. OWNERSHIP AND PROPRIETARY RIGHTS IN THE SERVICES.

All right, title, and interest in and to the Services, including any updates,
upgrades, and modifications thereto, and any associated patents, trademarks,
copyrights, mask work rights, trade secrets, and other intellectual property
rights, belong solely and exclusively to Bank and its licensors, and, except as
expressly set forth in these Terms, we do not grant you any licenses or other
rights, express or implied, to the Services. You acknowledge and agree that the
Services are protected by applicable copyright, trademark, and other
intellectual property laws. All words and logos displayed in connection with the
Services that are marked by the ™ or ® symbols are trademarks and service marks
of Bank and/or their respective owners. The display of a third-party trademark
in connection with the Services does not mean that we have any relationship with
that third party or that such third party endorses the Services or Bank.

Subject to these Terms, we hereby grant you a limited, revocable, personal,
non-exclusive, and non-transferable right and license to access and use the
Services solely for your personal, non-commercial purposes. Except as expressly
provided by these Terms or as otherwise expressly permitted by us, you may not
use, modify, disassemble, decompile, reverse engineer, reproduce, distribute,
rent, sell, license, publish, display, download, transmit, or otherwise exploit
the Services in any form by any means. Without limiting the foregoing, you agree
not to (and not to allow any third party to): (i) use any robot, spider,
scraper, or other automatic or manual device, process, or means to access or
copy the Services; (ii) take any action that imposes or may impose (in our sole
determination) an unreasonable or a disproportionately large load on the
Services or our infrastructure; (iii) utilize any device, software, or routine
that will interfere or attempt to interfere with the functionality of the
Services; (iv) rent, lease, copy, provide access to, or sublicense any portion
of the Services to a third party; (v) use any portion of the Services to
provide, or incorporate any portion of the Services into, any product or service
provided to a third party; (vi) remove or obscure any proprietary or other
notices contained in the Services; or (vii) use the Services for any illegal or
unauthorized purpose.

Without limiting any of the other terms of these Terms and except as otherwise
expressly permitted by us, you may not: (i) access or use any part of the
Services for any commercial purpose; (ii) access or use the Services for any
illegal purpose; (iii) modify or attempt to modify or in any way tamper with the
Services; (iv) access or use the Services in a way that may infringe upon the
intellectual property or other rights of any third party, including, without
limitation, trademark, copyright, privacy, or publicity rights; or (v) interfere
with or disrupt networks connected to the Services or violate the regulations,
policies, or procedures of such networks.


E. INTELLECTUAL PROPERTY RIGHTS TO APPLE PAY.

All intellectual property rights, including all patents, trade secrets,
copyrights, trademarks, and moral rights, in Apple Pay are owned by Apple, and
all text, graphics, software, photographs, and other images, videos, sound,
trademarks, and logos are owned either by Apple or its licensors. Nothing in
these Terms gives you any rights in respect of any intellectual property owned
by Apple, its licensors, or third parties, and you acknowledge that you do not
acquire any ownership rights by using your Apple Cash Account in connection with
Apple Pay.


F. CONTACT US.

If you have any questions regarding these Terms or the Services, please contact
us at (877) 233-8552.


18. EFFECTIVE DATE.

August 5, 2021 to present

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ELECTRONIC COMMUNICATIONS AGREEMENT

Green Dot Bank, member FDIC(“Bank”), and Apple Payments Inc. (“Apple Payments”,
and together with Bank (“we”, “us”, or “our”), and our respective designees may
need to provide you with certain information, agreements, or disclosures in
writing in connection with your use of the Services offered by Bank and the
Direct Payments Service (as defined in the Direct Payments Service Terms and
Conditions (the “Direct Payments Terms”)) offered by Apple Payments in
connection with Apple Cash (each, a “Communication”). By agreeing to this
Electronic Communications Agreement (this “Agreement”), you are confirming your
ability, and providing your consent, to receive Communications electronically
from us, Apple Inc., and our service providers and affiliates instead of in
paper form and to the use of electronic signatures in our relationship with you.
Without limiting the foregoing, you further agree that Communications may be
provided to you via email, text message, iOS or watchOS notifications, or other
electronic notification methods supported by the software you use to access the
Services or the Direct Payments Service. Any terms that are capitalized but not
defined in this Agreement have the meaning given to them in the Apple Cash Terms
and Conditions (the “Terms”).

Our ability to provide Communications to you electronically is dependent upon
you maintaining a valid email address. We may send Communications to the email
address that is associated with your Apple ID. Therefore, you agree to maintain
a valid email address associated with your Apple ID for as long as you maintain
your Apple Cash Account. In the event Communications are provided to you via
email, via text message, within an application, or via the software you use to
access the Services or Direct Payments Service, it is your responsibility to
review those Communications. We and our designees may, at our discretion, mail
paper copies of Communications to you, in addition to or instead of sending them
to you electronically.

You understand and agree that: (i) this Agreement, together with the Terms and
the Direct Payments Terms, will be entered into electronically; (ii) you meet
the minimum hardware and software requirements specified below; (iii) your
consent to receive Communications electronically will remain valid until you
withdraw your consent by closing your Apple Cash Account; and (iv)
Communications that may be provided electronically include, but are not limited
to, the following:

 * Agreements (including the Terms, the Direct Payments Terms, and this
   Agreement) and disclosures, including changes to and updated versions of
   those agreements and disclosures;
 * Bank’s Privacy Policy, the Direct Payments Privacy Notice, as well as annual
   notices and other disclosures regarding Bank’s Privacy Policy and the Direct
   Payments Privacy Notice;
 * Information regarding your use of the Services and the Direct Payments
   Service, including your Apple Cash Card balance and your Apple Cash Account
   activity;
 * Account statements, authorizations, receipts, and transaction histories
   related to your use of the Services and the Direct Payments Service;
 * Notices to you of the resolution of any error regarding your Apple Cash
   Account; and
 * Inquiries and notices to you about transactions made with the Services or the
   Direct Payments Service.

In order to receive Communications, you must meet the following hardware and
software requirements:

 * Have an iPhone, iPad, or Apple Watch that is capable of utilizing Apple Pay
   and has internet access through a wireless operator (an “Eligible Device”);
 * Have iOS 12.3 or watchOS 5.2.1, or subsequent versions of such software,
   installed on your Eligible Device; and
 * Have a valid email address associated with your Apple ID.

In order to retain Communications, you will need the ability to electronically
store or print Communications, including from your Eligible Devices. We may
change these requirements from time to time.

Consent to receiving electronic Communications is a requirement of being able to
access and use the Services and the Direct Payments Service. Except as may be
required by applicable law, you do not have the option of requesting
Communications in paper or non-electronic form. You can withdraw your consent
only by closing your Apple Cash Account. For information on closing your Apple
Cash Account, please see the subsection entitled “Your Right to Suspend or Close
your Apple Cash Account” in the Terms.

If you have any questions regarding this Agreement, the Services, or the Direct
Payments Service, please contact us at (877) 233-8552.

Effective Date. Effective August 6, 2019 to present.

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DIRECT PAYMENTS TERMS AND CONDITIONS

These Direct Payments Terms and Conditions (these “Direct Payments Terms”) are a
legal agreement between you (“you” or “your”) and Apple Payments Inc. (“Apple
Payments”, “we”, “us” or “our”) that govern your use of the Direct Payments
Service (as defined below). These Direct Payments Terms supplement and are in
addition to other terms and conditions that you have entered governing your use
of Apple Cash, including Bank’s Apple Cash Terms and Conditions (the “Apple Cash
Terms”) and the Electronic Communications Agreement. Capitalized terms that are
not defined in these Direct Payments Terms have the meanings given to them in
the Apple Cash Terms. “Bank” means Green Dot Bank, member FDIC, the issuer of
your Apple Cash Account. In the event of a conflict between these Direct
Payments Terms and the Apple Cash Terms, these Direct Payments Terms will
govern, but solely with respect to the Direct Payments Service.

THESE DIRECT PAYMENTS TERMS CONTAIN AN ARBITRATION NOTICE. PLEASE READ THIS
NOTICE CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING BY REQUIRING
MANDATORY INDIVIDUAL ARBITRATION OF DISPUTES.


1. THE DIRECT PAYMENTS SERVICE

The “Direct Payments Service” allows you to use funds in your Payment Account to
make payments directly to certain eligible businesses that we designate from
time to time and that you authorize (each, a “Payment”). There are no fees for
using the Direct Payments Service. When you make a Payment to an eligible
business utilizing the Direct Payments Service, you authorize us to withdraw the
necessary funds from your Payment Account in accordance with your instructions,
which may be provided either to us directly or to the business to which you are
making the Payment. Your requested Payments may be declined if you do not have
sufficient funds available in your Payment Account to satisfy the requested
Payment.

When you use the Direct Payments Service, your Payment will be made through an
electronic funds transfer. We will generally withdraw the funds from your
Payment Account and electronically transmit those funds to the business on the
same day as your request.

You may access the Direct Payments Service with all of the Eligible Devices that
are associated with your Apple ID. You acknowledge that these Direct Payments
Terms will govern your use of the Direct Payments Service across all of your
Eligible Devices, and that you will only be presented with these Direct Payments
Terms at the time you initially agree to use the Direct Payments Service.


2. ELIGIBILITY AND LIMITS


A. ELIGIBILITY.

In order to use the Direct Payments Service, you must have an Apple Cash Account
in good standing with Bank. As a result, all of the eligibility requirements set
forth in the Apple Cash Terms must be satisfied in order for you to use the
Direct Payments Service. If you suspend your Apple Cash Account on an Eligible
Device, you will not be able to use the Direct Payments Service on that Eligible
Device. Similarly, if your Apple Cash Account is closed entirely, you will no
longer be able to access the Direct Payments Service.

Additionally, you must have successfully registered your Apple Cash Account with
Bank before you can use the Direct Payments Service. Please see the subsection
entitled “Registering your Apple Cash Account with Bank” in the Apple Cash Terms
and Conditions to learn more about how you can register your Apple Cash Account
with Bank.


B. LIMITS ON DIRECT PAYMENTS SERVICE TRANSFERS.

Your use of the Direct Payments Service is subject to the following limits:

 * Payments: $0.01 - $20,000 per transaction; up to $20,000 for any rolling
   7-day period.

Limits are subject to change. We will notify you as required by applicable law
if these limits decrease. However, please note that we may lower these limits,
impose additional limits, or cancel, delay, or block a Payment without prior
notice for security reasons or as otherwise described in these Direct Payments
Terms. The Bank may also impose limits pursuant to the Apple Cash Terms.


C. ADDITIONAL LIMITS ON YOUR USE OF THE DIRECT PAYMENTS SERVICE.

We may decline to complete or delay a Payment: (i) if we believe it may involve
or result in a violation of applicable law or expose us to liability or risk of
loss; (ii) if the Payment instructions or authorization are unclear, ambiguous,
or incomplete; (iii) if we identify a fraud or security risk involving an
individual Payment or the Direct Payments Service; or (iv) as otherwise stated
in these Direct Payments Terms or the Apple Cash Terms. We are not responsible
for any losses or damages that may result from our delay or cancellation of a
Payment or for any failure to notify you of such delay or cancellation, except
as otherwise expressly provided in these Direct Payments Terms. You agree not to
use the Direct Payments Service in connection with unlawful domestic or
international gambling websites or payment processors that support unlawful
gambling websites or to purchase illegal goods or services.


3. DIRECT PAYMENTS SERVICE TRANSACTION HISTORY

You may obtain information about your Payments at any time and at no cost
directly from your Eligible Device. Additionally, you may obtain a more detailed
electronic transaction history of your Apple Cash Account transactions,
including information regarding Payments made using the Direct Payments Service,
at any time and at no cost by requesting one directly from your Eligible Device.
You may also obtain this transaction history at any time and at no cost by
calling (877) 233-8552 or writing Bank at Electronic Transaction History
Request, P.O. Box 5100, Pasadena, California 91117. If you submit your request
to Bank in writing, please include your name, date of birth, and address with
your request. Upon your request, Bank will send your transaction history to the
email address associated with your Apple ID.


4. ADDITIONAL TERMS AND CONDITIONS FOR USING THE DIRECT PAYMENTS SERVICE

Except as otherwise expressly provided herein or as otherwise required by
applicable law, Payments authorized in connection with the Direct Payments
Service are non-refundable. We are not responsible for any loss of funds if you
give incorrect instructions or if your payment instructions are not given
sufficiently in advance to allow for timely delivery of your Payment. You
represent and warrant that all Payments you make comply with applicable law.

Except as otherwise expressly provided herein, and without limiting any other
provisions of these Direct Payments Terms, we will not be liable if we fail to
send, or delay the transmission of, funds to a designated business through the
Direct Payments Service if: (i) you have insufficient funds available to
complete the Payment with your Apple Cash Account; (ii) we or the Bank believe
the Payment may violate applicable law, these Direct Payments Terms or the Apple
Cash Terms; (iii) we or the Bank identify a security risk involving the Payment
or the Direct Payments Service; (iv) circumstances beyond our control (such as
fire, flood, terrorist attack, or national emergency) prevent the Payment,
despite reasonable precautions that we have taken; or (v) your Apple Cash Card
or an Eligible Device that you have provisioned your Apple Cash Card to has been
reported as lost or stolen or if we or the Bank have reason to believe that your
Credentials have been compromised or that the Payment is not authorized by you.
We cannot guarantee the timely delivery of funds as a result of a failure of
another financial institution or payment intermediary to act in a timely manner.


5. CUSTOMER SERVICE


A. IN CASE OF QUESTIONS ABOUT YOUR PAYMENTS

Please call (877) 255-5923 if you think a mistake has occurred in connection
with a Payment. If you have questions about your Apple Cash Account with Bank,
please call (877) 233-8552. You can also find additional information regarding
Apple Payments at www.applepayments.apple.com.


B. COOPERATION IN RECOVERY EFFORTS

You agree to cooperate reasonably with us and our agents and service providers
in our attempts to recover funds from, and to assist in the prosecution of, any
unauthorized use of the Direct Payments Service. You agree that any unauthorized
use does not include use by a person to whom you have given authority to use
your Apple Cash Account, Eligible Device, or Credentials and that you will be
liable for all such uses by such person.


C. DISPUTES WITH BUSINESSES

We are not responsible for the delivery, quality, safety, legality or any other
aspect of goods or services for which Payment are made using the Direct Payments
Service.


6. PRIVACY AND DATA SHARING

Our collection, use, storage, and disclosure of your information as a result of
using the Direct Payments Service is governed by the Direct Payments Privacy
Notice. As described in greater detail in Section 10(B) of the Apple Cash Terms
entitled “Authorization to Collect and Share Data”, Bank shares data regarding
your Apple Cash Account with Apple Payments as necessary in order to process
Payments. You can learn how Bank protects your information by reviewing their
privacy policy at applepaycash.greendot.com/privacy/.


7. BUSINESS DAYS

Our business days are Monday through Friday, excluding U.S federal holidays.


8. INDEMNIFICATION

You agree to indemnify, hold harmless, and (at our request) defend us and any
Program Manager, Issuer, and Depository, our and their affiliates, and our and
their respective employees, officers, directors, agents, and contractors from
and against all claims, demands, suits, damages, costs, lawsuits, fines,
penalties, liabilities, and expenses, including reasonable attorneys’ fees, that
arise from any third-party claim due to or arising out of: (i) your access to or
use of the Direct Payments Service; (ii) your breach or alleged breach of these
Direct Payments Terms; (iii) your violation of applicable law, including, but
not limited to, infringement of third-party intellectual property rights; (iv)
any action we take pursuant to your instructions; or (v) your other actions or
omissions that result in liability to us. We reserve the right, at your expense,
to assume the exclusive defense and control of any matter for which you are
required to indemnify us under these Direct Payments Terms, and you agree to
cooperate with our defense of these claims.


9. DISCLAIMERS

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY UNDERSTAND AND
AGREE THAT YOUR ACCESS TO AND USE OF THE DIRECT PAYMENTS SERVICE AND ALL
INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES)
INCLUDED IN OR ACCESSIBLE THROUGH THE DIRECT PAYMENTS SERVICE ARE AT YOUR OWN
RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE DIRECT PAYMENTS
SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY
WARRANTIES OF ANY KIND, AND WE EXPRESSLY DISCLAIM ANY AND ALL CONDITIONS,
REPRESENTATIONS, WARRANTIES, EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE,
INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF TITLE, MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE DIRECT PAYMENTS
SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE DIRECT PAYMENTS SERVICE WILL BE
UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS THAT MAY BE
OBTAINED FROM THE USE OF THE DIRECT PAYMENTS SERVICE WILL BE ACCURATE OR
RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER
MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE DIRECT PAYMENTS SERVICE WILL
MEET YOUR EXPECTATIONS; OR (E) ANY ERRORS IN THE DIRECT PAYMENTS SERVICE WILL BE
CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US OR ANY OF OUR
AUTHORIZED REPRESENTATIVES WILL CREATE ANY WARRANTY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS OF IMPLIED
WARRANTIES, SO THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.
HOWEVER, ANY LIMITATION WILL BE CONSTRUED TO MAXIMUM EXTENT PERMITTED UNDER
APPLICABLE LAW.


10. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE AND ANY PROGRAM MANAGER,
ISSUER, AND DEPOSITORY, OUR AND THEIR AFFILIATES, AND OUR AND THEIR RESPECTIVE
EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, AND CONTRACTORS WILL NOT BE LIABLE FOR
DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION
WITH YOUR ACCESS TO OR USE OF THE DIRECT PAYMENTS SERVICE OR ANY INFORMATION,
PRODUCTS, OR OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR
ACCESSIBLE THROUGH THE DIRECT PAYMENTS SERVICE, INCLUDING, BUT NOT LIMITED TO,
ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE
DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND
SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF
BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA,
AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR
OTHERWISE, EVEN IF FORESEEABLE. WITHOUT LIMITING THE FOREGOING AND TO THE
FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN THE EVENT YOU OR ANY OTHER PERSON
OR ENTITY IS ENTITLED TO DIRECT DAMAGES ARISING OUT OF OR IN CONNECTION WITH
YOUR ACCESS, USE, OR INABILITY TO ACCESS OR USE, THE DIRECT PAYMENTS SERVICE OR
ANY INFORMATION, PRODUCTS, OR OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES)
INCLUDED IN OR ACCESSIBLE THROUGH THE DIRECT PAYMENTS SERVICE, THE COLLECTIVE
LIABILITY OF APPLE PAYMENTS AND ANY PROGRAM MANAGER, ISSUER, AND DEPOSITORY, OUR
AND THEIR AFFILIATES, AND OUR AND THEIR RESPECTIVE EMPLOYEES, OFFICERS,
DIRECTORS, AGENTS, AND CONTRACTORS (REGARDLESS OF THE FORM OF ACTION, WHETHER IN
CONTRACT, TORT, OR OTHERWISE) WILL NOT EXCEED $100.

IN ADDITION TO AND WITHOUT LIMITING ANY OF THE FOREGOING, WE AND ANY PROGRAM
MANAGER, ISSUER, OR DEPOSITORY WILL HAVE NO LIABILITY FOR ANY FAILURE OR DELAY
RESULTING FROM ANY CONDITION BEYOND OUR REASONABLE CONTROL, INCLUDING, WITHOUT
LIMITATION, ACTS OF GOD, ACTS OF TERRORISM, LABOR CONDITIONS, POWER FAILURES,
INTERNET DISTURBANCES, OR ANY SERVICES OR SYSTEMS CONTROLLED BY THIRD PARTIES.

THE LIMITATIONS IN THIS SECTION DO NOT AFFECT ANY LIABILITY THAT CANNOT BE
EXCLUDED OR LIMITED UNDER APPLICABLE LAW.


13. ARBITRATION NOTICE

THE DIRECT PAYMENTS SERVICE IS BEING MADE AVAILABLE AND PRICED BY APPLE PAYMENTS
ON THE BASIS OF YOUR ACCEPTANCE OF THE FOLLOWING ARBITRATION NOTICE. BY ENTERING
INTO THESE DIRECT PAYMENTS TERMS, YOU ARE AGREEING TO BINDING ARBITRATION RATHER
THAN LITIGATION IN ANY COURT. YOU HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THE
RIGHT TO ASSERT ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THE DIRECT
PAYMENTS TERMS IN ANY COURT, EXCEPT AS EXPRESSLY PROVIDED BELOW IN SECTION
13(C). YOU FURTHER ACKNOWLEDGE THAT YOU ARE ENTERING INTO THESE DIRECT PAYMENTS
TERMS VOLUNTARILY AND NOT IN RELIANCE ON ANY PROMISES OR REPRESENTATIONS
WHATSOEVER EXCEPT THOSE CONTAINED IN THESE DIRECT PAYMENTS TERMS THEMSELVES.

THIS ARBITRATION NOTICE AFFECTS YOUR LEGAL RIGHTS. PLEASE READ IT CAREFULLY.


A. ARBITRATION OF CLAIMS.

You and Apple Payments mutually agree that any dispute, claim, or controversy
(whether based in contract, tort, statute, fraud, misrepresentation, or any
other legal theory) arising out of or relating to these Direct Payments Terms or
the breach, termination, enforcement, interpretation, or validity thereof,
including the determination of the scope or applicability of this agreement to
arbitration, or to the use of the Direct Payments Service (hereinafter “Claim”
or “Claims”) shall be settled by binding arbitration before a single arbitrator.
The arbitration shall be administered by JAMS in accordance with the JAMS
Streamlined Arbitration Rules and Procedures (the “JAMS Streamlined Arbitration
Rules”) in effect on the date the arbitration is filed, and will be governed by
the JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum
Standards of Procedural Fairness (the “JAMS Minimum Consumer
Standards”).Judgment on the award rendered by the arbitrator may be entered in
any court having jurisdiction thereof. This clause shall not preclude parties
from seeking provisional remedies in aid of arbitration from a court of
appropriate jurisdiction. The arbitrator can award any damages or relief on your
individual claim that a court of law could, including individual injunctive
relief and attorneys’ fees when available under the governing law. The
arbitrator will also be empowered to determine the arbitrability of any Claim.
Any Claim will be decided by an arbitrator, rather than by a judge or jury, and
an arbitration award will be final and binding on you and Apple Payments,
without any right of appeal. Court review of an arbitration award will be very
limited.With the exception of Section C below, you and Apple Payments hereby
waive the right to assert any Claim in any court.As set out in Section D below,
all arbitrations will be conducted on an individual basis, and there shall be no
class or collective actions in arbitration.


B. OTHER CLAIMS SUBJECT TO ARBITRATION.

In addition to Claims brought by either you or Apple Payments, Claims made by or
against an employee, agent, representative, affiliated company, or subsidiary of
Apple Payments will be subject to arbitration as described herein.


C. EXCEPTIONS.

We agree not to invoke our right to arbitrate any individual Claim you bring in
small claims court or an equivalent court with jurisdiction, so long as the
Claim is pending only in that court. This arbitration provision does not limit
or constrain Apple Payments’ right to interplead funds in the event of claims to
funds associated with your Payment Account by several parties.


D. INDIVIDUAL CLAIMS ONLY.

Claims may be submitted to arbitration on an individual basis only. Claims
subject to this arbitration provision may not be joined or consolidated in
arbitration with any Claim of any other person or be arbitrated on a class
basis, in a representative capacity, on behalf of the general public, or on
behalf of any other person, unless otherwise agreed to by the parties in
writing. You acknowledge and agree that you are waiving any ability to join or
consolidate your Claim in arbitration with the Claim of any other person and to
bring any Claim on a class basis, in a representative capacity, on behalf of the
general public, or on behalf of any other person. Further, unless you and Apple
Payments both otherwise agree in writing, the arbitrator may not consolidate
your Claim with that of any other person, and may award relief only in favor of
your individual Claim. The arbitrator may not award relief for or against any
other party, whether directly or indirectly. If a court of competent
jurisdiction deems this paragraph to be unenforceable with respect to any Claim,
then the entirety of the Arbitration Notice (the “Notice”) will be deemed void
with respect to such Claim. Except as provided in the preceding sentence, the
Notice will survive any termination of these Direct Payments Terms. Related
Apple Cash Accounts are considered as one person, and Apple Payments, its
employees, officers, directors, agents, and affiliates are considered as one
person. The arbitrator will be competent to determine the arbitrability of any
Claim that is attempted to be joined or consolidated in arbitration with the
Claim of any other person or brought on a class basis, in a representative
capacity, on behalf of the general public, or on behalf of any other person.


E. ARBITRATION FEES.

If you initiate arbitration, Apple Payments will advance any arbitration fees,
including any required deposit. Apple Payments will also be responsible for
payment and/or reimbursement of any arbitration fees which exceed either (1) the
amount of filing fees you would have incurred if your Claim had been brought in
the state or federal court nearest your residence with jurisdiction, or (2) US$
250, whichever is lesser. If Apple Payments initiates or elects arbitration,
Apple Payments will pay the entire amount of the arbitration fees, including any
required deposit. Regardless of who initiates arbitration, Apple Payments will
pay all other arbitration-related costs, including any remaining JAMS Case
Management Fee and all professional fees for the arbitrator’s services.


F. ARBITRATION PROCEDURE.

A single arbitrator will resolve the Claims. The place of arbitration will be
the State in which you are a legal resident. You have the right to an in-person
arbitration hearing for your Claim should you so choose. Any such hearing will
take place within the federal judicial district in which you live, or in a
reasonably convenient location as agreed by the parties. The arbitration will be
conducted in English. The arbitrator will be either a retired judge or an
attorney with at least ten years of experience and will be selected by the
parties; provided, however, that if the parties are unable to agree upon an
arbitrator within seven (7) days of delivery of the Demand for Arbitration, then
JAMS will appoint the arbitrator in accordance with the JAMS Streamlined
Arbitration Rules.The arbitrator will be empowered to grant whatever relief
would be available in court under law or in equity, but may not grant any form
of relief identified in Section D above without the express written consent of
both parties. Discovery or exchange of non-privileged information relevant to
the dispute will be allowed, keeping in mind the reasonable need for the
requested information, the availability of other discovery options, and the
burdensomeness of the request on the opposing party. The arbitrator’s award will
address all claims properly brought before the arbitrator and will include the
essential findings and conclusions upon which the arbitrator based the award.
This arbitration provision is made pursuant to a transaction involving
interstate commerce and will be governed by the FAA. You may obtain copies of
the current JAMS Streamlined Arbitration Rules, forms, and instructions for
initiating an arbitration with JAMS by contacting JAMS online at
www.jamsadr.com. Where there is a conflict or inconsistency between the JAMS
Streamlined Arbitration Rules and procedures and this arbitration provision,
this arbitration provision will govern.


G. CONFIDENTIALITY.

You and Apple Payments agree that any arbitration proceedings initiated
hereunder shall be kept in strict confidence, meaning that you and Apple
Payments agree not to disclose or cause to be disclosed to any third party the
dispute(s) to be arbitrated hereunder, or any of the underlying facts,
circumstances, documents, and other materials relating to such dispute(s),
except as may be necessary in connection with a court application for a
preliminary remedy, a judicial challenge to an award or its enforcement, or
unless otherwise required by law.




H. SEVERABILITY.

Except as provided in Section D, any provision of this Notice deemed
unenforceable by a court of competent jurisdiction may be severed, and the
remainder of the Notice shall be given full force and effect.


14. CHANGE IN TERMS

We may modify, suspend, or discontinue the Direct Payments Service and/or revise
these Direct Payments Terms from time to time in our sole discretion without
prior notice or liability to you, subject to applicable law. If we are required
to provide you notice of any changes to these Direct Payments Terms, we will do
so in accordance with the Electronic Communications Agreement. Subject to
applicable law, your continued use of the Direct Payments Service following such
notice shall be deemed to be your acceptance of such modified version of these
Direct Payments Terms.


15. GOVERNING LAW

The Direct Payments Terms will be governed by and interpreted in accordance with
the laws of the State in which you are a legal resident.


16. EFFECTIVE DATE.

Effective August 6, 2019 to present.

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DIRECT PAYMENTS PRIVACY NOTICE

This Privacy Notice describes how Apple Payments Inc. (“we,” “us,” and “our”)
collects and shares your personal information. This Privacy Notice applies only
to your use of services provided by Apple Payments Inc., and does not apply to
any other product or service that you may obtain from Apple Inc. or its
affiliates or subsidiaries.

FACTS WHAT DOES APPLE PAYMENTS INC. DO WITH YOUR PERSONAL INFORMATION? Why?

Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some, but not all, sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what Apple Payments
Inc. does.

What?

The types of personal information Apple Payments Inc. collects and shares depend
on the product or service you have with us. This information can include:

 * account balances
 * account transactions and purchase history
 * transaction history and payment history

When you are no longer our customer, we continue to share your information as
described in this notice.

How? All financial companies need to share customers’ personal information to
run their everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons Apple
Payments Inc. chooses to share; and whether you can limit this sharing.

Reasons Apple Payments Inc. can share your personal information For Apple
Payments Inc.’s everyday business purposes: such as to process your
transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureaus Does Apple Payments Inc. Share? Yes
Can you limit this sharing? No For Apple Payments Inc.’s marketing purposes: to
offer our products and services to you Does Apple Payments Inc. Share? No Can
you limit this sharing? We don’t share For joint marketing with other financial
companies Does Apple Payments Inc. Share? No Can you limit this sharing? We
don’t share For Apple Payments Inc.’s affiliates’ everyday business purposes:
information about your transactions and experiences Does Apple Payments Inc.
Share? No Can you limit this sharing? We don’t share For Apple Payments Inc.’s
affiliates’ everyday business purposes: information about your creditworthiness
Does Apple Payments Inc. Share? No Can you limit this sharing? We don’t share
For Apple Payments Inc.’s affiliates to market to you Does Apple Payments Inc.
Share? No Can you limit this sharing? We don’t share For nonaffiliates to market
to you Does Apple Payments Inc. Share? No Can you limit this sharing? We don’t
share

Questions Visit applepayments.apple.com.

What we do How does Apple Payments Inc. protect my personal information? To
protect your personal information from unauthorized access and use, Apple
Payments Inc. uses security measures that comply with federal law. These
measures include technical, physical, and administrative safeguards designed to
protect the confidentiality, integrity, and availability of your personal
information. How does Apple Payments Inc. collect my personal information?

Apple Payments Inc. collects your personal information, for example, when you

 * open an account
 * use your account or provide account information
 * give us your contact information

We also collect your personal information from others, such as credit bureaus,
affiliates,or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

 * sharing for affiliates’ everyday business purposes—information about your
   creditworthiness
 * affiliates from using your information to market to you
 * sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.

Definitions Affiliates

Companies related by common ownership or control. They can be financial and
nonfinancial companies.

 * Our affiliates include companies with Apple in their name.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
nonfinancial companies.

 * Apple Payments Inc. does not share with nonaffiliates so they can market to
   you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

 * Apple Payments Inc. does not jointly market.

Other important information

If you are a California resident, we will only share your information with
nonaffiliates if permitted by California law, including if you provide your
consent to the sharing.

If you are a Vermont resident, we will not share information we collect about
you with affiliated or nonaffiliated third parties, except as permitted by
Vermont law, such as to process your transactions or to maintain your account,
or as authorized by you.

Effective Date. Effective August 6, 2019 to present.

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APPLE PAYMENTS INC. LICENSES

Jurisdiction Regulatory Agency Alabama Alabama Securities Commission Alaska
Alaska Department of Commerce, Community, and Economic Development Arizona
Arizona State Banking Department Arkansas Arkansas Securities Department
California California Department of Financial Protection and Innovation Colorado
Colorado Division of Banking Connecticut Connecticut Department of Banking
Delaware Delaware Office of the State Bank Commissioner District of Columbia
District of Columbia Department of Consumer and Regulatory Affairs Florida
Florida Office of Financial Regulation Georgia Georgia Department of Banking and
Finance Idaho Idaho Department of Finance Hawaii Hawaii Division of Financial
Institutions Illinois Illinois Department of Financial and Professional
Regulation Indiana Indiana Department of Financial Institutions Iowa Iowa
Division of Banking Kansas Kansas Office of the State Bank Commissioner Kentucky
Kentucky Office of Financial Institutions Louisiana Louisiana Office of
Financial Institutions Maine Maine Office of Consumer and Credit Regulation
Maryland Office of Financial Regulation - State of Maryland Michigan Department
of Insurance and Financial Services Minnesota Minnesota Department of Commerce
Mississippi Mississippi Department of Banking and Consumer Finance Missouri
Missouri Division of Finance Nebraska Nebraska Department of Banking and Finance
Nevada Nevada Department of Business And Industry New Hampshire New Hampshire
Banking Department New Jersey New Jersey Department of Banking and Insurance New
Mexico New Mexico Financial Institutions Division New York New York Department
of Financial Services North Carolina North Carolina Banking Commission North
Dakota North Dakota Department of Financial Institutions Ohio Ohio Department of
Commerce Oklahoma Oklahoma Banking Department Oregon Oregon Department of
Insurance and Finance Pennsylvania Pennsylvania Department of Banking and
Securities Rhode Island Rhode Island Department of Business Regulation South
Dakota South Dakota Division of Banking Texas* Texas Department of Banking Utah
Utah Department of Financial Institutions Tennessee Tennessee Department of
Financial Institutions Vermont Vermont Department of Banking, Insurance,
Securities and Health Care Administration Virginia Virginia Bureau of Financial
Institutions Washington Washington Department of Financial Institutions West
Virginia West Virginia Division of Banking Wyoming Wyoming Department of Audit -
Division of Banking

* Texas customers click here for information about filing complaints about our
money transmission products or services.


ALASKA

             

Alaska Department of Commerce, Community, and Economic Development

             

If your issue is unresolved by Apple Payments Inc. after first calling (877)
255-5923, please submit formal complaints with the State of Alaska, Division of
Banking & Securities.

             

Please download the form here:
 https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

             

Submit formal complaint form with supporting documents:

             

Division of Banking & Securities PO Box 110807 Juneau, AK  99811-0807

             

If you are an Alaska resident with questions regarding formal complaints, please
email us at dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two
Five Two One


CALIFORNIA

California Department of Financial Protection and Innovation

If you have complaints with respect to any aspect of the money transmission
activities conducted at this location, you may contact the California Department
of Financial Protection and Innovation:

Department of Financial Protection and Innovation - Consumer Services

2101 Arena Boulevard, Sacramento, CA 95834

Tel: 1-866-275-2677

Email: Ask.DFPI@dfpi.ca.gov


COLORADO

Colorado Division of Banking

CUSTOMER NOTICE

Entities other than FDIC insured financial institutions that conduct money
transmission activities in Colorado, including the sale of money orders,
transfer of funds, and other instruments for the payment of money or credit, are
required to be licensed by the Colorado Division of Banking pursuant to the
Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.

If you have a Question about or Problem with YOUR TRANSACTION – THE MONEY YOU
SENT:

You must contact the Money Transmitter who processed your transaction for
assistance. The Division ofBanking does not have access to this information.

If you are a Colorado Resident and have a Complaint about THE MONEY TRANSMITTER
– THE COMPANY THAT SENT YOUR MONEY:

All complaints must be submitted in writing. Please fill out the Complaint Form
provided on the Colorado Division of Banking’s website and return it and any
documentation supporting the complaint via mail or email to the Division of
Banking at:

Colorado Division of Banking

1560 Broadway, Suite 975

Denver, CO 80202

Email: DORA_BankingWebsite@state.co.us

Website: www.dora.colorado.gov/dob


FLORIDA

Florida Office of Financial Regulation

For complaints directly to the Florida Office of Financial Regulation, please
send correspondence to:

Florida Office of Financial Regulation

200 E. Gaines Street

Tallahassee, FL 32399-0376

Tel: 1-800-848-3792


ILLINOIS

Illinois Department of Financial and Professional Regulation

For consumer complaints, please contact:

Illinois Department of Financial and Professional Regulation

Division of Financial Institutions

320 W. Washington Springfield, IL 62786

Tel: 1-855-351-2274


INDIANA

Indiana Department of Financial Institutions

Apple Payments Inc. holds a Money Transmitter license issued by the Indiana
Department of Financial Institutions. This license does not cover virtual
currency transactions.


NEW YORK

New York Department of Financial Services

Apple Payments Inc. is licensed and regulated as a money transmitter by the New
York State Department of Financial Services. New York customers can direct
unresolved complaints to:

Consumer Assistance Unit

NYS Department of Financial Services

One Commerce Plaza Albany, NY 12257

Tel: 1-877-BANK-NYS (1-877-226-5697)

Website: http://www.dfs.ny.gov/consumer/fileacomplaint.htm


MARYLAND

Office of Financial Regulation - State of Maryland

The Commissioner of Financial Regulation for the State of Maryland will accept
all questions or complaints from Maryland residents regarding Apple Payments
Inc. (NMLS #1679397) at 1100 N. Eutaw Street, Suite 611, Baltimore, MD 21201,
1-888-784-0136.

The license status information for Apple Payments Inc. can be viewed on the NMLS
Consumer Access website at https://www.nmlsconsumeraccess.org.


MINNESOTA

Minnesota Department of Commerce

You should be aware that fraud may and does occur. Please call (877) 255-5923 to
report fraud or suspected fraud in connection with any Direct Payments Service
transaction.


TEXAS

Texas Department of Banking

After first calling (877) 255-5923 for support with a Direct Payment, if you
still have an unresolved complaint regarding Apple Payments Inc.’s money
transmission activity, please direct your complaint to:

Texas Department of Banking

2601 North Lamar Boulevard

Austin, Texas 78705

Tel: 1-877-276-5554

Website: http://www.dob.texas.gov/


WASHINGTON

Washington State Department of Financial Institutions

You should be aware that fraud may and does occur, and that fraudulent
transactions may result in the loss of your money with no recourse.