Wingspan Business Deposit Account Agreement Addendum

The following provisions form part of the Wingspan Deposit Account Agreement (the “Agreement”).

Deposits Into Your Account

You may make deposits into your Account using any of the methods described below:

Deposit Method | Limitations for Your Account

Direct Deposits* | No limits

Direct payments/ACH debits via ACH Origination Service (see Section 5) (deposits resulting from payment requests initiated from your Account) And ACH transfers to your Account from a linked bank account with another institution (See section 3.7)** | $50,000/day $200,000/month

Domestic wire | No limits

Cash deposit at an in-network ATM | $1,000/transaction $2,000/day You can use your debit card to make deposits at in-network ATMs. You can identify an in-network ATM by looking for the Allpoint logo on or near the ATM. You cannot make cash deposits at out-of-network ATMs.

* The recipient’s name on any direct deposit or ACH transfer must match the name on the Account or the deposit may be returned to the originator.

Withdrawals From Your Account

You may withdraw funds up to the amount of your Available Balance in your Account using any of the methods:

Withdrawal Method | Limitations for Your Account

ACH transfers from your Account to a linked bank account at another institution* (See Section 3.7) And ACH transfers from your Account to another bank account via ACH Origination Services (See 5 of the Agreement) | $1,000,000/day $5,000,000/month

ACH transfer to a merchant or other third party you authorize to withdraw from your Account using your routing number and account number | None

Purchases or other POS transactions using your debit card at merchants that have agreed to accept that card | $20,000/day

ATM withdrawals using your debit card or ATM card | $1,000/day

* You may transfer funds between your Account and another bank account. The linked bank account must be located in the United States.