PLEASE BE AWARE THAT THIS WALLET ACCOUNT AGREEMENT CONTAINS AN ARBITRATION PROVISION AND CLASS ACTION WAIVER. BY ELECTRONICALLY SIGNING THIS WALLET ACCOUNT AGREEMENT, YOU AGREE TO THE TERMS OF THE JURY TRIAL AND CLASS ACTION WAIVER BELOW. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION PURSUANT TO THE TERMS SET FORTH HEREUNDER, YOU AND WE AGREE TO ARBITRATE, ALL DISPUTES BETWEEN US, WITH LIMITED EXCEPTIONS.

Customer Service Contact Information

Natural AI, Inc.

625 Market Street, Floor 14, San Francisco, CA 94105

Support Email: support@natural.co

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General Wallet Account Terms

This Wallet Account Agreement (the "Agreement") contains the terms and conditions governing the Wallet Account (the "Account") made available and provided by Column National Association. Bank is a nationally chartered depository financial institution and a member of the Federal Deposit Insurance Corporation ("FDIC"). "Account Owner", "Customer", "you", and "your" means each person who owns the Account, including, with respect to any Account credentials or activity, your AI Agent(s) unless otherwise specified. "Bank," "we," "our," and "us" means Column National Association and its agents, service providers, authorized representatives, successors, and assignees. When we say "We may" or "Bank may" do something, that means you authorize us and agree to such action. You may submit a request to open the Account via Natural (as defined in this Agreement). Natural is a service provider that performs certain services related to your Account on our behalf. Bank may refuse to process any transaction(s) that it believes may violate the terms of this Agreement or Applicable Law.

Customer deposits are held in an omnibus custodial account owned by Bank, in which Bank pools as deposits the funds held by all of Company's Customers, for their benefit ("FBO Account"). Within the FBO Account, each Customer is issued an Account, which consists of a sub-account established in each Customer's name, with its own account number extension. The deposits attributable to a Customer's Account and held in the FBO Account are covered by FDIC "pass-through" insurance up to the legal maximum for such Account. Company directly or indirectly maintains a ledger accounting for the funds held in each Account for Bank and reconciles transactions for each Account for Bank. Bank will not commingle other funds in the FBO Account. Natural has no ownership interest in, access to, or control over the FBO Account. Bank controls the flow of funds into and out of the FBO Account, and Natural does not at any time accept or transmit Customer funds. Bank may reject any entry or instruction to debit or credit the FBO Account in its discretion.

The FDIC insures deposits according to the ownership category in which the funds are insured. Not all accounts may be insured. Unless otherwise stated by us or the FDIC, your deposits with Bank are insured to the regulatory limits by the FDIC. For purposes of determining the insurance amount applicable for your account, you may refer to information and tools describing how deposit insurance coverage works are provided by the FDIC at www.fdic.gov/resources/deposit-insurance or by calling 1-877-ASK-FDIC or 1-800-925-4618 (for the hearing impaired). You can also refer to the FDIC's Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie.

By agreeing to these terms, you agree to be bound by Bank's Privacy Notice (available at https://column.com/legal/privacy-notice) and Privacy Policy (available at https://column.com/legal/california-consumer-privacy-policy).

As a condition of opening and maintaining an Account with us through Natural AI, Inc. ("Natural"), you are required to enter into and maintain an agreement with Natural regarding that access through the Natural Technology. Natural provides you Account access through a website and mobile app through which you may access your Account, make transactions, and obtain other account services, instead of through a Bank branch, website, or software offered by Bank. You agree to use only the Natural Technology to access and use your Account and represent and warrant you are able to access Natural's website offered at natural.co to access your Account.

Natural is a vendor of the Bank for some purposes and will be responsible for carrying out some of our responsibilities under this Agreement, including receiving notices from you, responding to any notices relating to questions or complaints concerning your Account, and carrying out other responsibilities described in this Agreement. Accordingly, where we are responsible for matters under this Agreement, those matters may be handled either by Natural or by Bank directly, and you agree Bank may require you to contact Natural directly for assistance.

By agreeing to these terms, you acknowledge that you have or will have agreed to the terms contained in the following documents:

Natural Services Agreement (available at https://www.natural.co/nsa)

Natural Privacy Policy (available at https://www.natural.co/privacy)

Natural Authorized Use Policy (available at https://www.natural.co/aup)

Natural Pricing Page (available at https://www.natural.co/pricing)

Definitions

"ACH" means the Automated Clearing House.

"ACH Transfers" are transfers to or from your Account processed under National Automated Clearing House Association ("NACHA") Operating Rules.

"AI Agent" means a software system or automated process that initiates, authorizes, or executes transactions or other actions through the Natural Technology on behalf of an Account Owner pursuant to a Delegation Authorization.

"Agentic Developer" means a developer, company, or individual who is authorized to access the Natural Technology to build or use artificial intelligence ("AI")-powered payment capabilities.

"Applicable Law" means, with respect to either party and as may be amended and in effect from time to time, any applicable laws, statutes, regulations, rulings, orders, and/or guidance, including the Rules, that legally apply to either party.

"Authorization Parameters" means the transaction types, dollar limits, frequency caps, allowed counterparties, duration, and other constraints specified in a Delegation Authorization that define the scope of an AI Agent's authority to act on behalf of an Account Owner.

"Authorized Users" means natural persons or entities whom you authorize to access your Account. Authorized Users may include Contributors, as defined in the Natural Services Agreement, for whom you may request and assign Login Credentials or API access to initiate transactions on your Account.

"Book Transfer" means an intra-institutional funds transfer between accounts within the Bank.

"Business Day" means Monday through Friday, excluding U.S. federal holidays.

"Delegation Authorization" means the grant of authority by you to an AI Agent or Authorized User, as applicable, to initiate transactions within specified Authorization Parameters, as defined through the Natural Technology.

"Login Credentials" means the unique username and password that you create for access to your Account through the Natural Technology.

"Natural Technology" means Natural's mobile device software application that allows you to access your Account on a mobile device or computer device and/or the Natural Website.

"Natural Website" means Natural's website at natural.co that allows you to access your Account online.

"USD" means United States Dollars.

General Provisions

Account Eligibility

We reserve the right to decline opening an Account for any reason, including instances where previous or existing relationships or accounts with us were not maintained in a satisfactory manner. We are not liable for any damages or liabilities resulting from refusal of an Account relationship. The Account is only available electronically and for paperless customers. You must agree to accept electronic, rather than paper, communications and can retrieve Account information through the Natural Technology.

By requesting the Account, you acknowledge and agree that you are of legal age in the jurisdiction where you live and have the legal capacity to enter into this Agreement.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. TO HELP THE GOVERNMENT FIGHT THE FUNDING OF TERRORISM AND MONEY LAUNDERING ACTIVITIES, FEDERAL LAW REQUIRES ALL FINANCIAL INSTITUTIONS TO OBTAIN, VERIFY, AND RECORD INFORMATION THAT IDENTIFIES EACH PERSON WHO OPENS AN ACCOUNT. WHAT THIS MEANS FOR YOU: WHEN YOU OPEN AN ACCOUNT, WE WILL ASK YOUR NAME, ADDRESS, DATE OF BIRTH, AND OTHER INFORMATION THAT WILL ALLOW US TO IDENTIFY YOU. WE MAY ALSO ASK TO SEE YOUR DRIVER'S LICENSE OR OTHER IDENTIFYING DOCUMENTS.

Electronic Documents

If Bank is required to furnish IRS Form 1099-INT to you, by agreeing to the terms of this Agreement, you consent to allowing Bank to deliver Form 1099-INT to you electronically and you may access your tax statement through the Natural Technology or at the email address on file if delivered to you electronically. Your consent to electronic delivery shall remain in effect and apply to every tax year during which your Account remains open at Bank unless and until you have withdrawn your consent to electronic delivery or we have terminated your Account. If you do not consent to electronic delivery of your tax statement, want to withdraw your consent, or you wish to obtain a paper copy of your tax statement, you may do so at any time by submitting your request or withdrawal in writing electronically or by mail by contacting Natural at the contact information above. Your withdrawal of consent will be deemed effective five (5) Business Days after we receive it. If you need to update your information for purposes of your tax statements, you may do so by contacting Natural and providing your updated information along with any proof we may request to verify such updates.

Telephone, SMS and Electronic Message Communication

By providing a phone number, you are expressly consenting to receive Communications at that number from Bank and Bank's agents, including Natural. Such Communications may include, but are not limited to, text messages, prerecorded or artificial voice message calls, and/or calls made by an automatic telephone dialing system. This express consent applies regardless of the call's purpose. You understand that anyone with access to your telephone or your email address, if we send emails to you, may listen to or read our communications to you, including any voicemail message we deliver to you. You agree that we will not be liable for anyone accessing our communications or for any charges that you incur in connection with any of our communications. From time to time, we may provide automatic account alerts regarding certain account activities or when certain changes are made to your account, such as a change in your email address, telephone number or password. You acknowledge that data, including emails, may be accessed by unauthorized third parties when communicated between you and the Bank, using the Internet (for example, by such third party downloading spyware or malware onto your computer), telephone, or other electronic devices. We are not responsible for any misdirected data or disclosures that occur as a result of your use of third-party electronic communication channels.

Telephone Monitoring and Recording

Bank and Natural may monitor and/or record telephone calls between you and Bank or Natural, including to assure the quality of Bank's or Natural's service team or as required by Applicable Law. You agree that any recorded communications may be admitted as evidence in any litigation, arbitration, controversy, hearing, or other proceeding.

Account Access and Account Security

You may only access your Account through the Natural Technology. Your Account, Login Credentials, and related information can also be used to electronically remove money from your Account, and payment can be made from your Account even though you did not contact us directly and order the payment. It is your responsibility to protect the Account number, Login Credentials, and electronic access devices we provide you for your Account. Do not discuss, compare, or share information about your Account information, Login Credentials, with anyone unless you are willing to give them full use of your money. Your Account, Login Credentials, can be used by thieves to issue a debit to your Account. If you furnish your access device and grant actual authority to make transfers to another person (a family member or friend for example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person are no longer authorized. Keep your Account number, Login Credentials, and statements secure at all times. Make sure to also keep your mobile device and computer secure at all times and avoid accessing the Natural Technology when others can see your screen. If your Account number, Login Credentials, or mobile device are lost or stolen, notify Natural immediately to limit your liability for unauthorized transactions that may occur. We reserve the right to place a hold on your Account if we suspect irregular, fraudulent, unlawful or other unauthorized activity involved with your Account. We may attempt to notify you of such a hold, but we are not required to provide notice prior to placing the hold. You agree that we may maintain such a hold until all claims against you or us to the funds held in your Account, whether civil or criminal in nature, have been resolved fully in our sole satisfaction.

Updating Information

You must notify us immediately if there is a change to your name, telephone number, address, email address or any other information you have provided us. You may notify us of changes to information through updating your profile details in the Natural Technology. We may require proof of any change to certain information. We will attempt to communicate with you only by use of the most recent email address you have provided to us. Any notice we provide to you will be deemed received when sent to the last (postal or electronic) address for you in our records, or when made available to you in the Natural Technology. We may change your address if we receive an address change notice from the U.S. Postal Service or if we determine in our sole discretion that the address in our records no longer matches your address.

Security Procedures

You may only access your Account through the Natural Technology and subject to the Security Procedures. The Security Procedures consist of your Login Credentials and Natural's dual-factor authentication process for securely accessing your Account through the Natural Technology. You are solely responsible for safeguarding your Login Credentials. You must promptly notify Natural of any confidentiality breach or unauthorized use of your Login Credentials or your Account.

Authorized Users

In addition to your own Login Credentials, you may request and assign Login Credentials to Authorized Users. Authorized Users may include Contributors as defined in the Natural Services Agreement. Bank or Natural may, at their discretion, limit the number of Authorized Users for your Account. You are solely responsible for causing your Authorized Users to safeguard their Login Credentials and to use them only in accordance with this Agreement, and you are solely responsible for disabling Login Credentials for any individual or entity who is no longer authorized to access the Account on your behalf. Any Authorized User who is a natural person must be at least 18 years of age and able to form a legally binding contract in the United States. Authorized Users must provide valid identifying information if requested. You, and not Bank, are responsible for any use or misuse of your or your Authorized Users' Login Credentials. Authorized Users may permission AI Agents to transact in connection with your Account, and you acknowledge and agree that you, and not Bank, are responsible for AI Agent activity permissioned by Authorized Users.

You acknowledge and agree that any AI Agent using your Login Credentials or those of an Authorized User is acting as you or your Authorized User, respectively. You are responsible for all activity by that AI Agent to the same extent as if you or the Authorized User had conducted such activity yourself.

Eligible Instructions

To the extent permitted by Applicable Law, any instruction communicated to Bank will be effective as your instruction, whether or not authorized, and regardless of the actual identity of the sender thereof, if it is an Eligible Instruction accepted by Bank in good faith. An "Eligible Instruction" means any funds transfer or transaction request, payment instruction, or other instruction related to your, your AI Agents, and your Authorized Users' use of the Account that is submitted in compliance with the Security Procedures through the Natural Technology. Any Eligible Instruction submitted by an AI Agent will be treated as your authorized instruction, regardless of whether you individually reviewed or approved the specific transaction, provided the AI Agent has a valid Delegation Authorization. Bank is not obligated to act on any instruction other than Eligible Instructions. You are solely responsible for the accuracy and completeness of each Eligible Instruction. You acknowledge and agree that the submission of Eligible Instructions represents a commercially reasonable method of providing security against unauthorized transactions, unless you are a Consumer Customer and have given us prior notice of possible unauthorized use of your Account or compromised Login Credentials and we have had a reasonable opportunity to act on such notice.

Account Ownership and Use

Purpose

Your Account is subject to the terms and conditions set forth in this Agreement. Your Account is offered under this Agreement for the purposes of collecting and receiving payments and conducting permitted deposit and funds transfer transactions. You may use the Account to enable AI Agents, vendors, contractors, and other permissible payees to send and receive funds as permitted by this Agreement and the Natural Technology. The Account is a non-interest-bearing Wallet Account used to hold your deposits and make payments and transfers to other accounts at other banks and to third parties through the Natural Technology. Your Account is a limited-purpose wallet account, not a demand deposit account, checking account, savings account, or general transactional account. We do not assume any fiduciary obligation on your behalf. You are responsible for all authorized transactions initiated and fees incurred by use of the Account.

Ownership

Please see Parts II and III for the terms applicable to your Account.

Linking External Account

You may link your bank account at another financial institution located in the U.S. ("Linked Account") to your Account in order to transfer funds between your Linked Account and your Account. We may require you to provide proof that the external account: (i) is a Wallet Account held at a bank located in the U.S.; (ii) is an account in which you have full right and authority to the funds; (iii) is not a trust account; and (iv) is individually or jointly owned by you. If you are a Consumer Customer, you may not link a business account. If you are a Commercial Customer, your linked account must be a business account, and you may not link a consumer account. We may restrict linking to an external account at specific financial institutions. You authorize us, our agents, and service providers to verify ownership of the Linked Account. You represent and warrant: (1) that you have the right to authorize any and all charges and debits to the Linked Account; (2) the Linked Account is held at a depository institution located in the U.S.; and (3) you are individually or jointly the owner of the Linked Account. You will indemnify and hold us harmless from any claims by any person related to the Linked Account, including any other owner of the Linked Account. You are not permitted to link your Account with a credit, debit, gift, or other type of card issued by a third party or another bank. You may deposit funds into or, as permitted under the terms of this Agreement, withdraw funds from your Account by using the Natural Technology to initiate an Automated Clearing House transfer to or from the Linked Account. Requests for ACH debits to the Linked Account that are made before 11:00 p.m. Pacific Time on a Business Day shall be considered received on the business day the request is made. Requests for ACH debits to the Linked Account that are made after 11:00 p.m. Pacific Time on a Business Day or on a non-Business Day, shall be considered received the next Business Day.

Statements

We make statements available to you online through the Natural Technology. You will get a monthly account Statement through Natural (unless there are no transfers in a particular month, and in any case you will get the statement at least quarterly). You agree to immediately notify us if you do not receive your Statement by the date you normally expect to receive it, as this can be a sign that there is an issue with your Account. You agree to notify us promptly if you change your mailing address or email address. You also agree that if the U.S. Postal Service or one of its agents notifies us of a change in address for you, we may change your address based on such information, even if the information provided by the U.S. Postal Service is in error. If any statement is returned to us because of an incorrect address, we may stop sending statements to you, but for all purposes it shall still be considered as if we made your statement of account available to you as of the statement date that was or would have been printed on your statement, showing information sufficient to allow you to reasonably identify the items paid. We reserve the right to implement standard charges for any paper statements.

It is your responsibility, and you agree, to examine each statement for any unauthorized transactions, errors, or irregularities on the statement. You agree to contact us immediately upon your discovery of any unauthorized transaction, error, or irregularity appearing on your statement in accordance with this Agreement. Timely notification is required of you to resolve certain errors or unauthorized transactions.

Power of Attorney and Death or Incompetence

Please see Part III for additional terms applicable to Consumer Customers.

Interest Rates and Fees

Rate & Fee Schedule

Information on applicable rates and fees is set forth in Exhibit 1 ("Rate and Fee Schedule"). You authorize Bank to access your Account to debit any fees, charges, or costs owed to Bank, even if doing so creates an overdraft.

Minimum Balance and Interest

There is no initial deposit or minimum balance required to qualify for, open or maintain your Account. The Account is non-interest bearing.

Deposits

Deposits are subject to limitations specified in this Agreement. For security reasons, we may impose deposit limits. Confidentiality of certain details related to these additional limits is essential to the security of an account or system. Please see Exhibit 2 for additional information on limits. Additional transaction limits may be disclosed to you through the Natural Technology, including limits specific to AI Agents or Authorized Users. When you make a deposit, we act only as your collection agent and will not be responsible beyond the exercise of ordinary care. The following terms apply to deposits made to your Account:

Deposit Methods

You may deposit funds to your Account by initiating a funds transfer from a Linked Account. You may also deposit funds to your Account by any other method we make available. In addition, Natural may support account deposits (funding) through other eligible debit or credit cards via third-party processors.

Cash, ATM, or Foreign Currency Deposits

You cannot deposit paper checks, cash or any form of deposit denominated in a foreign currency into your Account. You may not make any deposit by mail. We are not responsible for deposits made by mail, night depository or other outside depository. We may return any paper check, cash or foreign currency mailed to us to the address we have on file for you. We are not liable if you do not receive the returned funds. You may not make deposits into your Account at any automated teller machine ("ATM"), unless we make such method available to you. All deposits must be of, or denominated in, United States currency.

ACH Transfers

You may make deposits through ACH Transfers into the Account from a Linked Account that is ACH enabled. We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. We may reverse any ACH Transfer to or from your Account without prior notice to you at any time as permitted by NACHA Operating Rules. We may reverse any provisional credit to your Account for which final payment is not received. ACH Transfer instructions must be received before 11:00 p.m. on a Business Day, otherwise the instruction shall be considered received on the next Business Day. We may process ACH Transfer instructions in the order in which we determine, in our discretion. We are not required to accept or execute any ACH Transfer instruction. You authorize Bank to originate ACH Transfers on your behalf to the Linked Account and that you will be bound by the rules of NACHA. We may audit your compliance with the requirements hereunder.

Right to Refuse Deposits

We may refuse a deposit, or part of a deposit, at any time and for any reason. We also may refuse a deposit after initially accepting it. We will not be liable to you for refusing a deposit, even if it causes us to decline any transactions you have already made. In addition to any of the limitations specified in this Agreement, we may further restrict or limit your ability to receive transfers when we reasonably believe there may be fraudulent, suspicious or illegal activity on or impacting your Account.

Deposit Discrepancies

When you make a deposit to your Account, we will credit your Account for the amount of the deposited items. We reserve the right to review the deposit and confirm the amount you deposited but are not required to do so. If after any review we determine that the amount credited to your Account is incorrect, we may adjust your Account for the amount of the discrepancy but reserve the right not to do so if the discrepancy would not be a disadvantage to you.

Deposit Liability

Bank is not liable for any deposits not received by Bank. Credit given by us to you with respect to a transfer to your Account is provisional until collection is final, including on us transfers. Provisional credit may be reversed at any time without notice. If final payment is not received or if any transfer deposited is charged back to us for any reason, you are hereby notified and agree that we are entitled to a refund of the amount credited to your Account in connection with such transfer, and the party making payment to you via such transfer shall not be deemed to have paid you the amount of such transfer. If a deposit or transfer to your Account is returned or rejected by the paying financial institution or sender for any reason, or if there is an error or mistake involving a deposit or transfer, we may deduct the amount of the deposit, transfer or error without prior notice to you.

Withdrawals

Withdrawals are subject to limitations specified in this Agreement. For security reasons, we may impose withdrawal limits. Confidentiality of certain details related to these additional limits is essential to the security of an account or system. Please see Exhibit 2 for additional information on limits. Additional transaction limits may be disclosed to you through the Natural Technology. You may only make withdrawals from your Account to a Linked Account. Accounts may not be accessed in person. You may not permit or allow for any items to be drawn upon your account and if drafts, electronic debits, checks or other orders of payment from your account are issued by any third party, the Bank bears no liability for such items. The following terms apply to withdrawals from your Account:

Manner of Withdrawal

You may make withdrawals from your Account in any manner that we permit and make available to you. Withdrawals and transfers from your Account may be restricted as provided in the Agreement or by Applicable Law.

Representment

A transfer returned unpaid due to nonsufficient funds may be re-presented for payment by a merchant multiple times. Each representment is a separate transfer. We will determine, in our sole discretion, whether to pay or return each transfer each time it is presented or re-presented to us for payment, which may result in your Account being charged multiple fees related to the same transfer, if we charge insufficient funds fees, and may cause other transfers you have authorized to be declined or returned unpaid. You acknowledge that a representment may be attempted on the same day as (or any later day after) the original attempt to present the transfer for payment. You further acknowledge that we have no control over when a merchant chooses to represent a payment and that it is your sole responsibility to ensure that you maintain adequate funds in your available Account balance to cover all of the transfers you have authorized.

Withdrawal Restrictions; No Overdrafts

We may refuse or restrict withdrawals and transfers from your Account in our sole discretion for any purpose permitted by Applicable Law. You are not permitted to overdraw your Account.

If there are insufficient funds available in your Account to cover a withdrawal or debit presented against your Account, we may reject such withdrawals in our sole discretion. Even if we choose to pay one or more overdrafts as a courtesy to you, in our sole discretion, we are not obligated to cover any future overdrafts and fees or interest may apply to any overdraft we permit. If your Account balance becomes negative for any reason, you must make a deposit immediately to cover the negative balance. If your Account has a negative balance for thirty (30) calendar days or more we reserve the right to close the Account. In the event you fail to pay the amount of any overdraft and Bank refers your overdrawn Account to an attorney for collection, you agree to pay all reasonable expenses, including, but not limited to, reasonable attorneys' fees and court costs incurred by Bank as a result of your account being overdrawn.

Request for Information

Before permitting a withdrawal or other transaction, we may request that you provide us with additional information or documentation that we deem necessary to confirm your identity or to prevent illegal activity. We may refuse the transaction if you do not comply with our request.

Checks Issued by a Third Party

We do not support the issuance of checks to access funds in your Account. We reserve the right to refuse to make payments initiated via a check.

Funds Availability

Transaction Posting Order

Bank reserves the right to decide the order of the items Bank will pay and which items will be returned (if any). Bank's posting order may not be the same as the order in which you conducted a transaction and could result in overdraft fees if you do not have available funds at the time the item is paid. Posting order impacts your available Account balance. We use automated systems to process transactions and then to post transactions to your Account. When we process multiple transactions for your Account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Generally, Bank posts the following transaction types (to the extent applicable to your Account) after the close of each Business Day in the following order:

Deposits and credits Bank receives before the close of each Business Day will be posted before any withdrawals.

Your debits and withdrawals will be posted in date/time order, based on the date and time associated with each transaction. The order by which you make transactions on your Account may not be the same as the order in which we post those transactions to your Account. If date and time are not available, by lowest to highest dollar amount.

You agree that we may determine in our discretion the orders in which we post transactions to your Account. We reserve the right to change our order of posting from time to time. Your available Account balance may not include transactions you have authorized that we have not received. Your available Account balance is viewable at any time through the Natural Technology, but it is important to understand that it may not reflect transactions you have authorized that have not yet been presented to us for payment. If a transaction is presented without sufficient funds in your Account to pay it, we may, at our discretion, return the transaction for insufficient funds (NSF).

Funds Availability

Bank makes funds available according to the type of deposit and when the funds are applied or credited to your Account and in accordance with Applicable Law. Some types of deposits may not be available for immediate use. When Bank delays the availability of funds or places a hold on a deposit made to your Account, you may not withdraw those funds, and Bank will not use them to pay any debits. Bank has the right to refuse any deposit. The length of the delay in the availability of funds varies depending on the type of deposit. If final payment is not received on any item you have deposited into your Account, you agree to pay Bank the amount of the returned item if such item has already been credited to your Account. You may only deposit funds that are immediately available.

Bank receives deposits each Business Day. If you make a deposit by electronic payment before 11:00 p.m Pacific Time on a Business Day, we will consider that day to be the day of your deposit. However, if you make a deposit after 11:00 pm Pacific Time or on a non-Business Day, we will consider that the deposit was made on the next Business Day.

Deposits made by electronic payment, excluding those by ACH debit transactions, will be made available to you the day that the deposit is received but no later than the first Business Day after the day that the deposit is made.

Deposits made by any other permissible deposit method, will be made available no later than the second Business Day after the day that the deposit is made.

We reserve the right, subject to Applicable Law, to hold funds pending settlement or for such period of time as we deem necessary, in our sole discretion, to cover items which may be returned unpaid.

Special Rules for New Accounts

Accounts open less than thirty (30) days may be limited in functionality. Funds credited to your Accounts may be made available provisionally or delayed for a reasonable amount of time in accordance with Applicable Law. Certain transfer limits may be lower during this time for certain features and services, or as allowed under Applicable Law or regulation.

Funds Transfers

Transaction Screening

Bank may screen and reject any funds transfer request in good faith, including because Bank believes that the funds transfer, if executed, would not comply with Applicable Law or would exceed the amount of funds in your Account or any established limits on your Account. Bank is not liable for failing to complete a transaction from your Account on-time or in the correct amount.

Accuracy of Information

When you originate any funds transfer request through any method made available to you by Bank (including, if applicable, ACH transfers), you are responsible for providing accurate payment information. It is your obligation to verify the information you provide to us including, but not limited to, the identity and relationship of the receiving party, account number, and routing number. Bank is not responsible for any loss or damage you incur from your request for a funds transfer. We and any other financial institution involved in the transaction will rely upon the information you provide, as well as information provided by the external bank sending transfers to you, when we process transfers on your behalf. We are not responsible for the accuracy of this information and are not required to investigate such information prior to initiating a transfer.

Permitted Funds Transfers

Funds transfers to and from your Account are permitted only under limited circumstances. Funds transfers into your Account are permitted for the purposes of funding the Account. You may request a funds transfer out of your Account only in order to make a payment to a third party. When you make such a payment, funds are held pending acceptance by the payee. You may no longer see such funds as part of your available balance and you may no longer use such funds to pay a different party; however, you continue to own such funds and they will continue to be held as your funds in your Account until accepted by the payee. The payment will remain pending until accepted by the payee, and the payee must accept the funds transfer through the Natural Technology. If the payee fails to accept the funds transfer within 30 days, the payment will be automatically canceled, the hold on such funds will be released, and the funds will return to your Account balance. You may cancel a pending payment at any time before it is accepted by the payee.

Limitation on Amount of Transactions

Bank may impose and adjust transaction limits on your Account, in its sole discretion. Applicable transaction limits will be disclosed to you through the Natural Technology.

Initiating Funds Transfers

Please see Part II for additional terms applicable to Commercial Customers.

Accuracy of Information

Please see Part II for additional terms applicable to Commercial Customers.

Bank's Liability for Failure to Complete Transactions

You acknowledge that, to the fullest extent permitted by law, you are responsible for reconciling all transactions and balances against those maintained by Bank.

Funds Transfer System

You acknowledge that any payment orders governed by this Agreement may be governed by the rules of any funds transfer system through which any payment order is made, including the Fedwire Funds Service, National Settlement Service, any other Federal Reserve payment system, NACHA, payment systems offered by The Clearing House, the Society for Worldwide Interbank Financial Telecommunications, or any other funds transfer system (each and collectively a "Funds Transfer System"). By submitting a funds transfer request, you agree to and accept any rule of such Funds Transfer System, to the extent applicable to any transaction. The beneficiary's bank must be a member of the Funds Transfer System, or ultimately have a correspondent bank that is a member or participant of the Funds Transfer System, as applicable to the funds transfer request.

Your Liability for Unauthorized Transfers

Please see Parts II and III for the terms applicable to your Account.

Agentic Payment Terms

You may credential one or more AI Agents to transact on your behalf and otherwise interact with your Account via the Natural Technology. You may credential such an AI Agent via a Delegation Authorization through the Natural Technology. AI Agents are subject to the Authorization Parameters set by you in the Natural Technology. Agents may only interact with your Account via the permissions and access provided by Natural, and only agents from Agentic Developers are eligible to be credentialed as AI Agents. All use and activity of AI Agents is subject to the terms and conditions set forth by Natural, which can be found at https://www.natural.co/nsa. You may provide or revoke a Delegation Authority, set Authorization Parameters, review your transaction history, and otherwise manage Account Activity via the Natural Technology.

An AI Agent may only initiate transactions within the Authorization Parameters you have specified. You acknowledge and agree that: (i) it is your responsibility to correctly configure and execute the Authorization Parameters; (ii) Bank has no obligation to independently verify whether a given AI Agent-initiated transaction falls within the applicable Authorization Parameters before processing it; (iii) Bank's processing of a transaction outside the Authorization Parameters does not limit your liability for such transaction; and (iv) you are fully responsible for all transactions initiated by any AI Agent you have deployed, including transactions that exceed the Authorization Parameters.

An AI Agent is acting as you, and you understand and agree that Bank and Natural will treat any activity by an AI Agent as if it were conducted by you. You are responsible for any transactions or other activities initiated or otherwise conducted by an AI Agent you deployed, whether or not such transactions or activity were authorized, expected, or intended by you, to the fullest extent permitted by Applicable Law. You are responsible for any sharing of your Login Credentials with third parties, including third party AI agents, and any transactions such third parties may conduct or activities they may take using your Login Credentials. Contact Natural immediately if you think your Login Credentials have been shared or otherwise compromised or if you believe an AI Agent is acting outside the Authorization Parameters or subject to an invalid Delegation Authorization.

Deposit Sweeps

When you open an Account, you agree to participate in Bank's deposit sweep program ("Deposit Sweep Program") and agree to be bound by the Deposit Sweep Program terms and conditions (the "Sweep Agreement"), available at natural.co/sweep-program-agreements. Pursuant to the Sweep Agreement, you agree to appoint Bank as your agent and custodian for the limited purpose of depositing Account funds into Wallet Accounts (each a "Deposit Sweep Account") at one or more other depository institutions (each, a "Network Institution"). Deposits that we place for you in Deposit Sweep Accounts ("Deposit Sweep Balances") are "deposits," as defined by Applicable Law, at the Network Institutions. Subject to the terms and conditions of the Sweep Agreement, your Deposit Sweep Balances may be eligible for FDIC insurance. Refer to the Sweep Agreement for more details.

Miscellaneous Provisions

Recovery Assistance

To the greatest extent permitted by law, if you claim a credit or refund because of an unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen access credentials or unauthorized withdrawals. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. To the greatest extent permitted by law, our liability will be reduced by the amount you recover or are entitled to recover from these other sources.

Notice

Except as otherwise provided in this Agreement, in the event you must contact Bank or send Bank any notice required by this Agreement, you must do so by contacting Natural. Natural's contact information is set forth at the top of this Agreement.

Except as otherwise expressly provided in this Agreement, Bank is not required to act upon any communication, notice, or instruction received from you or any other person or to provide any notice or advice to you or any other person with respect to any matter. Notwithstanding the foregoing, if Bank acts upon any communication, notice, or instruction, then Bank has a reasonable time in which to act, after actual receipt of the notice or instruction.

No Waiver

Bank does not waive its rights by delaying or failing to exercise them at any time.

Illegal Transactions; Account Restrictions; Account Closures

You must not use your Account for any illegal purposes, to conduct transactions in order to hide or disguise funds or assets derived from illegal activities, or, regardless of whether it is legal or illegal, including internet gambling. This prohibition includes any transaction that is illegal in the jurisdiction where you live, in the jurisdiction where the transaction is consummated, or in any other jurisdiction affected by the transaction. You are responsible for determining the legality of each of your transactions in all applicable jurisdictions before entering into the transaction. We have no obligation to you under this Agreement to monitor, review or evaluate the legality of any transaction. We reserve the right to place a hold on your Account if we suspect irregular, fraudulent, suspicious, unlawful or otherwise unauthorized activity, subject to Applicable Law. We may attempt to notify you of such a hold but unless required by law, we are not required to provide notice prior to placing the hold or thereafter. We also may attempt to contact you to obtain additional information regarding the activity in your Account. We reserve the right to maintain any hold and restrict access to the Account until we receive the requested information, subject to Applicable Law. To the maximum extent permitted by Applicable Law, you agree that we may maintain such hold until all issues, including claims against you or us, concerning the funds held in your Account have been resolved fully to our sole satisfaction. We also reserve the right to reject any incoming credit transaction. Bank will not be held liable for any loss you incur if your Account is restricted or subject to a hold, subject to Applicable Law. Notwithstanding the foregoing, we may collect on any debt arising out of any illegal or unlawful transaction, to the extent permissible under Applicable Law.

Unlawful Internet Gambling Transactions Prohibited

You certify that you do not engage in, and during the life of this Agreement will not engage in, any activity or business that is unlawful under the Unlawful Internet Gambling Enforcement Act of 2006, 31 USC 5361, et seq., (the "UIGEA"). You may not use your Account or any other service we offer to receive, transfer, or credit funds, instruments or proceeds that arise out of a business that is unlawful under the UIGEA. You agree that if anyone asks us to process a transaction that we believe is restricted under the UIGEA, we may block the transaction and take any other action we deem to be reasonable under the UIGEA and this Agreement. You may not use your Account for online gambling or any illegal transactions. Bank may refuse to process any transaction that it believes may violate the terms of this Agreement or Applicable Law. You acknowledge and agree that Bank has no obligation to monitor, to review or to evaluate the legality of your transactions. To the fullest extent permitted by law, you agree to pay for any transaction that you authorized, even if that transaction is determined to be illegal.

Holds

We may place administrative holds on the funds in your Account (refuse payment or withdrawal of the funds) if they become subject to a claim adverse to (A) your own interest; (B) others claiming an interest as survivors or beneficiaries of your Account; or (C) a claim arising by operation of law. The hold may be placed for such period of time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that the dispute has been resolved. We will not be liable for any items that are dishonored as a consequence of placing a hold on funds in your Account for these reasons.

Right to Set Off

Please see Parts II and III for the terms applicable to your Account.

Tax Reporting and Backup Withholdings

Please see Parts II and III for the terms applicable to your Account.

Legal Processes Affecting Accounts

If legal action such as a garnishment, levy or other state or federal legal process ("Legal Process") is brought against your Account, Bank may refuse to permit (or may limit) withdrawals or transfers from your Account until the Legal Process is satisfied or dismissed. Regardless of the terms of such garnishment, levy or other state or federal process, Bank has first claim to any and all funds in your Account for your liability under this Agreement. Bank will not contest on your behalf any such Legal Process and may take action to comply with such Legal Process as Bank determines to be appropriate in the circumstances without liability to you, even if any funds Bank may be required to pay out to comply with the Legal Process leaves insufficient funds to pay a transaction that you have authorized. Payment is made after satisfying any fees, charges or other debts owed to Bank. You agree that you are responsible for any expenses, including legal expenses and fees Bank incurs due to any Legal Process on your Account. Bank may charge these expenses to your Account. You will indemnify Bank for any losses if it does this.

In the event of any dispute over the funds other than a legal action (including, without limitation, any dispute over what persons are authorized to represent or act for the Account owner), we may, in our sole discretion:

continue to rely on the Account documents in our possession, and rely on instructions from the owner or persons we reasonably believe is authorized to represent or act for the owner;

honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim;

refuse to pay out any money from an Account until the dispute has been resolved by a court or by agreement of the parties that is documented to our satisfaction;

file an action in interpleader with respect to any money where we have been notified of disputed claims to that money, and we are not required to determine whether that dispute has merit in order to refuse to pay, or interplead, the funds; and/or

close the Account and pay the proceeds to the Account owner or to the owner and all who have or claim an interest in the account.

Any such claim is subject to our security interest in your Account and our right of setoff. We will not have any liability to you if there are insufficient funds to pay your transfers because we have withdrawn funds from your Account or in any way restricted access to your funds in accordance with the claim. Unless prohibited by law, you agree that we may charge against your Account any fees or expenses we incur because of any such dispute, including, without limitation, attorneys' fees and our internal expenses.

Account Inactivity; Escheatment

An Account that is inactive for eighteen (18) months may be considered dormant. Each state has varying laws as to when an account is subject to escheatment and Bank may be required to send the balance in your Account to the state of your last known address. You understand that if your Account is inactive (dormant), we may close your Account. We reserve the right to refuse to return any unused balance amount less than $1.00. You agree that we are relieved of all responsibility if your Account balance is escheated in accordance with Applicable Law. Your Account will become inactive unless you have conducted activity in your Account, such as depositing or withdrawing funds.

Account Termination; Cancellation; Amendment

Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on the Natural Technology, and any such amendment shall be effective upon such posting to the Natural Technology, unless additional advanced notice is required under Applicable Law. You will be notified of any amendment(s) in the manner provided by Applicable Law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. Bank may cancel, restrict or suspend your Account or terminate this Agreement at any time. You may cancel this Agreement by contacting Natural to close your Account. Your cancellation of this Agreement will not affect any of Bank's rights or your obligations arising under this Agreement prior to cancellation.

If your Account is cancelled, closed or terminated for any reason, we will return the remaining balances to you via ACH transfer to one of your external accounts on Bank's records or via paper check to the address on file. For security purposes, you may be required to supply identification, external account, and address verification documentation prior to issuing an ACH refund or refund check. Bank reserves the right to refuse to return any unused balance amount less than $1.00, subject to applicable law.

No Warranty of Availability or Uninterrupted Use

From time to time, services related to the Account may be inoperative. You agree that, except as required by Applicable Law, Bank will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall Bank be liable for extended interruptions due to failures beyond Bank's control, including, but not limited, to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.

Bank's Relationship With You

This Agreement and the deposit relationship do not create a fiduciary or agency relationship with Bank. The relationship between Bank and you is that of creditor and debtor and under no circumstances will Bank owe you any fiduciary or other duty.

Section Headings

The headings in this Agreement are only for convenience and do not in any way limit or define your or our rights or obligations under this Agreement. Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so the singular includes the plural and the plural includes the singular, and the words "include," "includes" or "including," mean without limitation by reason of enumeration.

Systems and Software and Force Majeure

We shall not be responsible to you for any loss or damages suffered by you because of the failure of systems and software used by you to interface with our systems or systems and software utilized by you to initiate or process banking transactions whether such transactions are initiated or processed directly with our systems or through a third-party service provider. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately. You agree we have no responsibility or liability to you or any third party for failure or delay in our performance under this Agreement or for any losses due to causes or conditions including, without limitation, delays and/or interruptions of business due to any act of God, natural disaster, fire, pandemic, act of government authority, act of public enemy or war, riot, civil disturbance, insurrection, labor difficulty, power failure, telecommunications failure, severe adverse weather condition or other causes beyond our reasonable control. The time, if any, required for such performance under this Agreement, shall be automatically extended during the period of such delay or interruption.

No Warranty Regarding Goods or Services

Bank is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase using your Account.

Survival

All provisions of this Agreement shall survive the termination of this Agreement or closure of your Account by either party for actions arising in connection with this Agreement or your Account(s).

Ordinary Care

You agree that any act or omission made by us in reliance upon or in accordance with any provision of the Uniform Commercial Code as adopted in the state of California, or any rule or regulation of the state of Utah or a federal agency having jurisdiction over the Bank, shall constitute ordinary care.

Governing Law

This Agreement shall be governed by federal law and, to the extent not superseded by federal law, the laws of the State of California. You understand that we must comply with Applicable Law, as well as the operating rules of any applicable Funds Transfer System. You agree that if there is any inconsistency between the terms of the Agreement and any Applicable Law, the terms of the Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement. If otherwise, Applicable Law shall govern but only to the extent of such inconsistency.

Severability

If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement (or any prior agreement you may have had with us) shall not be affected.

Reclamation

Electronic payments made by the Federal Government to Social Security and Railroad Retirement recipients are subject to reclamation after the death of the recipient. Subject to Applicable Law, we reserve the right to charge the account to which the electronic payments were made for the full amount of the reclamation.

Assignability

Neither the Account established under this Agreement are assignable or transferable by you except with our consent. Neither your Account are transferable and neither are assignable as collateral for a loan or for any other purpose. We must approve any pledge of the Account and any such pledge remains subject to any right we have under the Agreement and applicable state and federal law. If ownership is proposed to be transferred, we may require the Account be closed and a new account opened in the name of the transferee or pledgee.

Limitation of Liability

Except as required by Applicable Law, Bank shall have no liability to you if Bank is unable to complete a transaction for any reason beyond Bank's control. Except as otherwise expressly provided in this Agreement or as otherwise required by Applicable Law, Bank, Bank's affiliates, Natural, and their employees, contractors, officers, directors, and assigns, along with the parties with whom Bank contracts in order to offer your Account and/or related services, are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to your Account, any products or services purchased using Account or pursuant to this Agreement (as well as any related or prior agreement you may have had with Bank). You waive all claims and any right to recover from Bank on any claim of negligence, breach of any implied covenant, breach of fiduciary duty, commercial unreasonableness, loss of business, or loss of business opportunity or advantage. Except as otherwise required by Applicable Law, Bank's liability for any act or omission will not exceed your direct losses.

Indemnification

To the maximum extent permitted by Applicable Law, you agree to defend, indemnify, and hold harmless Bank and its subsidiaries, affiliated companies, employees, contractors, officers, directors, and assigns against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys' fees) that arise from your use of the Account, your acts or omissions, or your violation of this Agreement, Applicable Law, or any third-party rights or your fraud or willful misconduct. This includes any activity by AI Agents or Authorized Users. Bank reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

Dispute Resolution

YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND BANK ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND. YOU CAN OPT OUT OF THIS CLASS ACTION WAIVER BY CONTACTING BANK AT 1110 GORGAS AVE, SUITE A4-700 SAN FRANCISCO, CA 94129 WITHIN THIRTY (30) DAYS AFTER YOU FIRST ACCEPT THE TERMS OF THIS AGREEMENT, STATING THAT YOU (INCLUDE YOUR FIRST AND LAST NAME) DECLINE THIS CLASS ACTION WAIVER.

EXCEPT FOR DISPUTES THAT QUALIFY FOR SMALL CLAIMS COURT, ALL DISPUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND BANK, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY AND YOU AGREE THAT BANK AND YOU ARE EACH WAIVING THE RIGHT TO TRIAL BY A JURY. YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS AND MASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER.

The arbitration will be administered by JAMS under its Comprehensive Arbitration Rules and Procedures ("Comprehensive Rules"), unless otherwise required by law. The Comprehensive Rules are available online at http://www.jamsadr.com/rules-comprehensive-arbitration/. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination should be made by JAMS or by the arbitrator. The arbitrator's decision will follow this Agreement and will be final and binding. The arbitrator will have authority to award temporary, interim, or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator.

To reduce the time and expense of the arbitration, the arbitrator will not provide a statement of reasons for his or her award unless requested to do so by all parties. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. An arbitration award and any judgment confirming it apply only to that specific case; it cannot be used in any other case except to enforce the award itself. Notwithstanding any of the foregoing, nothing in this Agreement will preclude you from bringing issues to the attention of federal, state, or local agencies and, if the law allows, they can seek relief against Bank for you.

This Dispute Resolution Provision will survive termination of your Account, this Agreement and any bankruptcy by you or us. If any portion of this Dispute Resolution Provision is deemed invalid or unenforceable under any principle or provision of law or equity it will not invalidate the remaining portions of this Dispute Resolution Provision, this Agreement or any prior agreement you may have had with us, each of which will be enforceable regardless of such invalidity.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT ACTIVATE OR USE THE ACCOUNT.

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Additional Terms Applicable to Commercial Customers

The following additional terms apply if the Account Owner is a legal entity (a "Commercial Customer"). Section numbering corresponds to the Sections and Sub-sections in Part I of this Agreement.

2(a). Account Eligibility

The Account is available to legal entities that are U.S. incorporated businesses, including corporations, LLCs, partnerships, and sole proprietorships, located in the fifty United States and the District of Columbia. No foreign businesses are eligible.

By requesting the Account, you acknowledge and agree that your use of the Account is for a commercial or business purpose and you will not use the Account for any consumer (personal, family, or household) purpose. If you are an individual executing this Agreement on behalf of, or for the benefit of, a corporation, LLC, partnership, sole proprietorship, or any other legal entity with which you are associated, you represent and warrant that you have the legal authority to bind that organization to this Agreement.

2(b). Electronic Documents

To the fullest extent permitted by law, this Agreement, notices and other communications (collectively, "Communications") from Bank to you regarding your Account(s) and related services with Bank may be provided to you electronically, and you consent and agree to receive Communications in an electronic form. You may print a paper copy of or download any electronic Communication and retain it for your records. All Communications in electronic format will be considered to be "in writing," and to have been received on the day of posting, whether or not you have received or retrieved the Communication. Bank reserves the right to provide Communications in paper format at its discretion. Your consent to receive Communications electronically is valid until you revoke your consent by notifying Bank of your revoked consent by contacting Natural through the email address above. If you revoke your consent to receive Communications electronically, Bank reserves the right to terminate your right to use the Account and related services, and you accept sole liability resulting from such termination of your Account and related services, to the extent permitted by law. Except as expressly provided otherwise in this Agreement, Bank may mail, send electronically, or otherwise make Communications available to you. If Communications are mailed to you, they will be delivered to you at the postal address on file. If Communications are sent to you electronically, they will be delivered to you at the email address on file or otherwise made available to you, including through the Natural Technology. Bank retains printable versions of notices to the extent required by Applicable Law. Regardless of the method in which a Communication is delivered or made available to you, you agree to review Communications promptly.

3(b). Ownership

Your Account shall be owned and titled in the name of one (1) legal entity who shall solely retain the right to direct the deposit or transfer of funds. The individual executing this Agreement must provide us, through the Natural Technology, with evidence to our satisfaction of the authority of the individuals who act on behalf of the Account Owner. We may act on the instructions of the person(s) authorized in the resolutions, banking agreement, or certificate of authority to act on behalf of the Account Owner. You agree to notify us in writing of any changes in the person(s) authorized or the form of ownership. If we receive conflicting instructions or a dispute arises as to authorization, we may place a hold on the Account until such conflict or dispute is resolved to our satisfaction. You are liable to us for all debit balances in the Account, including overdrafts and Account charges, and promise to pay, upon demand, any and all debit balances, all fees and charges, and Bank's reasonable attorneys' fees and all costs and expenses of collection.

7(b). Funds Availability

Bank and Natural may, at their election, choose to make deposits made via ACH debit available on an expedited basis. Such funds are made available on a conditional basis pending settlement of the incoming ACH debit. If funds are made available to you and the incoming ACH debit does not settle, such funds will no longer be available in your Account and you will be responsible for repaying any resulting negative balance in your Account.

8(e). Initiating Funds Transfers

You may only initiate funds transfers (through any method permitted for your Account) by submitting Eligible Instructions and you authorize Bank to honor, accept, execute, and initiate any Eligible Instructions it receives. You acknowledge and agree that the submission of Eligible Instructions represents a commercially reasonable method of providing security against unauthorized transactions. Bank has no obligation, and shall not be liable or responsible for its refusal to act on any instruction or transaction request that is not an Eligible Instruction. You acknowledge that the purpose of transacting through Eligible Instructions is to verify authenticity and not to detect an error in the transmission or content of a transaction or instruction. You and Bank have not agreed upon any procedures for the detection of errors and you are solely responsible for any errors not caused by Bank.

8(f). Accuracy of information

When you originate any funds transfer request through any method made available to you by Bank (including, if applicable, wire or ACH transfers), you are responsible for providing accurate payment information. Bank and any other financial institution involved in the transaction may rely on all identifying numbers (e.g., account and routing numbers) you provide to make payment. Bank may rely on the number even if it identifies a financial institution, person or account other than the one named. Bank will process the funds transfer request based solely on the information you provide to us and expressly disclaims any obligation to review any such request for errors or inconsistent or duplicative information. It is your obligation to verify the information you provide to us including, but not limited to, the identity and relationship of the receiving party, account number, and routing number. Bank is not responsible for any loss or damage you incur from your request for a funds transfer.

8(i). Your Liability for Unauthorized Transfers

You agree to be bound by all Eligible Instructions accepted by Bank in good faith and will be liable for all losses, expenses, and liability, resulting from, related to, or caused by Bank's processing or execution of an Eligible Instruction, regardless of whether such losses, expenses, or liability occur due to unauthorized, incorrect, incomplete, or fraudulent transactions. You acknowledge and agree that because this is a commercial-purpose account, the Electronic Funds Transfer Act and any similar protections available under consumer financial protection laws do not apply to your Account. Contact Natural immediately if you believe your Login Credentials have been compromised or if you believe someone has transferred or may transfer money from your Account without your permission. You are responsible for monitoring and reconciling all activity in your Account. You must report any suspected unauthorized transaction to us immediately.

11(g). Right to Set Off

If your Account balance becomes and remains negative or you are determined to owe Bank any amounts for any reason, Bank can use the funds in your Account or any other account that you own at the Bank to repay any amount owed without further notice to or demand on you. This means Bank has the right to set off any liability, direct or contingent, past, present or future that you owe against any account you have with Bank. Further, you grant Bank a lien on and security interest in the funds on deposit in each of your Account(s) as security for the entirety of your liabilities and obligations to Bank, now or in the future.

11(h). Tax Reporting and Backup Withholdings

You acknowledge that this Account cannot be opened if you are currently subject to backup tax withholding.

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Additional Terms Applicable to Consumer Customers

The following additional terms apply if the Account Owner is an individual opening the Account primarily for personal, family, or household purposes (a "Consumer Customer"). Section numbering corresponds to the Sections and Sub-sections in Part I of this Agreement.

2(a). Account Eligibility

Account is available to individuals who are at least 18 years of age, have a valid government-issued identification, provide a valid residence address, and can form a legally binding contract in the United States. We may impose other restrictions as well. The Account is only available to individuals for personal, family, or household purposes and may not be opened by a business in any form or used for business purposes. The Account may not be opened by a person acting in a fiduciary capacity unless otherwise approved by us in writing.

2(b). Electronic Documents

We may provide you electronic communications and transact business with you electronically, as further set forth in the Electronic Communications and Signatures Agreement located at https://www.natural.co/disclosures#electronic-communications-and-signatures-agreement-e-sign-act. Your authorization and consent to agreements with us, or your delivery of instructions, may be made by use of certain numbers, codes, marks, signs, personal identification numbers ("PINs"), public or private keys, or other means acceptable to you and us, to establish your identity and acceptance of the electronic communications. All electronic communications and agreements that meet these requirements will be deemed to be valid and authentic, and you intend and agree that those electronic communications and agreements will be given the same legal effect as written paper communications signed by you. You agree that electronic copies of communications and agreements are valid, and you will not contest the validity of the originals or copies, absent proof of altered data or tampering.

2(c). Telephone, SMS and Electronic Message Communication

To change your communication preferences or to revoke your consent for calls or text messages made with an automatic telephone dialing system or that deliver prerecorded and/or artificial voice messages, to the extent you have a right under Applicable Law, you must contact Natural by email or phone using the contact information set forth above. To stop text messages, you may also reply "STOP" to any text message we send to you. If we send marketing emails to you, you must follow the opt-out instructions provided at the bottom of the email to opt-out of such emails.

3(b). Ownership

Your Account shall be owned by you and titled in your name. The Account is solely for your use and you may not permit anyone else to use your Account, unless approved by us or as set forth in this Agreement. Without limiting the foregoing, if you permit another person or AI Agent to have access to your Account, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons, even those you did not intend, subject to applicable law.

3(e). Power of Attorney and Death or Incompetence

You may give another person (an "Attorney in Fact") authority to act on your behalf by providing us power of attorney documentation that meets our requirements. We may refuse to honor any power of attorney or refuse to permit your Attorney in Fact to access your Account as permitted by law. An Attorney in Fact may not open an Account on your behalf. Once we accept your power of attorney, the Attorney in Fact may access your Account unless we have had a reasonable opportunity to act on written notice that you have passed away or the power of attorney has been revoked. We have no duty to monitor or ensure that the acts of your Attorney in Fact are for your use or benefit or are otherwise permissible under applicable law. We are not liable if your Attorney in Fact exceeds the powers granted or does not comply with your instructions. In order to complete a power of attorney request, we may be required to contact you to confirm your desire to designate an Attorney in Fact. If we are unable to contact you to confirm your power of attorney designation, we may not accept your power of attorney or we may close your Account.

Upon receiving notification of your death or incapacitation, we may place a hold on your Account and refuse all transactions until we know and have verified the identity of your successor. Until we receive notice and any required proof of death or incapacitation, we may continue to accept deposits and process transactions to your Account. Your estate will be responsible for repaying us for any tax liability resulting from payment of your Account balance to your estate. You agree to hold us harmless for any actions we take based on our belief that you have died or become incapacitated, or any notices of death or incapacitation that we receive. If certain payments originating from government entities are deposited into your Account after your death, we may be required to return those payments to the originator upon notice. If you owe us a debt at the time of your death, we are authorized to exercise our right of setoff or security interest rights against the funds credited to your Account after your death.

8(i). Your Liability for Unauthorized Transfers

Your liability for unauthorized electronic fund transfers from your Account is governed by Regulation E and the Electronic Fund Transfer Disclosure attached to this Agreement. Please review the Electronic Funds Transfer Disclosure carefully for a description of your rights and responsibilities in connection with unauthorized transfers.

11(c). No Waiver

Neither party shall, by mere lapse of time, be deemed to have waived any breach by the other party of any terms or provisions of this Agreement. The waiver by either party of any breach shall not affect our right to enforce any of its rights with respect to other customers or to enforce any of its rights with respect to later transactions with you and is not sufficient to modify the terms and conditions of this Agreement.

11(g). Right to Set Off

You hereby grant and assign to us a security interest in your Account with us, and all property and funds in your Account, to secure any amount you owe us under this Agreement or our service providers, now or in the future, except as provided under applicable law. Subject to applicable law, this includes any debts that now exist and debts that you may incur later, your obligations under a guaranty, and also includes all fees you owe us or our service provider. You agree that we control your Account and may perfect our security interest granted herein. To do so, you agree that we shall comply with any and all order, notices, requests and instructions originated by us directing disposition of the funds in your Account without any further consent from you, even if such instructions are contrary to your instructions or demands or result in our dishonoring transactions which are presented or processed for payment. We may exercise our right of setoff or security interest even if the withdrawal results in an early withdrawal penalty or the dishonor of subsequent checks or transactions. The security interest granted herein is in addition to our right to setoff. You agree to hold us harmless from any claim arising as the result of our security interest in, or enforcement of our security interest against, your Account or our exercising of any right to setoff. If your Account balance becomes and remains negative or you are determined to owe Bank any amounts for any reason, Bank can use the funds in your Account or any other account that you own at the Bank to repay any amount owed without further notice to or demand on you. This means Bank has the right to set off any liability, direct or contingent, past, present or future that you owe against any account you have with Bank. You agree that we are not responsible for dishonoring transactions presented against your Account when the exercise of our right of setoff or security interest results in insufficient funds in your Account to cover the transactions. Our right of setoff or security interest may be exercised before or after the death of an Account holder and can follow the proceeds to any other account held by us. You cannot give a security interest or pledge your Account to someone other than us without first getting our express written consent, which we may withhold for any or no reason.

11(h). Tax Reporting and Backup Withholdings

You acknowledge that this Account cannot be opened if you are currently subject to backup tax withholding. Federal law requires us to report the interest you have earned. If applicable, interest earned will be reported under your Social Security Number or Individual Taxpayer Identification Number. You must certify your Social Security Number or Individual Taxpayer Identification Number during the application process.

Unless you are exempt, we are required to withhold a portion of your interest income and certain other payments (this is referred to as backup withholding) if: (i) you fail to supply us, under penalties of perjury, with your correct taxpayer identification number (TIN); (ii) you fail to provide us with the required certified information; (iii) the IRS instructs us to withhold; or (iv) the IRS notifies you that you are subject to backup withholding. We may report interest and other payments to you to the Internal Revenue Service (IRS), along with your TIN.

A non-resident alien or foreign entity not subject to information reporting must certify its exempt status by completing an appropriate IRS certification form (e.g., W-8 BEN). Non-resident aliens may be required to certify their exempt status every three years (or earlier upon request) to avoid backup withholding.

You may be subject to civil and criminal penalties if you fail to provide us with a correct TIN or falsify information with respect to withholding. For additional information on interest reporting and withholding, contact your tax advisor or the IRS.

11(m). Bank's Relationship With You

We are responsible for exercising only ordinary care in carrying out our obligations under and complying with this Agreement. When we take an item for processing by automated means, ordinary care does not require us to examine the item. In all other cases, ordinary care requires only that we follow standards that do not vary unreasonably from the general standards followed by similarly situated banks.

11(n). Section Headings

This Agreement will be binding on your personal representatives, executors, administrators, and successors.

12. Limitation of Liability

Unless another time is provided in another provision of this agreement, or required by Applicable Law, to the maximum extent permitted by Applicable Law, an action or proceeding by you to enforce an obligation, duty or right arising under this agreement or by law with respect to your account or any account service must be commenced within one year after the cause of action occurs.

14. Dispute Resolution

Notwithstanding anything to the contrary in this Dispute Resolution Provision, if a final decision, not subject to any further appeal or recourse, determines that the limitations of this Section are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and we agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated only in the courts provided for under California law in the federal courts for the Northern District of California and the state courts located in San Francisco County, California. All other Disputes shall be arbitrated or litigated in small claims court.

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Electronic Fund Transfer Disclosure

This Electronic Fund Transfer Disclosure applies to electronic fund transfers to or from your Account to the extent the transfers are governed by Regulation E (excluding remittance transfers governed by Subpart B of Regulation E). This Electronic Fund Transfer Disclosure seeks to inform you of your rights and obligations under Part A of Regulation E. This Electronic Fund Transfer Disclosure does not cover "remittance transfers" or wire transfers governed by Part B of Regulation E.

Transfer Types and Limitations

Account Access. The following electronic fund transfer services are available to you when you open an Account with us:

Direct Deposits. You may permit a payor to make direct deposits to your Account to the extent a payor offers direct deposits.

Other Deposits. You may make deposits from your Linked Account or by automated clearing house transfer to your Account.

ACH Transfers. ACH transfers to and from the Account.

Limitations on Frequency and Dollar Amounts of Transfers. There may be limitations on the frequency and amount of transactions you can make to or from your Account. The limitations are set forth in Exhibit 2. For security reasons, we may impose additional deposit limits. Confidentiality of certain details related to these additional limits is essential to the security of an account or system. Please see below for additional information on limits.

Consumer Liability for Unauthorized Transactions

Tell us AT ONCE if you believe your Login Credentials or any code used to access your Account have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you tell us within 2 Business Days after you learn of the loss or theft of your Login Credentials or any code used to access your Account, you can lose no more than $50 if someone used your Login Credentials or any code used to access your Account without your permission.

If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Login Credentials or any code used to access your Account, and we can prove we could have stopped someone from using your Login Credentials or any code used to access your Account without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, 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 the money if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

Contact in Event of Unauthorized Transfer

If you believe your Login Credentials or any code used to access your Account has been lost or stolen, email us at email address set forth under the section titled "Customer service contact information" above or notify us through the Natural Technology.

You should write to the email address or call the number listed above if you believe a transfer has been made using the information related to you without your permission.

Fees

Please see Section 4 and Rate and Fee Schedule for a description of fees.

Documentation

Periodic Statements. You will get a monthly account Statement through Natural (unless there are no transfers in a particular month, and, in any case, you will get the statement at least quarterly). Please see Section 3(d) for additional information.

Confirmation of Preauthorized Deposits (Credits). If you have arranged to have electronic deposits made to your Account from the same payor at least once every sixty (60) days (for example, if you have direct deposit of your Social Security payments to your Account), you can find out if your deposit has been received by contacting the Natural through the Natural Technology. These electronic deposits will also appear on the periodic statements for your Account. We are not required to provide any other written notice to you concerning the receipt of such payments.

Notice of Varying Payment Amounts. If your recurring electronic payments may vary in amount, the person or company you intend to pay should tell you, ten (10) days before each electronic payment, the date the payment will be made and how much it will be. The person or company that you are paying may choose to give you the option to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set. You should contact the person or company you are paying with any question about these notices.

Preauthorized Payments

If you have scheduled a recurring debit EFT (also known as a preauthorized transfer), you can stop these transfers by contacting us through the Natural Technology or by calling us at the number set forth in the section titled "Customer service contact information" in time for us to receive your request 3 Business Days or more 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 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Our Liability

If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your Account to make the transfer.

If the automated teller machine where you are making the transfer does not have enough cash.

If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

Circumstances beyond our control prevent the transfer,

Failures caused by circumstances beyond our control despite reasonable precautions.

If funds are not available due to a hold or if the Account or funds are subject to a legal action.

If we do not complete a transaction because we have reason to believe the transaction is unauthorized or illegal.

Your Account has been frozen, revoked, canceled, terminated, closed or suspended.

Confidentiality

We will disclose information to third parties about your Account or the transfers you make: (i) where it is necessary for completing transfers; (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; (iii) in order to comply with government agency or court orders; (iv) if you give us written permission; (v) to verify your identity and determine if we should open an Account for you using services provided to us by third parties; or (vi) as explained in our Privacy Notice (available at https://column.com/legal/privacy-notice).

Services offered by Natural are subject to Natural Privacy Policy (available at https://www.natural.co/privacy). Bank does not have control over your data provided or collected by Natural in connection with its services.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers email the Natural using the email address set forth in the section titled "Customer service contact information" or notify us through the Natural Technology as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. In order to reduce your liability, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

Tell us the dollar amount of the suspected error.

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 credit your account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our 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 account.

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

We will tell you the results within three 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.

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EXHIBIT 1

Rate and Fee Schedule

Item	Rate
Pre-funded transactions	1.5% of the transaction total*
Funded transactions	3% of the transaction total*

* Fees are charged on top of the payment principal and debited from your Natural wallet at the time of the transaction.

EXHIBIT 2

Transaction Limitations

There are no set additional deposit, withdrawal, or transfer limits; transactions are subject to fraud constraints that will evolve over time based on behavioral modeling.