This Account and Cardholder Agreement (“Agreement”) is between you and Axiom Bank, N.A. (“Axiom Bank”), the issuer of your General Purpose Reloadable (GPR) card,  and Majority USA, LLC ("Majority"), the servicer of your General Purpose Card Account ("Account") and GPR Card. By using the account and card or allowing someone else to use the Account or Card, you agree to the terms of this Agreement.

CUSTOMER SUPPORT

For questions or assistance, please contact Customer Service at 1 (855) 553-3388 or [email protected]. You can also send a message to Customer Service by sending a message from the Need Help? section of the Account Page in the Majority App. 

Customer Service agents are available to answer your calls Monday-Friday from 8am to 6pm and Saturday 9am to 5pm USA Central Time. 

Our business days are Monday through Friday, excluding US federal holidays, even if we are open. Any reference to “days” found in this agreement are calendar days unless indicated otherwise. 

TABLE OF CONTENTS

1. Important Information about Procedures for Opening a New Account
2. Agreement
3. Your Majority GPR Card
   1. Generally
   2. Description of Your Card
   3. Personal Identification Number (PIN)
   4. Card Transactions
   5. Card Replacement and Expiration
   6. Refunds and Returns
   7. Receipts
4. Your Majority Account
   1. Deposits
   2. Withdrawals, Transactions and Limits
   3. FDIC Insurance
   4. Stop Payments – Electronic Fund Transfers
   5. Direct Deposits
   6. ACH and Wire Transfers
   7. Statements
   8. Pockets
      1. Transaction Limits
5. Your Obligations and Representations
   1. Your Liability
   2. Your Representations and Warranties
   3. Authorized Account and Card Users
   4. Account Ownership, Use and Transfer
   5. Account Security
   6. Address or Name Change
   7. Statements,
   8. Unlawful Internet Gambling Notice
6. Fraud, Errors and Disputes
   1. Unauthorized or Fraudulent Transactions
   2. Errors Relating to Electronic Funds Transfers
   3. Other Errors
   4. Fraudulent or Criminal Account Activity
   5. Setoff and Overpayment
   6. Claim of Loss
   7. Resolving Account Disputes
7. Additional Account and Card Features
8. Amendments, Suspension and Termination
9. Notices  
10. Death/Incompetence, Inactivity and Unclaimed Property
11. Legal Actions Affecting Your Account
12. Telephonic Instructions
13. Legal and Miscellaneous
    1. Waiver of Notices
    2. No Warranty of Availability or Uninterrupted Use
    3. App and Website Availability
    4. Telephone Monitoring / Recording
    5. English Language Controls
    6. Disclaimer of Warranties
    7. Limitation of Liability and Indemnification
    8. Assignment, Applicable Law and Severability
    9. Section Headings
    10. Entire Understanding 

1. 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 for 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. 

After your account is opened, we may ask again to see a copy of your driver’s license or other identifying documents at any time if we deem it necessary to verify your identity, address, or transactions on your Account. If we ask for specific identifying documents, we will have the right to immediately close or suspend your Account if those specific documents are not provided. These measures are specifically designed to help us protect your identity and identify possible fraud on your Account.

2. AGREEMENT

This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control the issuance and your use of the Majority Visa® GPR Card (“Card”) with Axiom Bank, N.A. (“Axiom Bank”) the issuer of your Card with Majority USA, LLC ("Majority") the servicer of your Account and Card . Please read this carefully and retain it for future reference. If you open or continue to use the Account and Card, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call, email or chat with Majority Customer Support.

This agreement is subject to applicable federal laws, the laws of the state of Florida and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:

1. Summarize some laws that apply to common transactions, your Account and Card usage;

2. Establish rules that cover your Account, Card usage, transactions or events which the law does not regulate;

3. Establish rules for your Account, Card and certain transactions or events which the law regulates but permits variation by agreement; and

4. Give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

Nothing in this document is intended to vary our duty to act in good faith and with ordinary care when required by law.

As used in this document the words "we," "our," and "us" mean mean Majority USA, LLC and Axiom Bank, N.A. and the words "you" and "your" mean the Majority account holder and Card user. However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an individual's responsibility for an organization's liability. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.

"Party" means a person who, by the terms of an account, has a present right, subject to request, to payment from the account other than as a beneficiary or agent.

3. YOUR MAJORITY GPR CARD

a. Generally

By accepting this agreement, you will receive the Majority Visa® GPR Card, with which you may access or spend funds from your Account. The Card is issued to you by Axiom Bank, N.A. (pursuant to a license by Visa USA Inc.), and is distributed and serviced by Majority USA, LLC. You agree that the funds available to be spent with your Card is limited to the funds that you have deposited into your Account or have been deposited into your Account on your behalf.

The expiration date of the Card can be found on the back of the Card. The Card is a GPR card. The Card is not connected in any way to any other account. The Card is not a credit card and will not enhance your credit rating. The Card will remain our property and must be surrendered upon demand. The Card is nontransferable, is not for resale, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. We may refuse to process any transaction that we believe may violate this agreement. The Card may only be used for personal, family or household purposes, and we may cancel your Card if we determine that it is being used for commercial purposes.

Keep records of your Account in case your Card is lost, stolen, or destroyed.

BY ACTIVATING YOUR CARD OR OPENING AN ACCOUNT, YOU REPRESENT THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT AND OUR PRIVACY POLICY. PLEASE VISIT www.majority.com TO VIEW PRINT AND SAVE THIS AGREEMENT AND https://axiombank.wpengine.com/wp-content/uploads/2022/02/Axiom-Bank-Privacy-Policy.pdf TO VIEW, PRINT, AND SAVE OUR PRIVACY POLICY.

b. Description of Your Card

The Card is a GPR card usable wherever GPR cards bearing the Visa® brand are accepted worldwide. The Card issued to you will be in the form of a virtual card (available to you in the App) (“Virtual Card”) and a physical card (a plastic card, which will be delivered to you) (“Plastic Card”), both cards carrying and representing the same assigned 16-digit card number and Card. For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Plastic Card. When you use your Card, you are making a withdrawal from your Account. You may use your Card to make purchases at any merchant that accepts Visa GPR cards, subject to your available Account balance and the other terms and conditions of this agreement and the Majority Terms of Service. You may not use your Card for any online gambling, escort services or any illegal transaction. We may temporarily suspend – “freeze” – your Card and Account and try to contact you if we notice transactions that are unusual or appear suspicious. The Card will have an expiration date and the Card will expire, in accordance with applicable law, on the expiration date. If your Account is in good standing and you have available funds, we will issue you a new Card upon expiration. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice. You must surrender a revoked Card and you may not use an expired or revoked Card. You are required to notify us immediately if you believe the Card is lost or stolen.

Activating Your Card: You must activate your Card before it can be used. To activate your Card, follow the steps and instructions for activation in the Majority App. Your Card will not be available for activation until we have verified your identity.

c. Personal Identification Number (PIN)

To protect the use of your Card, you are required to set a personal identification number (“PIN”). The PIN you set will apply both in relation to your Virtual Card and your Plastic Card. The PIN must be used on all automated teller machine (“ATM”) transactions and PIN transactions. You should not write or keep your PIN with your Card. Never share your PIN with anyone, and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled “Fraud, Errors and Disputes” below.

d. Card Transactions.

You may use your Card to purchase or lease goods or services online, by mail or telephone wherever Visa GPR cards are accepted as long as you do not exceed the value available in your Account, or any other limitations in our sole discretion. You are responsible for all transactions initiated by use of your Card or Account, except as otherwise set forth herein. If you do not have enough funds available in your Account for the amount authorized by you, your transaction will be declined. If you use your Card number without presenting your Card (such as for an online transaction), the legal effect will be the same as if you used the Card itself in-store. You are not allowed to exceed the available amount in your Account through an individual transaction or a series of transactions made with your Card. Nevertheless, if a transaction exceeds the balance of the funds available in your Account, you shall remain fully liable to us for the amount of the transaction.

PIN and Non-PIN Transactions: Merchants may limit the available options for the type of transaction you wish to conduct or may let you choose between a PIN (“Debit”) transaction or a signature (“Credit”) transaction at the point of sale. To initiate a signature transaction at the point of sale, select “Credit” and sign the receipt (if required by the merchant). To initiate a PIN transaction at the point of sale, select “Debit” and enter your PIN at the point of sale terminal. For mail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction as a PIN transaction without asking you to enter your PIN.

Merchant Holds on Available Funds: When you use your Card or Card number to initiate a transaction at certain merchant locations, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in your Account for an amount equal to or in excess of the final transaction amount. The funds subject to the hold will not be available to you for any other purpose until the merchant sends us the final transaction amount. Once we receive the final transaction amount, it may take up to seven (7) days for the hold to be removed. During that period, you will not have access to the funds subject to the hold. Please be advised that you may experience difficulties using your Card at unattended vending machines, kiosks, and gas station pumps. If your Card is declined at a “pay at the pump” gas station even though you have sufficient funds available, you should pay for your purchase inside with the cashier.

e. Card Replacement and Expiration

If you need to replace your Card for any reason, we recommend that you make your request for a replacement Card within the App. You can also replace your Card by contacting our Customer Service (contact details at the very top). You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification and other information necessary to verify your identity. We reserve the right to require an affidavit signed by you and conduct an investigation into the validity of any request. It may take up to thirty (30) days to process a request for a replacement Card although we will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances.

The Plastic Card is valid through the expiration date identified on the front of the Plastic Card and the Virtual Card is valid through the expiration date identified on the front of the Virtual Card and in the App, except where prohibited or modified by applicable law. The funds in your Account do not expire. You will not be able to use your Card after the valid through date; however, you may request a replacement Card by following the procedures in the paragraph labeled “Card Replacement.” The new Card will be able to spend money from your Account.

f. Refunds and Returns

If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs.

We are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with the Card.

g. Receipts

You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.

4. YOUR MAJORITY ACCOUNT

a. Deposits

You may deposit funds to your Account by: (i) direct deposit (“ACH”); (ii) credit or debit card ("Payment Card Deposits"); and (iii)  depositing cash through one of our cash reload locations. All deposit limits are at our sole discretion and are subject to change. 

The maximum balance allowed on your Account is $20,000. We may reject any deposits that exceed the maximum allowed Account balance. You will not receive any interest on your funds in your Account. You agree to present your Card and meet identification requirements to complete deposit transactions as may be required from time to time. If you arrange to have funds transferred directly to your Account from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you.

FEDERAL PAYMENTS: THE ONLY FEDERAL PAYMENTS THAT MAY BE DEPOSITED TO YOUR ACCOUNT VIA A DIRECT DEPOSIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY ACCOUNT HOLDER. IF YOU HAVE QUESTIONS ABOUT THIS REQUIREMENT, PLEASE CONTACT CUSTOMER SERVICE.

We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us"). Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement, claim of alteration, encoding error, counterfeit cashier's check or other problem which in our judgment justifies reversal of credit.

You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open. At our option, we may take an item for collection rather than for deposit. If we accept a third-party check or draft for deposit, we may require any third-party endorsers to verify or guarantee their indorsements, or indorse in our presence.

b. Withdrawals

Generally. You have authority to withdraw or transfer all or any part of the account balance at any time, subject to various withdrawal and transaction limits as explained further below. You acknowledge and agree that the value available in the Account is limited to the balance of the Account. Any transaction that could create a negative balance for your Account is not permitted. If any transactions cause the available balance in your Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees. You agree to pay us promptly for the negative balance. If you do not promptly add sufficient funds to your Account to cover the negative balance, in addition to any other remedies or actions, we may cancel your Account and pursue collection.

Withdrawal Rules. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request which is greater in number than the frequency that we permit, or which is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply any frequency limitations. In addition, we may place limitations on the account until your identity is verified.

Even if we honor a nonconforming request, we are not required to do so later. If you violate the transaction limitations, in our discretion we may close your Account.

We may set or change transaction limits in any amount and at any time. We may impose different transaction limits for different methods, including Card transactions, internet transactions, ACH, ATM or point-of-sale (“POS") withdrawals. We may impose further transaction limits based on the frequency of transaction (e.g. per transaction, per day, and per month) in an amount in our sole discretion.

Cash Withdrawals. We recommend you take care when making large cash withdrawals because carrying large amounts of cash may pose a danger to your personal safety. You assume full responsibility of any loss in the event the cash you withdraw is lost, stolen, or destroyed. You agree to hold us harmless from any loss you incur as a result of your decision to withdraw funds in the form of cash.

If you seek to withdraw cash from a merchant POS device, please note that each merchant may establish limits as to how much cash may be obtained from a POS device at a single time or through a single location. This means that you may need to visit more than one merchant if you are seeking to withdraw cash in an amount which is less than or equal to the total transaction limit, but more than the limit established by the individual merchant.

When you use an ATM not owned by us or is “out of network”, you may be charged a fee by us, Majority, the ATM operator, or any network used. You may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. We are not responsible for third party fees. The amount of all third party fees should be disclosed at the ATM. Any fees charged by us are disclosed to you in the Consumer Fee Schedule. All fees will be deducted from your Account balance, along with the amount of the withdrawal performed at the ATM.

Transactions in Foreign Currencies. If you make a purchase using your Card or Account in a currency other than in U.S. dollars, the amount deducted from the available funds in your Account will be converted by Visa into U.S. dollars. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction.

If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the Bank may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services. Transactions made outside of the 50 United States, the District of Columbia, Puerto Rico, and other U.S. territories are also subject to this conversion fee even if they are completed in U.S. currency.

If you conduct a transaction in a currency other than U.S. dollars, the merchant, the Card Network or other entity that processes the transaction may convert any related GPR debit or credit into U.S. dollars in accordance with its then-current policies. MasterCard and Visa currently use a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets (note: this rate may be different form the rate the association itself receives), or (b) the government-mandated rate. The conversion rate may be different from the rate in effect on the date of your transaction and date it is posted to your Account.  In addition to the currency conversion charge, we will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct at merchants (including foreign websites) outside the United States.

c. FDIC Insurance

All funds associated with your Account shall be held in an account with us, with the balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms and conditions of this agreement. If you have provided us with the personal information described in the paragraph above labeled “Important Information About Procedures for Opening a New Account,” then such funds are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to the maximum amount specified by FDIC regulations. FDIC insurance provided by Axiom Bank, N.A.

d. Stop Payments – Electronic Fund Transfers

Please see the Electronic Fund Transfers Disclosure for information about how to stop electronic fund transfers.

e. Direct Deposits

If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your Account, you authorize us to deduct the amount of our liability to the federal government from the Account or from any other Account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

f. ACH and Wire Transfers

This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your Account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your Account and the party originating such payment will not be considered to have paid the amount so credited. Credit entries may be made by ACH. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

g. Statements

You will receive periodic Account statements which detail your Account transactions and usage. You must examine your statement with “reasonable promptness” after receipt to check for any errors or unauthorized transactions. You must immediately notify us if you do not receive your statement by the date you normally expect to receive it. Not receiving your statement in a timely manner is a sign that there may be an issue with your Account, such as possible fraud or identity theft.

For more information on what to do if you find any errors or unauthorized transactions in your statement, please refer to the “Frauds, Errors and Disputes” section below.

h. Pockets

A Pocket is a sub-account within your Majority account. Pockets can be used to set aside money for a specific goal. Add money to your Pocket by transferring funds from your Primary Account. You can manually transfer funds between your Pocket and primary account as many times as you’d like. Transfers are instant. Transfers to and from Pockets are not subject to the Electronic Funds Transfer Act. You cannot make purchases with your Pocket, nor will funds automatically be transferred back to your primary account to cover purchases or other transactions made with your Primary Account. To access funds in your Pocket, you must transfer those funds back to your Majority account. Pockets do not come with their own account numbers and do not accrue interest.  There is no minimum amount of funds you are required to keep in your Pocket.

i. Transaction Limits

Transaction Type	Limitations
Maximum balance on card	$20,000
Direct Deposit	$10,000 per deposit; $10,000 total every 30 days
Payment Card Deposit	$500 per deposit; $5,000 total every 30 days, 5 transactions per day, 20 transactions total every 30 days
Cash Reload Network deposit	$2,500 per day ; $5,000 total every 30 days *
Withdrawals (ATM, cashback and Over-the-Counter)	$500 per day; $5,000 total every 30 days**
Purchases	$5,000 per purchases; $10,000 total every 30 days
Card-to-Card Transfer	$2,500 per day; $5,000 total every 30 days
Transfer to external account	$10,000 per month*
* Third party money transfer providers may impose their own limits. ** ATM owner-operators, merchants, and participating banks may impose their own lower limits on cash withdrawals.

5. YOUR OBLIGATIONS AND REPRESENTATIONS

a. Your Liability

You agree to the terms of this Account and the schedule of charges. You authorize us to deduct these charges, without notice to you, directly from the Account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement.

We will not charge you any fees for the initial issuance or use of your Card or Account. However, certain third party fees may apply as further described below. We will not charge you a fee to use your Card at any ATM on the Allpoint network. However, we or Majority may charge you a fee for using out of network ATMs, and operators of out of network ATMs and cash dispensing devices, their networks, and merchants may also charge you a fee. Note that you may also be charged a fee for a balance inquiry even if you do not complete a fund transfer. We are not responsible for any third party fees. All fees will be deducted from the balance of the Card, along with the withdrawal or transaction amount. In addition, we remind you that the Card and the related services described herein are made available exclusively to the customers of Majority USA, LLC and that the services provided by that company are subject to the subscription fee as set out in the Majority Terms of Services.

You also agree to be liable for any Account shortage resulting from charges or overdrafts, whether caused by you or another with access to this Account. This liability is due immediately, and we can deduct any amounts deposited into the Account and apply those amounts to the shortage. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.

You will be liable for our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your Account. This includes, but is not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your Account. This also includes any action that you or a third party takes regarding the Account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. All costs and attorneys' fees can be deducted from your Account when they are incurred, without notice to you.

b. Your Representations and Warranties

By applying for or otherwise activating your Account or Card, retaining, using or authorizing the use of the Account or Card or any other services provided by us, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. resident; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us and/or Majority USA, LLC in connection with the Card or other services provided by us or Majority USA, LLC is true, correct, up-to-date (at all times) and complete; (v) you have duly registered yourself with Majority USA, LLC in the App and that you have read and understand the Majority Terms of Service and agree to be bound by and to comply with their terms and conditions; (vi) you have read and understand this agreement and agree to be bound by and to comply with its terms and conditions; and (vi) you accept the Account and Card.

c. Authorized Account and Card Users

You are responsible for all authorized transactions initiated and fees incurred by the use of your Card or Account. You may not permit any other person to have access to your Account, Card or Card number. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your Account. You are wholly responsible for the use of your Account and each Card according to the terms of this agreement subject to the section labeled “Fraud, Errors and Disputes” below, and other applicable law.

d. Account Ownership, Use and Transfer

The Account may only be owned by you and is for your personal use only. You may not co-own the Account with any other person or designate any other person as a beneficiary of the Account. You may not use the Account for business purposes. This Account may not be transferred or assigned without our prior written consent.

e. Account Security

It is your responsibility to protect the Account numbers and electronic access devices (e.g., an ATM card) we provide you for your Account(s). Do not discuss, compare, or share information about your Account number(s) with anyone unless you are willing to give them full use of your money. An account number can be used by thieves to issue an electronic debit or to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to another person (a family member or coworker, 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.

Your Account number 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.

f. Address or Name Change

You are responsible for notifying us of any change in your physical address, mailing address, email address, phone number or your name. Unless we agree otherwise, change of address or name must be made in writing. Requests for address or name changes may be subject to additional verification requirements.

We will attempt to communicate with you by use of the most recent contact information you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you. You agree that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you.

We cannot accept responsibility for any email messages not received by you or for any delay in the receipt or delivery of any email notification. If you make your email account available to any other individual, you agree that you are responsible for any release of any Account information to such individual.

g. Unlawful Internet Gambling Notice

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this Account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

6. FRAUD, ERRORS AND DISPUTES

a. Unauthorized or Fraudulent Transactions

You must examine your statement of Account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized or fraudulent transactions, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss).

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.

You further agree that if you fail to report any unauthorized or fraudulent transactions in your Account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

b. Errors Relating to Electronic Funds Transfers

For information on errors relating to electronic fund transfers (e.g., online, mobile, GPR debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution.

c. Other Errors

In addition to your duty to review your statements for unauthorized or fraudulent transactions, you agree to examine your statement with reasonable promptness for any other error or problem - such as an encoding error or an unexpected deposit amount. You agree that the time you have to examine your statement and items and report to us will depend on the circumstances. However, this time period shall not exceed 60 days. Failure to examine your statement and items and report any errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any errors on items identified in that statement and as between you and us the loss will be entirely yours.

d. Fraudulent or Criminal Account Activity

We reserve the right to block, suspend, or cancel your Account or Card if, as a result of our policies and processes, we detect what we reasonably believe to be fraudulent, suspicious, or criminal activity or any activity inconsistent with this agreement. We may temporarily suspend your Account or Card in the event we detect unusual or suspicious activity. If we exercise this right, we will incur no liability to you because of any resulting unavailability of the funds in your Account or your inability to use your Card.

e. Setoff and Overpayment

We may (without prior notice and when permitted by law) set off the funds in this Account against any due and payable debt any of you owe us now or in the future. This right of setoff does not apply to this Account if prohibited by law. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

We reserve the right to deduct funds from your Account in order to correct a previous error or overpayment to you.

f. Claim of Loss

The following rules do not apply to a transaction or claim related to a consumer electronic fund transfer governed by Regulation E (e.g., an everyday consumer GPR debit card or ATM transaction). The error resolution procedures for consumer electronic fund transfers can be found in our initial Regulation E disclosure titled, "Electronic Fund Transfers." For other transactions or claims, 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 unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you. 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. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.

g. Resolving Account Disputes

We may place an administrative hold on the funds in your Account (refuse payment or withdrawal of the funds) if it becomes subject to a claim adverse to (1) your own interest; (2) others claiming an interest as survivors or beneficiaries of your Account; or (3) 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.

7. ADDITIONAL ACCOUNT AND CARD FEATURES

We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, bill payment services, a loyalty program, and other services. Third party data and message fees may apply. Additional terms and conditions may apply. Additional information and applicable terms and conditions will be provided to you in the App and at the Website.

8. AMENDMENTS, SUSPENSION AND TERMINATION

We may change any term of this agreement. We will give you reasonable notice in writing or by any other method permitted by law. We may suspend your Account at any time and for any reason without notice to you. We may also close this Account at any time upon reasonable notice to you and tender of the Account balance personally or by mail. Items presented for payment after the Account is closed may be dishonored. When you close your Account, you are responsible for leaving enough money in the Account to cover any outstanding items to be paid from the Account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or Account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your Account, we might immediately freeze or close your Account and then give you notice. If we have notified you of a change in any term of your Account and you continue to have your Account after the effective date of the change, you have agreed to the new term(s).

9. NOTICES

Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific delivery instructions provided elsewhere, if any. We must receive it in time to have a reasonable opportunity to act on it. Written notice we give you is effective when it is deposited in the United States Mail with proper postage and addressed to your mailing address we have on file. Notice to any of you is notice to all of you.

10. DEATH/INCOMPETENCE, INACTIVITY AND UNCLAIMED PROPERTY

Upon your death, ownership of your Account passes as part of your estate. We may continue to honor your instructions until: (a) we know of your death or adjudication (determined by the appropriate official) of incompetence, and (b) we have had a reasonable opportunity to act on that knowledge.

Applicable law may require us to report to state government authorities any funds remaining with respect to your Account after a certain period of inactivity. In that event, we may try to contact you at the address shown in our records. If we are unable to contact you, we may be required to transfer any funds remaining with respect to your Account to state government authorities as unclaimed property.

11. LEGAL ACTIONS AFFECTING YOUR ACCOUNT

If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your Account (termed "legal action" in this section), we will comply with that legal action. Or, in our discretion, we may freeze the assets in the Account and not allow any payments out of the Account until a final court determination regarding the legal action. We may do these things even if the legal action involves less than all of the funds in your Account. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your Account or in any way restricted access to your funds in accordance with the legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys' fees and our internal expenses) may be charged against your Account. The list of fees applicable to your Account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions.

12. TELEPHONIC INSTRUCTIONS

Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.

13. LEGAL AND MISCELLANEOUS

a. Waiver of Notices

To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your Account. For example, if you deposit an item and it is returned unpaid or we receive a notice of nonpayment, we do not have to notify you unless required by federal Regulation CC or other law.

b. No Warranty of Availability or Uninterrupted Use

From time to time the Account or Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information from your Card or Account, including the available balance of funds in your Account. Please notify us at Customer Service if you have any problems using your Card or accessing your Account.

You agree that the Axiom Bank, N.A., Majority USA, LLC, and their respective affiliates, employees, or agents are not responsible for any interruption of service.

c. App and Website Availability

Although we strive to make the App and Website and other operational and communications channels constantly available, we do not warrant that these channels will be available and error free all the time. You agree that we will not be responsible for temporary interruptions in service due to maintenance, App or Website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.

We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your mobile phone, computer or other equipment. We advise the regular use of a reputable and readily available virus screening and prevention software.

d. Telephone Monitoring / Recording

You agree that from time to time, without further notice to you, we may monitor and/or record telephone calls and electronic communications between you and us to assure the quality of our customer service or as required by applicable law.

To provide you with the best possible service in our ongoing business relationship for your account, we may need to contact you about your account from time to time by telephone, text messaging or email. However, we first obtain your consent to contact you about your account in compliance with applicable consumer protection provisions in the federal Telephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal regulations and orders issued by the Federal Communications Commission (FCC).

• Your consent is limited to your account, and as authorized by applicable law and regulations.

• Your consent is voluntary and not conditioned on the purchase of any product or service from us.

With the above understandings, you authorize us to contact you regarding your account throughout its existence using any telephone numbers or email addresses that you have previously provided to us by virtue of an existing business relationship or that you may subsequently provide to us.

This consent is regardless of whether the number we use to contact you is assigned to a landline, a paging service, a cellular wireless service, a specialized mobile radio service, other radio common carrier service or any other service for which you may be charged for the call. You further authorize us to contact you through the use of voice, voice mail and text messaging, including the use of pre-recorded or artificial voice messages and an automated dialing device.

If necessary, you may change or remove any of the telephone numbers or email addresses at any time using any reasonable means to notify us.

e. English Language Controls

Any translation of this agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

f. Disclaimer of Warranties

EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Account or Card.

g. Limitation of Liability and Indemnification

WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE PROHIBITED BY LAW. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY US SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD.

YOU AGREE TO HOLD HARMLESS AND INDEMNIFY US AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES (AND THEIR SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES) FROM AND AGAINST ANY AND ALL CLAIMS, SUITS, DAMAGES, PENALTIES, COSTS, FINES, LIABILITIES AND EXPENSES, INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS’ FEES, THAT ARISE FROM YOUR VIOLATION OF THIS AGREEMENT, APPLICABLE LAW, OR ANY THIRD-PARTY RIGHTS OR YOUR FRAUD OR WILLFUL MISCONDUCT. WE RESERVE 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.

h. Assignment, Applicable Law and Severability

Your Account, Card and your obligations under this agreement may not be assigned. We may transfer our rights under this agreement. Use of your Account and Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. 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 shall not be affected. This agreement will be governed by the laws of the State of Florida except to the extent governed by federal law, without regard to any conflicts of law provisions that provide for the application of the law of another jurisdiction.

i. Section Headings

Section headings in this agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this agreement.

j. Entire Understanding

This agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter.

____________________________________

This Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa, U.S.A. Inc.

This agreement is effective July 11, 2024.

CONSUMER FEE SCHEDULE

Date Last Revised: September 19th, 2023

TRUTH-IN-SAVINGS DISCLOSURE

Account Administered by:

Majority USA, LLC

www.majority.com

[email protected]

ELIGIBILITY REQUIREMENTS

You must be at least 18 years old to open this account.

MINIMUM BALANCE REQUIREMENTS

There is no minimum deposit amount to open this account. Axiom Bank does not charge a service fee for this account, though your account will be subject to a $5.99 per month Majority Membership Subscription Fee (please see the Majority Terms of Service for more information, located at
https://www.majority.com/en/terms-of-use/terms-of-service/).

PROCESSING ORDER

Your transactions will be processed on a first in, first out basis. The bank reserves the right to change this order at any time.

The processing order is important because if there is not enough money in the account to pay for the items in the order the are processed in accordance with the processing order, there may be an overdraft on your account.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT

The GPR debit card associated with your account may not be used at all car rental locations. Please contact us at 1 (855) 553-3388 or [email protected] for more details.

FEES AND CHARGES

Please refer to the separate fee schedule provided to you included with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon your request.

Date Last Revised: July 11, 2024

ELECTRONIC FUND TRANSFERS DISCLOSURE

YOUR RIGHTS AND RESPONSIBILITIES

The Electronic Fund Transfers we are capable of handling for consumers are indicated below. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

1. TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS

a. Prearranged Transfers

• Preauthorized Credits. You may make arrangements for certain direct deposits to be accepted into your Majority account.

• Preauthorized Payments. You may make arrangements to pay certain recurring bills from your Majority account.

b. ATM Transfers

You may access your account by ATM using your Majority Visa® Debit Card (“Card”) and personal identification number (PIN) to:

• Get cash withdrawals from your Majority account.

• Get Majority account information.

c. Point-Of-Sale Transactions.

Using your Card you may access your Majority account to purchase goods or pay for services:

• In person

• By phone; or

• By computer

You may also get cash from a merchant, if the merchant permits, or from a participating financial institution.

d. Mobile Banking Transfers.

You may access your Majority account by using the Majority App with a web-enabled smartphone to:

• Make payments from your Majority account

• Get Majority account information

You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.

e. Electronic Fund Transfers Initiated By Third Parties

You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found in the Majority App. You should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers.

2. FEES

Please refer to the separate fee schedule provided to you for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon your request.

ATM Operator / Network Fees: When you use an ATM not owned by us or within the Allpoint Network, you may be charged a fee by us, Majority, the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

3. DOCUMENTATION

a. Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using an:

• Automated Teller Machine (ATM) (withdrawals only).

• Point-of-Sale terminal (deposits available at participating cash reload locations).

You may not get a receipt if the amount of the transfer is $15 or less.

b. Preauthorized Credits.

• If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can check the Majority App or call us at the telephone number listed below to find out whether or not the deposit has been made.

c. In Addition.

• You will get a monthly account statement from us, unless there are no transfers in a particular month. In any case you will get a statement at least quarterly.

4. PREAUTHORIZED PAYMENTS

a. Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how:

Call, write or email Majority Customer Support as listed in this disclosure, 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.

b. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead 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.)

c. Liability for Failure to Stop Payment of Preauthorized Transfer. 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.

5. FINANCIAL INSTITUTION’S LIABILITY

Liability for Failure to Make Transfers. 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 and 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.

• There may be other exceptions stated in our agreement with you.

6. CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

• Where it is necessary for completing transactions;

• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;

• In order to comply with government agency or court orders; or

• If you give us written permission.

7. UNAUTHORIZED TRANSFERS

Consumer Liability. Tell us at once if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose money in your account. If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we prove that we could have stopped someone from using your card and/or code 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 a card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was transmitted 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 long trip or hospital stay) kept you from telling us, we will extend the time period.

Visa® GPR Debit Card. Additional Limits on Liability for the Majority GPR Debit Card. Unless you have been negligent or engaged in fraud, you will not be liable for any unauthorized transaction using your lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transaction not sent over Visa or Plus networks, to anonymous Visa prepaid card transactions, or to transactions using your Personal Identification Number which are not processed by Visa. Visa is a registered trademark of Visa International Service Association.

8. ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below, 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. 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 (5 business days involving a Visa® point-of-sale transaction, or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days involving a Visa point-of-sale transaction, or 20 business days if the transfer involved a new account) 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

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.

9. ADDITIONAL INFORMATION

Your account is also governed by the terms and conditions of other applicable agreements between you and Axiom Bank.

You agree to not reveal your PIN to any person not authorized by you to access your account.

____________________________________

FOR CUSTOMER SERVICE PLEASE REACH OUT TO:

MAJORITY USA, LLC

2509 N Miami Ave., Unit 101

Miami, FL 33127

Email: [email protected]

Phone: 1 (855) 553-3388

FINANCIAL INSTITUTION

AXIOM BANK, N.A.

258 Southhall Ln., Suite 400

Maitland, FL 32751

Phone: 1 (800) 584-0015

Definition of Business Day: Monday through Friday excluding holidays.

Date Last Revised: July 11, 2024

FUNDS AVAILABILITY POLICY DISCLOSURE

Card and Account administered by

Majority USA, LLC

9801 Bissonnet St., Suite V

Houston, TX 77036

Customer Support:

[email protected]

1-855-553-3388

www.majority.com

PURPOSE OF THIS DISCLOSURE

The information here describes our policy of holding deposited items in an account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary, our policy is to make your funds available on the second Business Day after the day of deposit.

For purposes of this disclosure, the terms "you" /"your" refer to the customer and the terms "our" /"we"/ "us" refer to Majority.

DETERMINING THE AVAILABILITY OF YOUR DEPOSIT

The length of the time required to make your deposit available varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for amounts you deposit that are returned to us unpaid and for any other problems involving your deposit.

When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday.

If you make a deposit before the close of business on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

AVAILABILITY SCHEDULE

Direct Deposits. Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

ACH Deposits. Funds from ACH deposits to your account will be available on the day that we receive the deposit, which may be up to three (3) Business Days after the initial deposit request was made.

Payment Card Deposit. Funds that are deposited to your account via an external GPR or credit card are available on the day that we receive the deposit.

Point of Sale Cash Deposits. Cash deposits made via a participating point of sale location are available on the day we receive the deposit.

We will attempt to make money loaded available for use the same Business Day, but availability might be delayed due to technology malfunctions, third-party actions, compliance with legal or regulatory responsibilities, and as permitted by law.

Date Last Revised: July 11, 2024