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20-0528-DDA-Agreement-MoCaFi_MOCAFI.ACCOUNTAGREEMENT_0720-5.pdf

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The MoCaFi Bank Account and the MoCaFi Debit Mastercard are issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Account Agreement. The MoCaFi Bank Account is marketed and administered by MoCaFi. MoCaFi is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Members FDIC.

1 MoCaFi credit and wealth building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.

2 The economic impact of closing the racial wealth gap, McKinsey & Company, https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-economic-impact-of-closing-the-racial-wealth-gap

3 The case for accelerating financial inclusion in black communities. McKinsey & Company, https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-case-for-accelerating-financial-inclusion-in-black-communities

4 The economic impact of closing the racial wealth gap, McKinsey & Company, https://www.mckinsey.com/industries/public-and-social-sector/our-insights/the-economic-impact-of-closing-the-racial-wealth-gap

5 Rental Payment Reporting is not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse this feature.

6 Faster funding claim is based on a comparison of our policy making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention may delay the availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instructions.

7 The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Account Agreement for details.

8 MoCaFi credit and wealth-building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.

9 Mobility Score is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature

Apple Pay is a trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

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