PAYBRIDGER

1. PARTIES AND ACCEPTANCE

These Terms and Conditions ("Agreement") form a legally binding contract between you ("you," "your," or "user") and 2147M Equity LLC DBA PayBridger, a Delaware limited liability company with its principal place of business at 1178 Broadway, 3rd Floor #489, New York, NY 10001 ("PayBridger," "we," "us," or "our").

This Agreement governs your access to and use of:

• The PayBridger mobile application ("App")
• The PayBridger website at paybridger.com ("Website")
• All PayBridger products and services (collectively, "Services")

By creating an account or using the Services, you confirm that you have read, understood, and agree to be bound by this Agreement. If you do not agree, do not use the Services.

To use PayBridger, you must:

• Be a U.S. citizen or legal permanent resident
• Be at least 18 years of age
• Have a valid U.S. bank account and mobile phone number
• Maintain only one PayBridger account in your real legal name
• Not be prohibited by applicable law from using financial services

Creating an account with false information will result in immediate termination and may constitute fraud under 18 U.S.C. § 1343.

2. EARNED WAGE ACCESS IS NOT A LOAN

PayBridger provides Earned Wage Access ("EWA") services that allow you to access a portion of wages you have already earned but not yet received from your employer. PayBridger's services are:

• NOT a loan
• NOT credit
• NOT a cash advance
• NOT subject to interest charges of any kind
• NOT subject to credit reporting for nonpayment
• NOT subject to mandatory debt collection for nonpayment

PayBridger's EWA service is fully nonrecourse with respect to repayment. This means PayBridger has no legal or contractual right of repayment against you and will not:

• Report nonpayment to any consumer credit bureau
• Refer unpaid balances to a third-party debt collector
• Initiate civil legal proceedings solely to collect an unpaid wage advance
• Charge interest, late fees, or penalties on unpaid balances

If you are unable to repay, your account will be suspended and permanently closed. PayBridger absorbs the loss. That is the nature of nonrecourse EWA.

IMPORTANT DISTINCTION (FRAUD):

The nonrecourse protections above apply to genuine inability to repay. They do not apply to fraud. If you obtained a wage advance through false or misleading information, including a false identity, false employer, or materially false income, that conduct constitutes wire fraud under 18 U.S.C. § 1343 regardless of the nonrecourse nature of the product. The fraud occurred at application, not at repayment. PayBridger will pursue all available remedies including law enforcement referral in confirmed fraud cases. See Section 12.

2A. PROHIBITED USE OF ACH REVOCATION

The Electronic Fund Transfer Act and Regulation E provide consumers the right to revoke ACH authorization. PayBridger respects this right for legitimate purposes.

However, revoking ACH authorization as a deliberate strategy to retain wage advance funds without repayment constitutes:

• Theft by deception under applicable state law
• Wire fraud under 18 U.S.C. § 1343
• Fraudulent misrepresentation under this Agreement
• Intentional breach of contract

By accepting a wage advance, you represent and warrant that your ACH authorization will remain in effect through your repayment date and that you will not revoke authorization as a means of avoiding repayment of funds already received.

If you revoke ACH authorization after receiving a wage advance and do not immediately repay the full outstanding balance by alternative means within 3 business days of revocation:

1. PayBridger will pursue all available legal remedies including civil litigation for theft by deception and fraudulent misrepresentation
2. PayBridger will file reports with applicable law enforcement agencies including local police and the FBI Internet Crime Complaint Center (IC3)
3. PayBridger will report the conduct to all other EWA providers through industry fraud sharing networks
4. PayBridger will pursue recovery of all legal fees and costs incurred in collection efforts
5. PayBridger will blacklist the user's device, bank account, SSN, phone number, and identity from all future PayBridger services

The nonrecourse provisions of Section 2 do not apply and are void in cases of intentional ACH revocation fraud.

3. FEE SCHEDULE

All fees are fully disclosed before you confirm any transaction. PayBridger charges no interest. No tips, gratuities, or voluntary contributions are ever solicited, suggested, or accepted.

3.1 Membership Plans

PayBridger offers two membership plans. Your plan determines whether you can transfer earned wages. Transfer amounts are determined separately by your account access level (see Section 5.2).

3.2 Transfer Delivery Fees

Standard Delivery (1 to 3 business days): FREE. Always.

PayBridger charges a $4.99 fee for expedited wage access transfers. When you request a transfer, PayBridger will process it via the fastest rail available for your bank — Real-Time Payments (RTP) where supported, or ACH where RTP is unavailable. The $4.99 fee covers priority processing and fastest available delivery. PayBridger does not guarantee a specific delivery time, as transfer speed is subject to your bank's processing schedule and network participation.

3.3 Returned Payment Processing Fee

A returned payment processing fee of $15.00 may be charged to recover PayBridger's bank processing costs for each returned ACH item, as permitted by applicable law. This fee is not interest and is not a charge on your advance. PayBridger will not assess more than one (1) returned payment processing fee per advance, regardless of the number of retry attempts made.

3.4 No Tips, Ever

PayBridger does not solicit, suggest, accept, or require tips, gratuities, voluntary contributions, or any similar optional payment. No tip prompt will ever appear anywhere in the PayBridger app or website.

3.5 No-Cost Option

PayBridger always offers at least one no-cost delivery option. Standard delivery (1 to 3 business days) is always available at no charge on every transfer.

3.6 No-Cost Access Election

No-Cost Access Election. You may elect to use PayBridger's earned wage access service at no cost. To exercise this option, email support@paybridger.com with the subject line "No Cost Access." Upon receipt, your membership fee will be waived and you will retain full access to wage transfer functionality. PayBridger will not condition the availability of wage access on payment of any membership fee.

4. AUTO-RENEWAL AND CANCELLATION

4.1 Auto-Renewal

Paid membership plans automatically renew each month on your billing anniversary date until cancelled. You will be charged your plan fee on the same date each month to your linked payment method.

4.2 Cancellation Rights

You may cancel your PayBridger membership at any time without penalty by:

• Emailing support@paybridger.com
• Using the cancellation option in the app under Account Settings

If your PayBridger Plus membership is cancelled or lapses for any reason, your ability to request wage access transfers is immediately suspended. Any pending transfers at the time of cancellation will be processed; no new transfer requests will be accepted until an active membership is restored.

Cancellation takes effect at the end of your current billing period. You retain plan access until the end of the paid period. Any outstanding wage advance balance remains due and will be collected on your next scheduled payday regardless of cancellation status.

UNINSTALLING THE PAYBRIDGER APPLICATION DOES NOT CANCEL YOUR MEMBERSHIP OR TERMINATE THIS AGREEMENT. TO CANCEL YOUR MEMBERSHIP AND TERMINATE YOUR ACCOUNT, YOU MUST CONTACT PAYBRIDGER AT support@paybridger.com AND RECEIVE WRITTEN CONFIRMATION OF CANCELLATION. MEMBERSHIP FEES CONTINUE TO ACCRUE UNTIL WRITTEN CONFIRMATION IS PROVIDED.

4.3 Plan Changes

You may downgrade to the Free plan at any time. Downgrade takes effect at the start of your next billing cycle.

4.4 Refund Policy

Membership fees are non-refundable. If you cancel your paid membership plan, you retain access through the end of your current billing period and no further charges are made. No prorated or partial refunds are issued for unused days in a billing period.

The $4.99 expedited transfer fee is non-refundable once your wage transfer has been initiated and funds have been sent to your linked bank account.

Returned payment processing fees (Section 3.3) are refundable only if PayBridger determines the return was caused by a PayBridger processing error.

PayBridger does not charge interest on wage advances. There is no interest to refund.

5. WAGE ADVANCE SERVICE

5.1 How Your Available Amount Is Determined

PayBridger calculates your available wage advance based on the following factors:

• Verified hours worked in the current pay period
• Your stated hourly rate or annual salary
• Your employer and pay schedule
• Your account history
• Real-time bank balance data via Plaid
• PayBridger's proprietary risk assessment model

PayBridger reserves the right to adjust, reduce, or deny any wage advance request at its sole discretion based on risk factors, account history, or other criteria.

5.2 Access Levels (Daily Access and Payday Limit)

All new accounts start at the entry access level regardless of which membership plan they select. Both the daily access amount and the payday limit can increase over time as your account is established. The payday limit is a separate cap from the daily access amount and resets on payday.

• Level 1: $25/day, $100 until payday.
• Level 2: $100/day, $200 until payday.
• Level 3: $250/day, $350 until payday.
• Level 4: $500/day, $500 until payday.

Your membership plan controls whether you may transfer. Your access level controls how much you may transfer per day and before your next paycheck. These two systems are coupled: Free members cannot transfer regardless of their access level.

5.3 Repayment

By accepting a wage advance, you authorize PayBridger to initiate an ACH debit from your linked bank account on your next payday for the full advance amount plus any applicable fees you have selected.

Failed Repayment; Retry Schedule. If your ACH debit is returned or fails for any reason on the Repayment Date, PayBridger may retry the debit up to two (2) additional times as follows:

• Retry 1: Approximately 3 business days after the initial failed debit
• Retry 2: Approximately 5 business days after Retry 1 failure

PayBridger will notify you via SMS and/or email at least 24 hours before each retry attempt. PayBridger will not attempt more than three (3) total ACH debits (1 initial + 2 retries) in connection with any single advance repayment. All ACH activity complies with NACHA Operating Rules.

Account Suspension. If your repayment is not successfully processed after all retry attempts, your access to future advances will be suspended until your outstanding balance is repaid in full. Membership fees will continue to accrue during any suspension period. Upon successful repayment of your full outstanding balance, advance access will be restored automatically within 1 business day.

Voluntary Repayment. You may contact PayBridger at support@paybridger.com at any time to arrange voluntary repayment of an outstanding balance, update your linked bank account, or request a repayment date adjustment. PayBridger may, at its sole discretion, adjust the retry schedule for consumers experiencing temporary financial hardship.

Repayment Method. Repayment is collected exclusively via ACH debit from your linked bank account. PayBridger does not accept repayment via credit card or charge card.

Repayment Timing. Your repayment is scheduled for your next payday as identified by PayBridger through your linked payroll data. ACH debit for repayment will be initiated one (1) business day before your scheduled payday to account for standard ACH processing time. You may revoke your ACH authorization by contacting support@paybridger.com no later than three (3) business days before the scheduled ACH initiation date. Business days exclude Saturdays, Sundays, and federal banking holidays.

Debit Card Re-Presentment. If you have authorized repayment via debit card and a transaction is returned or declined, PayBridger may re-present the debit up to two (2) additional times following the initial return, in accordance with NACHA operating rules. You will be notified of any failed repayment attempt. No additional fees will be assessed solely as a result of a returned debit.

5.4 Delivery Options

Standard Delivery: Funds arrive in 1 to 3 business days at no charge.

PayBridger charges a $4.99 fee for expedited wage access transfers. When you request a transfer, PayBridger will process it via the fastest rail available for your bank — Real-Time Payments (RTP) where supported, or ACH where RTP is unavailable. The $4.99 fee covers priority processing and fastest available delivery. PayBridger does not guarantee a specific delivery time, as transfer speed is subject to your bank's processing schedule and network participation.

6. ACH AUTHORIZATION

By using PayBridger you authorize 2147M Equity LLC DBA PayBridger to:

• Initiate ACH debit entries to your linked bank account for all wage advance amounts plus any applicable fees on your designated repayment date
• Initiate ACH debit entries for returned payment fees of $15.00 in the event of a failed repayment
• Initiate ACH credit entries to deliver funds to your linked bank account

This authorization is given pursuant to the Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.) and Regulation E (12 C.F.R. Part 1005). It remains in effect until revoked in writing with at least 3 business days advance notice before the scheduled transaction date.

PayBridger will provide advance notice of the debit amount and date through the app and by email before each repayment. If PayBridger collects payment earlier than disclosed or in a different amount than disclosed, PayBridger will reimburse you for any overdraft or non-sufficient funds fees incurred as a direct result.

6.1 ACH Authorization and Revocation

By using PayBridger's wage access service, you authorize PayBridger to initiate ACH debits from your linked bank account for repayment of accessed wages. This authorization may be revoked by contacting PayBridger support at least 3 business days before the scheduled repayment date.

Revoking ACH authorization after receiving a wage access does not eliminate your obligation to repay the accessed amount. Revoking ACH authorization will result in immediate termination of your PayBridger membership and permanent closure of your account for wage access services. Membership fees are non-refundable upon revocation.

PayBridger reserves the right to report ACH revocation events to fraud prevention networks and to share information about revocation events with other financial service providers for fraud prevention purposes.

7. IDENTITY VERIFICATION

7.1 Identity Verification

PayBridger may require identity verification before processing your first wage advance or at any time deemed necessary for fraud prevention. Identity verification is powered by Plaid and bank-account verification.

8. DEVICE, IP, AND FRAUD PREVENTION CONSENT

You consent to PayBridger collecting the following for fraud prevention, security, and compliance:

• Device identifiers and device fingerprint data
• IP address and approximate geographic location
• Application behavior signals including form completion timing and input methods
• Browser and operating system characteristics
• Phone number type and carrier information

This data is used solely for fraud prevention and compliance and is not sold to third parties.

9. EMPLOYMENT AND INCOME VERIFICATION

To access wage advances you must provide accurate information about:

• Your employer name and contact information
• Your pay schedule and next expected payday
• Hours worked in the current pay period
• Your hourly rate or annual salary

By using the Services you authorize PayBridger to verify this information against your bank transaction history through Plaid, including payroll deposit patterns, account balance history, and income consistency. PayBridger may use this verification to adjust, reduce, or deny your available amount.

You represent and warrant that all employment and income information you provide is accurate and complete. Providing materially false information to obtain a wage advance constitutes wire fraud under 18 U.S.C. § 1343 and will be treated as confirmed fraud under Section 12 of this Agreement.

10. THIRD-PARTY SERVICES

PayBridger uses the following third-party services. Your use of PayBridger constitutes acceptance of their applicable terms and privacy policies:

• Plaid Technologies, Inc.: bank account linking, identity verification, income verification, and transaction analysis
• Increase: bank payment processing (ACH/RTP)
• Twilio Inc.: SMS verification and phone number intelligence

PayBridger is not responsible for the accuracy, availability, or performance of third-party services.

11. STATE REGULATORY DISCLOSURES

11.1 California

PayBridger is registered with the California Department of Financial Protection and Innovation (DFPI) under the California Consumer Financial Protection Law (CCFPL) as a provider of income-based advances. Registration Number: 04-CCFPL-2832391-3787470. PayBridger is registered and authorized to conduct business as a provider of income-based advances in California. Registration does not constitute endorsement by the State of California.

To file a complaint: dfpi.ca.gov or 1-866-275-2677.

11.2 Wisconsin

PayBridger is licensed by the Wisconsin Department of Financial Institutions, Division of Banking, as an Earned Wage Access Services Provider. License Number: [to be added upon approval].

To file a complaint: dfi.wi.gov or (608) 261-9555.

11.3 Geographic Restrictions

PayBridger Services are available only in states where PayBridger holds applicable licenses or registrations. Services are not available where prohibited by law.

State Availability. PayBridger is not currently available to residents of the following states or jurisdictions: Colorado, Connecticut, Indiana, Kansas, Maryland, Missouri, Nevada, New York, South Carolina, Utah, Vermont, and the District of Columbia. The service is also not available to residents of U.S. territories. Residents of unavailable jurisdictions are not eligible to create an account or access wage transfer services. PayBridger will update this list as availability expands.

12. FRAUD: POLICY AND CONSEQUENCES

12.1 What Constitutes Fraud

The following constitute fraud under this Agreement and applicable federal law regardless of the nonrecourse nature of PayBridger's EWA product:

• Providing a false identity, name, SSN, or date of birth during account creation
• Using another person's identity or financial information without authorization
• Providing false or unverifiable employer information
• Materially misrepresenting hours worked or income to obtain a larger advance than you would otherwise qualify for
• Creating multiple accounts using different identities or information
• Any other material misrepresentation made at application to obtain funds

12.2 Evidence Retained

PayBridger retains the following for all accounts:

• Identity and bank-account verification via Plaid
• Social Security number last four digits for fraud and duplicate-account checks
• Device fingerprint and IP address records
• Complete application with timestamps and behavioral data
• Bank verification records via Plaid
• Income verification records via Plaid
• All transaction records
• All communications

12.3 Consequences of Confirmed Fraud

In confirmed fraud cases PayBridger will:

• Permanently close and blacklist your account
• Blacklist your device, bank account, phone number, SSN, email, and identity across all PayBridger systems
• Share fraud data with EWA industry fraud prevention networks so other providers may decline to serve you
• File reports with the following agencies:
  • FBI Internet Crime Complaint Center at ic3.gov
  • Federal Trade Commission at reportfraud.ftc.gov
  • Your local law enforcement agency
  • Your state Attorney General's office
• Cooperate fully with all law enforcement investigations and provide all records without requiring a subpoena where permitted by law

12.4 Federal Fraud Notice

Obtaining money by means of false pretenses transmitted electronically constitutes wire fraud under 18 U.S.C. § 1343. Wire fraud is a federal felony punishable by up to 20 years imprisonment per count and significant financial penalties. PayBridger actively cooperates with federal and local law enforcement in all confirmed fraud cases and prosecutes without exception.

All application data, device identifiers, photographs, and behavioral signals are logged and retained specifically for use in fraud investigation and prosecution.

13. NON-PAYMENT: POLICY

13.1 Our Commitment to You

If you cannot repay your wage advance on the scheduled date, contact us before that date at support@paybridger.com. We will work with you on a reduced payment schedule at no additional cost, no interest, and no penalties.

We understand that circumstances change. PayBridger is here to help, not to add stress to an already difficult situation.

13.2 What Happens With Non-Payment

While PayBridger's earned wage access product is nonrecourse by design and regulatory requirement, unresolved balances are not ignored. Every unpaid balance is:

• Logged permanently in our internal risk database
• Reported to EWA industry fraud prevention networks shared across financial services providers, meaning other earned wage access and fintech applications may decline to serve you
• Associated permanently with your device, bank account, phone number, email address, and identity
• Reviewed by our risk team for indicators of fraud or misrepresentation that may warrant law enforcement referral per Section 12

PayBridger does not take non-repayment lightly. We extend earned wage access in good faith based on verified income and employment. Choosing not to repay has real and lasting consequences for your ability to access financial services, not just with PayBridger, but across the broader fintech ecosystem.

PayBridger will NOT:

• Report nonpayment to consumer credit bureaus
• Refer standard unpaid balances to a third-party collections agency
• Initiate civil legal action solely to recover an unpaid wage advance
• Charge interest, late fees, or penalties on unpaid balances

13.3 Payment Plans

If you contact us before or shortly after a failed repayment, PayBridger may offer a payment plan with the following terms:

• Maximum 3 installments
• Spread across your next 3 paydays
• No additional fees, interest, or penalties
• Account reinstated after first successful payment
• Full access restored after balance is cleared
• Available once per 12-month period

14. COMPLAINT AND DISPUTE RESOLUTION PROCEDURE

14.1 Internal Process

To submit a complaint or dispute contact PayBridger:

Email: support@paybridger.com

Mail: 2147M Equity LLC DBA PayBridger
      1178 Broadway, 3rd Floor #489
      New York, NY 10001

PayBridger will acknowledge your complaint within 2 business days and provide a written response within 10 business days. If additional time is required, PayBridger will notify you and provide a provisional credit where applicable under Regulation E.

14.2 Unauthorized Transfer Disputes

If you believe an unauthorized electronic fund transfer has occurred, notify PayBridger immediately at support@paybridger.com. PayBridger will investigate pursuant to Regulation E (12 C.F.R. Part 1005) and resolve your dispute within 10 business days. If additional time is required (up to 45 days), a provisional credit will be applied pending investigation.

14.3 Regulatory Complaints

You have the right to file complaints directly with state regulatory authorities. See Section 11 for state-specific contact information.

15. CONSENT TO ELECTRONIC COMMUNICATIONS

You agree to receive the following electronically, satisfying any legal requirement that communications be "in writing":

• This Agreement and any amendments
• Account statements and transaction records
• Legally required disclosures
• Notices of changes to terms or fees
• Repayment notifications and reminders
• Marketing communications (may be opted out separately)

You may withdraw consent by emailing support@paybridger.com. Withdrawal requires account closure as Services cannot be provided without electronic communications.

16. SMS MESSAGING

By creating an account you consent to receive SMS messages from PayBridger at the number you provide, including:

• Two-factor authentication codes
• Repayment reminders and confirmations
• Account alerts and notifications
• Service updates

Message and data rates may apply. You may opt out of non-essential SMS by replying STOP or contacting support@paybridger.com. Opting out of authentication SMS may prevent account access.

17. PRIVACY AND DATA USE

PayBridger's Privacy Policy governs collection, use, and protection of your personal information and is incorporated into this Agreement by reference. Key practices:

• Bank account data is accessed through Plaid solely for wage verification and repayment
• Identity verification is performed via Plaid; PayBridger does not store government-ID documents
• Your personal data is never sold to advertisers or third parties for marketing
• Credit improvement data is shared with partners only with your explicit written consent

18. ACCOUNT TERMINATION

18.1 Termination by PayBridger

PayBridger may suspend or terminate your account at any time for any reason including:

• Violation of this Agreement
• Confirmed or suspected fraud
• Failure to repay outstanding advances
• Providing false information
• Risk management decisions

18.2 Effect of Termination

Upon termination all outstanding balances remain due. Sections 2, 6, 7, 8, 12, 13, 14, 15, 24, 25, 26, 27, and 28 survive termination.

19. MODIFICATIONS

PayBridger may modify this Agreement at any time. Material changes will be communicated by email or in-app notification at least 15 days before taking effect. Continued use after the effective date constitutes acceptance. If you do not agree, cancel your account before the effective date.

20. INTELLECTUAL PROPERTY

All PayBridger content, branding, logos, software, and materials are the exclusive property of 2147M Equity LLC DBA PayBridger protected by applicable U.S. intellectual property laws. Unauthorized copying, modification, distribution, or reverse engineering is strictly prohibited.

21. DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND EXPRESS OR IMPLIED INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. PAYBRIDGER DOES NOT WARRANT THAT SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES. IN SUCH JURISDICTIONS THE FOREGOING APPLIES TO THE MAXIMUM EXTENT PERMITTED BY LAW.

22. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL 2147M EQUITY LLC DBA PAYBRIDGER, ITS MEMBERS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THE SERVICES.

PAYBRIDGER'S TOTAL CUMULATIVE LIABILITY FOR ANY AND ALL CLAIMS SHALL NOT EXCEED THE GREATER OF (A) TOTAL FEES PAID BY YOU TO PAYBRIDGER IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $1,000.

YOUR SOLE REMEDY FOR DISSATISFACTION IS TO DISCONTINUE USE AND CANCEL YOUR ACCOUNT.

23. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless 2147M Equity LLC DBA PayBridger and its members, officers, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses including reasonable attorneys' fees arising from:

• Your use or misuse of the Services
• Your violation of this Agreement
• Any inaccurate or false information you provided
• Your violation of applicable law or third-party rights

24. DISPUTE RESOLUTION AND ARBITRATION

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT OR PARTICIPATE IN A CLASS ACTION.

24.1 Binding Arbitration

Except as provided in Section 24.5, any dispute, claim, or controversy arising from this Agreement or the Services shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules rather than in court. A single arbitrator shall preside. Judgment on the award may be entered in any court having jurisdiction.

24.2 Class Action Waiver

YOU AND PAYBRIDGER EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims or preside over any class proceeding. If this waiver is unenforceable the entire arbitration provision shall be null and void.

24.3 Jury Trial Waiver

YOU AND PAYBRIDGER EACH WAIVE THE RIGHT TO A JURY TRIAL for any dispute not subject to arbitration.

24.4 Arbitration Procedures

To initiate arbitration send a written Notice of Dispute to: 2147M Equity LLC DBA PayBridger, 1178 Broadway, 3rd Floor #489, New York, NY 10001. The notice must describe the claim and relief sought. PayBridger will attempt informal resolution for 30 days before either party initiates arbitration.

AAA fees will be allocated per Consumer Arbitration Rules. For claims under $10,000 PayBridger pays all arbitration fees unless the claim is found frivolous. Arbitration may be conducted by telephone, online, or in person in New York, New York or your county of residence.

24.5 Exceptions to Arbitration

The following are not subject to arbitration:

• Claims for injunctive relief to prevent intellectual property infringement
• Claims that may be brought in small claims court
• Regulatory complaints filed with state financial regulators per Section 11

24.6 Opt-Out

You may opt out of arbitration within 60 days of first using the Services by emailing support@paybridger.com with the subject line "Arbitration Opt-Out" and your full name and account email. Opting out does not affect any other provision.

24.7 Governing Law for Arbitration

The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this arbitration agreement.

25. GOVERNING LAW

Except as provided in Section 24.7, this Agreement is governed by the laws of the State of Delaware without regard to conflict of law provisions. To the extent any matter is not subject to arbitration, you consent to exclusive jurisdiction in the state and federal courts of New Castle County, Delaware.

26. SEVERABILITY

If any provision is held invalid, illegal, or unenforceable, the remaining provisions continue in full force. The invalid provision will be modified to the minimum extent necessary to make it enforceable.

27. ENTIRE AGREEMENT

This Agreement, together with the Privacy Policy and any additional terms disclosed at the time of a specific transaction, constitutes the entire agreement between you and 2147M Equity LLC DBA PayBridger regarding the Services and supersedes all prior agreements. This Agreement may be assigned by PayBridger but may not be assigned by you without PayBridger's prior written consent.

28. CONTACT INFORMATION

For state regulatory complaints see Section 11.

29. EARNED WAGE ATTESTATION AND HOURS REPORTING

At the start of each pay period, you are required to confirm your employment status and estimated working hours for that period. By completing this attestation you represent that: (i) you are currently employed at the employer listed on your account; (ii) the hours you have reported reflect your actual or expected working hours for the current pay period; and (iii) the wages you are accessing represent compensation for work already performed or hours already worked. You may update your reported hours at any time during the pay period to reflect schedule changes. PayBridger uses your reported hours in good faith to calculate your estimated earned wages. Intentional misrepresentation of hours or employment status constitutes a material breach of these Terms and may result in immediate account termination.