TRANSFER OUT PAYMENT AUTHORIZATION

One-Time Debit Authorization to your Linked Accounts

You hereby authorize Activehours, Inc d/b/a EarnIn (“EarnIn”), or its payment processor to initiate a one-time debit entry from your deposit account at Evolve Bank and Trust (“Deposit Account”). The amount of such debit shall equal the earnings portion of your Cash Out/Transfer Out, plus any voluntary tips, if applicable (“Total Debit Amount”) as designated in the EarnIn application and as defined in the Cash Out User Agreement between you and EarnIn (the “Cash Out Terms”).

In the event that your Deposit Account cannot cover the full amount of the Cash Out/Transfer Out, you hereby authorize EarnIn to initiate an ACH debit to your linked external bank account designated in the EarnIn mobile app (“Bank Account”). If EarnIn’s attempt to debit your Bank/Deposit Account is unsuccessful, you hereby authorize EarnIn to charge your linked external bank’s debit card on file (“Debit Card”).

You agree that each time you click “Transfer Out” or “Transfer Out + Tip” (if applicable) on EarnIn’s Transfer Out page, you are authorizing EarnIn to (1) debit the Total Debit Amount from your Deposit/Bank Account or charge your Debit Card for the Total Debit Amount, as applicable, on or around the date of your next paycheck, and (2) apply such debited or charged amount to any outstanding balances with EarnIn

The amount will be debited on the date that your paycheck becomes available in your Deposit or Bank Account.

You further authorize EarnIn to debit or credit the Deposit Account, Debit Card and/or Bank Account in the amount necessary to correct any erroneous debits or credits, as applicable.

You understand and agree that EarnIn’s authorization to initiate debit and credit entries to your Deposit Account, Debit Card and Bank Account will remain in full force and effect until you notify EarnIn that you wish to revoke this authorization by emailing care@earnin.com, or by contacting the EarnIn team via live chat in the EarnIn mobile application. You acknowledge that you must notify EarnIn at least three (3) business days before the scheduled debit date in order to cancel this authorization. If EarnIn does not receive notice at least three (3) business days before the scheduled debit date, EarnIn may attempt, in its sole discretion, to cancel the debit transaction. However, EarnIn assumes no responsibility for its failure to do so. Please note that revoking this authorization will not cancel any payment that is initiated before your revocation becomes effective.

You understand that the withdrawal of your electronic authorization contained herein will not apply to debit entries performed before the withdrawal of your authorization becomes effective.

EarnIn is a financial technology company not a bank. Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. EarnIn does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. EarnIn services may not be available in all states. For more info visit earnin.com/TOS.

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