Finance Savings Tools

FINANCE SAVINGS TOOLS ENROLLMENT & AUTHORIZATION

Client Information

Client Name:

Date of Birth:    Last 4 of SSN/TIN:

Enrollment Selection — Savings Tools

Select one or more savings tools to enroll in. Selecting a tool constitutes authorization to implement the described functionality subject to the terms and authorizations in this form.

High-Yield Savings Account (interest-bearing subaccount)

Automated Recurring Transfer    Amount:    Frequency:    Start Date:

Round-Up Savings (rounds debit card purchases to nearest dollar and transfers difference to savings)    Threshold Limit:

Goal-Based Subaccounts    Number of Goals:

Sweep Service (automated transfers between checking and savings when balance thresholds are met)    Minimum Sweep Balance:

Funding Instructions

Provide the funding source to enable transfers and round-ups. Transfers will be subject to the financial institution's verification and applicable hold periods.

Allocation to Goals (if applicable)

Specify how recurring transfers and round-ups should be allocated among goal subaccounts. Percentages must total 100% if multiple goals are used.

Beneficiary Designation

Designate a payable-on-death beneficiary for the savings tools being enrolled. This designation supersedes prior beneficiary designations for the specific tools selected above.

Disclosures, Authorizations, and Representations

By enrolling and signing this form, Client certifies that all information provided is true and correct. Client authorizes the financial institution and its agents to initiate debits and credits to the funding account(s) identified for the purposes described herein, and to take other actions reasonably necessary to establish, verify and operate the selected savings tools.

Client understands that transfers and round-up transactions are subject to applicable funds availability rules, verification procedures and may be delayed or denied for reasons including insufficient funds or service limitations. Client agrees to indemnify the institution for claims arising from Client's provision of incorrect account information or failure to maintain adequate balances for authorized transfers.

Interest rates, fee schedules, and terms applicable to enrolled savings tools may change; the institution will notify Client as required by law. Client acknowledges receipt of, and consent to be bound by, the institution's applicable account agreement, fee schedule, and disclosures governing electronic transfers, which govern rights and obligations of the parties.

Client further authorizes the institution to obtain credit reports or other verification as necessary to confirm identity and to administer services. This authorization will remain in effect until the institution receives written revocation at the address on file and has a reasonable opportunity to act on it.

Fees, Interest, and Liability

Fees may apply for certain transactions, including returned items, expedited transfers, or account maintenance. Interest, when applicable, is calculated and credited in accordance with the account terms. The institution's liability for errors or unauthorized transactions is governed by the applicable account agreement and governing law. Client must review periodic statements and promptly report any discrepancies in accordance with the account agreement.

Privacy and Electronic Delivery Consent

Client acknowledges receipt of the institution's privacy summary and consents to electronic delivery of disclosures and communications related to the enrolled tools. Electronic delivery will be accomplished via the primary email on file or other electronic means designated by the institution.

I consent to electronic delivery of disclosures and account communications.

I authorize ACH debits/credits to the funding account in accordance with the funding instructions above.

Certification & Acknowledgement

By signing below, Client certifies under penalty of perjury that the information provided is true, correct, and complete, and that Client has authority to enroll in the selected services and to authorize debits/credits to the funding account. Client further acknowledges receipt of the terms set forth in this form and the right to revoke authorization as provided herein.

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