EVOLVE BANK & TRUST
CUSTOMER ACCOUNT AND CARDHOLDER AGREEMENT

E. Statements and Reproduction of Bank Records.

We will deliver or make available to you periodic statements for your Account as required by law. You will receive a statement as long as you have a transaction on your Account during the Statement period, and if there were no transactions on your Account, we will provide you a statement at least quarterly. The Account statement will describe payments or transfers made in connection with your Account. You agree to notify us promptly if you do not receive your statement by the date you normally would expect to receive it. You will receive an electronic statement (not paper), and you agree that the statement has been delivered or made available to you in a reasonable manner.

If you request us to research and/or reproduce any of your records (statements, checks, deposits, withdrawals, etc.) we may charge a
fee, and you agree to pay this fee. If the expected fee is large, you may be asked to pay the fee in advance. We reserve the right to provide you
with an imaged item in lieu of the original item.

F. Bank Deposit Custodial Program.
i. Introduction.

By accepting the terms of this Agreement or holding a deposit account with us (including, but not limited to your Account), you agree to participate in the Bank deposit custodial program, as further described in this Section F (the “Program”) and agree to be bound by the following terms and conditions (“Program Agreement”). The Program is offered by us in connection with your Account.

If you have any questions about any provisions of this Program Agreement, please contact us at support@mymanapacific.com.
Pursuant to the terms of this Program Agreement, you agree to appoint Bank, as agent for you and as custodian, to open and maintain
with one or more insured depository institutions (each, a “Program Bank” and collectively, “Program Banks”) a deposit account, transaction
account, money marketing account, or omnibus custody account (individually and collectively, “Sub-Deposit Account”) in the name of Bank
(for your benefit), and to deposit your funds into Sub-Deposit Accounts at one or more Program Banks as set forth on a list provided to you
(“Bank List”). You agree to open a custodial account at Bank (“Custodial Account”), which may be used to facilitate deposits to and
withdrawals from the Sub-Deposit Account.

When you deposit funds with Bank under this Agreement, your funds will be deposited into your Account and may be deposited by
Bank, as your agent and custodian, into Sub-Deposit Accounts at one or more Program Banks via your Account or Custodial Account. As
your custodian, Bank will maintain records of your Sub-Deposit Accounts at each Program Bank.

Your funds at Bank and at each Program Bank identified as a “Priority Bank” on the Bank List are eligible for FDIC insurance
coverage up to $250,000 for each insurable capacity in which your Sub-Deposit Account is held (e.g., individual account, joint account, etc.)
(the “Deposit Limit”).

 

Funds in your Account or Sub-Deposit Account may exceed the Deposit Limit in any Priority Bank.

Amounts in excess of the Deposit Limit but not greater than the Program Insurance Eligibility Limit (as defined herein) will be deposited at one or more Priority Banks. Any amount in excess of the Program Insurance Eligibility Limit may not be covered by FDIC insurance; such amount
may be deposited at a Priority Bank acting as an “Excess Bank” (as set forth on the Bank List) for such amount.
Any deposits (including certificates of deposit) that you maintain in the same insurable capacity directly with Bank, a
Program Bank or through an intermediary (such as a broker), regardless of the number of accounts, will be aggregated with funds in
your Account, Sub-Deposit Account, Custodial Account or a Program Bank for purposes of the Deposit Limit. You are responsible
for monitoring the total amount of deposits that you have with Bank and each Program Bank in order to determine the extent of
FDIC insurance coverage available to you.

The Sub-Deposit Accounts are solely the obligations of the Program Banks, and neither directly nor indirectly obligations of Bank
nor Service Provider. Bank is agent and custodian for you with respect to Sub-Deposit Accounts and ownership will be evidenced by a
book entry in records maintained by us. You will not have a direct relationship with the Program Banks. No evidence of ownership related to
the Sub-Deposit Account will be issued to you, and you will not receive any written confirmation of the establishment of the Sub-Deposit
Account or transfer of funds to or from the Sub-Deposit Account. All deposits and withdrawals will be made by Bank on your behalf, and all
deposits to your Sub-Deposit Account and withdrawals from the Sub-Deposit Account necessary to satisfy any debits to or withdrawals from
your Account will be made by Bank, as your agent. Information about your Sub-Deposit Accounts may be obtained from Service Provider or
Bank, not the Program Banks.

All communications regarding the Program, including periodic statements and notices regarding changes to the Program, are the responsibility of Service Provider and Bank, not the Program Banks. If you have any questions regarding your Account or Sub-Deposit Accounts, please contact Service Provider at support@mymanapacific.com.

The terms and conditions of the Program, and any feature of the Program, may be varied at Bank’s sole discretion. Bank, in its sole discretion, may make exceptions to the terms and conditions of the Program.

ii. Appointment of Bank as Your Agent and Custodian.

You appoint Bank, and Bank agrees to be appointed, as your agent and custodian to hold in safekeeping all Sub-Deposit Accounts at Program Banks. You authorize Bank to execute and deliver or file on your behalf all appropriate receipts, agreements, releases and other instruments, including whatever agreements may be required to establish and maintain the Sub-Deposit Accounts or to establish your ownership interest in the Sub-Deposit Account. You appoint Bank to act as your agent with respect to establishing, maintaining and administering the Sub-Deposit Account, and you authorize us to take any action necessary to establish, maintain and administer the Sub-Deposit Account and to initiate transfers to and from your Sub-Deposit Account, Custodial Account and Account as we may determine in Bank’s sole discretion.

You agree that Bank, as your agent, may place any or all of your funds on deposit with Bank at one or more Program Banks in an amount determined in Bank’s sole discretion based on available capacity at the Program Bank or other criteria, including rates or fees paid on deposits by the Program Bank to Bank. Bank may place your funds without regard to whether such funds may exceed the Deposit Limit at one or more Program Banks, even if your funds could be placed in one or more Program Banks in an amount less than the Deposit Limit. Bank may financially benefit if it places your funds into a Program Bank in excess of the Deposit Limit when that Program Bank pays a greater amount of fees to Bank than other Program Banks that could accept your deposits in amounts under the FDIC insurance limit. Please carefully read the section entitled “Waiver of Conflicts” below.

You authorize Bank to collect and retain all payments of income pertaining to the Sub-Deposit Accounts (if any) and to deliver or
transfer the funds on deposit in the Sub-Deposit Accounts to another account with Bank, including your Account, to process any transactions
or transfers from your Account. As your agent, you authorize Bank to determine the amount of funds to deposit in and withdraw from each
Sub-Deposit Account.

You agree that Bank, in its sole discretion, may divide the funds deposited into your Account into one or more separate Sub-Deposit
Account to be managed by Bank.

You agree that Bank may comply with any writ of attachment, execution, garnishment, tax levy, restraining order, subpoena, warrant
or other legal process that Bank believes (correctly or otherwise) to be valid. We may notify you of such process by telephone, electronically
or in writing. If Bank is not fully reimbursed for its record research, photocopying and handling costs by the party that served the process,
Bank may charge such costs to your Sub-Deposit Account, in addition to any minimum fee Bank may charge for complying with legal
processes.

You agree that Bank may honor any legal process that is served personally, by mail, or by facsimile transmission at any of Bank’s
offices or an office of Bank’s agent (including locations other than where the funds, records or property sought is held), even if the law
requires personal delivery at the office where your Account or records are maintained.

We may provide your name, tax identification number and other pertinent identifying information to Program Banks, and other
parties providing services in connection with the placement of your funds and the establishing and holding of the Sub-Deposit Account.
You agree that we shall have no liability to you for any action taken or omitted by us hereunder in good faith.

You agree to indemnify us and our nominees against, and to hold us and our nominees harmless from, all expenses (including
counsel fees), liabilities and claims arising out of the holding, delivery or transfer of the Sub-Deposit Accounts and compliance with any
legal process that we believe (correctly or otherwise) to be valid.

iii. Operation of the Program.
a. Accounts at Bank. You agree to establish an Account and Custodial Account with us and that we may establish a Sub-Deposit Account on your behalf at Bank. Please read the section titled “Your Relationship with Bank and the Program Banks” below.

b. Accounts at Program Banks. As your agent, we will open one or more Sub-Deposit Accounts on your behalf at
the Program Banks on the then-current Bank List and act as your custodian for the Sub-Deposit Accounts. At some Program Banks, we may
open a money market deposit account (“MMDA”) and a transaction account (“TA”); at other Program Banks, we may open a TA only. Each
MMDA and TA are considered a Sub-Deposit Account. The Sub-Deposit Account may not be transferred to another institution, except by us
or the Program Bank.

c. Program Bank List.

The Bank List of available Program Banks into which your funds may be deposited is available on our website at https://www.getevolved.com/openbanking/fdic-insured-sweep-program/ or by contacting us.

 

The Bank List may include one or more Program Banks that constitute Excess Banks; we may deposit your funds at an Excess Bank without limit and
without regard to Deposit Limit if funds sufficient to meet the Program Insurance Eligibility Limit have been placed at one or more Priority
Banks. If all of your funds are withdrawn from a Program Bank, the next time your funds are available for deposit in a Program Bank, your
funds may be deposited in a different Program Bank.

You may at any time, with reasonable advance notice to us at support@mymanapacific.com, designate a Program Bank as ineligible to receive your funds. In addition, you may at any time instruct Bank to remove your funds from a Program Bank, close your Sub- Deposit Accounts with the Program Bank and designate the Program Bank as ineligible to receive future deposits. Any funds from a closed Sub-Deposit Account will be deposited into Sub-Deposit Accounts at another Program Bank set forth on the Bank List, as amended by you, or if no other Program Bank is eligible, the funds will be deposited into your Account. For example, if you maintain other accounts at a Program Bank on the list separate from the Program, you may wish to designate this Program Bank as ineligible to avoid the aggregation of funds in your account(s) held directly with funds deposited through the Program as the combination of funds may exceed the amount of available FDIC insurance coverage at that Program Bank. If you designate all Program Banks as ineligible, we will return funds to your Account and may, in our discretion and in accordance with law, close your Account and any Sub-Deposit Account opened specifically for you.

d. FDIC Deposit Insurance.

We will place your funds at Priority Banks as your agent in a manner that enables up to $250,000 of your deposits or such other greater amount as may be disclosed to you by us from time to time to be eligible for FDIC insurance through the Program (such amount, the “Program Insurance Eligibility Limit”). From time to time, we may increase the amount of available FDIC insurance through the Program, and you will be notified of such an increase. Any other deposits you have at the Priority Banks outside of the Program may reduce FDIC insurance coverage of your deposits through the Program. Moreover, if you have designated one or more Priority Banks as ineligible to receive your funds, the amount of FDIC insurance for which your funds are eligible may be limited. The depositing of your funds into the Sub-Deposit Account may not increase your FDIC deposit insurance coverage, and may in fact reduce insurance coverage depending on any other deposits you may maintain at a Program Bank.

e. Changes to Bank List.

One or more of the Program Banks included on the Bank List may be replaced with a Program Bank not previously included on the Bank List or a Program Bank may be deleted from the Bank List. In addition, Program Banks designated as Priority Banks may be replaced with a Program Bank not previously designated as a Priority Bank or a Program Bank may be removed from the list of designated Priority Banks. We will notify you if the Bank List has changed in accordance with the section titled “Changes to the Program.” Continued use of your Account and/or the Program after receipt of the initial Bank List or notice of subsequent changes to such list will constitute your consent to such list.

An increase in the number of Priority Banks in the future may not increase the potential FDIC coverage available in the Program, and there can be no assurance that additional Priority Banks will be added or your FDIC insurance coverage will increase. A decrease in the number of Priority Banks in the future could decrease the potential FDIC coverage available in the Program. You agree that deposits and withdrawals of your funds made after a change to the Bank List will occur as described below under “Deposit Procedures” and “Withdrawal Procedures,” respectively.
If a Program Bank at which you have funds in a Sub-Deposit Account(s) no longer makes the Sub-Deposit Account(s) available through the Program, we may move funds to another Program Bank on the Bank List on or about the day that the Program Bank leaves the Program or return funds to your Account.

f. Deposit Procedures.

You agree that, as your agent, we may open one or more Sub-Deposit Accounts on your behalf at one or more of the Program Banks on the then current Bank List. If we open both an MMDA and a TA at a Program Bank, all deposits will be made into your MMDA and/or TA, subject to six (6) monthly withdrawal limits applicable to MMDA. You agree that, as your agent, we may place your funds at one or more Program Banks without limit and without regard to the Deposit Limit. You agree that we will place your funds based on each Program Bank’s available capacity or other criteria, including rates paid by Program Banks on Sub-Deposit Accounts or fees paid to us. Please see the section titled “Waiver of Conflicts” for additional
information. You understand and agree that deposit amounts in excess of the Deposit Limit at a Priority Bank and deposit amounts at an Excess Bank will not be insured by the FDIC.

Periodically, your previously deposited funds may be reallocated among the Program Banks on a revised Bank List based on each Program Bank’s available capacity or other criteria, including rates paid by Program Banks to us. You understand and agree that it is your obligation to monitor your funds deposited at all Program Banks. You may email Service Provider at any time at support@mymanapacific.com to determine your Sub-Deposit Account balances at each Program Bank.

g. Withdrawal Procedures.

You agree that all withdrawals will be made by us as your agent. Funds may be withdrawn from Program Banks based on a Program Bank’s available capacity or other criteria, including, but not limited to, rates or fees paid to Bank. Funds may also be withdrawn from Sub-Deposit Account to fund transactions associated with your Account.

If you have an MMDA and a TA at a given Program Bank, all withdrawals will be made from the TA. If funds in the TA at a Program Bank from which funds are being withdrawn are insufficient, funds in the related MMDA at that Program Bank will be transferred to the TA, plus funds to maintain any TA minimum, or “threshold,” amount.

At any point during a month in which transfers from an MMDA at a Program Bank have reached a total of six (6), all funds will be transferred from that MMDA to the linked TA at the Program Bank until the end of the month. Deposits for the remainder of the month into this Program Bank will be made to the TA. At the beginning of the next month, funds on deposit in the TA will be transferred to the MMDA, minus any threshold amount to be maintained in the TA. The limits on MMDA transfers will not limit the number of withdrawals you can make from funds on deposit at a Program Bank or the amount of FDIC insurance coverage for which you are eligible. Pursuant to federal banking regulations, the Program Banks may reserve the right to require seven (7) days’ prior written notice before you withdraw or transfer funds from an MMDA. The Program Banks have indicated that they have no present plans to exercise this right. TAs are not subject to this restriction.

h. Interest Rates Paid on Deposit Balances.

You will not be paid interest on your Sub-Deposit Accounts. Your Account is not an interest-bearing account and you will not be paid interest or any other form of income on your funds held in any Account or Sub-Deposit Account.]

i. Waiver of Conflicts.

You understand and agree that, as your agent, we may place any or all of your funds on deposit with us at one or more Program Banks in an amount determined in Bank’s sole discretion based on available capacity at the Program Bank or other criteria, including rates paid on deposits by the Program Bank or fees paid to Bank.

You understand and agree that Bank has no obligation to place funds into Program Banks to maximize the amount of deposit
insurance available on your funds or to maximize any interest rates that your funds may earn. Bank may place your funds without regard to
whether such funds may exceed the Deposit Limit at one or more Program Banks, even if your funds could be placed in one or more Program
Banks in an amount less than the Deposit Limit.

You understand and agree that the Program Banks may pay us fees to Bank and that we have no obligation to share these
fees with you. You understand and agree that we may financially benefit if we place your funds into a Program Bank in excess of the Deposit
Limit when that Program Bank pays a greater amount of fees to us than other Program Banks that could increase the deposit insurance available
to you. You further acknowledge and agree that each Program Bank may pay us a fee in connection with the placement of funds with the
Program Bank, including for each Sub-Deposit Account. The fee may vary between banks. Your Account is not an interest-bearing account
and you will not be paid interest or any other form of income on your funds held in any Account or Sub-Deposit Account. Even if we receive
a fee from a Program Bank, you are not entitled to interest on your Sub-Deposit Account. For the avoidance of doubt, you authorize us to
collect and retain all payments of income pertaining to the placement of your deposits at other Program Banks, including the Sub-Deposit
Accounts. You further acknowledge that we and Program Banks may also receive other financial benefits in connection with the funds in your
Sub-Deposit Account.

Our placement of funds in the Sub-Deposit Account may reflect considerations of federal and state law, our funding needs
and funding needs of Program Banks, general economic conditions or other factors determined by us in our sole discretion. We may place
funds to enhance our business objectives and for balance sheet management purposes without any benefit to you. Subject to applicable law,
your only rights with respect to the Sub-Deposit Account are to demand that we repay you all amounts in your Account that were deposited
with Bank and those transferred to the Sub-Deposit Account from your Account.

j. Information About Your Accounts.

Although there are two or more accounts associated with your funds (the Account and the Sub-Deposit Account), your Account is treated as a single account for our reporting deposits and withdrawals, as well as for balance requirement, service charge, and monthly statement (which will reflect the total balance in your Account and each Sub-Deposit Account, excluding any payments or amounts owed or belonging to us or any Program Bank). The funds you deposit with us in your Account (whether or not transferred to a Sub-Deposit Account) will be made available to you in accordance with this Agreement (and regardless of the performance of any of our loans or investments, subject to FDIC insurance limitations). The existence of the Sub-Deposit Account will not change the manner in which you use or obtain information about your Account. Transfers to and from your Sub-Deposit Account will not appear on your monthly statement. We are responsible for the accuracy of your Account statements, not the Program Banks. You will receive, from time to time, periodic information which will reflect the balances of your Sub-Deposit Accounts at each Program Bank for the applicable period.

iv. Your Relationship with Bank and the Program Banks.

We will act as your agent and custodian in establishing the Sub-Deposit Accounts at each Program Bank, depositing funds into the Sub-Deposit Accounts, withdrawing funds from the Sub-Deposit Accounts and transferring funds among the Sub-Deposit Accounts.
Sub-Deposit Account ownership will be evidenced by a book entry on the account records of each Program Bank (or by us on behalf of Program Bank) and by records maintained by us as your custodian. No evidence of ownership, such as a passbook or certificate will be issued to you. You may at any time obtain information about your Sub-Deposit Accounts by contacting Service Provider. You agree that all transactions with respect to your Sub-Deposit Accounts must be directed by us and all information concerning your Sub-Deposit Accounts must be obtained from Bank through Service Provider. You agree that the Program Banks have no obligation to accept instructions from you with respect to your Sub-Deposit Accounts or to provide you with information concerning your Sub-Deposit Accounts.

If you decide to terminate your participation in the Program, your termination will result in a return of funds in accordance with law and closing of your Account and any Sub-Deposit Account opened specifically for you. Each Sub-Deposit Account constitutes an obligation of a Program Bank and is not directly or indirectly our obligation. You can obtain publicly available financial information concerning each Program Bank at www.ffiec.gov/nicpubweb/nicweb/nichome.aspx, by contacting the FDIC Public Information Center by mail at:

L. William Seidman Center, Virginia Square, 3501 North Fairfax Drive, Arlington,
Virginia 22226, or by phone at 703-562-2200.

We do not guaranty in any way the financial condition of any Program Bank or the accuracy of any publicly available financial information concerning any Program Bank.

v. Fees.

You understand and agree that each Program Bank will pay us a fee in connection with the Program. The fee may
vary between banks. Even if Bank receives a fee from a Program Bank, you may not be entitled to interest on your Sub-Deposit Account.
Other than applicable fees deducted by us, you will not be charged fees or commissions in connection with your participation in the Program.
In addition, other service providers may receive fees from each Program Bank or Bank and may receive a portion of the fee paid to
us by the Program Banks.

vi. Changes to the Program.

You agree that we may modify the terms and conditions of the Program, including changing,
removing or adding Program Banks offered therein. All notices of material changes to the Program may be communicated by a posting on our
website, letter, a separate electronic or written communication, a note on a periodic statement or other means.

vii. Information about the FDIC.

Deposit Insurance: General. Your Sub-Deposit Accounts are insured by the FDIC, an independent agency of the U.S. Government,
up to $250,000 for all deposits held in the same insurable capacity as recognized by the FDIC at any one bank. According to the FDIC, no
depositor has ever lost a penny of FDIC-insured funds.

Your funds become eligible for FDIC insurance immediately upon placement into your Sub-Deposit Account at a Priority Bank.
Generally, any accounts or deposits that you maintain directly with a particular bank, or through any other intermediary, in the same insurable
capacity in which the accounts or deposits are maintained would be aggregated with the accounts or deposits for purposes of the $250,000
Deposit Limit.

You are responsible for monitoring the total amount of deposits that you hold with any one bank, directly or through an
intermediary, in order to determine the extent of FDIC insurance coverage available to you on your deposits. We are not responsible
for any insured or uninsured portion of any deposits.

In the event a Priority Bank fails, your Sub-Deposit Accounts at that Priority Bank is insured, up to $250,000, for amounts accrued
to the day the Priority Bank is closed.

Under certain circumstances, if you become the owner of deposits at a Program Bank because another depositor dies, beginning six
(6) months after the death of the depositor the FDIC will aggregate those deposits for purposes of the $250,000 Deposit Limit with any other
deposits that you own in the same insurable capacity at the bank. Examples of deposit accounts that may be subject to this FDIC policy include
joint accounts, “payable on death” accounts and certain trust accounts. The FDIC provides the six-month “grace period” to permit you to
restructure your deposits to obtain the maximum amount of deposit insurance for which you are eligible.

In the event that FDIC deposit insurance payments become necessary, payments of deposits will be made to us as your custodian.
There is no specific time period during which the FDIC must make insurance payments available. We will not be obligated to you for amounts
not covered by deposit insurance nor will we be obligated to make any payments to you in satisfaction of a loss you might incur as a result of
a delay in insurance payouts. We will not be obligated to credit your account with funds in advance of payments received from the FDIC.
Furthermore, you may be required to provide certain documentation to the FDIC before insurance payments are made. For example,
if you hold deposits as trustee for the benefit of trust participants, you may be required to furnish affidavits and provide indemnities regarding
an insurance payment.

If your balance in your Sub-Deposit Accounts are assumed by another depository institution pursuant to a merger or consolidation,
such deposits will continue to be insured separately, up to the FDIC insurance coverage limits and subject to the terms hereunder, from the
deposits that you might have established with the acquiring institution until (i) the maturity date of any time deposits (including certificates of
deposit) that were assumed, or (ii) with respect to deposits that are not time deposits, the expiration of a six (6) month period from the date of
acquisition. Thereafter, any assumed deposits will be aggregated with your existing deposits with the acquiring institution held in the same
capacity for purposes of FDIC insurance coverage. Any deposit opened at the acquiring institution after the acquisition will be aggregated
with deposits established with the acquiring institution for purposes of FDIC insurance coverage.

If you have questions about basic FDIC insurance coverage, please contact us. You may wish to seek advice from your own attorney
concerning FDIC insurance coverage of deposits held in more than one insurable capacity. You may also obtain information by contacting the
FDIC, Deposit Insurance Outreach, Division of Depositor and Consumer Protection, by letter (550 17th Street, N.W., Washington, D.C. 20429),
by phone (877-275-3342 or 800-925-4618 (TDD)), by visiting the FDIC website at: https://www.fdic.gov/deposit/index.html, or by email
using the FDIC’s Online Customer Assistance Form available on its website.

viii. Termination.

Your participation in the Program may be terminated without penalty at any time at the option of either you
or us. You may also opt-out of the Program at any time. Following opt-out or termination of your participation in the Program, we may, if
applicable, transfer your funds in the Sub-Deposit Accounts at Program Banks to your Account or, at our sole discretion, terminate your
Account and return your funds in accordance with applicable laws and regulations.

G. Interest and Interest Rate.

Your Account is not an interest-bearing account.

H. Prohibitions.

The Account and Card are/is only available for personal, family or household purposes and not for business purposes.
You are not entitled to open an Account or receive or access the Card under this Agreement if you are a corporation, unincorporated business
association, partnership, limited liability company, incorporated nonprofit organization, sole proprietorship or any other entity. We reserve the
right to close your Account and/or Card if we determine that it is used for any impermissible purpose, as we may determine from time to time.
You may not use your Account or Card for illegal gambling or any other illegal transaction or purpose. This prohibition includes any
transaction that is illegal in the jurisdiction where you live, in the jurisdiction where the transaction is consummated, or in any other jurisdiction
affected by the transaction.

 

You are responsible for determining the legality of each of your transactions in all applicable jurisdictions before
entering into the transaction. We have no obligation to monitor, review or evaluate the legality of any transaction. Nevertheless, we may deny
transactions or authorizations if we believe the transaction is or may be illegal. We reserve the right to refuse or return any item that we believe
is related to an illegal transaction, an Internet or online gambling transaction or a high-risk transaction. To the fullest extent permitted by law,
you agree to pay for any transaction that you authorized, even if the transaction is determined to be illegal or associated with an illegal activity.
We reserve the right to cancel, close or restrict use of the Card and Account, including by refusing the processing of any transaction, if we
believe you have violated this Agreement or any applicable law.

I. Account Fees; Fee Schedule.

You agree to pay all fees and charges applicable to your Account and Card, which will be automatically
deducted from your Account and may result in your Account being overdrawn. The amounts of these fees and charges are listed in our Fee
Schedule, attached as Exhibit 1 (“Fee Schedule”). Fees and our Fee Schedule are subject to change at any time and without notice to you, unless
required by law. Fees set forth in the Fee Schedule are charged by Bank for its services. Service Provider may charge you fees separate and
apart from the Fees set forth in the Fee Schedule for its Services, pursuant to the Service Provider Terms. Bank is not responsible for any fees
charged by Service Provider for its Services. If you request a service that is not included in the Fee Schedule and there is a fee for such
service, such fee will be disclosed at the time you request the service and you agree that any such fee may be deducted from your Account.

 

J. Negative Balance.

Each time you initiate a transaction using your Account, you authorize the Bank to reduce the funds available in
your Account by the amount of the transaction (and any reversals) and all associated fees. You are not allowed to exceed the available amount in
your Account through an individual transaction or a series of transactions (creating a “negative balance”). Nevertheless, if any transaction
causes the balance in your Account to go negative, including, but not limited to, 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.
We reserve the right to bill you for any negative balance or to recoup such negative balance from your Account or any other account you have
at the Bank. You agree to pay us promptly for the negative balance and any related fees. We also reserve the right to terminate your Account
or Card if you create one or more negative balances. If you fail to pay us amounts owed under this Agreement, we may refer your Account,
and collection of amounts owed, to a collection agency. You may also be liable for any related Insufficient Funds/NSF Fee(s) as set forth in
Exhibit 1.

K. Power of Attorney/Agents.

Subject to applicable law, we may allow you to give another person (known as an “attorney-in-fact”) power of attorney to act on your behalf for your Account; provided, we are not obligated to honor such power of attorney until you first obtain our written approval. Email us at support@mymanapacific.com for approval if you plan to create a power of attorney. Unless we approve of your power of attorney in writing, we are not required to honour orders and instructions concerning your Account by an attorney in fact for any Account owner, or by a personal representative, guardian, conservator, or custodian of an account owner. If we approve your appointment of an attorney in fact, we will honor orders and instructions from your attorney-in-fact until the earlier of (1) our receipt from you revoking such power of attorney and our written acknowledgement; (2) our receipt of notice that you or your attorney-in-fact have died or become incapacitated; or (3) our termination of the acceptance of the power of attorney. We have no duty to monitor or ensure that the acts of your attorney in fact are for your use or benefit or are otherwise permissible under applicable law. We will not be liable if your attorney in fact exceeds his or her powers or does not comply with your instructions or applicable law. We may terminate acceptance of a power of attorney at any time
and for any reason and without notice to you. You agree to hold us harmless from and against any actions we take based upon the instructions
of your attorney in fact or that your attorney in fact takes regarding your Account.

 

L. Death, Incapacity or Termination.

You agree to notify us immediately if an Account owner on your Account or if you, through a representative, dies or is declared legally incompetent. In the case of an individual Account, if we have reason to believe the Account owner has died or has been declared legally incompetent, we may place a hold on the Account to retain funds and refuse all transactions until we know and have verified the identity of the successor. Until we receive notice and any required proof of death or incapacitation, we may continue to accept deposits and process transactions to your Account. If you die while residing outside the United States, we may require a personal representative to be appointed by a court in a United States jurisdiction. Until we receive notice and any required proof of death or incompetence, we may act as if all owners are alive and competent. In the event we receive written notice from a personal representative, executor, administrator, conservator or guardian purporting to represent you or your estate, we shall be entitled to rely on all information supplied and representations made in such written notice to the full extent permitted by applicable law. If certain payments originating from government entities are deposited into your Account after your death, we may be required to return those payments to the originator upon notice. If we have any tax liability because of paying your balance to your estate, the estate will be responsible for repaying us the amount of that tax. If you owe us a debt at the time of your death, we are authorized to exercise our right of setoff (our right to apply funds in one account to the debt associated with another account) or security interest rights against the funds credited to your balance after your death. You agree to hold us harmless for any actions we take based on our belief that you have died or become incapacitated, or any notices of death or incapacitation that we receive.

M. Monitoring and Closing Your Account.

Subject to the terms herein, you can close your Account at any time and for any reason by
contacting us or terminating the Account through the Service Provider Platform, if applicable. We reserve the right to refuse your request to
close your Account if your Account is not in good standing or if you have a negative balance on your Account. If you intend to close your
Account, you should notify us through the Service Provider Platform. Simply reducing your Account balance to $0.00 is insufficient notice.
If you close your Account you are responsible for transactions you initiated or authorized, including those that we receive after the Account is
closed, subject to applicable law. Withdrawals from your Account may be restricted prior to Account closing.

We reserve the right to monitor all Account activity for inappropriate use. We may also suspend or close your Account or suspend or
terminate your Card at our discretion and for any reason with or without notice. This includes if we believe you are using your Account or
Card for fraudulent or illegal purposes or in violation of law or regulation, this Agreement, any other agreement you may have with us or
Service Provider, or if you otherwise present undue risk to us or Service Provider. We are not responsible to you for any damages you may
suffer as a result of the closure or suspension of your Account. Once we have closed your Account, you agree that we can assess any service
charge otherwise applicable against any remaining balance in your Account. We are not responsible to you for any damages you may suffer as
a result of your Account being closed. If you attempt to make a deposit to an Account we closed, we may collect the deposit and set-off your
indebtedness to us. The closure of your Account or termination of this Agreement does not impact any right or obligation that arose prior to
closure or termination, or any right or obligation that, by its nature, should survive termination (including, but not limited to, any
indemnification obligation by you, our limitations of liability, and any terms governing arbitration). If we close your Account, all collected
funds (less any amounts due to us or for debits in process) will be transferred to your Linked Account. Alternatively, we may, at our discretion,
mail you a check for the available balance in your Account. Written notice that the Account has been closed, to the extent required by law, and
a check, if any, will be sent to any email address, in the case of notice, and address, in the case of a check delivery, shown on our records for
you or the email address we have on file for the Account. We reserve the right not to return funds to you if your account balance is less than
$1.00.

N. Dormancy and Unclaimed Property.

State laws (called “escheat” or unclaimed property laws) require us to close your Account and transfer your money to the state if your
Account is dormant for a period of time as defined by your state of residence. State and federal law and our policy govern when your Account
is considered dormant. Your Account is usually considered dormant if you have not accessed your Account, communicated to us about your
Account or otherwise shown an interest in your Account within the period of time specified under applicable law. Each state has varying laws
as to when an account is subject to escheatment and we may be required to send the balance in your Account to the state of your last known
address or, if not in the U.S., the state in which we reside. We will make all reasonable efforts to contact you if required by applicable law before
transferring the remaining balance of your Account to the applicable state. After we surrender the funds to the state, we have no further liability
to you for those funds and you must apply to the appropriate state agency to reclaim your funds. You can avoid the transfer of your money to
the state simply by signing into your Account, transacting periodically, or contacting us, or replying to any abandoned property correspondence.
If your Account becomes dormant, you may no longer receive statements, but you can still view your accounts online.

VI. ARBITRATION AND WAIVERS.
THIS ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL DISPUTES BETWEEN YOU AND US ARE RESOLVED. PLEASE READ THIS SECTION VI (ARBITRATION AND WAIVERS) CAREFULLY.

​

For a dispute subject to arbitration, neither you nor we will have the right to:

(A) have a court or a jury decide the dispute;

(B) engage in information-
gathering (discovery) to the same extent as in court;

(C) participate in a class action in court or in class arbitration; or

(D) join or consolidate a
claim with claims of any other persons. Arbitration procedures are simpler and more limited than rules applicable in court.

A. Definitions.

If you have a dispute with us or our Service Provider, and we are not able to resolve the dispute informally, you and we
agree that upon demand by either you or us, the dispute will be resolved through the arbitration process as set forth in this section. A “claim”
or “dispute,” as used in this Section VI (Arbitration and Waivers), is any unresolved disagreement between you, us and/or our Service Provider,
arising from or relating in any way to the Account, Card or this Agreement. The terms “claim” and “dispute” are to be given the broadest
possible meaning that will be enforced and includes, by way of example and without limitation, any disagreement relating in any way to your
Account or Card, or the any additional account, joint accountholder, additional Cards or cardholders; services offered in connection with an
Account, Card or any other services offered pursuant to this Agreement; to your use of any of our banking products or services; to any means
you may use to access your Account(s); to any advertisements, promotions or oral or written statements related to the Account or Card; to the
benefits and services related to an Account or Card; or your approval, establishment or enrollment for an Account or Card. Claims also include
disagreements about the meaning, application or enforceability of this arbitration agreement. As solely used in this Section VI (Arbitration and
Waivers), “we” or “us” shall include the Bank, its affiliates and their successors, employees, directors, officers and agents. In addition,
“we”
or “us” shall include Service Provider, any third party, their respective subsidiaries, affiliates, licensees, predecessors, successors, and assigns
using or providing any product, service or benefit in connection with this Agreement or any Account or Card if, and only if, such third party is
named as a co-party with us (or files a claim with or against us) in connection with a claim asserted by you. The terms “you” or “yours” shall
mean each Account owner or cardholder and all persons or entities approved to have, approved to use and/or given access to an Account or
Card, including but not limited to all persons or entities contractually obligated under this Agreement and all joint accountholder
and any additional cardholders. The term “Account,
” for purposes of arbitration, includes any updated or substitute account for you related
to the Account or any other account contemplated by this Agreement.

B. Binding Arbitration and Appeals.

If either party elects arbitration, that claim shall be arbitrated on an individual basis. Arbitration applies
whenever there is a claim between you and us. The arbitrator’s authority to resolve claims or make awards is limited to claims between you and
us alone. If a third party is also involved in a claim between you and us, then the claim will be decided with respect to the third party in
arbitration as well, and it must be named as a party in accordance with the rules of procedure governing the arbitration. No award or relief will
be granted by the arbitrator except on behalf of, or against, a named party. Furthermore, claims brought by you against us or by us against
you may not be joined or consolidated with claims brought by or against someone other than you, unless otherwise agreed to in writing by
all parties. Claims are subject to arbitration, regardless of on what theory they are based, whether they seek legal or equitable remedies, or
whether they are common law or statutory (Federal or state) claims. Arbitration applies to any and all such claims or disputes, whether they
arose in the past, may currently exist, or may arise in the future.

Judgment upon the arbitrator’s award may be entered by any court having jurisdiction. The arbitrator’s decision is final and binding,
except for any right of appeal provided by the Federal Arbitration Act (Title 9 of the United States Code) (“FAA”). However, if the amount of
the claim exceeds $25,000 or involves a request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either
party exceeding $25,000, any party can, within thirty (30) days after the entry of the award by the arbitrator, appeal the award to a three-
arbitrator panel administered by the forum. The panel shall reconsider anew all factual and legal issues, following the same rules of procedure
and decide by majority vote. Reference in this Section VI (Arbitration and Waivers) to “the arbitrator” shall mean the panel if an appeal of the
arbitrator’s decision has been taken.

C. Initiation of Arbitration.

Any claim must be resolved, upon the election by you or us, by arbitration pursuant to this Section VI
(Arbitration and Waivers) and the code of procedures of the national arbitration organization to which the claim is referred in effect at the time
the claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services (“JAMS”) or the American Arbitration
Association (“AAA”), as selected by the party electing to use arbitration. For a copy of the procedures, to file a claim or for other information
about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at
www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.
In the event that JAMS or the AAA is unable to handle the dispute for any reason, then the matter shall be arbitrated instead by a
neutral arbitrator selected by agreement of the parties pursuant to the AAA rules of procedure; or, if the parties cannot agree, selected by a
court in accordance with the FAA. To the extent that there is any variance between the selected forum’s rules and this Section VI (Arbitration
and Waivers), this Section VI (Arbitration and Waivers) shall control.
If you initiate the arbitration, you must notify us in writing at 2510 Mill Ave S, Renton, WA 98055. If we initiate the arbitration, we
will notify you in writing at your last known address in our file.

D. Class Action and Jury Waiver.

NEITHER YOU NOR WE (I) HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR
HAVE A JURY TRIAL ON THAT CLAIM, (II) SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES BY OR AGAINST
OTHERS IN ANY COURT ACTION OR ARBITRATION, (III) HAVE THE RIGHT TO INCLUDE IN ANY COURT ACTION OR
ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY
CLAIM SUBJECT TO ARBITRATION, (IV) HAVE THE RIGHT TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE
GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY, UNLESS THOSE PERSONS ARE BENEFICIARIES ON
YOUR ACCOUNT; OR (V) ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR
AAA, AS APPLICABLE (THE “CODE”). THIS IS SO WHETHER OR NOT THE CLAIM HAS BEEN ASSIGNED. NOTE THAT OTHER
RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY NOT BE AVAILABLE IN ARBITRATION.

E. Location of Arbitration and Cost.

Any arbitration shall take place in Memphis, Tennessee, unless the parties agree to a different
location in writing. The party initiating the arbitration (or appeal of the first arbitration award) shall pay the initial filing fee. If you file the
arbitration and an award is rendered in your favor, we will reimburse you for your filing fee. All fees and costs will be allocated in accordance
with the rules of the arbitration forum. Each party shall bear the expense of their respective attorneys, experts, and witnesses and other expenses,
regardless of who prevails, but the arbitrator will have the authority to award attorneys and expert witness fees and costs to the extent permitted
by this Agreement, the forum’s rules, or applicable law.

F. Arbitration Procedures:

This Section VI (Arbitration and Waivers) is made pursuant to a transaction involving interstate
commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration
shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Section shall control if it is
inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes
of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written
explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules
of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under
the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator
with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice. The granting or
denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of
the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters.
Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final
and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel
administered by the same arbitration organization, as set forth in Section VI (B) (Arbitration and Waivers).

G. Governing Law.

You and we agree that in our relationship arising from this Agreement: (1) the parties are participating in
transactions involving interstate commerce; (2) the arbitrator shall decide any dispute regarding the enforceability of this arbitration agreement;
and (3) this arbitration agreement and any resulting arbitration are governed by the provisions of the FAA, and, to the extent any provision of
that act is inapplicable, the laws of the State of Tennessee. The arbitrator must apply applicable substantive law consistent with the FAA and
applicable statutes of limitations and claims of privilege recognized at law. At the timely request of either party, the arbitrator must provide a
brief written explanation of the basis for the award.

H. Continuation and Severability.

This Section VI (Arbitration and Waivers) shall survive termination of your Account, Card, any
voluntary payment of any debt owed to us and paid in full by you, any legal proceeding by us to collect a debt owed by you, and/or any
bankruptcy by you or us. If any portion of this Section VI (Arbitration and Waivers) of this Arbitration Section is deemed invalid or
unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this
Section VI (Arbitration and Waivers), this Agreement or any prior agreement you may have had with us, each of which shall be enforceable
regardless of such invalidity.