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Boxypay Terms and Conditions

Consumer fraud alert:

Do not send money to strangers over the internet. Never share your username and password with anyone. Immediately notify the Payrion Inc team in the event your account gets compromised, username or password gets stolen, or if someone used your account without your permission. BoxyPay money transfer service is provided by Payrion Inc. Payrion Inc will periodically update its terms and conditions to reflect policy and legal changes without any prior notice to you. Unless otherwise specified, those changes will immediately take effect and shall become part of this agreement and be binding on you beginning on the day they are posted. We will make sure to inform you of any new terms and condition that may be added or amended in the future. By continuing to access or use Payrion Inc services, you will be deemed to have agreed to accept and be bound by any modifications to this Agreement.

1. General Provisions:

1.1 By signing up for, accessing or using the products, services, content, features, technologies or functions offered through our website (www.boxypay.com) ("Website"), iOS and Android applications ("Mobile Applications"), and our network of third-party partners (the "Network") (collectively, our "Services"), you agree to our Terms & Conditions and our Privacy Policy. Please do not use our Services if you do not agree to be bound by these terms. In that case, you must exit the Website, delete the Mobile Application from your device and not access our Services through any other platform or medium.
1.2 The Terms and Conditions listed below govern the access and use of our website and mobile phone application that enable you to transfer money.
1.3 In the present Terms and Conditions the terms “we”, “us”, “our” refer to Payrion Inc and “you”, “your” refer to any person who accesses and/or uses the Service, whether in their capacity as Senders, Recipients, or visitors to this website.
1.4 The Terms and Conditions may change from time to time, but changes will only be effective from the date they are made and will not change the terms on which you previously used the Service.
1.5 This service was set up for our customers to send money to friends family. You can not send transfer on behalf of a third party.1.6 It is important that you understand that access and use of our service is conditional on your acceptance of present Terms and Conditions.

2. Definitions:

When we say "you," "Customer," "Sender" and "User" we are referring to the individual that has registered to use Payrion Inc's Services and is giving consent to the terms outlined in this section.When we say "us," "we," and "Company" and "Payrion Inc" we are referring to Payrion Inc and any of our subsidiaries or affiliates.When we say "Money Transfer" or "Remittance" we are referring to the transmission of funds to a designated beneficiary.When we say "Beneficiary" we are referring to the individual designated by you as the recipient of the Transaction.When we say "Network Partners" we are referring to entities such as retailers, financial institutions, paying agents, etc., appointed by or working with us, to process and pay out Transactions in the destination country identified in your payment instructions.When we say "Transaction" we are referring to a Money Transfer sent using our Services, including without limitation the specific instruction or order you submitted to send a Money Transfer to a Beneficiary through the Service and the acceptance of such Money Transfer by such Beneficiary in the receiving country.When we say "Transfer Fee" we are referring to the fee we charge in connection with a Transaction.When we say "Sending Amount" or "Transaction Amount" we are referring to the amount in US dollars that you provide to us for transmittal to the Beneficiary.When we say "Receiving Amount" we are referring to the amount paid out to the Beneficiary, excluding any fees, taxes or charges that may be levied under the laws of the recipient country or collected on the remittance transfer by a third party.When we say "Cash" we are referring to dollars in lawful currency of the United States.When we say “Payment account” we are referring to your US bank account, BoxyPay balance. The US bank account must be issued or held in your name by a U.S. depository institution.

3. Confidentiality and Privacy:

3.1 As a fully regulated institution and with a purpose of providing the Service we are bound by the legal requirements to obtain, verify and record information about our customers. Therefore we may request from you or consult any legal sources to obtain your personal data when offering the Service to you.
3.2 Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.
3.3 We may disclose customer information if we are required to do so by law, by court order, by any statutory, legal or regulatory requirement, by the police or any other competent authorities in connection with the prevention or detection of crime or to help combat fraud, money laundering and terrorism financing. We may also report suspicious activity to appropriate competent law enforcement or government authorities.
3.4 For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy that can be found at PRIVACY POLICY

4. Cancellation and Refund Policy:

4.1 If you have any problems using our online and mobile services or need to dispute a transaction, please contact us via phone +1 (470) 800-7361 or via our email [email protected]
4.2 You are eligible for a full refund if you cancel a transaction within 30 minutes provided the money hasn't been deposited in the beneficiary’s account or picked up by the beneficiary.
4.3 If your request for a refund is for a transaction greater than 30 minutes, you are entitled to a full refund within ten (10) business days unless one of the below occurs:i. Payrion Inc or its agents have a reason to believe unlawful or criminal activities has occurred, may occur , or is occurring. At this point, we will report all undetected criminal activities to the appropriate U.S. government agencyii. Monies already transferred and deposited to recipient’s account prior to the receipt of your refund requestiii. Payrion Inc is otherwise prevented by law from making a refund.iv. Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund.You can cancel transactions on our website or mobile app. We will credit all refunds to the same payment instrument used to fund the transaction and in the same currency. No exceptions. We will not make any currency adjustment for any currency fluctuations made during the refund process. Also note that the recipient’s bank may deduct bank fees or foreign taxes. This is out of the control and jurisdiction of Payrion Inc.
4.4 You have a right to dispute errors in your transaction. If you think there is an error, contact us within 60 minutes and provide your name, contact information, the recipient's name, recipient’s bank account, date of transfer, as well as why you believe there has been an error. Payrion Inc will determine whether an error occurred and will reply to you within 90 days. If Payrion Inc was at fault, you will be entitled to a full refund or to have the transfer resent free of charge. If no error occurred or Payrion Inc was not at fault, you will receive a written notice including the information that Payrion Inc relied on to make that determination.Generally, because your designated recipient is paid immediately upon processing your remittance transaction, cancellation of that remittance transaction and/or a refund of a previously requested Remittance Payment will not be processed and Payrion Inc is under no obligation to honor such a request. If, for some unforeseen reason, your designated recipient was not paid, you can contact us and cancel for a full refund within 30 minutes of payment.Payrion Inc shall not be liable to you for any loss resulting from Payrion Inc's inability to cancel or refund a Remittance Payment.

5. Eligibility and your access rights:

5.1 By using the Service you warrant that you are at least 18 years old and that you have a legal capacity to enter into legally binding contracts.
5.2 We reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if (but not limited to):

  • You use the Service or attempt to use it for any Prohibited Purpose;
  • You attempt to transfer or charge funds from an account that does not belong to you;
  • We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;
  • You have provided us with false evidence of your identity or you keep failing in providing us with true, accurate, current and complete evidence of your identity or details regarding transactions;
  • You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Website and/or the Application or to infect it with any Malicious Code;
  • You are in breach of these Terms and Conditions;
  • We have reason to believe that any of the foregoing has occurred or is likely to occur; or
  • if the dollar value of one or more of your remittance payment requests exceed any transfer limits established by Payrion Inc
  • if Payrion Inc is unable to charge your Payment Account for the amount of the requested remittance payment and related fees
  • if Payrion Inc is unable to confirm your identity or verify any registration or Beneficiary information, including the identity of the Beneficiary
  • A Compliance Officer has taken a discretionary decision to do so.

6. What you need to know about our services:

6.1 Our service is limited to noncommercial person-to-person Transactions. We do not allow commercial transactions. Please do not use our service to send money to strangers.
6.2 You must also be a resident of the United States of America and reside in any of the States in which our Services are available, to use our Services as a Sender
6.3 To help the government fight the funding of terrorism and money laundering activities, we will obtain, verify, and record certain information about you when you create a BoxyPay account.
6.4 To create an account, we will ask for your first and last name, address, mobile number and other information that will enable us to identify you. We may also ask to see your driver's license or other identifying documents.
6.5 As part of accepting your order to process and payout a Money Transfer, we will also require you to provide certain information about the Beneficiary, including without limitation the following: full legal name and city.
6.6 You agree to pay Payrion Inc a service fee (the "Service Fee") for each transaction submitted for processing by you, plus any additional charges that may apply to the Transaction, plus the amount of money to be sent to the person receiving the funds ("Beneficiary").
6.7 The exchange rate that will be applied to your transfer and the total Receiving Amount will be also displayed for your confirmation and approval (on our website or through the applicable Mobile Application) before you fund your Transaction. The exchange rate displayed on the Website or the Mobile Application and confirmed by you is only guaranteed for a limited time. If a Transaction is funded outside this time period, the rate may change, in which case you will have to confirm a new applicable exchange rate. For each funded Transaction, the exchange rate and Receiving Amount that you confirm and approve will be maintained for that specific transaction, regardless of the specific day on which the funds are picked up or available for the Beneficiary.Pending acquisition of our multi state license, our services are only available to residents of Alabama, Georgia, New Mexico and South Carolina. By using our service, you agree that you are resident of one of these states.
6.8 Payrion Inc periodically offers free bonus in form of credit to make calls.Such credit must be utilized within 2 weeks of issuance.

7. Information we provide before transaction is complete:

Before your transaction is complete you will be provided with the following information:

  • The payout amount the beneficiary will receive,
  • The maximum total Fee that you will be charged,
  • An indication of the exchange rate that we will apply to your transaction,
  • The location and documentation needed from the Recipient in order to collect the money (in case of cash collection),
  • An estimation of time it will take for the funds to be made available to the recipient.

8. Information provided after we process a transaction

After we process your transaction to the Recipient an email will be sent to you with the following information:

  • A confirmation of the exact amount we are sending to the Recipient on your behalf in both pay in and payout currencies,
  • A confirmation of the Fee that has been charged,
  • An exchange rate applied to your transaction,
  • A confirmation of the bank to which the money has been sent (in case of bank deposit option),
  • An estimated time when the money will be available to the Recipient.

9. Fees and Charges:

9.1 You agree to pay Payrion Inc. a service fee (the "Service Fee") for each transaction submitted for processing by you, plus any additional charges that may apply to the Transaction, plus the amount of money to be sent to the person receiving the funds ("Beneficiary").
9.2 In the event that you submit a transaction for which Payrion Inc incurs NSF(Non-Sufficient Funds) charges, or other similar expenses, you agree to reimburse Payrion Inc for all and any such fees, charges and expenses. Each occurrence of an NSF will result in a $10.00 (USD) NSF Fee. Fees due to us can be collected when incurred, or may be deducted from the principal amount of your next or future transaction. Payrion Inc reserves the right to collect NSF Fees from any of the Payment Instruments (which may include one or more bank account, debit card) that you have linked to your BoxyPay account, in accordance with this Agreement

10. Reliance by Payrion Inc:

You represent and warrant that all information that you enter regarding the Remittance is true and complete. When processing a Remittance, Payrion Inc may rely on the registration information and any other information that you provide. You acknowledge that any errors in the information, including misidentification of the Beneficiary, incorrect or inconsistent account names and numbers, or misspellings, are your responsibility and that Payrion Inc shall have no liability for executing a Remittance based upon the inaccurate or incomplete information you provided or entered.

11. Intellectual Property

This Site, including all text, graphics, logos and image, as well as all other Payrion Inc copyrights, trademarks, service marks, products and service names are the exclusive property of Payrion Inc and may not be used for any purpose without express written permission from Payrion Inc.

12. Compliance:

Payrion Inc has zero tolerance for any criminal, fraudulent, money laundering, and the funding of terrorist activities. We will report anyone suspected of financial crimes to the appropriate US authorities. Please restrict the use of Payrion Inc money transfer services to only people you know. This includes friends and families. Payrion Inc reserves the right to suspend your account if we discover you are sending money on behalf of someone or to an unknown beneficiary.

13. Returns due to sender mistake:

If Payrion Inc is unable to complete disbursement of the Remittance Payment to the Beneficiary because you provided incorrect information about the Beneficiary, such as an incorrect bank account, an incorrect or misspelled name, an incorrect or misspelled address, the wrong bank or bank account or any other misinformation, you will be liable for any costs, fees, expenses and losses that Payrion Inc incurs in returning the Remittance Payment to you, such as processing costs, losses arising due to exchange rate fluctuations, service charges and exchange commission.

14. Limitation of Liability:

YOU AGREE THAT Payrion Inc, NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF Payrion Inc HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE OR ANY OTHER MATTER RELATING TO THE INSTANT VERIFICATION SERVICE.

15. Error Resolution Timeframes:

In Case of Errors or Questions About Your Electronic Transfers: Contact us by sending a support message via the web or mobile application if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the error or problem appeared.

Your inquiry must include: Your name and account number; AND a description of the error or the transfer you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; AND the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your inquiry in writing within ten (10) business days. We will investigate your inquiry and will correct any error promptly. We will tell you the results of our investigation within ten (10) business days [twenty (20) business days for claims on accounts open less than thirty (30) calendar days] after we hear from you; however, we may take up to forty-five (45) calendar days [ninety (90) calendar days for claims on accounts open less than thirty (30) calendar days, foreign-initiated transaction claims, and point-of-sale transaction claims] to investigate your questions. If we need additional time to investigate, we will provisionally re-credit your account within ten (10) business days [twenty (20) business days for claims on accounts open less than thirty (30) calendar days] for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your inquiry in writing, and do not receive your written inquiry within ten (10) business days, we may choose not to provisionally re-credit your account. If we find that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used.

16. Funds Transfer Limit:

Each account is subject to daily, monthly and six month rolling limits. A new account cannot exceed $200 a day. After review and approval, daily transfer limit can be increased to no more than $1999 per day. Monthly and six month rolling limit are subject to management approval. We reserve the right to periodically monitor account usage and decrease limits as we deem necessary.

17. Electronic fund transfer disclosure statement:

The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your account.

A. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website or mobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account.

B. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN or Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.

18. Periodic transaction statement:

We will send out periodic monthly statement at the end of via email.

19. Void where Prohibited:

Not all Services are available to all persons or in all States. We reserve the right to limit, at our sole discretion, the provision of any such Services to any person or in any location. Any offer of a Service in these Terms & Conditions shall be deemed void where prohibited.

20. Indemnification:

You agree to indemnify Boxypay and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these terms, and/or your infringement of any intellectual property or other right of anyone.

21. Disclaimer of warranties:

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OF WARRANTY. Boxypay EXPRESSLY DISCLAIM ALL WARRANTIES WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

22. Communication:

You agree that the following categories of information may be provided to you and received by you via this Site: (i) this Agreement and any amendments, modifications or supplements to it; (ii) any initial, periodic or other disclosures or notices provided in connection with the Services made available through this Site, including without limitation those required by federal or state law; (iii) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Services; (iv) any other communication related to the Services made available through this Site or BoxypayApplicable laws and regulations require that some of the information we send to you or communications between you and us should be in writing. You agree to receive such written communications electronically. You also agree that electronic means of communication shall be effective for the purpose of the Contract between you and us.

23. Elder Abuse:

Together we can prevent abuse of the elderly. Recognize the signs of Elder Abuse. What is Elder Financial Abuse? Financial abuse is the theft or embezzlement of money or any other property from the elderly. Acts such as stealing (money, social security checks, and possessions) from the elderly or other forms of coercion constitute financial abuse. If you suspect elder abuse, contact info for all states is www.ncea.aoa.gov.

24. Anti-money Laundering

Money laundering is the attempt to conceal or disguise the nature, location, source, ownership, or control of money. The federal government, using the Bank Secrecy Act and the Money Laundering Control Act, has written strict laws and regulations to help prevent money laundering activities. Boxypay has a comprehensive compliance program within its organization to ensure compliance with government rules and regulations. We do not want Boxypay services to be used in illegal money laundering activities. It is our policy that we follow both the letter and the spirit of the law and the regulations.

25. Licensing

States we currently serve
State of Georgia. Type: MSB
Our services currently only allows registered residents of states listed above to send money. We utilize IP geolocation tracking to ensure that you currently in the state we service during your send money process. Please ensure you not using a VPN when utilizing our service other wise your IP cannot be tracked successfully.

26. Our Partner, FFIBI, Terms and Conditions

BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.


Business Days

Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

Cellular Phone Contact Policy

By providing us with a telephone number for a cellular phone or another wireless device, including a number that you later connect to a cellular device, you are expressly consenting to receive communications-including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us, First Finance International Bank Inc (FFIBI) our affiliates, FFIBI’s affiliates, our agents, and FFIBI’s agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. You may open your Account at the FFIBI Website (the “Website”) by visiting www.firstfinancebank.com or www.ffibi.com. The Individual Account is not designed for business use, and we may close your Account if we determine it is being used for business purposes. We reserve the right to refuse to process any transaction(s) that we believe may violate the terms of this Agreement. By providing a written or electronic signature on a signature card or opening, or continuing to hold an account with us, you agree to the most recent version of this Agreement, which is available to you at www.firstfinancebank.com, or by calling us at the number listed on the last page of this Agreement.

FFIBI Individual Account Agreement Who is Eligible for an Individual Account

An FFIBI Individual Account is available to citizens or legal permanent residents in one of the supported countries by FFIBI (List available of restricted countries at https://www.firstfinancebank.com/restricted-countries); who are at least 18 years of age with a valid Governmental ID; and who provide us with a valid residential address (not a P.O. Box). You must agree to accept electronic, rather than paper statements- this means; (i) you must keep us supplied with your valid email address; and (ii) you must agree to accept electronic delivery of all account communications (such as end-of-year tax forms and electronic statements). We may use information from third parties to help us determine if we should open your Individual Account.

Open an Account

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents like a passport.

The FFIBI Account

The FFIBI Account is the name of our Designated Individual Bank Account offered to our customers and/or affiliate partners. The Account is a personal, checkless account. You may not issue paper checks with the Deposit Account. Members have the option to open a linked Savings Account (“Savings” or “Savings Account”) which is a Non-bearing savings account. Separate terms and conditions apply to the Savings Account: see www.firstfinancebank.com for additional information.

Account Titling and Ownership

The FFIBI Account may only be owned and titled in the name of one person who may deposit, transfer, or withdraw funds. The Account cannot be owned or titled jointly, by an organization, as Payable on Death (“POD”) or “In Trust For” (“ITF”).

Death or Incapacitation

You or your appointed party, designee, or appointed individual to agree to notify us promptly if you die or become legally incapacitated. We will continue to accept deposits and process transaction instructions into and from your Account until we are: (a) notified of your death or adjudication of incompetency and (b) have a reasonable opportunity to act. You agree that even if we have knowledge of your death we may pay or process transactions on your Account on or before the date of death for up to ten (10) days after that date unless ordered to stop the payment by someone claiming an interest in your Account. We may require additional documentation to confirm any claims made on the Account. Power of Attorney
You may give another person authority to make transactions on your Account by giving power of attorney to another individual. The account owner and person executing power of attorney over a account are known as the “Principal.” The person granted Power of Attorney for the Principal is known as the “Agent.” We may refuse to accept a power of attorney for reasonable cause, and we may require the Agent to sign an affidavit stating that the power of attorney presented to us is a true copy and that, to the best of the Agent’s knowledge, the Principal continues to be alive and competent and that the relevant powers of the Agent have not been amended or terminated. The Principal is responsible to provide us with any information if an affidavit presented to us is untrue or misleading or if the Agent exceeds the authority granted by the Principal in the power of attorney. The Agent is required to notify us in writing if the Principal dies or is declared incompetent. The power of attorney will continue in force until a) we receive written revocation from the Principal; b) we receive written notification of the Principal’s death or c) we receive written notification of the death or incapacity of the Agent.

Our Relationship with You

This Agreement and the deposit relationship do not create a fiduciary relationship.

Privacy Policy

Our Privacy Policy/Notice(s) are available at https://www.firstfinancebank.com/privacy-policy and are considered part of this Agreement.

General Rules Governing Accounts

The FFIBI Account and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the FFIBI Account is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of Puerto Rico except to the extent governed by federal law.

Deposits to the Account

Make deposits to your Account using any of these methods:

Direct deposits or ACH Transfers initiated from an outside financial institution - No limit to the number of times per calendar day - No maximum dollar limits

Deposits using an external debit card* (no gift cards or credit cards) from an outside financial institution - Minimum of $25.00; maximum of $500.00 per calendar day - Maximum of $2,500.00 per calendar Month

Cash Loads Deposit** - Available within two (2) hours after loading - 3 per day, Max $1,000.00 per load; Max $1,000.00 per day; Max $3,000.00 per calendar month

*DIRECT DEPOSITS OR CREDITS USING A DEBIT CARD FROM AN OUTSIDE FINANCIAL INSTITUTION: The recipient’s name on any such deposits we receive must match the name of the Account holder. Any such deposits received in a name other than the name registered to the Account will be returned to the originator. Deposits using an external debit card from an outside financial institution will be available within minutes of a successful transaction. ** THIRD PARTY MONEY TRANSFER services used to load funds to your Account may impose their own fees, per transaction, daily, weekly or monthly limits on the frequency or amount of cash you may load to the Account.

The above may be unavailable or delayed from time to time due to risk-based restrictions, scheduled maintenance, changes to our services, unforeseen circumstances, or outages. First Finance International Bank Inc. will give you reasonable notice if your access to feature changes or is no longer available to you.

No Cash, Paper Checks or Foreign Currency

We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not received by us.

Cash – We do not accept deposits made in cash. If you mail a cash deposit, the cash will be sent back to the address we have for you on file. Cash deposits has to be made through accredited locations and third parties’ offering cash deposit services to First Finance International Bank Inc.

Paper Checks – Personal checks, cashier’s checks, and money orders may not be deposited by mail. All checks and money orders sent to us for deposit will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be deposited to the Account at our discretion. Foreign Currency – We do not accept deposits in foreign currency. Any deposits received in foreign currency, cash or check; will be sent back to the address we have for you on file.

Problems That Could Occur with Deposits

Overpayments and Reversals. If funds are deposited or transferred into your Account by mistake or otherwise, we may correct the situation by deducting the amount of the deposit from your Account without prior notice to you. If there are not enough funds in your Account at that time, your Account could become overdrawn.See the “No Overdrafts” and “Right to Set Off” sections below for more information about what could occur if your Account has a negative balance.

No Overdrafts

You are not permitted to overdraw your Account. If the available balance in your Account is not sufficient to cover any payment or withdrawal you have authorized, we will refuse to process the payment or withdrawal. If your Account balance becomes negative for any reason, you must make a deposit immediately to cover the negative balance. If your Account has a negative balance for an extended period of time and you have another account with us, we reserve the right to exercise our right to set off. See the “Right to Set Off” section below for details. If your Account has a negative balance for ninety (90) calendar days or more it will be closed. FFIBI reserves the right to close your Account and any other FFIBI Account(s) you have opened if you overdraw your Account in violation of these.

Right to Set Off

If your Account balance becomes and remains negative for fifteen (15) days, we can use the funds in any of your accounts to repay the amount owed on the negative balance Account. This means we have the right to set-off any liability, direct or contingent, past, present or future that you owe against any account you have with us. Further, you grant us a lien on and security interest in the funds on deposit in each of your account(s) as security for all of your liabilities and obligations to us, now or in the future. We will notify you if we have exercised our right to set off.

Legal Processes Affecting Accounts

If legal action such as a garnishment, levy, or another state or a federal investigation or legal process (“Legal Process”) is brought against your Account, we may refuse to permit (or may limit) withdrawals, transfers, closures, or refunds from your Account until the Legal Process is satisfied or dismissed. Regardless of the terms of such Legal Process, we have first claim to any and all funds in your Account. We will not contest on your behalf any such Legal Process and may take action to comply with such Legal Process as we determine to be appropriate in the circumstances without liability to you, even if any funds we may be required to pay out leaves insufficient funds to pay a transaction that you have authorized. Payment is made after satisfying any fees, charges or other debts owed to us. You agree that you are responsible for any expenses, including legal expenses and fees we incur due to any Legal Process on your Account. We may charge these expenses to your Account. You will indemnify us for any losses if we do this.

Account Holds, Suspensions, and Closures

FFIBI may suspend, freeze, or close your Account for any reason with or without notice. Such reasons include, but are not limited to: - If we, at any time, believe a customer is using the Account Prepaid or Debit Card for fraudulent or illegal purposes, or such member otherwise presents an undue risk to FFIBI as determined in our sole discretion. - If you use conflicts with any federal, state or local law, rule or regulation, including federal foreign asset control and sanction rules and anti-money-laundering rules, or with our policies adopted to assure that we comply with those laws, rules or regulations. - If we receive a court order or other Legal Request to suspend or close your account. - If your non-fraudulent actions nonetheless violate any part of the Account Agreement. - If our monitoring of your Account detects any such activity, the Account funds will be subject to hold pending review of the activity by FFIBI. FFIBI may require you and other parties to the activity to produce documents and/or other materials evidencing the validity of the activity. Funds on deposit in any Account are subject to hold at the FFIBI’s discretion until the source of such funds and/or the activity is properly verified.

Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on ww.firstfinancebank.com, and any such amendment shall be effective upon such posting to that Website. The current Agreement is available at www.firstfinancebank.com. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such a change without prior notice. We may cancel or suspend your Account or this Agreement at any time.

You may cancel this Agreement by calling 1 (888) 363-1895 to close your Account. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination

.

If your Account is canceled, closed, or terminated for any reason, you may be eligible to receive the unused balance, which will be returned to you via check sent to the mailing address we have in our records. For security purposes, you may be required to supply identification and address verification documentation prior to issuing a refund check. Allow fourteen (14) days for processing and mailing. Your check will be mailed to you to the address on file after it is processed. In the event the program is canceled, closed, or terminated, we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Account balance, will be in the notice. We reserve the right to refuse to return any unused balance amount less than $1.00.

Account Dormancy and Escheatment

An account that is inactive for a period of time may be considered dormant and is subject to escheatment. 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 if you are residing in the United States of America. We will make all reasonable efforts to contact you before transferring the remaining balance of your Account to the applicable state. For an Account with an international address, the funds will be transferred to Puerto Rico.

Statements

Electronic statements are available to view and print at firstfinancebank.com. Account statements are considered to be correct. Carefully review your statements each statement period and notify us of any errors within sixty (60) days of your statement becoming available. You also have a right to obtain a sixty (60) day history of your Account transactions by calling us at 1 (888) 363-1895, sending us an email at [email protected], or by writing to us at FFIBI Customers Service, 252 Avenue Ponce de Leon, San Juan, 00918 Puerto Rico. You will not automatically receive paper statements.

Special Rules for New Accounts

Accounts open less than thirty (30) days or Accounts with a UPI® Prepaid or Debit Card that has not been activated with a minimal deposit of $50.00 will be limited in functionality.

The FFIBI UPI® Prepaid or Debit Card

You will receive a UPI® Prepaid or Debit Card (“the Card”) with your Account. You acknowledge and agree that the funds accessible through the use of the Card are limited to the available funds in your Account. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of the Card. The Card is the property of the Issuer and must be surrendered upon demand. The Card is non-transferable and may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law.

Activate the Card

You must activate the card before it can be used. To activate your card, you need to follow the instruction available in the letter provided with the card. You may activate it online at ffibi.com.

Personal Identification Number

You will not receive a Personal Identification Number (“PIN”) with the Card. However, you will be prompted to select a PIN when you activate it. See the activation instructions in the “Activate the Card” section. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately.

Authorized Card or Account Users

You are responsible for all authorized transactions initiated and fees incurred by use of the Card or Account. If you permit another person to have access to your Card, Card number(s), Account number(s), or PIN, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of your Account according to the terms and conditions of this Agreement.

Secondary Cardholder

You may request an additional Card for another person

Your Representations and Warranties

By activating the Card or by retaining, using, or authorizing the use of the Card provided with the Account, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a country where the majority age is older); (ii) you have provided us with a verifiable address (not a P.O. Box); (iii) the personal information that you provide to us in connection with the Account is true, correct and complete; (iv) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (v) you accept the Card.

Cash Access and Transaction Limitations

With your PIN, you may use the Card to obtain cash from your Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the UPI®, or NYCE® Acceptance Marks. All ATM transactions are treated as cash withdrawal + transactions. You may use the Card at an ATM and withdraw funds at a participating bank (“Over the Counter” or “OTC” withdrawals). ATM and OTC cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $2,500 maximum amount that can be spent on the Card per day.

Transaction Type Frequency and/or Dollar Limits* ATM Withdrawal No limit to the number of times per day, Up to $1,000.00 per day* Cash Back at POS No Limit to the number of times per day, Up to $200.00 per day* Card Purchases (PIN) No limit to the number of times per day, Up to $5,000.00 per day *Daily limits refer to 24-hour rolling timeframes (for example, Tuesday 2:00 pm – Wednesday 2:00 pm). ATM and POS device owner-operators, merchants, and participating banks may impose their own fees and lower limits on cash withdrawals.

You may use the Card to purchase or lease goods or services everywhere UPI® Cards are accepted as long as you do not exceed the available balance of your Account. Some merchants do not allow customers to conduct split transactions where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Card, the Card is likely to be declined.

If you use the card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $75.00. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A pre-authorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.

All transactions relating to car rentals or hotels are not authorized.

If you use the 16-digit Card number without presenting the Card (such as for mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for any illegal online gambling or any other illegal transaction.

Each time you use the Card, you authorize us to reduce the value available in the Account by the amount of the transaction and any applicable fees. Nevertheless, if a transaction exceeds the balance of the funds available in the Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees.

You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to sixty (60) days.

Transactions made in foreign currencies. If you obtain funds or make a purchase in a currency other than the currency in which the Card was issued, the amount deducted from the available balance of your Account will be converted by UPI into an amount in the currency of the Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by UPI from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.

Receipts

You should get a receipt at the time you make a transaction using the Card. You agree to retain, verify, and reconcile your transactions and receipts.

Card Replacement

If you need to replace the Card for any reason except at Card expiration, you can do so by calling 1 (888) 363-1895 or through the FFIBI website to request a replacement card. You will be required to provide personal information which may include your Account number, 16-digit Card number, full name, transaction history, copies of acceptable documentation, etc.

Card Expiration

The Card will expire no sooner than the date printed on the front of it. You will not be able to use the Card after the expiration date; however, a replacement Card will be automatically mailed to you prior to the expiration of the Card. If you need a Card replacement for any reason other than the Card’s expiration, you may request one at any time by following the procedures in the section labeled “Card Replacement.”

Electronic Banking Services

The following feature is available with your Account after it has been open for 30 days or more, and/or your UPI Prepaid Card has been activated.

FFIBI internal Transfers

Subject to the terms of this Agreement, your Account includes access to the Internal Transfer Service via FFIBI website. This service allows you to send money to or receive money from other FFIBI clients (“Internal Transfers”).

You will be restricted to a maximum of $500.00 to do an internal transfer to send money until you have activated your Card and your Account has been open for a minimum thirty (30)-day period that begins on the calendar day that your first successful deposit is made to your Account.

Your access to internal transfer is determined by FFIBI in its sole discretion based on the history of any FFIBI accounts you have, deposit amounts and other risk-based factors. FFIBI may suspend or terminate your use of such service at any time and without prior notice to you. If you violate the terms of services related to Internal Transfer, such actions may be used as a basis to terminate your Account.

By using the Internal Transfer feature, you agree that you will not post, transmit, distribute, or disseminate through any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability or violates these terms and the Agreement; or (c); in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of Internal Transfer, or which may expose FFIBI, the Bank, its affiliates or its customers to harm reputational risk or liability of any nature.

Using the Internal Transfer Service

To send an Internal Transfer(s), login to FFIBI Website and select ”Internal Transfer” and enter the intended recipient’s email address, mobile phone number, or the recipient’s account number (14 Digits) and the Transfer dollar amount you would like to send. Internal Transfers will be applied to the Account associated with the recipient’s email address, mobile phone number, or Username entered by the sender.

Approved Transfers are automatically debited from the sender’s Account and typically deposited to the recipient’s Account within seconds. Internal Transfers will be monitored and may be held, delayed, or blocked if, in FFIBI’s sole discretion, completing the transfer could result in fraud or another form of financial harm. FFIBI may require additional information to complete an Internal Transfer.

You must make sure the recipient’s email address; mobile phone number or Account Number is entered accurately to ensure the Internal Transfer is sent to the correct recipient. The obligation to pay the Internal Transfer will not be excused by an error in the information entered.

Please note: The email address, mobile phone number or Account Number entered during the Internal Transfer will display in your transaction history and on your statement for your reference. A reference field is also available to add a personalized message to the recipient. These messages will be visible in your online transaction history but will not be included on your monthly statement.

Requesting Funds through Internal Transfer

You may request funds to be transferred to you through Internal Transfer by designating the number of funds requested and your selected sender. If the lender approves your request for funds, your request will become the sender’s Internal Transfer and be processed as described below.

Internal Transfer Limits

Internal Transfers may be initiated at any time as long as the transfer request does not exceed the available balance in your Account. FFIBI may refuse to process any transaction that exceeds any of the limits described below. If your Internal Transfer is denied because your Account balance is not sufficient, you are responsible for making alternate payment arrangements with the intended recipient. These are the limits associated with Internal Transfer(s):

Transaction Type Frequency and/or Dollar Limits* Internal Transfer(s) Send up to a maximum of $20,000.00 per calendar month

Receive up to a maximum of $20,000.00 per calendar month

*All Internal Transfer limits are subject to temporary reductions to protect the security of member Accounts and/or the Internal Transfer Service. Certain members may be eligible for higher transfer limits based on Account history at our discretion.

We may change these limits with notice to you. You can contact our customer service by calling 1 (888) 363-1895, emailing [email protected]

Canceling Internal Transfers: Prior to sending an Internal Transfer, the sender will be prompted to confirm the transaction. Once the Internal Transfer is sent, it cannot be canceled. It is the sender’s responsibility to ensure the information is accurate prior to confirming the Internal Transfer request.

An Internal Transfer cannot be canceled if sent to another FFIBI member once the transfer is complete.

Liability for Internal Transfers

You are liable for any Internal Transfer sent from your Account except in the case where the Internal Transfer was unauthorized, or the Internal Transfer was not properly executed according to your instructions. This means you are liable for any transaction made using Internals Transfer, even if you are unsatisfied with an exchange of goods or services.

If you receive an Internal Transfer and we later determine in our sole discretion that the Internal Transfer was invalid for any reason, (for example, the Internal Transfer was not authorized by the sender) you hereby authorize us to debit your Account for the amount of the invalid Internal Transfer. In the event that a negative balance is created in your Account as a result of debiting your Account for the invalid Internal Transfer, you hereby authorize us to move funds from any optional FFIBI other accounts you own in an amount equal to or less than the Internal Transfer.

If you believe your Account has been compromised or that an Internal Transfer from your Account was completed without your permission, please contact 1 (888) 363-1895 immediately. Please see Section II ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS below, where your liability for unauthorized transfers from the Account is explained.

In case of questions related to Internals Transfer Service, please call our customer service at 1 (888) 363-1895.

Electronic Funds Transfer Disclosure and Special Terms and Conditions

Your Account can be used for the purpose of initiating direct deposits (“ACH Credits”) to your Account.

Note: Generally, the recipient’s name on any direct deposit(s) or ACH Credit(s) we receive must match the name on the Account. Any direct deposits received in a name other than the name registered to the Account will be returned to the originator. FFIBI may in its discretion permit certain government transfers so long as one recipient on the transfer matches the name on the Account (e.g., tax returns for jointly filed returns).

Limits on ACH Debit Transactions

Cut-off Time – The cut-off time for scheduling ACH transfers is at 1PM Est Time. Any transfer scheduled after the cut-off time will be treated as if it were scheduled on the next business day.

ACH Debit Limits – The limitations to the amount of funds that can be transferred from your Account per day are as follows:

Transaction Type Frequency and/or Dollar Limits

ACH Debits No limits to the number of times per day - Limited to the available Account balance

ACH Credits initiated from FFIBI Website to another bank account you own* No limit to the number of times per day - Up to $10,000.00 per day, maximum of up to $25,000.00 per calendar month**

*Acceptance of ACH Credits may vary by financial institution. Please contact the bank you wish to send funds to prior to initiating an ACH Credit to determine if restrictions apply.

** This transaction type is not available for Accounts with a FFIBI UPI Prepaid Card that has not been activated.

Electronic Funds Transfer Services

The following terms are used to describe Electronic Funds Transfer (“EFT”) services. “Automated credits” or “direct deposits” are deposits made to your Account by electronic means. “Automated debits” and “automated payments” indicate payments authorized by you to be made from your Account by electronic means. “Online Transfers” are the movement of funds between your FFIBI Account and optional FFIBI Accounts by using our website.

When you accept direct deposits or authorize automatic payments/debits or transfers to or from your Account, you agree to these terms and conditions.

Other relevant terms and conditions described elsewhere in the Agreement also apply as long as they are consistent with Regulation E or Section II.

Types of Electronic Funds Transfers Available

You may arrange with another party, such as your employer or a government agency, to electronically deposit funds on a one-time or recurring basis directly to your Account. Account subject to the established limitations on withdrawals and transfers. You may use the Card to make purchases at merchants that accept the Card or to obtain cash at ATMs, Over Counter cash, and, subject to availability, cashback at POS terminals. Limitations on Transfers, Amounts, and Frequency of Transactions.

You may make cash withdrawals and POS purchases, not to exceed the established limits for your Account. See the sections labeled “Cash Access” and “Transaction Limitations” for details about the limits.

If your Account is closed, blocked, or suspended for any reason, you will not be able to transact using your Card (including at an ATM).

Right to Receive Documentation of Electronic Funds Transfers.

Statements. You will have access to an electronic monthly statement that can be viewed on the Website.

Right to Stop Payment of Preauthorized Transfers and Procedures for Doing So.

If you have told us in advance to make regular payments out of your Account, you can stop any of these payments. Here’s how:

To stop a recurring transfer to a merchant you preauthorized to debit your Account, please contact the merchant to request cancellation of the recurring payment.

If the merchant with whom you arranged recurring ACH transfers from your Account is unable or unwilling to stop the transfer, call FFIBI customer service at 1 (888) 363-1895 or email [email protected] com to request a stop on such payment. Your request to stop payment must be received at least three (3) business days before the payment is scheduled to be made. Such a stop payment request will cancel a single, i.e. one (1) recurring payment. If you want to permanently stop all recurring payments to a specific merchant, you may be required to put your request in writing and email it to FFIBI customer service at [email protected] within fourteen (14) days after you call. If we ask you to put your request in writing, you will need to tell us; the name of the payee, the dollar amount of the payment, and the date of the payment. If written stop payment notification is required but is not received within fourteen (14) days, only the first payment you notified us of will be stopped, and future payments will not be stopped.

Notice of Varying Amounts

If these regular payments you make may vary in amount, the person you are going to pay will tell you the transfer date and the amount of the transfer ten (10) days before each payment is scheduled to take place. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set).

Liability for Failure to Stop Payment of Preauthorized Transfer

If you order us to stop a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Your Liability for Unauthorized Transfers

Contact us at once if you believe your Card, PIN, or Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Account number has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, call 1 (888) 363-1895.

Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section labeled “Information About Your Right to Dispute Errors. If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN, or Account number has been lost or stolen, we will close your Card and/or FFIBI Account to keep losses down and send you a replacement Card and/or Account number.

If your Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new FFIBI Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction from your Account or Card on time or in the correct amount according to our Agreement with you; we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

- If through no fault of ours, you do not have enough funds available in your Account to complete the transaction - If a merchant refuses to accept your Card or Account number - If an ATM where you are making a cash withdrawal does not have enough cash - If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction - If access to your Card or Account has been blocked after you reported your Card or Account number lost or stolen - If there is a hold or your funds are subject to a legal or administrative process or other encumbrance restricting their use - If we have reason to believe the requested transaction is unauthorized - If circumstances beyond our control (such as fire, flood, power failure, strike, labor dispute, critical service provider failure, computer breakdown, telephone line disruption, government or regulatory action, or a natural disaster) prevent the completion of the transaction, despite reasonable precautions that we have taken; or Any other exception stated in our Agreement with you

Confidentiality

We may disclose information to third parties about your Account, Card or the transactions you make:

Where it is necessary for completing transactions.

In order to verify the existence and condition of your Account or Card for a third party, such as a merchant.

In order to comply with a government agency, court order, or other legal or administrative reporting requirements.

If you consent by giving us your written permission.

To our employees, auditors, affiliates, service providers, or attorneys as needed.

As noted in the FFIBI Privacy Policy and Bank Consumer Privacy Notice(s); or

As otherwise as necessary to fulfill our obligations under this agreement. Information About Your Right to Dispute Errors

In case of errors or questions about your electronic transactions, call 1 (888) 363-1895 or email us at [email protected] as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed in the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name, Account number and/or 16-digit Card number. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Account.

For errors involving new Accounts; transactions with a merchant’s POS terminal, whether in-person, online, by telephone, mail, or otherwise; or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. For errors involving unauthorized preauthorized debits (“ACH”), we will ask you to complete and sign an “Affidavit of Unauthorized ACH” and return it to us to assist in our investigation.

We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documentation used in the investigation may be obtained by contacting us at the phone number or address shown at the beginning of this section.

English Language Controls

Any translation of this Agreement is provided for your convenience. The meaning of the terms, conditions, and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

Customer Service

For customer service assistance or additional information regarding your Account, please contact:

First Finance International Bank Inc

252 Ponce de León Ave, Suite 1702 Hato Rey, San Juan, PR 00918

[email protected] 1 (888) 363-1895

Member Service agents are available to answer your calls: Monday through Friday, 9 a.m. to 6 p.m. EST (holidays excluded)

Telephone Monitoring/Recording

From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our member service team or as required by applicable law.

No Warranty Regarding Goods or Services as Applicable

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase using your Account.

Arbitration

Any claim, dispute or controversy (“Claim”) arising out of or relating in any way to i) this Agreement; ii) the Account; iii) your acquisition of the Account; iv) your use of the Account; v) the number of available funds in the Account; vi) advertisements, promotions, or oral or written statements related to the Account, as well as goods or services purchased with the Account; vii) the benefits and services related to the Account; or viii) transactions made using the Account, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).

We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.

ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.

For a copy of the procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335 Madison Avenue, New York, NY 10017, or at www.adr.org.

All determinations as to the scope, interpretation, enforceability, and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.

NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.

This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of your Deposit Account, or any amounts owed on your Deposit Account, to any other person or entity; or iv) closing of the Deposit Account. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD OR ACCOUNT. CALL 1 (888) 363-1895 TO CLOSE THE ACCOUNT AND REQUEST A REFUND, IF APPLICABLE.

Savings Disclosures

The FFIBI Account is not an interest-bearing account. No interest will be paid.

Minimum Balance Requirements – A initial deposit of $50.00 is required to open an Account. You may deposit any amount you wish when opening the Account, however, the Account will remain in a new account status until thirty (30) days after the Account has received a posted deposit. See Section IV.13. labeled “Limits and Funds Availability” for additional details.

Transaction Limitations

Minimum and maximum withdrawal limitations apply. See the section labeled “Cash Access and Transaction Limitations” for full information regarding these limits.

Mobile Check Deposit

Description of Service and Consent Mobile check deposit (“Mobile Deposit”) is currently not offered by FFIBI and not eligible to make deposits to your Account remotely.

Cash Withdrawal

Fee applies to both ATM and Over the Counter “OTC” withdrawals ($4.00 per transaction). If you use an ATM outside the NYCs Alliance networks for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Account. General Funds Availability Information contained in this section is provided to assist you in understanding our Funds Availability Policy. All deposits into accounts opened through the Bank are processed at a Bank processing facility.

We make funds available according to the type of deposit and when the funds are applied or credited to your Account. Some types of deposits may not be available for immediate use. When we delay the availability of funds or place a hold on a deposit made to your Account, you may not withdraw those funds, and we will not use them to pay any debts, such as ACH transfers or payments, Checkbook transactions, or transactions using your Card during the hold period. We have the right to refuse any deposit.

If final payment is not received on any item you have deposited into your Account, or if any direct deposit, ACH transfer credit is returned to us for any reason, you agree to pay us the amount of the returned item.

Availability

The length of the delay in the availability of funds varies depending on the type of deposit.

Business Days

The length of the delay in the availability of funds is counted in business days from the day your deposit is applied to your Account. For purposes of these disclosures, our business days are Monday through Friday. Federal holidays are not included. Deposits received by midnight EST Time will be considered current-day deposits. Any deposits received after that time will be processed the following business day.

Same Day Availability

Funds received from preauthorized electronic payments or other preauthorized electronic payments will be available on the day the deposit is applied to your Account. ACH Credits received from an external bank account will be applied to the Account when we have verified the external account and received payment on collected funds. Once the funds are applied to the Account, they will have same-day availability.

Longer Availability

Electronic transfers depositing into the Account initiated through the Website may take up to five (5) business days from the date of the initial request but will post on the payment date of the deposit once the money has reached FFIBI.

FFIBI Online & Mobile Application Terms and Conditions.

Please read the following terms and conditions very carefully. If you do not agree with the following terms and conditions, do not download or install this software. By downloading, installing or using this software or any portion thereof, you agree to the following terms and conditions.

Use of the FFIBI Application

This agreement (“Terms”) is entered into between you and First Finance International Bank Inc., (“FFIBI”), the bank managing the FFIBI Individual Deposit Account. Subject to the provisions of these Terms, you are hereby granted the non-transferable right to use this Web Mobile software (“FFIBI Web Mobile Access & future Application”) solely for personal, non-commercial purposes.

You may not use the FFIBI Mobile Application in any manner that may impair, overburden, damage, disable or otherwise compromise (i) First Finance International Bank Inc.’s services; (ii) any other party’s use and enjoyment of First Finance International Bank Inc.’s services; or (iii) the services and products of any third parties including, without limitation, any device through which you access the FFIBI Mobile Application (the “Authorized Device”). You agree to comply with all local laws and regulations governing the downloading, installation and/or use of the FFIBI Mobile Application, including, without limitation, any usage rules set forth in the online application store terms of service.

From time to time, FFIBI may automatically check the version of FFIBI Mobile Application installed on the Authorized Device and, if applicable, provide updates for the FFIBI Mobile Application (“Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the FFIBI Mobile Application. By installing the FFIBI Mobile Application, you authorize the automatic download and installation of Updates and agree to download and install Updates manually if necessary. Your use of the FFIBI Mobile Application and Updates will be governed by these Terms (as amended by any terms and conditions that may be provided with Updates).

First Finance International Bank Inc. reserves the right to temporarily disable or permanently discontinue any and all functionality of the FFIBI Mobile Application at any time without notice and with no liability to you.

For the avoidance of doubt, agreement to these Terms is solely between First Finance International Bank Inc. and you. If you need to contact First Finance International Bank Inc about the FFIBI Mobile Application, you may do so by calling (888) 363-1895 or by emailing [email protected]

Privacy Policy

As a condition of using the FFIBI Mobile Application, you acknowledge that additional agreements may be in place that governs your relationship with First Finance International Bank Inc., including but not limited to the FFIBI Individual Deposit Account Agreement, FFIBI Privacy Policy, the FFIBI User Agreement, FFIBI Consumer Privacy Notice(s), and the Electronic Communication Agreement, each of which is hereby incorporated by reference. You acknowledge and agree that these agreements may be updated from time to time, without prior notice. Any such change(s) will be effective as soon as First Finance International Bank Inc. posts a revised version of the applicable agreement. In the event of an otherwise irreconcilable conflict between these Terms and other agreements, these Terms will govern, solely with regard to the conflicting provisions and solely to the extent of such conflict.

First Finance International Bank Inc. may track and archive certain information regarding your use of the FFIBI Mobile Application (“Use Information”). Use Information may be stored and processed in the United States or any other country in which First Finance International Bank Inc. or its agents maintain facilities. By using the FFIBI Mobile Application, you consent to the collection of your Use Information and to any transfer of your Use Information outside of your country.

Proprietary Rights

You hereby acknowledge that First Finance International Bank Inc. owns all rights, titles, and interests in and to the FFIBI Mobile Application and to any and all proprietary and confidential information contained therein (“FFIBI Information”). The FFIBI Mobile Application and FFIBI Information are protected by applicable intellectual property and other laws, including patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide. You agree that you will not (and will not allow any third party to) (i) modify, adapt, translate, prepare derivative works from, decompile, reverse engineer or disassemble the FFIBI Mobile Application or otherwise attempt to derive source code from the FFIBI Mobile Application; (ii) copy, distribute, transfer, sell or license the FFIBI Mobile Application; (iii) transfer the FFIBI Mobile Application to, or use the FFIBI Mobile Application on, a device other than the Authorized Device; (iv) take any action to circumvent, compromise or defeat any security measures implemented in the FFIBI Mobile Application; (v) use the FFIBI Mobile Application to access, copy, transfer, retransmit or transcode Content (as defined below) or any other content in violation of any law or third party rights; (vi) remove, obscure, or alter First Finance International Bank Inc.’s (or any third party’s) copyright notices, trademarks, or other proprietary rights notices affixed to or contained within or accessed through the FFIBI Mobile Application.

Content made available through the FFIBI Mobile Application (“Content”) is protected by applicable intellectual property rights and is the property of First Finance International Bank Inc., its third party licensors and partners (as applicable), and other entities that provide such content to First Finance International Bank Inc. You may not (or enable others to) copy, distribute, display, modify, or otherwise use the Content except as it is provided to you through the FFIBI Mobile Application hereunder. First Finance International Bank Inc. and its licensors make no representations or warranties regarding the accuracy or completeness of the Content.

Export Restrictions

First Finance International Bank Inc. does not represent that the FFIBI Mobile Application is appropriate or available for use in any geographical location. Any entity choosing to use the FFIBI Mobile Application is solely responsible for compliance with all applicable laws. The FFIBI Mobile Application is subject to U.S. export controls and may not be downloaded, exported, or re-exported: (i) into (or to a national or resident of) Burma, Cuba, Iran, North Korea, Sudan, Syria, Libya, or any other country with respect to which the United States maintains trade sanctions prohibiting the shipment of goods; or (ii) to anyone on or acting on behalf of an entity on the U.S. Treasury Department’s list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department’s Denied person List or Entities List or included in General Order 3 (15 C.F.R. Part 736, Supplement 1), which prohibits exports to Marrow General Trading, affiliated entities, and persons, and specified persons involved in the manufacture or sale of Improvised Explosive Devices (together referred to as “U.S. Prohibited Party Lists”). By downloading and/or using the FFIBI Mobile Application, you represent and warrant that you are not (a) located in or a national or resident of any country noted above that is subject to U.S. trade sanctions, or (b) on any U.S. Prohibited Party List or acting on behalf of any person or entity on any such list.

Termination

You may terminate acceptance of these Terms at any time by permanently deleting the FFIBI Mobile Application in its entirety from the Authorized Device, whereupon (and without notice from First Finance International Bank Inc.) any rights granted to you herein will automatically terminate. If you fail to comply with any provision of these Terms, any rights granted to you herein will automatically terminate. In the event of such termination, you must immediately delete the FFIBI Mobile Application from the Authorized Device.

Indemnity

You agree to hold harmless and indemnify First Finance International Bank Inc. and its subsidiaries, affiliates, officers, agents, and employees (and their subsidiaries, affiliates, officers, agents, and employees) from and against any claim, suit or action arising from or in any way related to your use of the FFIBI Mobile Application or your violation of these Terms, including any liability or expense arising from all claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees, of every kind and nature. In such a case, First Finance International Bank Inc. will provide you with written notice of such claim, suit, or action.

Entire Agreement; Revisions to Terms.

First Finance International Bank Inc. may, from time to time, modify these Terms. Such modifications shall be effective as soon as the modified version of the “FFIBI Mobile Application Terms of Use” is posted in the online application store or any other authorized FFIBI Mobile Application distribution location. You can determine when these Terms were last revised by referring to the “LAST UPDATED” legend at the top of then-current version of the “FFIBI Mobile Application Terms of Use” in the online application store or any other authorized FFIBI Mobile Application distribution location. Your use of the FFIBI Mobile Application following such changes constitutes your acceptance of the revised version of the “FFIBI Mobile Application Terms of Use” in the online application store or any other authorized FFIBI Mobile Application distribution location.

Updated March 09, 2021 Copyrighted work of FIRST FINANCE INTERNATIONAL BANK INC. © 2021 all rights reserved.

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