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Intuit Payments Inc, a subsidiary of Intuit Inc., a Delaware corporation

Early Refund Processing Agreement (“Agreement”)

Name:

Social Security No.:

This Agreement contains important terms, conditions and disclosures about the program for processing of your refund(s) (the “Early Refund Processing Service” or “ERPS”) by Intuit Payments Inc, a subsidiary of Intuit Inc., a Delaware corporation (“IPI”, “we”, “our”, or “us”) using an account created for you at a partner financial institution, such as Cross River Bank (“Bank”). If you participate in ERPS, you have chosen to receive your federal tax refund five (5) days early, subject to eligibility.

Read this Agreement carefully before accepting its terms and conditions, and print a copy and/or retain this information electronically for future reference. As used in this Agreement, the words “you” and “your” refer to the applicant or both the applicant and joint applicant if the 2024 federal income tax return(s) is a joint return (individually and collectively, “Applicant”). The words “we,” “us” and “our” refer to IPI. The ERPS includes money transfer services provided by IPI, which is licensed as a money transmitter in the U.S. jurisdictions listed at: https://www.intuit.com/legal/licenses/payment licenses/. While the ERPS is provided by IPI, under certain circumstances, IPI may not be required to provide such services under its money transmitter licenses. 1. NOTICE: No Requirement To Use the Early Refund Processing Service In Order To File Electronically. YOU UNDERSTAND THAT AN EARLY REFUND PROCESSING FEE OF $ (“ERPS FEE”) IS CHARGED BY IPI TO ESTABLISH A TEMPORARY ROUTER ACCOUNT TO RECEIVE YOUR FEDERAL TAX REFUND, TO PROCESS IT, TO DEDUCT THE ERPS FEE, AND OTHER AUTHORIZED FEES FROM THAT ACCOUNT, AND TO FORWARD FUNDS TO YOU VIA THE DISBURSEMENT METHOD AS STATED BELOW. YOU ARE NOT REQUIRED TO USE THE ERPS. THE EARLY REFUND PROCESSING SERVICE IS NOT A LOAN; THE FEE IS COLLECTED ONLY AT THE TIME THE EARLY REFUND PROCESSING SERVICE OCCURS. YOU CAN AVOID THIS FEE AND NOT USE THE EARLY REFUND PROCESSING SERVICE BY INSTEAD CHOOSING ANOTHER REFUND DEPOSIT METHOD AT THE TIME YOU FILE YOUR 2024 FEDERAL INCOME TAX RETURN AND ELECTING TO HAVE YOUR REFUND(S) DIRECTLY DEPOSITED IN YOUR OWN BANK ACCOUNT OR MAILED TO YOU. IF YOU DO USE THE EARLY REFUND PROCESSING SERVICE, YOU CAN EXPECT TO RECEIVE THE PROCEEDS FROM YOUR FEDERAL TAX REFUND(S) 5 DAYS EARLIER THAN THE TYPICAL 21 DAYS FROM WHEN THE INTERNAL REVENUE SERVICE (“IRS”) ACCEPTS YOUR RETURN(S) UNLESS THERE ARE PROCESSING DELAYS OR UNLESS YOUR RETURN(S) CONTAINS EARNED INCOME TAX CREDIT OR ADDITIONAL CHILD TAX CREDIT, IN WHICH CASE THE IRS WILL ISSUE YOUR REFUND(S) NO EARLIER THAN FEBRUARY 15, 2025. IF YOU SELECT ERPS YOU WILL RECEIVE YOUR FEDERAL REFUND PROCEEDS FIVE (5) DAYS EARLY OR YOU WILL NOT BE CHARGED FOR THE ERPS SERVICE. THE COST OF PREPARING YOUR TAX RETURN(S) WILL NOT INCREASE OR DECREASE IF YOU PURCHASE THE EARLY REFUND PROCESSING SERVICE.

2. Authorization to Release Personal Information. You authorize the IRS to disclose any information to Bank and IPI related to the funding of your 2024 federal tax refund(s). You also authorize Intuit Inc., as the transmitter of your electronically filed tax return(s), Bank and IPI to disclose to each other certain information about you and your tax return(s) for the purpose of providing the services contemplated under this Agreement and other services offered by Intuit Inc. and its subsidiaries. You also represent that any authorizations you have made in this Section 2 have also been obtained from and are made with respect to your spouse, if this is a jointly filed return. Please see the Privacy Policy at the end of this Agreement describing how IPI may use or share your personal information.

3. Temporary Router Account Authorization. You hereby authorize us to establish a temporary router account (“Router Account”) for you at Bank for the sole purpose of receiving your tax year 2024 federal tax refund(s) from the IRS. We must receive an acknowledgement from the IRS that your return(s) has been electronically filed and accepted for processing before the Router Account can be opened. All fees discussed in this Section 3 are each, a “Fee.” You authorize IPI to deduct from your federal tax refund and/or Router Account all of the following amounts: (i) the Early Refund Processing Fee; (ii) if applicable, any fees for additional products and services purchased via TurboTax, and (iii) all applicable taxes (collectively, “Fees”). By using the ERPS, you will receive your federal tax refund up to five (5) days early for an additional fee of $ . IPI will deduct from the refund amount the ERPS fee, if you receive your federal refund proceeds at least 5 days early. You authorize us to disburse the balance of your refund(s) to you with the ERPS after making all authorized deductions for Fees. If your refund(s) does not have sufficient funds to pay any portion of the Fees, you authorize us to disburse the entire refund amount to the account into which you authorized IPI to deposit your expected tax refund proceeds as set forth in Section 6 (“Authorized Destination Account”). 4. Acknowledgements. (a) You understand that: (i) IPI cannot guarantee the amount of your tax year 2024 federal tax refund(s) or the date it will be issued, and (ii) IPI’s role is limited to the ERPS described in this Agreement. IPI does not warrant the accuracy of the software used to prepare the tax return(s). (b) You understand that (i) Intuit Inc. is the party that sends your tax return filings to the appropriate taxing authority and provides the software used to prepare your tax return, and (ii) You agree that Intuit Inc. is not acting as your agent and is not under any fiduciary duty with respect to the processing of your refund by IPI. Intuit Inc. does not provide the ERPS. Again, the ERPS is provided by IPI. (c) Your refund(s) may be held or returned to the IRS if it is suspected of fraud or identity theft. 5. General Disclosures. The Router Account is being opened for the sole purpose of receiving your (or both spouses if this is a jointly filed return) tax year 2024 federal tax refund(s). IPI will deduct from the refund amount the Fees, if you receive your federal refund proceeds at least 5 days early. No Miss L Chisolm

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withdrawals will be allowed from the Router Account except to collect the amounts stated in this Agreement, including Section 3 and Section 7. Without any further action by you, IPI will automatically deduct and send any funds owed to IPI under this Agreement to IPI after receipt of your tax refund(s) into the Router Account. No interest is payable on the deposit; thus, the annual percentage yield and interest rate are 0%. The Router Account will be closed after all authorized deductions have been made. Questions or concerns about the Router Account should be directed to Intuit Inc., acting on behalf of IPI, either by telephone by calling 1-800-***-**** or sent in writing to the address below: Intuit, Inc

ATTN: 5DEE Inquiries

2535 Garcia Ave

Mountain View, CA 94043

6. Disbursement Method. You agree that the disbursement method selected below will be used by IPI to disburse funds to you. By using the Direct Deposit method of disbursement, the balance of your refund amount, minus any authorized fees associated with the ERPS, will be disbursed to you electronically by RTP or same day ACH direct disbursement to your Authorized Destination Account designated below. If your refund does not qualify to be processed with the ERPS, the entire refund amount will be sent electronically by standard ACH. If a joint return is filed, the bank account may be a joint account or the individual account of either spouse. DIRECT DEPOSIT ACCOUNT TYPE: __ Checking __ Savings RTN#: __ __ __ __ __ __ __ __ __

ACCOUNT #: __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ Note: To ensure that there are no delays in receiving your refund(s), please contact your financial institution that maintains your Authorized Destination Account to confirm that you are using the correct RTN (routing) and account number. IPI and Intuit Inc. are not responsible for the misapplication of a direct disbursement that results from error, negligence or malfeasance on the part of you or your representative. In cases where Bank, on behalf of IPI, has received your federal tax refund(s) but IPI is unable to deliver the funds directly to you (including, for example, if you or your representative enter your account information incorrectly and your disbursement is returned to the Bank), funds may (i) be disbursed via check mailed to your physical address of record, (ii) be held at Bank until claimed, or (iii) returned to the IRS. Due to the risk of fraudulent diversion of tax refunds, we will not process any address or account changes for purposes of disbursing your tax refund(s). If we become aware that your address or checking or savings account has changed after you sign this Agreement but before your federal tax refund(s) is received by us, upon receipt of your federal tax refund(s) from the IRS or applicable state agency, we will return your tax refund(s) to the applicable agency. We will do our best to escalate the return of your federal tax refund(s) to the applicable agency and you will need to work with the applicable agency directly for disbursement. 7. 5 Days Early. By using the ERPS, you will receive your federal tax refund up to five (5) days early for an additional fee of $ . The availability of the ERPS is subject to: (a) your bank’s participation in the Real Time Payments (RTP) system or eligibility to receive same day ACH, (b) availability of funds for this program at the time you receive your refund, and (c) your federal tax refund is not greater than $20,000. You will not be charged the

$ fee if (a) you select the ERPS and for any reason you are not eligible or (b) you do not receive your refund at least 5 days early. The ERPS may change or discontinue at any time. If you are eligible for the ERPS, then you also authorize us to make all authorized deductions or payments owed to us (or our affiliates that offer TurboTax), including for any Fees, prior to disbursing your federal tax refund to you five (5) days early. 8. FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES. In case of errors or questions about electronic transfers to or from the Router Account, contact us either by telephone by calling 1-800-***-**** or write to Intuit Payments Inc c/o Intuit, Inc ATTN: 5DEE Inquiries 2535 Garcia Ave Mountain View, CA 94043 and provide your name, a description or explanation of the error, and the dollar amount of the suspected error. We will determine whether an error occurred within 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 45 business days to investigate your complaint or question. If we decide to do this, we will credit your Router Account within 10 business days of receiving the notice of error for the amount you think is in error, although in most circumstances you won’t have use of the money until we complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Router Account. For errors involving transfers of funds to or from the Router Account within 30 business days after the first deposit to the Router Account was made, (i) we may take up to 90 business days to investigate your complaint or question, and (ii) we may take up to 20 business days to credit your Router Account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Business Days: Our business days are Monday through Friday, excluding federal holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open.

Confidentiality: We will disclose information to third parties about your account or the transfers you make:

● To complete transfers as necessary;

● To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant;

● To comply with government agency or court orders;

● If you give us your written permission; or

● As explained in the Privacy Policy following this Agreement. Our Liability: If we do not complete a transfer to your account on time or in the correct amount according to this Agreement, we may be liable for your losses or damages. In addition to all other limitations of liability set forth in this Agreement, we will not be liable to you if, among other things: 25.00

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● Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, pandemic, computer breakdown, telephone line disruption, or a natural disaster) prevent the transfer, despite reasonable precautions that have been taken.

● The funds in your account are subject to legal process or other claim restricting such transfer.

● You, your representative or a third party provide us with inaccurate or untimely information. 9. Governing Law. The enforcement and interpretation of this Agreement and the transactions contemplated herein shall be governed by the laws of the United States, including the Electronic Signatures in Global and National Commerce Act, and, to the extent state law applies, the substantive laws of Delaware.

10. Summary of Terms.

Expected Refund $

Less ERPS Fee $

Expected Proceeds* $

* These amounts are itemized. This is only an estimate. The amount will be reduced by any applicable sales taxes. The above deductions will be subtracted from your federal refund, where applicable.

11. Arbitration Provision. You acknowledge that the services set forth in this Agreement are being made available and priced by IPI on the basis of your acceptance of the following arbitration provision (“Arbitration Provision”). By entering into this Agreement, you acknowledge that you are giving up the right to litigate Claims (as defined below) if you or IPI elects arbitration of the Claims pursuant to this provision, except as otherwise expressly provided herein, and you hereby knowingly and voluntarily waive the right to trial of all Claims subject to this Agreement. You further acknowledge that you have read this Arbitration Provision carefully, agree to its terms, and are entering into this Agreement voluntarily and not in reliance on any promises or representations whatsoever except those contained in this Agreement. ARBITRATION NOTICE

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. 11.1. Arbitration of Claims: If you elect to seek arbitration, you must first send to IPI a written Notice of your Claim ("Notice of Claim"). The Notice of Claim to IPI should be sent in care of our registered agent Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808. The Notice of Claim should include both the mailing address and email address you would like IPI to use to contact you. If IPI elects to seek arbitration, it will send, by certified mail, a written Notice of Claim to your address on file. A Notice of Claim must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific amount of damages or other relief sought. You agree that good faith informal efforts to resolve disputes often can result in a prompt, low cost and mutually beneficial outcome. You and IPI therefore agree that, after a Notice of Claim is sent but before either you or IPI commence arbitration or file a claim in small claims court against the other, we will personally meet, via telephone or videoconference, in a good faith effort to confer with each other and try to resolve informally any Claim covered by this Agreement. If you are represented by counsel, your counsel may participate in the conference as well, but you agree to fully participate in the conference. Likewise, if IPI is represented by counsel, its counsel may participate in the conference as well, but IPI agrees to have a company representative fully participate in the conference. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph. If we do not reach an agreement to resolve the Claim within sixty (60) days after the Notice of Claim is received, you or IPI may commence an arbitration proceeding by filing a Demand for Arbitration or, alternatively, by filing a Claim in small claims court. You agree that you may not commence any arbitration or file a claim in small claims court unless you and IPI are unable to resolve the claim within 60 days after we receive your completed Notice of Claim and you have made a good faith effort to resolve your claim directly with IPI during that time. If a Claim qualifies for small claims court, but a party commences an arbitration proceeding, you and IPI agree that either party may elect instead to have the Claim resolved in small claims court, and upon written notice of a party's election, the American Arbitration Association ("AAA") will administratively close the arbitration proceeding. Any dispute about whether a Claim qualifies for small claims court shall be resolved by that court, not by an arbitrator. In the event of any such dispute, the arbitration proceeding shall remain closed unless and until a decision by the small claims court that the Claim should proceed in arbitration. You may download or copy a form of notice and a form to initiate arbitration at www.adr.org or by calling 1-800-***-****. The arbitration will be conducted by the AAA before a single AAA arbitrator under the AAA's rules, which are available at www.adr.org or by calling 1-800-***-****, except as modified by this Agreement. Unless IPI and you agree otherwise, any arbitration hearings will take place in the county (or parish) of either your residence or of the mailing address you provided in your Notice of Claim.

11.2. Other Claims Subject to Arbitration: In addition to Claims brought by you, Claims made by anyone connected with you or anyone making a Claim through you (including a taxpayer filing jointly, employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy) against us shall be subject to arbitration as described herein. 11.3. Exceptions: We agree not to invoke our right to arbitrate any individual Claim you bring in small claims court or an equivalent court so long as the Claim is pending only in that court. This Arbitration Provision also does not limit or constrain our right to interplead funds in the event of claims to the Account by several parties.

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11.4. Individual Claims Only: Claims may be submitted to arbitration on an individual basis only. Claims subject to this Arbitration Provision may not be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public or on behalf of any other person, unless otherwise agreed to by the parties in writing. However, taxpayers filing jointly and party to this Agreement are considered as one person; IPI and its officers, directors, employees, agents, and affiliates are considered as one person; and Bank and its officers, directors, employees, agents, and affiliates are considered as one person. Further, if you have elected arbitration, unless both you and IPI agree otherwise, the arbitrator may not consolidate any other person's Claims with your Claims and may not otherwise preside over any form of a representative or class proceeding. If IPI believes that any Claim you have filed in arbitration or in court is inconsistent with the limitations in this paragraph, then you agree that we may seek an order from a court determining whether your Claim is within the scope of the Class Action Waiver. If this Class Action Waiver is found to be unenforceable, then the entirety of this Arbitration Section shall be null and void. 11.5. Arbitration Fees: Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. You are required to pay AAA's initial filing fee, but IPI will reimburse you for this filing fee at the conclusion of the arbitration to the extent it exceeds the fee for filing a complaint in a federal or state court in your county of residence or in Santa Clara County, California. If the arbitrator finds that either the substance of your Claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules and IPI will not reimburse your initial filing fee. The parties agree that the AAA has discretion to modify the amount or timing of any administrative or arbitration fees due under the AAA Rules where it deems appropriate, provided that such modification does not increase the AAA fees to you or IPI and you and IPI waive any objection to such fee modification. 11.6. Procedure: A single arbitrator will resolve the Claims. The arbitrator will be either (1) a retired judge or (2) an attorney specifically licensed to practice law in the state of California or the state of your residence and will be selected by the parties from the AAA's National Roster of arbitrators. The arbitrator will be selected using the following procedure: (a) the AAA will send the parties a list of five candidates meeting this criteria; (b) if the parties cannot agree on an arbitrator from the list, each party shall return its list to the AAA within 10 days, striking up to two candidates, and ranking the remaining candidates in order of preference; (c) the AAA shall appoint as arbitrator the candidate with the highest aggregate ranking; and (d) if for any reason the appointment cannot be made according to this procedure, the AAA may exercise its discretion in appointing the arbitrator. The arbitrator is bound by this Agreement. Except as otherwise provided below, all issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration provision.

The arbitration shall follow the rules and procedures of the arbitration administrator in effect on the date the arbitration is filed, except when there is a conflict or inconsistency between the rules and procedures of the arbitration administrator and this Arbitration Provision, in which case this Arbitration Provision shall govern. Any in person arbitration hearing for a Claim shall take place within the federal judicial district in which you live or at such other reasonably convenient location as agreed by the parties. The parties agree that an administrative conference with the AAA shall be conducted in each arbitration proceeding, and you and an IPI company representative shall appear at the administrative conference via telephone. If you fail to appear at the administrative conference, regardless of whether your counsel attends, the AAA will administratively close the arbitration proceeding without prejudice, unless you show good cause as to why you were not able to attend the conference. The arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. The award shall be binding only among the parties and shall have no preclusive effect in any other arbitration or other proceeding involving a different party. IPI will not seek to recover its attorneys' fees and costs in arbitration from you unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)). Judgment on any award may be entered in any court having jurisdiction. This agreement to arbitrate shall not preclude any party to the arbitration from at any time seeking injunctions or other forms of equitable relief in aid of arbitration from a court of appropriate jurisdiction including whether a Demand for Arbitration is filed in violation of this Agreement. 12. Taxpayer Identity Validation Disclosure. To help IPI and the government identify and fight tax refund fraud, as well as fight the funding of terrorism and money laundering activities, IPI shall obtain, verify, and record information that identifies each ERPS taxpayer. What this means for you: When you apply to use the ERPS for the purpose of receiving your federal tax refund(s), 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 your driver’s license or other identifying documents if we need to perform additional due diligence on your account.

13. Conflicts. To the extent there is any conflict between the terms of this Agreement and the TurboTax Terms of Service available at https://turbotax.intuit.com/corp/terms of use/, the provisions of this Agreement shall control with respect to any issues concerning the Program. YOUR AGREEMENT

IPI agrees to all of the terms of this Agreement. By selecting the “I Agree” button in TurboTax: (i) You authorize IPI and/or Bank to receive your 2024 federal tax refund(s) from the IRS, and IPI to make the deductions from your federal refund(s) as described in the Agreement, (ii) You agree to receive all communications electronically in accordance with the “Communications” section of the Tax Year 2024 TurboTax® User Agreement, (iii) You consent to the release of your 2024 federal tax refund(s) disbursement information and application information as described in this Agreement; and (iv) You acknowledge that you have reviewed, and agree to be bound by, the Agreement’s terms and conditions. If this is a joint return, selecting “I Agree” indicates that both spouses agree to be bound by the terms and conditions of the Agreement. REV 02/04/25 Intuit.cg.cfp.sp

Rev. 12/2022

FACTS

WHAT DOES INTUIT INC. (“INTUIT”) DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and transaction history

account balances and payment history

credit history and credit scores

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Intuit chooses to share; and whether you can limit this sharing. Reasons we can share your information Does Intuit share? Can you limit this sharing? For our everyday business purposes— such as

to process your transactions, maintain your

account(s), respond to court orders and legal

investigations, or report to credit bureaus

Yes No

For our marketing purposes— to offer

our products and services to you Yes No

For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes—

information about your transactions and experiences Yes No For our affiliates’ everyday business purposes—

information about your creditworthiness No We don’t share* For nonaffiliates to market to you No We don’t share Questions?

Visit us at: https://www.intuit.com/privacy/

Email us at: *******@******.***

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Who we are

Who is providing this notice? This notice is provided by Intuit Inc. and is applicable to your U.S. Intuit account. What we do

How does Intuit protect

my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Intuit collect my

personal information?

We collect your personal information, for example, when you

open an account or seek financial or tax advice

give us your contact information or give us your income information

apply for a loan

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

sharing for affiliates’ everyday business purposes—information about your creditworthiness

affiliates from using your information to market to you

sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include companies with the Intuit name (operating as TurboTax, QuickBooks, Mint, Credit Karma, and Mailchimp)

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint

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