MONET EARNED PAY
CONDITIONAL ONE-TIME ACH REPAYMENT AUTHORIZATION
Version: ca-earned-pay-2026-11-07-v8

Advance / offer reference: [Offer reference]
Bank account: [Verified bank name, account type and last four digits]
Authorized card submission date: [Exact date, America/Los_Angeles]
Authorized ACH submission date: [Exact following California calendar day]
Maximum authorized ACH debit: $[Accepted principal plus advance fee, excluding membership]

Payroll deposits repay this advance first. By affirmatively accepting this separate ACH authorization, I authorize Monet Holdings Group, Inc., through Stripe, to initiate one ACH debit from the account above on the exact authorized ACH date only when all of these conditions are satisfied:

1. Monet freshly verifies that I redirected the payroll allocation I authorized away from the agreed repayment destination. A missed or smaller deposit, lost payroll connection, timeout, missing notification or an unpaid balance alone is insufficient.

2. Monet confirms that my advance payout completed before the authorized card day began in California.

3. Monet reconciles repayment records and confirms a positive unpaid advance balance with no pending or unresolved payroll repayment or other collection that could duplicate this payment.

4. This separate authorization remains valid, and the selected method, exact date and maximum amount match my accepted offer.

5. Monet attempted the debit-card charge I separately authorized on its exact card date. Stripe definitively confirmed that attempt failed, and the ACH debit can be submitted within the immediately following California calendar day shown above. Monet must check this result and the other conditions before submitting ACH; a missed card date does not authorize ACH.

6. The card result is not pending, unknown, awaiting customer action, canceled, reversed or disputed, and neither authorization has been revoked. A timeout or a reversal or dispute after a successful card payment does not qualify as a definitive card failure.

The charge must be for the full outstanding advance balance after reconciliation: unpaid principal plus the unpaid advance fee disclosed in my accepted offer. It cannot exceed the maximum I authorized for this method. If the maximum does not cover that full balance, Monet will not make a partial backup attempt under this authorization. Membership charges, undisclosed fees and another advance are excluded. A late payroll repayment reduces the amount or removes the need to charge. Partial payroll or voluntary payments reduce principal first and then the disclosed advance fee.

This permits one ACH attempt for this advance after the one permitted card attempt. It does not permit recurring ACH debits, an ACH retry, a new card attempt, another account, a shifted date or a third automatic attempt. If card failure is confirmed after the authorized ACH day ends, or any condition is not met on that day, Monet skips ACH instead of moving it to a later date. The submission dates use California calendar days, including weekends and holidays; later bank processing does not extend the authorized date.

Monet will honor applicable payment-law and payment-network requirements, valid bank or payment-provider instructions, and my rights under this authorization. Nothing here limits any applicable right to revoke an authorization, stop payment through my bank or payment provider, or dispute an incorrect or unauthorized payment. Contact Monet promptly to revoke this authorization or ask my payment provider about its controls. An instruction received after submission may not stop a payment already in process.

Disconnecting payroll or bank data, or saving a payment method, does not by itself authorize or revoke a payment, repay the advance, or establish payroll redirection. Monet reconciles pending payments and returns any amount collected above the accepted principal and advance fee owed. My bank or card issuer may process a payment later than the authorized submission date and may charge its own fees under my agreement with it.

Questions, instructions, errors or copies: support@monet.family or 800-265-7152. Do not send full account or card numbers by ordinary email. This authorization is separate from the advance agreement, membership, payroll permissions, payroll repayment instructions, payment-method setup, and the other backup payment authorization. The agreement's nonrecourse promise continues if the advance is not repaid. This authorization does not amend an earlier accepted advance.

[ ] I authorize the conditional one-time ACH debit, from the account, on the exact date and for no more than the maximum shown above, only after the separately authorized card attempt definitively fails and all conditions above are met.

Payroll switching and prior deposits are optional qualification choices, not universal advance requirements. If you choose the optional deposit route, complete the direct-deposit switch through Monet using Pinwheel. It requires two separate, verified and settled employer payroll deposits, each of more than $200.00 USD, as described in the advance agreement. Neither those deposits nor the choice of qualification route authorizes a repayment. Repayment is expected on the next verified payday after the advance. The exact dates, failure conditions, amounts and two-attempt limit above continue to control this separate authorization.