MONET EARNED PAY CALIFORNIA FEE SCHEDULE Version: ca-earned-pay-2026-11-07-v8 ADVANCE FEE For an advance up to and including $100.00: $5.00. For an advance above $100.00: 5% of the entire advance amount. The percentage fee is rounded to the nearest cent; half a cent is rounded up. No extra $5.00 is added to the percentage fee. The advance fee is collected at repayment, not deducted from the amount you receive. Your individual offer shows the exact principal, fee and total repayment before you accept. MEMBERSHIP $8.00 each month, billed separately. Membership is required for advance access but does not guarantee approval or a particular limit. It is charged once per membership month, not once for every advance, and continues without an advance or eligible earnings unless cancelled. It is not included in your advance repayment or either of the advance's backup payment authorizations. The first $8.00 membership payment must succeed before the payroll eligibility check. You can pay for membership and still be found ineligible for an advance. Membership requires separate affirmative enrollment and payment authorization. Enrollment shows the first billing date, renewal schedule, selected payment method and cancellation control. Cancellation takes effect immediately, ends membership benefits and stops future renewals. Fees already paid are nonrefundable except where applicable law requires otherwise. Cancelling does not close your general Monet account or require repayment of an outstanding advance. Reading these terms does not start membership billing. REPAYMENT EXAMPLES $25.00 advance + $5.00 advance fee = $30.00 total advance repayment. $100.00 advance + $5.00 advance fee = $105.00 total advance repayment. $101.00 advance + $5.05 advance fee = $106.05 total advance repayment. $200.00 advance + $10.00 advance fee = $210.00 total advance repayment. The separate $8.00 monthly membership is not included in those totals. In a membership month with one $25.00 advance, Monet charges are $5.00 for the advance plus $8.00 for membership: $13.00, excluding the $25.00 principal. With one $200.00 advance, those charges are $10.00 plus $8.00: $18.00, excluding principal. Multiple advances each have their own advance fee; membership is charged once for that membership month. These are dollar-cost examples, not APR calculations or offers of credit. REPAYMENT AND OTHER CHARGES Total advance repayment is principal plus the disclosed advance fee. Partial repayments reduce principal first, then the advance fee. They do not create another charge. Monet does not add a late/default fee, collection charge, partial-payment penalty or tip under these terms. Payroll is the primary repayment source. Only after verified payroll redirection and all other authorization conditions may Monet attempt the full unpaid principal plus unpaid advance fee once by debit card, then once by ACH on the next California calendar day after definitive card failure. There is no card retry, ACH retry or third automatic attempt. The two methods require separate, advance-specific consent with their exact dates, masked methods and maximum amounts. Membership is excluded from both. The agreement's nonrecourse promise continues to apply. Any separate payment-route charge must be shown in the individual offer before acceptance; no undisclosed charge is authorized by this schedule. Your own bank may separately charge insufficient-funds, overdraft or other fees under your bank agreement. A Monet USD receiving account is needed only if you choose the optional payroll-deposit qualification route. It is not required for the regular earnings route. If you choose that receiving account and have not already paid the applicable provider verification fee, the separate $25.00 verification charge is shown before authorization. It is not included in the $8.00 membership or advance fee and does not guarantee eligibility. Paper copies of earned-pay records and withdrawal of electronic-records consent are available without a Monet fee. Contact support@monet.family or 800-265-7152. Optional payroll-deposit qualification Payroll switching and prior deposits are optional. You may qualify through the regular verified-earnings check without switching your paycheck or waiting for deposits. As another route, you must complete your direct-deposit switch through Monet using Pinwheel, choosing and authorizing the payroll amount sent to your Monet USD receiving account. This optional route requires at least two separate, verified and settled employer payroll deposits through that switch, each of more than $200.00 USD. The optional deposit qualification is confirmed only after both qualifying deposits have settled and matching is complete. One deposit does not satisfy this requirement, regardless of its amount. The threshold applies separately to each deposit, measured in USD before conversion or deposit fees: exactly $200.00 does not qualify, and smaller deposits cannot be combined to meet either threshold. Repeated records or notifications for the same deposit count as one deposit. Each deposit must match your verified payroll account, employer, authorized destination, payroll amount and pay date. A switch confirmation, pending payment, microdeposit, self-transfer, unmatched third-party payment or returned deposit does not qualify for this route. Choosing not to switch, or not receiving both qualifying deposits, does not block the regular earnings route. Both routes remain subject to fresh unpaid-earnings, account, membership, repayment and other program checks and the disclosed advance limits. Deposit qualification is not a guaranteed advance, a particular limit or instant payout. A verified employer payroll deposit matched to your confirmed Pinwheel switch has no additional Monet five-calendar-day ACH hold after provider settlement. This exemption applies to each matched deposit; it does not whitelist every payment from a company or every deposit into your account. Unsettled deposits, other ACH deposit holds, security restrictions and return reviews still apply. Recovery and key-export controls retain their separate settlement and five-day requirements.