MONET EARNED PAY INDIVIDUAL ADVANCE OFFER Form version: ca-earned-pay-2026-11-07-v8 Review your advance Customer: [Customer name] Offer reference: [Offer reference] Offer expires: [Date and time, including time zone] Amount you receive: $[Approved advance amount] Verified accrued unpaid net earnings: $[Verified amount; advance no more than 50%] Advance fee, collected at repayment: $[5.00 through 100.00; 5% of the entire principal above 100.00, rounded to cents] Separate membership: $8.00 per month under separate enrollment consent; first payment before the payroll eligibility check Separate payment-route charges, if any: [Exact charge and recipient, or none] Total advance repayment: $[Principal plus the disclosed advance fee, excluding membership] Receive to: [Verified destination name and masked account or card] Receiving method: [Eligible bank transfer or debit-card payout] Primary repayment: Payroll deposits Payroll source: [Employer/payroll source] Payroll repayment destination: [Verified receiving bank, beneficiary and masked account] Fixed payroll allocation: $[Authorized allocation amount] Expected payroll date (next verified payday after this advance): [Date] Qualification route: [Regular verified earnings / Optional verified payroll deposits] Optional deposit 1 evidence, if used: [Distinct deposit reference, settlement date, USD amount greater than $200.00, verified employer; otherwise not applicable] Optional deposit 2 evidence, if used: [Different deposit reference, settlement date, USD amount greater than $200.00, verified employer; otherwise not applicable] First conditional backup: One debit-card attempt through Stripe Debit card: [Verified brand and last four digits] Authorized card submission date: [Exact date, America/Los_Angeles] Maximum card charge: $[Accepted principal plus advance fee, excluding membership] Second conditional backup: One ACH attempt through Stripe, only after definitive failure of the authorized card attempt Bank account: [Verified bank name, account type and last four digits] Authorized ACH submission date: [Exact California calendar day immediately following the card date] Maximum ACH debit: $[Accepted principal plus advance fee, excluding membership] Agreement and fee schedule version: ca-earned-pay-2026-11-07-v8 Each conditional backup amount is the full outstanding principal plus unpaid accepted advance fee after reconciliation, never more than its separately authorized maximum. If the maximum does not cover that full balance, no partial backup attempt is permitted. Membership is excluded. Late payroll reduces the outstanding amount or eliminates the charge. There are at most two backup attempts, one card and one ACH, with no retry or third automatic attempt. Before either attempt, Monet must freshly verify payroll redirection, confirm completed payout before the authorized card day began in California, and reconcile positive unpaid balance with no pending or unresolved payment that could duplicate collection. Both exact submission dates are within 34 days after payout. A missed payroll deposit, lost payroll connection or unpaid balance alone does not permit a backup attempt. ACH is permitted only if Stripe definitively confirms that the authorized card attempt failed and every ACH condition is satisfied before the authorized ACH day ends. A pending or unknown result, additional customer action, canceled payment, reversal, dispute, revoked authorization or timeout does not permit ACH. A missed card date or late failure confirmation does not move or replace either date. Weekends and holidays do not shift the California calendar dates; provider processing may finish later. Delivery timing depends on the payout method, Stripe and your bank. Partial payroll or voluntary repayments reduce principal first, then the accepted advance fee. Membership is billed separately. Your bank may separately charge fees under its agreement with you. Monet's nonrecourse promise in section 5 of the advance agreement remains controlling. Review the separate electronic-records consent, advance agreement, fee schedule, payroll instructions, conditional card authorization and conditional ACH authorization. Saving a card or linking an account does not authorize repayment. None of these selections is preselected. This offer and its separate authorizations apply only to this new advance and do not amend an earlier accepted record. [ ] I accept the advance agreement, fee schedule and individual offer shown to me. [ ] I authorize the conditional one-time debit-card charge described in the separate card authorization, to the card, on the exact date and for no more than the maximum shown above. [ ] I separately authorize the conditional one-time ACH debit described in the separate ACH authorization, from the bank account, on the exact following-day date and for no more than the maximum shown above, only after definitive card failure and all other conditions are met. Request $[Advance amount] 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.