MONET EARNED PAY
MONTHLY MEMBERSHIP DISCLOSURE AND CONSENT
Document package: ca-earned-pay-2026-11-07-v8
Membership billing terms: ca-earned-pay-2026-11-06-v2

Price: $8.00 per month, separate from each advance's fee and repayment. Membership is required for advance access; it does not guarantee an advance, a particular limit or available earnings. It continues during months without an advance or eligible earnings until cancelled. 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.

The first $8.00 membership payment must succeed before Monet runs the payroll eligibility check. Paying for membership does not guarantee that I pass the check, qualify for an advance, or receive a particular amount. The separate cancellation and refund terms below still apply. This disclosure does not change an existing subscription or enroll me without my affirmative consent.

Customer: [Customer name]
Selected payment method: [Verified masked payment method]
First billing date: [Date]
Renewal schedule: [Monthly renewal date and applicable time zone]
Cancellation control: [In-app membership control presented before enrollment]

I authorize Monet Holdings Group, Inc., through its payment provider, to charge the selected payment method $8.00 on the first billing date and each disclosed monthly renewal date until I cancel. This permission is for membership charges only, not an advance, advance repayment, payroll change or other purchase. It is separate from the advance agreement and repayment authorizations.

I can cancel using the membership cancellation control at any time. Cancellation takes effect immediately, ends membership benefits and stops future renewals. Fees already paid are nonrefundable except where applicable law requires otherwise. Cancellation does not close my general Monet account and does not depend on repayment of an outstanding advance.

Questions, errors or copies: support@monet.family or 800-265-7152. An enrollment record must show the terms I reviewed and my affirmative action. This form alone is not evidence of a subscription or charge.

[ ] I agree to the $8.00 monthly membership and authorize the recurring membership charges described above.

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.