MONET EARNED PAY
PAYROLL REPAYMENT AUTHORIZATION
Version: ca-earned-pay-2026-11-07-v8

Please review the payroll source, repayment destination, fixed allocation amount and expected payroll date shown in your individual offer and payroll setup before you authorize these instructions.

I authorize the fixed payroll deposit allocation that is presented to me through the payroll setup process for the advance identified in my offer. The payroll source and receiving destination must match those shown to me. This instruction is separate from permission to retrieve payroll information and from either backup debit-card or ACH authorization.

I authorize Monet to apply payroll funds received for this advance to its outstanding advance balance (principal plus the disclosed advance fee). The total Monet applies cannot exceed the unpaid advance balance (principal plus the disclosed advance fee) for this advance. Partial receipts reduce principal first, then the disclosed advance fee. This authorization does not permit membership charges, an undisclosed fee, a new advance, an unrelated obligation, or an unrestricted withdrawal from another account.

I understand that changing the allocation requires an instruction to my payroll provider. My payroll provider's processing schedule determines when a requested change takes effect. Disconnecting a data connection does not necessarily stop an existing payroll deposit instruction. A recurring allocation may remain in effect until it is changed. After repayment, Monet will notify me and provide instructions to stop or update the allocation.

Any amount received in excess of the accepted principal and advance fee owed belongs to me. Monet will reconcile pending payroll and backup payments before applying further repayment and will return any excess through a verified payment route. Monet will not treat an expected deposit, a paystub or an unconfirmed transfer as payment received.

If Monet verifies that I redirected the authorized payroll allocation away from the repayment destination, the two limited backup attempts are permitted only with separate, advance-specific card and ACH authorizations and all their conditions. Monet may attempt the full unpaid principal plus unpaid advance fee once by debit card on the exact authorized card date, then once by ACH on the next California calendar day only after definitive card failure. A pending or unknown result, additional customer action, canceled payment, reversal, dispute, revoked authorization or timeout does not permit ACH. If conditions or dates are missed, Monet skips the attempt; it does not retry either method or make a third automatic attempt. This payroll authorization itself authorizes neither a card charge nor an ACH debit.

For questions, changes or payment concerns, contact support@monet.family or 800-265-7152. Applicable authorization, payment and dispute rights, and the nonrecourse promise in the advance agreement, continue to apply.

[ ] I authorize the payroll repayment instructions shown to me for this advance.

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.

Deposits used for optional qualification do not authorize collection of a later advance. A new advance repays on the next verified payday identified in its accepted offer. Only the separately authorized allocation and unpaid balance may be applied.

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.