Financial Institution Card Funding & Disbursement Terms

This Moov Platform Agreement (this “ Platform Agreement ”) is by and between Moov Financial, Inc., a Delaware corporation (“ Moov ”), and the entity accepting this Platform Agreement (“ User ”), and is effective as of the earliest of the date on which this Platform Agreement is fully executed by Moov and User, as of the date of User’s acceptance of this Platform Agreement electronically, or as of the date of User’s initial access to or use of the Moov Services (the “ Effective Date ”).