Last Updated: September 12, 2025

TO RETAIN A COPY PRINT OR SAVE THIS AUTHORIZATION TO YOUR DEVICE

In this Electronic Payment Authorization for a Tapcheck Earned Wage Access Transaction ("Authorization"), the words "we," "us," and "our" mean Tapcheck Inc. ("Tapcheck") including, its successors, assigns, agents, and service providers. The words "you" and "your" mean the customer providing this Authorization. The word "Agreement" means the Tapcheck End User License Agreement you are entering, or have entered into, with us.
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AUTHORIZATION FOR ONE TIME ACH PAYMENTS. During the enrollment process, you specified an account, either by providing a debit card or bank account number, which you wish to use in connection with EWA transactions under the Agreement (together with any substitute account you or your financial institution later provides, your "Account").
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You authorize us to initiate an electronic debit from the Account by automated clearinghouse (ACH) transfer, as applicable and specified by you in the amount of your EWA transaction (which is the amount we will disburse to you plus the applicable fee, if any), as displayed in the Tapcheck app when you click the authorize or complete transaction button. Per the Agreement (section 6), we will only perform an ACH debit if your payroll deduction is not successfully deducted, or the deduction fails for any reason at all. The debit will occur on the check date, or the first business date following the check date in the event that the check date is not a business day, after the second unsuccessful payroll deduction in which we are unable to recover the amount from your employer.  
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AUTHORIZATION TO CORRECT ERRORS AND MODIFY/COMBINE PAYMENTS. If we make an error in processing an earned wage transaction, you authorize us to correct the error by initiating an electronic credit or debit to the Account in the amount of such error on or after the date such error occurs. If there is any missing or erroneous information with respect to your Account or the associated financial institution, you authorize us to verify and correct such information. Instead of or in addition to any electronic debit described above, you may authorize us to initiate electronic debits to your Account via ACH transfer for any amount and on any date that you subsequently direct by phone, email, text, or other method we make available. If you and we agree to an alternative schedule for initiating the electronic debit authorized above, you authorize us to initiate electronic debit via debit card or ACH transfer according to such schedule. You authorize us to combine multiple electronic debits that we may be initiating on the same day to your Account into a single electronic debit.
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REINITIATING A REJECTED DEBIT. Unless otherwise limited by law, if an electronic debit is rejected, you authorize us to reinitiate it up to two (2) additional times via ACH transfer. However, you agree that we are under no obligation to reinitiate any rejected debits. You understand that your financial institution may impose fees in connection with rejected debits, and you agree that we do not have any liability to you for such fees. If you know that an electronic debit will be rejected by your financial institution (e.g. because there is not enough money in your Account), you should contact us so that alternate arrangements can be made.
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REVOCATION AND TERMINATION. You understand that you can revoke this Authorization at any time by contacting us by sending an email to support@tapcheck.com. Any notice of revocation and termination must be received AT LEAST THREE (3) BUSINESS DAYS PRIOR TO THE SCHEDULED PAYMENT DUE DATE to avoid the next scheduled payment from being automatically debited from your Account. We may terminate this Authorization at any time for any reason, including excessive returned payments. This Authorization in no way limits any right you may have under federal law to stop payment of an electronic transfer by contacting your financial institution.
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MISCELLANEOUS. You promise that you are an authorized signer on the Account. You understand that this Authorization is subject to applicable law and network rules. To specify new Account information or a new payment method, you must contact us by sending an email to support@tapcheck.com, or writing to Tapcheck at 5850 Granite Parkway, Suite 1000, Plano, TX 75024, Attention: Customer Support Department. This Authorization supplements the terms of your Agreement.
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BY CLICKING THE BUTTON ON THE AUTHORIZATION SCREEN, YOU ARE ELECTRONICALLY SIGNING AND AGREEING TO THIS AUTHORIZATION AND AUTHORIZING US TO ELECTRONICALLY DEBIT YOUR ACCOUNT VIA ACH TRANSFER. YOU ACKNOWLEDGE THAT YOU HAVE READ, PRINTED/SAVED, UNDERSTAND, AND AGREE TO BE BOUND BY THE TERMS OF THIS AUTHORIZATION.

THIS AUTHORIZATION IS ELECTRONICALLY SIGNED AND DATED PURSUANT TO TAPCHECK'S E-SIGN CONSENT AS OF THE DATE OF THE UNDERLYING TRANSACTION.