Lead Bank Cardholder AgreementAnytime Capital / US Consumer

1.1 Incorporation by Reference. All terms of the Accountholder Agreement, including all Exhibits, are incorporated into and form part of this Card Supplement and apply to your Card and to all Card transactions.

By accepting this Card Supplement, you are also accepting that the Arbitration and Dispute Resolution Agreement in Section 21 of the Accountholder Agreement — including the Class Action Waiver and Jury Waiver — applies to any Dispute relating to your Card.

1.2 Order of Precedence. If a term of this Card Supplement conflicts with a term of the Accountholder Agreement, this Card Supplement controls, but only with respect to the Card and Card transactions. The Accountholder Agreement continues to control in all other respects.

1.3 Optional; Separate Consent. This Card Supplement takes effect only upon your affirmative acceptance, given separately from your acceptance of the Accountholder Agreement. You are under no obligation to accept it, and declining will not affect your Account, its features, its fees, or the terms on which it is offered to you.

1.4 Termination Independent of the Account. Cancelling your Card terminates this Card Supplement but does not close your Account. Closing your Account terminates both. See Section 12.

2.1 To be eligible for a Card, you must (a) meet all eligibility requirements in Section 1 of the Accountholder Agreement, (b) have an open Account in good standing, (c) have successfully completed identity verification, and (d) accept this Card Supplement. Your Account may be opened before identity verification is complete; a Card will not be issued until it is.

2.2 The personal, family, or household use restriction in Section 3.5 of the Accountholder Agreement applies equally to your Card. If we determine your Card is being used for business purposes, we may close it. Business customers are governed by separate business agreements, and not by this Card Supplement.

3.1 Your Card is a debit card that provides access to your Account. Your Card is not a credit card and does not provide a credit feature or the ability to access credit. Your Card is not a gift card. The funds in your Account do not expire. A physical Card carries an expiration date printed on the Card. When your Card expires, the funds in your Account remain available to you and are not affected. We will ordinarily issue you a replacement Card before your Card expires, at no charge, unless your Account is closed, your Card has been cancelled, or you tell us you do not want a replacement. A virtual Card may be issued with or without an expiration date.

3.2 Your Card is an access device only. It does not hold value. All value accessible through your Card is held either as Fiat Currency in your Account or as Stablecoins in your Wallet, in each case as described in Sections 3.1 through 3.4 of the Accountholder Agreement. YOUR CARD DOES NOT HOLD, AND YOUR ACCOUNT DOES NOT HOLD, ANY STABLECOIN, CRYPTOCURRENCY, VIRTUAL CURRENCY, DIGITAL ASSET, OR OTHER DIGITAL TOKEN.

4.1 Funding Configurations. Platform Provider will designate the funding configuration applicable to your Card transactions (each, a “Funding Configuration”), which will be one of the following:

(a) Wallet-First: your transactions are funded from your Wallet via a Stablecoin Sale; if your Wallet balance is insufficient to cover a transaction, that transaction is instead funded entirely from your Account balance, to the extent sufficient. If both your Wallet balance and your Account balance are insufficient, the transaction will be declined.

(b) Fiat-First: your transactions are funded from your Account balance; if that balance is insufficient to cover a transaction, that transaction is instead funded entirely from your Wallet via a Stablecoin Sale, to the extent sufficient. If both your Account balance and your Wallet balance are insufficient, the transaction will be declined.

(c) Fiat-Only: your transactions are funded solely from your Account balance; if that balance is insufficient to cover a transaction, the transaction will be declined, and no Stablecoin Sale will occur.

(d) Wallet-Only: your transactions are funded solely from your Wallet via a Stablecoin Sale; if your Wallet balance is insufficient to cover a transaction, the transaction will be declined, regardless of any balance in your Account, and no amount will be drawn from your Account.

A given transaction will be funded entirely from a single source, as determined by the applicable Funding Configuration described above. Your Account balance and your Wallet balance will never both be drawn on to fund the same transaction.

4.2 Your Funding Configuration. Your current Funding Configuration is disclosed to you by Platform Provider and is viewable in the Anytime Capital app.

4.3 Contemporaneous Stablecoin Sale. Where a transaction is funded from your Wallet under this Section, initiating the transaction authorizes LSP to (i) initiate the sale of Stablecoins from your Wallet in an amount sufficient to cover the Fiat Currency needed to complete the transaction, and (ii) credit the Fiat Currency proceeds to your Account, with authorization of the transaction and the related Stablecoin Sale occurring as a single, contemporaneous action rather than as separate load-then-spend steps.

INITIATING A TRANSACTION WITH YOUR CARD, IN ANY AMOUNT, CONSTITUTES YOUR EXPRESS AND IRREVOCABLE CONSENT TO THE FUNDING OF THAT TRANSACTION IN ACCORDANCE WITH THE APPLICABLE FUNDING CONFIGURATION, INCLUDING, WHERE APPLICABLE, A STABLECOIN SALE AND CREDIT OF THE PROCEEDS TO YOUR ACCOUNT. YOU CANNOT CANCEL A TRANSACTION ONCE INITIATED AND AUTHORIZED.

4.4 Availability of Stablecoin Sale Proceeds. Because a Stablecoin Sale that funds a Card transaction is contemporaneous with that transaction as described in Section 4.3, the proceeds are available in your Account promptly after you initiate the Card transaction. (Section 4.4 of the Accountholder Agreement, which addresses standalone Stablecoin Sales you initiate separately, does not apply to Card transactions.)

Whenever a transaction is to be funded from your Wallet and your Account balance is not available as a backup funding mechanism under the applicable Funding Configuration, that transaction may be declined if the related Stablecoin Sale cannot be completed for any reason, including because the underlying blockchain network is congested or unavailable, or the relevant Stablecoin’s value has deviated from its intended peg. See Section 13 of the Accountholder Agreement for related liability provisions.

4.5 The Stablecoin Sale Disclaimer in Section 4.3 of the Accountholder Agreement applies in full to Stablecoin Sales that fund Card transactions.

5.1 Where You Can Use It. Your Card may be used at any merchant bearing the Visa or Maestro acceptance mark, in person or online. Transactions will be deducted from your Account. You may not spend more than the value available on your Account, including after applicable Stablecoin Sales; transactions exceeding your available funding may be declined.

5.2 Transaction Limits. Your maximum per-transaction limit is $2,000. We may impose further limits or restrictions on amount, number, frequency, or type of Card transactions. If we lower a limit, or otherwise impose a stricter limitation on the frequency or dollar amount of your transactions, we will give you at least 21 days’ advance written notice, as required by 12 C.F.R. § 1005.8(a) — except that we may impose a limit immediately, and notify you afterward, where necessary to maintain or restore the security of your Account or the Program, as permitted by 12 C.F.R. § 1005.8(a)(2). We may raise a limit at any time without prior notice. These limits are in addition to the Account-level limits in Sections 4.6 and 5.6 of the Accountholder Agreement.

5.3 Uses Not Permitted. Your Card may not be used at ATMs or for person-to-person transfers. You may not use the Card for any illegal transaction. The restrictions in Section 5.8 of the Accountholder Agreement also apply.

5.4 Fraud Prevention. Section 8.1 of the Accountholder Agreement applies to your Card, and we may block, suspend, or cancel your Card on the same terms and in the same circumstances described there. Suspending or cancelling your Card does not by itself suspend or close your Account.

5.5 Stop Payments. You do not have the right to stop payment on a purchase transaction initiated with your Card other than a recurring payment as described in Section 6.4.

5.6 Returns and Refunds. If entitled to a refund, you agree to comply with the merchant’s refund policy; disputes about goods or services must be handled directly with the merchant in the first instance (see Section 12 of the Accountholder Agreement for your separate Regulation E dispute rights, which are not the same thing). Any refund or credit will be credited back to the source of the original transaction: fiat to your Account, or Stablecoin to your Wallet via a Stablecoin Purchase made by LSP on your behalf. INITIATING A REFUND OF A CARD TRANSACTION CONSTITUTES YOUR EXPRESS AND IRREVOCABLE CONSENT TO A STABLECOIN PURCHASE.

5.7 Pre-Authorization Holds. Certain merchants may place a hold on funds greater than the purchase price. It may take up to seven (7) business days for a hold to be released. During the hold period, held funds are unavailable to you.

5.8 Negative Balance. If a Card transaction causes a negative balance in your Account, Section 8.2 of the Accountholder Agreement applies. Because your Wallet is a self-custody wallet over which neither Bank nor Program Manager has signing authority, neither Bank nor Program Manager has any right to initiate a transfer from your Wallet without your independent authorization.

6.1 Introduction. This Section 6 supplements Section 10 of the Accountholder Agreement (Bank’s initial disclosure of terms and conditions under 12 C.F.R. § 1005.7 and § 1005.18(f)(1)) with respect to the additional electronic fund transfer service represented by your Card. It is provided to you before your first Card transaction.

6.2 Additional Types of Transfers. With your Card, you may make purchases via one-time or recurring payments at merchants accepting Visa or Maestro, in person or online, as described in Section 5. Your Card may not be used for ATM withdrawals, ATM balance inquiries, or person-to-person transfers. Your maximum per-transaction limit is $2,000, as described in Section 5.2.

6.3 Your Liability for Unauthorized Card Transactions. Tell us AT ONCE if you believe your Card has been lost, stolen, or compromised, or that a transaction was made without your permission. Call 855-516-0103, email support@lightsparkpayments.com, or write to 8605 Santa Monica Blvd, PMB 64461, West Hollywood, CA 90069, United States. Your liability is limited as described in Section 12.2 of the Accountholder Agreement, and the error resolution procedures in Sections 12.3 and 12.4 of the Accountholder Agreement apply to Card transactions.

6.4 Preauthorized Card Transfers; Your Right to Stop Payment. If you have authorized a merchant to charge your Card on a regular, recurring basis — for example, a subscription or membership — you have the right to stop those payments.

(a) How to stop a recurring payment. Call us at 855-516-0103 or write to us at 8605 Santa Monica Blvd, PMB 64461, West Hollywood, CA 90069, in time for us to receive your request at least three (3) business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing and get it to us within fourteen (14) days after you call.

(b) Cancelling with the merchant. Stopping payment through us does not cancel your agreement with the merchant. You should also contact the merchant to cancel. If you do not, the merchant may continue to attempt to charge you, may charge you through another method, or may treat your agreement as unpaid.

(c) If the amount varies. If your recurring payments may vary in amount, the merchant is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may instead choose to be told only when the payment differs by more than a certain amount from the previous payment, or falls outside limits you set.

(d) Our liability. If you order us to stop one of these payments at least three business days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

6.5 Right to Receipts and Periodic Statements. You may obtain a receipt at the time you make a Card transaction at a terminal, where applicable. Your Card transactions appear in the Account balance and transaction history described in Section 7 of the Accountholder Agreement, including the access to information required by 12 C.F.R. § 1005.18(c). Periodic statements will be provided to the extent required by applicable law.

6.6 Fees. Neither Bank nor Program Manager charges you a fee for using your Card to make a purchase. Section 9 of the Accountholder Agreement governs fees, and Section 11 of this Card Supplement describes fees specific to the Card.

7.1 Platform Provider determines how you access your Card (physical, virtual, and/or provisioned to a digital wallet such as Apple Pay/Google Pay). You are responsible for all transactions you authorize, and for safeguarding your credentials as described in Section 7.1 of the Accountholder Agreement. Use of a Card in a digital wallet is also subject to the Anytime Capital Digital Wallet Terms and the digital wallet provider’s own terms.

8.1 The Card operates on the Visa network and, for certain transactions, on the Maestro network operated by Mastercard International Incorporated.

8.2 Routing. For each transaction capable of being routed over more than one payment network, the network used to process that transaction is generally selected by the merchant or the merchant’s payment processor, consistent with applicable law, and not by you or by Bank.

8.3 No Effect on Your Account. The network used to process a transaction does not affect the transaction amount, the timing of when it is deducted from your Account, or your rights and protections under this Card Supplement or the Accountholder Agreement, including your rights under Section 12 (Unauthorized Transfers and Error Resolution) and Section 13 (Our Liability for Failure to Make Transfers) of the Accountholder Agreement, which apply to all transactions.

8.4 Network-Specific Rules. Each payment network maintains its own operating rules and dispute-resolution procedures, in addition to the rights provided to you under this Card Supplement, the Accountholder Agreement, and applicable law. If a network’s own rules provide a dispute-resolution channel different from the process described in Section 12 of the Accountholder Agreement, we will inform you of that channel upon request.

8.5 Compliance with Network Rules. Section 22.2 of the Accountholder Agreement applies to your Card, and use of your Card is subject to the rules and customs of each payment network involved in your transactions.

9.1 For the avoidance of doubt, your Card is being issued by a U.S. domiciled financial institution under U.S. law, consistent with Section 22.3 of the Accountholder Agreement.

10.1 Contact Platform Provider to request a replacement Card. There is no fee to replace a virtual Card. Replacing a physical Card costs $10.00, and optional expedited delivery of a physical Card costs $25.00, as set out in Exhibit A of the Accountholder Agreement. For customer service, contact Program Manager at 855-516-0103 or support@lightsparkpayments.com, as described in Section 16 of the Accountholder Agreement.

§ 10.2 Card Expiration and Reissuance. We will send your replacement Card to the address we have on file. Keep your address current with Platform Provider. If a recurring payment is charged to your Card and the merchant participates in the applicable payment network’s account updater service, your new Card information may be provided to the merchant automatically. If it is not, you will need to give the merchant your new Card information, or the recurring payment may be declined.

11.1 Neither Bank nor Program Manager charges you any fee for issuing your Card or for using your Card to make a purchase. Section 9 of the Accountholder Agreement otherwise governs.

11.2 Network and Third-Party Fees. In addition to the fees described in Section 9.3 of the Accountholder Agreement, fees may apply that are imposed by parties other than Bank or Program Manager in connection with Card transactions, including any foreign transaction fee imposed by Visa or Maestro and fees imposed by a merchant, if any.

11.3 Platform Provider Fees. Platform Provider may charge its own fees in connection with the Card, as described in Section 9.2 of the Accountholder Agreement.

12.1 You May Cancel. You may cancel your Card at any time by contacting Platform Provider. Cancelling your Card terminates this Card Supplement. Your Account remains open and the Accountholder Agreement remains in effect, and you may continue to fund your Account and transfer funds out of it as described in Sections 4 and 5 of the Accountholder Agreement.

12.2 We May Cancel. We may amend or change this Card Supplement, or cancel or suspend your Card, at any time, on the terms and subject to the notice requirements set out in Section 20 of the Accountholder Agreement, which applies to this Card Supplement as if set out here in full. Cancellation of your Card by us does not by itself close your Account.

12.3 Closing Your Account. Closing your Account under Section 14 of the Accountholder Agreement automatically and immediately terminates your Card and this Card Supplement. Disposition of any remaining balance is governed by Section 14.1 of the Accountholder Agreement.

12.4 Obligations Survive. You remain liable for all obligations arising from Card transactions before cancellation, including any negative balance, pending pre-authorization holds, and pending disputes.

12.5 You May Re-Apply. If you cancel your Card, you may request a new Card at any time, subject to Section 2. You will be asked to accept this Card Supplement again.

13.1 This Card Supplement, together with the Accountholder Agreement and any other terms and conditions, policies, appendices, or agreements referenced in either document, constitutes the entire agreement between you and Bank concerning the Card, subject to Section 22.10 of the Accountholder Agreement (Relationship to Other Agreements; Order of Precedence), which governs the relationship between the Bank Agreements, the Grid Terms, and the Platform Terms, and which applies to your Card and to Card transactions. Section 22.10(c) (Linked Transactions) applies to any Card transaction funded from your Wallet under Section 4 of this Card Supplement. This Card Supplement supersedes any prior agreement or terms between you and Bank specifically with respect to a Card.