Lili Account Agreement Terms and Conditions  

Welcome to Lili!  

This Account Agreement is effective 7/19/2026 (V1.20).

IMPORTANT – Please read carefully and retain this Account Agreement for your records.  

1.0 Account Agreement  

Your Account (defined below) is provided by Sunrise Banks, N.A., Member FDIC (“Sunrise” or “the Bank”),  which is also the issuer of your Lili Visa^® Debit Card (“Lili Card” or “Card”). Sunrise is an FDIC insured, equal  opportunity lender. Lili App Inc. (“Lili”) is a program manager and service provider to Sunrise. In that role, Lili is  responsible for providing access and other services to facilitate your use of the banking products and services  provided by Sunrise. Lili is a financial technology company, not a bank. Lili does not provide your Account or  any other banking services. This Account Agreement (the “Agreement”) contains the rules that govern, where  appropriate, your Account(s) and Card(s). “We” or “us” means Sunrise and, in its capacity as a service provider  to the Bank, Lili. If you have any questions about this Agreement, please contact us at [email protected]. The  words “you” and “your” mean each Account Owner and anyone else with authority to deposit, withdraw, or  exercise control over an Account.  

1.1. Consent to Agreement  

By applying for an Account or enrolling in Services, you agree to be bound by this Agreement and agree to pay  any fees that may be imposed. This Agreement incorporates by reference any disclosures we give you when  you open your Account, subsequent disclosures we provide in connection with an Account or Services,  periodic statements, user guides, the applicable privacy policies, and any other disclosure or terms we provide  to you in connection with an Account or Services, in each case as may be amended from time to time. Your  opening and use of an Account or Card is subject to the Sunrise Privacy Policy, which is available here and Lili  Privacy Policy, which is available here. You authorize and expressly direct Sunrise to provide your personal  information to Lili, a non-affiliate.  

1.2. Definitions  

“Account” means a checking or savings account with Sunrise that is opened through Lili.  

“Additional User” means a beneficial owner of the business who owns at least 25% of the business and who  has been given access to the Account by the Owner.  

“Business Account” means an Account established primarily for commercial purposes that is not held or  maintained primarily for personal, family, or household purposes as defined under Article 9 of the Uniform  Commercial Code (“UCC”) and is established under the name through which the business or operation is  conducted and presented to the public.  

“Card” means the Lili Card issued by Sunrise for carrying out all Card Transactions from an Account, as  provided for in this Agreement.  

“Card Transactions” means any payment made for goods or services, cash withdrawals from an ATM or  transfer of funds made through the use of the Card or the Card number.  

“EIN” means the tax / employer identification number received from the Internal Revenue Service (IRS).  

“Owner” means the person who opened the Account and who controls the Account, and who has authority to  grant Additional User access for beneficial owners who own at least 25% of the business.  

“PIN” means a personal identification number. 

“Service” means a bill payment service, electronic funds transfer service, mobile deposit service, or any other  financial product, feature, or service provided by Sunrise and accessed and made available through the Lili  App.  

Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so  that the singular includes the plural and the plural includes the singular.  

1.3. Modifications and Necessary Adjustments  

We may amend or change any terms of this Agreement or any disclosures and documents provided to you.  Notice of the amendment or change will be provided to you as required under applicable law.  

We may make adjustments to your account from time to time. This may be due, for example, to an error or the  return of an item you deposited which was unpaid or if a deposit is posted in the wrong amount. We may also  cancel or suspend your Account, Lili Card, other Services, or this Agreement at any time at our sole discretion.  

If at any time the terms, conditions or fees associated with your Account are not acceptable to you, you may  terminate this Agreement by closing your Account after paying any fees or charges owed to us.  

1.4. Business Days  

For purposes of this Agreement, our business days are Monday through Friday, unless stated otherwise.  Federal bank holidays are not included.  

1.5. Waivers and Precedents  

Any waiver by us must be approved by an authorized representative of Lili and/or the Bank, as applicable. If a  waiver is approved by us, we are not obligated to provide similar waivers in the future.  

1.6. Customer Identification Notice (USA PATRIOT ACT)  

To help the government fight the funding of terrorism and money laundering, Federal law requires all financial  institutions to obtain, verify, and record information that identifies each person who opens an account.  

This means that when you open an Account or use our Services, we may ask for your name, address, date of  birth, and social security number (SSN) and any other information that will allow us to identify you. We may  also ask to see other identifying documents such as driver’s license or other documents that validate your  identity.  

We may also ask for your business’s legal name, EIN, legal address, state of incorporation, and other  information that will allow us to identify your business. We may also require proof of legal formation such as  articles of incorporation, partnership agreement, fictitious business name registration (DBA) or other such  business formation documents to add a business name to your Account. We may also require the identifying  information listed above regarding the owner or owners of the business, as well as the percentage of  ownership of all business owners (ultimate business owners (”UBOs”)) who own 25% or more of the business.  

Even if you are an existing customer of ours, we may ask you to provide this kind of information and  documentation because we may not have collected it from you in the past or we may need to update our  records.  

If, for any reason, you are unable or unwilling to provide the information necessary to verify your identity, the  personal identity of all business owners (UBOs) who own 25% or more of the business, or the identity of your  company is not able to be confirmed, your Account may be suspended or closed, which may result in  additional fees assessed to the Account. 

You are responsible for the accuracy and completeness of all information supplied to us in connection with  your Account and the Services provided and for notifying us if you move or change your email address or  telephone number or if there are any other changes to the information you have provided.  

During the account opening process or thereafter, we may ask for additional information as part of our customer  due diligence review or for risk management purposes. You agree to comply promptly with any such requests.  We reserve the right to reject any application or suspend or close your account based on your failure to comply  with our requests or based on our risk appetite. For risk management purposes, such as to prevent fraud or  money laundering, we may block transactions with certain merchants or merchant categories, or we may block  activities in certain countries.  

2.0 Business Accounts Only  

We offer Business Accounts for commercial purposes only in the 50 US states, the District of Columbia, and Puerto Rico.  Only business Owners 18 or older (or 19 in Nebraska or Alabama) who can form a legally binding contract can  open an Account and use our Services. We may impose other restrictions as well. Examples of businesses  supported include, but are not limited to, individuals acting as sole proprietors, single member limited liability  companies (LLC), and multi-party companies such as a general partnerships, limited partnerships (LP), limited  liability partnerships (LLP), limited liability companies (LLC) or corporations (S-Corp or C-Corp). We do not open accounts  for Trusts or non-US based charitable organizations.  

We will add a fictitious business name (DBA) to any sole proprietor Account if appropriate registration of the  DBA is provided and can be verified.  

By opening a Business Account with us, you certify to us that you will use the Account and any sub accounts  primarily for commercial purposes and not primarily for personal, family or household purposes as defined  under Article 9 of the Uniform Commercial Code (“UCC”.)  

2.1 Additional User  

Account Owner may add an Additional User(s) to the Account. The Additional User must be a beneficial owner of the Account, holding 25% or more ownership in the business. Owner and Additional Users are responsible for all authorized transactions initiated and fees incurred by use of the Account. If an Additional User is permitted access to Account, Account number(s), or PIN, we will treat this as if the Owner has authorized such use and both Owner and Additional User will be liable for all transactions and fees incurred by such person(s). Owner and Additional User are wholly responsible for the use of Account according to this Agreement and any other rules we may publish from time to time. Account Owner is responsible for terminating any Additional User’s access to Account by contacting customer support by email at [email protected] or by phone at 855-545-4380. We may continue to recognize an Additional User’s authority until we receive notice from the Owner and have had a reasonable time to act upon and process an access termination request from the Account Owner. This feature is available to legal entity customers, not sole proprietorships

2.2 Authorized Viewer  

Account Owner may allow authorized persons, such as an accountant, to view account information. This authorized person is defined in this Agreement as an “Authorized Viewer.” If you grant access to an Authorized Viewer, such individuals will have view-only access to the Account and will not be able to conduct activity in the account, except that the Authorized Viewer may be able to categorize account transactions such as expenses incurred in the account for purposes of accurate accounting and tax reporting. Given the sensitive nature of the information you will be sharing with the Authorized Viewer, you should carefully consider whether to grant such access. 

We are making you aware of the following important information before you provide account access to an Authorized Viewer: 

• The Authorized Viewer will be able to review, print, download, and save your account information, including but not limited to your tax information, balances, transactions, statements, invoices, and other non-public information such as your account number and mailing address;
• The Authorized Viewer will have access to your account until you terminate his or her access or until you close the account;
• The Authorized Viewer will not have the ability to conduct transactions, move money into or out of your Account, or change your account settings.

If you grant access to an Authorized Viewer on the Lili App or website, you authorize Lili and Sunrise to provide the Authorized Viewer access to the Lili Account. You consent to and authorize Lili and Sunrise to give the Authorized Viewer the ability to review, print, download, save, and distribute Account data, including statements, transaction history, and certain Account profile information, and to categorize transactions for purposes of accounting and tax preparation. You understand that by granting such access to the Authorized Viewer, he or she will have access to confidential personal and business information in the Account, including your mailing address and account number. You understand that the information available to the Authorized Viewer will include non-public personally identifiable information about you and any other Authorized Users. By checking the “I Agree” or other similar button in the Lili App or website, you direct and provide consent to Lili and Sunrise to share your non-public personally identifiable information with the Authorized Viewer. You agree that you will indemnify and hold harmless Lili and Sunrise from any and all matters arising from the  authorization and that Lili and Sunrise are not responsible in any way for any damages that may arise from your granting such access to the Authorized Viewer. If this Account is a legal entity account, such as an LLC, S Corp, C Corp or Partnership, you attest that you have authority on behalf of the legal entity to grant such access to this Account.

2.3 Account Administrator

Account Owner may add one Account Administrator to the Account. The Account Administrator must be affiliated with the business that owns the Account (such as an office manager, bookkeeper or other trusted employee). Account Owner is responsible for all transactions initiated and fees incurred by use of the Account by the Account Administrator. If an Account Administrator is permitted access to Account, we will treat this as if the Account Owner has authorized such use and the Account Owner will be liable for all transactions and fees incurred by such person(s). For the avoidance of doubt, Account Owner is wholly responsible for the use of Account by the Account Administrator, according to the terms of this Account Agreement and any rules published by us. Account Owner is responsible for terminating an Account Administrator’s access to the Account by contacting customer support by email at [email protected] or by phone at 855-545-4380. We may continue to recognize an Account Administrator’s authority until we receive notice from the Account Owner and have had a reasonable time to act upon and process an access termination request. The Account Administrator will have the ability to deposit and withdraw funds by ACH, wire, or check. Given the sensitive nature of the information you will be sharing with the Administrator, as well as the ability to move funds into and out of the Account, except by use of a debit card, you should carefully consider whether to grant Account Administrator access to any individual, and you should monitor the account activity carefully to ensure that the activity is consistent with the interests of the company. By granting Account access to the Administrator, he or she will have access to nonpublic personal information contained in the account, including the social security number of Account Owner, account number, mailing address, telephone number, and email address, as well as such nonpublic personal information about each and every Authorized User. The Account Administrator will have the ability to move funds into and out of the account, except by use of a debit card, just as any Authorized User.

Prior to appointing an Account Administrator, you must sign an Account Administrator Authorization Form, and the Account Administrator must sign an Account Administrator Attestation and Agreement. This feature is available to legal entity customers, not sole proprietorships.

2.4 Manager

Account Owner may add one Manager to the Account. The Manager must be affiliated with the business that owns the Account (such as an office manager, bookkeeper or other trusted employee). Account Owner is responsible for all transactions initiated and fees incurred by use of the Account by the Manager. If a Manager is permitted access to an Account, we will treat this as if the Account Owner has authorized such use and the Account Owner will be liable for all transactions and fees incurred by such person(s). For the avoidance of doubt, Account Owner is wholly responsible for the use of Account by the Manager, according to the terms of this Agreement and any rules published by us. Account Owner is responsible for terminating a Manager’s access to the Account by contacting customer support by email at [email protected] or by phone at 855-545-4380. We may continue to recognize a Manager’s authority until we receive notice from the Account Owner and have had a reasonable time to act upon and process an access termination request.

The Manager will have a limited ability to deposit funds by ACH or wire, and a limited ability, upon approval by the Account Owner or a designee, to withdraw funds by ACH, check or wire. Given the sensitive nature of the information you will be sharing with the Manager, as well as the limited ability to move funds into and out of the Account, except by use of a debit card, you should carefully consider whether to grant the Manager access to the Account, and you should monitor the Account activity carefully to ensure that the activity is consistent with the interests of the company. By granting Account access to the Manager, he or she will have access to nonpublic personal information contained in the Account, including the account number and email address, as well as nonpublic personal information about each and every Authorized User. The Manager will have a limited ability to move funds into and out of the account, except by use of a debit card, just as an Account Administrator. Prior to appointing a Manager, you must sign a Manager Authorization Form, and the Manager must sign a Manager Attestation and Agreement. This feature is available to legal entity customers, not sole
proprietorships.

2.5 Tax Professional

Account Owner may add one Tax Professional to the Account. Account Owner is responsible for all Account
transactions initiated and fees incurred by the Tax Professional. If a Tax Professional is permitted access to an
Account, we will treat this as if the Account Owner has authorized such use and the Account Owner will be
liable for all transactions and fees incurred by such person(s). For the avoidance of doubt, Account Owner is
wholly responsible for the use of Account by the Tax Professional, according to the terms of this Agreement
and any rules published by us. Account Owner is responsible for terminating a Tax Professional’s access to
the Account by contacting customer support by email at [email protected] or by phone at 855-545-4380. We may
continue to recognize a Tax Professional’s authority until we receive notice from the Account Owner and have
had a reasonable time to act upon and process an access termination request.

The Tax Professional will have no ability to deposit funds to the Account. You may grant the Tax Professional a
limited ability, upon approval by the Account Owner or a designee, to withdraw funds by ACH, check or wire.
Given the sensitive nature of the information you will be sharing with the Tax Professional, as well as the
limited ability to move funds out of the Account, except by use of a debit card, you should carefully consider
whether to grant the Tax Professional access to the Account, and you should monitor the Account activity
carefully to ensure that the activity is consistent with the interests of the company. By granting Account access
to the Tax Professional, he or she will have access to nonpublic personal information contained in the Account,
including the account number and email address, as well as nonpublic personal information about each and
every Authorized User. The Tax Professional also will have broad ability to create invoices, pay bills, generate
reports, and characterize transactions for tax purposes. Prior to appointing a Tax Professional, you must sign a
Tax Professional Authorization Form, and the Tax Professional must sign a Tax Professional Attestation and
Agreement. If the Tax Professional is granted authority to withdraw funds from the Account, we will require the
Tax Professional to provide us with personally identifiable information so that we can verify his or her identity. If
we are unable to do so, we will deny the Tax Professional access to the Account. We may revoke such access
at any time, for any reason, or for no reason. This feature is available to legal entity customers, not sole
proprietorships.

3.0 Product Disclosures  

We make available $3 million of FDIC insurance coverage through a bank deposit sweep program. By opening and maintaining your Account, you are authorizing us to withdraw funds over $246,500 from your Account at the end of each Business Day and, as your agent and custodian, place them in deposit accounts (Sweep Accounts) at other FDIC-insured banks (Sweep Banks) that we will establish for your benefit. By participating in this bank deposit sweep program, your funds are insured up to a maximum of $3 million. Please read the Sunrise Banks Customer Agreement Addendum – Sweep Arrangements carefully to learn the details of this program. The Sunrise Banks Customer Agreement Addendum is incorporated into this Agreement by this reference.

3.1 Lili Core Account  

The Lili Core Account is a non-interest-bearing business checking account, which does not include a traditional “checkbook” feature. All transactions are conducted via the debit card or electronic funds transfer services. You may link the Lili Core Account to an interest-bearing Savings Account, and you may also establish a daily dollar amount to be moved once a week from your Lili Core Account to your Savings Account. Account customers also will receive the following feature:

• Cashback Awards on Purchases. Lili Core Account customers will receive a Lili Card with eligibility
  for cashback awards from participating merchants through the Visa SavingsEdge program. You can
  use the Lili Card at participating merchants to get cash back on qualifying purchases. Once enrolled, cashback awards will be provided as a statement credit to your Lili Core Account. For more information, please refer to Section 9.2.

3.1.1 Lili BusinessBuild Card

If you are not a sole proprietorship, you may be eligible to apply to CapitalOS, Inc. or CapitalOS Financial Services LLC, as applicable (collectively, “CapitalOS”) for a credit card and related line of credit (collectively, “Lili BusinessBuild Card”). Your application will be made directly to CapitalOS, and may be through an interface located on the Lili App or website. If CapitalOS approves your application, CapitalOS will require that you maintain funds in your Account that acts as collateral for liabilities that you incur by use of your Lili BusinessBuild Card (“Collateral“). If you do not provide Collateral timely, the activation or use of the Lili BusinessBuild Card may be delayed. You grant to Lili, as agent for CapitalOS, a lien and security interest in and to the Collateral and the Account. You authorize Lili, as agent for CapitalOS, to take all actions and file all documents necessary or desirable to perfect the interests in and to the Collateral and agree to execute all documents to create, perfect, maintain and enforce this security interest. The Collateral will be held in a sub-account of your Account, and you understand and agree: (1) you may not withdraw the Collateral from your Account without the consent of CapitalOS; (2) if you fail, when required to do so, to pay any amounts related to charges, fees, penalties, finance charges, and other amounts incurred through use of your Lili Secured Credit Card (“Amounts Due”), you authorize CapitalOS to instruct Lili to transfer Collateral from your Account in an amount of and to satisfy all Amounts Due; and (3) if CapitalOS is unable to collect Amounts Due from your Collateral, or if the Amounts Due exceeds the amounts or proceeds available from your Collateral, CapitalOS may instruct Lili to debit outstanding Amounts Due from your available balance in your Account or require you to immediately wire transfer the amount of any uncollected Amounts Due. You irrevocably authorize and direct us to comply, and we shall comply, with instructions from CapitalOS or its agent, Lili, to make or permit withdrawals, payments, or other transfers from your Account and any other Account instructions from CapitalOS or Lili without your further consent or notice to you. This section will cease to apply upon termination of your CapitalOS User Agreement. For clarity, the Lili BusinessBuild Card, and any related line of credit, is exclusively provided by CapitalOS, and Lili does not act as broker or solicitor for the Lili BusinessBuild Card. 

3.1.2 Lili BusinessBuild Feature

To be eligible for the Lili BusinessBuild Card, you also must be enrolled in “BusinessBuild”, a feature that allows customers (except sole proprietorships) to apply for and maintain the Lili BusinessBuild Card and monitor their business credit profile through Dun & Bradstreet (D&B). The feature allows customers to view their D&B business credit file, including six D&B scores and ratings, and to receive alerts to any changes in those scores and ratings. Additionally, customers will have access to business credit training and guidance to help their business grow. This feature is available with any account type for an additional fee, as listed in our Schedule of Fees below. You must pay this and any other fees due under this Agreement timely to maintain eligibility for this feature, including the BusinessBuild Card. This feature is not available in all states.

3.2 Monthly Fee-Based Account Types  

3.2.1 Lili Pro Account  

Account holders have the option to upgrade their Lili Core Account to the Lili Pro Account, which includes all the core banking features of a Lili Core Account, but for a monthly or annual fee (listed in Section 3.6 Account  Fees) provides the additional banking and non-banking features described below. A Lili Pro Account can be  established at initial registration, or at any time after opening an account through the Lili App. 

3.2.1.1 Lili Pro Banking Features  

Lili Pro Accounts include the same core banking features as Lili Core, along with these additional  banking features.  

• Tax Bucket. A separate non-interest-bearing sub-account called a “tax bucket” is also available for use  with the Lili Pro Account. This feature is offered instead of the “emergency bucket.” Deposits to and withdrawals from the Tax Bucket must come through the main checking Account. Tax Bucket funds will not be used for debit card charges in the main checking Account unless you transfer such funds to the main checking Account prior to incurring such charges. 

3.2.1.2 Lili Pro Expense Management Features  

Lili Pro Accounts offer additional value-added expense management features.  

• Scan and save receipts  
• Categorize expenses  
• Generate expense reports  

We reserve the right to make changes to our expense management features at any time with or without any  prior notice. For more details on current expense management features offered with the Lili Pro Account,  please refer to the Lili App.  

3.2.2 Lili Smart Account  

A Lili Smart Account can be established at initial registration, or at any time after opening an account through the Lili App. Account holders may upgrade their Lili Core Account or Lili Pro Account to the Lili Smart Account  for a monthly fee (listed in Section 3.6 Monthly Account Fees.) 

The Lili Smart Account provides all the banking and expense management features of the Lili Pro Account described in Sections 3.2.1.1, Banking Features and 3.2.1.2. Lili Pro Expense Management Features, along  with the following additional accounting features:  

• Categorize Income and Expense  
• Generate Financial and Accounting reports 
• Tax Preparation Reports  
• Invoicing and Payments  

We reserve the right to make changes to our expense management and accounting features at any time with  or without any prior notice. For more details on current expense management and accounting features offered  with the Lili Smart Account, please refer to your Lili App.  

3.2.3 Lili Premium Account  

A Lili Premium Account can be established at initial registration, or at any time after opening an account  through the Lili App. Account holders may upgrade their Lili Core, Lili Pro, or Lili Smart Account to the Lili  Premium Account for a monthly fee (listed in Section 3.6 Monthly Account Fees.)  

The Lili Premium Account provides all the banking, expense management and accounting features of the Lili  Smart Account as described in Sections 3.2.1.1, Banking Features, 3.2.1.2. Lili Pro Expense Management  Features, and in Section 3.2.2 Lili Smart Account, along with the following additional premium features:  

• A metal Lili Card  
• VIP Customer Service-Dedicated account specialists to respond to your needs.  

We reserve the right to make changes to our expense management and accounting features at any time with  or without any prior notice. For more details on current expense management and accounting features offered  with the Lili Premium Account, please refer to your Lili App.  

3.3. Opening Balance and Account Requirements  

There is no minimum balance requirement to open an Account. You agree to maintain a positive balance and not incur overdrafts. If you manage your Account in such a way that it results in a negative balance or becomes overdrawn, you agree to rectify the matter by transferring sufficient funds from your Savings Account, tax bucket, or external account to pay the overdrawn balance within three (3) business days. We reserve the right to offset negative balances in your Account from your tax bucket or Savings Account. Your failure to bring your Account to a positive balance may result in the suspension or termination of your Account or the Services. Further action may be taken if you do not remedy the situation within the required timeframe, which can include: (1) the reporting of your negative balance to a reporting agency; (2) legal action; (3) charging you fees for the overdraft in accordance with our Schedule of Fees (as applicable); and/or (4) referring your Account to a third-party collection agency. We also reserve the right to close any Account that has a zero balance or has no transaction activity for at least 180 days (6 months). 

3.4. Rate Information  

3.4.1 Checking Accounts  

Lili Core, Lili Pro, Lili Smart, and Lili Premium Accounts feature non-interest-bearing checking accounts.  

3.4.2 Savings Account  

Interest will be paid on the portion of balances up to and including $1 million in Savings Accounts that are in good standing (all monthly fees have been paid). The portion of balances over $1 million will not accrue  interest. Interest paid on Savings Accounts will begin to accrue the day funds are moved to the Account.  Interest will be compounded on a daily basis method (this method applies a daily periodic rate to the principal in the Account each day) and credited once a month on the first day of the following month and will be posted  to the savings Account. The Annual Percentage Yield (APY) shown in conjunction with the interest rate  assumes all funds (including interest earned) will remain on deposit. If you close your savings Account before  interest is credited, you will not receive the accrued interest. Any withdrawals will reduce the earned APY. Fees  may reduce earnings. A balance of at least $.01 is required to obtain the APY. We reserve the right to use any  funds, including interest earned, in the savings account to cover any unpaid monthly plan fees or any other  amounts due to us. 

The Savings Account is a variable rate account. We may change the interest rate and Annual Percentage Yield  (APY) at our discretion. Rates may change at any time. To obtain the current interest rate and APY visit the legal documents page on our website.  

3.5. Posting Order  

We process items in the order in which we receive them.  

3.6. Account Fees  

See Appendix A – Master Fee Schedule, which is attached hereto and incorporated herein by reference, for a list of account fees.

3.7. Transaction Limits  

The following transaction limits apply to all Lili Account types, except where indicated. We reserve the right to restrict any feature below or lower these limits on any Account or Account type for risk management purposes. Upon your request, we may increase one or more of the limits below for legal entity customers. Higher limits are not available for sole proprietorships or Core Plan customers. Your account must be open, active, and in good standing for ninety (90) days before we consider any request to increase the limits below. To be eligible, among other criteria, there must not have been any ACH or check returns in your account during the prior ninety (90) days. Also, you must be current on your fee payments. Any such increase is at our sole discretion and may be revoked at any time, for any reason, or for no reason.

Type	Limits
ACH Inbound (Linked Account)	$5,000 per month
ACH and Wire Transfer, Outbound   (Combined limit, including Express ACH)	$50,000 per day $250,000 per month
ACH Inbound (Direct Deposit one-time or recurring)	No maximum limit
Wire Transfer-Inbound	No maximum limit
Debit Card-ATM Withdrawal or Point of Sale cash back	$1,000 per cardholder per day
Debit Card Purchases	$10,000 per cardholder per day No limit per month
Cash Deposit	$1,500 per cardholder per day $3,500 per cardholder per week $5,000 per cardholder per month

Type	Limits
Mobile Check Deposit	Up to $50,000 per month Lower dollar limits and limits on the number of checks accepted for deposit may apply to individual Accounts or Account types for risk management purposes.
Mail a Check	$25,000 per check $100,000 per month

3.8 Bonus programs  

Please refer to the specific terms and conditions for any bonus campaign which may be offered from time to time.  

4.0 Deposits to Accounts  

4.1. Deposits  

All items deposited will be handled by us as an agent on your behalf.  

• All mobile deposit checks submitted for deposit must be made payable to you.  
• We do not accept third-party checks.  
• We do not accept deposits in foreign funds or checks drawn on banks outside the United States. 
• We do not accept funds debited from an account that is not in your name.  
• We do not accept ACH or direct deposits not in your name.  
• We do not accept in-person or mailed cash or check deposits.  

We reserve the right to reject a deposit if it is made payable to Lili or Sunrise and contains no other information that might assist us in identifying the Account to which it should be deposited. We reserve the right to refuse any other type of deposit if we believe it is fraudulent, will not be paid, it is not made payable to you, or is otherwise suspicious in nature. We will not be held liable if such action causes outstanding items to be dishonored and returned, or payment orders to be rejected. Refused deposits will be returned to the sender.  

All deposits will be credited to your Account in accordance with our Funds Availability Policy. If you need to be  sure when a particular deposit will be available for withdrawal, you can verify the availability of your deposit by  viewing the transaction details in your Lili account.  

4.2. ACH Deposits 

In order to transfer funds from an account that you own or have control of at another financial institution to your  Account with us using the Automated Clearing House (“ACH”) Funds Transfer Service, we use Plaid to gather  your data from external financial institutions you connect via the Lili mobile app. By using our Service, you  grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal  and financial information from the relevant financial institution. You agree to your personal and financial  information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy at  plaid.com/legal.  

All ACH inbound transactions must match the name on your Account to be accepted. We reserve the right to  return ACH deposits which are not in your name, at our own discretion. ACH transactions will not be processed  and accessible until the Service is activated by us. Funds from these types of deposits will not be available  until after the funds have settled. For more information on ACH Funds Transfer Service, please see Section  6.3.2.4.  

4.3. Direct Deposits  

You may initiate direct deposits to your checking Account by providing your payor with our Routing Number,  091017138, and your 12-digit Account number which can be found by logging in to the Lili App. If we deposit  any amount into your Account which should have been returned to the Federal Government for any reason,  you authorize us to deduct the amount of our liability to the Federal Government from your Account or from any  other account you have with us, without prior notice and at any time, except as prohibited by law. We may also  use any other legal remedy to recover the amount of our liability.  

If a direct deposit posts to your Account and is later found to be made payable to someone other than yourself  or another account owner listed in our records, the amount of the deposit will be deducted from your Account  and returned to the originator without prior notice to you.  

4.4. Cash Deposits  

We accept cash deposits to your Account in conjunction with designated merchants through Green Dot Bank subject  to transaction limits set forth in Section 3.7. Please do not send cash deposits through the mail. If a cash  deposit is received for your Account, you agree that our determination of the amount of the deposit will be final.  We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not received by us.  

4.5. Mobile Check Deposits  

For checks deposited via mobile deposit (remote check deposit), the check shall not be considered to have  been received by us until we have received the valid electronic check image file and have accepted the check  for deposit. Checks received on any given business day by the cut-off time will be accepted or rejected no later  than the following business day by the cut-off time. The cut-off time is listed in Section 5.4, Business Days.  Limits to the number of mobile deposits permitted and the amount of funds that can be deposited are imposed  for security reasons. For this purpose, we may not readily disclose those limits to you.  

You agree to properly endorse all items captured and submitted using the mobile deposit service. This should  include a signature(s) from the named payee(s). It is also required that you write “For Lili Mobile Deposit Only.”  You agree, after you submit an item for deposit using the mobile deposit service, you will not redeposit,  otherwise transfer, or negotiate the original item. Additional restrictions and limits for the Mobile Deposit  Service may be found below.  

4.6 Domestic Incoming Wire Deposits  

You may receive domestic incoming wire deposits to your account subject to our Funds Availability Policy  documented in section 5.0 and Transaction Limits set forth in Section 3.7. See Section 6.7, Wire Transfer 

Service for other terms and conditions. See the Schedule of Fees for any fees associated with receipt of  domestic incoming wires.  

4.7 Return of Deposited Items  

If final payment is not received on any item you deposited to your Account, or if any electronic fund transfer to  your Account is returned to us for any reason, you agree to pay us the amount of the return.  

We may re-present any item you deposit with us that is returned to us unpaid without prior notice to you. We  may charge a fee for returned deposited items in accordance with our Schedule of Fees.  

You authorize us to attempt a collection of previously returned items that you deposited. In our attempts to  collect these items, you agree that we may allow the payor bank (the bank on which the item is drawn) to hold  the item beyond its midnight deadline. If an item you deposit is returned unpaid, you waive the requirement for  notice of this return.  

If a claim is made on any item subsequent to final payment on the grounds that the item was altered, bears a  forged or unauthorized endorsement, or was not otherwise properly payable, we will withhold credit for the item  from your Account until final determination of the claim. In addition, we will not be liable for a check, draft, or  other item that you deposit that has been forged or altered in such a way that a reasonable person could not  discover the forgery.  

5.0 Funds Availability 

5.1. Funds Availability Policy

Information contained in this section is to assist you in understanding our Funds Availability Policy. We do not  accept in-person or mailed deposits.  

5.2. General Policy  

It is our policy to review each deposit and determine how the funds are being deposited. We make the funds  available to you according to the deposit type and when the funds were received. Some deposit types may not  be available for immediate use. When we delay the availability of funds or place a hold on a deposit made to  your Account, you may not withdraw those funds. In addition, we will not use these funds to pay bills on your  behalf or fund other debits, such as ACH withdrawals or wire transfers, during the hold period. We reserve the  right to refuse any deposit. If final payment is not received on any item you deposited to your Account, or if any  direct deposit, ACH deposit or electronic fund transfer to your Account is returned to us for any reason, you  agree to pay us the amount of the return, plus any fee in accordance with our Schedule of Fees.  

5.3. Availability  

The length of delay in the availability of funds varies depending on the type of deposit. Special rules may apply  to new Accounts.  

5.4. Business Days  

The length of delay in the availability of funds is counted in business days from the day your deposit is applied  to your Account. Deposits received after 4:00 PM Eastern Time (EST/EDT) will be considered to be received  on the next business day.  

5.5. Same Day Availability 

Funds from transfers between Accounts, preauthorized electronic payments such as direct deposits, or other  preauthorized electronic payments and cash deposits through a third-party vendor will generally be available  on the day the deposit is applied to your Account, subject to cut-off times described above.  

Funds from electronic payments or transfers you initiate from your outside accounts (debits) will be applied to  the beneficiary Account when we have verified the external account and received payment in collected funds.  Once the funds are applied to your Account, they will have same-day availability.  

5.6 Next Day Availability  

Incoming ACH credits may not be available until the business day after the date payment is received in actually  and finally collected funds from the originating bank, subject to cut-off times described above.  

Incoming domestic wire deposits received during normal business hours of 8:00am to 4:00pm Eastern Time  will generally be processed the same day they are received; however, all incoming wires are subject to risk based review and may not be available until the next business day at our sole discretion. Funds from incoming  domestic wire transfers are available the day the deposit is applied to the Account.  

5.7. Longer Delays May Apply  

Once your remote deposit check is accepted, funds you deposit by mobile check deposit through the Lili App  may be delayed for a longer period of time. They will generally be available no later than the fifth business day  after the day of your deposit, subject to cut-off times described above.  

5.8. Special Rules for New Accounts  

If you are a new customer, the following special rules will apply during the first 30 days your Account is open,  subject to cut-off times described above:  

• Funds from electronic direct deposits to your Account will generally be available on the day we receive  the deposit, except that incoming ACH credits may not be available until the business day after the date  payment is received in actually and finally collected funds from the originating bank.
    
• Once your remote deposit check is accepted, funds from all check deposits will be available on the fifth  business day after the day of your deposit.  

6.0 Account Withdrawals and Electronic Funds Transfers  

Unless otherwise indicated by us, only the Account Owner may withdraw or transfer all or any part of the  Account balance at any time with your Lili Card, through bill pay, or other available Services. We reserve the  right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or  that exceeds any frequency or monetary limitations. Even if we honor a nonconforming request or allow a  transaction or transaction(s) to overdraw your Account, your repeated abuse of the stated limitations, or regular  overdrawing your Account, may result in us closing the Account.  

6.1 Mail a Check Feature  

After your Lili Card has been activated, you will have access to the Mail a Check feature to make payments by  check to vendors, suppliers, or other payees. The feature allows you to request a one-time payment to a  payee, store the payee information for future use, and have the check mailed on your behalf. When a one-time  check is issued, the funds are promptly withdrawn from your Account. We will process all check requests at  8:00 am, Central Time, on the business day following the date of your request. You may cancel a check  request up to this processing time. We work with other partner financial institutions to provide the Mail a Check  feature and the name of the institution on the check will not be Sunrise Banks. 

Mail a Check is not a traditional checkbook or a bill payment service. It is a service that allows you to request  through the Lili App a one-time check to be issued and mailed through a third-party service. Checks are void  after 180 days if not cashed, and thereafter the funds will be redeposited to your Account. If your Account has  insufficient funds to cover the amount of the check, the check will not be issued.  

Stop payments on checks mailed through the service can be requested through Lili’s customer support if the  check has not yet been cashed.  

Each check mailed is subject to a fee as outlined in the Schedule of Fees. Checks are subject to the limits in  the Transaction Limits table, or as otherwise determined by Lili and/or the Bank for risk management purposes. 

6.2. General Debit Card Terms and Conditions  

6.2.1. Card Activation  

You must activate your Lili Card in accordance with the instructions provided before it can be used. You will  need to provide your personal and card information in order to verify your identity and activate your Lili Card.  You must sign the signature strip on the back of the Lili Card as soon as it is received.  

When you open a Lili Account, you and your Additional User(s) will also receive access to a digital version of  the physical Card, which is represented by the same 16-digit card number, 3-digit card verification value  (“CVV”) number and expiration date as the physical Card. The digital version of the Card allows you and your  Additional User(s) to access funds in your Lili Account up to the available balance to make online and mobile  payment transactions. The use of the digital version of your Card is subject to the terms of this Agreement,  including transaction limits, to the same extent as the physical Card. The digital version of the Card is activated  automatically upon the opening of your Account and may be used immediately. We reserve the right, in our  sole discretion, to limit or deactivate the digital version of the Card for any reason, or for no reason, with or  without notice.  

6.2.2. Authorized Card Users  

Account Owner and Additional User are jointly responsible for all authorized transactions initiated and fees  incurred by use of your Lili Card. If you permit another person to have access to your Lili Card or Card number,  we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred  

by those persons. Account Owner and Additional User are wholly responsible for the use of each Lili Card  according to the terms and conditions of this Agreement. Authorized users may be required to accept  additional terms of use prior to activating their Lili Cards.  

6.2.3. International Transactions  

International transactions made using your Lili Card will be converted to U.S. currency according to the rules  and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date  other than your original transaction date and fees may be assessed by these networks. You are responsible for  the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be  available at international ATM terminals. International ATM transactions may be subject to a fee in accordance  with our Schedule of Fees.  

6.2.4. Split Transactions  

If you do not have sufficient funds in your Account, you can instruct the merchant to charge a part of the  purchase to the Lili Card and pay the remaining amount with cash or another card. These are called “split  transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will  only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the  merchant that you would like to complete a split transaction prior to swiping your Lili Card, the Card transaction  is likely to be declined. 

6.2.5. Visa Zero Liability Protection  

Consistent with the Visa Zero Liability policy, unless you have been negligent or have engaged in fraud, you  will not be liable for unauthorized Lili Card transactions that are reported to us promptly. We may impose  greater cardholder liability if we determine that the unauthorized transaction was caused by your negligence or  fraud, or if you unreasonably delay your report of an unauthorized transaction(s). Zero Liability does not apply  to ATM transactions, PIN transactions, and/or transactions not processed by Visa.  

You are responsible for all transactions made by any authorized person, such as an Authorized User, even if  the amount or transaction exceeds what you may have originally authorized. You must notify us promptly if you  wish to remove an Authorized User’s Account or Lili Card access.  

We will credit your account provisionally within five (5) business days from receipt of your notification of the  unauthorized transaction, unless we determine that additional investigation is warranted and allowed by  applicable laws or regulations, so that you have use of the disputed funds during our investigation.  

Please see Section 6.3.7 of this Agreement for additional information on unauthorized card transactions and  additional risks associated with use of a business purpose debit card.  

6.2.6. PIN, Passwords, and Passcodes  

6.2.6.1. Card PIN  

You will be prompted to assign a 4-digit card PIN for your Lili Card during activation. You may change the PIN  at any time by accessing the PIN change process through the mobile app or our automated telephone service.  

6.2.6.2. Password and Passcode  

You will be prompted to establish a password (Login Credentials) during your Account enrollment. Depending  on your Lili mobile app settings, you may be required to enter your full password for subsequent logins to the  Lili mobile app to view your Account(s), card information, and other Services. Your password may be changed  at any time. We encourage all customers to secure their Lili mobile app using advanced security (i.e., facial  recognition).  

Your Login Credentials and PIN are identification methods that are both personal and confidential. You may be  required to use your PIN with your Lili Card at an ATM or merchant terminal. It is a security method by which  we help you maintain the security of your Account. Your Login Credentials are another security method that  maintains the security of your Account and the transactions you process through the Lili mobile app.  

Therefore, you agree to take all reasonable precautions to protect the confidentiality of your Login Credentials,  PIN and/or other access devices. Further, you agree that you will not reveal your Login Credentials, PIN, or  any other access device, to any person not authorized by you to use your Lili Card; not write your PIN or Login  Credentials on your Lili Card or on any item kept with your Lili Card; and not leave your mobile or other device  unattended after you have logged on using your Login Credentials.  

6.2.7. Debit Card Revocation  

You agree that your Lili Card remains the property of Sunrise and shall be surrendered upon demand. The Lili  Card is non-transferable, and it may be canceled, reposed, or revoked at any time without prior notice subject  to applicable law.  

If you do not use your Lili Card for an extended period, defined by us as 90 days, or we believe the Card may  be lost/stolen or is being used improperly, it may be canceled for security reasons and will be unusable. This  may occur without prior notice to you. 

If your Lili Card is reissued or reactivated, we may charge you a fee for its reissue/replacement in accordance  with our Schedule of Fees.  

6.3. Electronic Fund Transfers  

We offer automated clearing house (ACH) services for our Business Accounts which are implemented  consistent with applicable laws and regulations and are considered non-consumer credit and debit  entries which are excluded from the Electronic Fund Transfer Act and its implementing rule Regulation  E.  

This Section provides information that describes your rights and responsibilities regarding electronic fund  transfers to or from your Lili Business Account.  

6.3.1. Types of Transfers, Frequency and Dollar Limitations  

6.3.1.1. Card Transactions  

Consistent with applicable law, you may use your Lili Card with your PIN to perform most routine transactions  on the Accounts that are accessible by your Lili Card, such as to:  

• Make cash withdrawals;  
• Transfer funds among Accounts linked to the same Card;  
• Obtain your most recently available Account balance; or  
• Pay for purchases at places that have agreed to accept the Lili Card.  

Some of the above transactions may not be available at all ATMs or locations.  

You shall be obligated to pay us for any transactions made through the authorized use of the Lili Card and/or  PIN, to the extent that we are unable to charge such amounts to the Account; and you authorize us to charge  the amount of any such obligation to any other of your accounts with us.  

6.3.1.2. ATM Deposits  

Your Lili Card does not permit deposits to be made at ATMs.  

6.3.1.3. Debit Card Point-of-Sale Transactions  

You may use your Lili Card to purchase goods and services and/or obtain cash, where permitted by the  merchant, anywhere Visa debit cards are accepted; provided, however, that we may decline certain  transactions to prevent fraud or money laundering, or for other risk management reasons. The merchant may  require your signature instead of your PIN to authorize the purchase request. You may also use your Lili Card  with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or  obtain cash. The amount of all purchases, including any cash obtained, will be deducted from your checking  Account. When you make a purchase through the card network, we may place a hold on the funds in your  checking Account in the amount that may be necessary to cover the amount of the transaction. (Please see  Preauthorization Holds for additional information.)  

6.3.1.4. Transactions Using Your Card Number  

If you initiate a transaction without presenting your Lili Card (such as for mail order, internet or telephone  purchase, a prefunded check purchase or an ACH debit purchase), the legal effect will be the same as if you  used the Lili Card itself. 

6.3.1.5. ACH Funds Transfers  

ACH Funds Transfer Service to linked accounts is an electronic transfer service that enables you to transfer  funds from an account at another financial institution to your Account with us, and/or from your Account with us  to an account at another financial institution. Prior to use, you are required to register your external bank  account for verification and security purposes.  

All ACH transactions must match the name on your Account to be accepted. ACH transactions will not be  processed and accessible until the Service is activated by us. Funds from these types of deposits will not be  available until after the funds have settled.  

ACH standard transfers to third parties (“ACH Standard Delivery”) credits and ACH express transfers (“ACH Express  Delivery”) credits may be made available to pay vendors and creditors upon approval.  

We will determine whether you are eligible for the ACH Standard Delivery and ACH Express Delivery features  at our sole discretion. Limits may be imposed on the dollar amounts. We reserve the right to limit or  discontinue availability of ACH debits for your account based on your account history.  

ACH Express Delivery transfers requested after 1:00 pm Eastern Time on business days, as defined within this  Agreement, will be processed the next business day.  

ACH funds transfer services may not be available for all customers and/or Account types. Fees may apply.  Please see the full Schedule of Fees.  

6.3.1.6. Limitations on Frequency of Debit Card Transactions and Cash Withdrawal Limits  

Frequency-of-use limitations are imposed on Card transactions for security reasons and for the protection of  your Account. They are not disclosed for this reason and may be changed at any time. You will be denied the  use of your Lili Card if:  

• You exceed the daily ATM withdrawal or purchase limit;  
• You do not have sufficient available funds in your Account;  
• You do not enter your correct PIN; or  
• You exceed the limit on the number of times you can use your Lili Card each day.  

The receipt provided by the ATM or merchant terminal will notify you of the denial. There is a limit on the  number of such denials permitted, beyond which the machine may retain your Lili Card. The number of  attempts that will cause the retention of your Lili Card is also not disclosed for security reasons.  

See Section 3.7, Transaction Limits, for daily and monthly limits associated with use of your Lili Card.  

6.3.1.7. Preauthorization Holds  

When your Lili Card or other network enhancement feature related to the Card is used at a point-of-sale  location to obtain goods or services or obtain cash, the merchant may attempt to obtain preauthorization from  us for the transaction. We may place a hold on your Account for the amount of the preauthorization request for  a duration based on the vendor type. This can range from 2 days to 30 days and may vary in some cases from  the amount of the actual purchase, depending on the merchant’s request. If the preauthorization request varies  from the amount of the actual transaction, payment of the transaction may not remove the hold, which will  remain on the Account until the end of the hold period. This hold may affect the availability of funds from your  checking Account to pay checks or for other electronic fund transfers. We will not be responsible for damages  for wrongful dishonor of any items that are not paid because of the hold. 

6.3.1.8. Preauthorized (ACH) Debits or Credits  

You may arrange to have certain recurring payments automatically deposited (credited) to your Account.  Examples of this service include the direct deposit of any government payments such as tax refunds and direct  deposit of recurring payments you receive from any source.  

You may arrange to have certain recurring withdrawals automatically paid (debited) from your Account. For  example, you may arrange to have insurance premiums paid automatically.  

6.3.2. Documentation  

6.3.2.1. Terminal Transfers  

You may get a receipt at the time you make any transfer to or from your Account using an ATM or point-of-sale  device. We are not responsible for the furnishing of receipts. Please contact the merchant should you not  receive a receipt.  

6.3.2.2. Preauthorized Credits  

If you have arranged to have direct deposits made to your Account at least once every 60 days from the same  

person or company, the person or company making the deposit will tell you every time they send us the  money.  

6.3.2.3. Periodic Statements  

You will get a monthly Account statement in App (unless there are no transfers in a particular month, in which  case you will get the statement at least quarterly).  

6.3.3. Right to Stop Preauthorized Electronic Transfers (ACH)  

If you want to permanently revoke an ACH you authorized from a third party, you must instruct the originating  third party to cancel your ACH transfer.  

If you have authorized regular payments out of your Account, you can stop any of these payments by notifying  Customer Service by telephone or email. If you notify us by telephone, you may be required to confirm the  information provided by writing to us at [email protected].  

Your request must include your Account number, the name of the payee, the amount of the item to be stopped,  and the date payment was scheduled to be made. This request needs to be received by us three (3) or more  business days before the payment is scheduled to be made. If your request is by telephone or email, we may  also require you to put your request in writing and ensure that it is received by us within 14 days after your call  or email.  

You are subject to the general rules of Stop Payment Liability included below.  

6.3.4. Stop Payment Liability  

If you request that we stop payment on any preauthorized transfer according to the requirements above and  we fail to do so, we will be liable for your proven loss or damages, unless:  

You failed to give us enough information, proper instructions, or sufficient time to act on the stop payment; or  

We do not receive written confirmation of your telephone or email request to stop payment within 14 calendar  days, and the preauthorized transfer occurs after the 14 calendar days. 

In any case, we will only be liable for actual proven damages if the failure to stop payment on your transaction  resulted from a bona fide error on our part, despite our procedures to avoid such errors. If we pay a  preauthorized transfer despite your valid and timely stop order request, we may re-credit your Account. If we  do this, you will sign a statement describing the dispute with the payee. You agree to transfer to us all of your  rights against the payee. In addition, you will assist us in any legal action taken against the payee.  

Additionally, if you want to permanently revoke a recurring preauthorized electronic transfer, you must instruct  the originating third party to cancel your preauthorized transfer. We may ask you to provide us with a copy of  your letter to the originating third party and sign an Affidavit revoking authorization.  

6.3.5. Confidentiality  

We will disclose information about your Account or the transactions you make to third parties: 

• When it is necessary to complete transactions;  
  
• To verify the existence and standing of your Account with us upon the request of a third party, such as  a credit bureau or merchant;  
  
• In accordance with your written permission;  
  
• To comply with court, governmental, or administrative agency summonses, subpoenas or orders; 
   
• To allow Lili and its service providers to market other financial and non-financial products and services  available via the Lili mobile app or website that you may be interested in;  
  
• When it is necessary for Lili App Inc. and its service providers to complete transactions and service  other products provided to you by Lili; and  
  
• On receipt of certification from a federal agency or department that a request for information is in  compliance with the Right to Financial Privacy Act of 1978.  

6.3.6. Our Liability for Failure to Complete an Electronic Fund Transfer  

If we fail to complete an electronic fund transfer on time or in the correct amount when properly instructed by  you, we will be liable for damages caused by our failure unless:  

• There are not sufficient funds in your Account to complete the transaction through no fault of ours. 
• The funds in your Account are not available at the time the EFT posts to your Account. 
• The funds in your Account are subject to legal process,  
• The ATM system has insufficient cash to complete the transaction,  
• Your Lili Card has been reported lost or stolen and you are using the reported Card, 
• We have a reason to believe that the transaction requested is unauthorized,  
• The failure is due to an equipment breakdown that you knew about when you started the transaction at  an ATM or merchant terminal,  
• You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible  transaction listed above; or  
• The transaction would exceed security limitations on the use of your Lili Card.  

In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from  an honest error despite our procedures to avoid such errors. 

6.3.7. Unauthorized Transfers/Additional Risk Associated with Use of Business Purpose Cards  

You will not have the benefit of any consumer law limiting liability with respect to the unauthorized use  of your Lili Card. This means your liability for unauthorized use of your Lili Card could be greater than the  liability in a consumer debit card. You accept and agree to undertake the additional risk and greater measure  of liability associated with the use of a business purpose Account and business purpose Cards as described in  this Agreement.  

You are liable for Card transactions you do not authorize if we can prove that we processed the transaction in  good faith and in compliance with commercially reasonable security procedures to which we both agreed,  unless otherwise required by law. Tell us immediately if you believe your Lili Card and/or PIN has been lost or  stolen, or if you believe that an electronic fund transfer has been made using your Lili Card without your  permission. Contacting us immediately by phone or email is the best way to keep your potential losses down.  You could lose all the money in your Account!  

Also, if your statement shows transactions you did not make with your Lili Card, including those made by Card,  code, or other electronic means, tell us at once. If you do not tell us within thirty (30) days after your Account  statement is made available to you, you may not get back any money you lost after the thirty (30) days. If you  do not notify us within thirty (30) days from when the periodic statement containing an unauthorized transaction  was first made available to you on the Lili website or in your App, we will be entitled to treat the information in  the periodic statement as correct, and you will be precluded from asserting otherwise, unless a longer period is  provided by federal or state law or Visa rules for transactions made over the Visa network.  

6.3.8. Error Resolution and How to Contact Us  

In case of errors or questions about your electronic fund transfers, you agree to promptly contact Customer  Service by email at [email protected]. You may be required to confirm the information in writing within ten (10)  business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming  your dispute in writing, and give you instructions for sending us the signed form.  

If you believe an electronic fund transfer transaction was processed in error or was unauthorized, or if you  need more information about a transfer listed on your statement , you must contact us no later than thirty (30)  days after the monthly statement was made available to you on the Lili website or App, unless a longer period  is provided by federal or state law or Visa rules for transactions made over the Visa network.  

In your communication with us, please provide the following information:  

• The Account name, Account number, and last four digits of the Card number, if applicable;  
• A description of the suspected error or the transfer about which you are unsure, why you believe there  is an error, or why you need more information;  
• The dollar amount of the suspected error; and  
• The date of the suspected error.  

If you provide us with timely notice of an error or problem in your periodic statement, we will investigate the  matter and notify you of the results as soon as reasonably possible under the circumstances. You must provide  us with your name, the account number and Card number, a description of the applicable transaction; the  reason you believe the transaction is in error, the dollar amount of the suspected error and the date it appeared  on your bank statement or receipt. You agree to assist us in the investigation and prosecution of claims for  unauthorized transactions by completing the appropriate statements and reports reasonably requested by us.  If you fail to give us the required notice, we will not be liable to you for any loss of interest or for any other  compensation relating to the unauthorized or erroneous debit to your Account or because of any other  discrepancy in the Account statement. Furthermore, in no event will we be liable to you or any other person or  entity for any consequential, special or incidental damages relating to any unauthorized or erroneously  executed fund transfer request. 

6.3.9. Fees and Charges  

You will pay any applicable fees and charges we assess for your Card services and/or other electronic fund  transfer Services that you select. Applicable fees will be deducted from your Account and listed on your  Account statement. These charges and fees are assessed in accordance with our Schedule of Fees.  

If you do not use the MoneyPass ATM network, we may charge a fee to use your Card at an ATM within the  United States or internationally to make a point-of-sale purchase in accordance with our Schedule of Fees.  

You may be charged a foreign transaction fee for point-of-sale purchases made internationally. The terminal  owner may also charge you a fee for use of their ATM. You may, however, be assessed a fee by the card  association, for example, Visa, for using your Lili Card at an ATM or making a point-of-sale purchase.  

6.4. ACH Funds Transfer Service  

You acknowledge that we have given you notice that any credit we give you with respect to a fund transfer is  provisional until we receive a final settlement for that entry. If we do not receive a final settlement, you agree  that we are entitled to a refund of the amount credited to your Account in connection with such entry. In such  an event, the person who sent the fund transfer is not deemed to have paid you such an amount.  

You acknowledge that we will not give you next day notice of receipt of an ACH item. Instead, we will notify you  of the receipt of payments in your periodic account statements. When we credit your Business Account for  electronic payments (such as bill payments) that we receive from one of your clients, you are obligated to apply  those payments to an account of that client. If you fail to do so, you agree to promptly return the payment to us.  

You acknowledge that if, in connection with your Business Account, you request us to transmit an ACH return  transaction, for example, in connection with any claim of erroneous or unauthorized transaction, that the  originating depository financial institution has no obligation to accept that return transaction if the return request  is not made within the applicable time frame set forth in the National Automated Clearing House Association  (NACHA) Operating Rules. We will attempt to pursue your return request with the originating depository  financial institution as long as you report the problem to us in writing within one (1) business day of the  unauthorized activity; however, we do not guarantee that we will be able to recover your funds if you notify us  of the problem after expiration of the NACHA time frame. In some cases, depending on the facts, your claim  may not be honored, and you may incur a loss. We, therefore, recommend that you review your account  activity daily.  

6.5 ACH Transfers Through Linked Accounts  

By using the ACH Funds Transfer Service, you are certifying that the registered external accounts owned by  you that you transfer funds to and from, and the debit or credit cards used to transfer from are under the same  ownership as the Account with us. If the accounts are not titled the same or ownership among the transferring  accounts changes, the funds will be returned to the sender.  

You will indemnify us for any losses incurred as a result of any transaction you initiate between these accounts  that is later returned or is reported unauthorized, and if you initiate a transfer that is found to be unverifiable or  is unable to be completed for other reasons, you agree to hold us harmless for any loss resulting from the  incomplete transfer. If a transfer is made from a third-party’s account or registered as an external deposit  account before we detect it, we may, without notice to you, place those funds on hold and debit your Account,  and return the funds to the third party’s account in the form of a bank check or funds transfer, once we have  confirmed the funds cleared the external account.  

If you use the ACH Funds Transfer Service to transfer funds to or from an account that has multiple owners,  you agree that each owner authorizes the others to (a) initiate the transfer of funds between accounts; (b)  register any external bank account or credit card; and (c) initiate the transfer of funds between your Account(s)  with us and any registered external bank account or credit card. This authority will cease only after we have 

received and have been given a reasonable amount of time to act on the appropriate documentation needed to  change or remove the Owner from the Account. Each Account Owner agrees to be jointly and severally liable  to us for any losses incurred as a result of the improper use of this Service up to and including the transfer  amount, any applicable fees and any legal expenses. Your funds transfer request will only be completed if you  have sufficient funds in the account from which you wish to transfer funds and the accounts are linked for  transfer capabilities. Funds transfer transactions are subject to dollar amount limitations, which are determined  by us and may be set according to your Account type and/or the type of ACH Funds Transfer Service you are  using. These limitations are set for security reasons and are not disclosed for that reason.  

We reserve the right to limit the number of external accounts that can be linked to your Account for purposes of  transferring funds; to limit functionality of the Funds Transfer service by imposing limits, holds, or other  measures; and to close your Account if unlawful activity is found or suspected.  

The ACH Funds Transfer Services through linked accounts may be subject to fees in accordance with our  Schedule of Fees. This Service may not be available for all customers and/or Account types.  

6.6 Other ACH Fund Transfer Types  

You may have access to the following other types of ACH funds transfers subject to transfer limits specified in  Section 3.7, Transaction Limits:  

• ACH Inbound (credits) on a one-time or recurring basis  
• Pre-authorized ACH transfers (debits) from your creditors or your customers  
• ACH transfers (credits) to pay a third party (pay a bill, pay a vendor, etc.)  
• ACH Express Delivery (credits)  

The ACH funds transfer services may be subject to fees in accordance with our Schedule of Fees. These  services may not be available for all customers and/or Account types.  

6.7 Wire Transfer Service  

The Uniform Commercial Code (”UCC”) Article 4A includes provisions relating to wire transfers. A Wire  Transfer is an electronic transfer of funds (“funds transfer”) via a network that is administered by banks and  transfer service agencies. A funds transfer is the process by which a payment order is processed leading to  payment to a beneficiary. The payment order, or wire transfer instructions, provides the information necessary  to transfer the funds to a beneficiary, who is the person or business designated to receive the funds in the  payment order.  

Lili is not a licensed money transmitter, and therefore partners with Column Bank N.A. (“Column”), Member  FDIC, for wire transfer services to the accounts it services on behalf of Sunrise. You hereby authorize us to  honor and apply any and all funds transfers received by Column to your Account, subject to risk-based  standards that are at our discretion.  

6.7.1 Domestic Incoming Wires  

The Account Owner or Additional User may receive domestic incoming wires subject to fees and limitations  documented in this Terms and Conditions document which are routed to Column using the routing  number of 121145307. New customers may not have access to receive domestic incoming wire transfers for  the first 30 days. Wire transfers will not be deposited into the Lili App Account from any other source. The ability to receive domestic incoming wires may be terminated at any time.

6.7.2 Domestic Outgoing Wires

You may send domestic outgoing wire transfers subject to the fees and limitations in this Agreement. New customers may be restricted from sending outgoing wire transfers for the first thirty (30) days. We reserve the right to terminate your ability to send domestic outgoing wire transfers at any time, for any reason. By submitting an outgoing wire transfer request to us, you authorize us to deduct funds from your Account sufficient to cover the amount of the outgoing wire transfer. You acknowledge that we may, in our sole discretion, clear and settle any wire transfer through one or more intermediary banks. You understand and agree that the funds will be transferred by us to Column for purposes of clearing and settling the outgoing wire transfer. 

We will process an outgoing wire request only if it complies with our security and verification procedures, including appropriate regulatory compliance and sanctions screening requirements for wire recipients and beneficiaries. Our procedures include the timing for sending outgoing domestic wire transfers and cut-off times. You understand and acknowledge that you must provide the accurate routing or other relevant numbers of the recipient’s financial institution and the beneficiary’s account number, or the wire transfer may be delayed or canceled. You also understand and acknowledge that we may rely solely upon the routing and account numbers or similar identifying numbers provided in the wire transfer requests to identify (a) the beneficiary and (b) the Account. We are authorized to immediately deduct funds from your Account for any domestic outgoing wire transfer request using such account/routing/transit number or similar identifying numbers. We are not responsible for any loss or damage you incur from your request for a wire transfer.

You understand and acknowledge that wire transfer requests may not be recalled or amended once they have been sent to us. Wire transfer requests will only be accepted and processed if you have sufficient and available funds in your Account at the time the request is received and processed. We reserve the right to reject or cancel any wire transfer at our sole discretion, and we will not be held liable for any losses or damages that may arise due to our right to cancel or reject the wire transfer. We also reserve the right to review wire transfer requests for risk management purposes and to comply with anti-money laundering regulations. Such reviews may delay your wire transfer.

6.7.3 International Wires

You may send or receive international wire transfers subject to the fees and limitations in this Agreement;
provided, however, that sole proprietorship customers are not eligible for this feature. New customers may be restricted from sending or receiving international wire transfers for the first thirty (30) days. By submitting an international outgoing wire transfer request to us, you authorize us to deduct funds from your Account sufficient to cover the amount of the wire transfer and any associated fees or costs. You acknowledge that we may, in our sole discretion, clear and settle any wire transfer through one or more intermediary banks, which may charge additional fees for their services. You understand and agree that Column will clear and settle outgoing and incoming international wire transfers on our behalf. International wire transfers will be available in certain jurisdictions only. A list of permitted jurisdictions may be found in the Lili App. The permitted jurisdictions may change periodically, without notice.

We will process an outgoing wire request only if it complies with our security, due diligence, and verification procedures, including appropriate regulatory compliance and sanctions screening requirements for wire recipients and beneficiaries. We may review wire transfer requests for risk management purposes, and such reviews may delay your international wire transfer. Our procedures include the timing for sending outgoing international wire transfers and cut-off times. You understand and acknowledge that you must provide the following accurate information to send an international wire transfer: recipient’s name, address, bank’s SWIFT Bank Identification Code (BIC), and bank account number, plus the International Payments System Routing Code, for certain countries (you will be prompted for this code).

If you do not provide us with this information or the information is inaccurate, the wire transfer may be delayed or canceled. You also understand and acknowledge that we may rely solely upon the numbers provided by you in the wire transfer requests to identify (a) the beneficiary and (b) the Account. We are authorized to immediately deduct funds from your Account for any international outgoing wire transfer request using such identifying numbers you provide to us. We are not responsible for any loss you incur from your request for an international wire transfer.

You acknowledge that international wire transfer requests may not be recalled or amended once they have been sent to us. Wire transfer requests will only be accepted and processed if you have sufficient and available funds in your Account at the time the request is received and processed. We reserve the right to reject or cancel any wire transfer, or to terminate your ability to send or receive international wire transfers, at any time, for any reason.

Incoming international wire transfers received in a foreign currency for payment into your Lili Account will be converted without notice into U.S. dollars using the applicable exchange rate. The rate used when we or our agents convert one currency to another is set at our sole discretion, and it may include a markup. The markup is designed to compensate us or our agents for, among other factors, cost, market risk, and a desired return. The applicable exchange rate is separate from any applicable fees, such as our incoming international wire fee. The exchange rate may be different from exchange rates available elsewhere and may vary based on such factors as currency pair, transaction size, and payment channel. Foreign exchange (FX) markets are dynamic and rates fluctuate continuously.

Returned outgoing international wires that were initially converted to another currency for delivery to your recipient will be converted back to U.S. dollars using the applicable exchange rate. The rate used when we or our agents convert one currency to another is set at our sole discretion, and it may include a markup or markdown. The rate used at time of return may not match the rate used for the initial transfer. It is therefore likely that the amount returned in U.S. dollars will be less than the amount originally sent to the recipient. Beneficiary and/or intermediary banks may also charge fees to return the international wire transfer.

6.7.4 Verification of Wire Transfer 

A domestic incoming wire will be deposited only if it complies with our security and verification procedures. All  wire transfer requests must conform to our requirements, which may be amended from time to time. The  procedures include the method for receiving incoming domestic wire transfers and cut-off times. You  understand the accuracy of the account/routing/transit number associated with a financial institution (“FI”) and  the account number of a wire transfer recipient, i.e., the beneficiary, is critical. Owner acknowledges and  agrees we may rely solely upon the account/routing/transit number or similar identifying number provided in the  wire transfer instructions to identify (a) the beneficiary and (b) the Account. We are authorized to deposit to  Account any domestic incoming wire transfer received using such account/routing/transit number or similar  identifying numbers. If there is a discrepancy in payment order regarding the beneficiary or the FI and such  beneficiary’s account/routing/transit or similarly identifying number, we will make the deposit on the basis of  such identifying number, even if it results in a beneficiary or FI other than the one designated by the you to be  paid.  

6.7.5 Transaction Limits & Fees  

Transaction limits for wires are documented in Section 3.7, Transaction Limits. Fees for wires are documented in Section 8.1, Fees.  

6.7.6 Hours of Operation and Cut-Off Times for Wires  

Wires will be processed between 8:00 am and 4:00 pm Eastern Time on business days, as  defined within this Agreement.  

6.7.7 Compliance with Laws  

By using our wire transfer services, you represent that (a) you are not located in a country that is subject to U.S. government sanctions, including without limitation, the Crimea region of Ukraine, Cuba, Iran, North Korea, or Syria, or other jurisdiction subject to U.S. sanctions; (b) you are not a person, group or entity that has been designated by the U.S. government as a Specially Designated National (SDN) or in a “terrorist supporting” country; (c) you are authorized under U.S. federal, state and local laws to conduct financial transactions with Lili; (d) you are not subject to sanctions by the U. S. Department of the Treasury, Office of Foreign Assets Control (OFAC); and (e) you will not use the Account or any services provided to facilitate payments, either directly or indirectly, to a sanctioned country, person, group or entity. We vigorously enforce laws and regulations promulgated by OFAC and, in accordance with OFAC rules, we reserve the right to: (i) check the names of current and new Account owners and Additional Users against OFAC’s database, and (ii) block and/or reject transactions until we are satisfied that you and any wire transfer recipient are not subject to OFAC sanctions.

6.8 Other Funds Transfer Restrictions  

Unless you have entered into a separate agreement with us regarding the use of our fund transfer services, the  following special rules apply to any fund transfers you send or receive through us in connection with any  Business Accounts that are not electronic funds transfers subject to the Electronic Funds Transfer Act or  Regulation E. While these special rules apply to ACH fund transfers that you receive, you may not send ACH  fund transfers through us unless you have been approved to do so. We may charge fees for sending or  receiving a fund transfer and may deduct those fees from your Account or from the amount of the fund transfer  as indicated in our Schedule of Fees. The terms used in this Section have the meanings set forth in Article 4A  of the Uniform Commercial Code.  

7.0 Account Maintenance  

7.1. Account Closing  

If you wish to close your Account with us, you agree to withdraw all funds from your Account, and we may  require you to notify us of this intention in writing. After an Account is closed, we have no obligation to accept  deposits or pay outstanding items but may do so at our discretion. You agree to hold us harmless for refusing  to honor any item on a closed Account. If funds remain in the Account after you have notified us of your intent  to close your Account, we will require you to submit your request to us in writing and we will return any  remaining funds to you; provided, however, that we will not return funds less than $5.00 due to our  administrative costs in returning such funds. 

Lili reserves the right to close your Account for any reason, with or without notice. If Lili closes your  Account, we will return any remaining funds of $5.00 or more to you, unless we are notified of fraud or  wrongful conduct.  

All related transactions and closing fees will be deducted from the final balance.  

7.2. Foreign Activity  

If you have moved outside of the United States or have frequent international transactions, you may be  contacted about the international activity in your Account and for further verification of your address. If you are  moving, traveling, or will be temporarily residing overseas, we recommend you contact us to prevent any  disruption in your Account activity. Your Account may be closed if you will not be returning to the United States,  are residing outside the United States for extended periods of time or have not notified us of your extended  travel.  

7.3. Inactive and Dormant Accounts  

We may close any Account that has had no Card or other transaction activity or had a zero balance for six (6)  continuous months at our discretion.  

Any Account with a balance which has no customer-initiated activity for twelve continuous months may be  considered inactive or dormant under applicable state unclaimed property law and will be frozen. Customer initiated activity includes any transfers between Accounts, Online Transfers, ACH transfers initiated from  outside, Mobile Deposits, logging into the App, or service calls.  

As prescribed by state law, the funds in any dormant Account will be transferred to the appropriate state as  applicable under state unclaimed property laws when required.  

If the Account becomes inactive or dormant, the Account will continue to be subject to any service charges in  accordance with our Schedule of Fees. If an Account becomes inactive, we will notify you with specific  instructions on how to restore the Account to an active status without the need to make any transactions.  

7.4. Death or Incompetence  

We may continue to honor any items submitted until (a) we know of the fact of your death or of a legal  determination of incompetence or incapacitation and (b) we have had a reasonable opportunity to act on that  knowledge. You agree that, even if we have knowledge of your death, we may pay on items drawn on or  before the date of death for up to ten (10) days after that date, unless ordered to stop payment by someone  claiming an interest in the Account. We may require additional documentation to confirm any claims made on  the Account. We do not support Trust accounts, Conservatorships, or Power of Attorney authorizations at this  point in time.  

7.5. Levies, Garnishments, and Other Legal Processes  

If your Account becomes subject to legal action, such as a tax levy or third-party garnishment, we reserve the  right to refuse to pay any money from your Account, including checks or other items presented for payment,  until the action is resolved. If we are required to pay an attachment, garnishment, or tax levy, we are not liable  to you. Payment is made after satisfying any fees, charges or other debts owed to us. You agree that you are  responsible for any expenses, including legal expenses and fees we incur due to a garnishment, levy, or  attachment on your Account. We may charge these expenses to your Account. Until we receive the  appropriate court documents, we may continue to process transactions against your Account, even if we have  received an unofficial notification of an adverse claim. You will indemnify us for any losses if we do this. 

8.0 Fees  

Fees are charged in accordance with our fees outlined in our Master Fee Schedule, which is attached hereto and incorporated herein by reference as Appendix A. If we assess a fee for any other Service or make a change to our Master Fee Schedule, we will let you know in advance.

To the extent you access your Account or the Services through a mobile device, your wireless service carrier’s charges, data rates, and other fees may apply.

9.0 Other Terms 

9.1. Linked Accounts  

To ensure a more valuable experience with us, we use Plaid Technologies, Inc. (“Plaid”) to gather your data  from external financial institutions you connect via the Lili mobile app. By using our Services, you grant us and  Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial  information from the relevant financial institution. You agree to your personal and financial information being  transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.  

9.2. Lili Rewards 

Visa SavingsEdge awards are available for all Accounts. Customers must visit the Visa SavingsEdge website at www.visasavingsedge.com to enroll in the program. By  accepting this Agreement, you also accept the Visa SavingsEdge Terms and Conditions. 

9.3. Governing Law  

This agreement is governed by and interpreted according to federal law and the state where you are located. If  state and federal laws are inconsistent, or if state law is preempted by federal law, federal law governs.  

9.4. Right to Setoff  

If you owe us any amount, you give us a security interest in your Account. You also give us the right, to the  extent not prohibited by law, to set off against your funds to pay the amount owed to us. You agree that the  security interest you have given us is consensual and is in addition to our right to set off. If we exercise our  right to set off, we will notify you to the extent required by law.  

9.5. Severability  

If any provision of this Agreement is found unenforceable, then that provision will be severed from this  Agreement and not affect the validity and enforceability of any remaining provisions.  

9.6. Invalidated Provisions  

If an arbitrator or court finds any provision to be invalid, you and we agree that the arbitrator or court should  give valid effect to the intention of that provision, and that the remainder of the Agreement remain in full force  and effect.  

9.7. Contact Information  

We want to hear your comments, concerns, suggestions, or questions. Please contact us by email at  [email protected] or by phone at 855-545-4380.  

9.8. Illegal Usage  

You agree that you must not use the Lili Card or Account for any illegal transactions, including illegal internet  gambling or similar activities.  

10.0 E-sign Consent to Electronic Communication  

We will communicate with you using electronic means. When you click or tap the “I Agree” button: 

• You agree to receive any electronic communication from us for any purpose;  
  
• You agree to receive an electronic version of any written notice or disclosures we must send you under  law (“Legal Disclosures”);  
  
• You understand that to receive Legal Disclosures, you must meet the requirements in Section 10.1  below;  
  
• You agree by checking the box next to these Terms and Conditions or any other document or  disclosure presented and tapping “I agree”, “I accept”, “I consent” or other similar language when  presented in App or on the website with any disclosure or agreement, you adopt the check mark as  your electronic signature and you give us your affirmative consent to accept these Terms and  Conditions and receive electronic communications as described herein; and 
  
• You agree that your device satisfies the technology requirements listed in Section 10.1 and that you  have provided us your current email address to which we may send electronic communications.  

When we send an electronic communication, including a Legal Disclosure, it may come in the form of an  update to our website or within the Lili mobile app; as an email, text, or communication on social media; as a  notification on mobile, tablet, or wearable devices; or through other electronic means. We will not communicate  to you via social media about your specific Lili Account, and we ask that you never communicate personally  identifying information to us via social media. If you have a question or concern about your account, you should  contact Lili Customer Support at [email protected]. When you sign up for an Account, we will request your email  address and mobile telephone number. We request this information in order to send you security confirmation  text messages and information about your Account and the Services. By clicking or tapping the “I agree”, “ I  accept”, “I consent” or similar language , you consent and agree to accept and receive communications,  including Legal Disclosures, from us, including via email, text message, calls and push notification to the email  address or mobile telephone number you provide us. As part of this consent, we, or someone on our behalf,  may send you communications generated by automatic telephone dialing systems and/or deliver pre-recorded  messages that include (i) security confirmation messages; (ii) communications about your Account (such as  transfers you requested or received); (iii) communications about use and updates to our Services; and (iv)  other information concerning your Account and our Services. We do not charge you when we communicate  with you via text message, but your phone carrier may apply standard text messaging charges and data rates.  

10.1. Technology Requirements  

In order to receive electronic communications, including Legal Disclosures, you must have: 

• A computer or mobile device with an internet connection;  
  
• A web browser that includes 128-bit encryption, with cookies enabled;  
  
• A valid email address and a phone number, which is not an internet-based phone service such voice  over internet protocol (VOIP); and  
  
• Sufficient storage space to save any legal disclosure or an installed printer to print them.  We may change these requirements periodically, but we will notify you promptly of any material changes.  

10.2. Paper Versions  

You may obtain paper copies of any legal disclosure or this agreement by printing it yourself from your Lili App  or Lili website, when available, using the browser and print tools available from your device provider.  

10.3. Withdrawing Consent  

If you would like to withdraw your consent, you can tell us at any time by emailing [email protected]. Once you  withdraw your consent, we will no longer send you copies of any legal disclosure. Also, please be aware that  once you withdraw consent, we may, but are not obligated to close your Account.  

10.4. Saving and Reviewing this Agreement  

This Agreement can be printed and saved for your records from your own device. 

Appendix A – Master Fee Schedule

Effective as of July 2, 2025 

1. Monthly or Annual Account Fees

Monthly or Annual Fees for Lili App Inc. (Lili) Accounts described in Section 3 of the Sunrise Banks Account Agreement are listed below. For the paid plans, you may elect to pay either annually or monthly, as indicated below. The monthly or annual term commences after a free trial period, if available, and renews automatically. Customers electing to pay their plan fees annually have ten (10) business days from the beginning of the term to request a full refund of the annual fee. Thereafter, no refund will be provided, even if you decide to downgrade to a lower cost plan. If you decide to upgrade to a higher cost plan, we will issue you a credit for the remainder of the current term and charge your account a full annual fee for the new plan.

Account Type	Monthly or Annual Fee
Account Fees
Lili Core Account	$0.00
Lili Pro Account	$15.00 monthly or $144 annually
Lili Smart Account	$35.00 monthly or $336 annually
Lili Premium Account	$55.00 monthly or $528 annually
Add-On Feature Fees
Lili BusinessBuild Add-On Feature	$30.00 monthly

All fees are charged in advance, not in arrears. Any plan fees not paid when due may be collected at any time, from any account or sub-account owned by you, when sufficient funds are available. We reserve the right to close any account if plan fees are not paid when due. From time to time, we may offer incentive discounts to new applicants, which are not reflected in this table. If you change from a monthly to annual plan during any incentive discount period, the remaining incentive discount will not be applied to your new annual plan. Other transaction fees may apply. Additional fees are set forth in the Schedule of Fees below. 

2. Schedule of Fees

The Schedule of Fees applies to all Lili Account types, except where indicated. Please see Section 1 above,  Monthly or Annual Account Fees for monthly or annual fees for each Account offered.  

Transaction Activity & Fee Description (as it  appears on the periodic statement)	Fee
ATM Transaction Fee – MoneyPass Network	$0.00
ATM Transaction Fee – Non MoneyPass Network(Domestic) Out-of-Network ATM Fee	$2.50* *surcharge fees may be applied by the ATMowner
ATM Transaction Fee – International ATM International ATM Fee	$5.00* *surcharge fees may be applied by the ATMowner
ATM Balance Inquiry Fee – International ATM International ATM Balance Inquiry Fee	$2.50* *surcharge fees may be applied by the ATM owner
Bill Pay Services	$0.00
Card Replacement Fee	$0.00
Deposited Check Returned Item Fee	$0.00
Dormant Account Fee	$0.00
Express Mail Fee Express mail fee	$20.00
Funds Transfer Fee – ACH Standard Delivery	$0.00
Funds Transfer Fee – ACH Express Delivery ACH Express Fee	1.50% of ACH transaction Minimum: $ 0.50 Maximum: $20.00
International Debit Transaction Fee	$0.00
Overdraft Fee	$0.00
Returned Item Fee (Electronic Funds Transfer)	$0.00
Stop Payment Fee	$0.00
Wire Fee-Domestic Incoming Wire Fee-Domestic Outgoing Wire Fee	$0.00 $15.00
Wire Fee – International Incoming Wire Fee – International Outgoing Wire Transfer Fee	$15.00* $25.00* *For wire transfers converted to other currencies, correspondent banks may charge a currency conversion fee as a markup or markdown. We also charge a commission of 1% of the USD principal amount, which will be reflected in the rate.
Mail a Check Fee Manual Check Fee	$3.00 per check