IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (SEE SECTION 9 BELOW) REQUIRING ALL CLAIMS (EXCEPT CLAIMS ELIGIBLE FOR SMALL CLAIMS COURT) TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

Please read this carefully and retain it for future reference. This Deposit Account Agreement (the "Agreement") is revised periodically, so it may include changes from earlier versions. You can determine when this Agreement was last revised by referring to the Effective Date at the top of the Agreement.

This agreement contains the Deposit Account Agreement (the "Agreement") related to your demand deposit account ("Account") issued by Community Federal Savings Bank, ("Bank"), member of the Federal Deposit Insurance Corporation ("FDIC") on behalf of Pana Finance, Inc. (“Program Manager” or “Pana”), the Bank’s program partner responsible for managing the Account and providing customer service to you on the Bank’s behalf.

By providing a written or electronic signature on a signature card or opening, or continuing to hold an Account with us, you agree to the most recent version of this Agreement, which can be accessed from Pana’s mobile application once logged into your account.

"We", "our", and "us" refer to the Bank, our successors, affiliates, or assignees.

"You" and "your" refers to the person who has opened and owns the Account.

Bank's business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to "days" found in this Agreement are calendar days unless indicated otherwise.

CELLULAR PHONE CONTACT CONSENT

By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later connect to a cellular device, you are expressly consenting to receiving communications including but not limited to prerecorded or artificial voice message calls, text messages, push notifications, e-mails and calls made by an automatic telephone dialing system from us, our affiliates and our agents (including, but not limited to, Program Manager) at that telephone number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.

1. DESCRIPTION OF YOUR ACCOUNT

A. The Account

The Account consists of a demand deposit account, which can be used to make payments and transfers to third parties online or through the use of the Pana Mastercard® Debit Card (“Card”) that is automatically issued with the Account. The Account does not provide a checkbook to write paper checks from the Account.

Your Account is a non-interest bearing account, meaning no interest will be paid to you for the funds that you deposit, otherwise receive, or maintain in your Account through use of the services. Your Account is not a prepaid account or credit product.

You agree to pay the fees as shown on the Fee Schedule in Section 7 (Fees) below.

The funds associated with your Account are held in a pooled deposit account at the Bank, and your funds in this pooled deposit account may be combined with the funds of other Pana’s accountholders.

You will be able to use the Mobile App to view the available balance in your Account, which is the total amount of funds in your Account. Funds associated with your Account that are in transit and have not settled with the Bank may not be available for withdrawal until the funds settle with the Bank. We reserve the right to impose limits on the maximum amount that you can maintain in, or transact with, your Account and reserve the right to change such limits at any time. Please see Section 2(C) below for maximum balance restrictions and transaction limitations.

B. Opening an Account

You may submit an application to open an Account by using Pana’s mobile banking application (the "Mobile App")