SCANPAY WALLET ADDENDUM

This ScanPay Wallet Addendum (this "Addendum") is an Additional Terms document as defined in ScanPay’s Terms of Platform (the "Terms"). It governs your access to and use of the ScanPay Wallet, including account enrollment, wallet funding, balance management, and outbound transfers. The ScanPay Wallet may be used as a standalone product and does not require enrollment in or active use of the ScanPay Payments platform. Capitalized terms used but not defined in this Addendum have the meanings given to them in the Terms.

To the extent of any conflict between this Addendum and the Terms, this Addendum controls. Your enrollment in the ScanPay Wallet constitutes your acceptance of this Addendum, the Terms, and the Privacy Policy.

The ScanPay Wallet is available only to businesses operating in states where StorePay, Inc. holds an active Money Transmitter License. A current list of Licensed States is available at goscanpay.com/licenses.

1. Definitions

As used in this Addendum, the following terms have the meanings set forth below, in addition to the definitions provided in the Terms:

Available Balance  means the portion of your Wallet Balance that is available for immediate use, excluding any funds that are in Pending Balance status or subject to a hold.

Banking Partner  means JPMorgan Chase Bank, N.A., or any successor banking institution engaged by ScanPay to hold and process Wallet funds. The current Banking Partner is disclosed at goscanpay.com/licenses.

Connected Account  means a U.S. bank account held in your own name or in the name of your business entity, that you have linked and verified through the Platform for the purpose of funding your Wallet Balance or receiving outbound transfers. Connected Accounts must belong to you or your business; accounts held in the name of a third party are not eligible.

Designated Connected Account  means the Connected Account you have selected to receive outbound transfers or Wallet disbursements by default, as specified in your account settings.

Instant Transfer  means an outbound transfer from your Wallet Balance to a Recipient using Real-Time Payment (RTP) rails, typically delivered within minutes.

Pending Balance  means funds associated with your Wallet that are not yet available for use, including: (a) amounts from a connected account Add Funds transfer that are in the process of clearing; and (b) amounts reflecting a scheduled or in-progress ScanPay Payments Payout that has not yet been fully settled and posted to your Available Balance. Pending Balance amounts are informational and subject to change until the underlying payout or transfer is finalized.

Recipient  means a named individual or business, together with their associated U.S. bank account and routing information, that you have saved in the Platform for the purpose of sending outbound Wallet transfers.

ScanPay Payments Payout  means a disbursement from the ScanPay Payments Platform to your Wallet, representing your net settlement amount after accounting for Customer Payments received, applicable platform fees, Chargeback deductions, dispute adjustments, and any other offsets processed through the ScanPay Payments Platform during the applicable settlement period.

Standard Transfer  means an outbound transfer from your Wallet Balance to a Recipient typically delivered within two to three business days using RTP or ACH rails.

Team Member  means an individual you authorize to access the Wallet under your account, subject to the role and permissions you assign.

Wallet  means the ScanPay Wallet product, which provides your business with a virtual account balance held within ScanPay's FBO Account at the Banking Partner, along with associated funding, transfer, and payout features described in this Addendum.

Wallet Balance  means the total value of funds credited to your virtual ledger account within the FBO Account, comprising both your Available Balance and any Pending Balance.

2. Eligibility and Enrollment

2.1  Eligibility

The ScanPay Wallet is available to businesses, including sole proprietors, partnerships, limited liability companies, corporations, and other business entities. The Wallet is not available to individual consumers. To enroll, you must:

• be an active ScanPay Merchant in good standing;
• be operating your business in a Licensed State;
• have completed ScanPay's identity and business verification (KYC/KYB) requirements and maintained a verified account in good standing;
• not be subject to any account suspension, funds hold, or compliance review that would prohibit Wallet access; and
• agree to this Addendum in the manner specified by the Platform at the time of enrollment.

ScanPay reserves the right to decline Wallet enrollment or to suspend or close a Wallet account at any time, with or without cause, subject to applicable law.

Wallet eligibility is determined based on your primary business address on file with ScanPay. You must provide accurate business location information and promptly notify ScanPay of any changes to your principal place of business. ScanPay reserves the right to modify or suspend your Wallet access if your principal place of business moves to a non-Licensed State.

2.2  Enrollment Process

To activate your Wallet, you must complete the enrollment flow in the Platform, which may include acknowledging this Addendum, confirming your business details, and completing any additional identity verification steps required by ScanPay or its Banking Partner. Enrollment is subject to OFAC screening and other compliance checks as required by applicable law.

2.3  Nature of the Wallet Balance

Your Wallet Balance is a ledger entry maintained by ScanPay on behalf of its Banking Partner. It does not constitute a bank account, deposit account, or investment account held in your name. Funds in your Wallet Balance are held in a pooled FBO Account at the Banking Partner as described in the Terms. At the banking level, your funds are commingled with funds of other Merchants, but tracked separately on ScanPay's internal ledger. You do not have a direct account relationship with the Banking Partner.

ScanPay does not pay interest on funds held in your Wallet Balance unless separately agreed to in writing for your account. ScanPay and its Banking Partner may earn interest or other returns on pooled funds held in the FBO Account; you are not entitled to any portion of such earnings.

Funds held in your Wallet Balance are not guaranteed to be FDIC insured on a pass-through basis. Whether pass-through FDIC insurance applies depends on applicable law, the FBO Account structure, and the adequacy of records at the time of any bank insolvency event. ScanPay makes no representation or warranty regarding the availability or amount of FDIC insurance coverage.

3. Receiving Funds Into Your Wallet

3.1  ScanPay Payments Payouts

If you elect to receive ScanPay Payments Payouts into your Wallet, ScanPay will credit the net settlement amount to your Wallet Balance at the conclusion of each settlement period. Each ScanPay Payments Payout reflects a consolidated settlement that accounts for Customer Payments received, platform fees, Chargeback deductions, dispute adjustments, and any other applicable offsets — the specific components of which are reflected in your ScanPay Payments account reporting.

Prior to final settlement, your Wallet may display a Pending Balance that reflects the anticipated payout amount based on activity occurring during the current settlement period. This amount is informational only, may fluctuate as transactions are processed, and does not represent funds available for transfer. Your Available Balance will be updated when the ScanPay Payments Payout is posted at the close of the settlement period.

The ScanPay Wallet does not alter or accelerate your ScanPay Payments settlement schedule, which is governed separately by the Terms.

3.2  Add Funds from a Connected Account

You may initiate an Add Funds transfer from your Connected Account to increase your Available Balance. Add Funds transfers are processed via ACH pull from your own business or personal bank account and are subject to your Connected Account being verified and in good standing. Add Funds transfers typically take one to two business days to reflect in your Available Balance, and any applicable limits will be disclosed in your account settings.

ScanPay is not responsible for returned or rejected ACH pulls caused by insufficient funds, account restrictions, bank-side errors, or other conditions outside ScanPay's control. If an Add Funds transfer is returned or reversed, ScanPay reserves the right to reverse any provisional credit to your Wallet Balance.

3.3  Third-Party Inbound Transfers

Your Wallet is assigned a unique account number and routing number through the Banking Partner, which you may provide to third parties for the purpose of receiving inbound ACH transfers, wire transfers, or other funds from payment processors, platforms, or other business counterparties. ScanPay is not responsible for the timing, accuracy, or success of inbound transfers initiated by third parties, and does not guarantee that all transfer types or originating institutions will be supported at all times.

You are solely responsible for any obligations, refunds, or liabilities arising from funds received into your Wallet from third parties. ScanPay has no visibility into the commercial arrangements underlying such inbound transfers and does not assume responsibility for associated disputes or reversals. In the event that a third-party transfer is reversed, returned, or challenged, the resulting debit will be applied to your Wallet Balance, and if your Available Balance is insufficient, ScanPay reserves the right to recover the shortfall through any means available under the Terms.

4. Outbound Transfers

4.1  Available Transfer Methods

ScanPay offers outbound transfer options from your Wallet Balance including Instant Transfer, Standard Transfer, same-day ACH, ACH, and wire transfer. The transfer methods available to your account at any given time are displayed in the Platform at the time you initiate a transfer. ScanPay reserves the right to determine which transfer methods are made available to your account, to add or remove methods, and to use any available method as a fallback when your selected method is unavailable or unsupported for a given transaction. Applicable fees and estimated delivery times for each method will be disclosed to you at the time of initiation.

4.2  Instant Transfer (RTP)

Instant Transfer delivers funds to a Recipient's bank account typically within minutes using Real-Time Payment (RTP) rails. The following conditions apply:

• A service fee applies to each Instant Transfer. The applicable fee will be displayed to you before you confirm the transaction.
• Delivery is contingent on the Recipient's bank being a participating member of the RTP network at the time of transfer. If the Recipient's bank does not support RTP, ScanPay will notify you, and your transfer will not be processed unless you select an alternative method.
• All RTP transfers are irrevocable once submitted to the payment network. You should verify all Recipient details carefully before confirming.
• Instant Transfers are subject to payout limits applicable to your account, as disclosed in the Platform.

4.3  Standard Transfer

Standard Transfer delivers funds to a Recipient's bank account typically within two to three business days using RTP or ACH rails. Applicable fees and estimated delivery timelines will be disclosed at the time of initiation. Standard Transfers are subject to payout limits applicable to your account.

Transfers submitted via Standard Transfer that have not yet begun processing may be cancellable through your account settings; however, ScanPay does not guarantee the ability to cancel any transfer once submitted, and you should not rely on cancellation as a remedy for errors. All RTP-based Standard Transfers are irrevocable once submitted to the payment network.

4.4  Withdrawals to a Connected Account

You may transfer funds from your Available Balance to your Designated Connected Account at any time. Applicable fees and timing for withdrawals will be disclosed at the time of initiation. Payout limits may apply as disclosed in your account settings.

4.5  Recipient Management

You are responsible for maintaining accurate and current Recipient records in the Platform. ScanPay does not guarantee the accuracy of Recipient bank details provided by you. Transfers sent to incorrect account details due to your error are not recoverable by ScanPay. You may add, edit, or remove Recipients through the Platform at any time, provided that changes to a Recipient will not affect transfers already in progress.

By adding a Recipient and initiating a transfer, you represent and warrant that: (a) you are authorized to send funds to that Recipient; (b) the transfer is for a lawful commercial purpose; and (c) the Recipient information you have provided is accurate and complete.

4.6  Irrevocability and Errors

All transfers processed via RTP rails — including Instant Transfers and any Standard Transfers routed over RTP — are irrevocable once submitted to the payment network. You are responsible for verifying the accuracy of all Recipient information before confirming a transfer. ScanPay is not responsible for losses resulting from transfers initiated by you or your authorized Team Members, including transfers sent to incorrect or fraudulent Recipient accounts. If you believe you have initiated a transfer in error, contact ScanPay support immediately at support@goscanpay.com; ScanPay will use commercially reasonable efforts to assist but cannot guarantee recovery of funds once a transfer has been submitted.

5. Fees and Disclosures

Transaction Fees. A fee may apply to certain Wallet transactions, including Instant Transfers and other transfer methods as applicable. Fees vary by transfer method and may vary by merchant. The applicable fee for any transaction will always be displayed to you in the Platform before you confirm the transaction. No transaction fee is charged without prior disclosure at the time of initiation.

Subscription and Periodic Fees. If ScanPay introduces any subscription, monthly, or other recurring fees in connection with the Wallet, those fees and their billing terms will be disclosed to you before you subscribe or are enrolled in any such fee arrangement. No recurring fee will be charged without your prior acknowledgment.

ScanPay reserves the right to update fees applicable to Wallet services at any time. Updated fees will be reflected in the Platform and will apply to transactions initiated after the effective date of the change. Your continued use of the Wallet constitutes acceptance of the fees in effect at the time of each transaction.

6. Connected Accounts

6.1  Eligibility and Ownership

You may link one or more U.S. bank accounts to your Wallet as Connected Accounts. All Connected Accounts must be held in your own name or in the name of your business entity. You may not link accounts belonging to third parties, employees, or other individuals. ScanPay reserves the right to reject any account that does not satisfy this requirement.

6.2  Verification

To link a Connected Account, you must complete any verification process required by ScanPay, which may include micro-deposit verification, third-party bank account verification services, or such other methods as ScanPay may require from time to time. ScanPay reserves the right to re-verify any Connected Account at any time, and to de-link or reject any Connected Account that fails verification, no longer satisfies eligibility requirements, or is flagged for compliance or fraud-related reasons. ScanPay will provide reasonable notice of de-linking except where prohibited by law or where notice would compromise a compliance investigation.

6.3  ACH Authorization

By linking a Connected Account and initiating an Add Funds transfer, you authorize ScanPay and its Banking Partner to originate ACH debit entries to that account in the amounts and at the times you specify through the Platform. This authorization remains in effect until you remove the Connected Account from the Platform or ScanPay terminates your Wallet access. You agree to notify ScanPay promptly if your Connected Account is closed, transferred, or otherwise unavailable.

Your use of the Connected Accounts feature is additionally governed by the ACH Authorization Agreement made available to you at onboarding or in your account settings.

7. Team Access

7.1  Authorizing Team Members

You may authorize individuals to access the Wallet under your account by inviting them through the Platform's Team settings. Each Team Member receives their own login credentials and operates under a role that determines their level of access, which may include the ability to view account information, initiate outbound transfers, or manage account settings. The roles and permissions available to your account are described in your Team settings at the time of invitation.

7.2  Payout Limits

Payout limits may apply to Team Members based on their assigned role. The applicable limits for each role will be disclosed in the Platform at the time a Team Member is added. ScanPay reserves the right to modify available roles, permissions, and payout limits at any time. You are responsible for all actions taken by Team Members acting under your account, including any transfers or changes they initiate within their assigned permissions. All transfers initiated by a Team Member within their assigned role and permissions are deemed authorized transactions on your account.

7.3  Removing Team Members

You may remove a Team Member's access at any time through your Team settings. Removal takes effect immediately for new actions. Any transfers already in progress at the time of removal will complete in accordance with their original terms.

8. Holds, Limits, and Compliance

8.1  Payout Limits

ScanPay may impose per-transaction, daily, or periodic limits on Add Funds transfers, outbound transfers, and withdrawals. Applicable limits are communicated in your account settings and may be updated at any time based on risk factors, compliance requirements, or Banking Partner policies.

8.2  Funds Holds

ScanPay reserves the right to place a hold on some or all of your Wallet Balance in the circumstances described in Section 5.6 of the Terms, including where ScanPay has reason to believe that a Chargeback, dispute, or reversal is likely; where your account shows indicators of fraud, money laundering, or other suspicious activity; or where a hold is required by applicable law, regulation, court order, or governmental authority. ScanPay will notify you of any hold as soon as reasonably practicable, except where prohibited by law or where notification would compromise a compliance or fraud investigation.

8.3  OFAC and Compliance Screening

All Wallet enrollment actions, funding events, and outbound transfers are subject to OFAC screening and other sanctions and compliance checks required by applicable federal and state law. ScanPay reserves the right to reject, block, freeze, or reverse any transaction that fails compliance screening, and to report such activity to applicable regulatory authorities as required by law.

8.4  Licensed States Limitation

Wallet services are available only in Licensed States. If ScanPay’s Money Transmitter License in your state is suspended, revoked, or not renewed, ScanPay may restrict your ability to initiate new Wallet transactions. Your Available Balance will remain accessible for withdrawal to your Designated Connected Account during any such restriction, subject to applicable holds and compliance requirements.

8.5  Transaction Monitoring

ScanPay may monitor Wallet activity, transfers, and account usage for the purpose of detecting fraud, money laundering, sanctions violations, or other activity that may violate applicable law or ScanPay’s policies. You agree to provide ScanPay with any information or documentation reasonably requested in connection with such monitoring or any related investigation, including information relating to the purpose of a transaction or the identity of a transaction counterparty. Failure to provide requested information in a timely manner may result in a hold on your Wallet Balance or suspension of Wallet access.

8.6  Suspicious Activity and Transaction Blocking

ScanPay may delay, block, cancel, or refuse to process any Wallet transaction if ScanPay believes, in its reasonable judgment, that the transaction may violate applicable law, sanctions programs, or ScanPay’s policies, or if ScanPay determines that additional review is required for fraud prevention or regulatory compliance purposes. ScanPay may also place a hold on Wallet funds or suspend Wallet access while such review is conducted. ScanPay will not be liable to you for any losses, delays, or damages resulting from a transaction that is delayed, blocked, cancelled, or refused in accordance with this section.

9. Acceptable Use and Prohibited Activities

9.1  Permitted Use

The Wallet may only be used to hold and transfer funds belonging to you or your business. You may not use the Wallet to receive, hold, or transmit funds on behalf of any third party except as necessary to complete legitimate payments made in the ordinary course of your business, such as payments to employees, contractors, suppliers, or refunds to customers. You may not use the Wallet to operate a payment processing service, money transmission service, marketplace settlement service, or other financial intermediary service for third parties without ScanPay’s prior written consent.

9.2  Prohibited Industries and Activities

The Wallet may not be used in connection with, or in support of, any of the following activities or industries:

• Gambling, online gaming, or wagering services;
• Cryptocurrency arbitrage, high-frequency crypto trading, or using the Wallet as an intermediary to convert or transfer cryptocurrency proceeds;
• Sanctions evasion or transactions involving parties, countries, or regions subject to OFAC sanctions or other applicable sanctions programs;
• Money mule activity, including knowingly receiving funds on behalf of another party and forwarding them to a third party at their direction; or
• Any other activity that is illegal, fraudulent, or in violation of applicable federal, state, or local law.

ScanPay reserves the right to immediately suspend or terminate Wallet access upon detection or reasonable suspicion of any prohibited activity, and to report such activity to applicable regulatory or law enforcement authorities as required by law.

10. Negative Balance

If your Wallet Balance becomes negative for any reason — including Chargebacks, reversals, returned transfers, fee deductions, or any other adjustment — you are responsible for restoring your balance to zero or above promptly. By maintaining a Wallet account, you authorize ScanPay to recover any negative balance by: (a) applying any future inbound credits to your Wallet, including ScanPay Payments Payouts or incoming transfers; (b) initiating a debit to your Designated Connected Account or any other Connected Account on file; or (c) pursuing any other recovery method available under the Terms. ScanPay may suspend outbound Wallet transfers while a negative balance remains outstanding.

11. Dormancy, Closure, and Unclaimed Property

11.1  Closure by Merchant

You may request closure of your Wallet at any time by contacting ScanPay support. Prior to closure, you must transfer any Available Balance to your Designated Connected Account. ScanPay will not complete the closure of your Wallet while any transfer is in progress or any Pending Balance remains outstanding.

11.2  Closure by ScanPay

ScanPay may close your Wallet as permitted under the Terms. Upon closure, ScanPay will disburse any Available Balance to your Designated Connected Account, less any amounts owed to ScanPay, within a commercially reasonable time not to exceed thirty (30) days from the date of closure, subject to applicable holds, compliance reviews, and any legal obligations that may delay disbursement.

11.3  Dormancy and Unclaimed Property

If your Wallet Balance remains inactive for twelve (12) consecutive months with no transfers, additions, or withdrawals, ScanPay may classify your Wallet as dormant. ScanPay will make reasonable efforts to notify you before taking any action on a dormant Wallet. Wallet balances that remain unclaimed after the dormancy period required under applicable state unclaimed property law will be remitted to the appropriate state authority as required by law.

12. Limitation of Liability

Without limiting the general limitation of liability provisions in the Terms, ScanPay's liability in connection with the Wallet is subject to the following additional limitations:

• ScanPay is not liable for delays or failures in transfer delivery caused by the Recipient’s bank, the RTP network, the ACH network, or any third-party payment infrastructure outside ScanPay’s control.
• ScanPay is not responsible for any losses, delays, or failures arising from network downtime, system outages, or interruptions affecting RTP, ACH, wire, or any other payment network or infrastructure used to process Wallet transactions, whether scheduled or unscheduled.
• ScanPay is not liable for losses resulting from your error in providing incorrect Recipient account or routing information.
• ScanPay is not liable for losses resulting from actions taken by a Team Member acting within their assigned role and permissions.
• ScanPay is not liable for fluctuations in Wallet Balance caused by Chargebacks, reversals, returned items, or adjustments to ScanPay Payments Payouts, except to the extent resulting from ScanPay's gross negligence or willful misconduct.
• ScanPay is not responsible for the failure, rejection, or delay of any inbound transfer initiated by a third party, including other payment processors or banking institutions.
• To the maximum extent permitted by applicable law, ScanPay's aggregate liability for any claim arising out of or related to the Wallet shall not exceed the total fees paid by you to ScanPay for Wallet services in the three (3) months immediately preceding the event giving rise to the claim.

13. Modifications

ScanPay may update or modify this Addendum at any time. Updated versions will be posted at goscanpay.com/wallet-addendum and will be effective immediately upon posting unless a later effective date is specified. ScanPay will provide you with notice of material changes through the Platform, by email to the address on your account, or by such other method as ScanPay determines to be reasonable. Your continued use of the Wallet after the effective date of any modification constitutes your acceptance of the modified Addendum.

14. Governing Law; Disputes

This Addendum is governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. All disputes arising out of or relating to this Addendum are subject to the arbitration and class action waiver provisions set forth in Section 16 of the Terms, which are incorporated herein by reference. Nothing in this Addendum modifies or supersedes those dispute resolution provisions.

15. Contact

If you have questions about this Addendum or the ScanPay Wallet, please contact us at:

StorePay, Inc. d/b/a ScanPay

Email: support@goscanpay.com

Website: goscanpay.com

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