Master Service Agreement

Last Updated: April 21, 2026

This Master Service Agreement ("MSA") is entered into by and between you and Grasshopper Bank, N.A. ("Bank", "we", "us", "our"). This Agreement governs your use of banking services made available to you through the SkyFi platform, including Mobile Banking, ACH and Wire Transfer Origination, Remote Deposit Capture, Bill Pay, and debit card services. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. SkyFi is a financial technology company and program manager — it is not a bank.

Schedules

Deposit Account Terms & Conditions Funds Availability Policy Electronic Funds Transfer Agreement Grasshopper Bank Banking Agreement Schedule A – Security Features & Procedures Schedule B – Fund Transfer Origination Services Schedule C – Bill Payment Services Schedule D – Remote Deposit Capture Services Schedule E – Debit Card Terms and Conditions Schedule F – Virtual Card Terms and Conditions Acceptance of Master Service Agreement

Acceptance

Acceptance of Master Service Agreement

By electronically signing or accepting this Grasshopper Bank Master Service Agreement, or by using the Services or maintaining an account, the Client agrees to be bound by the Grasshopper Bank, N.A. Master Service Agreement, together with the Deposit Agreement, the Grasshopper Bank Banking Agreement, each applicable Schedule, and all corresponding Supporting Documents (collectively the "Agreement").

By accepting the Agreement, the Client represents and warrants that: it has determined it is in the Client's best interest to enter into the Agreement; the Authorized Representative who signs or accepts the Agreement is duly authorized to bind the Client; and the Agreement constitutes a binding, valid, and legally enforceable obligation.

Grasshopper Bank, N.A.

261 5th Avenue, Suite 610, New York, NY 10016

Phone: 1-888-895-9685

Email: support@grasshopper.bank