North One - Business Banking 15.8.1

North One business banking simplifies the complex aspects of managing your business, allowing you to concentrate on moving forward.

• Start for free¹ and:

• Eliminate the need to visit a bank branch again
• Utilize physical and virtual Mastercard® Small Business Debit Cards for purchases
• Apply for a Business Line of Credit and Business Term Loan⁵
• Facilitate sending and receiving payments from anywhere using Standard ACH, Same-Day ACH, wire transfers⁷, & more
• Handle deposits⁷ & sending Paper Checks⁸
• Receive instant payments with Real-Time Payments⁶
• Assign each co-owner their individual login and Mastercard® Small Business Debit Card
• Conveniently add cash at 90,000+ GreenDot® locations nationwide⁷
• Withdraw cash at any Cirrus® ATM without North One fees⁴
• Gain insights into your business finances by connecting to sales channels such as PayPal, Stripe, Square, Shopify, Amazon, and Etsy

• You receive immediate assistance from real individuals:

• Engage with a local Customer Care expert who comprehends your business
• Schedule a call, send an email, or chat live with us Monday to Friday, 9 am to 6 pm ET (excluding December 25th and January 1st)

North One operates as a financial technology company rather than a bank. Banking services for the deposit account are provided by The Bancorp Bank, N.A., Member FDIC.

The NorthOne Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC, under license by Mastercard International Incorporated. Mastercard and the circles design are trademarks of Mastercard International Incorporated. The Card can be used wherever Mastercard is accepted.

All trademarks and brand names are property of their respective owners. Their use does not constitute an endorsement or association with this card program.

1. Minimum $50 deposit requirement. Refer to your Deposit Account Agreement for further details.

1. Calculated based on North One user data. Time saved compared to processing a similar payment at a traditional bank. Learn about the time saved calculation here.

1. Applicable to the North One Standard Plan. A $20/month optional North One Plus Plan is available.

1. ATM Owner-Operators, merchants, and participating banks may impose their own fees and cash withdrawal limits.

1. Kanmon powers NorthOne Lending for loans. All loans are subject to credit approval. Terms may vary. Kanmon is a licensed lender. California Loans are made under a Department of Financial Protection and Innovation California Lenders Law License. Visit kanmon.com for more information.

1. Real-Time Payments are facilitated through The Clearing House Payments Company, LLC, typically occurring instantaneously; however, payment delay or cancellation may arise under certain circumstances. Consult your Deposit Account Agreement for additional details.

1. Refer to the Deposit Account Agreement for specifics on ACH transfers, Same-day ACH transfers, mobile check deposit, physical checks, domestic wire transfers, and third party cash transfers (subject to terms and conditions of GreenDot® Corporation).

1. The North One Account does not function as a checking account but allows pre-authorized checks with applicable fees. Review the Deposit Account Agreement for clarification.

1. Utilize North One Envelopes in allocating sections of your balance for specific purposes which can be viewed on the mobile app or website to aid organization. Refer to the Deposit Account Agreement for further understanding.