Payments Terms 

An Addendum to the Affiniti Terms of Use 

Last Updated: March 2026 

This Payments Terms (this "Addendum") is incorporated into and made a part of the Affiniti Terms of Use between you ("you" or "Company") and Affiniti Finance, Inc. ("Affiniti") governing use of your Affiniti Account. Capitalized terms used herein that are not otherwise defined have the meaning given in the Terms of Use. The Terms of Use as supplemented by this Addendum govern use of the Payment Services (defined below) available through your Affiniti Account. By accessing or using the Payment Services, you agree to be bound by this Addendum. If you do not agree, you may not use the Payment Services. 

1. Definitions 

1.1 Sponsor Bank has the meaning given to "Sponsor Bank" in the Terms of Use. 

1.2 Bill Payment means a payment made through the Payment Services to a Payee on your behalf in the amount specified by you. 

1.3 Invoice means an invoice, bill, or payment request submitted by or on behalf of a Payee and uploaded, imported, manually entered, or transmitted to the Payment Services. 

1.4 Linked Account has the meaning given in the Terms of Use. 

1.5 NACHA Rules means the NACHA Operating Rules, Guidelines, and Bylaws, as amended from time to time. 

1.6 Payee means a business or individual to whom you direct Affiniti to make a Bill Payment. 1.7 Payment Date means the date on which you schedule or direct Affiniti to initiate a Bill Payment. 

1.8 Payment Form means the payment instruction form generated by the Payment Services based on Invoice data or your manual inputs. 

1.9 Payment Method means the Affiniti Checking Account you designate to fund a Bill Payment. Bill Payments may only be funded from an Affiniti Checking Account held by the Company. 

1.10 Payment Services has the meaning given in Section 2.1 of this Addendum. 

1.11 Recurring Transfer means a scheduled recurring Bill Payment to a Payee, or a standing authorization for a Payee to debit your Affiniti Checking Account, in each case on a schedule you configure through the Platform. Scheduled recurring transfers for account management purposes are governed by the Automated Account Management Addendum. 

2. Bill Payments 

2.1 Through the “Payment Services”, Affiniti enables you to submit and schedule Bill Payments to Payees. Bill Payments will be funded from an Affiniti Checking Account held by the Company, which you designate at the time of payment, and will be processed to your designated Payee via ACH, wire transfer, or, in certain circumstances, check (each, a "Settlement Method"). The protections, limitations, and obligations in this Addendum apply to all Settlement Methods. Affiniti may add additional Settlement Methods over time, and any such methods will be governed by this Addendum as supplemented by applicable disclosures provided at the time of use.

2.2 To make a Bill Payment, you must upload or import an Invoice, forward an invoice to a designated email, use the Affiniti SMS-based expense management service or manually input payment details through the Payment Services. Where Affiniti extracts payment information from Invoices electronically, including via optical character recognition (OCR), email integration, or document parsing, the Payment Services will generate a Payment Form based on the extracted data. EXTRACTED DATA, INCLUDING ACCOUNT NUMBERS AND ROUTING NUMBERS, MAY CONTAIN ERRORS. YOU ARE SOLELY RESPONSIBLE FOR MANUALLY REVIEWING AND CONFIRMING THE ACCURACY OF THE PAYMENT FORM, INCLUDING PAYEE NAME, ACCOUNT NUMBER, ROUTING NUMBER, PAYMENT AMOUNT, AND PAYMENT DATE, BEFORE APPROVING ANY BILL PAYMENT. YOUR APPROVAL OF THE PAYMENT FORM CONSTITUTES YOUR CONFIRMATION THAT THE INFORMATION IS CORRECT. Affiniti does not verify the accuracy of extracted Invoice data and will have no liability for errors, losses, or misdirected payments resulting from inaccurate, incomplete, or fraudulent Invoice data, regardless of how the information was extracted or populated. 

2.3 By approving a Payment Form, you authorize Affiniti and the Sponsor Bank to initiate the Bill Payment on the Payment Date you select. Bill Payments initiated after the applicable cutoff time for the selected Settlement Method will be processed on the following Business Day. You acknowledge that processing timelines are subject to the ACH network, the Sponsor Bank, and the Payee's financial institution, and Affiniti makes no guarantee as to the timing of any Bill Payment. 

2.4 Affiniti is an independent technology provider and is not formally affiliated with your Payees. Your use of the Payment Services does not constitute a triparty agreement among you, Affiniti, and your Payees. Neither Affiniti nor the Sponsor Bank has any responsibility or liability for any consequences arising from your interactions or contracts with Payees, including payment terms, delivery of goods or services, late fees, or associated disputes. By submitting a Payment Form, you confirm that the goods or services provided by the Payee in exchange for the payment have already been rendered to your satisfaction. 

2.5 Wire Transfers. In certain instances, you may request that a Bill Payment be processed via domestic wire transfer. Wire transfers are, with very limited exceptions, final and non-reversible. You agree to be bound by any wire transfer instruction issued through your Affiniti Account, whether or not authorized, that Affiniti or the Sponsor Bank processes in good faith. You cannot amend or cancel a wire transfer after processing has commenced. In certain circumstances we may attempt to amend or cancel a wire transfer on your request, but we will not be liable to you if the wire transfer cannot be amended or cancelled. Wire transfers are processed based solely on the account number and routing number you provide. Neither Affiniti nor the Sponsor Bank has any obligation to verify that the beneficiary name matches the account holder at the receiving financial institution, and neither will have any liability for losses resulting from a mismatch between the account number and the beneficiary name. 

2.6 Checks. As an alternative to ACH or wire transfer, you may direct Bill Payments via check. Checks issued through the Payment Services are drawn on an account held at the Sponsor Bank. Affiniti is not the drawer of any check and makes no representation or guarantee regarding the honor or payment of any check. An anticipated send date will be provided, but actual delivery depends on the mail carrier and is outside our control. If you wish to request cancellation of a check that has been sent but not yet deposited by the Payee, please contact support. Cancellation is not guaranteed. 

2.7 Email Integration. Affiniti assigns each Company a unique designated email address for Invoice ingestion ("Designated Affiniti Email"). You may submit Invoices for processing by forwarding invoice emails or email threads to your Designated Affiniti Email. Affiniti does not access, connect to, or monitor your email accounts in any way; Affiniti only receives and processes content that you affirmatively forward to the Designated Affiniti Email. You represent and warrant that: (a) you are authorized to forward any email or attachment you transmit to the Designated Affiniti Email; (b) you have reviewed the forwarded

content and confirm it represents a legitimate Invoice; and (c) you assume full responsibility and liability for any Bill Payment initiated based on an Invoice forwarded to the Designated Affiniti Email, including Invoices that are fraudulent, altered, or forwarded without your authorization. Affiniti has no obligation to verify the authenticity of any Invoice received at the Designated Affiniti Email and will have no liability for Bill Payments initiated based on fraudulent or unauthorized Invoices forwarded to the Designated Affiniti Email, regardless of the source of the forwarding. By forwarding emails to your Designated Affiniti Email or enabling any Invoice ingestion feature, you acknowledge and consent to Affiniti receiving, processing, and retaining the full contents of emails and attachments transmitted through the connected account, including information that is unrelated to payments or the Affiniti Services. You are solely responsible for ensuring that such transmission is consistent with your obligations to email senders and other third parties. 

2.8 Returned Transactions. If a Bill Payment is returned for any reason, including insufficient funds, incorrect account information, or Payee rejection, you remain liable for the full amount of the Bill Payment plus any associated fees. Affiniti may, but is not obligated to, notify you through the Platform of returned transactions. Affiniti is under no obligation to reinitiate any returned payment. 

2.9 Fraud Controls; Payee Limits. Affiniti reserves the right, in its sole discretion, to impose verification requirements, velocity limits, or dollar thresholds on payments to new or recently added Payees, and to require additional confirmation steps before processing any payment that meets specified criteria. Affiniti will have no liability for any payment that is declined, delayed, or held pending verification under this Section, including any downstream consequences such as vendor late fees, missed payment deadlines, or charges imposed by your external financial institution. 

2.10 Vendor-Initiated Debits. Third-party vendors may initiate ACH debit entries against your Affiniti Checking Account pursuant to authorizations you have separately provided to those vendors. Affiniti is not a party to any such authorization and does not control whether, when, or in what amount a vendor exercises it. The Payment Services may attempt to match incoming vendor-initiated debits against open Invoices and display them in the Platform as bill payments. Any such matching is automated and may be inaccurate, incomplete, or may fail entirely. Affiniti has no liability for any misidentification, incorrect categorization, or failure to match a vendor-initiated debit to an Invoice. Your obligation to the vendor under your separate authorization is independent of how Affiniti categorizes the transaction, and Affiniti's failure to correctly match or display a vendor-initiated debit does not affect, suspend, or satisfy any payment obligation you have to that vendor. 

3. Recurring Transfers 

3.1 You may configure the Payment Services to initiate Recurring Transfers on a schedule you select. By enabling a Recurring Transfer, you authorize Affiniti and the Sponsor Bank to initiate the applicable ACH debit or credit entries on the schedule you configure, until you cancel the Recurring Transfer through the Platform. 

3.2 You are responsible for canceling or modifying any Recurring Transfer before the Cancellation Cutoff (as defined in Section 5.3) on the scheduled processing date. Cancellation requests received after the Cancellation Cutoff may not prevent the next scheduled transfer from being initiated. 

3.3 You are responsible for maintaining sufficient funds in the applicable source account on each scheduled date. Affiniti will have no liability for any fees, losses, or other consequences arising from a Recurring Transfer that fails due to insufficient funds. 

3.4 NACHA Rules apply to all Recurring Transfers processed via ACH. Affiniti may, in its sole discretion, suspend or terminate Recurring Transfers that result in an excessive return rate or otherwise create compliance risk under the NACHA Rules.

4. On-Demand and Scheduled Transfers 

4.1 Scope. In addition to any automated account management features you have separately enabled, the Platform enables you to manually initiate and schedule one-time or recurring transfers between your Affiniti Checking Accounts or between an Affiniti Checking Account and an External Account, without threshold conditions (each, an "On-Demand Transfer"). On-Demand Transfers between two Affiniti Checking Accounts are processed as book transfers. On-Demand Transfers between an Affiniti Checking Account and an External Account are processed via ACH and are subject to the Company Authorization in Section 5 and the NACHA Rules. 

4.2 Accuracy. You are solely responsible for ensuring that all account information provided for any On-Demand Transfer is complete and accurate. Affiniti has no obligation to verify the accuracy of account information you provide and will have no liability for transfers made based on incorrect information you supplied, including misdirected transfers. 

4.3 Scheduling and Cutoff Times. On-Demand Transfers initiated after the applicable cutoff time for the selected method will be processed on the following Business Day. book transfers may be subject to Sponsor Bank processing windows and are not guaranteed to be instantaneous. Affiniti will disclose applicable cutoff times through the Platform. 

4.4 Sufficient Funds. You will maintain sufficient funds in the source account to satisfy each On-Demand Transfer on the applicable processing date. If the source account has insufficient funds at the time of processing, Affiniti may decline the transfer without notice. Affiniti has no obligation to fund any shortfall and will have no liability for any consequences resulting from a declined or failed On-Demand Transfer, including late payment fees, missed obligations, or account charges. 

4.5 Cancellation. You may cancel a scheduled On-Demand Transfer before the Cancellation Cutoff (as defined in Section 5.3) by canceling through the Platform. Cancellation requests received after the Cancellation Cutoff may not prevent the transfer from being initiated. Revocation of ACH-based On-Demand Transfers is subject to Section 5.8 of this Addendum. 

5. Company Authorization 

5.1 You hereby authorize the Sponsor Bank to debit your designated Affiniti Checking Account for the amount of each Bill Payment, Recurring Transfer, On-Demand Transfer and any associated fees (collectively, "Payments"). This authorization extends to all debits made to effect each Payment and each Recurring Transfer on the schedule you configure. 

5.2 You are solely responsible for maintaining and protecting the access credentials used to access your Affiniti Account and accept full responsibility for all Payments initiated through your Affiniti Account. If a Payment received by Affiniti purports to have been transmitted or authorized through your Affiniti Account, it will be deemed effective as your Payment and you will be obligated for the full amount, including all associated fees, even where not authorized by you, provided Affiniti accepted the instruction in good faith. 

5.3 You may request cancellation of a Payment by contacting Affiniti through the Platform. Cancellation requests must be received no later than 12:00 PM Eastern Time on the day preceding the scheduled payment date (the “Cancellation Cutoff”). Affiniti has no obligation to honor cancellation requests received after the Cancellation Cutoff. Affiniti is not obligated to provide a refund of any associated fees for Payments that have commenced processing. 

5.4 Neither Affiniti nor the Sponsor Bank has an obligation to discover errors made by you and shall not be liable for such errors. NACHA Rules apply to all Payments processed via ACH.

5.5 Affiniti reserves the right to change procedures for Payments from time to time as it deems necessary to conform to changes in NACHA Rules, Sponsor Bank requirements, or other applicable law. 

5.6 Authorized Users. You are responsible for all Payments initiated by any User you have authorized to access your Affiniti Account, including any administrator, employee, contractor, or accountant, and regardless of the number of administrator accounts associated with your Affiniti Account. If you grant a User access and that User initiates a Payment or approves a Payment Form, that action is binding on you as the Company regardless of whether the User acted within the scope of the authority you intended to grant. This includes actions taken by an administrator who has exceeded their authority, who is acting adversely to the Company, or whose account credentials have been compromised or used without authorization. Affiniti has no obligation to investigate whether any Payment was authorized by you as between you and any User, to monitor your Affiniti Account for anomalous or suspicious activity, or to flag any Payment as potentially unauthorized. Affiniti's good-faith processing of any instruction issued through your Affiniti Account constitutes full discharge of Affiniti's obligations with respect to that Payment, and the Company bears all risk of loss resulting from any action taken by any User through your Affiniti Account, including unauthorized, fraudulent, or malicious actions. You are solely responsible for managing the access, permissions, and conduct of all Users on your Affiniti Account. 

5.7 Irreversibility. Once a Payment has been submitted for processing, Affiniti cannot guarantee its reversal or recovery regardless of Settlement Method. This applies to ACH payments, wire transfers, and paper checks. Affiniti will use commercially reasonable efforts to assist with stop-payment or reversal requests but has no obligation to reverse, recall, or recover any Payment once processing has commenced and will not be liable for any failure to do so. You acknowledge that you may not rely on Affiniti's ability to reverse any Payment and that you bear the full risk of any Payment submitted through your Affiniti Account. 

5.8 ACH Authorization Revocation. You have the right to revoke your ACH authorization for any scheduled or recurring Payment at any time by canceling the applicable Payment through the Platform or by providing written notice to Affiniti at the contact address set forth in the Platform. Revocation is effective for Payments not yet submitted to the ACH network at the time Affiniti processes your revocation request. Any Payment already submitted for processing at the time of revocation will proceed and remain subject to this Addendum. Affiniti will use commercially reasonable efforts to process revocation requests promptly but is not responsible for Payments initiated prior to the effective time of revocation. Revocation of an ACH authorization does not affect any underlying payment obligation you may have to a third-party payee, and Affiniti has no liability for any payment obligation that remains unpaid as a result of a revocation. 

6. Your Relationship with the Sponsor Bank 

The Sponsor Bank will process Payments as originating or receiving depository financial institution, as applicable, pursuant to the NACHA Rules and applicable law. You authorize the Sponsor Bank to follow the instructions of Affiniti with respect to Payments initiated under this Addendum, and you agree that the Sponsor Bank may rely on such instructions without further investigation or authorization from you. 

7. Your Relationship with Affiniti 

7.1 Affiniti's duties under this Addendum are limited to providing software, data management, and website services and acting as your agent as described herein. Affiniti will not receive, hold, own, or transmit Payment funds. No provision of this Addendum shall be read or interpreted to authorize or require Affiniti to perform any action that would cause Affiniti to be subject to, or in violation of, any federal, state, or local law or regulation applicable to money transmitters, banks, or other financial institutions.

7.2 You hereby appoint Affiniti to act as your designated agent for purposes of this Addendum. You expressly authorize Affiniti to: (a) provide the software and data services that support the Payment Services; (b) maintain records of your Payments; (c) direct the Sponsor Bank to initiate and process Payments on your behalf; (d) make individual Payment information available to applicable Payees; and (e) take any other action that Affiniti or the Sponsor Bank deems necessary to provide the Payment Services. 

7.3 Affiniti may collect, process, analyze, and use Invoice data, Payment Form data, and bill payment transaction data (including payee information, payment amounts, and payment patterns) for its own business purposes, including product development, analytics, benchmarking, and the creation of aggregated or de-identified data products. Any use of such data for commercial purposes involving third parties will be on an anonymized, de-identified basis that does not identify you or any individual payee. 

8. Restricted Activities 

In connection with your use of the Payment Services, you agree that you will not: 

● breach this Addendum or any other agreement with Affiniti; 

● provide false, inaccurate, or misleading information in connection with any Payment or Invoice; ● send or receive fraudulent funds or initiate a Payment you know or reasonably should know to be unauthorized; 

● use the Payment Services in violation of any applicable law, statute, ordinance, or regulation, including OFAC sanctions regulations; 

● use the Payment Services to make payments to sanctioned parties or in furtherance of any unlawful purpose; 

● use the Payment Services in any manner that could create a risk of non-compliance by Affiniti with applicable anti-money laundering or counter-terrorism financing obligations; or ● refuse to cooperate in any investigation or to provide confirmation of your identity or any information you provide to us. 

If Affiniti believes you have engaged in any restricted activity, Affiniti may, in its sole discretion, suspend or terminate your access to the Payment Services, notify the Sponsor Bank or relevant authorities, or take such other action as Affiniti deems appropriate. 

9. No Warranty; Limitation of Liability 

9.1 THE PAYMENT SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED, OR STATUTORY. AFFINITI AND THE SPONSOR BANK SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NEITHER AFFINITI NOR THE BANK GUARANTEES CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO THE PAYMENT SERVICES. AFFINITI WILL MAKE REASONABLE EFFORTS TO ENSURE THAT PAYMENTS ARE PROCESSED IN A TIMELY MANNER BUT MAKES NO REPRESENTATION OR WARRANTY REGARDING PROCESSING TIME, AS THE PAYMENT SERVICES DEPEND ON FACTORS OUTSIDE AFFINITI'S AND THE BANK'S CONTROL. 

9.2 IN NO EVENT SHALL AFFINITI OR THE SPONSOR BANK BE LIABLE FOR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS, ARISING OUT OF OR IN CONNECTION WITH THE PAYMENT SERVICES OR THIS ADDENDUM, HOWEVER ARISING, INCLUDING NEGLIGENCE. ANY

LIABILITY OF AFFINITI OR THE SPONSOR BANK TO YOU IS LIMITED TO THE AMOUNT OF DIRECT DAMAGES ACTUALLY INCURRED. 

9.3 Affiniti makes no representations or warranties that the Payment Services will prevent payment fraud, unauthorized transactions, or errors arising from actions of third parties, including fraudulent Invoices, compromised email accounts, or unauthorized Payee information. 

9.4 Notwithstanding anything in this Section 9 to the contrary, Affiniti’s aggregate liability under this Addendum is subject to and shall not exceed the limitation of liability set forth in the Terms of Use. In the event of any conflict between this Section 9 and the limitation of liability provisions of the Terms of Use, the Terms of Use shall control. 

9.5 Without limiting Section 7.2, Affiniti will have no liability for any vendor late fees, late payment penalties, overdraft charges, returned item fees, or other third-party costs incurred by you as a result of a failed, delayed, or declined payment, regardless of cause. 

10. Indemnification 

You agree to indemnify and defend Affiniti, the Sponsor Bank, their respective affiliates, and each of their employees, contractors, vendors, and service providers from and against any losses, liabilities, damages, claims, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to: 

● your submission or initiation of Payments through the Payment Services; 

● your breach of any representation, warranty, or covenant in this Addendum; 

● your failure to verify the accuracy of Invoice data or Payment Form information before approving a Payment; 

● any fraudulent or unauthorized Invoice forwarded to the Designated Affiniti Email; or ● your failure to maintain sufficient funds in any source account on any scheduled payment date. 

11. Governing Terms 

11.1 Dispute Resolution. Any dispute arising under or in connection with this Addendum, including any dispute relating to the Payment Services, is subject to the arbitration provision and class action waiver set forth in Section 18 of the Terms of Use, which is incorporated herein by reference in its entirety. You acknowledge that disputes under this Addendum will be resolved by binding individual arbitration and that you waive any right to bring or participate in a class action relating to the Payment Services. 

11.2 Controlling Terms. This Addendum supplements and is subject to the Terms of Use. Except as expressly provided in this Addendum, the Terms of Use govern all matters related to your use of the Payment Services. In the event of a conflict between this Addendum and the Terms of Use, the limitation of liability and dispute resolution provisions of the Terms of Use shall in all cases control. 

11.3 Amendments. Affiniti may amend, modify, or supplement this Addendum at any time in its sole discretion by posting updated terms to the Platform or providing notice to you by email or through the Platform. Amendments are effective upon posting or notice, as applicable. Your continued use of the Payment Services following the effective date of any amendment constitutes your acceptance of the amended terms. If you do not agree to an amendment, you must discontinue use of the Payment Services prior to the effective date.