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This Agreement and its terms may be supplemented from time to time by the Bank by notice to you, and such notice requirement may be satisfied by the revised terms being posted on the Website.

The following definitions and instructions apply to this Agreement: “You,” “your,” and, “Cardholder” means the person who submits an initial request for a Physical Card and/or Virtual Card and is authorized to use a Card as provided for in this Agreement. “We,” “us,” and “our” mean the Bank and/or its successors, affiliates, and assignees. “Card Account” means the account associated with your Card in which we account for the loads, transactions, fees and other claims associated with your Card. References to “Card” or “Cards” in this Agreement include the Card Account associated with such Card. “Physical Card” means the personalized physical card issued to you by Sutton Bank, which enables you to make certain electronic fund transfers to and from your Card Account with Sutton Bank. ““Virtual Card” means the virtual personalized card issued to you by Sutton Bank, which enables you to make certain electronic fund transfers to and from your Card Account with Sutton Bank. For the avoidance of doubt, the use of your Virtual Card will have the same legal effect as when you use your Physical Card. Unless the context requires otherwise, “Card” refers to the Virtual Card and the Physical Card. “Card Network Rules” means the operating rules, operating regulations, and other requirements of the Card Networks (as defined below). Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so that the singular includes the plural and the plural includes the singular. Our 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. This Agreement and its terms may be supplemented from time to time by the Bank by notice to you, and such notice requirement may be satisfied by the revised terms being posted on the Website, and you agree to check for updates to this Agreement. By continuing to maintain your Card Account or access its services, you are deemed to accept the terms of the revised Agreement and will be legally bound by its terms and conditions. 4. OVERVIEW; CARD DESCRIPTION Bank, in conjunction with Robinhood, will establish and maintain the Program to provide you access to a Card and associated Card Account established and maintained at the Bank for your benefit. You may use the Card wherever prepaid debit cards bearing the Mastercard® or Maestro® brands (“Card Network”) are accepted, subject to the terms and conditions of this Agreement. The Card is a prepaid card and can only be used to access value that you have previously loaded onto it or that have been loaded onto your Card on your behalf. When you use your Card, you are redeeming the value on the Card and not making a withdrawal from any other account other than the Card Account. The Card is not associated with an account other than the Card Account. The Card is not a gift card, a device that accesses money in an individual checking or savings account, a bank deposit account, a debit card, or a credit card or charge card that allows you to make purchases or obtain advances and pay later, and using the Card will not enhance your credit rating. You will not receive any interest on the funds on 20220607-2232894-7000749 5 your Card. The Card will remain the property of the Bank and must be surrendered upon demand. The Card is nontransferable and is not for resale. 5. IMPORTANT INFORMATION ABOUT OPENING A CARD ACCOUNT Keep record of your Card Account in case your Card is lost, stolen, or destroyed. Please read this Agreement carefully and keep it for future reference. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who obtains a Card. Accordingly, when you request a Card, we will ask you for certain information, including, but not limited to, your name, address, date of birth, Social Security Number, phone number, and other information that will allow us to verify your identity. We may also request additional identifying information and documentation from time to time in connection with your access to or use of certain Card features, functionality, and services. After your Card Account is opened, we may require you to provide a copy of your driver’s license or other identifying documents we deem necessary to verify your identity, address, or transactions on your Card Account. If we ask you to provide specific identifying documents and you do not provide such documents, we may immediately close or suspend your Card Account. These measures are specifically designed to help us protect your identity and identify possible fraud on your Card Account. U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”) Certification. You acknowledge that you are aware that the Bank has OFAC sanctions compliance obligations. You also acknowledge that this Agreement and your Card Account are subject to U.S. sanctions laws, rules, and regulations where you will not permit your Card to be used in a manner that would cause a violation of the above referenced laws, rules, and regulations. You also specifically represent and warrant that you have not been designated by OFAC as a Specially Designated National (“SDN”), that you have no reason to believe that you would be considered a blocked person by OFAC, and that you are not acting as an agent of any such person. To the extent that OFAC, via laws, rules, regulations, or Executive Order, has promulgated restrictive measures against a government or regime (“sanctioned regime”), you further represent and warrant that you are not employed by or acting as an agent of (1) an entity owned or controlled by a sanctioned regime, (2) a government-controlled entity of a sanctioned regime, or (3) a government corporation of a sanctioned regime. Further, you acknowledge and consent to Robinhood restricting your Card Account to the extent you access these from (1) a jurisdiction that is subject to comprehensive sanctions by OFAC or (2) any jurisdiction Robinhood has made a risk-based decision to restrict access to use of its application and website. Politically Exposed Person (“PEP”) Certification. You represent and warrant that you are not a PEP. To the extent you are or become a PEP in the future while you hold your Card Account, you represent and warrant that you will immediately notify the Bank and Robinhood and subject yourself to any due diligence measures deemed appropriate by the Bank and Robinhood. A Politically Exposed Person is an individual who is/was or is an immediate family member (spouse, parent, sibling, children, in-law, or dependent) or close associate (someone who is closely connected to the individual either socially or professionally) of 20220607-2232894-7000749 6 (1) a senior official in the executive, legislative, administrative, military, or judicial branches of a non-U.S. government (whether elected or not); (2) a senior official of a major non-U.S. political party; (3) a senior executive of a non-U.S. government-owned entity; or (4) a foreign individual who was or has been entrusted with a prominent public function. A senior official or executive includes an individual with substantial authority over policy, operations, or the use of government-owned resources. 6. CARD REGISTRATION/ACTIVATION To request your Card, follow the directions provided by Robinhood via the App or online. You should receive your Virtual Card soon after you request one once you follow the instructions on the App or online. You should be able to use your Virtual Card as soon as you receive it. If you request a Physical Card, you should receive it five to seven days or more after we receive your request. You must activate your Physical Card within the Robinhood App or online and set a PIN before you may use it. 7. PERSONAL IDENTIFICATION NUMBER (PIN) YOU CANNOT USE YOUR CARD TO PERFORM TRANSACTIONS UNTIL YOU HAVE ACTIVATED YOUR CARD AND SELECTED A PERSONAL IDENTIFICATION NUMBER (“PIN”). You will select your PIN when activating your card in the Robinhood App or online. We will issue only one PIN for each Card. You agree to take appropriate precautions to avoid the unauthorized use of your PIN, including (a) not sharing your PIN with other persons, (b) not writing your PIN on your Card, (c) keeping your PIN separated from your Card, (d) entering your PIN in a manner that helps ensure your PIN cannot be viewed by other persons, and (e) not entering your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately in accordance with Section 29 (Your Liability for Unauthorized Transfers). 8. ADDRESS AND NAME CHANGES You are responsible for notifying us of any change in your name, phone number, physical address, mailing address, or email address. Upon receipt of your notice of any change in your name or addresses, we may require you to provide additional verification. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. You agree that any notice or communication sent to you at a physical address, mailing address, or email address that is saved in our records as your most recent contact information shall be effective unless (a) you send us a notice of change in such addresses, (b) you comply with any additional verification requirements communicated to you by us, and (c) we confirm our acceptance of the change. We are not responsible for any failure or delay in the receipt or delivery of any email notifications. If you grant any other individual access to your email account, you agree that you are responsible for any release of your Card or Card Account information to such individual. 9. AUTHORIZED CARD USERS You are responsible and liable for all authorized transactions initiated and fees incurred through the use of your Card. If you grant any other individual access to your Card or Card information, you acknowledge