Omni® Debit Card Program Deposit Account Agreement

Deposit Account Agreement and Disclosures — CBW Bank, Member FDIC

Last Updated: January 26, 2026

Please read this Deposit Account Agreement (the “Agreement”) carefully and retain it for your records. This Agreement contains the general terms, conditions, and disclosures related to the non‑interest‑bearing demand deposit account made available to eligible consumers by CBW Bank (“CBW Bank” or the “Bank”), Member FDIC, and serviced and program‑managed by CashRepublic Financial LLC (“CashRepublic” or the “Program Manager”). The debit card for the Account (defined below) is the Omni® Debit Card (the “Card”). The Card is issued by CBW Bank, Member FDIC, pursuant to a license from Mastercard International. Omni Financial of Nevada, Inc. is a subsidiary of CashRepublic Holdings, Inc. and an affiliate of CashRepublic Financial LLC; Omni Financial of Nevada, Inc. is a state‑licensed lender. Loan products, if offered, are not issued by CBW Bank.

When this Agreement uses the words “we,” “us,” or “our,” it refers to CBW Bank, as well as any of its affiliates, successors, assignees, agents, or service providers acting on its behalf. “You” and “your” refer to the Account holder, as well as your personal representatives, executors, administrators, and successors.

PLEASE NOTE: SECTION 17 OF THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WITH A CLASS ACTION WAIVER. IF YOU ARE COVERED BY THE MILITARY LENDING ACT (ACTIVE‑DUTY SERVICEMEMBERS AND COVERED DEPENDENTS), THE ARBITRATION AGREEMENT DOES NOT APPLY TO YOU.

ELECTRONIC‑ONLY DISCLOSURES: BY OPENING OR USING THE ACCOUNT OR CARD, YOU CONSENT TO RECEIVE ALL DISCLOSURES, STATEMENTS, AND NOTICES ELECTRONICALLY ONLY. WE DO NOT PROVIDE PAPER DISCLOSURES OR PAPER STATEMENTS.

Table of Contents

1. Our Agreement; Conflicts; Amendments
2. Definitions
3. Eligibility; Titling; How to Open; KYC/PATRIOT Act
4. Electronic Disclosures and Statements (E‑SIGN Consent)
5. Truth‑in‑Savings: Account Type; APY; Minimums
6. Deposits and Add‑Funds Methods; Prohibited Deposits
7. Funds Availability (Reg CC); Holds
8. Using Your Card & Card Features
9. Limits; Security; No Overdrafts; Posting Order
10. Fee Schedule
11. Electronic Fund Transfers (Reg E)
12. Statements; Notices; Address Changes
13. Benefits & Features (Summary)
14. Legal Process; Setoff; Escheat; Exploitation Protections
15. Third‑Party Services; Data Aggregators; Privacy
16. Closing; Dormancy; Inactivity
17. Dispute Resolution and Arbitration (Non‑MLA)
18. Governing Law; Miscellaneous

Appendix A — Fee Schedule

Appendix B — Funds Availability Policy

Appendix C — Electronic Fund Transfers (Reg E) Disclosure

Appendix D — Benefits & Features Table

Appendix E — Privacy Notice (Summary)

1. Our Agreement; Conflicts; Amendments

This Agreement governs your Account. If there is a conflict between this Agreement and any other document concerning the Account, this Agreement controls. If there is a conflict between this Agreement and terms governing other services offered through the Omni® App, the separate terms for those services control.

We may amend this Agreement or fees at any time as permitted by law. Changes will be provided electronically via the Omni® App, secure link, or email. Your continued use of the Account or Card after notice constitutes acceptance of the change.

2. Definitions

“Account” means your non‑interest‑bearing demand deposit account at CBW Bank accessible via the Omni® mobile application (the “App”). “Available Balance” means funds in the Account less holds and pending authorizations. “Business Day” means Monday–Friday, excluding federal holidays. “EFT” means an electronic fund transfer as defined in Regulation E. “In‑Network ATM” means an ATM within our participating surcharge‑free network.

3. Eligibility; Titling; How to Open; KYC/PATRIOT Act

You must be at least 18 years old; a U.S. citizen or lawful permanent resident; have a U.S. residential address or military APO/FPO address; and a valid SSN or ITIN. The Account is for consumer, personal, family, or household purposes only. Business, trust, joint, and custodial accounts are not supported.

To open an Account, apply through the App and provide all requested information. Federal law requires us to obtain, verify, and record information that identifies each person who opens an account (USA PATRIOT Act). We may decline to open an Account or issue a Card for any lawful reason.

4. Electronic Disclosures and Statements (E‑SIGN )

Electronic‑Only Delivery. You agree to receive all required disclosures, legal notices, statements, privacy notices, and changes in terms electronically only. We do not provide paper disclosures or paper statements.

How You Receive Disclosures. Disclosures will be made available through the App. We may also provide them by email or secure link, including via a QR code included with your Card mailer.

Consent; Withdrawal. By activating/using the Card or Account or accessing the App, you consent under the E‑SIGN Act. If you withdraw consent, we may close your Account because we do not support paper delivery.

Hardware/Software. You must have a mobile device capable of running the App, internet access, a valid email address, and the ability to save or print PDF documents.

5. Truth‑in‑Savings: Account Type; APY; Minimums

The Account is a non‑interest‑bearing demand deposit account. Annual Percentage Yield (APY): 0.00%. No minimum opening deposit or minimum balance is required.

6. Deposits and Add‑Funds Methods; Prohibited Deposits

Permitted deposits include: electronic deposits (ACH), ACH transfers from linked U.S. accounts, card‑based instant transfers (if offered), and credits from Omni loan proceeds if you elect to receive proceeds to the Card. We may limit, refuse, or return any deposit. The recipient’s name on any deposit must match the Account name or the deposit may be returned.

We do : wires, mailed cash, foreign currency, or paper checks mailed to us (unless expressly requested). Any such items may be returned or destroyed.

7. Funds Availability (Reg CC); Holds

Electronic deposits (such as ACH credits) are generally made available on the business day we receive the deposit.  In some cases, ACH deposited may be made available on the effective date of the transfer.

Longer delays in availability may apply in certain circumstances, including but not limited to new Accounts, unusual or large amounts, suspected fraud, risk reviews, system or network processing constraints, or otherwise required by law.

We will provide notice of delays in availability when required by applicable law.

8. Using Your Card & Card Features

The Card can be used anywhere Mastercard debit cards are accepted, and this Agreement. The Card remains Bank property and is non‑transferable. Use for illegal transactions, including internet gambling or transactions prohibited by applicable law or network rules, is prohibited. You may add the Card to a digital wallet subject to eligibility requirements, security procedures, and wallet provider terms.

Early Paycheck Access. Eligible ACH direct deposits, including certain federal government payments (e.g., DFAS, Social Security, and veterans’ benefits), may be made available up to five (5) days early. Early access is not guaranteed and may vary; availability depends on when we receive the payor’s instructions, internal processing timelines, limits, and fraud screening.

9. Limits; Security; No Overdrafts; Posting Order

We may establish and change dollar and frequency limits for deposits, withdrawals, and transfers, including security‑related limits. We do not permit overdrafts; transactions that exceed the Available Balance may be declined. In rare cases, the Account may become negative (e.g., due to reversals or merchant settlement differences); you must promptly repay any negative balance and assessed fee.  See Appendix A – Fee Schedule.

Posting Order. We post deposits/credits, then fees, then debits in real time as received. Authorizations reduce Available Balance until settlement or expiration of the hold. Some merchant types may request preauthorizations in excess of the final transaction amount (e.g., fuel, hotels, rental cars).

10. Fee Schedule

See Appendix A — Fee Schedule.

11. Electronic Fund Transfers (EFT – Reg E)

Your Account supports EFTs, including ACH transfers, Card transactions, ATM withdrawals, and other electronic transfers. Your rights and responsibilities, including liability for unauthorized transfers and error resolution, are provided in Appendix C.

12. Statements; Notices; Address Changes

We provide electronic statements monthly when there is activity, and at least quarterly otherwise. You must promptly review statements and notify us of errors within the time limits in Appendix C. You must keep your contact information current.

13. Benefits & Features (Summary)

See Appendix D — Benefits & Features. The Appendix is a summary; if any inconsistency exists, this Agreement controls.

14. Legal Process; Setoff; Escheat; Exploitation Protections

We may honor legal processes (e.g., levies, garnishments) and may exercise setoff or security interest rights to the extent permitted by law. Inactive or unclaimed funds may be escheated to your state of record. We may place holds or take reasonable steps to protect vulnerable customers from financial exploitation.

15. Third‑Party Services; Data Aggregators; Privacy

At your direction, you may permit third‑party service providers (including data aggregators) to access your Account. You are responsible for any permissions you grant. Your data is handled in accordance with the Privacy Notice (Appendix E).

16. Closing; Dormancy; Inactivity

You may request Account closure via the App after all pending transactions clear. We may suspend or close the Account for risk, suspected fraud, or inactivity. State unclaimed property laws may require us to remit balances after dormancy periods; we will attempt to contact you as required.

17. Dispute Resolution and Arbitration (Non‑MLA)

If you are covered by the Military Lending Act (active‑duty servicemembers and covered dependents), this Section does not apply to you. For all others, except for small‑claims matters that qualify and remain in small‑claims court, any dispute arising out of or relating to the Account, Card, or this Agreement shall be resolved by binding arbitration on an individual basis.

Class Action and Jury Trial Waiver. YOU AND WE WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION OR OTHER REPRESENTATIVE PROCEEDING. Arbitration will be administered by AAA or JAMS under applicable consumer rules. You may opt out of arbitration by sending written notice within sixty (60) days after you open the Account.

ARBITRATION OF DISPUTES: RESOLUTION OF DISPUTES: I HAVE READ THIS PROVISION   CAREFULLY   AND UNDERSTAND THAT IT LIMITS MY RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ME. I UNDERSTAND THAT I HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN SUBSECTION (b) BELOW. If you are a “Covered Borrower” as defined by the Military Lending Act (32 CFR §232, as amended from time to time) at the time of entering into this Agreement, this section 35 (the “Arbitration Provision”) is not applicable, you do not need to opt out of or take any action to ensure inapplicability.

1. Either party to this Agreement, or any subsequent holder, may, at its sole election, require that the sole and exclusive forum and remedy for resolution of a Claim (as defined below) be final and binding arbitration pursuant to this section 35, unless you opt-out as provided in subsection (b) below. As used in this Arbitration Provision, “Claim” means any past, present, or future claim, dispute, or controversy involving you, on the one hand, and us (or persons claiming through or connected with us and/or the subsequent holders), on the other hand, relating to or arising out of this Agreement, our website, and/or the activities or relationships arising from this Agreement, including (except to the extent provided otherwise in the last sentence of subsection (f) below) the validity or enforceability of this Arbitration Provision or the Agreement. Past, present, or future claims, disputes, or controversies regarding any other agreements, including, without limitation, any agreements for any other products or services, between you and us (or persons claiming through or connected with us and/or the subsequent holders) are subject to the terms and conditions of those specific other agreements, and the terms and conditions of those other agreements are not amended by this Agreement. Claims are subject to arbitration regardless of whether they arise from contract, tort (intentional or otherwise), constitution, statute, common law, or principles of equity, or otherwise. Claims include matters arising as initial claims, counterclaims, crossclaims, third-party claims, or otherwise.
2. You may opt out of this Arbitration Provision by sending an arbitration opt-out notice to CashRepublic Financial, Card Services, P.O. Box 1808, Orlando, FL 32802-1808. Attention: Legal Department, which is received at this address within thirty (30) days of the date of your electronic acceptance of the terms of this Agreement. The opt-out notice must clearly state that you are rejecting arbitration; identify this Agreement; provide your name, address, and social security number; and be signed by you. You may send an opt-out notice in any manner you see fit if it is received at the specified address within the specified time. No other methods can be used to opt out of this Arbitration Provision. If the opt-out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the opt-out notice on your behalf. Any opt-out notice sent under this subsection (b) will only affect your opt-out of this Arbitration Provision in this Agreement and will not affect an opt-out, or any other aspect, of any other arbitration provision between you and us.
3. The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial Arbitration and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may visit the AAA’s website at: www.adr.org. If you have any questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you may visit their website at: www.jamsadr.com. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply.
4. If we (or the subsequent holder) elect arbitration, we (or the subsequent holder, as the case may be) shall pay all the administrator’s filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing law if contrary to the administrator’s rules. We (or the subsequent holder, as the case may be) shall pay the administrator’s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party requesting the hearing unless the administrator’s rules or applicable law require otherwise, or you request that we (or the subsequent holder) pay them, and we agree (or the subsequent holder agrees) to do so. Each party shall bear the expense of its own attorneys’ fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.
5. Any award by an arbitrator shall be final and binding, except for any appeal right under the Federal Arbitration Act (“FAA”) and may be entered as a judgment in any court of competent jurisdiction.
6. We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or an equivalent court, if any, so long as the Claim is pending only in that court. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (i) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (ii) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this section 35 Arbitration of Disputes, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this section 35 Arbitration of Disputes shall be determined exclusively by a court and not by the administrator or any arbitrator.
7. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect confidential information.
8. This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to this Agreement; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or Loan Agreement or Promissory Note (s) or any other promissory note(s) which you owe, or any amounts owed on such loans or notes, to any other person or entity. If any portion of this Arbitration Provision other than subsection (f) is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in subsection (f) are finally adjudicated pursuant to the last sentence of subsection (f) to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision.

THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.

18. Governing Law; Miscellaneous

This Agreement is governed by the laws of Kansas (Bank’s home state). Section headings are for convenience only. If any provision is found unenforceable, the remainder remains in effect.

19. Our Relationship With You

By opening an Account, you establish a deposit account relationship with CBW Bank, Member FDIC, as described in this Agreement. CashRepublic Financial LLC and Omni Financial of Nevada, Inc. act solely in the roles described elsewhere in this Agreement.   We will act in good faith and exercise ordinary care in our dealings with you as defined by the Uniform Commercial Code as adopted by the State in which your Account is maintained. Nothing in this Agreement and your Account creates a fiduciary, agency, partnership, or other special relationship between you and CBW Bank, CashRepublic, or Omni Financial, or any of their affiliates.

20. Confidentiality and Our Privacy Policy

Your privacy is important to us. Under this Agreement, we generally disclose information about your Account or transactions only: (1) to verify your identity and eligibility; (2) where necessary to complete transactions; (3) to verify the existence and condition of your Account for a third party; (4) to comply with legal process or government orders; (5) as described in CBW Bank’s Privacy Policy and CashRepublic’s Privacy Notice each of which governs that party’s respective data collection, use and disclosure practices or (6) with your consent. See Appendix [Privacy] or visit the links provided in the App for CBW Bank’s privacy policy and CashRepublic’s privacy notice. You authorize CBW, CashRepublic, and Omni Financial to share information with each other and with service providers as reasonably necessary to service the Account, the Omni® Debit Mastercard®, and related features.

21. Cell Phone Communications

By providing a telephone number for a cellular phone or other wireless device, you consent to receive communications at that number from CBW, CashRepublic, Omni Financial, and our respective service providers and agents, including prerecorded or artificial voice messages, text messages, and calls made using an automatic telephone dialing system. Your carrier may charge you for calls or messages. We may record or monitor communications for quality, training, or compliance. You may revoke this consent as permitted by law by contacting us, but we may still contact you as allowed by law regarding your Account.

22. Services and Features Offered Through Third Parties

Certain Account services and features may be provided by third parties (for example, digital wallet providers, cash load networks, data aggregators, or rewards partners). Such services are not operated by CBW and may be subject to separate terms, conditions, and privacy policies. Accessing a third‑party service through the App does not modify this Agreement. Before enabling or using any third‑party service, you must review and agree to the applicable third‑party terms. We are not responsible for third‑party services, and availability may vary by location.

23. How to Contact Us

The fastest way to contact support is through the in‑App chat. You may also reach us by phone at (833) 813‑2274 or by email at Depositsupport@yesomni.com. Live support is available Monday–Friday 08:00AM  – 08:00PM Pacific Time, excluding federal holidays. You may also write to: CashRepublic Financial – Omni Program, Card Services, P.O. Box 1808, Orlando, FL 32802-1808. Use these channels to (1) report a lost/stolen card, (2) report unauthorized activity, or (3) notify us of an error or make an inquiry about your Account.  Contact us as soon as possible if you believe your Card or Account has been compromised.

24. Your Omni Checking Account Responsibilities

We strive to keep your Account secure and provide tools to help you manage your Account and Omni® Debit Mastercard®. However, you should take the following steps to protect your Account, Card, and funds.

A. Notify Us If Your Information Changes

Notify us immediately if your name, telephone number, mailing address, email address, or other information changes so we can continue to provide statements and important notices concerning your Account.

B. Keep Track of Your Transactions and Available Balance

Track your transactions and your Available Balance using the App. Your Available Balance may not reflect all authorized but unsettled transactions. Review your electronic statements and transaction history for errors or unauthorized activity and notify us promptly

C. Protect Your Account and Card Information

Protect your Account number, statements, Card, PIN, and App credentials. Keep your device secure and avoid accessing the App when others can view your screen. Never share login credentials or passwords. If your Account number, Card, device, or App credentials are lost or stolen, notify us immediately.

D. Prohibited Use

In addition to other prohibitions in this Agreement, you may not use the Account or Card to engage in or support illegal activities, online gambling, or conduct involving hate, violence, harassment, discrimination, or intolerance. We may close your Account in our sole discretion if we determine you violated the letter or spirit of this Agreement.

Appendix A — Fee Schedule

Omni® Debit Card Fee Schedule

Important Fee Disclosures

• Overdrafts are not permitted; however, a negative balance may occur due to transaction timing, adjustments, or reversals.
• Any negative balance will be deducted automatically from future deposits.
• ATM operators may impose additional fees for out-of-network withdrawals; those fees are not controlled by us.
• Fees may change in the future as permitted by law. If a fee changes, we will notify you in advance as required by applicable law.

Appendix B — Funds Availability Policy (Reg CC)

Direct Deposits (ACH): Available on the day we receive the deposit. Cash Loads: Typically available within one (1) Business Day (provider‑dependent). Mobile Check Deposits (if offered): Generally available within one (1) to two (2) Business Days. We may delay availability for new accounts, large deposits, repeatedly returned items, suspected fraud, or emergencies. We will notify you if a longer hold applies.

Appendix C — Electronic Fund Transfers (Reg E) Disclosure

Liability for Unauthorized Transfers: If you tell us within 2 Business Days after learning of loss/theft of your Card or App credentials, your liability is limited to $50; if you do not, liability may be up to $500. If your statement shows unauthorized transfers and you do not notify us within 60 days after it was made available, you may be liable for subsequent unauthorized transfers.

Error Resolution: Contact us through the App or as provided in the App within 60 days after we made the statement available. We will investigate within 10 Business Days (20 for new accounts) and may provisionally credit your Account; we typically resolve within 45 days (90 for new accounts, foreign transactions, or POS transactions).

Preauthorized Transfers: You may stop payment on a preauthorized debit by notifying us at least 3 Business Days before the scheduled debit.

Appendix D — Benefits & Features

Appendix E — Privacy Notice

We collect personal information about you that you provide during Account opening and through your use of the App, including identifiers, contact information, government identification numbers, transactional  data, and device or usage information.  We use this information to service your Account, comply with laws, prevent fraud, process transactions, verify your identity, communicate with you, and improve services. We may share information with the Bank, affiliates and service providers that perform services on our behalf, such as fraud monitoring, identity verification, customer support and technology hosting, and as required by law. We do not sell your personal information as “sell” is traditionally defined. We do not share personal information with nonaffiliated third parties for their independent marketing purposes. We use administrative, technical, and physical safeguards to protect your information. You may request access to and corrections of your personal information, subject to verification and applicable law.  Additional privacy rights may be available depending on your state of residence.

For additional information about how personal information is collected, used, and shared, please refer to the Bank’s Privacy Notice and The CashRepublic Financial Privacy Policy, each of which is provided at account opening and available with the App or on our website.