Minimum Balance to Obtain Annual Percentage Yield (APY) - There is no minimum balance required to obtain the disclosed APY. THE TERMS OF ARBITRATION AND THE WAIVER APPEAR IN SECTION VII(L) OF THIS AGREEMENT. IMPORTANT NOTE: THIS AGREEMENT IS SUBJECT TO BINDING ARBITRATION AND A WAIVER OF CLASS ACTION AND YOUR RIGHT TO A JURY. They should not be construed as affecting the meaning of the Agreement.īy opening or continuing to hold a Spending Account with us, you agree to be bound by this Agreement as well as any other agreement or document we may provide to you from time to time in connection with the Dave Spending Account. Section headings that appear in this Agreement are for convenience purposes only and are intended to help you find information. If there is a conflict between this Agreement and any other document or statement made to you concerning any services or products other than the Spending Account or Dave Card, the separate terms and conditions applicable to that service or product will govern. If there is a conflict between this Agreement and any other document or statement made to you concerning the Dave Spending Account or Dave Card, this Agreement will govern. When you see the words “you” or “your,” it refers to you, the owner of the Dave Spending Account, as well as your personal representatives, executors, administrators, and successors. When you see the words “we,” “us,” or “our” in this Agreement, it refers to Evolve, as well as any of its affiliates, successors, assignees, agents or service providers. This Agreement contains the general terms, conditions and disclosures related to the interest bearing demand deposit account (“Dave Spending Account” or “Spending Account”) and Dave Debit Mastercard® (“Dave Card” or “Dave Debit Card”) made available to eligible consumers by Evolve Bank & Trust (“Evolve” or “Bank”), member of the Federal Deposit Insurance Corporation (“FDIC”), and serviced by Dave Operating LLC, a service provider to Evolve (“Dave”). Please read this Dave Deposit Account Agreement (the “Agreement”) carefully and retain it for your future reference.

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