In this AutoPay Recurring Electronic Payment Authorization ("Authorization"), the words "we," "us," “you,” and "your" mean Coastal Community Bank, Member FDIC, (“Bank”), including, its successors, assigns, agents and service provider, Dave Operating LLC (Dave”). The words "I" and "my" mean the member signing it. The words "Credit Agreement" mean the FlexCard closed-end credit agreement I am entering into, or have entered into, with you.

AUTHORIZATION FOR ACCOUNT PAYMENTS AND FEES. I authorize you to initiate recurring electronic debits from the account(s) I connect through Plaid, any other designated checking or savings account or access device as shown in the “Linked bank and cards” setting of the Dave Mobile App, and my Dave Checking account (collectively “Accounts”) for the minimum installment payment due or the full balance, based on my selection at enrollment, which may vary up to the maximum amount shown on your estimated Amount of Payments, up to $500 for each installment, on or after the dates set forth in the Truth in Lending Disclosure of my Loan Agreement (or in accordance with any alternative payment schedule to which you and I agree), in biweekly payments until I revoke it. You authorize us to add any past-due installment amounts to your next scheduled recurring payment.I authorize such debits to begin on the first due date on or after the effective date of this Authorization and from Accounts I may add in the future as permitted Accounts. 

AUTHORIZATION TO CORRECT ERRORS AND MODIFY/COMBINE PAYMENTS. In the event that you make an error in processing an electronic debit, I authorize you to correct the error by initiating an electronic credit or debit to the Accounts in the amount of such error on or after the date such error occurs.  I authorize you to verify the payment and Account information that I provided.  If I make a typographical or similar error in providing you with such information, I authorize you to correct the error.  Instead of or in addition to any electronic debits described above, I authorize you to initiate electronic debits to my Accounts for any amount and on any date that I subsequently direct by phone, email or other method we make available. I authorize you to combine multiple electronic debits that you may be initiating on the same day to my Accounts into a single electronic debit.

REINITIATING A REJECTED DEBIT. Unless otherwise limited by law, if the electronic debit is rejected, I authorize you to collect partial payments and/or to re-initiate it up to two additional times or any greater number of times permitted by network rules. I understand that my financial institution may impose fees in connection with rejected debits, and I agree that you do not have any liability for such fees.   

REVOCATION AND TERMINATION.  I understand that I can revoke this Authorization at any time by writing to support@dave.com or calling Dave’s toll-free number identified in my account agreement.  Notice must be received AT LEAST THREE (3) BUSINESS DAYS PRIOR TO THE NEXT SCHEDULED PAYMENT DUE DATE to avoid the next scheduled payment from being automatically debited from my Accounts. I understand you may terminate my enrollment in recurring electronic debits at any time for any reason, including excessive returned payments.  If this Authorization is canceled for any reason, I understand that I will be responsible for making my payments by another method.  Terminating this Authorization does not affect my duty to repay amounts due under the Loan Agreement.  

MISCELLANEOUS. I promise that I am an authorized signer on the Accounts. To specify new Account information or a new payment method, I will update the “Linked bank and cards” setting of the Dave Mobile App 

IN APP AGREEMENT:

I have read and agree to the Dave FlexCard AutoPay Recurring Electronic Payment Authorization to authorize electronic payments of the recurring FlexCard amounts due as disclosed, in biweekly installments.