Regulation CC Funds Availability Disclosure

For purposes of this disclosure, the terms “you” and “your” refer to the customer and the terms “our”,

“we”, and “us” refer to IPN, LLC doing business as Paybotic (“Paybotic Financial.”) The term “account”

includes any demand deposit, negotiable order of withdrawal account, savings deposit, money market

account or other non-time deposit account.

Your Ability to Withdraw Funds

Our policy is to make funds from your electronic funds deposited to your account available to you on the

first business day after the day we receive your deposit. However, funds from direct electronic transfers

will be available on the day we receive the deposit. Once the funds are available, you can withdraw them

in cash and/or we will use them to pay checks that you have written. For determining the availability of

your deposits, every day is a business day, except Saturdays, Sundays and declared Federal holidays. If you

make a deposit before 1:30 PM ET on a business day that we are open, we will consider that day to be the

day of your deposit and funds should be made available. However, if you make a deposit after 1:30 PM ET

or on a day we are not open, we will consider that the deposit was made on the next business day we are

open.

Paybotic Financial only permits the following types of deposits:

– ACH transfers

– Direct deposit

– Mobile remote deposit checks with some exceptions

– Cash made via our cash in transit service

Paybotic Financial does not accept the following types of deposits:

– Deposits made in cash that is sent to the Bank instead of through a cash in transit service for

commercial customers;

– ATM deposits; or

– Personal checks, cashier’s checks, money orders, foreign currency

Paybotic Financial generally allows same-day availability for electronic direct deposits. Cash received via

cash in transit services for commercial customers are available on the date of receipt at the bank. Deposits

made through mobile remote deposit checks are made available in 5 business days or less. ACH transfers

from linked external accounts may take up to five business days from the date the transfer was initiated.

Case by Case Delay

In some cases, we may not make all funds that you deposit by check available to you on the first business

day after the day of your deposit. Depending on the type of check negotiated for your deposit, funds may

not be available until the second business day after the day of your deposit. The first $225 of your deposit,

however, may be available on the first business day after the day of your deposit. If we are not going to

make all funds from your deposit available on the first business day, we will notify you at the time you

make your deposit. We will also tell you when the funds will be available. Since your deposit is not made

directly to one of our employees, we will mail you the notice by the day after we receive your deposit; or,serve you notice to your method of contact notated on your account. If you need the funds from a deposit

right away, you should ask us when the funds will be available at the time of deposit.

Safeguard Exceptions

We may delay your ability to withdraw funds deposited by check into your account an additional number

of days for the following reasons:

● You deposit checks totaling more than $5,525.00 on any one day.

● You redeposit a check that has been returned unpaid.

● You have overdrawn your account repeatedly in the last six months.

● We believe a check you deposit will not be paid.

● There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you

when the funds will be available. They will generally be available no later than the seventh business days

after the day deposit.

Special Rules for New Accounts

If you are a new customer, the following special rules may apply during the first thirty (30) days your

account is open.

Funds from electronic direct deposits to your account and checks drawn on us will be available on the day

we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day’s total

deposits of U.S. Treasury checks, U.S. Postal Service money orders, cashier’s, certified, travelers, and

federal, state and local government checks will be available by the first business day after the day of deposit

if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may

have to use a special deposit slip.) The excess over $5,525.00 will be available by the ninth (9th) business

day after the day of your deposit. The first $5,525.00 will not be available until the first business day after

the day of deposit.