Cash Account Disclosures

Effective Date: June 23, 2026

Account Provider: The Yoshi Money, LLC (“Yoshi”) Cash Account is a consumer deposit account provided by Column National Association, Member FDIC. Yoshi is a financial technology company, not a bank.

Contact: Support via Yoshi App or (888) 315-8151

Funds Availability

Business days, banking days, and cutoff times

Our business days are Monday through Friday, excluding federal holidays. A deposit received after the applicable cutoff time, or on a day that is not a business day, may be treated as received on the next business day. RTP / instant payments may be received 24/7 where enabled, but Yoshi may still apply operational, fraud, compliance, or account restrictions before funds can be used.

Acceptable deposits

You may deposit funds into your account only through deposit methods made available in the Yoshi app or otherwise approved by Yoshi and Column.

Currently accepted deposit methods, if enabled by Yoshi in the app:

• Direct deposit / ACH credit.
• ACH transfer from a linked external bank account.
• RTP / instant payment credit received from another participating financial institution.
• Incoming domestic wire transfer.
• Electronic check / mobile check deposit using the Yoshi app, subject to eligibility, check type, endorsement, image quality, limits, and hold rules.
• Internal transfer from another eligible account.

Currently not accepted unless separately enabled in the app:

• Cash deposits.
• ATM deposits.
• International wire transfers.
• Foreign checks.
• Money orders.
• Traveler's checks.
• Third-party checks.
• Checks payable to someone other than you or not properly endorsed.
• Any deposit type not shown as available in the Yoshi app.

If Yoshi enables additional deposit types later, Yoshi will provide required disclosures before or when the new deposit service becomes available.

Electronic check / mobile check deposit rules

If electronic check or mobile check deposits are enabled, you may submit an image of an eligible check through the Yoshi app. A check deposit is not complete merely because the image was submitted. Yoshi and Column may reject a deposit if the image is incomplete, illegible, duplicated, altered, suspected of fraud, not properly endorsed, exceeds limits, is not an eligible check type, or does not meet app instructions.

• You must endorse the check exactly as instructed in the app, including any required restrictive endorsement such as "For mobile deposit at Column only"
• You must not submit the same check more than once or deposit the original check elsewhere after submitting it through Yoshi.
• You should retain the original check securely for 30 days after confirmation and then destroy it in a secure manner, unless Yoshi or Column instructs otherwise.
• Funds from electronic check deposits may be delayed, even if a deposit appears in your balance, and may be reversed if the check is returned unpaid or later determined to be invalid.
• Electronic check deposits may be subject to per-check, daily, monthly, and risk-based limits.

When your funds are generally available

Funds may appear in your available balance before final settlement. If a deposit is returned, reversed, recalled, disputed, unauthorized, or otherwise not collected, we may deduct the amount from your account, restrict account access, or take other actions permitted by the account agreement and applicable law.

Longer delays and holds

In some cases, we will not make all of the 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 that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day.

If we are not going to make all of the 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.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• 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 five business days after the day of your deposit.

Exception hold notice

If we delay availability of a check or electronic check deposit using a funds-availability exception, we will provide a notice that includes your account identifier, the deposit date, the amount delayed, the reason for delay, the expected availability date, and support contact information.

Change-in-terms notice

If we change our funds-availability policy in a way that delays availability for consumer accounts, we will provide notice at least 30 days before the change takes effect. If a change makes funds available sooner, we may provide notice no later than 30 days after the change takes effect.

Truth in Savings

Interest rate and APY

How interest is calculated and credited

Fees [Beta]

The following fees may apply to your account. Fees may reduce earnings.

Transaction and deposit limits

Your account may be subject to transaction and deposit limits, including limits on deposit amount, transfer amount, card activity, withdrawals, frequency, source, destination, security holds, or other limits. Current limits may be shown in the Yoshi app or otherwise disclosed to you. For security reasons, some risk-based limits may not be disclosed.

ATM operators or networks may charge additional fees for ATM withdrawals, balance inquiries, or transfers, even if Yoshi or Column does not charge a fee.

Rate and term changes

If we change a term required to be disclosed under Regulation DD and the change may reduce the APY or adversely affect you, we will provide advance notice at least 30 calendar days before the effective date, unless an exception applies. Regulation DD does not require advance notice for certain variable-rate changes when the variable-rate feature has been properly disclosed, but Yoshi may provide notice as required by its agreement with Column, internal policies, or customer-communication standards.

Electronic Funds Transfers (EFT) Agreement

An electronic fund transfer, or EFT, includes transfers made electronically, such as ACH transfers, direct deposits, debit card transactions, ATM transactions, point-of-sale transactions, internal transfers, RTP / instant payments when enabled, transfers through the Yoshi app, and other electronic transfers to or from your account. Electronic check deposits or mobile check deposits are generally processed as check deposits, not EFTs, but Regulation E may apply if check information is used to initiate a one-time EFT or if another electronic transfer is involved.

Types of available EFT services

You may use available Yoshi services to make the following EFTs, if enabled for your account:

• direct deposits and other ACH credits;
• ACH transfers to or from a linked external bank account;
• RTP / instant payment credits received from another participating institution;
• RTP / instant payments sent from your account to another eligible account, if outgoing RTP is enabled;
• debit card purchases;
• ATM withdrawals, if enabled;
• point-of-sale transactions;
• internal transfers between eligible accounts;
• transfers initiated through the Yoshi app or website;
• recurring or preauthorized electronic transfers you authorize;
• one-time EFTs initiated using information from a check, if Yoshi or a payee offers electronic check conversion;

Not all EFT services may be available to all users. We may limit, suspend, or refuse EFT services as permitted by law, the account agreement, risk controls, or compliance requirements.

RTP / instant payments

If RTP / instant payments are enabled, you may be able to receive or send eligible real-time credit-push payments through participating financial institutions. RTP payments are generally designed to settle immediately and may be irrevocable once sent. You should carefully review the recipient, amount, memo, fee, and purpose before confirming an outgoing RTP payment.

• You may not be able to cancel, reverse, or amend an RTP payment after you confirm it.
• Yoshi or Column may reject, delay, or restrict RTP payments for fraud, sanctions, account security, legal, operational, or compliance reasons.
• If you believe an RTP payment was unauthorized or made in error, contact us immediately. Regulation E error-resolution rights may apply to covered consumer EFTs even if the payment rail itself does not allow ordinary reversal.
• RTP receive and send limits may apply and may vary by user, account status, transaction type, and risk controls.

Electronic check conversion and electronic check deposits

Electronic check deposits and electronic check conversion are different. A mobile or electronic check deposit generally involves submitting a check image for collection under check rules and the funds-availability policy above. Electronic check conversion occurs when information from a paper check is used to initiate a one-time EFT from a consumer account. If we offer electronic check conversion, we or the payee must provide required notices and obtain authorization as applicable before initiating the EFT.

Business days

Our business days are Monday through Friday, excluding federal holidays. Transfers received after a cutoff time or on a non-business day may be treated as received on the next business day. RTP / instant payments may operate 24/7 where enabled, but Yoshi may apply risk, fraud, compliance, and account controls before funds can be used or sent.

Your liability for unauthorized EFTs

Tell us immediately if you believe your Yoshi card, account credentials, device, PIN, password, or other access method has been lost, stolen, compromised, or used without your permission.

Contact us via: Support via Yoshi App or (888) 315-8151

If you tell us within two business days after you learn of the loss or theft of your card or access credentials, you can lose no more than $50 if someone used your account without permission.

If you do not tell us within two business days after you learn of the loss or theft, and we can show that we could have stopped someone from using your account without permission if you had told us, you could lose as much as $500.

Also, if your statement or transaction history shows transfers you did not make, tell us at once. If you do not tell us within 60 days after the statement was sent or made available to you, you may not get back money you lost after the 60 days if we can show that we could have stopped the loss if you had told us in time. If a good reason, such as a long trip or hospital stay, kept you from telling us, we may extend these time periods.

Documentation of transfers

You may receive documentation of EFTs in several ways: transaction confirmations in the Yoshi app; receipts for certain card, ATM, RTP, or point-of-sale transactions; transaction history in the Yoshi app or website; periodic statements or account statements; and notices of preauthorized transfers where required. You should review your transaction history and statements promptly and report suspected errors or unauthorized transfers as soon as possible.

Preauthorized and recurring transfers

If you authorize recurring electronic transfers from your account, you may stop payment by contacting us at least three business days before the scheduled transfer date. If you call, we may require written confirmation of your stop-payment request within 14 days after your call. If we require written confirmation and do not receive it in time, your oral stop-payment request may stop being binding after 14 days.

If a recurring transfer may vary in amount, we or the payee will notify you of the amount and date of the transfer at least 10 days before the scheduled transfer date, unless you have agreed to receive notice only when the amount falls outside a specified range or differs from the most recent transfer by more than an amount you specify.

Our liability for failure to make or stop certain transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would go over the credit limit on your overdraft line.
• If the automated teller machine where you are making the transfer does not have enough cash.
• If the system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

There may be other exceptions stated in our agreement with you.

Confidentiality

We may disclose information about your account or EFTs to third parties when necessary to complete, process, investigate, or correct a transfer; verify the existence or condition of your account; prevent fraud; perform identity verification, account security, compliance, servicing, processing, or operational support; comply with law, regulation, legal process, regulator, law enforcement, or government authority; act with your consent; or as otherwise described in our Privacy Policy.

Error Resolution Notice

Contact us as soon as possible if you think your statement, transaction history, receipt, or account information is wrong, or if you need more information about a transfer, including ACH, card, RTP / instant payment, or other covered EFTs.

Contact us via: Support via Yoshi App or (888) 315-8151

We must hear from you no later than 60 days after we sent or made available the first statement on which the problem or error appeared.

When you contact us, please tell us:

• your name and account number or other identifying information;
• the transaction or error you are unsure about, and why you believe it is an error or need more information;
• the dollar amount of the suspected error;
• the date of the transaction, if known;
• for RTP / instant payments or wires, the recipient or sender name, reference number, and any confirmation details, if known.

If you tell us orally, we may require you to send your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we do so, we will provisionally credit your account within 10 business days for the amount you think is in error, so you will have use of the money during the investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may not provisionally credit your account.

For errors involving new accounts, point-of-sale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

EFT change-in-terms notice

We will provide written notice at least 30 days before the effective date of any change to an EFT term or condition required to be disclosed if the change would result in increased fees for you, increased liability for you, fewer types of available EFTs, or stricter limits on the frequency or dollar amount of EFTs. We may make immediate security changes where permitted by law.