Authorized User Agreement

This Authorized User Agreement (these “Terms”) are a binding agreement between BlueBean Technologies, Inc. (“BlueBean”) and you that govern your access to and use of the Website (as defined below) and any Services (as defined below).

BlueBean provides no Services to you. Rather, BlueBean provides Services to the person or persons authorized under the BlueBean Platform Agreement and any additional terms related to the Services used by Accountholder (collectively, the “BlueBean Agreement”) to receive the Services (the “Accountholder”). You will have access to the Services only to the extent authorized, and for the sole benefit of, the Accountholder. You understand that Accountholder is responsible for your compliance with the BlueBean Agreement and that both you and Accountholder are responsible for your compliance with these Terms. You acknowledge that Accountholder is a beneficiary of these Terms.

As used in these Terms, “we”, “us” or “our” refers to BlueBean. Unless otherwise indicated, “you” and “your” refers to the person or persons authorized by the Accountholder to receive and use a BlueBean Virtual Card or otherwise utilize the Services (for the avoidance of doubt, including both ordinary Users, and Administrators).

These Terms require you to arbitrate any disputes arising under these Terms in an individual arbitration and not a class action or class arbitration. See the Binding Arbitration provision in Section 7 below for details. If you do not wish to be subject to arbitration, you may opt out of the arbitration provision by following the instructions set forth in Section 7 within the time frame specified in that Section.

1. Definitions

• (a) “Card” and “BlueBean Payment Card” mean a business charge card issuedby Issuer, linked to a Card Account, and enabled for Transactions over the CardNetwork associated with the Card. Cards may either be a physical cardembossed with a 16-digit number or a virtual card represented by a 16-digitnumber.
• (b) “Card Account” means a sub-account of the BlueBean Account that is linkedto a Card issued to you.
• (c) “Card Limits” means the maximum amounts available for Charges on anyCard. Your Administrator will inform you of Card Limits that apply to your Card.
• (d) “Charge” means the use of your Card to complete a Transaction.
• (e) “BlueBean Account” means the account for which the Accountholder mayrequest the issuance of Cards, and includes the records we maintain to (a)account for the value of the funds available for Charges on Cards,
• (b) establishCard Accounts, (c) provide Transaction histories (Charges, Transactions,payments), and (d) inform the Accountholder of fees and payments it owes.
• (f) “Transaction” means a request initiated by you to make a payment with a Cardfor the purchase of goods or services or to obtain a cash-advance at an ATM.

2. Your Card and Account
Your Card is issued and provided by Issuer and is linked to an individual Card Account. Your individual Card Account is linked to your Accountholder’s BlueBean Account. Your Charges are billed to that BlueBean Account. You are not directly liable to us for your Charges or other activity on your individual Card Account. Your Card may need to be activated prior to use. If applicable, the Administrator will provide activation instructions to you if applicable. If you did not receive activation instructions for your Card, contact your Administrator. We or your Administrator may apply a Card Limit to your Card Account. Charges will reduce the Card Limit, and any Charges in excess of the Card Limit may be declined.

3. Account Opening
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify, and record information that identifies you when a Card Account is opened for you. What this means for you: In connection with opening your individual Card Account, we will ask you for your name, street address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents from you.

4. Using your BlueBean Virtual Card
You may only use your Card for bona fide business purchases on behalf of the Accountholder and for valid and lawful purposes. You may not use your Card for personal, family or household purposes. Your Card remains the property of the Issuer and must be returned upon request. We may cancel, revoke, repossess or restrict the use of your Card at any time. We may decline to authorize or reverse Charges or suspend your Card for any reason including violation of these Payment Card Terms or suspected fraud. We also may decline to authorize Charges at merchants characterized by the Card Network or us as prohibited merchants. We are not responsible for losses resulting from declined or reversed Charges. Merchants typically accept all Card

Network-branded Cards; however, we are not responsible and will have no liability if a merchant refuses to honor a Card or accept a Transaction.

5.Card Account Holds
When you use your Card to initiate a Transaction at hotels, restaurants, gas stations, rental car companies, and certain other merchants where the amount of the final Transaction is unknown at the time of authorization, a hold may be placed on your Card Account for an amount equal to or in excess of the final Transaction amount. We or your Administrator also may place a hold on available funds in your Card Account for certain other Transactions. When a hold is placed on your Card Account, the amount of the hold will reduce the then-applicable Card Limits until the hold is released.

6. Card Security
You are responsible for securing your Cards, account numbers and Card security features (including the CVV and PIN as applicable).

7. Data Privacy
BlueBean will only use Personal Data as required to provide the Services, to fulfill our obligations to regulatory authorities, and in accordance with the BlueBean Privacy Policy. Issuer will use and care for Data in the manner described in the Patriot Bank Privacy Policy. Protection of Personal Data is very important to us. The BlueBean Privacy Policy and Patriot Bank Privacy Policy explain how and for what purposes we collect, use, retain, disclose, and safeguard Data provided to us in connection with the Services. You agree to review the terms of these policies, which we may update from time to time, and which form part of these Terms.