Direct to Consumer On Demand Pay Terms of Service

Direct to Consumer On Demand Pay is a service that makes earned but unpaid income available to employees before their next scheduled regular direct deposit date using technology developed by Branch. The following terms and conditions (the “Direct ODP Terms” or the “Terms”) govern your use of Branch’s Direct to Consumer On Demand Pay Service (“Direct ODP Service”). THESE TERMS DESCRIBE YOUR RIGHTS WHEN USING THE DIRECT ODP SERVICE. PLEASE READ THE TERMS CAREFULLY BEFORE USING THE DIRECT ODP SERVICE.

THIS AGREEMENT INCORPORATES BY REFERENCE THE BINDING ARBITRATION AGREEMENT IN SECTION 15 OF THE SEPARATE BRANCH TERMS OF SERVICE, AVAILABLE AT BRANCHAPP.COM/LEGAL/TERMS (THE "ARBITRATION AGREEMENT").

UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT WITHIN 30 DAYS OF FIRST BECOMING SUBJECT TO IT, ALL DISPUTES REGARDING THESE DIRECT ODP TERMS AND/OR THE DIRECT ODP SERVICE WILL BE RESOLVED BY BINDING AND FINAL ARBITRATION PURSUANT TO THE ARBITRATION AGREEMENT. THE KEY FEATURES OF THE ARBITRATION AGREEMENT INCLUDE:

• MANDATORY BINDING ARBITRATION: WITH LIMITED EXCEPTIONS, ALL DISPUTES WILL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY NATIONAL ARBITRATION & MEDIATION ("NAM") RATHER THAN IN COURT.
• INFORMAL DISPUTE RESOLUTION FIRST: BEFORE INITIATING ARBITRATION, YOU AND BRANCH MUST FIRST ATTEMPT TO RESOLVE ANY DISPUTE THROUGH GOOD FAITH INFORMAL EFFORTS.
• JURY TRIAL WAIVER: YOU AND BRANCH WAIVE ANY RIGHT TO HAVE ANY DISPUTE HEARD BEFORE A JUDGE OR JURY IN COURT.
• CLASS ACTION AND COLLECTIVE ACTION WAIVER: ALL DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS ONLY. CLASS, REPRESENTATIVE, AND COLLECTIVE ACTIONS ARE NOT PERMITTED. PLEASE NOTE, HOWEVER, THAT THE ARBITRATION AGREEMENT DOES PROVIDE THE POTENTIAL FOR BATCH ARBITRATION.
• MILITARY LENDING ACT EXEMPTION: IF YOU ARE A "COVERED MEMBER," OR DEPENDENT OF A COVERED MEMBER, AS DEFINED BY THE MILITARY LENDING ACT, THE ARBITRATION AGREEMENT DOES NOT APPLY TO YOU.
  
  PLEASE REFER TO THE ARBITRATION AGREEMENT FOR FULL DETAILS.

IMPORTANT NOTICES ABOUT ON DEMAND PAY ADVANCES.

• IF YOUR WORKPLACE OFFERS DIRECT TO CONSUMER ON DEMAND PAY, YOU MAY USE THIS OPTIONAL SERVICE IF YOU MEET THE ELIGIBILITY REQUIREMENTS DESCRIBED HEREIN AND ESTABLISHED BY YOUR WORKPLACE AND YOUR STATE OF RESIDENCE.
• EACH ON DEMAND PAY ADVANCE (“ADVANCE”) OCCURS THROUGH BRANCH DIRECT. AT THE TIME YOU REQUEST AN ADVANCE, YOU MAY ELECT A STANDARD ADVANCE OR AN INSTANT ADVANCE.
• YOU WILL ALWAYS HAVE AN OPTION TO RECEIVE ADVANCES AT NO COST BY CHOOSING A STANDARD ADVANCE, WHICH ARE SENT USING ACH (OR ITS EQUIVALENT) AND WILL GENERALLY BE AVAILABLE IN 1-2 BUSINESS DAYS.
• IF YOU ELECT AN INSTANT ADVANCE, A FEE WILL APPLY. FEE AMOUNTS MAY VARY BASED ON YOUR EMPLOYER AND THE AMOUNT REQUESTED. THE FEE WILL BE DISCLOSED ON THE BRANCH DIRECT WEBSITE BEFORE YOU FINALIZE THE INSTANT ADVANCE. BRANCH DOES NOT CHARGE OR COLLECT ANY OTHER FEES IN CONNECTION WITH ADVANCES. BRANCH MAY SHARE FEE PROCEEDS WITH THIRD PARTIES, AS PERMITTED BY LAW.‍
• PAYMENT IS OPTIONAL. YOU HAVE NO OBLIGATION TO PAY ANY AMOUNTS IN CONNECTION WITH AN ADVANCE, INCLUDING NO OBLIGATION TO RETURN THE ADVANCE AMOUNT AND NO OBLIGATION TO PAY ANY FEE, CHARGE, OR OTHER AMOUNT. ANY AMOUNT YOU ELECT TO REPAY TO BRANCH IS ENTIRELY VOLUNTARY. SEE SECTION 10 BELOW FOR MORE DETAILS.
• IF YOU CALL OUR CUSTOMER SUPPORT LINE AT (956) 625-9896 OR SEND US WRITTEN NOTICE BY EMAIL TO SUPPORT@BRANCHAPP.COM, AT LEAST THREE (3) BUSINESS DAYS BEFORE YOUR SCHEDULED REPAYMENT DATE EXERCISING YOUR RIGHT TO CANCEL THE REPAYMENT, BRANCH WILL NOT ATTEMPT TO DEDUCT THE ADVANCE AMOUNT FROM YOUR BANK ACCOUNT. SEE SECTION 10 BELOW FOR MORE DETAILS.
• ADVANCES ARE NOT CREDIT AND ARE NOT INTENDED TO CREATE A LOAN OR DEBT OBLIGATION BETWEEN YOU AND BRANCH.
• BRANCH WARRANTS THAT BRANCH WILL NOT:
  
  • ENGAGE IN DEBT COLLECTION ACTIVITIES RELATED TO ANY ADVANCE THAT IS NOT REPAID;
  • REPORT NON-PAYMENT OF ANY ADVANCE TO A CONSUMER REPORTING AGENCY; OR
  • PLACE ANY UNPAID ADVANCES WITH, OR SELL THEM TO, A THIRD-PARTY DEBT COLLECTION AGENCY OR SERVICE.
• IF YOU ELECT NOT TO REPAY AN ADVANCE, BRANCH MAY SUSPEND YOUR ACCESS TO THE DIRECT ODP SERVICE. YOUR ACCESS TO OTHER BRANCH SERVICES WILL NOT BE IMPACTED.
• WHEN YOU REQUEST AN ADVANCE, BRANCH WILL SCHEDULE REPAYMENT ON OR CLOSE TO YOUR NEXT REGULARLY SCHEDULED DIRECT DEPOSIT DATE (OR ANY EARLIER DATE ON WHICH THOSE FUNDS ARE AVAILABLE TO YOU) AND WILL DISCLOSE THAT DATE TO YOU AT THE TIME OF THE REQUEST.

1. INTRODUCTION TO DIRECT TO CONSUMER ON DEMAND PAY. Through the Direct ODP Service, employees can access a portion of their earned but unpaid wages or other regular income before their next regularly scheduled direct deposit. Subject to your right not to repay an advance as set forth in Section 10 below, you will authorize Branch to recover advance amounts, including any applicable fees, from your bank account on a scheduled repayment date.
   
   Banking services to facilitate the Direct ODP Service are provided by Lead Bank, Member FDIC (the "Sponsor Bank"). ‍
2. ACCEPTANCE OF TERMS AND CONDITIONS‍
   ‍By using the Direct ODP Service, you agree that you have read, understood, and agree to be bound not only by these Direct ODP Terms, but also by the terms and conditions of the following documents, each of which is incorporated herein by reference, and each of which you must agree to during enrollment in Branch Direct:
   ‍
   - Branch Terms of Service Agreement (“TOS Agreement”), branchapp.com/legal/terms;
   - Branch Electronic Communication Consent (“ECC”), branchapp.com/legal/com;
   - Branch Privacy Policy (“Privacy Policy”), branchapp.com/legal/consumer-privacy-policy; and
   - Branch Direct Terms of Service (“Branch Direct Terms”), branchapp.com/legal/direct.
   
   Please read each document carefully before signing. All defined terms used but not defined herein shall have the meanings set forth in the TOS Agreement. These Direct ODP Terms supersede any previous Direct ODP Terms to which you agreed in the past. In the event of a conflict between these Direct ODP Terms and any of the above documents with respect to the Direct ODP Service, these Direct ODP Terms will control. ‍
   
   1. ‍‍Changes to These Direct ODP Terms. Branch reserves the right to update these Direct ODP Terms at any time. If we make material changes, we will notify you by posting the updated Direct ODP Terms on our website at branchapp.com/legal/terms/direct-odp and, where required by law, by email, text message, or other reasonable means. We encourage you to review these Direct ODP Terms periodically. Unless otherwise specified, all changes take effect upon posting. We will provide notice and opportunity to opt out of any changes to the Arbitration Agreement, even if not required by law. ‍
   2. Your Acceptance of Changes. Your continued use of the Direct ODP Service after the effective date of any updates constitutes your acceptance of the updated Direct ODP Terms. If you do not agree to an update, notify Branch by email at support@branchapp.com within fourteen (14) days of receiving notice of the change and we will terminate your enrollment in the Direct ODP Service. ‍
   3. Branch's Right to Terminate or Suspend. Branch may, in its sole discretion, terminate, suspend, or modify these Terms at any time, subject to applicable law. Branch will endeavor to provide reasonable notice where practicable but is not obligated to do so and shall have no liability arising from such actions.‍
3. ‍ELIGIBILITY AND ENROLLMENT
   
   1. Eligibility Requirements. To participate in the Direct ODP Service, employees must meet the following requirements:‍
      
      • Age: You must be at least eighteen years old or the age of majority in your state of residence.‍
      • Legal Status: You must be a U.S. citizen or legal U.S. resident.‍
      • Employment: You must (i) receive salary or wages from an employer that partners either with Branch (or with a company that partners with Branch) to offer the Direct ODP Service, and (ii) have earned funds from that employer during the current pay period. ‍
      • Account Type: You must maintain a Branch account and debit card (collectively, a “Branch Wallet”) or a checking, savings or other deposit account at a U.S.-based financial institution that accepts electronic deposits and from which funds can be electronically withdrawn or debited (collectively, with Branch Wallets, a “Bank Account”).‍
      • Account Activity: The Bank Account must have at least two (2) months of account activity, including at least two (2) consecutive direct deposits from the same income source in the last sixty (60) days, each of which must be at least two hundred dollars ($200.00).‍
      • Linked Card: You must have a debit card connected to your Bank Account ("Linked Card"). ‍
      • Workplace and State Requirements: If applicable, you must meet any other requirements or eligibility criteria established by your employer and your state of residence. Note: Direct to Consumer On Demand Pay may not be offered or available in all U.S. jurisdictions.‍
   2. ‍Direct to Consumer On Demand Pay Applies to Regular Income Only. The Direct ODP Service applies only to regular salary, wage or other income amounts that Branch can view through your Bank Account activity. Branch will not consider off-cycle deposits such as bonuses, expense reimbursements or similar amounts that are not part of your regular pay or income cycle in calculating the maximum amount you may be able to receive as an Advance. You cannot request retroactive Advances for past pay periods.‍
   3. Enrollment in Direct ODP Service. If you meet the eligibility requirements in Section 3A above, you then can access the Direct ODP Service either directly via web browser at direct.branchapp.com or through a compatible third-party mobile application authorized by Branch (both of which, the “Branch Direct Website”). You then must:
      
      • Enroll in Branch Direct. You first must enroll in Branch Direct using the link provided to you directly by Branch or indirectly through the same compatible third-party mobile application authorized by Branch.
      • Verify Your Identity. Provide contact and other information required to verify your identity. See Section 3D below for additional details.
      • Connect Your Bank Account Using Plaid. Once your identity is verified, you will then connect your Bank Account using Plaid, at which point you will be given the opportunity to review, and then must accept, Plaid’s terms and conditions and its privacy policy.
      • Connect Your Linked Card. Once your Bank Account is connected, you will then connect your Linked Card. ‍
   4. Anti-Money Laundering Notice. To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions and their third parties to obtain, verify, and record information that identifies each person who uses their services. What this means for you: when you complete the Verify Your Identity step of enrollment in the Direct ODP Service, we may ask for your name, address, date of birth, social security number or Individual Taxpayer Identification Number ("ITIN"), and other information that will allow us to identify you. We also may ask to see your driver's license or other documentation bearing your photo as verification of your identity.‍
   5. Changes to Your Personal Information. You agree to promptly notify Branch of changes to your address, email address and other personal information provided in connection with your enrollment in the Direct ODP Service. ‍
4. OPTIONAL SERVICE. The Direct ODP Service is optional. You are not obligated to use it. If you elect to use the Direct ODP Service to request an Advance, there is no obligation to request subsequent Advances.‍
5. DETERMINING ADVANCE LIMITS. Branch uses Plaid to securely access and review your Bank Account activity in accordance with the Plaid Privacy Policy, the Branch Privacy Policy and applicable law. We evaluate factors such as your direct deposit income, spending patterns and other account activity to establish your initial maximum daily and per-pay-period Advance limit (“Advance Limits”). Your initial Advance Limits will be displayed on the Branch Direct Website and will be subject to change over time based on the above-described factors.‍
6. ADVANCE REQUESTS AND FEES. You can use the Branch Direct Website to view your Advance Limits and to request a transfer of all or part of your available Advance Limits to your Bank Account. Each request is considered an Advance.
   
   You have two options to receive your funds.‍
   
   1. Standard Advances. Have funds sent to your Bank Account via ACH or its equivalent. Funds generally arrive in 1-2 business days. There is no fee for Standard Advances.‍
   2. Instant Advances. Elect to receive funds more quickly for a fee using the Instant Advance option. While most Instant Advances are completed within minutes, some may take thirty (30) minutes or longer due to network or other issues. The fees for Instant Advances vary based on your employer and the amount requested and will be disclosed on the Branch Direct Website.
      
      Note: Your bank may charge additional fees for ATM transactions, cash withdrawals or certain fund transfers into or out of your Bank Account.‍
7. COMPLETING AN ADVANCE REQUEST. Before confirming each Advance, the Branch Direct Website will display: (a) the Advance amount; (b) any applicable fees; (c) a link to the Direct ODP Terms; (d) a notice informing you that, by providing your signature, you are bound by the linked Direct ODP Terms and you are authorizing Branch to deduct the Repayment Amount (defined below) from your Bank Account through your Linked Card on the Scheduled Repayment Date (defined below); and (e) a place to provide your electronic signature. Once you provide your signature and confirm the request by pressing or clicking the appropriate button, your Advance request is complete. You will then receive the Advance amount per the Advance option you selected (Standard or Instant). ‍
8. ADVANCE AGREEMENT. After you complete an Advance request as described in Section 7, you can view your Advance Agreement, which will contain the Advance amount plus any applicable fees, a link to the Direct ODP Terms, your repayment authorization, your signature, and the time and date your signature was provided. Each Advance Agreement will continue to be available for your review on the Branch Direct Website. The Direct ODP Terms and the associated Advance Agreement (each as amended from time to time) will apply to each Advance.‍
9. REPAYING ADVANCES FROM YOUR BANK ACCOUNT. Subject to your right to cancel described below in Section 10, upon taking an Advance, you authorize Branch to deduct the following amounts from your Bank Account through your Linked Card: (a) the total amount of all Advances made during the pay period, plus (b) fees for Instant Advances, if any, and (c) if applicable, the balance of any prior Advances and related fees, if any, that have not previously been repaid (together, the "Repayment Amount"). The debit by Branch of the Repayment Amount from your Bank Account through your Linked Card is an "Advance Repayment." Subject to state and federal regulations, Branch will schedule the Advance Repayment to occur on or close to your next regularly scheduled direct deposit date (or any earlier date on which those funds are made available to you) (the "Scheduled Repayment Date"). At least one (1) day before the Scheduled Repayment Date, Branch will notify you in writing of the Repayment Amount.
   
   On the Scheduled Repayment Date, Branch will seek to deduct the full Repayment Amount. If the full Repayment Amount is not deducted on that date for any reason other than your timely exercise of the right to cancel under Section 10 (such as insufficient funds in your Bank Account), you authorize Branch to seek the remaining, unrecovered portion of the Repayment Amount through one or more additional deductions, all of which must occur in the first three pay periods after your Scheduled Repayment Date, and none of which will exceed the then-unrecovered portion of the Repayment Amount. EACH SUCH DEDUCTION IS PART OF THE SINGLE AUTHORIZATION YOU PROVIDED WHEN YOU COMPLETED THE ADVANCE REQUEST AS DESCRIBED IN SECTION 7 AND DOES NOT REQUIRE SEPARATE NOTICE. ‍
10. NO OBLIGATION TO PAY AND YOUR RIGHT TO CANCEL ADVANCE REPAYMENTS
    
    ‍Advance Repayments are optional and all Advances are sent at your request in accordance with these Direct ODP Terms. You have no obligation to repay an Advance or any fee, charge, or other amount to Branch in connection with an Advance. Any amount you elect to allow Branch to deduct is entirely voluntary. If you wish to exercise your right to cancel an Advance Repayment, you must notify Branch either by phone at (956) 625-9896 or by email at support@branchapp.com not less than three (3) business days prior to your Scheduled Repayment Date, and Branch will cancel the Advance Repayment. If you seek to exercise your right to cancel less than three (3) business days prior to your Scheduled Repayment Date, Branch will attempt to cancel the Advance Repayment but cannot guarantee such attempt will be successful. If you seek to exercise your right to cancel an Advance Repayment by means other than by phone or email as described above, Branch may, in its discretion, cancel the Advance Repayment.
    
    For the avoidance of doubt, Branch warrants that Branch has no legal or contractual claim or remedy against you if you elect not to repay or otherwise do not pay any amounts and Branch will not:
    
    • Engage in debt collection activities related to any Advance that is not repaid;
    • Report non-payment of any Advance to a consumer reporting agency; or
    • Place any unpaid Advances with, or sell them to, a third-party collection agency or service.‍
11. CANCELLING YOUR PARTICIPATION IN THE DIRECT ODP SERVICE. If you no longer wish to participate in the Direct ODP Service, all you have to do is stop requesting Advances. There are no cancellation or other fees charged by Branch in connection with your decision to no longer participate in the Direct ODP Service or stop requesting Advances. ‍
12. SUSPENSION OR TERMINATION OF ACCESS TO DIRECT ODP SERVICES
    
    1. Suspension For Insufficient Funds or Cancelled Advance Repayments If you: (i) successfully cancel an Advance Repayment as described in Section 10 above; or (ii) Branch is unable to recover the entire Repayment Amount due to insufficient funds in your Bank Account, Branch will suspend your access to the Direct ODP Service until all Repayment Amounts have been repaid to Branch. For the avoidance of doubt, you have no obligation to pay any amounts in connection with an Advance.‍
    2. Branch Termination Rights. Branch may suspend or terminate your access to the Direct ODP Service, cancel a requested Advance or take any other action we deem appropriate, if we reasonably believe:
       
       • You have engaged in fraudulent, suspicious, or criminal activity in connection with the Direct ODP Service;
       • You have violated these Direct ODP Terms or any other agreement you have with Branch or its Sponsor Bank;
       • You have breached any representation, warranty, or covenant in Section 16 of these Terms; or
       • Such action is necessary or advisable for legal or security reasons or to protect the Branch Direct website or the Direct ODP Service.
    3. If your account is suspended under Section 12.B, the suspension will continue while we further investigate the grounds for the suspension and, if applicable, take steps to recover any Advances we believe were improperly obtained. ‍
    4. Employer-Initiated Changes. Branch may delay, suspend, or terminate your access to the Direct ODP Service upon notification from your employer that your employment has ended or been suspended or if your employer advises Branch that it has decided to discontinue offering the Direct ODP Service.‍
13. REVERSAL OF ERRONEOUS ADVANCES. Branch reserves the right to reverse any erroneous transactions up to the amount of the error. This may occur if we inadvertently credit your Bank Account for an Advance you did not request, or that was intended for another employee, or that exceeds the amount requested.‍
14. TERMS MAY VARY. Your state of residence may require specific terms or features for Advances that differ from these Direct ODP Terms, as disclosed below in Section 19. The Direct ODP Service may not be available in all U.S. jurisdictions.‍
15. YOUR CONSENT TO DATA SHARING BETWEEN YOUR EMPLOYER AND BRANCH. Branch’s Direct ODP Service relies, in part, on your employer or other related partner (such as an application platform used by you and your employer) providing information to Branch about your employment status and identity. Branch may collect, use, and share your information with its vendors to the extent required to provide the Direct ODP Service in accordance with our Privacy Policy and those of our vendors. Branch may request additional information from you, your employer, or other related partner from time to time. By requesting an Advance, you consent to your employer or related partner sharing certain of your Personal Data (defined below) with Branch, to the extent needed to deliver the Direct ODP Service and consent to Branch sharing your Personal Data and other information about your Advances with Branch’s vendors and service providers, in each case, to the extent necessary to facilitate delivery of the Direct ODP Service.
    
    1. As used herein, “Personal Data” includes:
       
       • Your name;
       • Your employer identification number, if applicable;
       • Your contact information (including your email and your mobile phone number);
       • Amounts owed to you by your employer as wages or other earnings and, where applicable, timecard information;
       • Your gross and net regular pay;
       • Your date of birth;
       • The last four digits of your social security number or tax identification number; and
       • Any other information required to be shared to facilitate the Direct ODP Service.
    2. Branch only requests Personal Data from your employer or related partner to the extent required to provide the Direct ODP Service. In accordance with the Privacy Policy, Personal Data obtained by Branch is not shared with third parties other than Branch’s vendors and third-party service providers, as applicable, and where required, Branch's regulators. ‍
16. EMPLOYEE REPRESENTATIONS AND WARRANTIES. Each time you request an Advance, you represent and warrant to Branch that at the time of your request:
    
    • You are employed and in good standing with your workplace and have not been notified of a layoff, termination or other job action which will result in a reduction of your next paycheck;
    • Your unpaid income used to calculate your Advance has not been modified, dismissed, settled, or paid; and represents amounts owed to you by your workplace for services performed in the ordinary course of your employment, or from your other regular income sources;
    • You have not received an advance from another earned wage access provider for any part of the wages you have earned during that pay period or for other regular income you have received during that pay period.
    • Your Bank Account remains in good standing and is not subject to any judgment, lien, set-off right or other action which will interfere with Branch deducting the Repayment Amount on the Scheduled Repayment Date (if you elect to permit that Advance Repayment rather than exercising your right to cancel per Section 10);
    • You have the right to authorize Branch to deduct the Repayment Amount from your Bank Account through your Linked Card; and
    • When the Repayment Amount is deducted on the Scheduled Repayment Date, the remaining net amount will be sufficient to allow you to meet basic living expenses until your next regularly scheduled paycheck.‍
    • Advance Request Covenant. In addition, each time you request an Advance, you also agree to notify Branch immediately in the event you learn of a change to your normally scheduled pay date or a change to the amount of your pay. ‍
17. DISPUTES WITH YOUR EMPLOYER. In determining Advance Limits, Branch relies in part on information your employer provides to Branch about you. Sometimes your records and those of your employer may differ about the amount of wages or other earnings you have earned or the amounts owed to you. We do not resolve or otherwise become involved in disputes between you and your employer. It is up to you to address such discrepancies directly with your employer.‍
18. CONTACT BRANCH. If you have any questions, complaints or claims about the Direct On Demand Pay Service, you may direct them to Branch through our Help Center at support.branchapp.com, or contact us at support@branchapp.com, or at 3723 Greenville Ave STE 43694, Dallas, TX 75206.
19. STATE-SPECIFIC DISCLOSURES AND FEATURES
    
    1. CALIFORNIA CONSUMERS
       Branch is registered with the Department of Financial Protection and Innovation (the “DFPI”) under the CCFPL. Branch’s Registration Number with the DFPI is #04-CCFPL-2574503-3482187. The DFPI’s granting of a registration does not constitute a determination that a registrant’s acts, practices, or business model comply with any law or regulation. You may report complaints about us to the Correspondence Unit of the California Department of Consumer Affairs by writing at Division of Programs and Policy Review, Consumer Information Center—Correspondence Unit, 1625 N. Market Blvd., Ste N-112, Sacramento, CA 95834-1924, or by contacting them at www.dca.ca.gov or calling (800) 952-5210.‍
    2. INDIANA CONSUMERS
       ‍If you are an Indiana resident, any fee Branch charges for an instant Advance will not exceed the greater of $5 or 5% of the Advance amount. Like in all states where the Direct ODP Service is available, you always can choose standard delivery, which is a no-fee option to receive your Advance. ‍
    3. MARYLAND CONSUMERS
       If you are a Maryland resident, any fee Branch charges for an instant Advance will not exceed $5 for an Advance of $75 or less, or $7.50 for an Advance greater than $75.00. Like in all states where the Direct ODP Service is available, you always can choose standard delivery, which is a no-fee option to receive your Advance. ‍
    4. NEVADA CONSUMERS
       Please see Branch's Earned Wage Access Provider License.‍
    5. SOUTH CAROLINA CONSUMERS
       If you have any questions, complaints or claims about the Direct On Demand Pay Service, you may direct them to Branch through our Help Center at https://support.branchapp.com/hc/en-us, or contact us at support@branchapp.com, or at 3723 Greenville Ave STE 43694, Dallas, TX 75206. You may also report complaints about us to the South Carolina Department of Consumer Affairs at https://consumer.sc.gov/consumer-resources/consumer-complaints or by calling them at (800) 922-1594.
       
       As agreed to and explained in further detail in the Electronic Communication Consent, you consent to receive electronically all communications or disclosures related to the Direct On Demand Pay Service as a condition to receiving the Branch Services, including the Direct On Demand Pay Service. If you revoke your consent to receive such communications and disclosures electronically, you understand that we will immediately discontinue your access to the Direct On Demand Pay Service. ‍
    6. UTAH CONSUMERS
       If you have any questions, complaints or claims about the Direct On Demand Pay Service, you may direct them to Branch through our Help Center at https://support.branchapp.com/hc/en-us, or contact us at support@branchapp.com, or at 3723 Greenville Ave STE 43694, Dallas, TX 75206. You may also report complaints about us to the Utah Division of Consumer Protection at https://services.commerce.utah.gov/dcp-complaint/
       
       At the time you request an Advance, Branch will disclose information about the specific Advance, including:
       
       • The anticipated timeline for receiving funds;
       • The amount of funds you requested;
       • The amount of any Instant Advance Fee imposed, if you elect the Instant Advance option;
       • A clear disclosure indicating how to select a no fee option to receive the Advance, which is a Standard Advance;
       • The amount of funds you will receive;
       • The Bank Account that will receive the funds;
       • The date that Branch is authorized to withdraw funds from the Bank Account (the Scheduled Repayment Date).
         
         All users of the Direct ODP Service, including Utah residents, will be required to acknowledge receipt of the above information to obtain an Advance.‍
    7. WISCONSIN CONSUMERS
       If you are a Wisconsin resident, any fee Branch charges for an Instant Advance will not exceed $5 for an Advance of $75 or less, or $7.50 for an Advance greater than $75.00. Like in all states where the Direct ODP Service is available, you always can choose standard delivery, which is a no-fee option to receive your Advance.