(Effective July 20, 2026; this "Addendum") supplements the Truss Terms of Service and Business Deposit Agreement (collectively, the "Master Terms") entered into between MazumaGo Inc. dba Truss ("Truss," "we," "us," or "our") and the business customer ("Customer," "you," or "your").

This Addendum governs your use of Truss's optional early payment availability services: Instant Withdrawals, Balance Protection, and Express Payments (collectively, the "Services"). By using any Service, you agree to the terms of this Addendum.

1. Services Covered

†Timelines are estimates and not guaranteed. Actual timing may vary due to payment network processing, partner bank operations, and other factors.

2. Key Definitions

• "Available Balance": The total amount of funds in your Truss account, calculated as the sum of your Settled Balance and your Unsettled Balance, that Truss makes available for use, including for the Services described herein.
• "Conditional Credit": A temporary credit extended by Truss to your account for the specific purpose of covering an eligible third-party ACH debit under the Balance Protection service, based on your Unsettled Balance.
• "Conditional Advance": The amount Truss advances on your behalf, drawn from your Unsettled Balance, to enable an eligible outbound payment to send on the same banking day under the Express Payments service, made in anticipation of the final settlement of the underlying inbound payments contributing to your Unsettled Balance.
• "Conditional Disbursement": The portion of an Instant Withdrawal that is funded from your Unsettled Balance.
• "Cutoff Time": 2:24 PM ET on a banking day. Express Payments confirmed after the Cutoff Time, or on a day that is not a banking day, are processed to send on the next banking day.
• "Express Payment": An outbound payment you elect to send on the same banking day using the Express Payments service.
• "Settled Balance": The portion of your Truss account balance that consists of funds that have fully cleared all applicable payment networks and are finally collected and available for withdrawal without contingency.
• "Unsettled Amount": The portion of an Express Payment that is funded from your Unsettled Balance at the time you confirm the payment, and on which the Truss Fee for an Express Payment is calculated.
• "Unsettled Balance": The portion of your Truss account balance that represents the dollar value of inbound payments (e.g., ACH credits and card payments) for which Truss or its partner financial institution(s) has received notification of impending settlement, but which have not yet become Settled Balance.

3. Eligibility and Limits

• Eligibility: The Services are available to U.S. business Customers with a Truss account in good standing, as determined by Truss in its sole discretion.
• Express Payments Availability: Express Payments is offered for a given payment only when some of the funds backing that payment are still settling; where a payment can be sent from your Settled Balance alone, no Conditional Advance is required, no Truss Fee applies, and Express Payments is not offered for that payment. Express Payments is not offered while your Truss account has a negative balance; you must first bring your balance to zero or positive, as described in Section 4.
• Limits: Truss may establish and modify, at its sole discretion and without prior notice (unless required by law), per-transaction, daily, or other periodic or aggregate limits on your use of the Services. These limits may be based on factors including, but not limited to, your account history, transaction volume, risk assessment, and compliance requirements. Current limits, if any, will be displayed within your Truss dashboard or otherwise communicated to you.

4. How the Services Operate

4.1. Instant Withdrawals

Customer Instruction: You may request an Instant Withdrawal for an amount up to your current Available Balance as displayed in your Truss dashboard at the time of the request.

‍Disbursement: Upon your instruction and approval by Truss, Truss will disburse the requested amount, less the applicable Truss Fee, to your designated external debit card or bank account using expedited payment rails.

‍Nature of Disbursement:

• If the Instant Withdrawal amount is solely from your Settled Balance, the Service provides an expedited method of withdrawal.
• If the Instant Withdrawal amount includes funds from your Unsettled Balance, that portion is a Conditional Disbursement made in anticipation of the final settlement of the underlying inbound payments contributing to your Unsettled Balance.

Offset of Conditional Disbursements: When the underlying inbound payments that formed the Unsettled Balance portion of an Instant Withdrawal achieve final settlement and become Settled Balance, this automatically reconciles the Conditional Disbursement. Typically no separate repayment action or consent by you is required for this offset.

4.2. Balance Protection

Triggering Event: If you have opted-in to Balance Protection, it may be activated if an authorized third-party ACH debit is presented against your Truss account and your Settled Balance is insufficient to cover the debit, but your Available Balance (inclusive of Unsettled Balance) is sufficient. Activation is at Truss's discretion.

Conditional Credit: To prevent the ACH debit from being returned for insufficient funds ("NSF"), Truss may, at its option, provide a Conditional Credit to your Truss account in an amount necessary to allow the ACH debit to post successfully and to cover the related Truss Fees.

ACH Debit Posting: The third-party ACH debit will then post against the funds made available by the Conditional Credit and any available Settled Balance.

Offset of Conditional Credit: When the underlying inbound payments that formed the Unsettled Balance (which supported the decision to provide the Conditional Credit) achieve final settlement and become Settled Balance, this automatically offsets and reverses the Conditional Credit and related Truss Fees. Typically, no separate repayment action or consent by you is required for this offset.

4.3. Express Payments

Standard vs. Express: When you send a payment for which some of the backing funds are still settling, Truss will present two options before you confirm: (i) Standard, under which your payment sends automatically, at no charge, once your funds settle, with the expected send date displayed; and (ii) Express, under which your payment sends on the same banking day for the Truss Fee described in Section 5. The exact send date for Standard and the exact Truss Fee for Express are displayed to you before you confirm.

Conditional Advance and Same-Day Send: If you confirm an Express Payment before the Cutoff Time, Truss will provide a Conditional Advance equal to the Unsettled Amount so that the full payment can be sent on the same banking day. The portion of the payment drawn from your Settled Balance is sent from your own funds; only the Unsettled Amount is advanced. Express Payments confirmed after the Cutoff Time are processed to send on the next banking day.

Offset of Conditional Advance: When the underlying inbound payments that formed the Unsettled Amount achieve final settlement and become Settled Balance, this automatically reconciles the Conditional Advance. Typically no separate repayment action or consent by you is required for this offset. Because the Truss Fee is calculated on the Unsettled Amount at the time you confirm, the fee decreases as more of your funds settle before you send, and no fee applies to a payment that can be sent from Settled Balance alone.

Negative Balances and Restoring Paused Payments: If your Truss account balance becomes negative (for example, following a card repayment), outgoing payments are paused until your balance returns to zero or positive, and Express Payments is not offered during that time. Once you bring your balance back to positive, Truss may offer you a single option to restore the original send dates of the paused payments, sending them together as though they had not been paused. If offered, this restore option carries one Truss Fee for the entire set of paused payments, sized to the shortfall created by the negative balance rather than charged separately per payment, and the exact fee is displayed to you before you confirm. This option is optional; if you do not elect it, your paused payments send on their own, at no charge, as your funds settle.

4.4. Returned or Reversed Underlying Payments (All Services)

If an inbound payment that contributed to your Unsettled Balance is later returned, reversed, or fails to settle for any reason, then, to the extent that payment supported a Conditional Disbursement (Instant Withdrawals), a Conditional Credit (Balance Protection), or a Conditional Advance (Express Payments), the amount of that Conditional Disbursement, Conditional Credit, or Conditional Advance (plus the associated Truss Fee if uncollected) will be immediately due and payable to Truss. This may result in your Truss account having a negative balance. Such situations will be handled in accordance with the "Negative Balances, Returns, and Set-Off" section of this Addendum and the relevant provisions in the Master Terms.

5. Fees

You agree to pay the Truss Fees for the Services as specified in Section 1 of this Addendum or as otherwise disclosed to you at the time of the transaction.

There are no Truss Fees for opting-in to the Services. Fees are charged on a per-use basis and are earned by Truss immediately upon the provision of the relevant Service (i.e., disbursement for Instant Withdrawals, or provision of credit for Balance Protection, or the same-day send of an Express Payment).

For Express Payments, the Truss Fee is 1.75% of the Unsettled Amount, subject to a $1.00 minimum per Express Payment, and the exact Truss Fee is displayed to you before you confirm each Express Payment. No Truss Fee applies to standard payment sending or to a payment that can be sent from your Settled Balance alone.

Fees are non-refundable, even if an underlying payment that was part of an Unsettled Balance is later returned or reversed.

Truss will deduct the Fee from the amount disbursed (for Instant Withdrawals) or debit your Truss account for the Fee amount for Balance Protection or Express Payments.

6. No Loan or Extension of Credit; Business Purpose

• Not a Loan: You acknowledge and agree that the Services, including any Conditional Disbursements, Conditional Credits, or Conditional Advances, are not loans, lines of credit, or other extensions of credit from Truss to you. The Services provide expedited access to your Available Balance, which may include Unsettled Balances representing funds already in transit to your Truss account from third parties, or a temporary bridge for debits or outbound payments based on such Unsettled Balances.
• No Interest: Truss does not charge interest on any amounts related to the Services. The Truss Fees are service fees for the provision of early availability and processing.
• Business Purpose: You represent and warrant that you will use the Services solely for legitimate business purposes and not for personal, family, or household purposes.

7. Negative Balances, Returns, and Set-Off

If your Truss account develops a negative balance as a result of using the Services (e.g., due to a returned or reversed underlying payment or otherwise after a Conditional Disbursement, Conditional Credit, or Conditional Advance has been made), you are immediately liable for the full amount of the negative balance, including any unpaid Truss Fees.

The handling of negative balances, returned items, chargebacks, and Truss's rights of set-off are governed by the applicable sections of the Master Terms (such as those titled "Chargebacks and Reversed Payments," "Overdrawn Accounts," or similar). Truss reserves all rights outlined in the Master Terms to recover any amounts owed by you (plus any fees and costs associated with such recovery, including attorneys' fees), including but not limited to debiting linked external accounts, applying future inbound payments to your Truss account, or pursuing other collection efforts.

8. Service Availability; Disclaimers and Limitation of Liability

Availability: Truss provides the Services "as is" and "as available." Truss does not guarantee that the Services will always be available, uninterrupted, or error-free, or that any given Express Payment will send on the same banking day. Access to the Services may be subject to delays, failures, or interruptions due to various factors, including but not limited to payment network issues, partner bank operations, submission relative to the Cutoff Time, system maintenance, or force majeure events. Truss may suspend your access to the Services while any unpaid liabilities remain outstanding or close your account in its sole discretion.

Disclaimers and Liability: The disclaimers of warranties and limitations of liability set forth in the Master Terms apply fully to this Addendum and your use of the Services. Without limiting the foregoing, Truss's liability in connection with the Services will be limited to direct damages, capped at the lesser of (i) the amount of the specific Conditional Disbursement, Conditional Credit, or Conditional Advance at issue, or (ii) the Truss Fee you paid for the specific transaction giving rise to the liability. Truss is not liable for any indirect, consequential, special, punitive, or exemplary damages.

9. Relationship to Master Terms

This Addendum supplements and is incorporated into the Master Terms. All terms and conditions of the Master Terms not expressly modified by this Addendum remain in full force and effect.

Capitalized terms used in this Addendum but not defined herein shall have the meanings ascribed to them in the Master Terms.

In the event of a direct conflict between a provision of this Addendum and a provision of the Master Terms, the provision of this Addendum shall control solely with respect to the Services.

Provisions in the Master Terms relating to arbitration, governing law, venue, notices, suspension, termination of your Truss account, confidentiality, and other general provisions shall apply equally to this Addendum and the Services.

10. Amendments; Termination of Services

Truss may amend this Addendum from time to time by providing notice to you in accordance with the Master Terms. Your continued use of the Services after any such amendment constitutes your acceptance of the amended Addendum.

Truss reserves the right to suspend or terminate your access to one or more of the Services, or to discontinue the Services altogether, at any time in its sole discretion, with or without cause, and with or without notice, except as may be required by applicable law. Any obligations to repay amounts due to Truss arising from your use of the Services prior to termination will survive such termination.

By using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Addendum.

If you have questions about the Services or this Addendum, please contact Truss at help@trusspayments.com.

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