SOLVY Card™ — Cardholder Agreement

Effective Date: April 30, 2026

Important: This Cardholder Agreement ("Agreement") is between you ("Cardholder") and SA Nathan LLC ("SOLVY," "we," "us"). Your SOLVY Card™ is issued by Thread Bank, Member FDIC, through our partnership with Unit.co. Please read this Agreement carefully before using your card.

1. Card Issuance

Thread Bank issues the SOLVY Card™ pursuant to a license from Visa U.S.A. Inc. The card is a debit card linked to your deposit account at Thread Bank. SA Nathan LLC administers the card program and member services.

2. Card Types

We offer two card types:

Virtual Card: Digital-only card for online and in-app purchases. Available instantly upon account approval.
Physical Card: EMV chip-enabled card for in-person purchases, ATM withdrawals, and contactless payments. Shipped to your address.

3. Activating Your Card

Virtual Card: Activated automatically upon account approval
Physical Card: Activate via the SOLVY app or by calling the number on the card sticker

4. PIN

You will select a Personal Identification Number (PIN) during card activation. Do not share your PIN. You are responsible for all transactions made with your PIN.

5. Using Your Card

You may use your card for:

Purchases at merchants that accept Visa debit cards
Online and mobile app purchases
ATM cash withdrawals (fee may apply for out-of-network ATMs)
Contactless payments (tap-to-pay)
Peer-to-peer transfers to other SOLVY members

6. Transaction Limits

Default daily limits (subject to change based on account standing):

Purchases: $5,000 per day
ATM withdrawals: $1,000 per day
Peer-to-peer transfers: $2,500 per day

7. Fees

Monthly maintenance	$0.00
Card replacement (standard)	$5.00
Expedited card shipping	$15.00
In-network ATM	$0.00
Out-of-network ATM (domestic)	$2.50
International transaction	1.00%
Foreign ATM	$3.00 + 1.00%
Account closure (within 180 days)	$10.00

8. Lost or Stolen Cards

If your card is lost or stolen:

Immediately freeze your card in the SOLVY app
Call: [Support Phone Number — add when available]
Email: support@ebl.beauty

You are not liable for unauthorized transactions if you report them promptly. Your liability is limited to $0 if reported within 2 business days, and up to $50 if reported within 60 days.

9. Disputes and Chargebacks

To dispute a transaction:

Contact the merchant first to resolve
If unresolved, submit a dispute via the SOLVY app or email support@ebl.beauty within 60 days
Provide transaction details and reason for dispute
We will investigate and respond within 10 business days

10. Member Dividends

As a cooperative member, you are entitled to patronage dividends based on your card usage:

70% — Distributed to members as patronage dividends
20% — Community development pool
10% — Operations reserve

Dividends are calculated annually and distributed based on your proportional share of interchange revenue generated by your transactions.

11. Account Closure

You may close your account at any time by contacting support. Upon closure:

Any remaining balance will be returned to you via ACH transfer
Outstanding disputes will be resolved before final payment
Your physical card must be destroyed
Membership rights terminate (no future dividend eligibility)

12. Governing Law

This Agreement is governed by the laws of the State of Texas and applicable federal banking regulations.

13. Contact

For questions about your card or this Agreement:

Email: support@ebl.beauty
Business: SA Nathan LLC
Banking Partner: Thread Bank, Member FDIC
Technology Partner: Unit.co