This Agreement contains the general terms, conditions and disclosures related to the interest bearing demand deposit account (“Dave Spending Account” or “Spending Account”) and Dave Debit Mastercard® (“Dave Card” or “Dave Debit Card”) made available to eligible consumers by Evolve Bank & Trust (“Evolve” or “Bank”), member of the Federal Deposit Insurance Corporation (“FDIC”), and serviced by Dave Operating LLC, a service provider to Evolve (“Dave”). Please read this Dave Deposit Account Agreement (the “Agreement”) carefully and retain it for your future reference.