Amply Match Program Agreement

This Program Agreement ("Agreement") governs participation in the Amply Match savings matching program (the "Program") operated by Amply Match, Inc. ("Amply Match," "we," "us," or "our"). It is part of, and incorporates, the Amply Match Terms of Service, including its arbitration agreement and class action waiver. If this Agreement conflicts with the Terms of Service with respect to the Program, this Agreement controls. By participating in the Program as a Sponsor or a Saver, you agree to this Agreement.

1. How the Program Works

A Saver opens an account and sets one or more savings Goals. A Sponsor — typically a parent, grandparent, or other supporter — links to the Saver and agrees to match the Saver's contributions at a rate and up to a monthly cap chosen by the Sponsor, similar to an employer 401(k) match. The Program is in a pre-launch phase: funding and matching features may not yet be available, and this Agreement describes how the Program is intended to operate at launch.

2. Definitions

• "Saver Contribution" means funds a Saver deposits into their own account.
• "Match Contribution" means funds a Sponsor contributes to a Saver's account under the Sponsor's match settings.
• "Qualified Goal" means any of the following life goals supported by the Program: (a) buying a home; (b) education; (c) getting married; (d) having a child; or (e) starting a business. We may add Qualified Goals from time to time; we will not remove a Qualified Goal with respect to Match Contributions already made.
• "Vesting Date" means, for each Match Contribution, the tenth (10th) anniversary of the date that Match Contribution was made.

3. The Match Offer

The Sponsor chooses the match rate (a percentage of Saver Contributions) and a monthly maximum. The Sponsor may change or discontinue matching at any time, effective prospectively — changes never affect Match Contributions already made. Amply Match facilitates the match; the funds come from the Sponsor.

4. Saver Contributions Belong to the Saver

Saver Contributions, and any account balance attributable to them, are the Saver's property at all times. The Saver may withdraw Saver Contributions at any time, for any reason, without the Sponsor's permission and without penalty from Amply Match. Withdrawing Saver Contributions may affect future matching (there is nothing to match), but it does not forfeit Match Contributions already received.

5. Match Contributions Are Gifts to the Saver

Each Match Contribution is a completed, unconditional gift from the Sponsor to the Saver at the time it is made. Once made, a Match Contribution:

• belongs to the Saver;
• cannot be revoked, reclaimed, or clawed back by the Sponsor; and
• is not conditioned on any repayment, service, or other obligation owed by the Saver to the Sponsor.

The only limitations on a Match Contribution are the use restriction and vesting schedule in Section 6 and the account-closure rules in Section 9, which the Saver accepts as a condition of participating in the Program.

6. Use of Match Contributions; Vesting

Before the Vesting Date, Match Contributions (and earnings attributable to them, if any) may be withdrawn only for a Qualified Goal. Amply Match may require reasonable documentation that a withdrawal of Match Contributions is for a Qualified Goal (for example, a home purchase agreement, tuition invoice, marriage license or wedding-vendor contract, birth or adoption documentation, or business formation or expense records) and may use automated tools to review it. Withdrawal of Match Contributions for any purpose other than a Qualified Goal is not permitted before the Vesting Date, except as provided in Section 8 (Sponsor account closure).

On and after the Vesting Date, the applicable Match Contribution is fully vested and the Saver may withdraw and use it for any purpose, without documentation and without the Sponsor's agreement.

7. Fees

The Sponsor pays the subscription fee for their selected plan (Single Match or Family Match), as described in the Terms of Service. A Saver pays no subscription fee while linked to a subscribing Sponsor. A Saver who keeps their account open after their Sponsor's account closes pays a $5.99 monthly fee directly (see Section 8). No fees are deducted from Match Contributions or Saver Contributions; subscription fees are billed separately.

8. If the Sponsor Closes Their Account

If a Sponsor closes their Amply Match account (or their subscription otherwise ends):

1. Future matching stops. Match Contributions already made remain the Saver's property.
2. Option A — Keep the account. The Saver may keep their account open by paying the $5.99 monthly subscription fee directly. Match Contributions remain subject to the Qualified Goal restriction and vesting schedule in Section 6.
3. Option B — Close the account. The Saver may instead close their account and receive their full balance — Saver Contributions and all Match Contributions — which the Saver may then use for any purpose, regardless of the Qualified Goal restriction or Vesting Date.

We will notify the Saver of these options when a Sponsor's account closes and give the Saver a reasonable period to choose before any fee is charged.

9. If the Saver Closes Their Account

A Saver may withdraw their Saver Contributions, and any vested Match Contributions, at any time (see Sections 4 and 6). However, while the Saver's linked Sponsor's account remains open, an account holding unvested Match Contributions cannot be closed. The unvested Match Contributions remain in the account — still the Saver's property, subject to the Qualified Goal restriction and vesting schedule in Section 6 — until they are used for a Qualified Goal, fully vest, or the Sponsor's account closes (in which case Section 8 applies, including the option to close the account and receive the full balance for any purpose). A Saver whose account holds no unvested Match Contributions may close their account at any time and receive their full remaining balance.

10. Gift Tax Information

Match Contributions are intended to be treated as gifts from the Sponsor to the Saver for U.S. federal tax purposes. The Service provides tools to help Sponsors track annual gift amounts, including notices when a Sponsor approaches IRS annual gift reporting thresholds. These tools are informational only. Amply Match does not provide tax advice, and each Sponsor and Saver is responsible for their own tax reporting and obligations. Consult a tax professional about your situation.

11. Errors, Reversals, and Fraud

Notwithstanding anything else in this Agreement, Amply Match may reverse or correct transactions that are duplicative, erroneous, unauthorized, or fraudulent — for example, a Match Contribution debited from a Sponsor's bank account that is later returned or disputed by the Sponsor's bank. This right exists to correct errors and prevent fraud; it is not a right for a Sponsor to revoke a valid gift.

12. No Advice; Relationship of the Parties

Amply Match is a technology platform and is not a party to the personal arrangement between a Sponsor and a Saver. Amply Match does not provide investment, financial, legal, or tax advice, and nothing in the Program is a recommendation about how much to save or how to use your money. Sponsors and Savers are responsible for their own decisions and for communicating with each other about Goals.

13. Changes to This Agreement

We may update this Agreement from time to time. If we make material changes, we will notify Sponsors and Savers by email or through the Service before the changes take effect. Changes will not retroactively alter the ownership, use restrictions, or vesting of Match Contributions already made.

14. Disputes

Disputes arising out of or relating to this Agreement are governed by the dispute resolution provisions of the Terms of Service, including binding individual arbitration and the class action waiver, and by Delaware law.

15. Contact Us

Amply Match, Inc.
Minneapolis, Minnesota
support@amplymatch.com