Payment Services Agreement

1. Introduction

This Payment Services Agreement (“PSA”) is entered into between you (“Investor”) and RepInvest, LLC (“RepInvest,” “we,” “our,” or “us”). This PSA governs how you fund your RepInvest investor account, how withdrawals are processed, and how your bank account is linked and used in connection with your investment.

2. Services

RepInvest provides the following services in connection with your investment account:

• Wire Deposit Processing: You initiate wire transfers from your bank to the RepInvest Morgan Stanley account. RepInvest administrators confirm receipt and credit your account accordingly.
• Withdrawal Processing: Upon approval of your withdrawal request, RepInvest sends a wire transfer from the Morgan Stanley account to your designated bank account.
• Bank Account Verification: Verification of your bank account ownership through Plaid Technologies, Inc. prior to processing withdrawals.
• Identity Verification: Verification of your identity as required by applicable law, performed through Plaid Identity Verification or, where that is not possible, through document review by RepInvest administrators.
• Commission Monitoring: With your consent, Plaid monitors transaction activity on your linked bank account to detect large incoming commission deposits and provide investment nudge notifications.

3. Wire Deposit Instructions

To make a deposit, you initiate a wire transfer from your bank to the RepInvest Morgan Stanley account using the wire instructions provided in your account dashboard. Each deposit request generates a unique reference code that must be included in the wire memo field so RepInvest can identify and credit your deposit.

• Minimum deposit: $500 USD
• Wire must include your unique reference code in the memo field
• Admin confirms receipt typically within 1–2 business days of wire arrival
• Units are issued at the next official weekly NAV (Friday after market close) following confirmation
• RepInvest does not guarantee wire processing timelines — these depend on your bank

4. Withdrawal Processing

To request a withdrawal, submit a withdrawal request through your dashboard including the amount and your bank wire details (routing number and account number). RepInvest administrators will review and approve the request, then send a wire from the Morgan Stanley account to your designated bank account.

• Minimum withdrawal: $500 USD. This minimum applies to partial withdrawals only — you may withdraw your entire remaining balance at any time regardless of its size.
• Withdrawals are subject to administrator review and approval
• Units are redeemed at the next official weekly NAV following approval
• Wire transfer typically takes 2–5 business days after admin sends it
• RepInvest reserves the right to delay or decline withdrawals in extraordinary circumstances

5. Identity Verification

Federal law requires RepInvest to verify the identity of all investors prior to processing any transactions. This requirement is established under Section 326 of the USA PATRIOT Act and FinCEN's Customer Identification Program rules.

You consent to RepInvest collecting your personal information — including name, date of birth, address, and government ID — for identity verification purposes.

Identity verification is performed through Plaid Identity Verification, which authenticates a government-issued identity document and matches it to a live image of you. Where verification cannot be completed this way, you may instead upload identity documents for review by RepInvest administrators.

Your Social Security number is collected by Plaid as part of identity verification and is required by the Customer Identification Program rules referenced above. RepInvest does not receive or store your Social Security number, and does not receive or store the identity documents you provide to Plaid. RepInvest receives only the outcome of the verification.

6. Bank Linking — Plaid

Bank account linking is provided through Plaid Technologies, Inc. By linking your bank account, you also agree to Plaid's End User Privacy Policy.

Plaid is used for three purposes: (1) verifying your identity, (2) verifying your bank account ownership for withdrawal processing, and (3) monitoring incoming transactions on your linked account to detect large commission deposits and provide investment nudge notifications. Plaid has read-only access to your bank data. RepInvest does not store your banking credentials and cannot initiate transactions on your behalf through Plaid.

7. Liability

RepInvest is not liable for delays in wire processing caused by your bank, banking system outages, or other circumstances beyond our control. You are responsible for ensuring your wire instructions are accurate and that your unique reference code is included with each deposit.

Nothing in this PSA limits or modifies the investment-related terms, risk acknowledgments, or limitations of liability set out in the Investor Agreement.

8. Termination

You may close your RepInvest account at any time by contacting support@joinrepinvest.com after withdrawing all funds. Termination does not affect pending transactions.

9. Contact

• Email: support@joinrepinvest.com
• Legal: legal@joinrepinvest.com
• Website: www.joinrepinvest.com