DriveFree™ Program Addendum

Auto Loan Payment Coverage™
ReCapture Financial, Inc.
Powered by MiddleBanking™ 1.0

Effective Date: May 4, 2026

This DriveFree™ Program Addendum (“Addendum”) is entered into between the participating household (“Client,” “you,” or “your”) and ReCapture Financial, Inc. (“ReCapture Financial,” “ReCapture™,” “Company,” “we,” “our,” or “us”).

This Addendum establishes the terms applicable to DriveFree™, Auto Loan Payment Coverage™, and the use of an Expense Reimbursement Account (“ERA”) for participating auto loan payments.

This Addendum supplements and incorporates by reference applicable ReCapture Financial agreements and policies, including:

• Expense Reimbursement Account and MiddleBanking™ agreements,
• ACH/eCheck Authorization Agreement,
• Refund Policy,
• Privacy Policy,
• SMS Terms,
• and other applicable account documents.

Participation in DriveFree™ constitutes acceptance of this Addendum.

DriveFree™ Overview

DriveFree™ is an automotive benefit program available through an active Expense Reimbursement Account with ReCapture Financial.

DriveFree™ provides approved households with access to Auto Loan Payment Coverage™.

Under the program, the Client keeps the existing vehicle, lender, auto loan, interest rate, remaining term, and original payoff date. Subject to the Client’s approved DriveFree™ structure and current program terms, ReCapture Financial pays the approved auto loan amount, up to $1,000 per month, while the Client maintains an active ERA and remains active and current in MiddleBanking™.

Expense Reimbursement Account

An Expense Reimbursement Account is a ReCapture Financial account used to organize, manage, and administer participating household expenses through MiddleBanking™ 1.0.

Auto Loan Payment Coverage™ is available as a benefit of the Client’s approved and active ERA relationship with ReCapture Financial.

Auto Loan Payment Coverage™ is not purchased separately from the ERA.

Starting Requirements

Current DriveFree™ starting requirements include:

• between $4,000 and $20,000 in total monthly household and personal expenses,
• head of household participation,
• head of household age 25 or older,
• current full-time employment, active-duty military status, retired military status, or retirement with steady income,
• an active checking account,
• an active auto loan,
• completion of Financial Justification,
• approval of the applicable MiddleBanking™ plan,
• and an active Expense Reimbursement Account.

Meeting the starting requirements does not by itself constitute final approval for DriveFree™ or Auto Loan Payment Coverage™.

Financial Justification

DriveFree™ requires Financial Justification through ReCapture Financial.

Financial Justification may include review of:

• household income,
• income frequency and pay dates,
• monthly household and personal expenses,
• recurring financial obligations,
• the contracted auto loan payment,
• weekly spending requirements,
• available household cash flow,
• and the household’s ability to consistently follow an approved MiddleBanking™ plan.

ReCapture Financial retains sole authority over Financial Justification and DriveFree™ approval.

MiddleBanking™ Plan

Following Financial Justification, ReCapture Financial may establish an approved weekly MiddleBanking™ funding plan for the Client.

The plan organizes participating household expenses and applicable spending requirements into one structured weekly funding amount.

The Client agrees to consistently fund and follow the approved MiddleBanking™ plan as a condition of continued active and current status.

Auto Loan Payment Coverage™

An approved DriveFree™ household may receive up to $1,000 per month toward the approved auto loan amount.

If the approved contracted auto loan payment is less than $1,000 per month, Auto Loan Payment Coverage™ is limited to the applicable approved amount.

If the contracted auto loan payment exceeds $1,000 per month, ReCapture Financial’s approved coverage may be limited to $1,000 per month, and any remaining amount continues to be the Client’s responsibility.

Coverage remains subject to the Client’s active ERA status, approved MiddleBanking™ plan, applicable coverage claim, active and current status, and current DriveFree™ program terms.

Auto Loan Payment Coverage™ Claims

The Client must file the applicable Auto Loan Payment Coverage™ claim through ReCapture Financial before payment coverage is processed.

A coverage claim may require confirmation of:

• the participating vehicle,
• current lender,
• current contracted payment amount,
• payment due date,
• remaining loan status,
• current ERA status,
• current MiddleBanking™ status,
• and other information reasonably required to verify the requested payment.

ReCapture Financial may request supporting documentation where reasonably necessary to verify a coverage claim.

ReCapture Financial retains sole authority to:

• review coverage claims,
• approve claims,
• partially approve claims where applicable,
• deny claims,
• request additional information,
• determine the approved payment amount,
• and process approved Auto Loan Payment Coverage™ payments.

Existing Auto Loan Remains in Place

DriveFree™ does not replace or modify the Client’s existing auto loan.

Unless the Client independently enters into a different agreement with the lender:

• the existing lender remains the lender,
• the Client remains the borrower,
• the Client keeps the vehicle,
• the existing interest rate remains in place,
• the remaining loan term remains in place,
• the original payoff date remains in place,
• and the lender retains its contractual rights.

The underlying auto loan remains the Client’s contractual obligation regardless of any payment made by ReCapture Financial.

Active and Current Status

Continued access to Auto Loan Payment Coverage™ requires the Client to remain active and current in DriveFree™, the ERA, and MiddleBanking™.

Active and current status may require:

• maintaining an active ERA,
• consistently funding the approved weekly MiddleBanking™ amount,
• following the approved household plan,
• maintaining accurate household information,
• maintaining accurate vehicle and auto loan information,
• filing applicable coverage claims,
• responding to reasonable verification requests,
• and complying with current DriveFree™ and ERA requirements.

Failure to maintain active and current status may affect Auto Loan Payment Coverage™.

Changes to the Auto Loan

The Client agrees to promptly notify ReCapture Financial of material changes involving the participating auto loan or vehicle.

This includes:

• refinancing,
• loan payoff,
• payment reduction or increase,
• payment deferment,
• loan modification,
• change of lender or servicer,
• vehicle sale,
• vehicle trade-in,
• vehicle loss,
• repossession,
• or other material changes affecting the participating obligation.

ReCapture Financial may review or adjust Auto Loan Payment Coverage™ following a material change to the participating loan.

Unused Funds and Refund Requests

If an approved household continues funding its MiddleBanking™ plan for an expense that was reduced, refinanced, suspended, paid off, deferred, or otherwise not paid as originally scheduled, the Client may submit a request for review of applicable unused funds.

Refund requests are subject to ReCapture Financial’s Refund Policy, account records, Treasury records, applicable payment history, administrative review, and current program terms.

Submission of a refund request does not guarantee approval.

Dashboard and Account Records

DriveFree™ Clients may receive dashboard access showing applicable:

• ERA information,
• MiddleBanking™ activity,
• household expenses,
• weekly funding activity,
• Auto Loan Payment Coverage™ information,
• coverage claim status,
• payment history,
• refund request information,
• and account status.

Dashboard information is provided for account administration and does not modify the underlying auto loan agreement.

Traditional Financing and Refinancing

DriveFree™ does not prevent a Client from independently financing or refinancing a vehicle through a lender.

Traditional financing and refinancing are separate from DriveFree™, the Client’s ERA, and ReCapture Financial’s MiddleBanking™ relationship.

Any lender independently determines:

• credit requirements,
• loan approval,
• interest rate,
• loan amount,
• payment amount,
• loan term,
• and servicing requirements.

No Lender Relationship

Unless separately and expressly established under another written agreement, ReCapture Financial is not the lender, creditor, or loan servicer for the Client’s existing vehicle loan.

The lender retains all rights and responsibilities established under the applicable vehicle finance agreement.

No Insurance / No Warranty

DriveFree™ and Auto Loan Payment Coverage™ are not represented as:

• vehicle insurance,
• credit life insurance,
• GAP insurance,
• a vehicle warranty,
• a service contract,
• loan forgiveness,
• debt cancellation,
• or a lender guarantee.

Auto Loan Payment Coverage™ is a DriveFree™ benefit available through the Client’s approved and active Expense Reimbursement Account relationship with ReCapture Financial.

No Guarantee of Continued Coverage

Opening an ERA or receiving approval for DriveFree™ does not guarantee payment of every future auto loan payment regardless of account status.

Continued Auto Loan Payment Coverage™ remains subject to:

• an active ERA,
• active and current MiddleBanking™ status,
• consistent funding of the approved household plan,
• applicable coverage claim submission and approval,
• accurate household and loan information,
• fraud-prevention requirements,
• and current DriveFree™ program terms.

Fraud Prevention

ReCapture Financial reserves the right to investigate:

• false or misleading household information,
• false vehicle information,
• false loan information,
• duplicate coverage claims,
• payment irregularities,
• coverage claim abuse,
• unauthorized account activity,
• or other suspected fraud or misuse.

DriveFree™ participation, ERA access, Auto Loan Payment Coverage™, or applicable claims may be denied, suspended, restricted, or terminated where fraud, abuse, or material misrepresentation is identified, subject to applicable law and program terms.

Suspension and Termination

ReCapture Financial may suspend, restrict, review, or terminate DriveFree™ participation or applicable benefits for:

• failure to maintain an active ERA,
• failure to consistently fund the approved MiddleBanking™ plan,
• materially inaccurate account information,
• failure to provide required verification,
• fraud or suspected fraud,
• program abuse,
• material violation of applicable agreements,
• or other operational or compliance reasons permitted under applicable terms and law.

No Guarantee of Financial Outcomes

DriveFree™ does not guarantee:

• credit-score improvement,
• lender approval,
• future vehicle value,
• trade-in value,
• vehicle appreciation,
• refinancing approval,
• or other financial outcomes unrelated to expressly approved Auto Loan Payment Coverage™.

Arbitration

Any dispute arising from or relating to this Addendum, DriveFree™, Auto Loan Payment Coverage™, the Client’s ERA, applicable coverage claims, or related program administration shall be resolved through binding arbitration in the State of Georgia unless otherwise required by law.

To the extent permitted by applicable law, the parties waive jury trial, class-action, and consolidated-proceeding rights.

Governing Law

This Addendum shall be governed by the laws of the State of Georgia, without regard to conflict-of-law principles, except where otherwise required by applicable law.

Modifications

ReCapture Financial may update:

• DriveFree™ procedures,
• Auto Loan Payment Coverage™ procedures,
• coverage claim procedures,
• Financial Justification procedures,
• MiddleBanking™ procedures,
• ERA requirements,
• administrative procedures,
• and this Addendum

as permitted by applicable law and applicable agreements.

Updated terms may be provided electronically. Continued participation following an effective update constitutes acceptance where permitted by applicable law.

Electronic Acceptance

This Addendum may be accepted electronically. Electronic signatures and electronic records shall have the same force and effect as originals to the extent permitted by law.

Contact Information

ReCapture Financial, Inc.
500 Northside Circle NW, Suite PP05
Atlanta, Georgia 30309 USA

Phone: 1-855-369-5050
Email: support@JoinReCapture.com
JoinReCapture.com