Customer Service Agreement

Including ACH Debit Authorization

One Payment Inc.

This Customer Service Agreement (the “Agreement”) is entered into by and between One Payment Inc., a Montana corporation registered with the U.S. Financial Crimes Enforcement Network (FinCEN) as a Money Services Business (the “Company,” “we,” “us,” or “our”), and the individual customer signing below (the “Customer,” “you,” or “your”).

By signing this Agreement, you acknowledge that you have read, understood, and agreed to all of the terms set forth herein.

1. Nature of Service — Payment Agent Relationship

You acknowledge and agree that:

(a) Payment Agent Role. The Company acts as your Payment Agent (collection and disbursement agent) for the purpose of facilitating payments on your behalf to designated Japanese service providers (each, a “Payee”), including but not limited to property owners, property management companies, utility companies, and telecommunications providers.

(b) Underlying Obligation. Your underlying payment obligation is owed directly to the Payee. You do not owe a payment obligation to the Company except for the monthly service fees described in Section 5 and the foreign exchange service margin described in Section 10.

(c) Pass-Through Funds. Funds debited under this Agreement are held by the Company in transit solely for the purpose of remittance to the designated Payee through the Company’s partner financial institutions. The Company does not hold customer funds for its own benefit, investment, or use.

(d) Not Money Transmission. The Company does not provide money transmission services as defined under applicable U.S. federal or state laws. The Service operates within the safe harbor for payment processors acting on behalf of merchants and service providers.

(e) Not Discretionary Transfers. The Service does not permit discretionary transfers, peer-to-peer (P2P) transfers, investment-related transfers, commercial trade settlements, or any similar money transmission activities. All payments processed under this Agreement must be based on verified invoices or contractual obligations issued by the Payee.

2. Eligibility

You represent and warrant that you meet all of the following eligibility criteria:

(f) You are a U.S. military service member, military dependent, civilian employee covered under the Status of Forces Agreement (“SOFA”), or other SOFA-status individual;

(g) You are physically residing in Japan at the time of enrollment and throughout your use of the Service;

(h) You are not a resident of any U.S. state or U.S. territory;

(i) You are at least 18 years of age;

(j) You are the authorized signatory (or joint owner) of the U.S. bank account from which debits will be initiated under this Agreement;

(k) You possess a valid Common Access Card (CAC), military identification, or other valid identification confirming your SOFA status.

The Service is exclusively available to individuals meeting the above eligibility criteria. You agree to notify the Company promptly if any of the above representations cease to be accurate.

3. Scope of Services

The Company provides bill payment facilitation services that include:

Initiating ACH debits from your designated U.S. bank account in accordance with Section 6;
Coordinating with the Company’s partner financial institution (the “Settlement Bank”) to convert USD to JPY and remit funds to designated Payees in Japan;
Receiving invoices and billing statements from Payees on your behalf;
Providing advance notice of scheduled debits and amounts;
Providing customer support through the Company’s bilingual team based in Okinawa, Japan.

4. Authorized Payments

Authorized payments under this Agreement may include, but are not limited to:

Rent, security deposits, key money, renewal fees, move-out settlement charges, and other housing-related expenses;
Utilities (electricity, water, gas, etc.);
Internet and telecommunications services;
Management fees, common area fees, parking fees;
Insurance premiums, registration fees, and other expenses incidental to housing or daily living;
Other essential living-related expenses individually agreed upon between the Company and you.

Each debit amount shall be determined based on invoices, contractual terms, notices, or equivalent documentation issued by the Payee. The Company does not independently determine the amount of any underlying obligation owed to a Payee.

5. Service Fees

In consideration of the services provided under this Agreement, you agree to pay the Company a monthly service fee (the “Service Fee”) as set forth in the Company’s then-current pricing schedule. The Service Fee is separate from, and in addition to, the underlying payment amounts owed to your Payees. The Service Fee will be debited from your designated U.S. bank account on the same schedule as your authorized bill payments.

6. ACH Debit Authorization

You hereby authorize the Company to initiate ACH (Automated Clearing House) debits from your designated U.S. bank account for:

(l) Recurring debits with variable amounts and/or variable debit dates, based on invoices received from Payees;

(m) One-time debits executed upon invoice issuance;

(n) Monthly Service Fees as described in Section 5.

This authorization is limited to invoice-based or contract-based payments to designated Payees and does not permit discretionary third-party transfers initiated by you.

7. Special Provisions Regarding Rent

Rent amounts shall be determined based on invoices or statements issued by the property owner or property management company and may vary from month to month. You acknowledge and agree to such variability. The Company processes payments based on billing information provided by the Payee and is not the party responsible for calculating rent amounts. The Company does not guarantee the accuracy or reasonableness of rent amounts determined by third-party Payees.

Rent debits may, unless otherwise agreed:

Be split into two installments aligned with payroll dates; or
Be debited in full for the initial rent payment of new customers.

8. Other Essential Living Expenses

Utilities, telecommunications services, insurance premiums, and other essential living-related expenses shall be determined based on invoices or notices issued by the relevant service providers and may vary monthly or upon issuance. The Company processes payments based on billing information provided by the Payee and is not the party responsible for calculating such charges. The Company does not guarantee the accuracy or reasonableness of amounts determined by third-party service providers.

9. Advance Notice

The Company shall provide notice of the scheduled debit date and debit amount within a reasonable period after billing information has been confirmed. Due to the timing of invoice confirmation, notice may be provided shortly before the scheduled debit date (including the prior business day or the same day). You acknowledge and agree to this possibility. You are responsible for reviewing the notification promptly upon receipt.

10. Foreign Exchange Disclosure

Payments to Japanese Payees require conversion from U.S. Dollars (USD) to Japanese Yen (JPY). The Company’s partner financial institution (the “Settlement Bank”) performs the actual currency conversion as part of the international wire transfer process. The Company does not operate as an independent foreign exchange dealer and does not provide currency exchange as a standalone service.

The applied exchange rate provided to you (the “Applied Rate”) will include:

(o) the Settlement Bank’s wholesale exchange rate based on prevailing market rates at the time of execution; and

(p) a foreign exchange service margin retained by the Company as part of the consideration for its bill payment services.

The Applied Rate may vary based on market conditions, timing of execution, transaction size, and other factors. The Company does not guarantee any specific Applied Rate in advance.

Any exchange rate or converted amount provided to you in advance of execution is indicative only. The final Applied Rate shall be determined at the time the payment is executed. Due to market fluctuations and processing timing, the final converted amount may differ from any previously indicated amount, and you acknowledge and agree to such differences.

The foreign exchange service margin described above is part of the consideration for the Company’s bill payment services (including currency conversion arrangement and international remittance facilitation), and is separate from the monthly Service Fees described in Section 5. By signing this Agreement, you acknowledge and agree to the Applied Rate structure as described herein.

Such foreign exchange conversion arrangement is incidental to bill payment processing and does not constitute an independent foreign exchange or money transmission service offered by the Company.

11. Bank Account Verification (Plaid)

The Company uses Plaid Inc. (“Plaid”), a third-party financial technology service provider, to securely link and verify your U.S. bank account information through tokenized authentication. You authorize the Company to use Plaid to verify your account details and execute ACH debits under this Agreement.

You acknowledge that the Company does not collect, store, or retain your bank login credentials (user ID, password). All bank account authentication is performed through Plaid’s secure tokenized system. You acknowledge that Plaid’s collection and use of your information is governed by Plaid’s own privacy policy, available at https://plaid.com/legal/.

12. Monitoring and Good Faith Review

If unusually large amounts, irregular fluctuations, or apparent billing anomalies are detected, the Company may, at its discretion and in good faith, contact the Payee for clarification. Such review is supplementary in nature and does not constitute a guarantee of accuracy or reasonableness of the charges.

13. Post-Debit Adjustment and Refund

If overpayment or underpayment occurs due to billing corrections, foreign exchange settlement differences, duplicate charges, or subsequent verification, the Company may reasonably adjust the amount through:

ACH credit (refund); or
Offset against a subsequent debit.

You acknowledge and agree that such post-debit adjustments may occur.

14. Disputes

If you have any dispute regarding a debit or billing amount, you shall notify the Company as promptly as possible. Pursuant to NACHA Rules, a claim of unauthorized debit may be submitted to your financial institution within sixty (60) days of the debit date.

15. Privacy and Data Protection

The Company’s collection, use, retention, and disclosure of your personal information in connection with this Agreement is governed by the Company’s Privacy Policy, available at https://onepayment-inc.com/privacy. The Company complies with applicable U.S. laws (including the Bank Secrecy Act, FinCEN regulations, and OFAC sanctions programs), NACHA Operating Rules, and Japan’s Act on the Protection of Personal Information (APPI).

16. Term and Termination

This Agreement shall remain in effect until terminated by either party. You may terminate this Agreement and revoke the ACH debit authorization granted herein by providing written or electronic notice to the Company. Revocation must be provided within a reasonable period prior to the next scheduled debit date.

The Company may terminate this Agreement at any time, with or without cause, by providing reasonable notice to you. The Company may also suspend or terminate the Service immediately if (a) you no longer meet the eligibility criteria in Section 2, (b) you breach any provision of this Agreement, or (c) continued provision of the Service would violate applicable law or the Company’s compliance policies.

17. Compliance with Laws

The Company conducts its services in compliance with applicable U.S. federal laws and regulations, including the Bank Secrecy Act (BSA), FinCEN regulations, OFAC sanctions programs, NACHA Operating Rules, and applicable Japanese laws and regulations. ACH transactions executed under this Agreement are subject to the operating rules of the National Automated Clearing House Association (NACHA).

18. Limitation of Liability

To the maximum extent permitted by applicable law, the Company’s aggregate liability arising out of or relating to this Agreement shall not exceed the total Service Fees paid by you to the Company during the twelve (12) months immediately preceding the event giving rise to the claim. The Company shall not be liable for any indirect, incidental, consequential, special, or punitive damages.

19. Governing Law and Disputes

This Agreement is governed by the laws of the State of Montana, United States, without regard to conflict of laws principles. Any disputes arising under this Agreement shall be subject to the exclusive jurisdiction of the state and federal courts located in Montana.

20. Electronic Authorization and Signature

This Agreement may be executed electronically, including via electronic signature, online submission, or checkbox acknowledgment, and shall have the same legal effect as a handwritten signature.

21. Entire Agreement; Amendments

This Agreement, together with the Company’s Privacy Policy and any other policies referenced herein, constitutes the entire agreement between you and the Company with respect to the subject matter hereof and supersedes all prior agreements, representations, and understandings. The Company may amend this Agreement from time to time by posting an updated version on its website and/or providing notice to you. Your continued use of the Service after the effective date of any amendment constitutes your acceptance of the amended Agreement.

Customer Acknowledgment and Signature

By signing below, I acknowledge that I have read, understood, and agreed to all of the terms and conditions of this Customer Service Agreement, including the ACH Debit Authorization contained herein.