Last Updated: October 20, 2026

PLEASE READ THIS AGREEMENT CAREFULLY. The following Terms of Service are the terms of a legal agreement (this “Agreement”) between you (“you,” “your,” or “user”) and Greenlane.ai, LLC dba 8TK, its subsidiaries, affiliates, agents, and assigns (“Greenlane,” “8TK,” “Company,” “we,” “us,” or “our”), which sets forth the terms and conditions for your use of the banking-related features and functionality of the Greenlane mobile application (the “App”), as well as the banking-related products, features, tools, and services offered, operated, or made available by us through the App in connection with your Account(s) and Card(s) (collectively, the “Services” or “8TK Money Services”).

The App also includes certain fuel purchasing and related features made available through the Greenlane (8TK) fueling program (the “Fuel Services”). This Agreement only governs your use of the App and the Services described below, and does not govern the Fuel Services. The Company’s Fuel Services are governed exclusively by a separate 8TK Fuel Platform User Agreement, available at www.8tkpay.com/user-agreement (the “App User Agreement”), and are not governed by this Agreement.

The App and the Services are owned and operated by us and are provided to you expressly subject to this Agreement. By accessing, browsing, and/or using the App or the Services (collectively, “Greenlane Content”), you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and us, and this Agreement governs your use of Greenlane Content.

This Agreement contains an agreement to resolve disputes by binding individual arbitration and a waiver of your right to participate in a class action. See the section titled “Dispute Resolution; Arbitration Agreement” below for details, including how to opt out.

Greenlane Is Not a Bank

Greenlane.ai is a financial technology company. Greenlane.ai is not a bank, and does not itself hold, custody, or transmit your funds. Any deposit account, debit card, or other banking product made available to you in connection with the Services (each, an “Account”) is established and maintained by First Bank of the Lake, Member FDIC, and your Account(s) and Card(s) are governed exclusively by the separate 8TK Business Deposit Account & Cardholder Agreement provided by First Bank of the Lake, available at www.8tkpay.com/account-agreement (the “Account Agreement”), and not by this Agreement.

If a term of this Agreement conflicts with the Account Agreement as it relates to your Account(s) or Card(s), the Account Agreement controls. If a term of this Agreement conflicts with the App User Agreement as it relates to the Fuel Services, the App User Agreement controls.

1. Acceptance of This Agreement

Please review this Agreement carefully before using the Services. If you do not agree to these terms, you may not access or use the App, the Website, or the Services.

To be eligible to use the Services and accept this Agreement, you must be (a) a legal resident of the United States, (b) at least 18 years of age or of legal age to form a binding contract, and (c) not otherwise prohibited by law from using the Services.

An Account is not required to access the App. However, an Account with First Bank of the Lake is required to use the Services. Eligibility to open and maintain an Account, including any identity-verification, age, or residency requirements, is determined by First Bank of the Lake under the Account Agreement. If you are not approved for an Account, or if your Account is closed for any reason, you will lose access to the Services, but may continue to access the App.

2. Modifications to This Agreement

We may amend this Agreement at any time by posting the revised Agreement in the App. You should check this Agreement periodically for changes. Changes are effective upon posting unless we state otherwise. Your continued use of the App or the Services after a change is posted constitutes your acceptance of that change. We may terminate, suspend, change, or restrict access to all or part of the Services at any time without liability to you.

3. Privacy Policy

Our Privacy Policy (available at www.8tkpay.com/privacy-policy) describes how we collect, use, and share information about you and is incorporated into this Agreement by reference. Certain features may also require you to separately acknowledge First Bank of the Lake’s privacy notice before your Account is opened.

4. Minimum Technology Requirements

To access and use the App, you must have a compatible mobile device with an internet connection running a supported version of iOS or Android, a valid email address, and sufficient storage space to install the App. The App is available on the Apple App Store and Google Play Store.

5. Geographic Restrictions and App Availability

The App is intended for use only by legal residents of the United States, including its territories and possessions, consistent with the eligibility requirements in Section 1. We make no representation that the App, or any Services, feature, or content made available through it, is appropriate, available, or lawful in any particular location. Certain Services or features may not be available in all states or jurisdictions, and availability may depend on factors including First Bank of the Lake’s ability to offer an Account in your state of residence. If you choose to access the App from outside the United States, you do so at your own risk and are responsible for compliance with any applicable local laws.

We reserve the right to withdraw, suspend, or amend the App, or any Service or feature we provide through it, at any time and without notice, in our sole discretion, including to limit or restrict availability based on geographic location or applicable legal or regulatory requirements. We will not be liable to you if the App, or any part of it, is unavailable at any time or for any period, whether due to maintenance, technical issues, or otherwise.

6. User Information Accuracy and Updates

To access the Services, you must create a user account with Greenlane. This process will include creation of a Login ID and password to access the App and the Services. When you sign up for a user account, you agree to provide accurate, current, and complete information such as your name, mailing address, and email address — as may be prompted by any registration forms available through the App, in connection with the Services, or as otherwise requested by Greenlane (“User Information”). You further represent that you are the legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the App and the Services.

In order to use certain Services, Greenlane may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries, or we cannot verify your identity, we may refuse to allow you to use the App and/or the Services.

Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may go to the Profile section of the Greenlane App, select “Settings,” and update your User Information accordingly. Some User Information updates may require you to contact our Customer Service Team at help@8tkpay.com or 1 (800) 716-6997.

Should you believe, or have reason to believe, that any of your User Information, including your Login ID and/or password, has been compromised, or that another person is accessing your user account through some other means, you agree to notify us as soon as possible at help@8tkpay.com .

7. Third-Party and Greenlane Mobile Banking Accounts Information

To use the Services, you direct Greenlane to retrieve your account transaction history, balance information, and/or other information maintained by third parties which are your personal accounts that you own, manage, and engage in financial transactions with (“Third-Party Account Information”). This includes information maintained by our bank partner, First Bank of the Lake, for your Account(s) and Card(s). Greenlane works with one or more third-party service providers, including Plaid Technologies, Inc. (“Plaid”), to access this Third-Party Account Information. We will use this information to provide you with the Services you request, for our own internal business purposes, and to offer you other Greenlane products and services that may be of interest to you. By using the Services, you authorize Greenlane to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us.

By consenting to this Agreement, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us so that we can retrieve this Third-Party Account Information, and for keeping those passwords and usernames up to date in the App. With the exception of information related to your Account, Greenlane does not review the Third-Party Account Information for accuracy, legality, or non-infringement, and Greenlane is not responsible for your Third-Party Account Information or products and services offered by or on third-party sites. Use of information retrieved through Plaid is also governed by the Plaid Privacy Policy at plaid.com/legal.

You acknowledge that any Third-Party Account Information displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.

8. Overview of Services

8.1 Services

Greenlane offers a variety of services and features, collectively referred to in this Agreement as the “Services.” Services available to you are detailed in the App and may include:

• Mobile Banking Services – a suite of banking features exclusive to Greenlane users with a demand deposit account made available through our bank partner, First Bank of the Lake, Member FDIC (each, an “Account” or “8TK Account”), including the 8TK Money Visa® Business Debit Card linked to your Account (a “Card”).
• Please see the Account Agreement, available at www.8tkpay.com/account-agreement for more information on these Services. See Section 9 for more information.

Greenlane is not a financial advisor or a financial planner. We do not make any representations or guarantees that our Services are right for you.

8.2 8TK Money Membership Program

As part of opening an Account, you are required to enroll in one of the Membership Tiers of the 8TK Money Membership Program and pay the Membership Fee prior to the issuance of a Card.

The 8TK Money Membership Program (“Membership Program”) is a tiered membership program offered in connection with the Card which includes access to a tier-specific Card and the tier-specific features, benefits, and rewards opportunities described in the applicable Rewards Terms and related program disclosures.

Greenlane, at its discretion, may limit access to Services based on factors, including your 8TK Money Membership Tier and any applicable fee. Access to services requires an annual fee (“Membership Fee”), which is detailed below.

The 8TK Money Membership Program includes the following tiers (“Membership Tiers”):

Each Membership Tier is subject to applicable eligibility requirements, fees, benefit limitations, and program terms.

The Membership Fee is charged annually. You may elect to pay the initial Membership Fee using a debit or credit card on file. Upon an upgrade or annual renewal (including any downgrade) we will automatically debit your 8TK Account as set forth in your ACH Authorization Agreement, available at www.8tkpay.com/ach-authorization-terms. Accordingly, you authorize Greenlane to charge any upgrade and annual renewal Membership Fee directly to your 8TK Account. If that attempt is declined, Greenlane will notify you of the failed payment, and you authorize Greenlane to charge the Membership Fee directly to any payment method you have on file. If the Membership Fee remains unpaid sixty (60) days after the renewal date, Greenlane may close your 8TK Account.

If you upgrade your Membership Tier, the additional cost is prorated based on the number of days remaining until your annual renewal date. The prorated amount is calculated by multiplying the difference between your current and new annual Membership Fee by the number of days remaining until renewal, divided by 365. For example, if you have 100 days remaining until renewal and upgrade from an $84/year plan to a $240/year plan, you would pay $42.74 at the time of the upgrade.

Not less than thirty (30) days before your annual Membership Fee is charged (the “Renewal Notice Period”), Greenlane will notify you of the upcoming renewal. This notice period constitutes an open enrollment window during which you may upgrade (which may be done at any time your 8TK Account is in good standing) or downgrade your Membership Tier, or cancel your Membership, effective as of your next renewal date. Elections made during the Renewal Notice Period may be submitted in the App or by emailing help@8tkpay.com.

If you do not act during the Renewal Notice Period, you may still cancel your Membership at any time in the App or by emailing help@8tkpay.com, provided you do so at least three (3) business days before your Membership Fee is charged, in order to avoid billing for the subsequent year.

Participation in the Membership Program requires an eligible 8TK Account in good standing.

Access to related features, benefits, and rewards may also require activation of the Greenlane mobile fueling app and use of the corresponding 8TK debit card and any associated services or applications designated by 8TK. Activation and use of the Greenlane mobile fueling app, and any fuel purchasing or other Fuel Services accessed through it, are governed exclusively by the App User Agreement and not by this Agreement.Rewards, discounts, credits, incentives, and other promotional benefits associated with the Membership Program are governed by separate Rewards Terms and related disclosures, which are incorporated into this Agreement by reference.

8TK reserves the right to modify, suspend, discontinue, replace, or limit any Membership Tier, card type, feature, benefit, eligibility requirement, or program component at any time, subject to applicable law.

8.3 Rewards Programs

We may offer rewards, incentives, promotional offers, cashback, account credits, or similar benefits in connection with your Account from time to time (“Rewards Program”).

Participation in any Rewards Program is optional unless otherwise stated and may be subject to eligibility requirements, enrollment, or qualifying activity determined by us.

Additional terms governing any Rewards Program, including eligibility, earning criteria, redemption, limitations, and expiration, will be provided separately in the applicable Rewards Terms, promotional terms, or program disclosures. By participating in a Rewards Program, you agree to the applicable Rewards Terms.

We may modify, suspend, or discontinue any Rewards Program at any time, subject to applicable law.

8.4 Customer Support

Greenlane may provide Customer Support for your use of the App and the Services.

9. Overview of Mobile Banking Services

9.1 Mobile Banking Services

If you open an Account, you will be able to manage your Account(s) and Card(s), view your transaction history and other account information, perform certain transactions, and access various features of your Account(s) and Card(s) using the Mobile Banking Services through the App. Your use of the Mobile Banking Services is governed by this Agreement. However, your Account, and any transactions you make with your Account(s) or Card(s) (including transactions you initiate through the Mobile Banking Services), are covered by the Account Agreement, available at www.8tkpay.com/account-agreement.

9.2 USA PATRIOT Act and Customer Identification Program Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

This means that when you open an Account or use our Services, we will ask for information that allows us to identify your business, including its legal name, EIN, legal address, state of incorporation, and other identifying information. We may also require proof of legal formation, such as articles of incorporation, a partnership agreement, or a fictitious business name registration (DBA).

We will also ask for information about each Beneficial Owner and Controlling Manager of your business, including their name, address, date of birth, and percentage of ownership, and may ask to see a copy of their driver’s license or other identifying documents. You are responsible for notifying us as soon as practicable of any changes to the beneficial ownership information you have provided us.

We may request this information and documentation at any time, including from existing customers, to keep our records current. If any owner is unable to provide the information needed to verify their identity, we may block or close the Account. You are responsible for the accuracy and completeness of the information you provide and for keeping it up to date.

We may share the information you have provided us with First Bank of the Lake, in connection with opening and maintaining your Account.

9.3 Fund Transfers

Transfers between your Account and any Linked Account are governed by the Account Agreement, available at www.8tkpay.com/account-agreement. Optional express fees may apply to expedited transfers, which will be disclosed when you request a funds transfer. Certain transaction limitations may apply to Linked Account transfers. Please refer to the Account Agreement for more information.

9.4 Account to Account Transfers

Account to Account Transfers between your Account and other Membership Program members are governed by the Account Agreement. Please refer to the Account Agreement for more information.

9.5 Authorizations

Only owners of an Account are permitted under this Agreement to access that Account through the Mobile Banking Services. By using the Mobile Banking Services, you agree that we and First Bank of the Lake are entitled to act on any transaction or other instruction we receive under your Login ID and password for the App, and you agree that any action taken under your Login ID and password will have the same effect as a signature authorizing the transaction or other action. We reserve the right to deny transactions or any other actions you authorize through the Mobile Banking Services:

• if, through no fault of ours, you do not have enough available funds in your Account to make a transfer or payment;
• if the Mobile Banking Services or your mobile device are not working properly;
• if circumstances beyond our control prevent us from making a transfer, payment, or taking an action you request us to take;
• if money in your Account is subject to legal process or other encumbrance restricting the transfer;
• if you do not give complete or correct instructions for a transfer or payment, or you do not follow the procedures in this Agreement or any other Agreement you have with us or First Bank of the Lake;
• if your App Login ID and/or password have been reported lost or stolen, if we canceled or disabled your Login ID and/or password, or if we have disabled the Mobile Banking Service; or
• if we have reason to believe that you or someone else is using the Mobile Banking Services for fraudulent or illegal purposes, or if we believe that a person other than you is using your App Login ID and password to access your Account.

There may be other exceptions described in the Account Agreement.

10. SMS and Electronic Communications

By providing your mobile phone number, you consent to receive text messages and calls (including autodialed or prerecorded calls) from us related to your use of the App and the Services, including service alerts, one-time passcodes, and, if you separately opt in, marketing messages. Message frequency varies, and message and data rates may apply. You may reply STOP to opt out or HELP for assistance at any time; carriers are not liable for delayed or undelivered messages.

You agree that we may provide notices, disclosures, and other communications relating to the App and the Services to you electronically, in accordance with the federal E-SIGN Act, by posting them in the App or by emailing them to the email address on file for your account. Separate electronic-consent terms applicable to your Account are set out in the Account Agreement.

11. SMS and Electronic Communications

By providing your mobile phone number, you consent to receive text messages and calls (including autodialed or prerecorded calls) from us related to your use of the App and the Services, including service alerts, one-time passcodes, and, if you separately opt in, marketing messages. Message frequency varies, and message and data rates may apply. You may reply STOP to opt out or HELP for assistance at any time; carriers are not liable for delayed or undelivered messages.

You agree that we may provide notices, disclosures, and other communications relating to the App and the Services to you electronically, in accordance with the federal E-SIGN Act, by posting them in the App or on the Website or by emailing them to the email address on file for your account. Separate electronic-consent terms applicable to your Account are set out in the Account Agreement.

12. Prohibited Conduct

You agree that you will not, and will not permit any third party to:

• use the App or the Services for any unlawful, fraudulent, or abusive purpose, or in any way that violates any applicable federal, state, local, or international law or regulation;
• attempt to reverse engineer, decompile, or disassemble any part of the App;
• use any robot, bot, spider, scraper, or other automated device, process, or means to access, search, or monitor the App for any purpose outside its intended use, or to copy any material from the App, other than through the interfaces we provide and without our prior written consent;
• use any device, software, or routine that interferes with the proper functioning of the App, or introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
• attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the App, or the servers, networks, or databases connected to them, including by means of a denial-of-service or distributed denial-of-service attack;
• interfere with, overburden, or disrupt the operation of the App or our systems;
• impersonate any person or entity or misrepresent your affiliation with any person or entity;
• use the Services to violate the terms and conditions of, or exploit referral or promotional programs offered by, us or any third party.

We may investigate suspected violations of this Agreement and take any action we deem appropriate, including limiting, suspending, or terminating your access to the App, the Website, or the Services, without prior notice.

13. Intellectual Property

The App and the Services, including all content, features, trademarks, logos, and software made available through them (collectively, the “Company Materials”) are owned by Greenlane.ai or its licensors and are protected by copyright, trademark, and other intellectual property laws. Except for the limited license to access and use the App for its intended personal, non-commercial purpose, no right, title, or interest in the Company Materials is transferred to you, and you may not copy, modify, distribute, or create derivative works based on the Company Materials without our prior written consent.

14. Third-Party Services and Links

The App may contain links to, or integrations with, services operated by third parties, including Plaid and other service providers described in this Agreement. Third-party services are governed by their own terms and privacy policies, and we are not responsible for the content, accuracy, or practices of any third party. Your use of any third-party service is at your own risk.

15. No Financial, Tax, or Legal Advice

GREENLANE.AI DOES NOT PROVIDE FINANCIAL, TAX, OR LEGAL ADVICE THROUGH THE APP OR THE SERVICES. WE ARE NOT A REGISTERED BROKER, FINANCIAL PLANNER, OR TAX ADVISOR. YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING FINANCIAL DECISIONS BASED ON INFORMATION PROVIDED THROUGH THE SERVICES. ALERTS AND NOTIFICATIONS ARE PROVIDED ON A BEST-EFFORTS BASIS, AND WE DO NOT GUARANTEE THEIR TIMELINESS, ACCURACY, OR DELIVERY.

16. Disclaimer of Warranties

THE APP AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. THIS SECTION DOES NOT APPLY TO YOUR ACCOUNT(S) OR CARD(S), WHICH ARE ADDRESSED SOLELY IN THE ACCOUNT AGREEMENT.

17. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, GREENLANE.AI AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE APP OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE APP OR THE SERVICES EXCEED THE GREATER OF (a) ONE HUNDRED DOLLARS ($100) OR (b) THE TOTAL FEES ACTUALLY PAID DIRECTLY TO GREENLANE BY THE USER (EXCLUDING AMOUNTS REMITTED FOR FUEL AND TAXES) DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS SECTION DOES NOT LIMIT ANY LIABILITY OF FIRST BANK OF THE LAKE, WHICH IS ADDRESSED SOLELY IN THE ACCOUNT AGREEMENT.

18. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Greenlane.ai, its officers, directors, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your access to or use of the App or the Services, (b) your violation of this Agreement, or (c) your violation of any third-party right.

19. Termination

We may suspend or terminate your access to the App or the Services at any time, for any reason, without prior notice. Provisions of this Agreement that by their nature should survive termination — including Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, and Dispute Resolution — will survive. Termination or suspension of your access to the App or the Services may, depending on the circumstances, result in the closure of your Account. Any closure of your Account, whether in connection with termination of this Agreement or otherwise, is governed exclusively by the Account Agreement between you and First Bank of the Lake, and not by this Agreement.

20. Dispute Resolution; Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS AND REQUIRES MOST DISPUTES BETWEEN YOU AND US TO BE RESOLVED BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR JURY TRIAL. YOU MAY OPT OUT AS DESCRIBED BELOW.

This arbitration agreement is between you and us regarding this Agreement, the App, and the Services (a “Dispute”). It does not apply to, and does not affect, any separate arbitration agreement between you and First Bank of the Lake concerning your Account(s) or Card(s), which is set out exclusively in the Account Agreement.

Before starting an arbitration or small-claims action, you and we agree to first try to resolve any Dispute informally by contacting the other party in writing. Notices to us should be sent to 4773 William Flinn Hwy, Allison Park, PA 15101. If the Dispute is not resolved within forty-five (45) days, either party may commence binding arbitration administered by American Arbitration Association, under its consumer arbitration rules then in effect, except that either party may bring an individual claim in small claims court.

You have the right to opt out of this arbitration agreement by sending written notice to 4773 William Flinn Hwy, Allison Park, PA 15101 within sixty (60) days of first becoming subject to this Agreement, identifying your name, the email address associated with your account, and a clear statement that you are opting out of arbitration. If you do not opt out, you and we each waive the right to a jury trial and the right to participate in a class, collective, or representative action against the other.

21. Governing Law and Venue

This Agreement is governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Subject to Section 18, any Dispute not resolved by arbitration must be brought in the state or federal courts located in Fayette County, and you consent to the personal jurisdiction of those courts.

22. General Provisions

Severability. If any provision of this Agreement is found unenforceable, that provision will be severed, and the remaining provisions will remain in full force and effect.

Waiver. Our failure to enforce any provision of this Agreement is not a waiver of our right to do so later.

Assignment. We may assign this Agreement at any time without notice to you. You may not assign this Agreement or your rights under it without our prior written consent.

Entire Agreement. This Agreement, together with our Privacy Policy and any Rewards Program terms referenced above, is the entire agreement between you and us regarding the App and the Services, and supersedes any prior agreements on that subject. This Agreement does not amend, supersede, or otherwise affect the Account Agreement, which is a separate agreement between you and First Bank of the Lake, or the App User Agreement, which is a separate agreement between you and us governing the Fuel Services.

Headings. Section headings are for convenience only and do not affect the interpretation of this Agreement.

23. Contact Us

If you have questions about this Agreement, please contact us at help@8tkpay.com or contact us by telephone at 1 (800) 716-6997.