Electronic Fund Transfer Disclosures

(Regulation E)

Scope Save, Inc.
Last Updated: March 20, 2026

This disclosure describes your rights and responsibilities when using electronic fund transfer (EFT) services through Scope Save, Inc. ("Scope," "we," "us"). These disclosures are provided in accordance with the Electronic Fund Transfer Act (EFTA) and Regulation E (12 CFR Part 1005).

Scope is not a bank. Banking services, including the custody of funds and origination of ACH transactions, are provided by our FDIC-insured sponsor bank partner(s).

1. Types of Electronic Fund Transfers

The following types of EFTs are available through the Scope app:

• ACH Debits (Deposits): Recurring automated ACH debit entries from your linked external bank account to fund your Scope savings goals. Daily micro-payments are batched and processed as weekly ACH debits.
• ACH Credits (Withdrawals): Transfers from your Scope balance back to your linked external bank account. Available as standard ACH (free, 1–3 business days) or instant transfer (1.5% fee, capped at $15.00).

2. Fees

The following fees apply to electronic fund transfers through Scope:

3. Your Right to Stop Preauthorized Transfers

You may stop any preauthorized recurring ACH debit by modifying or deleting your savings goal in the app, unlinking your bank account, or contacting us at customersupport@scopesave.com or (214) 215-0246 at least three (3) business days before the scheduled transfer date.

If you have told us to stop a preauthorized transfer and we do not do so, we will be liable for your losses or damages as provided by law.

4. Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your Scope account credentials have been compromised or if someone has accessed your account without your permission. Prompt notification is the best way to minimize your potential losses.

Your liability for unauthorized electronic fund transfers depends on how quickly you notify us:

• Within 2 business days: If you notify us within 2 business days after learning of loss or theft of your access credentials, your liability is limited to $50 or the amount of the unauthorized transfers that occurred before notification, whichever is less.
• After 2 business days but within 60 days: If you do NOT notify us within 2 business days but do notify us within 60 days after we send you your first statement showing the unauthorized transfer, your liability is limited to $500.
• After 60 days: If you do not notify us within 60 days after we send you your statement, you may lose all the money that was taken after the 60-day period and before you notify us.

5. Error Resolution Procedures

In case of errors or questions about your electronic transfers, contact us as soon as possible:

Phone: (214) 215-0246
Email: customersupport@scopesave.com
Mail: Scope Save, Inc., 5007 Stanford Ave, Dallas, TX 75209

You must contact us no later than 60 days after the FIRST statement or notification on which the problem or error appeared.

When you contact us, please provide:

1. Your name and Scope account information.
2. A description of the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error or why you need more information.
3. The dollar amount of the suspected error.
4. The approximate date of the suspected error.

5.1 Our Investigation

We will investigate your complaint and will determine whether an error occurred within 10 business days after we hear from you. If we need more time, we may take up to 45 days to complete our investigation. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete the investigation.

For new accounts (open less than 30 days), we may take up to 20 business days to provisionally credit your account and up to 90 days to complete our investigation.

We will tell you the results within 3 business days after completing our investigation. If we determine that no error occurred, we will send you a written explanation and reverse any provisional credit. You may ask for copies of the documents we used in our investigation.

6. ACH Return Handling

When an ACH debit is returned by your external bank, Scope takes the following actions:

• Automatic Pause: All automated savings are paused immediately upon receipt of a return.
• User Notification: You will be notified of the return via in-app notification and/or email.
• Required User Action: Savings will not resume until you take corrective action (such as re-linking your account, confirming authorization, or resolving the issue with your bank).
• Trust Tier Impact: ACH returns may result in demotion of your trust tier, which governs your access to pending (in-transit) funds.

Scope handles all standard NACHA return codes with specific business logic, including but not limited to: R01 (Insufficient Funds), R02 (Account Closed), R03 (No Account/Unable to Locate), R05 (Unauthorized Debit to Consumer Account), R07 (Authorization Revoked by Customer), R09 (Uncollected Funds), R10 (Customer Advises Not Authorized), and R29 (Corporate Customer Advises Not Authorized).

7. Transaction Documentation

You will receive transaction confirmations for each ACH debit and credit through the Scope app. A history of all transactions is available within the app at any time. We will also provide periodic statements electronically through the app, in accordance with your Consent to Electronic Disclosures.

8. Our Liability

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance, if:

• Through no fault of ours, you do not have enough money in your linked bank account to complete the transfer.
• The transfer would exceed a credit limit on your linked account.
• Your linked bank account has been closed or frozen.
• Circumstances beyond our control (such as fire, flood, power failure, or system outage) prevent the transfer, despite reasonable precautions we have taken.
• Your linked bank returns the ACH transaction for any reason.

There may be other exceptions stated in our agreement with you or permitted by applicable law.

9. Confidentiality

We will disclose information to third parties about your account or the transfers you make only as necessary to complete transfers, to comply with law or government agency requests, to prevent fraud, to verify the existence and condition of your account for a third party (such as a merchant), or with your written permission. For more details, see our Privacy Policy and GLBA Privacy Notice.

10. Contact Information

For questions, error reports, or to report unauthorized transactions:

Email: customersupport@scopesave.com
Phone: (214) 215-0246
Mail: Scope Save, Inc., 5007 Stanford Ave, Dallas, TX 75209
Hours: Monday–Friday, 9:00 AM – 5:00 PM Central Time (excluding federal holidays)

Banking services are provided by our FDIC-insured sponsor bank partner(s), Members FDIC.