⚠️ IMPORTANT CREDIT-CARD CASH-ACCESS WARNING If you use a credit card to send money through Venmo, PayPal, Cash App, Remitly, or another person-to-person payment service, do not assume your only cost is the app’s approximately 3% credit-card fee. Your credit-card issuer may classify the transaction as a cash advance or cash-like transaction. That can mean: • The payment app’s credit-card fee • A separate cash-advance fee from your card issuer • A higher cash-advance APR • Interest beginning immediately, with no purchase grace period • The transaction using your smaller cash-advance limit instead of your regular purchase limit • A declined or restricted transaction if the amount exceeds that cash limit Navy Federal has notified certain cardholders that, beginning November 2, 2026, person-to-person transfers through services such as Venmo, PayPal, Cash App, and Remitly will be treated as cash-like transactions subject to the applicable cash-advance APR. The notice received for a More Rewards card specifies an 18.00% cash-advance APR. Example: Sending $1,000 could involve a $30 app fee, a possible issuer cash-advance fee, and interest beginning immediately. Your actual cost depends on your card agreement. Before using a credit card for any money-transfer or liquidity strategy: 1. Call the card issuer and ask how that exact transaction will be coded. 2. Ask for the cash-advance APR, fee, and available cash limit. 3. Check whether interest begins on the transaction date. 4. Review the payment app’s current fees and prohibited uses. 5. Do not send money to yourself, create sham transactions, or violate card or app terms. 6. Save screenshots and confirmations before proceeding. This is educational information—not a recommendation to complete a transaction. Terms differ by issuer, card, payment service, and transaction type. Always verify your own agreement first. — ONCE Strategy Co.