Intuit Payments Inc, a subsidiary of Intuit Inc., a Delaware corporation Early Refund Processing Agreement (“Agreement”) Name: Social Security No.: This Agreement contains important terms, conditions and disclosures about the program for processing of your refund(s) (the “Early Refund Processing Service” or “ERPS”) by Intuit Payments Inc, a subsidiary of Intuit Inc., a Delaware corporation (“IPI”, “we”, “our”, or “us”) using an account created for you at a partner financial institution, such as Cross River Bank (“Bank”). If you participate in ERPS, you have chosen to receive your federal and/or state tax refund up to five (5) days early, subject to eligibility. Read this Agreement carefully before accepting its terms and conditions, and print a copy and/or retain this information electronically for future reference. As used in this Agreement, the words “you” and “your” refer to the applicant or both the applicant and joint applicant if the 2025 federal and/or state income tax return(s) is a joint return (individually and collectively, “Applicant”). The words “we,” “us” and “our” refer to IPI. The ERPS includes money transfer services provided by IPI, which is licensed as a money transmitter in the U.S. jurisdictions listed at: https://www.intuit.com/legal/licenses/payment-licenses/. While the ERPS is provided by IPI, under certain circumstances, IPI may not be required to provide such services under its money transmitter licenses. 1. NOTICE: No Requirement To Use the Early Refund Processing Service In Order To File Electronically. YOU UNDERSTAND THAT AN ERPS FEE OF $_____ IS CHARGED BY IPI TO ESTABLISH A TEMPORARY ROUTER ACCOUNT TO RECEIVE YOUR FEDERAL AND/OR STATE TAX REFUND, TO PROCESS IT , TO DEDUCT THE ERPS FEE, AND OTHER AUTHORIZED FEES FROM THAT ACCOUNT, AND TO FORWARD FUNDS TO YOU VIA THE DISBURSEMENT METHOD AS STATED BELOW. YOU ARE NOT REQUIRED TO USE THE ERPS. THE EARLY REFUND PROCESSING SERVICE IS NOT A LOAN; THE FEE IS COLLECTED ONLY AT THE TIME THE EARLY REFUND PROCESSING SERVICE OCCURS. YOU CAN AVOID THIS FEE AND NOT USE THE EARLY REFUND PROCESSING SERVICE BY INSTEAD CHOOSING ANOTHER REFUND DEPOSIT METHOD AT THE TIME YOU FILE YOUR 2025 FEDERAL INCOME TAX RETURN AND ELECTING TO HAVE YOUR REFUND(S) DIRECTLY DEPOSITED IN YOUR OWN BANK ACCOUNT OR MAILED TO YOU. IF YOU DO USE THE EARLY REFUND PROCESSING SERVICE, YOU CAN EXPECT TO RECEIVE THE PROCEEDS FROM YOUR FEDERAL AND/OR STATE TAX REFUND(S) UP TO 5 DAYS EARLIER THAN THE TYPICAL 21 DAYS FROM WHEN THE INTERNAL REVENUE SERVICE (“IRS”) ACCEPTS YOUR RETURN(S) UNLESS THERE ARE PROCESSING DELAYS OR UNLESS YOUR RETURN(S) CONTAINS EARNED INCOME TAX CREDIT OR ADDITIONAL CHILD TAX CREDIT, IN WHICH CASE THE IRS WILL ISSUE YOUR REFUND(S) NO EARLIER THAN FEBRUARY 15, 2025. IF YOU SELECT ERPS YOU WILL RECEIVE YOUR FEDERAL AND/OR STATE REFUND PROCEEDS AT LEAST ONE (1) DAY EARLY OR YOU WILL NOT BE CHARGED FOR THE ERPS SERVICE. THE COST OF PREPARING YOUR TAX RETURN(S) WILL NOT INCREASE OR DECREASE IF YOU PURCHASE THE EARLY REFUND PROCESSING SERVICE. 2. Authorization to Release Personal Information. You authorize the IRS to disclose any information to Bank and IPI related to the funding of your 2025 federal tax refund(s). You also authorize Intuit Inc., as the transmitter of your electronically filed tax return(s), Bank and IPI to disclose to each other certain information about you and your tax return(s) for the purpose of providing the services contemplated under this Agreement and other services offered by Intuit Inc. and its subsidiaries. You also represent that any authorizations you have made in this Section 2 have also been obtained from and are made with respect to your spouse, if this is a jointly filed return. Please see the Privacy Policy at the end of this Agreement describing how IPI may use or share your personal information. 3. Temporary Router Account Authorization. You hereby authorize us to establish a temporary router account (“Router Account”) for you at Bank for the sole purpose of receiving your tax year 2025 federal and/or state tax refund(s) from the IRS and/or applicable state taxing authority. We must receive an acknowledgement from the IRS and/or applicable state taxing authority that your return(s) has been electronically filed and accepted for processing before the Router Account can be opened. All fees discussed in this Section 3 are each, a “Fee.” You authorize IPI to deduct from your federal and/or state tax refund and/or Router Account all of the following amounts: (i) the Early Refund Processing Fee; (ii) if applicable, any fees for additional products and services purchased via TurboTax, and (iii) all applicable taxes (collectively, “Fees”). By using the ERPS, you will receive your federal and/or state tax refund up to five (5) days early for an additional fee of $______. IPI will deduct from the refund amount the ERPS fee, if you receive your federal and/or state refund proceeds at least 1 day early. You authorize us to disburse
to the processing of your refund by IPI. Intuit Inc. does not provide the ERPS. Again, the ERPS is provided by IPI. (c) Your refund(s) may be held or returned to the IRS and/or applicable state taxing authority if it is suspected of fraud or identity theft. 5. General Disclosures. The Router Account is being opened for the sole purpose of receiving your (or both spouses if this is a jointly filed return) tax year 2025 federal and/or state tax refund(s). IPI will deduct from the refund amount the Fees, if you receive your federal and/or state refund proceeds by 11:59 PM EST the day before the IRS would have delivered your refund. No withdrawals will be allowed from the Router Account except to collect the amounts stated in this Agreement, including Section 3 and Section 7. Without any further action by you, IPI will automatically deduct and send any funds owed to IPI under this Agreement to IPI after receipt of your tax refund(s) into the Router Account. No interest is payable on the deposit; thus, the annual percentage yield and interest rate are 0%. The Router Account will be closed after all authorized deductions have been made. Questions or concerns about the Router Account should be directed to Intuit Inc., acting on behalf of IPI, either by telephone by calling 1-800-446-8848 or sent in writing to the address below: Intuit, Inc ATTN: 5DE Inquiries 2535 Garcia Ave Mountain View, CA 94043 6. Disbursement Method. You agree that the disbursement method selected below will be used by IPI to disburse funds to you. By using the Direct Deposit method of disbursement, the balance of your refund amount, minus any authorized fees associated with the ERPS, will be disbursed to you electronically by RTP or same day ACH direct disbursement to your Authorized Destination Account designated below. If your refund does not qualify to be processed with the ERPS, the entire refund amount will be sent electronically by standard ACH. If a joint return is filed, the bank account may be a joint account or the individual account of either spouse. DIRECT DEPOSIT ACCOUNT TYPE: __ Checking __ Savings RTN#: __ __ __ __ __ __ __ __ __ ACCOUNT #: __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ Note: To ensure that there are no delays in receiving your refund(s), please contact your financial institution that maintains your Authorized Destination Account to confirm that you are using the correct RTN (routing) and account number. IPI and Intuit Inc. are not responsible for the misapplication of a direct disbursement that results from error, negligence or malfeasance on the part of you or your representative. In cases where Bank, on behalf of IPI, has received your federal and/or state tax refund(s) but IPI is unable to deliver the funds directly to you (including, for example, if you or your representative enter your account information incorrectly and your disbursement is returned to the Bank), funds may (i) be disbursed via check mailed to your physical address of record, (ii) be held at Bank until claimed, or (iii) returned to the IRS and/or applicable state taxing authority. Due to the risk of fraudulent diversion of tax refunds, we may not process any address or account changes for purposes of disbursing your tax refund(s). If we become aware that your address or checking or savings account has changed after you sign this Agreement but before your federal and/or state tax refund(s) is received by us, upon receipt of your federal and/or state tax refund(s) from the IRS or applicable state taxing authority, we will return your tax refund(s) to the applicable agency. We will do our best to escalate the return of your federal and/or state tax refund(s) to the applicable agency and you will need to work with the applicable agency directly for disbursement. 7. Up to 5 Days Early. By using the ERPS, you will receive your federal and/or state tax refund up to five (5) days early for an additional fee of $______. The availability of the ERPS is subject to: (a) your bank’s participation in the Real-Time Payments (RTP) system or eligibility to receive same day ACH, (b) availability of funds for this program at the time you receive your refund, and (c) your federal and/or state tax refund is not greater than $20,000. You will not be charged the $____ fee if (a) you select the ERPS and for any reason you are not eligible or (b) you do not receive your refund at least 1 day early. The ERPS may change or discontinue at any time. If you are eligible for the ERPS, then you also authorize us to make all authorized deductions or payments owed to us (or our affiliates that offer TurboTax), including for any Fees, prior to disbursing your federal and/or state tax refund to you up to five (5) days early. 8. FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES. In case of errors or questions about electronic transfers to or from the Router Account, contact us either by telephone by calling 1-800-446-8848 or write to Intuit Payments Inc c/o Intuit, Inc A
Confidentiality: We will disclose information to third parties about your account or the transfers you make: ● To complete transfers as necessary; ● To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; ● To comply with government agency or court orders; ● If you give us your written permission; or ● As explained in the Privacy Policy following this Agreement. Our Liability: If we do not complete a transfer to your account on time or in the correct amount according to this Agreement, we may be liable for your losses or damages. In addition to all other limitations of liability set forth in this Agreement, we will not be liable to you if, among other things: ● Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, pandemic, computer breakdown, telephone line disruption, or a natural disaster) prevent the transfer, despite reasonable precautions that have been taken. ● The funds in your account are subject to legal process or other claim restricting such transfer. ● You, your representative or a third party provide us with inaccurate or untimely information. 9. Governing Law. The enforcement and interpretation of this Agreement and the transactions contemplated herein shall be governed by the laws of the United States, including the Electronic Signatures in Global and National Commerce Act, and, to the extent state law applies, the substantive laws of Delaware. 10. Summary of Terms. Expected Refund(s) $ Less ERPS Fee $ Expected Proceeds* $ * These amounts are itemized. This is only an estimate. The amount will be reduced by any applicable sales taxes. The above deductions will be subtracted from your federal and/or state refund, where applicable. 11. Arbitration Provision. You acknowledge that the services set forth in this Agreement are being made available and priced by IPI on the basis of your acceptance of the following arbitration provision (“Arbitration Provision”). By entering into this Agreement, you acknowledge that you are giving up the right to litigate Claims (as defined below) if you or IPI elects arbitration of the Claims pursuant to this provision, except as otherwise expressly provided herein, and you hereby knowingly and voluntarily waive the right to trial of all Claims subject to this Agreement. You further acknowledge that you have read this Arbitration Provision carefully, agree to its terms, and are entering into this Agreement voluntarily and not in reliance on any promises or representations whatsoever except those contained in this Agreement. ARBITRATION NOTICE THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. 11.1. Arbitration of Claims: If you elect to seek arbitration, you must first send to IPI a written Notice of your Claim ("Notice of Claim"). The Notice of Claim to IPI should be sent in care of our registered agent Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808. The Notice of Claim should include both the mailing address and email address you would like IPI to use to contact you. If IPI elects to seek arbitration, it will send, by certified mail, a written Notice of Claim to your address on file. A Notice of Claim must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific amount of damages or other relief sought. You agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost and mutually beneficial outcome. You and IPI therefore agree that, after a Notice of Claim is sent but before either you or IPI commence arbitration or file a claim in small claims court against the other, we will personally meet, via telephone or videoconference, in a good-faith effort to confer with each other and try to resolve informally any Claim covered by this Agreement. If you are represented by counsel, your counsel may participate in the conference as well, but you agree to fully participate in the conference. Likewise, if IPI is represented by counsel, its counsel may participate in the conference as well, but IPI agrees to have a company representative fully participate in the conference. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph. If we do not reach an agreement to resolve the Claim within sixty (60) days after the Notice of Claim is received, you or IPI may commence an arbitration proceeding by filing a Demand for Arbitration or, alternatively, by filing a Claim in small claims court. You agree that you may not commence any arbitration or file a claim in small claims court unless you and IPI are unable to resolve the claim within 60 days after we receive your completed Notice of Claim and you have made a good faith effort to resolve your claim directly with IPI during that time. I
proceeding shall remain closed unless and until a decision by the small claims court that the Claim should proceed in arbitration. You may download or copy a form of notice and a form to initiate arbitration at www.adr.org or by calling 1-800-778-7879. The arbitration will be conducted by the AAA before a single AAA arbitrator under the AAA's rules, which are available at www.adr.org or by calling 1-800-778-7879, except as modified by this Agreement. Unless IPI and you agree otherwise, any arbitration hearings will take place in the county (or parish) of either your residence or of the mailing address you provided in your Notice of Claim. 11.2. Other Claims Subject to Arbitration: In addition to Claims brought by you, Claims made by anyone connected with you or anyone making a Claim through you (including a taxpayer filing jointly, employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy) against us shall be subject to arbitration as described herein. 11.3. Exceptions: We agree not to invoke our right to arbitrate any individual Claim you bring in small claims court or an equivalent court so long as the Claim is pending only in that court. This Arbitration Provision also does not limit or constrain our right to interplead funds in the event of claims to the Account by several parties. 11.4. Individual Claims Only: Claims may be submitted to arbitration on an individual basis only. Claims subject to this Arbitration Provision may not be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on behalf of the general public or on behalf of any other person, unless otherwise agreed to by the parties in writing. However, taxpayers filing jointly and party to this Agreement are considered as one person; IPI and its officers, directors, employees, agents, and affiliates are considered as one person; and Bank and its officers, directors, employees, agents, and affiliates are considered as one person. Further, if you have elected arbitration, unless both you and IPI agree otherwise, the arbitrator may not consolidate any other person's Claims with your Claims and may not otherwise preside over any form of a representative or class proceeding. If IPI believes that any Claim you have filed in arbitration or in court is inconsistent with the limitations in this paragraph, then you agree that we may seek an order from a court determining whether your Claim is within the scope of the Class Action Waiver. If this Class Action Waiver is found to be unenforceable, then the entirety of this Arbitration Section shall be null and void. 11.5. Arbitration Fees: Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. You are required to pay AAA's initial filing fee, but IPI will reimburse you for this filing fee at the conclusion of the arbitration to the extent it exceeds the fee for filing a complaint in a federal or state court in your county of residence or in Santa Clara County, California. If the arbitrator finds that either the substance of your Claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules and IPI will not reimburse your initial filing fee. The parties agree that the AAA has discretion to modify the amount or timing of any administrative or arbitration fees due under the AAA Rules where it deems appropriate, provided that such modification does not increase the AAA fees to you or IPI and you and IPI waive any objection to such fee modification. 11.6. Procedure: A single arbitrator will resolve the Claims. The arbitrator will be either (1) a retired judge or (2) an attorney specifically licensed to practice law in the state of California or the state of your residence and will be selected by the parties from the AAA's National Roster of arbitrators. The arbitrator will be selected using the following procedure: (a) the AAA will send the parties a list of five candidates meeting this criteria; (b) if the parties cannot agree on an arbitrator from the list, each party shall return its list to the AAA within 10 days, striking up to two candidates, and ranking the remaining candidates in order of preference; (c) the AAA shall appoint as arbitrator the candidate with the highest aggregate ranking; and (d) if for any reason the appointment cannot be made according to this procedure, the AAA may exercise its discretion in appointing the arbitrator. The arbitrator is bound by this Agreement. Except as otherwise provided below, all issues are for the arbitrator to decide, including issues relating to the scope and enforceability of this arbitration provision. The arbitration shall follow the rules and procedures of the arbitration administrator i
13. Conflicts. To the extent there is any conflict between the terms of this Agreement and the TurboTax Terms of Service available at https://turbotax.intuit.com/corp/terms-of-use/, the provisions of this Agreement shall control with respect to any issues concerning the Program. YOUR AGREEMENT IPI agrees to all of the terms of this Agreement. By selecting the “I Agree” button in TurboTax: (i) You authorize IPI and/or Bank to receive your 2025 federal and/or state tax refund(s) from the IRS and/or applicable state taxing authority, and IPI to make the deductions from your federal and/or state refund(s) as described in the Agreement, (ii) You agree to receive all communications electronically in accordance with the “Communications” section of the Tax Year 2025 TurboTax® User Agreement, (iii) You consent to the release of your 2025 federal and/or state tax refund(s) disbursement information and application information as described in this Agreement; and (iv) You acknowledge that you have reviewed, and agree to be bound by, the Agreement’s terms and conditions. If this is a joint return, selecting “I Agree” indicates that both spouses agree to be bound by the terms and conditions of the Agreement. REV 03/25/26 Intuit.cg.cfp.sp
Rev. 12/2022 FACTS WHAT DOES INTUIT INC. (“INTUIT”) DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: ▪ Social Security number and transaction history ▪ account balances and payment history ▪ credit history and credit scores How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Intuit chooses to share; and whether you can limit this sharing. Reasons we can share your information Does Intuit share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share* For nonaffiliates to market to you No We don’t share Questions? Visit us at: https://www.intuit.com/privacy/ Email us at: privacy@intuit.com REV 03/25/26 Intuit.cg.cfp.sp
Page 2 Who we are Who is providing this notice? This notice is provided by Intuit Inc. and is applicable to your U.S. Intuit account. What we do How does Intuit protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Intuit collect my personal information? We collect your personal information, for example, when you ▪ open an account or seek financial or tax advice ▪ give us your contact information or give us your income information ▪ apply for a loan We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only ▪ sharing for affiliates’ everyday business purposes—information about your creditworthiness ▪ affiliates from using your information to market to you ▪ sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ▪ Our affiliates include companies with the Intuit name (operating as TurboTax, QuickBooks, Mint, Credit Karma, and Mailchimp) Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ▪ Our joint marketing partners are financial service companies. Other important information For Vermont Customers: • We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. • Additional information concerning our privacy policies can be found at https://www.intuit.com/privacy/. For California Customers: In accordance with California law, we will not share information we collect about California residents with nonaffiliates, unless the law allows. For example, we may share information with your consent, to service your accounts. We will limit sharing among our companies to the extent required by California law. *We do not share information about your creditworthiness with affiliates for their everyday business purposes. However, we may share information about your creditworthiness with affiliates for other purposes, with your consent. REV 03/25/26 Intuit.cg.cfp.sp
IMPORTANT DISCLOSURES If you are owed federal and/or state tax refund(s), you have a right to choose how you will receive the refund(s). There are several options available to you. Some options cost money and some options are free. Please read about these options below. You can file your federal tax return(s) electronically or by paper and obtain your federal tax refund(s) directly from the Internal Revenue Service (“IRS”) for free. Additionally, you can file your state tax return(s) electronically or by paper and obtain your state tax refund(s) directly from the applicable state taxing authority for free. If you file your federal tax return(s) electronically, you can receive refund checks directly from the IRS through the U.S. Postal Service in 21 to 28 days from the time you file your tax return(s) or the IRS can disburse your refund(s) directly into your bank account in less than 21 days from the time you file your tax return(s) unless there are delays by the IRS. If you file a paper federal tax return(s) through the U.S. Postal Service, you can receive refund checks directly from the IRS through the U.S. Postal Service in 6 to 8 weeks from the time the IRS receives your return(s) or the IRS can disburse your refund(s) directly into your bank account in 6 to 8 weeks from the time the IRS receives your return(s). However, if your federal tax return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2026. Please consult your applicable state taxing authority’s website for details on when you can expect to receive your state tax refund(s). You can file your federal and state tax return(s) electronically, select the Early Refund Processing Service (the “ERPS”) for an additional fee of $____ (the “ERPS Fee”), and have your federal and/or state tax refund(s) processed with Intuit Payments, Inc. (“IPI”, “we”, “our”, or “us”). Your refund will be processed through an account created for you at a partner financial institution, such as Cross River Bank (“Bank”). The ERPS allows us to track your refund and provide the refund amount to you up to 5 days earlier than the communicated tax authority settlement date. This is accomplished when you elect to have your federal and/or state refund(s) disbursed into an account at Bank and we receive notice of the refund settlement date and can send the refund amount, minus any authorized fees for the service, to the bank account indicated on your tax return. If you file your tax return(s) electronically and select the ERPS, the IRS and/or state taxing authority will deposit your refund(s) with Bank. Unless there are unexpected delays, federal refunds are received in less than 21 days from the time you file your tax return(s) electronically. However, if your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2026. Your selection of the ERPS means, if eligible, you will receive your federal and/or state refund proceeds up to five (5) days early. The ERPS is not necessary to obtain your refund(s). If you have an existing bank account and do not desire to receive the ERPS, you do not need to use the ERPS, which requires the payment of a fee, in order to receive a direct disbursement from the IRS or applicable state taxing authority. You may consult the IRS website (irs.gov) or website of the applicable state taxing authority for information about tax refund processing. If you select the ERPS, no prior debt you may owe to Bank will be deducted from your refund(s). You can change your income tax withholdings which might result in you retaining more of your compensation throughout the year rather than waiting to receive withheld amounts potentially in tax refund(s) next year. Please consult your employer or tax advisors for additional details. This Agreement requires all disputes to be resolved by way of binding arbitration. The terms of the arbitration provision appear in Section 11. Information regarding low-cost deposit accounts may be available at www.mymoney.gov. The chart below shows the options for filing your federal and state tax returns (e-file or paper returns), the ERPS product, refund disbursement options, estimated timing for obtaining your federal tax refund proceeds, and costs associated with the various options. 35.00 REV 03/25/26 Intuit.cg.cfp.sp
WHAT TYPE OF FILING METHOD? WHAT ARE YOUR DISBURSEMENT OPTIONS? WHAT IS THE ESTIMATED TIME TO RECEIVE REFUND(S)? WHAT COSTS DO YOU INCUR IN ADDITION TO TAX PREPARATION FEES? PAPER RETURN No Early Refund Processing Service IRS or applicable state taxing authority issues direct disbursement to your bank account. Approximately 6 to 8 weeks1 Check website for applicable state taxing authority No additional cost. Check mailed by IRS or applicable state taxing authority to address on tax return(s). Approximately 6 to 8 weeks1 Check website for applicable state taxing authority ELECTRONIC FILING (E-FILE) No Early Refund Processing Service IRS or applicable state taxing authority issues direct disbursement to your bank account. Usually within 21 days1 Check website for applicable state taxing authority No additional cost. Check mailed by IRS or applicable state taxing authority to address on tax return(s). Approximately 21 to 28 days1 Check website for applicable state taxing authority ELECTRONIC FILING (E-FILE) Early Refund Processing Service Direct disbursement to your bank account. Usually within 21 days1 Check website for applicable state taxing authority $____ for ERPS2 1You may experience delays with your tax refund(s) if, for example, you enter incorrect bank account or contact information, you enter a bank account in someone else’s name, or if possible suspicious activity is detected. If your return(s) contains Earned Income Tax Credit or Additional Child Tax Credit, the IRS will issue your refund(s) no earlier than February 15, 2026. 2 If you select and obtain ERPS to receive your federal and/or state refund proceeds up to five (5) days early, you will be charged a $_________ fee. Questions? Call 1-800-446-8848 35.00 35.00 REV 03/25/26 Intuit.cg.cfp.sp
Form 1040 2025U.S. Individual Income Tax Return Department of the Treasury—Internal Revenue Service OMB No. 1545-0074 IRS Use Only—Do not write or staple in this space. For the year Jan. 1–Dec. 31, 2025, or other tax year beginning , 2025, ending , 20 See separate instructions. Filed pursuant to section 301.9100-2 Combat zone Deceased Spouse Other Your first name and middle initial Last name Your social security number If joint return, spouse’s first name and middle initial Last name Spouse’s social security number Home address (number and street). If you have a P.O. box, see instructions. Apt. no. City, town, or post office. If you have a foreign address, also complete spaces below. State ZIP code Foreign country name Foreign province/state/county Foreign postal code Check here if your main home, and your spouse’s if filing a joint return, was in the U.S. for more than half of 2025. Presidential Election Campaign Check here if you, or your spouse if filing jointly, want $3 to go to this fund. Checking a box below will not change your tax or refund. You Spouse Filing Status Check only one box. Single Married filing jointly (even if only one had income) Married filing separately (MFS). Enter spouse’s SSN above and full name here: Head of household (HOH) Qualifying surviving spouse (QSS) If you checked the HOH or QSS box, enter the child’s name if the qualifying person is a child but not your dependent: If treating a nonresident alien or dual-status alien spouse as a U.S. resident for the entire tax year, check the box and enter their name (see instructions and attach statement if required): Digital Assets At any time during 2025, did you: (a) receive (as a reward, award, or payment for property or services); or (b) sell, exchange, or otherwise dispose of a digital asset (or a financial interest in a digital asset)? (See instructions.) . . Yes No Dependents (see instructions) If more than four dependents, see instructions and check here . . Dependent 1 Dependent 2 Dependent 3 Dependent 4 (1) First name (2) Last name (3) SSN (4) Relationship (5) Check if lived with you more than half of 2025 (a) Yes (b) And in the U.S. (a) Yes (b) And in the U.S. (a) Yes (b) And in the U.S. (a) Yes (b) And in the U.S. (6) Check if Full-time student Permanently and totally disabled Full-time student Permanently and totally disabled Full-time student Permanently and totally disabled Full-time student Permanently and totally disabled (7) Credits Child tax credit Credit for other dependents Child tax credit Credit for other dependents Child tax credit Credit for other dependents Child tax credit Credit for other dependents Check if your filing status is MFS or HOH and you lived apart from your spouse for the last 6 months of 2025, or you are legally separated according to your state law under a written separation agreement or a decree of separate maintenance and you did not live in the same household as your spouse at the end of 2025. Income Attach Form(s) W-2 here. Also attach Forms W-2G and 1099-R if tax was withheld. If you did not get a Form W-2, see instructions. 1a Total amount from Form(s) W-2, box 1 (see instructions) . . . . . . . . . . . . . 1a b Household employee wages not reported on Form(s) W-2 . . . . . . . . . . . . . 1b c Tip income not reported on line 1a (see instructions) . . . . . . . . . . . . . . 1c d Medicaid waiver payments not reported on Form(s) W-2 (see instructions) . . . . . . . . 1d e Taxable dependent care benefits from Form 2441, line 26 . . . . . . . . . . . . 1e f Employer-provided adoption benefits from Form 8839, line 31 . . . . . . . . . . . 1f g Wages from Form 8919, line 6 . . . . . . . . . . . . . . . . . . . . . 1g h Other earned income (see instructions). Enter type and amount: 1h i Nontaxable combat pay election (see instructions) . . . . . . . 1i z Add lines 1a through 1h . . . . . . . . . . . . . . . . . . . . . . 1z Attach Sch. B if required. 2a Tax-exempt interest . . . 2a b Taxable interest . . . . . 2b 3a Qualified dividends . . . 3a b Ordinary dividends . . . . . 3b c Check if your child’s dividends are included in 1 Line 3a 2 Line 3b 4a IRA distributions . . . . 4a b Taxable amount . . . . . . 4b c Check if (see instructions) . . . . . 1 Rollover 2 QCD 3 5a Pensions and annuities . . 5a b Taxable amount . . . . . . 5b c Check if (see instructions) . . . . . 1 Rollover 2 PSO 3 6a Social security benefits . . 6a b Taxable amount . . . . . . 6b c If you elect to use the lump-sum election method, check here (see instructions) . . . . . d If you are married filing separately and lived apart from your spouse the entire year (see inst.), check here 7a Capital gain or (loss). Attach Schedule D if required . . . . . . . . . . . . . . 7a b Check if: Schedule D not required Includes child’s capital gain or (loss) 8 Additional income from Schedule 1, line 10 . . . . . . . . . . . . . . . . . 8 9 Add lines 1z, 2b, 3b, 4b, 5b, 6b, 7a, and 8. This is your total income . . . . . . . . . 9 10 Adj
Form 1040 (2025) Page 2 Tax and Credits 11b Amount from line 11a (adjusted gross income) . . . . . . . . . . . . . . . . 11b 12a Someone can claim You as a dependent Your spouse as a dependent b Spouse itemizes on a separate return c You were a dual-status alien d You: Were born before January 2, 1961 Are blind Spouse: Was born before January 2, 1961 Is blind Standard deduction for— • Single or Married filing separately, $15,750 • Married filing jointly or Qualifying surviving spouse, $31,500 • Head of household, $23,625 • If you checked a box on line 12a, 12b, 12c, or 12d, see inst. e Standard deduction or itemized deductions (from Schedule A) . . . . . . . . . . . 12e 13a Qualified business income deduction from Form 8995 or Form 8995-A . . . . . . . . . 13a b Additional deductions from Schedule 1-A, line 38 . . . . . . . . . . . . . . . 13b 14 Add lines 12e, 13a, and 13b . . . . . . . . . . . . . . . . . . . . . 14 15 Subtract line 14 from line 11b. If zero or less, enter -0-. This is your taxable income . . . . . 15 16 Tax (see instructions). Check if any from Form(s): 1 8814 2 4972 3 16 17 Amount from Schedule 2, line 3 . . . . . . . . . . . . . . . . . . . . 17 18 Add lines 16 and 17 . . . . . . . . . . . . . . . . . . . . . . . . 18 19 Child tax credit or credit for other dependents from Schedule 8812 . . . . . . . . . . 19 20 Amount from Schedule 3, line 8 . . . . . . . . . . . . . . . . . . . . 20 21 Add lines 19 and 20 . . . . . . . . . . . . . . . . . . . . . . . . 21 22 Subtract line 21 from line 18. If zero or less, enter -0- . . . . . . . . . . . . . . 22 23 Other taxes, including self-employment tax, from Schedule 2, line 21 . . . . . . . . . 23 24 Add lines 22 and 23. This is your total tax . . . . . . . . . . . . . . . . . 24 Payments and Refundable Credits 25 Federal income tax withheld from: a Form(s) W-2 . . . . . . . . . . . . . . . . . . 25a b Form(s) 1099 . . . . . . . . . . . . . . . . . . 25b c Other forms (see instructions) . . . . . . . . . . . . . 25c d Add lines 25a through 25c . . . . . . . . . . . . . . . . . . . . . . 25d 26 2025 estimated tax payments and amount applied from 2024 return . . . . . . . . . . 26 If you made estimated tax payments with your former spouse in 2025, enter their SSN (see instructions):If you have a qualifying child, you may need to attach Sch. EIC. 27a Earned income credit (EIC) . . . . . . . . . . . . . . 27a b Clergy filing Schedule SE (see instructions) . . . . . . . . . . . . . . . . c If you do not want to claim the EIC, check here . . . . . . . . . . . . . . . 28 Additional child tax credit (ACTC) from Schedule 8812. If you do not want to claim the ACTC, check here . . . . . . . . . . . . 28 29 American opportunity credit from Form 8863, line 8 . . . . . . . 29 30 Refundable adoption credit from Form 8839, line 13 . . . . . . 30 31 Amount from Schedule 3, line 15 . . . . . . . . . . . . 31 32 Add lines 27a, 28, 29, 30, and 31. These are your total other payments and refundable credits . 32 33 Add lines 25d, 26, and 32. These are your total payments . . . . . . . . . . . . 33 Refund 34 If line 33 is more than line 24, subtract line 24 from line 33. This is the amount you overpaid . . 34 35a Amount of line 34 you want refunded to you. If Form 8888 is attached, check here . . . . 35a Direct deposit? See instructions. b Routing number c Type: Checking Savings d Account number 36 Amount of line 34 you want applied to your 2026 estimated tax . . . 36 Amount You Owe 37 Subtract line 33 from line 24. This is the amount you owe. For details on how to pay, go to www.irs.gov/Payments or see instructions . . . . . . . . 37 38 Estimated tax penalty (see instructions) . . . . . . . . . . 38 Third Party Designee Do you want to allow another person to discuss this return with the IRS? See instructions. Yes. Complete below. No Designee’s name Phone no. Personal identification number (PIN) Sign Here Joint return? See instructions. Keep a copy for your records. Under penalties of perjury, I declare that I have examined this return and accompanying schedules and statements, and to the best of my knowledge and belief, they are true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge. Your signature Date Your occupation If the IRS sent you an Identity Protection PIN, enter it here (see inst.) Spouse’s signature. If a joint return, both must sign. Date Spouse’s occupation If the IRS sent your spouse an Identity Protection PIN, enter it here (see inst.) Phone no. Email address Paid Preparer Use Only Preparer’s name Preparer’s signature Date PTIN Check if: Self-employed Firm’s name Phone no. Firm’s address Firm’s EIN Go to www.irs.gov/Form1040 for instructions and the latest information. Form 1040 (2025) 0 4 2 0 0 0 0 1 3 1 3 0 1 2 9 7 8 7 9 0 4 Self-Prepared 15,750. 15,750. 20,356. 2,207. 2,207. 782. 0. 782. Student (614)332-3898 36,106. 4,094. 4,094. 5,044. 4,262. 4,262. 1,425. 1,425.
SCHEDULE 3 (Form 1040) 2025 Additional Credits and Payments Department of the Treasury Internal Revenue Service Attach to Form 1040, 1040-SR, or 1040-NR. Go to www.irs.gov/Form1040 for instructions and the latest information. OMB No. 1545-0074 Attachment Sequence No. 03 Name(s) shown on Form 1040, 1040-SR, or 1040-NR Your social security number Part I Nonrefundable Credits 1 Foreign tax credit. Attach Form 1116 if required . . . . . . . . . . . . . . . . . . 1 2 Credit for child and dependent care expenses from Form 2441, line 11. Attach Form 2441 . . . . 2 3 Education credits from Form 8863, line 19 . . . . . . . . . . . . . . . . . . . . 3 4 Retirement savings contributions credit. Attach Form 8880 . . . . . . . . . . . . . . 4 5a Residential clean energy credit from Form 5695, line 15 . . . . . . . . . . . . . . . 5a b Energy efficient home improvement credit from Form 5695, line 32 . . . . . . . . . . . 5b 6 Other nonrefundable credits: a General business credit. Attach Form 3800 . . . . . . . . . . . . 6a b Credit for prior year minimum tax. Attach Form 8801 . . . . . . . . 6b c Adoption credit. Attach Form 8839 . . . . . . . . . . . . . . 6c d Credit for the elderly or disabled. Attach Schedule R . . . . . . . . 6d e Reserved for future use . . . . . . . . . . . . . . . . . . 6e f Clean vehicle credit. Attach Form 8936 . . . . . . . . . . . . . 6f g Mortgage interest credit. Attach Form 8396 . . . . . . . . . . . 6g h District of Columbia first-time homebuyer credit. Attach Form 8859 . . . . 6h i Qualified electric vehicle credit. Attach Form 8834 . . . . . . . . . 6i j Alternative fuel vehicle refueling property credit. Attach Form 8911 . . . . 6j k Credit to holders of tax credit bonds. Attach Form 8912 . . . . . . . 6k l Amount on Form 8978, line 14. See instructions . . . . . . . . . . 6l m Credit for previously owned clean vehicles. Attach Form 8936 . . . . . 6m z Other nonrefundable credits. List type and amount: 6z 7 Total other nonrefundable credits. Add lines 6a through 6z . . . . . . . . . . . . . . 7 8 Add lines 1 through 4, 5a, 5b, and 7. Enter here and on Form 1040, 1040-SR, or 1040-NR, line 20 . 8 Part II Other Payments and Refundable Credits 9 Net premium tax credit. Attach Form 8962 . . . . . . . . . . . . . . . . . . . . 9 10 Amount paid with request for extension to file (see instructions) . . . . . . . . . . . . . 10 11 Excess social security and tier 1 RRTA tax withheld . . . . . . . . . . . . . . . . . 11 12 Credit for federal tax on fuels. Attach Form 4136 . . . . . . . . . . . . . . . . . . 12 13 Other payments or refundable credits: a Form 2439 . . . . . . . . . . . . . . . . . . . . . . 13a b Section 1341 credit for repayment of amounts included in income from earlier years . . . . . . . . . . . . . . . . . . . . . . . . 13b c Net elective payment election amount from Form 3800, Part III, line 6, column (j) 13c d Deferred amount of net 965 tax liability (see instructions) . . . . . . . 13d z Other refundable credits (see instructions): 13z 14 Total other payments or refundable credits. Add lines 13a through 13z . . . . . . . . . . 14 15 Add lines 9 through 12 and 14. Enter here and on Form 1040, 1040-SR, or 1040-NR, line 31 . . . 15 For Paperwork Reduction Act Notice, see your tax return instructions. Schedule 3 (Form 1040) 2025 Created 11/17/25 JAMES NANA GYAMFI 887-35-4619 1,425. 1,425. BAA REV 03/25/26 Intuit.cg.cfp.sp