b'WSFS BANK\nCredit Card Agreement\n(Also available online at www.wsfsbank.com/creditcards)\nPlease read all of this Agreement, including the Arbitration Provision (Section 11), and keep it for your records.\n1. INTRODUCTION. This WSFS Bank Credit Card Agreement and the enclosed document titled, \xe2\x80\x9cCredit Card Terms and\nConditions\xe2\x80\x9d (together, the \xe2\x80\x9cAgreement\xe2\x80\x9d) is your contract with us. This Agreement contains important information about\nyour Account, such as your annual percentage rates and certain fees. Any amendments to the Credit Card Terms and\nConditions, or to this WSFS Bank Credit Card Agreement will also be part of this Agreement. This Agreement is effective\nimmediately upon our issuance of a credit card to you upon approval of your application.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your WSFS Bank Credit Card Account governed by this Agreement.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you allow to use your Account, whether through the use of the Card we provide\nyou, the Card Account number, access checks or otherwise. \xe2\x80\x9cAuthorized User\xe2\x80\x9d also includes any person who, at your\nrequest, receives a Card bearing the name of such person and allowing access to your Account. We may limit the\nnumber of Authorized Users permitted on your Account.\n\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the period of time between each monthly statement. Each monthly statement relates to a single\nbilling cycle.\n\xe2\x80\x9cCard\xe2\x80\x9d means any initial or replacement credit card(s) that we issue to you or to any Authorized User(s). We may replace\nyour Card with another Card at any time. Before using your Card for the first time, sign the back of your Card.\n\xe2\x80\x9cNew Balance\xe2\x80\x9d means the total outstanding balance due as of the end of a Billing Cycle, as shown on the monthly\nstatement for that Billing Cycle.\n\xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean Wilmington Savings Fund Society, FSB (\xe2\x80\x9cWSFS Bank\xe2\x80\x9d), a bank and trust company\nheadquartered in Delaware, and its successors and assigns.\n\xe2\x80\x9cYou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d mean each and every person who applies for and is granted or accepts or uses an Account,\nand any person who has guaranteed payment of this Account, individually and together.\nA. Promise to Pay. You promise and agree to pay us for the amounts of all credit obtained on your Account resulting\nfrom transactions made by you, any Authorized User, and all persons you or any Authorized User allow to use your\nAccount. Credit includes all Purchases, Balance Transfers, and Cash Advances, as well as all interest charges,\nfees and any other charges owed under this Agreement.\nB. Account Use and Acceptance. By accepting your Card and using or maintaining your Account, or letting someone\nelse use your Card or your Account, you agree to all the terms of this Agreement. You acknowledge that you\nreceived a copy of this Agreement. Your signature on your application or solicitation for this Account, including\nwithout limitation any electronic signature, your Card or any Account-related document, or oral acceptance of a\ntelephone offer, represents your signature on this Agreement.\nYou may use your Account for lawful personal, family, or household purposes. You must not use your Account for\nbusiness or commercial purposes, or to make a payment on this or any other credit account owned by WSFS Bank\nor any bank affiliated with WSFS Bank.\nYou may not use or permit your Account to be used to make any illegal transaction. We will not be liable if you\nengage in an illegal transaction. We may deny authorization of any transactions identified as Internet gambling.\nYou may not use your Account to conduct transactions in any country or territory or with any individual or entity that\nis subject to economic sanctions administered and enforced by the U.S. Department of the Treasury\'s Office of\nForeign Assets Control. Use of your Account in this manner will be blocked.\n\n1\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cC. Amending This Agreement. We may amend this Agreement at any time and for any reason, by adding, deleting\nor changing any provisions of this Agreement, including interest rates or fees. We may change this Agreement\nbased on economic or market conditions, our business strategies or for any other reason, including, but not limited\nto, reasons unrelated to you or your Account. We will notify you of amendments to this Agreement as required by\napplicable law. If an amendment gives you the opportunity to reject a change, and if you reject the change in the\nmanner provided in such amendment, we may close your Account and may ask you to return all credit devices as\na condition of your rejection.\n2. GOVERNING LAW. This Agreement is entered into in the State of Delaware and we extend credit to you from the State\nof Delaware. The laws of the State of Delaware, without regard to conflict of laws principles, and applicable federal law\ngovern this Agreement.\n3. USING YOUR ACCOUNT.\nA. Credit Availability.\n1. Your Credit Limit(s). We have discretion to determine your credit limit(s) on your Account. We assign an initial\ncredit limit upon approval of your application and issuance of your Card, which is disclosed to you in the\nmaterials we send with your Card. On each monthly statement, the total credit limit on your Account is shown\nas the \xe2\x80\x9cCredit Limit\xe2\x80\x9d and the total credit available is shown as \xe2\x80\x9cAvailable Credit\xe2\x80\x9d. Only a portion of the credit\nlimit is available for Cash Advances (the \xe2\x80\x9cCash Advance Limit\xe2\x80\x9d). The amount of credit available for Cash\nAdvances is disclosed on each monthly statement as \xe2\x80\x9cAvailable Cash\xe2\x80\x9d. At our discretion, at any time, we may\nchange any credit limit that applies to your Account, as permitted by law. We will notify you if we change any\ncredit limit. You may ask us to change any of your credit limits by contacting us by telephone at the customer\nservice number located on the front of your monthly statement or writing to us at the address for Billing Inquiries\nand Correspondence located on the front of your monthly statement. We do not have to agree to any such\nrequest.\n2. Available Credit. The amounts shown on your monthly statement as Available Credit and Available Cash do\nnot include Purchases, Balance Transfers, Cash Advances, interest charges, minimum interest charges, fees,\nany other transactions, or credits which we receive and post to your Account after the Closing Date of that\nmonthly statement. As a result, the actual amount of Available Credit and Available Cash may be different from\nthe amount shown on your monthly statement. You may telephone us at the customer service number located\non the front of your monthly statement or write to us at the address for Billing Inquiries and Correspondence\nlocated on the front of your monthly statement for your available credit.\n3. Exceeding the Credit Limit. Your total outstanding balance, including all transactions that we have authorized\nbut have not yet posted to your Account, must not be more than your credit limit. Similarly, the total outstanding\nbalance of your Cash Advances, including all Cash Advance transactions that we have authorized but have not\nyet posted to your Account, must not be more than your Cash Advance Limit. Each time you attempt a\nPurchase, Balance Transfer or Cash Advance, which would result in your total outstanding balance and\nauthorized transactions exceeding a credit limit, we may either allow or refuse the transaction at our discretion.\nIf we allow the transaction, the amount by which your New Balance exceeds your Credit Limit will be added to\nthe Total Minimum Payment Due.\nIf we refuse the transaction, we may advise the person attempting the transaction of this fact. If we refuse to\npermit a Cash Advance or Balance Transfer, we may do so in any manner, such as by advising there are\ninsufficient funds to pay the Cash Advance or Balance Transfer, or that credit has been refused.\nB. Types of Transactions. You may use your Account to obtain credit for Purchases, Balance Transfers and Cash\nAdvances.\n1. Purchases. \xe2\x80\x9cPurchase\xe2\x80\x9d means the use of the Card, Account number, Mobile Device or other credit device to\nbuy or lease goods or services. A transaction that is defined as a Cash Advance is not a Purchase. If you use\nyour Card to purchase goods or services by telephone, mail, or internet, you agree that your signature is not\nnecessary as identification in such cases. Purchases include adjustments related to any Purchase.\n2. Cash Advances. \xe2\x80\x9cCash Advance\xe2\x80\x9d means (1) use of the Card, Account number, Mobile Device or other credit\ndevice to obtain cash from a financial institution or an automatic teller machine (\xe2\x80\x9cATM\xe2\x80\x9d); (2) use of the Card,\nAccount number, Mobile Device or other credit device to purchase a Cash Equivalent. A \xe2\x80\x9cCash Equivalent\xe2\x80\x9d\n\n2\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cincludes traveler\xe2\x80\x99s checks, savings bonds, foreign currency, money orders, wire transfers, lottery tickets, gift\ncards, purchases or reloading prepaid cards, gaming chips and other lawful methods used for gambling\ntransactions; or (3) use of an access check you sign as drawer. An \xe2\x80\x9caccess check\xe2\x80\x9d means a check we send to\nyou that can be used to obtain credit on your Account. Access checks will have an expiration date. An access\ncheck may not be used after its stated expiration date. We will not honor an access check that posts after the\nexpiration date. We may decline an access check that posts prior to its expiration date if we suspect the access\ncheck to be fraudulent, if your Account is not in good standing or has insufficient applicable credit available at\nthe time the access check is presented for payment, or if the access check is damaged or unable to be\nprocessed. Cash Advances include adjustments related to any such Cash Advance.\n3. Balance Transfers. \xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a transfer at your request of a balance to your Account from\nanother credit card account with a third party (other than us or any of our affiliates) using a written or online\nbalance transfer form we provide, or by a verbal request you make to us for such transfer. Balance Transfers\ninclude adjustments related to any Balance Transfer. A transaction that is defined as a Cash Advance is not a\nBalance Transfer. We may limit the number and types of credit card accounts from which we will allow Balance\nTransfers, and the times, manner, and circumstances in which Balance Transfers may be requested. The\nminimum Balance Transfer amount that we will process is $250 (plus the Balance Transfer Transaction Fee).\nSee the Credit Card Terms and Conditions for Balance Transfer Transaction Fee details.\n4. Mobile Devices. Any Purchases or other transactions made using a smart phone, tablet or other electronic\ndevice on which your Account number and/or other Account information has been stored or downloaded\n(\xe2\x80\x9cMobile Devices\xe2\x80\x9d) are covered by the terms of this Agreement. Applications that use your Account information\nto make transactions may have separate terms of use. We are not responsible if you violate those terms, or for\nany consequences resulting from any violation of those terms.\n5. Access Checks. You may not issue a postdated access check on your Account. If you do, we may, at our\ndiscretion, either honor it upon presentment to us for payment, or return it unpaid to the person that presented\nit to us for payment, without waiting for the date shown on the access check. We are not liable to you for any\nloss or expense as a result of either action. If you want us to stop payment on an access check, telephone us\nat the customer service number located on the front of your monthly statement or write to us at the address for\nBilling Inquiries and Correspondence located on the front of your monthly statement. Give us the access check\nnumber, dollar amount and payee exactly as they appear on the access check. We will not be liable to you if\nwe cannot complete the stop payment request.\n6. Foreign Transactions. If you make a transaction in a foreign currency (including for example purchasing online\nfrom a foreign merchant), the transaction amount will be converted to a U.S. dollar amount by Visa International\nin accordance with Visa\xe2\x80\x99s operating regulations or conversion procedures in effect at the time the transaction\nis processed. Currently, those regulations and procedures provide that the currency conversion rate to be used\nis either the government mandated exchange rate or the wholesale exchange rate, in effect one day before the\ndate of the conversion, as applicable. The currency conversion rate used by Visa International on the currency\nconversion date may differ from the conversion rate in effect on the transaction date or posting date of the\ntransaction. Visa International\xe2\x80\x99s procedures may change without notice.\n7. Recurring Authorized Transactions. Recurring authorized transactions are automatic charges to your\nAccount that you establish with a merchant and authorize to occur on a regular basis, usually monthly. You\nmust contact the merchant to stop a recurring charge. If we send you a new Card or Account number, for\nexample, because your prior Card expired or was lost or stolen, it is your sole responsibility to provide\nmerchants with updated Card or Account number information. We are not liable for any fees or other charges\nyou incur because a recurring transaction did not transfer to a new Card or a new Account number. Some\nmerchants are able to automatically access your new Card or Account number, in which case recurring\ntransactions will continue.\nC. Refusal To Honor Your Account. We have discretion to refuse to honor any transaction presented on your\nAccount for any reason or no reason. A merchant, business or financial institution may refuse to honor any\ntransaction presented on your Account. These include transactions made by Card, Account number, access check,\nMobile Device, and any other credit device. We are not liable for any refusal to honor your Account. We are not\nliable for retention of the Card by us, a financial institution, or any provider of goods or services.\nD. Statements.\n1. General. At the end of each monthly Billing Cycle, if there was activity on your Account, we will send you a\nstatement showing what you owe, the minimum payment due, the Payment Due Date, your current credit limit,\n\n3\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0can itemized list of fees, charges, payments and credits posted to your Account during the Billing Cycle and\nother important information. We will mail or deliver the monthly statement to the address we have on file for\nyour Account. However, we reserve the right to change your Account Billing address if the U.S. Postal Service\nnotifies us that your address has changed.\n2. Change of Address. You must notify us promptly of any change in your address by contacting us at the\ncustomer service number located on the front of your monthly statement or write to us at the address for Billing\nInquiries and Correspondence located on the front of your monthly statement. Until we receive, process and\nverify your new address, we may continue to send monthly statements and other notices to the last address we\nhave on file for your Account.\nE. Credit Balance. We will make a good faith effort to return to you any credit balance that has been on your Account\nlonger than six consecutive Billing Cycles (or, at our discretion, for a shorter time period). You may also request a\nrefund of a credit balance on your Account at any time. We may reduce the amount of any credit balance on your\nAccount by applying the credit balance towards new fees and charges posted to your Account. We do not pay any\ninterest on credit balances.\nF. Payments.\n1. General. You must pay each month at least the Total Minimum Payment Due by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d noted\non each monthly statement on your Account. You may pay us more than the Total Minimum Payment Due, up\nto and including the total outstanding balance on your Account, at any time. However, any payments made in\na current Billing Cycle will not count toward any Total Minimum Payment Due in the following Billing Cycle(s).\nMerchant credits or person-to-person money transfers or other credits to your Account are not treated as\npayments and will not reduce your Total Minimum Payment Due. We have discretion to accept or reject any\npayment(s) made on your Account when there is a current credit balance (i.e., you do not owe any amount on\nyour Account and prior payments or credits have resulted in a credit balance on your Account).\nWe can accept partial or late payments without losing any of our rights under this Agreement. If you submit\nany payment marked as \xe2\x80\x9cpaid in full\xe2\x80\x9d or with other restrictive writing that is less than the total outstanding\nbalance on your Account, we can credit that payment to your Account and you will remain fully liable for any\nremaining total outstanding balance above the amount of your payment. No payment shall operate as an\naccord and satisfaction without the prior written approval of an officer of WSFS authorized to provide such\napprovals.\nYou may not use a postdated check to make a payment. If you do try to use a postdated check to make a\npayment, we do not have to wait for the date shown on the check and can either honor it upon presentment, or\nreturn it uncredited to the person who presented the check. We are not liable to anyone for any loss or expense\narising from the action(s) we take with respect to such postdated check.\n2. Total Minimum Payment Due. The Total Minimum Payment Due each Billing Cycle is:\na. the greater of $25 (or the entire amount due, if less than $25) or 2% of the New Balance; plus\nb. the amount by which the New Balance exceeds the Credit Limit; plus\nc. all past due amounts.\nThe Total Minimum Payment Due will be rounded up to the nearest whole dollar, unless New Balance exceeds\nthe Credit Limit, but will not be greater than your New Balance.\n3. Payment Allocation. We allocate payments at our discretion as permitted by applicable law. The amount of\nyour payment equal to the Total Minimum Payment Due will be allocated first to unpaid Transaction Fees,\nAccount Fees, and Minimum Interest Charges, then to unpaid interest charges, then to the balance with the\nlowest APR and then to balances with higher APRs. Payment amounts in excess of your Total Minimum\nPayment Due will be applied to balances with higher APRs before balances with lower APRs and any remaining\nportion to the other balances in descending order based on the applicable annual percentage rate. .\n4. Making Payments. Payments may be made by mail, online, at a WSFS Bank branch, or over the telephone.\nAll payments must be in U.S. dollars and, if applicable, drawn on a U.S. bank. \xe2\x80\x9cBusiness Day\xe2\x80\x9d is defined as\nMonday through Friday, excluding federal holidays.\na. By Mail. Mailed payments received by 5 p.m. local time at the location specified on the front of the monthly\nstatement after the phrase, \xe2\x80\x9cMail Your Payments To\xe2\x80\x9d will be credited as of the date of receipt if: a single\n\n4\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0ccheck or money order, not cash, is in the envelope we provide, with the monthly statement payment stub;\nthe check or money order is in U.S. dollars and is issued by a financial institution in the United States; and,\nyou follow the additional payment instructions provided on or with the monthly statement. Payments\nreceived after 5 pm local time but that otherwise meet these requirements will be credited as of the next\nBusiness Day.\nb. Online. Payments may be made online using the WSFS online banking tool available on our website.\nThese online payments will be credited as of the date received if we receive it by 5 p.m. Eastern Time and\nthe payment is in U.S. dollars, drawn on a U.S. financial institution. Payments received after 5 p.m. but that\notherwise meet these requirements will be credited as of the next Business Day.\nc. At WSFS Bank branches. Payments made by the close of business at a WSFS branch to one of our\nemployees will be credited as of the date payment is received.\nd. By Telephone. Payments may be made by calling us at the customer service number located on the front\nof your monthly statement or by visiting the website specified on the front of your monthly statement. These\npayments will be credited as of the date received if we receive it by 5 p.m. Eastern Time and the payment\nis in U.S. dollars, drawn on a U.S. financial institution. Payments received after 5 p.m. Eastern Time but\nthat otherwise meet these requirements will be credited as of the next Business Day.\ne. Delay in Crediting and Available Credit. We may reject or delay crediting payments that do not follow the\ninstructions above. For example, there may be a delay of up to five (5) days in crediting a payment by mail\nif it is received at an address other than the address we specify for payments on your monthly statement or\nif it is received without the required payment stub. Your available credit limit(s) may not reflect the payment\nfor up to 15 days after we have credited a payment to your Account.\n5. Electronic Check Conversion. Each time you send a check as payment, you authorize us either to use\ninformation from your check to make a one-time electronic funds transfer from the account on which the check\nis drawn or (at our option) to process the payment as a check transaction. Funds may be withdrawn from your\nbank account as early as the date your check is received and you will not receive your check back from your\nfinancial institution. If we cannot process the electronic fund transfer, or if it is returned to us, you authorize us\nto reinitiate the electronic fund transfer from your bank account. Alternatively, we may (at our option) present\nthe original check, a substitute check, draft or similar negotiable instrument to obtain payment. If you have\nquestions about electronic check conversion, you may telephone us at the customer service number located\non the front of your monthly statement, or write to us at the address for Billing Inquiries and Correspondence\nlocated on the front of your monthly statement.\nG. Additional Cards and Authorized Users.\n1. Unauthorized Use of Your Account. If any Card, Account number, access check, or credit device is lost or\nstolen, or if you think someone used or may use them without your permission, including use on a Mobile\nDevice, you must notify us immediately by calling the customer service number located on the front of your\nmonthly statement.\n2. Your Liability for Persons Using Your Account. You are liable for: (1) any transactions made by you or an\nAuthorized User on your Account; (2) any transactions made by all persons you or any Authorized User allow\nto use your Account by providing access to any of the Card(s), Account number, access check, any other credit\ndevice, or any other information that would enable a person to conduct transactions that result in any charges\nto your Account for Purchases, Cash Advances or Balance Transfers; and, (3) any interest charges, fees and\nany other charges on your Account resulting from such use. These transactions are subject to all terms of this\nAgreement.\nYou are liable for all of these transactions including, but not limited to, transactions for which you may not have\nintended to be liable, transactions which cause your total outstanding balance to exceed the credit limit, and\ntransactions that post after you asked us to remove the Authorized User. Your Account does not permit you to\nlimit the nature or amount of authority you allow a person with access to your Account, and you may not attempt\nto do so.\n3. Authorized User. You are responsible for: (1) obtaining permission from each Authorized User before\nrequesting that we add that person as an Authorized User on your Account; (2) providing each Authorized User\nwith a copy of this Agreement and any other Account material we send; and, (3) notifying us to remove an\nAuthorized User and retrieving the Card, any access checks and other credit devices from the Authorized User.\n\n5\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cWe have discretion to remove an Authorized User from your Account at any time for any reason as permitted\nby applicable law. You will remain liable for any transaction(s) the Authorized User makes to your Account. If\nwe remove an Authorized User we will close your Account and issue you a new Card.\nYou agree that an Authorized User can have access to limited Account information, including Account balance,\nthe Total Minimum Payment Due on your Account, and the amount of the last payment. An Authorized User\ncannot add other Authorized Users. Notice to you will be considered notice to you and all Authorized Users.\nWe may report information about your Account to credit reporting agencies in the Authorized User\xe2\x80\x99s name that\nmay appear on their credit report. Authorized Users can make payments on your Account.\nH. Lost or Stolen Cards, Account Numbers or Access Checks. If any Card, Account number or access check is\nlost or stolen, or if you think someone used or may use any of them without your permission, notify us AT ONCE by\ncalling the customer service number located on the front of your monthly statement. You agree that we may close\nyour Account to new transactions, change your Account number(s) and issue you a new Card(s) with different\nAccount number(s) if we have been notified of the possible loss, theft or unauthorized use. If we do this, you must\nnotify anyone you have authorized to submit and post charges to your Account of your new Account number(s). Do\nnot use your Card or Account number after you notify us, even if your Card is later found or returned.\nUnder VISA U.S.A. Inc.\xe2\x80\x99s \xe2\x80\x9cZero Liability Policy\xe2\x80\x9d you may not be liable for the unauthorized use of your Account or\nCard that results in a fraudulent transaction made over the VISA network. To be eligible, you must notify us\nimmediately of any unauthorized use of your Account or Card. We will provisionally credit you for losses from the\nunauthorized Card use within five Business Days of your notification to us of the loss. The VISA Zero Liability Policy\ndoes not apply to transactions made at an ATM or to any transactions made using your PIN that are not processed\nby VISA. We may impose greater liability, or withhold, delay, limit or rescind any provisional credit that we provide\nto you under the Zero Liability Policy, based on factors such as your gross negligence or fraud, your delay in\nreporting unauthorized use, our investigation and verification of your claim, your Account standing and history and\nother factors. If you are not eligible for the VISA Zero Liability Policy or it otherwise does not apply, you may be\nliable for unauthorized use of your Account, but not for more than $50. You will not be liable for any unauthorized\nuse of your Account that occurs after you notify us of the loss, theft or possible unauthorized use of your Card or\nAccount number. We may require you to provide certain information in writing to help us find out what happened.\nYou also must identify for us any charges on your monthly statement that were not made by you or someone\nauthorized by you and from which you received no benefit.\n4. INTEREST CHARGES.\nA. Interest Rates - Annual Percentage Rates (APRs). Annual Percentage Rate or \xe2\x80\x9cAPR\xe2\x80\x9d is a rate, shown as a\npercentage, used to calculate interest charges on your Account. We may use different APRs for different\ntransactions and for promotional rate offers. We use a monthly periodic rate, with a corresponding APR, to calculate\ninterest charges on your Account. To get the monthly periodic rate we divide the APR by 12. You can find your\nAPRs and monthly periodic rates for Purchases, Balance Transfers and Cash Advances listed in the Credit Card\nTerms and Conditions document included as part of this Agreement. The APRs for Purchases and Balance\nTransfers vary with the market, based on the U.S. Prime Rate, and are variable.\nB. Variable APRs. We calculate variable APRs by adding a percentage, called a \xe2\x80\x9cMargin\xe2\x80\x9d, to an index, which is the\nhighest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal on the last publication\nday in each of your Billing Cycles. The variable APR will increase or decrease each Billing Cycle if the Prime Rate\nchanges. Any change in the variable APR will take effect beginning on the first day of your next Billing Cycle. This\nnew variable APR will apply to existing balances and new transactions that have a variable APR. If the variable\nAPR increases, you will pay a higher interest charge and may pay a higher Total Minimum Payment Due. If The\nWall Street Journal stops publishing the U.S. Prime Rate, we may, in our discretion, substitute another index.\nYou can find the Margin used for your Purchase APR and for your Balance Transfer APR, and the current U.S.\nPrime Rate in the Credit Card Terms and Conditions document included as part of this Agreement. Each statement\nclosing date is the last day of that Billing Cycle. A Billing Cycle begins on the first day following the closing date on\nyour last monthly statement, and ends on the statement closing date. Each monthly statement shows one Billing\nCycle.\nC. Introductory and Promotional Rates and Fees. A \xe2\x80\x9cPromotional Rate\xe2\x80\x9d is an APR applicable to certain qualifying\nnew transactions for a specified period of time. An \xe2\x80\x9cIntroductory Rate\xe2\x80\x9d is a Promotional Rate that may be offered\nin connection with opening your Account. A \xe2\x80\x9cPromotional Fee\xe2\x80\x9d is a transaction fee applicable to certain qualifying\nnew transactions for a specified period of time. An \xe2\x80\x9cIntroductory Fee\xe2\x80\x9d is a promotional fee that may be offered in\nconnection with opening your Account. We may offer Promotional Rates and Promotional Fees on certain specified\n\n6\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0ctransactions on your Account from time to time. You can find the Introductory or Promotional APR, as applicable,\nin the Credit Card Terms and Conditions document included as part of this Agreement.\nD. Paying Interest. Your Payment Due Date is at least 25 days after the close of each Billing Cycle. We will not\ncharge you any interest on Purchases or Balance Transfers if you pay your entire New Balance by the Payment\nDue Date each month. If you do not use your Account for Cash Advances, you will not pay interest on Purchases\nif you pay the Total Minimum Payment Due and the total outstanding Purchase balance by the Payment Due Date\neach month. If you do not use your Account for Cash Advances, you will not pay interest on Balance Transfers if\nyou pay the Total Minimum Payment Due and the total outstanding Balance Transfer balance by the Payment Due\nDate each month.\nWe will begin charging interest on each Cash Advance on the transaction date of such Cash Advance. The\ntransaction date for access checks is the date such check is first deposited or cashed. There is no time period in\nwhich you may repay a Cash Advance and avoid the imposition of interest charges.\nWe will begin charging interest on any unpaid balance of purchase transactions the next business day after the due\ndate each month.\nE. Calculating Interest Charges. We calculate interest charges for a Billing Cycle by multiplying the Balance Subject\nto Interest Rate for each category of transactions by its applicable monthly periodic rate. The total interest charged\nfor a Billing Cycle is the sum of the interest charged for each Balance Subject to Interest Rate.\nF. Balances Subject to Interest Rates-- (Average Daily Balance Method (Excluding Current Purchases and\nBalance Transfers)). We calculate Balances Subject to Interest Rate separately for Purchases, Balance Transfers,\nand for each Introductory or Promotional Rate on Purchases and Balance Transfers. To get the average daily\nbalance we take the beginning balance of your Account each day and subtract any payments, credits, and any\nunpaid interest charges, Minimum Interest Charges, Transaction Fees and Account fees. We do not add new\nPurchases or Balance Transfers. If any day\xe2\x80\x99s daily balance is a credit balance we will treat it as a balance equal to\n$0.00. This gives us the daily balance. Then we add up all the daily balances for the Billing Cycle and divide the\ntotal by the number of days in the Billing Cycle.\nG. Average Daily Balance Method (Including Current Cash Advances). We calculate Balances Subject to Interest\nRate for Cash Advances as follows: To get the average daily balance we take the beginning balance of your Account\neach day, add new Cash Advances and subtract any payments, credits, and any unpaid interest charges, Minimum\nInterest Charges, Transaction Fees, and Account fees. If any day\xe2\x80\x99s daily balance is a credit balance we will treat it\nas a balance equal to $0.00. Then we add up all the daily balances for the Billing Cycle, and divide the total by the\nnumber of days in the Billing Cycle.\nH. Minimum Interest Charge. If the total interest charges on your Account for a Billing Cycle are less than $2.00, then\na \xe2\x80\x9cMinimum Interest Charge\xe2\x80\x9d of $2.00 will be assessed on your Account. The Minimum Interest Charge is in lieu of\nthe interest charges calculated using the monthly periodic rate in that Billing Cycle.\nI.\n\nNOTICE TO MILITARY LENDING ACT COVERED BORROWERS - Statement of MAPR: Federal law provides\nimportant protections to members of the Armed Forces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d) relating to\nextensions of consumer credit. In general, the cost of consumer credit to a Covered Borrower may not exceed an\nAnnual Percentage Rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\n(1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the\ncredit transaction; (3) any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and (4) any participation fee charged (other than certain participation fees for a credit\ncard account). Oral Disclosures. Before signing this Agreement, in order to hear important disclosures and\npayment information about this Agreement, please contact us at 1-877-332-3305 for information and disclosures\non protections offered to you under the Military Lending Act.\n\n5. FEES. You agree to pay the fees described below whenever applicable.\nA. Annual Fee. If your Account has an \xe2\x80\x9cAnnual Fee\xe2\x80\x9d, it will be billed each year, whether or not you use your Account.\nIf applicable, the amount is listed in the Credit Card Terms and Conditions. Your payment of the Annual Fee does\nnot affect our right to close your Account or limit your right to make transactions on your Account.\nB. Cash Advance (including Cash Equivalents) and Balance Transfer Transaction Fees\n\n7\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0c1. Cash Advance and Balance Transfer Transaction Fees. We will charge you a transaction fee for each Cash\nAdvance (which includes Cash Equivalents) or Balance Transfer equal to the greater of $10 or 3% of the amount\nof the Cash Advance or Balance Transfer.\n2. Foreign Transaction Fee. We will charge you a transaction fee for each Foreign Transaction equal to 3% of\nthe U.S. dollar amount of the Foreign Transaction. A \xe2\x80\x9cForeign Transaction\xe2\x80\x9d is a transaction made in a foreign\ncurrency, or made outside the United States or made with a foreign merchant, such as on a merchant\xe2\x80\x99s website\n(in either U.S. dollars or a foreign currency).\nC. Late Payment Fee. We will charge you a Late Payment Fee if we do not receive at least your Total Minimum\nPayment Due on or before its Payment Due Date. The Late Payment Fee is $27 for the first occurrence and $35\nfor any additional occurrence(s) during the next six Billing Cycles; provided, however, that the Late Payment Fee\nwill not exceed the Total Minimum Payment Due immediately prior to assessment of the fee.\nD. Returned Payment Fee. We will charge you a Returned Payment Fee if a payment on your Account is returned\nfor any reason. The Returned Payment Fee is $27 for the first occurrence and $35 for any additional occurrence(s)\nduring the next six Billing Cycles; provided, however, that the Returned Payment Fee will not exceed the Total\nMinimum Payment Due immediately prior to assessment of the fee, and will not exceed the amount of the payment\nbeing returned.\nE. Other fees.\n1. Emergency Replacement Card Fee. If you request a replacement Card on an expedited basis (for example,\nto replace a lost or stolen Card), we may charge you an emergency replacement card fee of up to $25.\n2. Stop Payment Fee. If you ask us to stop payment on an access check, we may charge you a Stop Payment\nFee of $35.\n6. DEFAULT.\nA. Actions that Trigger Default. You will be in default of this Agreement if:\n1. you do not make any required Total Minimum Payment Due by the stated Payment Due Date;\n2. the total outstanding balance on your Account is in excess of your credit limit;\n3. you violate any other term of this Agreement;\n4. you submit a payment that is returned for insufficient funds or any other reason;\n5. you voluntarily file for any form of bankruptcy;\n6. an involuntary bankruptcy action is filed against you;\n7. you provide any false or misleading information to us at any time in any form, including written, verbal, or\nelectronic;\n8. you neglect to provide information in response to any request we make;\n9. a court enters an order declaring you to be either temporarily or permanently mentally incapacitated or\nincompetent; or\n10. you are deceased.\nB. Our Rights If You Default. If you default under this Agreement, we may take any and all actions permitted by law\nincluding, but not limited to, requiring you immediately to pay the total outstanding balance on your Account,\nsuspending your Account until such time as the total outstanding balance has been paid, permanently closing your\nAccount, and any other actions provided in this Agreement.\nC. Collection Costs. You agree to pay us for all collection costs incurred if we refer your Account for collection to any\nexternal attorney, collection agency, person or entity that is not our salaried employee. Such collection costs include\nall fees permitted by applicable law including, but not limited to, attorneys\xe2\x80\x99 fees, court costs, and collection agency\nfees.\n7. CLOSING OR SUSPENDING YOUR ACCOUNT.\nA. Our Right to Close or Suspend Your Account. We may close or suspend your Account at any time, unless\nexpressly prohibited by applicable law. We may do this in our discretion, for any reason or for no reason, and\nwithout prior notice. The closure or suspension of your Account does not relieve you of any responsibilities set forth\nin this Agreement. Upon the closing or suspension of your Account, you remain fully liable for the total outstanding\n\n8\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cbalance on your Account, including all transactions, fees, and interest that accrued prior to closure or suspension\nand any that continue to accrue after your Account has been closed or suspended.\nB. Your Right to Close your Account. You may close your Account at any time by calling us at the customer service\nnumber located on the front of your monthly statement or writing to us at the address for Billing Inquiries and\nCorrespondence located on the front of your monthly statement. Closing your Account does not relieve you of any\nresponsibilities set forth in this Agreement. Specifically, you remain liable for the total outstanding balance on your\nAccount, including all transactions, interest, and fees that have accrued on your Account and any that continue to\naccrue after your Account has been closed.\nC. Account Cannot Be Used After Closed. Once your Account has been closed by us or closed at your request,\nneither you, any Authorized User(s), or any person(s) you or any Authorized User allow to use your Account is\nallowed to use your Account for any transaction. Upon closing of your Account, you must: (1) destroy all Cards and\naccess checks and any other credit devices on your Account over which you have possession or the ability to\naccess; (2) cause all Authorized Users to destroy any Cards, access checks and any other credit devices on your\nAccount in their possession, and inform them that they must not attempt or make any further transactions on your\nAccount; (3) advise all persons you or any Authorized User allow to use your Account, that they must not make or\nattempt or make any further transactions on your Account; and (4) advise all third parties to whom you have given\npermission to make recurring charges on your Account that your Account is closed and they cannot make any future\ncharges to your Account.\nYou bear sole liability for any legal, financial, or other consequences that may occur after your Account is closed,\nincluding the failure to have a recurring charge paid in a timely manner. We are not liable in any way for any legal,\nfinancial or other consequences that may occur as the result of closing your Account.\n8. COMMUNICATIONS WITH YOU.\nA. How We Communicate With You. You agree that we, any of our affiliates, and our successors and assigns and\nany of their or our agents or service providers, (the "Calling Parties") may call you, leave a voicemail for you,\ndeliver a prerecorded or artificial voice message or send you a text, e-mail or other electronic communication at\nany telephone number or e-mail address you provide (or have provided or will provide) to any of the Calling\nParties, or send you a message by physical delivery to any address you provide to us (each, a "Communication").\nYou also agree that such Communications may be placed for any non-marketing purpose related to this\nAgreement or any other contract or agreement you have (or have had or will have) with us. Communications may\nbe played by a machine automatically when the telephone is answered, whether answered by you or someone\nelse. You understand that these Communications may also be recorded by your voicemail system. You\nunderstand that, when you receive such Communications, you may incur a charge from the company that\nprovides you with telecommunications, wireless and/or internet services, and that you will be solely responsible\nfor such charges. You agree that the Calling Parties will not be liable to you for any fees, inconvenience,\nannoyance or loss of privacy in connection with any Communication. You further understand that anyone with\naccess to your telephone or e-mail account may listen to or read the messages, notwithstanding the Calling\nParties\xe2\x80\x99 efforts to communicate only with you. If any telephone number you have provided to the Calling Parties\nchanges, or if you cease to be the owner, subscriber or primary user of any such telephone number, you agree to\nimmediately give any of the Calling Parties notice of such facts so that the Calling Parties may update their\nrecords. You understand and agree that, subject to applicable law, the Calling Parties may monitor and/or record\nany and all of your telephone conversations with any of their representatives for training, quality control,\nevidentiary, and any other purposes. However, the Calling Parties are not under any obligation to monitor, record,\nretain, or reproduce such recordings, unless required by applicable law.\nB. Notices Concerning Your Account. You agree that we may send any and all required notices concerning your\nAccount to the physical address provided to us as your billing address. In addition, if you agree to email notifications,\nthen we may send any and all required notices to any email address you provide to us. Any notices we send to\nyou, to your email or billing address, will be deemed sent upon mailing.\n9. INFORMATION SHARING.\nA. Information We Collect and Share. You authorize us to collect information about you as permitted by applicable\nlaw. We collect information from credit reporting agencies and other third parties that have financial information\nabout you. You authorize us to share your Account information about you and any Authorized User(s) with our\naffiliates and third parties including credit reporting agencies. Please see our Privacy Policy, which is enclosed with\nyour Account opening material. It describes the reasons WSFS can share its customers\xe2\x80\x99 personal information.\n\n9\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cB. How to Dispute Reports Regarding Your Account. If you think the information we furnished to consumer\nreporting agencies about you or your Account is not accurate or complete, please write to us at: P.O. BOX 30495\nTampa, FL 33630. With your letter, please provide us with:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYour name, address and telephone number;\nThe Account number(s) for the Account(s) you are disputing;\nA description of the specific information you are disputing and an explanation of the basis for your dispute;\nand\nCopies of documents that support your dispute. These could include (but are not limited to): a copy of your\nconsumer report showing the information that you are disputing, your monthly statements, a court order or\n(if applicable) a copy of a police report or fraud or identity theft affidavit.\n\nIf you fail to provide us with the information listed above, we may be unable to investigate your dispute. We will\nnotify you of the results of our investigation within 30 days of receiving your dispute. A delay may be experienced\nif the dispute is not mailed to the address above. We may take up to 45 days to investigate your dispute if, after\nproviding us with your initial notice of dispute, you provide us with additional information that is relevant to our\ninvestigation. If our investigation finds that the information you are disputing was inaccurate, we will notify each\nconsumer reporting agency(ies) to which we provided the inaccurate information of our determination and provide\nthe consumer reporting agency(ies) with the information necessary to correct the inaccuracy.\nWe will have no duty to investigate disputes that are substantially similar to a prior dispute that we have responded\nto, or that relate to your identifying information (such as your name, date of birth, Social Security number, telephone\nnumber(s) or address(es)), inquiries or requests appearing on your consumer report, information from public records\n(such as judgments, liens, or bankruptcies, unless these matters relate to your Account(s) with us), information\nrelated to fraud or active duty alerts on your report, or information provided to the consumer reporting agency from\nsomeone other than us. We will also have no duty to investigate your dispute if we reasonably believe it was\nsubmitted or prepared by (or submitted on a form supplied to you by) a credit repair organization. If we determine\nthat we will not investigate your dispute for one of these (or some other) reason(s) we will notify you of that\ndetermination within five Business Days.\n10. Miscellaneous.\nA. Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined in\nbenefits brochures or other documents and internet web sites. For example, certain eligible purchases charged with\na VISA\xc2\xae Card may be eligible for certain benefits or services through VISA U.S.A. Inc. (or its affiliates). Any benefits\nor services we make available through third parties (including without limitation VISA U.S.A. Inc.) are not a part of\nthis Agreement, but are subject to the terms and restrictions outlined in the applicable benefits brochures or other\ndocuments or internet web sites provided or made available to you from time to time. You agree that we may give\ninformation about you, any Authorized User, and your Account, to any third party reasonably needing the information\nto provide you with such benefits or services. You also agree that we or any third party providing any Accountrelated benefits or services may change, add, or delete benefits or services at any time without notice to you.\nB. Enforcing this Agreement; Severability. We may delay or waive enforcing any of our rights or exercising any of\nour remedies under this Agreement or under applicable law without losing any of those rights or remedies. Even if\nwe do not enforce our rights or exercise our remedies at any one time, we may enforce or exercise them at a later\ntime. If any provision of this Agreement is found to be invalid or unenforceable, it shall not affect or impair the\nvalidity and enforceability of all remaining provisions of this Agreement.\nC. Headings. We use headings in this Agreement (e.g., Account Use and Acceptance) for convenience and\norganization. They are for reference purposes only and do not impact the meaning of the provisions.\nD. Assignment; Sale of Account. We may at any time, and without notice to you, sell, assign or transfer your Account,\nany amounts due on your Account, this Agreement, or our rights or obligations under your Account or this\nAgreement to any person or entity. The person or entity to whom we make any such sale, assignment or transfer\nshall be entitled to all of our rights and shall assume our obligations under this Agreement, to the extent sold,\nassigned or transferred. You may not sell, assign or transfer your Account or any of your obligations under this\nAgreement.\nE. No Security. Your Account is unsecured. We are not taking a security interest in any property in connection with\nyour Account.\n\n10\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cF. Evidence. You agree that we may use a copy, microfilm, microfiche or digital image of any monthly statement or\nother document to prove what you owe us and that the copy, microfilm, microfiche or digital image will have the\nsame validity as the original.\nG. Entire Agreement. The Agreement is the entire agreement between you and us relating to your Account. The\nAgreement replaces any other agreement relating to your Account that you and we made earlier or at the same\ntime. In the event of a conflict between this Credit Card Agreement and any other document (including the other\ndocuments that are collectively called the Agreement), this Credit Card Agreement will control unless otherwise\nexpressly provided in the other document.\nH. Cardholder: Your name, address and signature (including any electronic or digital signature) and the date on any\napplication or solicitation or on any sales slip or other evidence of indebtedness on your Account represents your\nname, address and signature and the date on this Agreement.\n11. Arbitration Provision.\nTHIS ARBITRATION PROVISION DOES NOT APPLY TO SERVICE MEMBERS AND THEIR DEPENDENTS WHO\nARE ENTITLED TO PROTECTION UNDER THE MILITARY LENDING ACT (10 U.S.C. \xc2\xa7 987). IF YOU WOULD LIKE\nMORE INFORMATION ABOUT WHETHER YOU ARE ENTITLED TO PROTECTION UNDER THE MILITARY\nLENDING ACT AND WHETHER THIS ARBITRATION PROVISION APPLIES TO YOU, PLEASE CONTACT US AT\n1-888-WSFS-Bank.\nPLEASE READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION\nPROVISION IN ACCORDANCE WITH SUBPARAGRAPH A., BELOW, IT WILL REMAIN PART OF THIS\nAGREEMENT AND HAVE A SUBSTANTIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM\nTHAT YOU OR WE HAVE AGAINST EACH OTHER, NOW OR IN THE FUTURE. FOR EXAMPLE, IF YOU DO\nNOT REJECT THIS ARBITRATION PROVISION, WE CAN REQUIRE INDIVIDUAL ARBITRATION OF LEGAL\nDISPUTES BETWEEN YOU AND US REGARDING THE ACCOUNT, AS SET FORTH BELOW, AND YOU WILL\nNOT HAVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION OR SIMILAR PROCEEDING IN\nCOURT OR IN ARBITRATION.\nA. Your Right to Reject: If you do not want this Arbitration Provision to apply, you may reject it by sending us a\nwritten rejection notice which gives your name(s) and Account number(s) and contains a statement that you (both or\nall of you, if more than one) reject the Arbitration Provision in the agreement governing your Account(s). The rejection\nnotice must be sent to us by certified mail, return receipt requested, to WSFS Bank, Marketing Department, 500\nDelaware Avenue, Wilmington, DE 19801, Attn: Arbitration Rejection. Upon receipt of a rejection notice, we will credit\nyour Account for the standard cost of a certified letter. A rejection notice is only effective if it is signed by you (both or\nall of you, if more than one) and if we receive it within thirty (30) days after the day (i) you open your Account or (ii)\nyou become a WSFS Bank customer (such as when you become a WSFS Bank customer through a branch purchase\nor merger of your prior bank into WSFS Bank).\nB. Parties Subject to Arbitration; Certain Definitions: Solely as used in this Arbitration Provision: (1) the terms\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d include: (i) Wilmington Savings Fund Society, FSB (\xe2\x80\x9cWSFS Bank\xe2\x80\x9d); its parents, subsidiaries and\naffiliates; their successors; and the employees, officers, directors and controlling persons of all such companies and\nbanks (the \xe2\x80\x9cBank Parties\xe2\x80\x9d); and (ii) any other person or company who provides any services in connection with the\nAccount if you assert a Claim against such other person or company in connection with a Claim you assert against\nany Bank Party; and (2) the terms \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d include: (i) each Account holder and Authorized User, and each of\ntheir heirs, successors, representatives and beneficiaries; and (3) the term \xe2\x80\x9cAccount\xe2\x80\x9d includes the Account\nestablished by this Agreement and any updated or substitute Account for the same Account holders.\nC. Covered Claims: Solely as used in this Arbitration Provision: \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy\nbetween you and us that in any way arises from or relates to this Agreement, your Account, any other Account\ndisclosures, any prior Agreement or account, any Card, any Account transaction or attempted transaction, and any of\nthe advertising, disclosures, practices, procedures and agreements related to the foregoing. \xe2\x80\x9cClaim\xe2\x80\x9d includes disputes\narising from actions or omissions prior to the date of this Agreement (or prior to the time this Arbitration Provision\nbecomes part of this Agreement). \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest reasonable meaning, and includes initial claims,\ncounterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights,\nfraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any\nclaim for injunctive or declaratory relief). However, it does not include any dispute about the validity,\nenforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without\nlimitation, subparagraph G., captioned \xe2\x80\x9cProhibition Against Certain Proceedings\xe2\x80\x9d (the \xe2\x80\x9cClass Action\nWaiver\xe2\x80\x9d), the final sentence in subparagraph M., captioned \xe2\x80\x9cSeverability,\xe2\x80\x9d and/or this sentence); all such\n\n11\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cdisputes are for a court and not an arbitrator to decide. Notwithstanding the foregoing, the term \xe2\x80\x9cClaim\xe2\x80\x9d includes\nany dispute about the validity or enforceability of this Agreement as a whole. Moreover, this Arbitration Provision will\nnot apply to any Claims that are the subject of a class action that is pending as of the effective date of this Arbitration\nProvision in which you are alleged to be a member of the putative class for as long as such class action is pending.\nD. Arbitration Procedures: Upon the demand of you or us, Claim(s) will be resolved by individual (not class or classwide) binding arbitration in accordance with the terms specified in this Arbitration Provision. If you or we elect to\narbitrate a Claim, the electing party must notify the other party in writing. This notice can be given after the beginning\nof a lawsuit and can be given in papers filed in the lawsuit. Otherwise, your notice must be sent to WSFS Bank, 500\nDelaware Avenue, Wilmington, DE 19801, Attn: General Counsel, and our notice must be sent to the address for you\nin our files. If a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party files a\nmotion to compel arbitration with the court which is granted, it will be the responsibility of the party prosecuting the\nClaim(s) to select an arbitration administrator in accordance with the paragraph below and commence the arbitration\nproceeding in accordance with the administrator\xe2\x80\x99s rules and procedures. We will not demand to arbitrate an individual\nClaim that you bring against us in small claims court or your state\xe2\x80\x99s equivalent court, if any. But if that Claim is\ntransferred, removed or appealed to a different court, we then have the right to demand arbitration.\nE. Choosing the Administrator: \xe2\x80\x9cAdministrator\xe2\x80\x9d means the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d), 1633\nBroadway, 10th Floor, New York, NY 10019, www.adr.org.; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY\n10018, www.jamsadr.com; or any other company selected by mutual agreement of the parties. If both AAA and\nJAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the\nAdministrator or arbitrator will be selected by a court. The arbitrator will be appointed by the Administrator in\naccordance with the rules of the Administrator. However, the arbitrator must be a retired or former judge or a lawyer\nwith at least 10 years of experience. The party initiating arbitration may select the Administrator by filing a Claim with\nthe Administrator of that party\xe2\x80\x99s choice. Notwithstanding any language in this Arbitration Provision to the contrary, no\narbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in\nplace a formal or informal policy that would allow or require any dishonor of the Class Action Waiver.\nF. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: YOU WILL NOT HAVE THE RIGHT TO\nPURSUE A CLAIM SUBJECT TO ARBITRATION IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO,\nYOUR ABILITY TO OBTAIN INFORMATION FROM US IS MORE LIMITED IN AN ARBITRATION THAN IN A\nLAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE\nAVAILABLE IN ARBITRATION.\nG. Prohibition Against Certain Proceedings: NOTWITHSTANDING ANY OTHER LANGUAGE IN THIS\nARBITRATION PROVISION TO THE CONTRARY, FOR CLAIMS SUBJECT TO ARBITRATION: (1) YOU MAY\nNOT PARTICIPATE IN A CLASS ACTION IN COURT OR IN A CLASS-WIDE ARBITRATION, EITHER AS A\nPLAINTIFF, CLASS REPRESENTATIVE OR CLASS MEMBER; (2) YOU MAY NOT ACT AS A PRIVATE\nATTORNEY GENERAL IN COURT OR IN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY\nNOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND\n(4) THE ARBITRATOR SHALL HAVE NO POWER OR AUTHORITY TO CONDUCT A CLASS-WIDE\nARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION OR TO\nGRANT ANY RELIEF THAT APPLIES TO ANY PERSON OTHER THAN YOU AND US INDIVIDUALLY. This Class\nAction Waiver does not limit the right of a state or federal authority to pursue a lawsuit against us, even if the lawsuit\nseeks relief on behalf of you and other customers; we will not have the right to compel arbitration of any such claim.\nH. Location and Costs of Arbitration: Any arbitration hearing that you attend must take place in a venue reasonably\nconvenient to where you reside. At your written request, we will pay all filing, hearing and/or other fees charged by\nthe Administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid an\namount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial\ndistrict in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in court, you will not be\nrequired to pay that amount again). In addition, the Administrator may have a procedure whereby you can seek a\nwaiver of fees charged to you by the administrator and arbitrator. We will always pay any fees or expenses that we\nare required to pay by law or the Administrator\xe2\x80\x99s rules or that we are required to pay for this Arbitration Provision to be\nenforced. The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the\nextent permitted by this Agreement, the Administrator\xe2\x80\x99s rules or applicable law. However, with respect to Claim(s)\nasserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs if\nand to the extent you prevail, if applicable law requires us to or if we must bear such fees and costs in order for this\nArbitration Provision to be enforced.\nI. Governing Law: This Arbitration Provision involves interstate commerce and is governed by the Federal Arbitration\nAct (\xe2\x80\x9cFAA\xe2\x80\x9d) and not by any state arbitration law, provided that Delaware law shall be applicable to the extent that any\n\n12\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cstate law is relevant in determining the enforceability of this Arbitration Provision under Section 2 of the FAA. The\narbitrator must apply applicable substantive law consistent with the FAA and the same statutes of limitations and\nprivileges that a court would apply if the matter were pending in court. The arbitrator may award any remedy provided\nby the substantive law that would apply if an individual action were pending in court, including, without limitation,\npunitive damages (which shall be governed by the Constitutional standards employed by the courts), injunctive,\nequitable and declaratory relief. The arbitrator only has authority to award relief in your or our favor (and not in favor\nof any other person) and only to the extent necessary to provide relief warranted by your or our individual claim (and\nnot any kind of broader or class-wide relief). At the timely request of either party, the arbitrator must provide a brief\nwritten explanation of the basis for the award.\nJ. Right to Discovery: In addition to the parties\xe2\x80\x99 rights to obtain discovery pursuant to the arbitration rules of the\nAdministrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally\nallowable under such rules. The arbitrator shall have discretion to grant or deny that request.\nK. Arbitration Result and Right of Appeal: Judgment upon the arbitrator\xe2\x80\x99s award may be entered by any court\nhaving jurisdiction. The arbitrator\xe2\x80\x99s decision is final and binding, except for any right of appeal provided by the FAA.\nHowever, if the amount of the Claim exceeds $50,000, any party can, within 14 days after the entry of the award by\nthe arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The panel shall\nreconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be\nby majority vote. Unless the parties agree otherwise, and to the extent feasible, the appeal will be conducted\npursuant to or modeled after the JAMS Optional Appeal Procedure, available at https://www.jamsadr.com/appeal/.\nReference in this Arbitration Provision to \xe2\x80\x9cthe arbitrator\xe2\x80\x9d shall mean the panel if an appeal of the arbitrator\xe2\x80\x99s decision\nhas been taken. The costs of such an appeal will be borne in accordance with subparagraph H., above, captioned\n\xe2\x80\x9cLocation and Costs of Arbitration.\xe2\x80\x9d Any final decision of the appeal panel is subject to judicial review only as provided\nunder the FAA. No arbitration award involving the parties will have any preclusive effect as to issues or claims in any\ndispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving\nother parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.\nL. Rules of Interpretation: This Arbitration Provision shall survive the closing of the Account, any legal proceeding\nand any bankruptcy to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency\nbetween this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other provisions of this\nAgreement, on the other hand, this Arbitration Provision shall govern.\nM. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, the remaining portions\nshall nevertheless remain in force, except that (A) if in connection with any Claim a determination is made that the\nClass Action Waiver is unenforceable, only this sentence of the Arbitration Provision will remain in force and the\nremaining provisions shall be null and void, provided that the determination concerning the Class Action Waiver shall\nbe subject to appeal, and (B) if a Claim is brought seeking public injunctive relief and a court determines that the\nrestrictions in the Class Action Waiver or elsewhere in this Arbitration Provision prohibiting the arbitrator from\nawarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination\nbecomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court\nand any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the\ncourt stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been\nentered in court. In no event will a Claim for public injunctive relief be arbitrated.\nN. Notice and Cure; Special Payment: Prior to initiating a Claim, you may send us a written Dispute Claim Notice.\nIn order for a Dispute Claim Notice to be valid and effective, it must: (1) state your name, address and Account\nnumber; (2) be signed by you; (3) describe the basis of your Claim and the amount you would accept to resolve the\nClaim; (4) state that you are exercising your rights under the \xe2\x80\x9cNotice and Cure\xe2\x80\x9d paragraph of the Arbitration Provision;\nand (5) be sent to us by certified mail, return receipt requested, at WSFS Bank, Legal Department, 500 Delaware\nAvenue, Wilmington, DE 19801, Attn: Dispute Claim Notice. This is the only method by which you can submit a\nDispute Claim Notice. You must give us a reasonable opportunity, not less than 30 days, to resolve the Claim. If, and\nonly if, (i) you submit a Dispute Claim Notice in accordance with this paragraph on your own behalf (and not on behalf\nof any other party); (ii) you cooperate with us by promptly providing the information we reasonably request; (iii) we\nrefuse to provide you with the relief you request before an arbitrator is appointed; and (iv) the matter then proceeds to\narbitration and the arbitrator subsequently determines that you were entitled to such relief (or greater relief), you will\nbe entitled to a minimum award of at least $7,500 (not including any arbitration fees and attorneys\xe2\x80\x99 fees and costs to\nwhich you will also be entitled). We encourage you to address all Claims you have in a single Dispute Claim Notice\nand/or a single arbitration. Accordingly, this $7,500 minimum award is a single award that applies to all Claims you\nhave asserted or could have asserted in the arbitration, and multiple awards of $7,500 are not contemplated.\n\n13\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0cO. Amendment; Waiver; Etc. Notwithstanding any language in this Agreement to the contrary, we will not attempt to\napply any amendment to this Arbitration Provision without your written consent if and to the extent that the\namendment would affect the litigation or arbitration of any Claim that has been the subject of a prior Dispute Claim\nNotice. However, this will not limit our power to waive any right we would otherwise have nor our power to afford you\nany additional right with respect to this Arbitration Provision.\n\n14\n\n\xc2\xa92020 Wilmington Savings Fund Society, FSB \xc7\x80 NMLS# 417673 | Member FDIC\n\nIFN: I003694, Revised: July, 2020\n\n\x0c'


b'TZ49AF-D-0121 (AFTI)\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Cash Advances\nHow to Avoid Paying Interest\non Transactions\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n29.9%\n\n29.9%\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on transactions if you pay your entire balance by the due date\neach month.\nNONE\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nSet-up and Maintenance Fees\n\nAnnual Fee\nTransaction Fees\nCash Advance\nPenalty Fees\nLate Payment\nReturned Payment\n\nNOTICE: Some of these set-up and maintenance fees will be assessed before\nyou begin using your card and will reduce the amount of credit you initially have\navailable. For example, if you are assigned the minimum credit limit of $350, your\ninitial available credit will be only about $301 (or about $281 if you choose to have\nan authorized user).\n$20 annually (if you add an additional cardholder to your account)\n2% of each cash advance\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cending balance\xe2\x80\x9d. We figure the interest charge on your\nAccount by applying the periodic rate to the amount you owe at the end of each billing cycle (including new purchases, cash\nadvances and fees) and deducting payments and credits made during the billing cycle.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Paragraph\n15 of this Contract.\n\n\x0cTerms and Conditions\nTaz Visa\xc2\xae Credit Card Important Information: Please take the time to read and save.\nPRESCREEN & OPT-OUT NOTICE: You were selected for this \xe2\x80\x9cprescreened\xe2\x80\x9d offer of credit because the credit\nbureau gave us your name and address and indicated that you met our minimum credit criteria (the way you\nmaintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell\nthe credit bureaus to stop using your credit information for this purpose. To make this request, you need to\nnotify the credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax\nOptions, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA,\n19094-0505, or call 1-888-567-8688.\nConditions Of This Pre-Approved Offer: You must: 1) be a resident of the United States; 2) accept this offer on or\nbefore the REPLY BY DATE printed on the application; 3) continue to meet our minimum credit criteria; 4) provide\ninformation on your application that can confirm your income and that you are 18 years old or older; 5) meet our\ndebt-to-income requirements; and 6) NOT have any other credit card issued by First National Bank (Oldham, SD).\nThis offer is not available to active duty military personnel and their dependents who are covered borrowers (as\ndefined in 32 C.F.R. 232.3) under the Military Lending Act.\nImportant Information About Procedures For Opening a New Account: To help the government fight the funding of\nterrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information\nthat identifies each person who opens an account. What this means for you: When you open an account, we will ask for your\nname, address, date of birth and other information that will allow us to identify you.\nQualify For Future Unsecured Credit: Initially, you will be issued a Visa with at least a $350 credit limit, up to a maximum\nof $1,500. If you make all your payments on time, meet our debt-to-income requirements, keep your account in good\nstanding and maintain your credit profile, you may be eligible to receive future credit limit increases.\nPrivacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit\nsome but not all sharing. All financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business.\nWe do not share your personal information except as permitted by law to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We\nwill provide a complete privacy notice when your account is approved. If you would like a copy of our privacy notice, you may\nobtain one by visiting our website at www.tazcc.com.\nElectronic Communication: By providing your email address, you are authorizing us to communicate with you at this email\naddress.\nAuthorization / Notices: By accepting this offer, you are requesting credit from us. You confirm that all information you\nprovide to us is true and correct.\nCredit Reports: By responding to this offer, you are authorizing us to obtain credit reports about you, both now and in the\nfuture, for any legitimate business purpose associated with the account or request for an account, including but not limited\nto reviewing, modifying, renewing or collecting on your account. We may report information about your account to credit\nbureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. You\nand each authorized user agree that we may report account information to credit reporting agencies in the names of both\nyou and the authorized user(s).\nOptional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining,\ncar rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may\nrequest cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls,\nSD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signifies your acceptance of\nthe membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The\nPREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved.\n\xc2\xa9 2021, CAPITAL Enhancement Services, LLC.\nOptional Payment Protection Plan Disclosure Terms: Payment Protection Plan is an optional program offered by First\nNational Bank to eligible credit card members. Whether or not you purchase the Payment Protection Plan will not affect\nyour application for credit or the terms of any existing credit agreement you have with the bank. Upon enrollment, we\nwill give you additional information before you are required to pay for the Payment Protection Plan. This information will include\nan addendum to your Taz Visa Credit Card contract that fully describes the program\xe2\x80\x99s features and benefits. Please read it\ncarefully for a full explanation of terms including eligibility requirements, conditions and exclusions that could prevent you from\nreceiving benefits and defines your cancellation rights. You may cancel your Payment Protection at any time and, if you cancel\nwithin the first 30 days, any fees charged will be refunded. Your monthly cost is $.89 per $100 of ending balance. Payment\nProtection Plan fees will be automatically charged to your account each month.\nBenefits are limited to the minimum monthly payments as of your date of unemployment, disability, hospitalization, military\nleave, certified family medical leave or jury duty up to a maximum of $5,000, or your balance as of your date of death up to a\nmaximum of $5,000. You must be enrolled in the Payment Protection Plan for at least 30 days before your claim occurs. While\nreceiving benefits, you will be unable to make any new charges or cash advances on your credit card. There is a 120-day wait\nperiod between qualified events. Unemployment, disability and military leave benefits cover your minimum monthly payment\nup to 18 months per event. To qualify for unemployment and disability protection, you must work at least 30 hours per week\nfor at least 6 months before the loss. Disability coverage excludes pre-existing conditions for 12 months prior to enrollment,\n\n\x0cexcludes normal pregnancy and excludes childbirth. Military leave applies if you are called to active duty. Hospitalization\nbenefits cover one minimum monthly payment per event. Certified family medical leave consists of caring for a family member\nwith a serious medical condition, caring for a newborn or caring for an adopted child. Certified family medical leave and jury\nduty benefits cover your minimum monthly payment up to 3 months per event.\nFirst National Bank may cancel the Payment Protection Plan at any time including, but not limited to, if the account is in default,\ndischarged or terminated, or if you have received the $5,000 maximum benefit. The amount of protection under this contract\nhas limits and may not cancel your entire balance or entire monthly payment. You are responsible for any amounts past due\nor any amounts over your credit limit before your date of loss.\n\nCredit Card Contract and Initial Disclosure Statement\nPlease read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of\nthis contract when you sign your application. In the contract, \xe2\x80\x9cbank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to First National Bank (Oldham,\nSD) and we are the creditor named in the application you signed. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9capplicant\xe2\x80\x9d are the person(s) who applied\nto us for the account. \xe2\x80\x9cContract\xe2\x80\x9d means the terms and conditions outlined in this contract. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit card\naccount we open for you to use to access the credit we extend to you. \xe2\x80\x9cCredit limit\xe2\x80\x9d means the maximum account balance you\ncan have at any time.\n1.\n\nYour Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the\nbalance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card\nby not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they\nmake. We may let you add an authorized user to your account. An authorized user is any person you give permission to\nuse the card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any\nrelated fees or interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly\nfrom them. If you want to remove an authorized user from your account, you need to get the card from them and notify\nus. If you cannot get the card, contact us immediately and we will close the account to try to stop further charges. The\ncards remain our property and you agree to return them at our request or we have the right to have a merchant keep the\ncard and return it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify\nus immediately.\n\n2.\n\nUsing Your Account to Obtain Credit: You can use the card and your account to make charges. We can close or\nsuspend the account at any time for any reason including if the activity on your account appears suspicious, if we are\nconcerned about repayment or if the balance is over the credit limit. We can also limit the number or amount of charges\nyou can make on the account. You may be assigned a PIN (Personal Identification Number) or you may request a PIN\nto use ATMs to obtain cash advances. The minimum cash advance is $20.00. Your card and account cannot be used for\nillegal charges. You may not use your card in connection with any gambling transaction.\n\n3.\n\nYour Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may\nnot go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your\ncredit limit immediately. Your cash advance limit will be 50% of your total credit limit.\n\n4.\n\nMonthly Billing Statements: We will send you a statement every month with the account activity, fees and interest. It\nwill also show your minimum payment and payment due date.\n\n5.\n\nPayments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a\npayment to any other address, there may be a delay in crediting it to your account. We do not lose any of our rights to\ncollect the full balance if we accept late payments, partial payments or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor similar language. Do not send us postdated checks. If you do, we may deposit these checks when we receive them\nand will not be liable for any fees that may result. We will post payments when received but we may restrict your ability to\nmake new charges against that payment amount for up to thirty (30) days. If your payment is returned unpaid from your\nbank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but they can get a copy\nof it at your request.\n\n6.\n\nMinimum Payment and Monthly Payment: You may pay your entire balance at any time without penalty. You must pay\nat least the minimum payment each month by the payment due date. The payment due date will be twenty-five (25) days\nfrom the closing date. The closing date is the last day of the billing cycle.\nMonthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than\n$30, your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the\ncurrent late fee and interest.\nMinimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly\npayment plus any amount over your credit limit.\n\n7.\n\nApplying Your Payments: In general, the payment will be applied in the following order: Unpaid interest, unpaid fees\nand other charges, and then principal balance. Payments applied to the principal balance will first be paid to balances at\nthe highest annual percentage rate (APR) and then to balances at lower APRs.\n\n8.\n\nPayment Methods: All payments must be made in U.S. dollars and drawn on a financial institution located in the United\nStates. Do not send cash through the mail.\n\n9.\n\nWhen Interest is Charged: Interest will be charged if you did not pay the previous balance in full by the payment due\ndate. We will charge interest on the ending balance. Ending balance means the balance on your account at the end\nof any billing cycle. Billing cycle means the time between two billing statements. The ending balance is the sum of the\nprevious balance (the ending balance on your last statement) less payments and credits, plus new purchases and new\ncash advances and charges posted during the billing cycle. To calculate the interest, we multiply the ending balance by\nthe monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate of 29.9% by 12\n(months). The monthly periodic rate is 2.4917%.\n\n\x0c10. Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will\naccrue interest.\na. Annual Fee: A $49 annual fee will be billed on your first billing statement and then about the same time each year.\nb. Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.\nc. Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.\nd. Cash Advance Fee: You will be billed a fee of 2% of the amount of each cash advance.\ne. Optional Authorized User: If you add an authorized user, there is a $20 annual authorized user fee.\n11. Lost or Stolen Cards: If your card is lost, stolen or being used without your permission, call us toll free (888) 803-6634,\n24 hours a day. You should also write to us. Do not use the card or account after you have notified us. You will not be\nresponsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.\n12. If Card is Refused: We are not responsible, and have no liability if your card or account is not accepted for a charge.\nAlthough you may have the credit available, we may be unable to authorize credit due to system difficulties or mistakes.\nIf your account is over the credit limit or past due, authorization for charges should be declined.\n13. Cardholder Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be\nrecorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to\ncontact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that\nwe will not be responsible for the release of information to anyone who has gained possession of a card or identification\nnumber, credit account number or social security number.\n14. Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number, you are providing\nthis phone number for us, our affiliates or any third party acting on our behalf to call or text you at any number provided.\nWe may contact you using an auto-dialer or pre-recorded voice message. You agree that we may use this phone number\nto contact you for any business purpose about your account and you agree to be responsible for any fees or charges you\nincur as a result of providing this information. We may offer options for text messages or other electronic communications\nthat may be received or accessed from your cellular phone and you agree that by enrolling in these services, you\nunderstand and agree to be responsible for any fees or charges you incur as a result of this enrollment.\n15. Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement: If you think there is an error on your statement, write to us at:\nTaz Visa, PO Box 5081, Sioux Falls, SD 57117-5081. In your letter, give us the following information: Your name and\naccount number; the dollar amount of the suspected error; a description of the problem. If you think there is an error on\nyour bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us; 1) Within 60 days\nafter the error appeared on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business days\nbefore the payment is scheduled if you want to stop payment on the amount you think is wrong. You must notify us of\nany potential errors in writing. You may call us but if you do, we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhen we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter,\nwe must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error: We cannot try to collect the amount in question or\nreport you as delinquent on that amount. The charge in question may remain on your statement and we may continue\nto charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance. We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay\nthe amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake:\nYou will have to pay the amount in question along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between us. If we do not follow all of the rules above, you\ndo not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases: If you are dissatisfied with the goods or services\nthat you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must\nbe true: 1) The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. These limitations do not apply if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services. 2) You must have\nused your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above\nare met and you are still dissatisfied with the purchase, contact us in writing at: Taz Visa, PO Box 5081, Sioux Falls, SD\n57117-5081. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report\nyou as delinquent.\n16. Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our\nright to enforce them at a later time.\n\n\x0c17. Credit Reports: You authorize us to obtain credit reports about you for any legitimate business purpose. We may obtain\na credit report for reviewing, modifying the terms, renewing the account or collection. We may report information about\nyour account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected\nin your credit report. You and each authorized user agree that we may report account information to credit reporting\nagencies in the names of both you and the authorized user(s).\n18. Change in Terms of Your Credit Account: We may change any term of this contract at any time upon notice to you as\nis required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do,\nyour account will be closed and you will be able to pay off the balance under the terms in effect at that time.\n19. Law Governing this Contract: This contract is entered in the state of South Dakota where the decision to grant credit\nwill be made. Therefore, this contract will be governed by the laws of the state of South Dakota applicable to contracts,\nand applicable federal law.\n20. Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation, it shall not\naffect the validity or enforceability of any other provision of this contract.\n21. Default: You will be in default of this contract if any of the following occur:\na. If you do not make a minimum payment on your account on or before the payment due date;\nb. If you die or become legally incompetent;\nc. If you become insolvent or bankrupt;\nd. If you exceed or attempt to exceed your credit limit;\ne. If you provide us with or have provided us with false or misleading information or signatures at any time;\nf. If you fail to comply with this contract;\ng. If you request an excessive number of replacement cards; or\nh. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.\nIf you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We\ncan also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if an\naccount is in default, you agree to pay interest and fees as defined in this contract until your balance is paid in full. If your\naccount is in default and you try to make charges, we can use any legal means to recover the card(s) including listing\nyour account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation, we\ncan still declare the same or another default later on your account.\n22. Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly\nstatement and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay\nthe balance on the account under the terms of this contract. We can suspend your account privileges or cancel your\naccount at any time, for any reason. We will notify you after we do so, unless you are in default at that time. We will have\nno obligation to notify you prior to suspending your charging privileges or cancelling your account.\n23. Refund of Initial Fees: If you cancel your account within 90 days after the card is first mailed to you and if you have not\nused your account for any charges, all fees and interest billed to your account will be credited back to your account.\n24. Collection Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe\nus by reason of this contract, you agree to pay reasonable attorney\xe2\x80\x99s fees and other collection costs.\n25. Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way\nto define or describe the scope or intent of any provision of this contract.\n26. State Notices:\na. California Residents: A married applicant may apply for a separate account. As required by law, you are hereby\nnotified that negative credit reporting may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations. After credit approval, each applicant shall have the right to use the account up to the limit of\nthe account. Each applicant may be liable for amounts extended under the plan to any joint applicant.\nb. Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.\nc. Maine Residents: Payment Protection provided herein is voluntary and you have the right to cancel such protection\nat any time.\nd. New York Residents: Consumer reports may be requested in connection with the processing of the application and\nany resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting\nagencies which have provided us with such reports. New York residents may contact the New York Department of\nFinancial Services to obtain a comparative list of credit card rates, fees and grace periods. New York Department\nof Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.\ne. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual\nupon request. The Ohio Civil Rights Commission administers compliance with this law.\n\n\x0c'