b'Rates and Fees Table for the GO2bank Secured Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n22.99%\n\nAPR for Cash Advances\n\n26.99%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing period\n(at least 23 days for billing periods that begin in February). We will not\ncharge you any interest on purchases if you pay your entire balance\nby the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at https://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nNone\nEither $10 or 5% of the amount of each cash advance, whichever is\ngreater.\n3% of each transaction after conversion to U.S. dollars.\nUp to $39\n\n\xe2\x80\xa2\n\nOver-the-Credit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $20\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (excluding new\npurchases)\xe2\x80\x9d to calculate your Purchase balance. We use a method called \xe2\x80\x9caverage daily balance\n(including new cash advances)\xe2\x80\x9d to calculate your Cash Advance balance. See the Cardholder Agreement\nand Security Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in the Cardholder Agreement and Security Agreement.\n_____________________________________________________________________________________\n\n\x0cFor additional information about the costs and terms of your GO2bank Secured Credit Card Account\n(\xe2\x80\x9cCard Account\xe2\x80\x9d), see the Cardholder Agreement and Security Agreement. The Cardholder Agreement\nand Security Agreement and your Card Account will be governed by Utah and applicable federal law.\nThe Cardholder Agreement and Security Agreement permits us to change the terms of your Card\nAccount, including the rates, fees, and other credit terms, subject to us providing advance notice to you\nif required by law.\nAPPLICATION INFORMATION:\nYou authorize us to receive and exchange information about you, including from your employer, your\nbank, credit bureaus, and others for purposes of verifying your identity and the information you provide\nwhen you submit your application and for purposes of determining your eligibility for credit, renewal of\ncredit, and future extensions of credit, except to the extent prohibited by applicable law. THIS OFFER\nSUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees, are accurate and current, but may\nchange.\nSTATE DISCLOSURES:\n(1) MARRIED WISCONSIN RESIDENTS: By submitting your credit card application, you are confirming\nthat this credit card obligation is being incurred in the interest of your marriage and your family. No\nprovision of a marital property agreement, unilateral statement under Section 766.59 of the Wisconsin\nStatutes, or court order under Section 766.70 of the Wisconsin Statutes adversely affects the interest of\nthe creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the\nagreement, statement, or decree or has actual knowledge of the adverse provision when the obligation\nto the creditor is incurred. If the credit card for which you are applying is granted, you will notify\nGO2bank if you have a spouse who needs to receive notification that credit has been extended to you.\nYou understand that we may give notice of this Card Account to your spouse. (2) CALIFORNIA\nRESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit\napproval, use the credit card account up to its credit limit; (2) may be liable for amounts extended under\nthe plan to any joint applicant. As required by law, you are hereby notified that a negative credit report\nreflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the\nterms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that\nall creditors make credit equally available to all credit worthy customers, and that credit reporting\nagencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law. (4) NEW YORK RESIDENTS: New York residents may\ncontact the New York State Department of Financial Services by telephone or visit its website for free\ninformation on comparative credit card rates, fees, and grace periods. NY State Dept of Financial\nServices: 1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money. (5) NEW\nYORK, RHODE ISLAND, AND VERMONT RESIDENTS: We may obtain your credit reports for any\nlegitimate purpose associated with the account or the application or request for an account, including,\nbut not limited to, reviewing, modifying, renewing, and collecting on your account. On your request, you\nwill be informed if such a report was ordered. If so, you will be given the name and address of the\nconsumer reporting agency furnishing the report. If you are a Vermont resident, you consent to the\nobtaining of such reports by signing or otherwise submitting a credit application. (6) DELAWARE AND\nOREGON RESIDENTS: Service charges not in excess of those permitted by law will be charged on the\noutstanding balances from month to month. You may pay more than the minimum payment due, up to\nyour entire outstanding balance, at any time. (7) UTAH RESIDENTS: As required by Utah law, you are\nhereby notified that a negative credit report reflecting on your credit record may be submitted to a\ncredit reporting agency if you fail to fulfill the terms of your credit obligations.\n\n\x0cELIGIBILITY:\nIn order to be eligible to apply for a Card Account: (i) you must be 18 years of age or older and a citizen\nor lawfully residing in one of the 50 states of the United States or the District of Columbia; (ii) you must\nhave a GO2bank bank account in good standing; and (iii) your GO2bank bank account must have\nreceived one or more direct deposits of payroll or government benefits totaling at least $100 in the\nimmediately preceding 30 days. Every applicant, regardless of marital status, can apply for a separate\nCard Account.\nSECURED ACCOUNT; PROVISION OF SECURITY DEPOSIT:\nThe Card Account is a secured credit card account that is secured by a security deposit account that you\nare required to establish and maintain in order to open your Card Account (the \xe2\x80\x9cSecurity Deposit\nAccount\xe2\x80\x9d). In consideration of the creation of the Card Account and the issuance of the associated card,\nyou agree to pay a security deposit of at least $100 from your GO2bank bank account within 90 days of\nthe approval of your application, in accordance with the terms of the Security Agreement. You may not\nmake any withdrawals from the Security Deposit Account while it secures your Card Account.\nMILITARY ANNUAL PERCENTAGE RATE DISCLOSURE\nFederal law provides important protections to active duty members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: The costs associated\nwith credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account). To hear this same disclosure and for a general description of your payment\nobligations for this credit card account, call the following toll-free number (855) 459-1334.\nTHE CARD ACCOUNT AND THE SECURITY DEPOSIT ACCOUNT ARE ONLY AVAILABLE ELECTRONICALLY:\nThe Card Account and the Security Deposit Account are only available electronically. That means that, in\norder for you to open the Card Account and the Security Deposit Account, you must agree to receive all\ndisclosures electronically. If you do not have the systems needed to receive disclosures electronically,\nwe cannot provide the Card Account or the Security Deposit Account to you. Refer to the Electronic\nCommunications Agreement for more information.\nAPPLICATION AGREEMENT:\nBy applying for a Card Account, you agree that:\n1. All information provided in your application is true, correct, and complete and you have the\nlegal capacity to enter into this contract.\n2. GO2bank is authorized to verify or check any of the information given and to obtain credit\nreports on you. You authorize GO2bank to obtain information from others to investigate your\ncredit, employment, and income history and state records, including state employment security\nagency records, and to report information regarding your Card Account to consumer reporting\nagencies.\n3. Your Card Account will be secured by a Security Deposit Account.\n4. GO2bank will open the Security Deposit Account in your name. The Security Deposit Account\ndoes not earn interest. We may change these terms at any time by adding new terms or deleting\nor amending current terms, subject to applicable law and any required notices. The amount\n\n\x0cdeposited by you (subject to any minimum requirement) in the Security Deposit Account will be\nused as collateral to secure the obligations to GO2bank that you incur from time to time in\nconnection with your Card Account.\n\n\x0cGO2BANK\nCARDHOLDER AGREEMENT AND SECURITY AGREEMENT\nNOTICE: EXCEPT TO THE EXTENT THAT YOU ARE A \xe2\x80\x9cCOVERED BORROWER\xe2\x80\x9d AS THAT TERM IS DEFINED\nBY 32 C.F.R. \xc2\xa7 232.3(G), THIS AGREEMENT REQUIRES ALL DISPUTES TO BE RESOLVED BY WAY OF\nBINDING ARBITRATION. THE TERMS OF THE ARBITRATION CLAUSE APPEAR AT THE END OF THIS\nAGREEMENT.\nThis Cardholder Agreement and Security Agreement (this \xe2\x80\x9cAgreement\xe2\x80\x9d) is your agreement with us for\nyour Card Account. In this Agreement, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to you, the person who applied for and\nreceived the Card Account, and \xe2\x80\x9cGO2bank,\xe2\x80\x9d \xe2\x80\x9cBank,\xe2\x80\x9d \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Green Dot Bank, the\nissuer of your Card Account. Below are certain other defined terms used in this Agreement:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\x9cAvailable Credit\xe2\x80\x9d means the amount of credit you may use without exceeding your Credit\nLimit. Subject to the \xe2\x80\x9cCredit Availability\xe2\x80\x9d section below, your Available Credit will be equal to the\namount of your Credit Limit, minus the sum of: (a) your then-outstanding Card Account balance\nplus (b) any Purchases and Cash Advances that we have authorized but that have not yet posted\nto your Card Account, including authorization holds (see the \xe2\x80\x9cAuthorization Holds\xe2\x80\x9d section\nbelow for additional information), plus (c) any payments that have not yet cleared. As provided\nin this Agreement, your Available Credit will change from time to time based on changes in your\nCredit Limit, your use of your Card Account for Purchases and Cash Advances, and payments you\nmake on your Card Account.\n\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the interval between billing statements. Each billing statement shows a\nclosing date. The closing date is the last day of the Billing Cycle for that billing statement.\n\xe2\x80\x9cBusiness Day\xe2\x80\x9d means every Monday through Friday, excluding Federal Reserve holidays.\n\xe2\x80\x9cCard\xe2\x80\x9d means the credit card issued to you for your Card Account.\n\xe2\x80\x9cCard Account\xe2\x80\x9d means the secured credit card account opened for you by GO2bank that is\nsubject to the terms of this Agreement.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means a credit advance of cash that you obtain on your Card Account by:\n(a) presenting your Card (or any credit device we supply to you) to any participating financial\ninstitution to obtain cash or (b) using your Card at an Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d) to\nobtain cash.\n\xe2\x80\x9cCredit Limit\xe2\x80\x9d means the maximum amount of credit we have approved for you on your Card\nAccount.\n\xe2\x80\x9cDebt\xe2\x80\x9d includes: (a) all amounts you owe to the Bank, including, without limitation, interest,\nfees, and charges that may accrue for your Card Account, (b) any continuing guaranty arising\nfrom your Card Account, as well as each extension, refinance, or renewal of such obligations,\nand (c) any expenses that the Bank incurs in enforcing your obligations under this Agreement,\nincluding, without limitation, attorneys\xe2\x80\x99 fees for external and/or in-house counsel, where\nallowed by law.\n\xe2\x80\x9cGO2bank Bank Account\xe2\x80\x9d means the deposit account opened for you by GO2bank that is\nsubject to the terms of the GO2bank Deposit Account Agreement.\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d means the minimum amount that we must receive on or before the\nPayment Due Date, as shown on each billing statement.\n\xe2\x80\x9cMobile App\xe2\x80\x9d means that GO2bank mobile application.\n\xe2\x80\x9cNew Balance\xe2\x80\x9d means the total outstanding balance on your Card Account at the end of any\nBilling Cycle, as shown on your billing statement. To determine the New Balance, we begin with\nthe outstanding balance on your Card Account at the beginning of each Billing Cycle, called the\n5\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\x9cPrevious Balance\xe2\x80\x9d on your billing statement. We subtract any payments and credits we receive.\nWe then add any Purchases, Cash Advances, and other charges posted to your Card Account\nsince the end of the previous Billing Cycle. We then add the appropriate interest charges and\nfees and make other applicable adjustments.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means your purchase of goods or services with the use of your Card or Card Account\nnumber (including, without limitation, Purchases made in person, on the Internet, through mail\norder, or over the telephone). Tax payments made with your Card Account (including any fees\ncharged by a tax agency) are Purchases.\n\xe2\x80\x9cSecurity Agreement\xe2\x80\x9d means the portion of this Agreement titled \xe2\x80\x9cSecurity Agreement,\xe2\x80\x9d which\nprovides the terms applicable to your Security Deposit Account (as defined below).\n\xe2\x80\x9cWebsite\xe2\x80\x9d means www.go2bank.com.\n\n1. Secured Credit Card Account. Your Card Account is a secured credit card account. It is secured by a\nsecurity deposit account that you are required to establish and maintain in order to open your\nCard Account (referred to as the \xe2\x80\x9cSecurity Deposit Account\xe2\x80\x9d). If you fail to make your required\npayments on your Card Account or otherwise fail to comply with the terms of this Agreement, you\ncould lose all the funds in your Security Deposit Account. The Security Agreement below includes,\namong other important provisions, information on the security interest you have granted to the\nBank in your Security Deposit Account and the Bank\xe2\x80\x99s rights against all funds in your Security\nDeposit Account in the event of your Default (as defined below) under this Agreement.\n2. Agreement to Terms. By applying for a Card Account, signing the Card, or otherwise using or\nconsenting to the use of the Card Account, you agree to the terms and conditions of this Agreement\nand that this Agreement will govern your Card Account, the use of your Card, and all credit extended\nunder this Agreement. You also agree that your use of your Card Account, whether by use of your\nCard or otherwise, will constitute your acceptance of, and will be subject to, this Agreement. Your\nCard Account will not be opened until we have received your deposit to your Security Deposit\nAccount, in an amount of at least $100, as described below in the \xe2\x80\x9cEstablishing Your Credit Limit and\nInitial Credit Limit\xe2\x80\x9d section.\n3. Using Your Card Account.\n(a) Available Transactions. Subject to your Credit Limit, you may use your Card and your Card\nAccount to make Purchases and obtain Cash Advances as long as you are not in Default. You may\nnot obtain balance transfers from your Card Account. You may make Purchases as described in\nthe definition of Purchase above. You may obtain Cash Advances in the ways described in the\ndefinition of Cash Advance above, subject to the terms, limits, and fees described in this\nAgreement. When you activate your Card, you must select a personal identification number\n(\xe2\x80\x9cPIN\xe2\x80\x9d), which can be used with your Card to obtain a Cash Advance at an authorized ATM,\nsubject to the terms, limits, and fees described in this Agreement.\n(b) Limitations on Using Your Card Account. You agree to use your Card Account only for personal,\nfamily, or household purposes. You also promise that your Card Account will be not be used for\npurposes that are illegal under state or federal law, including, without limitation, illegal\ngambling activity. We reserve the right to deny transactions or authorizations from merchants\nthat appear to be engaged in illegal activities. We are not responsible if anyone does not allow\nyou to use your Card Account or refuses to accept your Card. We may decline any transaction at\nany time.\n6\n\n\x0c(c) Additional Limits on Cash Advances. In addition to your Credit Limit, Cash Advances are limited\nas follows:\n(i) Maximum Cash Advance limit at an ATM is $200 per day and $3,000 per month;\n(ii) Maximum Cash Advance limit at a participating financial institution is $200 per day and\n$3,000 per month;\n(iii) Cash Advances are only permitted at ATMs and participating financial institutions located in\nthe U.S., its territories, Canada, and Mexico; and\n(iv) For security purposes, we may limit the number of Cash Advance transactions at an ATM per\nday and may decline any Cash Advance request made after you reach the maximum number\nof Cash Advances for that day, which maximum number will be set by us in our sole\ndiscretion and may change at any time.\n4. Establishing Your Credit Limit and Initial Credit Limit. When we open your Card Account, we will\nestablish a Credit Limit for your Card Account. Your initial Credit Limit is based on the amount you\ninitially deposit in your Security Deposit Account, subject to a minimum deposit requirement of\n$100. We will notify you of any change in your Credit Limit as may be required by law. Changes to\nyour Credit Limit may take effect before you receive such notice. Your billing statement for your\nCard Account will disclose your Credit Limit and the amount of your Available Credit as of the closing\ndate of your Billing Cycle.\n5. Future Credit Limit Changes. If we are satisfied with your ability to repay a higher Credit Limit, we\nmay allow you to increase your Credit Limit by depositing additional funds to your Security Deposit\nAccount from your GO2bank Bank Account. However, if we determine, at any time in our discretion,\nthat you might not have the ability to repay the full amount of your Credit Limit, we may decrease\nyour Credit Limit. Notwithstanding the foregoing, we may decrease your Credit Limit in our\ndiscretion at any time. If you want to decrease your Credit Limit, your only option is to close your\nCard Account. See the \xe2\x80\x9cCancellation and Change in Terms\xe2\x80\x9d section below for more information on\nclosing your Card Account and the consequences of doing so.\n6. Your Credit Limit Obligations. Your Credit Limit will be shown on your billing statements. You\npromise not to engage in any transactions that, along with any applicable fees we assess in\nconnection with such transactions (such as, but not limited to, Cash Advance fees), would cause you\nto exceed your Credit Limit. Notwithstanding the foregoing, interest charges and fees may cause you\nto exceed your Credit Limit. If you attempt a transaction that would cause you to exceed your Credit\nLimit, we may, in our discretion, authorize the transaction without increasing your Credit Limit or we\nmay deny the authorization. If we allow you to exceed your Credit Limit at any time, that does not\nobligate us to do so any other time. Without limiting our other rights under this Agreement,\nincluding our rights under the \xe2\x80\x9cOur Rights Upon Default\xe2\x80\x9d section below, you agree that if you\nexceed your Credit Limit at any time, you will immediately pay us for the full amount that exceeds\nyour Credit Limit.\n7. Credit Availability.\n(a) General Rules. Except as otherwise provided in this Agreement, payments on your Card Account\nand changes to your Credit Limit will change the amount of your Available Credit. This section\ndescribes when your Card Account payments will be credited for purposes of your Available\n7\n\n\x0cCredit. Crediting of payments for purposes of your scheduled payment obligations is described\nin the \xe2\x80\x9cReceipt and Crediting of Payments\xe2\x80\x9d section below.\n(b) Payments from Your GO2bank Bank Account. For purposes of your Available Credit only, onetime payments from your GO2bank Bank Account that you schedule by logging in to our\nWebsite or Mobile App will increase your Available Credit when we receive the payment.\n(c) Payments by Check. For purposes of your Available Credit only, payments by check will increase\nyour Available Credit within 8 to 12 days after we receive the payment.\n8. Promise to Pay.\n(a) General Promise to Pay. You promise to pay us all amounts you owe on your Card Account,\nincluding, without limitation, the total amount of all Purchases, Cash Advances, interest charges,\nand all other charges and fees described in this Agreement. You must make a payment every\nmonth that your billing statement reflects a New Balance. If we do not receive your Minimum\nPayment Due by the Payment Due Date reflected on your billing statement, your payment will\nbe considered late and you will be in Default. See the \xe2\x80\x9cOur Rights Upon Default\xe2\x80\x9d section below\nfor consequences of Default.\n(b) Making Payments. All payments to us must be made in U.S. dollars. You can make payments by\nany of the following methods: (i) scheduling a one-time payment from your GO2bank Bank\nAccount via our Website or Mobile App or (ii) sending a check to us at the address disclosed on\nyour billing statement.\n(c) Minimum Payment Requirement. Except as otherwise provided in this Agreement, you may pay\nthe entire balance owed at any time, without penalty, or you may pay some lesser amount. At a\nminimum, however, you must pay the Minimum Payment Due as is reflected on your billing\nstatement, and we must receive that payment on or before the Payment Due Date shown on\nyour billing statement. The Payment Due Date will be the same day of each calendar month\n(although, for payments by check, if the Payment Due Date is not a Business Day, we will treat\nany check payment that is received by us by 5:00 p.m. Pacific Time on the next Business Day\nafter the Payment Due Date as having been made on the Payment Due Date). See the \xe2\x80\x9cReceipt\nand Credit of Payments\xe2\x80\x9d section below. If your Minimum Payment Due is not received by the\nPayment Due Date, you will be charged a Late Payment Fee (see the \xe2\x80\x9cFees\xe2\x80\x9d section below).\nIf the New Balance shown on your billing statement is less than $25.00, your Minimum Payment\nDue will be equal to the New Balance. If the New Balance shown on your billing statement is\n$25.00 or more, your Minimum Payment Due will be equal to the greater of: (i) $25.00 or (ii) 2%\nof the New Balance. The Minimum Payment Due is rounded up to the nearest dollar. Any credits\non your Card Account will not be used to meet the Minimum Payment Due amount.\n9. Receipt and Crediting of Payments. For purposes of your payment obligations, the following\ndescribes when your payments must be made in order to be credited to your Card Account on a\ntimely basis.\n(a) Payments From Your GO2bank Bank Account. If you schedule one-time payment from your\nGO2bank Bank Account via our Website or Mobile App before 11:59 p.m. Pacific Time, we will\ncredit the payment as of that day.\n\n8\n\n\x0c(b) Payments By Check. A conforming payment received by us by 5:00 p.m. Pacific Time on a\nBusiness Day will be credited to your Card Account on the date we receive it. A \xe2\x80\x9cconforming\npayment\xe2\x80\x9d is a payment by check drawn on a U.S. financial institution that is capable of being\nprocessed through the Federal Reserve System, is payable to GO2bank, and has your Card\nAccount number written on it. Any check that does not meet these requirements will be\nconsidered a Non-conforming Payment (as defined below), which may delay the crediting of the\npayment for up to five days. Please allow seven to ten Business Days for the U.S. Postal Service\nto deliver your check payment to us.\n(c) Non-conforming Payments. We may reject, in our discretion, any payments that do not comply\nwith the payment instructions set forth in this Agreement or on your billing statement (each a\n\xe2\x80\x9cNon-conforming Payment\xe2\x80\x9d). If we accept a Non-Conforming Payment, the payment will be\ncredited to your Card Account within five days as long as we can identify your Card Account,\nwhich may result in additional interest charges and fees. We can accept Non-conforming\nPayments, late payments, partial payments, or conditional checks or any checks marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d without losing our rights under this Agreement, including the right to require\nfull payment of all amounts owed under this Agreement.\n(d) Application of Payments. Subject to applicable law, we may decide, in our sole discretion, how\nto apply your payments, up to the Minimum Payment Due, to the balances on your Card\nAccount. After the Minimum Payment Due has been paid, we will apply your payments to the\nbalance with the highest interest rate and then to balances with lower interest rates.\n10. Authorization Holds. Transactions at some merchants (such as hotels, car rental companies,\nrestaurants, and gas stations) may result in temporary authorizations for amounts greater than the\nactual Purchase amount. If this happens, it will make less credit available to you on your Card\nAccount until the date the actual Purchase amount is received by us from the merchant or the\nauthorization hold is released.\n11. Our Rights Upon Default.\n(a) Events of Default. The Bank may, without prior notice, declare you in default under this\nAgreement if any of the following occur (each, a \xe2\x80\x9cDefault\xe2\x80\x9d): (i) you fail to meet the conditions,\nperform any obligation, or make any required payment under this Agreement or any other\nagreement that you make with us relating to the Debt; (ii) you have given the Bank false or\nmisleading information or made misrepresentations; (iii) you exceeded your Credit Limit;\n(iv) you die; (v) any government authority takes action that the Bank believes adversely affects\nyour financial condition or ability to repay the Debt; (vi) any guaranty or other agreement\nrequired in connection with the Debt is violated or ineffective; (vii) you default on any other\naccount you have with the Bank; or (viii) you file a bankruptcy petition, a bankruptcy petition is\nfiled against you, or you make a general assignment for the benefit of creditors.\n(b) Our Rights Upon Your Default. If you Default, the Bank may declare all the Debt immediately\ndue and payable, subject to any notice and rights to cure you may have under applicable law.\nUpon any Default, we are authorized to exercise all of our rights under the security interest that\nyou have granted to us in your Security Deposit Account. Without limiting the foregoing, we may\nact as owner of the Security Deposit Account and apply all or any portion of the funds in the\nSecurity Deposit Account to repayment of the Debt and our costs in enforcing our rights\nhereunder. Your Security Deposit Account does not secure any obligations to us other than the\n9\n\n\x0cDebt. We are irrevocably appointed as attorney-in-fact for the limited purpose of executing any\ninstruments required to satisfy the Debt. In addition and by way of example, if you are in\nDefault, we may close your Card Account without notice and require you to pay your unpaid\nbalance immediately, except to the extent prohibited by applicable law, and we can also begin\ncollection activities. To the extent permitted by law, if you are in Default because you have\nfailed to pay us, we will require you to pay our collection costs, attorneys\xe2\x80\x99 fees, court costs, and\nall other expenses of enforcing our rights under this Agreement.\nOur rights stated in this Agreement are in addition to any other rights the Bank has under applicable\nlaw. If there is a conflict regarding the security interest between this Agreement and any other\nagreement, this Agreement will control. You represent that no insolvency proceeding or general\nassignment for creditors is pending that would affect the Bank\xe2\x80\x99s security interest. If the Bank waives\nor delays exercising a right, it does not forfeit that right or any others. You waive any defense you\nmay have against the Bank. The Bank can exercise its rights against the Security Deposit Account\neven if you are no longer liable on the Debt because of a statute of limitations or because of other\nreasons. Until the Debt is fully repaid and you have no further obligations under this Agreement, you\nwill subordinate in favor of the Bank any right of subrogation and any right to enforce a remedy the\nBank now has or may later have.\n12. Authorized Users. If you give your Card to any person to use or otherwise authorize any person to\nuse your Card Account, you will be responsible for all charges that such person makes on your Card\nAccount, even if you did not anticipate or specifically approve the charges. You must notify us in\nwriting if you wish to revoke any permission you gave to another person to use your Card Account.\nWe then will take commercially reasonable efforts to comply with your instructions to revoke that\nauthority, which may include replacing your Card with a new Card or changing your Card Account\nnumber.\n13. Billing Statements. Each month while your Card Account is open, we will provide you a billing\nstatement showing your New Balance, Minimum Payment Due, and the Payment Due Date. We will\nprovide the billing statement to you electronically by notifying you by email that your billing\nstatement is available. When you receive this email, you will need to log in to your Card Account via\nthe Website and Mobile App to view and print your billing statement. We may discontinue sending\nbilling statements to you if: (i) we deem your Card Account to be uncollectible; (ii) delinquency\ncollection proceedings have been instituted against you to enforce this Agreement; (iii) furnishing\nthe statement would violate applicable law; or (iv) as otherwise permitted by applicable law. Even\nthough you may not receive a billing statement in such instances, you understand and agree that,\nexcept to the extent prohibited by applicable law, interest charges may continue to accrue on your\nCard Account.\n14. Fees.\n(a) Late Payment Fee. If your Minimum Payment Due is not received by your Payment Due Date,\nthe Late Payment Fee is $25. If this happens again within the next six Billing Cycles, the Late\nPayment Fee is $39. However, the Late Payment Fee will not exceed the Minimum Payment\nDue.\n(b) Returned Payment Fee. For any payment that you make to us that is returned unpaid, we will\nimpose a Returned Payment Fee equal to the lesser of $20 or the amount of your required\nMinimum Payment Due immediately prior to the date on which the payment is returned.\n10\n\n\x0c(c) Cash Advance Fee. We will impose a Cash Advance Fee for each Cash Advance you obtain, equal\nto the greater of $10 or 5% of the amount of the Cash Advance. You may also be charged a fee\nby the ATM owner or financial institution that provides cash in connection with a Cash Advance.\n(d) Foreign Transaction Fee. We will impose a Foreign Transaction Fee equal to 3% of each Foreign\nTransaction (as defined below), measured in U.S. dollars (see the \xe2\x80\x9cForeign Transactions\xe2\x80\x9d section\nbelow for additional restrictions on such transactions).\n(e) Expedited Card Delivery Fee. We will impose a $24.95 fee if you request that we expedite the\ndelivery of any replacement Card to you.\n(f) Fees for Other Services. We may charge you other fees for services associated with your Card\nAccount that you request in accordance with applicable law.\n15. Interest Charges.\nWhen Interest Charges Begin; Grace Periods for New Purchases Only. We calculate interest\ncharges separately for Cash Advances and Purchases. There are no grace periods for Cash\nAdvances, so you will pay interest charges on Cash Advances from the date they are posted to\nyour Card Account until they are paid in full.\nThere is a grace period during which no interest charge will be imposed on Purchases appearing\non a billing statement for the first time (\xe2\x80\x9cNew Purchases\xe2\x80\x9d). Each Payment Due Date will be at\nleast 25 days from the statement closing date (at least 23 days for Billing Cycles that begin in\nFebruary) and is printed on each billing statement. New Purchases will not be subject to an\ninterest charge if you pay the New Balance reflected on the current billing statement (the\nstatement reflecting the New Purchases) in full by the Payment Due Date reflected on the\ncurrent billing statement. If you do not pay the New Balance reflected on the current billing\nstatement in full by the Payment Due Date reflected on the current billing statement, the\nbalance of the New Purchases that is not paid by the Payment Due Date on the current billing\nstatement will be subject to an interest charge from the first day of the Billing Cycle beginning\nimmediately after the Billing Cycle in which the New Purchases were posted to your Card\nAccount.\n(a) How We Calculate Your Interest on Purchases: Average Daily Balance Method (Excluding New\nPurchases). We calculate a portion of the interest charge on your Card Account by applying a\nMonthly Periodic Rate to the \xe2\x80\x9cAverage Daily Balance of Purchases (excluding New Purchases)\xe2\x80\x9d\non your Card Account. The \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d is determined by dividing the Annual\nPercentage Rate by 12. The current Monthly Periodic Rate is 1.915%. To get the Average Daily\nBalance of Purchases, we take the beginning balance of Purchases on your Card Account each\nday; and subtract unpaid interest or other finance charges and any payments or credits and fees\n(New Purchases are not included in the calculation of the Average Daily Balance of Purchases for\nthe Billing Cycle in which those Purchases are made). This gives us the Daily Balance of\nPurchases. Then we add together all of these Daily Balances of Purchases for the Billing Cycle,\nand divide the total by the number of days in the Billing Cycle. This gives us the Average Daily\nBalance of Purchases.\n(b) How We Calculate Your Interest on Cash Advances: Average Daily Balance Method (Including\nNew Cash Advances). We calculate a portion of the interest charge on your Card Account by\napplying a Daily Periodic Rate to the \xe2\x80\x9cAverage Daily Balance of Cash Advances (including New\n11\n\n\x0cCash Advances)\xe2\x80\x9d on your Card Account. The \xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d is determined by dividing the\nAnnual Percentage Rate by 365 (or by 366 in a leap year). The current Daily Periodic Rate is\n0.074%. To get the Average Daily Balance of Cash Advances, we take the beginning balance of\nCash Advances on the Card Account each day; add any new Cash Advances posted to your Card\nAccount on that day; and subtract unpaid interest or other finance charges and any payments or\ncredits and fees. This gives us the Daily Balance of Cash Advances. Then we add together all of\nthese Daily Balances of Cash Advances for the Billing Cycle, and divide the total by the number\nof days in the Billing Cycle. This gives us the Average Daily Balance of Cash Advances.\n(c) Calculation of Interest Charges. We calculate a portion of your interest charge by multiplying a\nMonthly Periodic Rate by your Average Daily Balance of Purchases (excluding New Purchases),\nand by multiplying a Daily Periodic Rate by your Average Daily Balance of Cash Advances\n(including new Cash Advances). We add together the results of these daily calculations to get\nyour total interest charge for the Billing Cycle.\n16. Consent to Electronic Disclosures. The Card Account and Security Deposit Account are only available\nelectronically. In order for you to obtain and maintain your Card Account, you must consent to\nreceive all disclosures electronically as provided in our Electronic Communications Agreement. If you\nwish to withdraw your consent, you must close your Card Account and Security Deposit Account.\nSee the \xe2\x80\x9cCancellation and Change in Terms\xe2\x80\x9d section below for more information on closing your\nCard Account and the consequences of doing so.\n17. Lost or Stolen Cards; Liability For Unauthorized Card Transactions. You must contact us\nIMMEDIATELY if you believe your Card or Card Account information has been lost or stolen or you\nbelieve your Card or Card Account information has been used without your permission. You may\ncontact us by calling (855) 459-1334 or by writing to us at Customer Care, P.O. Box 5100, Pasadena,\nCA 91117. If you choose to write to us, be sure to include your Card Account number, and, if\napplicable, any information about the alleged unauthorized use, including, but not limited to, an\nidentification of the transaction(s), the dollar amount of the transaction(s), and the identity of the\nperson who used your Card without authorization, if any of this information is known. You will not\nbe liable for any unauthorized use that occurs after you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.\nNotwithstanding the foregoing, Visa\xe2\x80\x99s Zero Liability Policy provides you with protections against\nunauthorized Card transactions processed by Visa if you use care in protecting your Card and notify\nus immediately of any unauthorized use. We will evaluate any such unauthorized transaction claims\nfor which you notify us, and we limit your liability for such transactions to $0. However, we may\nincrease your liability for such transactions if we reasonably determine, based on substantial\nevidence, that you were negligent or acted fraudulently in the handling of your Card or Card\nAccount information.\nSee the \xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d section below for more information concerning your rights and our\nresponsibilities under the Fair Credit Billing Act and your potential liability for transactions that are\nnot covered by this section.\n18. Disputes. We are not responsible for refusal by any merchant, financial institution, ATM, or\nautomated equipment to honor or accept your Card, and we have no responsibility for merchandise\nor services obtained by you with your Card, except as provided in the \xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d\n\n12\n\n\x0csection below. You agree to use your best efforts to resolve any dispute concerning merchandise or\nservices with the applicable merchant.\n19. Cards. Any Cards that we issue to you belong to us. We, a merchant, or any party acting on our\nbehalf may retain your Card without prior notice to you. You agree to sign your Card in the space\nprovided for authorized signatures before you use the Card. Your Card is issued with an expiration\ndate. We have the right not to renew your Card or Card Account. If we have not closed your Card\nAccount or exercised our right not to renew your Card Account, we will send you a new Card when\nyour prior Card expires.\n20. No Waiver of Rights. We may delay in enforcing our rights under this Agreement without losing\nthose rights or any other rights. We may waive enforcement of our rights in one or more instances\nwithout waiving those rights or any other rights in other instances.\n21. Our Communications With You. You agree that we (and our affiliates, agents, and contractors) may\nmonitor or record any calls between you and us for quality control or other business purposes. If we\nneed to contact you to service your Card Account or to collect amounts you owe to us, you expressly\nconsent and agree that we (and our affiliates, agents, and contractors) may contact you by written,\nelectronic, and verbal means, except as otherwise provided by applicable law. This consent includes,\nbut is not limited to, contact by manual calling methods, prerecorded or artificial voice messages,\ntext messages, emails, and automatic telephone dialing systems. Except to the extent prohibited by\napplicable law, you agree that we may contact you at any number or email address (a) you provide\nto us, (b) from which you called or emailed us, or (c) that we obtained and believe we can reach you\nat. We may contact you on a mobile, wireless, or similar device, even if you are charged for it by\nyour provider, except as otherwise provided by applicable law. You agree to promptly notify us if\nyou change any contact information you provided to us, including your name, mailing address, email\naddress, and phone number.\n22. Assignments and Transfers. Your rights under this Agreement may not be transferred by operation\nof law or otherwise. However, your obligations under this Agreement will be binding upon your\nestate and personal representatives. We may sell your Card Account and Security Deposit Account\nand/or assign or transfer this Agreement and our related rights and obligations without prior notice\nto you and without your consent.\n23. Cancellation and Change in Terms.\n(a) You May Close Your Card Account. You may close your Card Account at any time by notifying us\nat (855) 459-1334. We will cancel your Card Account after we receive notice from you and have\na reasonable opportunity to process your notice. You agree that we are not responsible for any\ncosts, damages, or inconvenience you may suffer as a result of our cancelling your Card Account.\n(b) We May Close Your Card Account. Even if you are not in Default, we may: (i) close your Card\nAccount, (ii) cancel or suspend your privileges to make Purchases or obtain Cash Advances, or\n(iii) otherwise cancel or suspend any Card Account privileges or benefits (whether or not such\nprivileges or benefits are described or referred to in this Agreement). We may do so for any\nreason, including Card Account inactivity, in our sole discretion. We will provide you with notice\nof any such action if required to do so by applicable law.\n(c) No More Transactions if Card Account is Closed. If either you or we close your Card Account,\nyou may not make further Purchases or Cash Advances with your Card or Card Account.\n13\n\n\x0cHowever, you will remain responsible and must pay for all credit owed to us (extended to you or\narising from use of your Card Account prior to or subsequent to cancellation). We also will\nreturn the funds from your Security Deposit Account to you as described in this Agreement.\n24. Changing Terms of Your Card Account. We may amend the terms of this Agreement, including the\namount of any Card Account fees, from time to time in our sole discretion. Depending on the nature\nof the change, the amendment to this Agreement may, on or after the date on which it becomes\neffective, apply to all Debt. If required by applicable law, we will: (a) send notice of the changes to\nyou and (b) give you the right to opt out of the change. If you opt out of the change, you will be\nunable to initiate any further transactions on your Card Account, and you will be required to pay the\namount that you owe us under the terms and conditions of the then-existing Agreement.\n25. Governing Law. You understand and agree that: (a) this Agreement is subject to applicable federal\nlaws and, to the extent not preempted by federal law, the laws of the State of Utah, and (b) your\nCard Account was opened or will be continued after approval by us in the State of Utah. If any\nprovision of this Agreement conflicts with applicable law, that provision will be considered modified\nto the extent necessary to comply with such law.\n26. Obtaining Credit Information. When you applied for your Card Account, you authorized us to make\nor have made any credit, employment, or other investigative inquiries we deemed appropriate\n(including, without limit, obtaining a consumer report) prior to extending credit to you. You also\nauthorized us to make such inquiries and obtain consumer reports when renewing, updating, or\ncollecting on your Card Account in the future. Upon your request, we will tell you whether we\nobtained a consumer report and the names and addresses of any consumer reporting agencies that\nprovided such reports.\n27. Foreign Transactions. If you use your Card to make a Purchase or Cash Advance in a currency other\nthan U.S. dollars (\xe2\x80\x9cForeign Transaction\xe2\x80\x9d), the merchant, network, or card association that processes\nthe transaction may convert any related debit or credit into U.S. dollars in accordance with its thencurrent policies. Visa currently uses a conversion rate that is either: (a) selected from a range of\nrates available in wholesale currency markets on or one day prior to its central or transaction\nprocessing date (which rate may vary from the rate Visa itself receives) or (b) the governmentmandated rate. The conversion rate may be different from the rate in effect on the date of your\ntransaction and the date it is posted to your Card Account. We will impose a charge equal to 3% of\nthe amount of the Foreign Transaction.\nWe monitor your Card Account for signs of potential fraud, which could include the use of your Card\nin a manner that is out of the ordinary. If you are planning on using your Card in a foreign country\n(for example, if you are traveling abroad), please let us know in advance. Otherwise, it is possible\nthat your Foreign Transactions may be delayed or declined. For example, there are some countries\nin which we are required by law to block transactions and some countries for which we will not\nauthorize the use of your Card Account due to fraud, terrorism, or other concerns. Those countries\nchange from time to time, so contact us in advance if you are planning on using your Card in a\nforeign country and want to confirm that the Card can be used in that country.\n28. Disclosure of Information to Third Parties. By requesting, obtaining, or using a Card Account, you\nagree that we may release information in our records regarding you and your Card Account: (a) to\ncomply with government agency or court orders; (b) to share your credit performance on your Card\nAccount with credit reporting agencies and other creditors who we reasonably believe are or may\n14\n\n\x0cbe doing business with you; (c) to provide information on your Card Account to any third party who\nwe believe is conducting an inquiry in accordance with the Federal Fair Credit Reporting Act; (d) to\nshare information with our employees, agents, or representatives performing work for us in\nconnection with your Card Account; or (e) as otherwise permitted by our Privacy Policy.\n29. Furnishing Information to Third Parties. If you believe that we have furnished any inaccurate\ninformation relating to your Card Account to any consumer reporting agency, you may notify us at\nP.O. Box 5100, Pasadena, CA 91117. To help us respond to your notification, you must include your\nCard Account number, Social Security Number, the name of the consumer reporting agency\nreflecting the inaccurate information, and an explanation of why you believe the information is\ninaccurate. You understand that you may also contact the appropriate consumer reporting agency\ndirectly.\n30. Negative Credit Reports. YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING\nYOUR CREDIT HISTORY WITH US MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL\nTO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. LATE PAYMENTS, MISSED PAYMENTS, OR\nOTHER DEFAULTS ON YOUR CARD ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.\n31. Force Majeure. We will not be liable for any loss, expense, failure to perform, or delay caused by\nfailure of communication systems, accidents, strikes, fire, flood, pandemic, war, riot, civil strife,\nterrorist attack, earthquake, power outage, funds transfer system or government rules, acts of third\nparties, or any cause that is beyond our reasonable control.\n32. Military Annual Percentage Rate Disclosure. Federal law provides important protections to active\nduty members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than\ncertain application fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account). To hear this same\ndisclosure and for a general description of your payment obligations for this credit card account, call\nthe following toll-free number (855) 459-1334.\n33. Covered Borrower Savings Clause. The provisions of this section apply only to a \xe2\x80\x9cCovered Borrower\xe2\x80\x9d\nas that term is defined by 32 C.F.R. \xc2\xa7 232.3(g). If any contract provision not identified herein is\ncontrary to the rights and protections afforded to you by federal law pursuant to 10 U.S.C. \xc2\xa7 987 and\nits implementing regulations, including, but not limited to 32 C.F.R. \xc2\xa7 232.8, then the conflicting\nprovisions or proscribed terms are inoperative and shall have no force and effect. However, all\nremaining contract terms and provisions not proscribed or prohibited will remain in full force and\neffect.\n34. State Disclosures.\nKentucky Residents: You may pay the unpaid balance of your Card Account in whole or in part at\nany time.\nMaryland Residents: Finance charges will be imposed on your Card Account in amounts or at rates\nnot in excess of those permitted by law.\n15\n\n\x0cNew Jersey Residents: Because certain provisions of this Agreement are subject to applicable law,\nthey may be void, unenforceable, or inapplicable in some jurisdictions. None of these provisions,\nhowever, is void, unenforceable, or inapplicable in New Jersey.\n35. ARBITRATION NOTICE: THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. PLEASE READ\nTHIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS.\nPURSUANT TO 10 U.S.C \xc2\xa7 987 AND ITS IMPLEMENTING REGULATIONS, IT IS UNLAWFUL FOR A\nCREDITOR TO REQUIRE A \xe2\x80\x9cCOVERED BORROWER,\xe2\x80\x9d AS THAT TERM IS DEFINED BY 32 C.F.R. \xc2\xa7\n232.3(G), TO SUBMIT DISPUTES TO ARBITRATION OR TO WAIVE HIS/HER RIGHT TO LEGAL\nRECOURSE UNDER STATE OR FEDERAL LAW. ACCORDINGLY, THE TERMS OF THIS ARBITRATION\nNOTICE AND ARBITRATION CLAUSE DO NOT APPLY TO COVERED BORROWERS.\n(a) Acknowledgment of Arbitration. Your Card Account is being made available and priced by the\nBank on the basis of your acceptance of the following arbitration provision. By requesting\nyour Card Account, you acknowledge that you are giving up the right to litigate Claims (as\ndefined below) if either party elects arbitration of the Claims pursuant to this provision,\nexcept as otherwise expressly provided herein, and you hereby knowingly and voluntarily\nwaive the right to trial of all Claims subject to this Agreement. You further acknowledge that\nyou have read this arbitration provision carefully, agree to its terms, and are entering into this\nAgreement voluntarily and not in reliance on any promises or representations whatsoever\nexcept those contained in this Agreement.\n(b) Arbitration of Claims. Except as expressly provided herein, any claim, dispute, or controversy\n(whether based upon contract; tort, intentional or otherwise; constitution; statute; common\nlaw; or equity and whether pre-existing, present, or future), including initial claims, counterclaims, cross-claims, and third-party claims, arising from or relating to: (i) your Card or Card\nAccount; (ii) any service relating to your Card or Card Account; (iii) the marketing of your Card or\nCard Account; (iv) this Agreement, including the validity, enforceability, interpretation, scope, or\napplication of this Agreement and this arbitration provision (except for the prohibition on class\nor other non-individual claims, which will be for a court to decide); and (v) any other agreement\nor instrument relating to your Card or Card Account or any related service (\xe2\x80\x9cClaim\xe2\x80\x9d) will be\ndecided, upon the election of you or the Bank (or Green Dot Corporation or the Bank\xe2\x80\x99s agents,\nemployees, successors, representatives, affiliated companies, or assigns), by binding arbitration.\nArbitration replaces the right to litigate a claim in court or to have a jury trial. The American\nArbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) will serve as the arbitration administrator. You may obtain\ncopies of the current rules, forms, and instructions for initiating an arbitration with the AAA by\ncontacting the AAA as follows: online at www.adr.org or by writing to the AAA at: American\nArbitration Association, Case Filing Services, 1101 Laurel Oak Road, Suite 100, Voorhees, NJ\n08043.\n(c) Other Claims Subject to Arbitration. In addition to Claims brought by either you or the Bank,\nClaims made by or against Green Dot Corporation or by or against anyone connected with you\nor the Bank or claiming through you or the Bank (including a second cardholder, employee,\nagent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in\nbankruptcy) will be subject to arbitration as described herein.\n(d) Exceptions. We agree not to invoke our right to arbitrate any individual Claim you bring in small\nclaims court or an equivalent court so long as the Claim is pending only in that court. This\n16\n\n\x0carbitration provision also does not limit or constrain the Bank\xe2\x80\x99s right to interplead funds in the\nevent of claims to funds by several parties.\n(e) Individual Claims Only. Claims may be submitted to arbitration on an individual basis only.\nClaims subject to this arbitration provision may not be joined or consolidated in arbitration\nwith any Claim of any other person or be arbitrated on a class basis, in a representative\ncapacity on behalf of the general public or on behalf of any other person, unless otherwise\nagreed to by the parties in writing. However, co-applicants, second cardholders, and authorized\nusers of a single Card and/or related cards are considered as one person, and the Bank, its\nofficers, directors, employees, agents, and affiliates are considered as one person.\n(f) Arbitration Fees. If you initiate arbitration, the Bank will advance any arbitration fees, including\nany required deposit. If the Bank initiates or elects arbitration, the Bank will pay the entire\namount of the arbitration fees, including any required deposit. The Bank will also be responsible\nfor payment and/or reimbursement of any arbitration fees to the extent that such fees exceed\nthe amount of the filing fees you would have incurred if your Claim had been brought in the\nstate or federal court nearest your residence with jurisdiction over the Claims.\n(g) Procedure. A single arbitrator will resolve the Claims. The arbitrator will be a lawyer with at\nleast ten years\xe2\x80\x99 experience or who is a former or retired judge. The arbitration will follow the\nAAA\xe2\x80\x99s rules and procedures in effect on the date the arbitration is filed, except when there is a\nconflict or inconsistency between the AAA\xe2\x80\x99s rules and procedures and this arbitration provision,\nin which case this arbitration provision will govern. Any in-person arbitration hearing for a Claim\nwill take place within the federal judicial district in which you live or at such other reasonably\nconvenient location as agreed by the parties. The arbitrator will apply applicable substantive law\nconsistent with the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq. (the \xe2\x80\x9cFAA\xe2\x80\x9d), and will honor all\nclaims of privilege and confidentiality recognized at law. All statutes of limitations that would\notherwise be applicable will apply to any arbitration proceeding. The arbitrator will be\nempowered to grant whatever relief would be available in court under law or in equity. Any\nappropriate court may enter judgment upon the arbitrator\xe2\x80\x99s aware. This arbitration provision is\nmade pursuant to a transaction involving interstate commerce and will be governed by the FAA.\n36. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Billing Statement:\nIf you think there is an error on your billing statement, write to us at:\nGO2bank\nP.O. Box 5100\nPasadena, CA 91117\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and Card Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on your billing statement, describe\nwhat you believe is wrong and why you believe it is a mistake.\n17\n\n\x0cYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your billing statement.\nAt least 3 Business Days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter:\nWhen we receive your letter, we must do two things:\n(1) Within 30 days of receiving your letter, we must tell you that we received your letter. We\nwill also tell you if we have already corrected the error.\n(2) Within 90 days of receiving your letter, we must either correct the error or explain to you\nwhy we believe the billing statement is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\nThe charge in question may remain on your billing statement, and we may continue to\ncharge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\nWe can apply any unpaid amount against your Credit Limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\n\nIf you receive our explanation but still believe your billing statement is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone to\nwhom we reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your billing statement is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases:\nIf you are dissatisfied with the goods or services that you have purchased with your Card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to\npay the remaining amount due on the Purchase.\n18\n\n\x0cTo use this right, all of the following must be true:\n(1) The Purchase must have been made in your home state or within 100 miles of your current\n\nmailing address, and the Purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your Purchase was based on an advertisement we mailed to you or if\nwe own the company that sold you the goods or services.)\n(2) You must have used your Card for the Purchase. Purchases made with Cash Advances from\nan ATM or with a check that accesses your Card Account do not qualify.\n(3) You must not yet have fully paid for the Purchase.\nIf all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in\nwriting at:\nGO2bank\nP.O. Box 5100\nPasadena, CA 91117\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n37. SECURITY AGREEMENT\nThis Security Agreement governs your Security Deposit Account.\n(a) Grant of Security Interest in the Security Deposit Account. To secure all Debt arising under your\nCard Account and under the terms of this Agreement, you assign, transfer, pledge, grant a\nsecurity interest in, and set over to us all of your rights, title, and interest in the Security Deposit\nAccount and in all renewals, substitutions of, and additions and proceeds of the Security Deposit\nAccount. Your Security Deposit Account does not secure any obligations to us other than the\nDebt. No portion of the Security Deposit Account will be available to you or may be used to\nsecure other loans.\n(b) Our Rights Over Your Security Deposit Account. The security interest, pledge, and assignment\nin your Security Deposit Account given to us by you includes and gives the Bank the right to\nmake settlements or compromises on your Security Deposit Account; transfer your Security\nDeposit Account to the Bank\xe2\x80\x99s own name; or exercise ownership rights on your Security Deposit\nAccount. You waive any right to require the Bank to: (i) proceed against you or any other\nperson; (ii) proceed against or exhaust any security you have provided to us through other\nagreements; or (iii) pursue any other remedy in the Bank\xe2\x80\x99s power. The Bank may, without prior\nnotice, and from time to time: (1) renew, compromise, extend, accelerate, or otherwise change\nthe terms relating to the Debt; (2) take and hold security (other than the Security Deposit\nAccount) for payment of the Debt and enforce, exchange, and release the security in any\nmanner that the Bank determines is proper; (3) release or substitute you, any guarantor, or any\nendorser of the Debt; and (4) increase or lower the Credit Limit on your Card Account, and no\nsuch action will change the fact that the Security Deposit Account at all times will be held by the\nBank as security for the Debt.\n\n19\n\n\x0c(c) Events of Default. The Bank may, without prior notice, declare you in Default. If you Default, the\nBank may declare the Debt immediately due and payable. The Bank may also exercise all the\nrights of an owner of the Security Deposit Account.\n(d) Our Rights Upon Your Default. Upon any Default, we are authorized to act as owner of your\nSecurity Deposit Account and to apply all or any portion of the funds in your Security Deposit\nAccount to repayment of the Debt and Bank\xe2\x80\x99s costs in enforcing its rights hereunder. The Bank is\nirrevocably appointed as attorney-in-fact for the limited purpose of executing any instruments\nrequired to satisfy the Debt.\n(e) Closing Your Security Deposit Account; Returning the Funds. You may not close your Security\nDeposit Account until your obligations under this Agreement have been fully paid and your Card\nAccount is closed. We may, in our discretion, close your Security Deposit Account at any time. If\nyou or we close your Security Deposit Account, we may return the funds in your Security Deposit\nAccount to you by any of the following means: (i) by a transfer of the funds to your GO2bank\nBank Account; (ii) by sending a check to you at the address we have in our records; or (iii) some\nother method deemed sufficient by us. However, if the balance in your Security Deposit Account\nis $1.00 or less, we will not issue a refund to you unless you request it in writing. In addition, we\nmay use the funds in your Security Deposit Account to pay any balances on your Card Account.\nYou agree that if your Card Account is closed for any reason, we may apply the funds in your\nSecurity Deposit Account to pay off any balance on your Card Account. We also may hold the\nfunds in your Security Deposit Account for as long as 60 days after you have paid off your Card\nAccount balance and your Card Account is closed. If a check we send to you is returned as\nundeliverable or if we cannot locate you, we will hold the funds from your Security Deposit\nAccount until you either contact us and provide information on how to send the funds to you or\nuntil we are required to remit your funds to a state under an applicable unclaimed property law,\nwhichever occurs first. For this reason, it is important that you promptly notify us if you change\nany contact information you provide to us, including your name, mailing address, email address,\nand phone number.\n(f) Our Liability to You. We will have no liability to you with respect to your Security Deposit\nAccount, other than as provided in this Security Agreement. We will meet our duty to care for\nyour Security Deposit Account if we exercise ordinary care in the transaction at issue. \xe2\x80\x9cOrdinary\ncare\xe2\x80\x9d requires only that we follow standards that do not vary unreasonably from the general\nstandards followed by similarly situated banks. A mere clerical error, or an honest mistake, will\nnot be considered a failure of the Bank to perform any of its obligations.\n(g) Withdrawals. Your Security Deposit Account serves as the collateral for your Card Account. It\nmay not be used to secure any other loans. The Bank has the right to require at least seven days\xe2\x80\x99\nwritten notice before you withdraw or transfer money from your Security Deposit Account.\nNotwithstanding the foregoing, you agree that you may not withdraw funds or exercise any\nother rights over your Security Deposit Account until your obligations under this Agreement\nhave been fully paid and your Card Account has been closed. See the \xe2\x80\x9cClosing Your Security\nDeposit Account; Returning the Funds\xe2\x80\x9d section above for terms and conditions regarding return\nof the funds and closure of your Card Account.\n(h) Non-Interest Bearing Security Deposit Account. No interest will be paid on your Security\nDeposit Account.\n\n20\n\n\x0c(i) Fees. There are no fees for your Security Deposit Account.\n(j) Minimum Balance Limitations. The minimum balance to open your Security Deposit Account is\nthe amount of your Credit Line, which will not be less than $100. Neither your Card Account nor\nyour Security Deposit Account will be opened until we have received the minimum balance.\n(k) Deposits to Your Security Deposit Account. Other than depositing funds to secure your Card\nAccount, you cannot make deposits to your Security Deposit Account. You may only deposit\nfunds to your Security Deposit Account to secure your Card Account by transferring funds from\nyour GO2bank Bank Account via our Website or Mobile App.\n(i) Your Initial Deposit. The initial deposit to fund your Security Deposit Account must be at\nleast $100.\n(ii) Subsequent Deposits. Except as otherwise provided in this Agreement, you may make\ndeposits to your Security Deposit Account to secure your Card Account at any time, up to\nyour Credit Limit. If you attempt to make a deposit that would cause the balance of your\nSecurity Deposit Account to exceed your Credit Limit, we may reject the deposit. If we allow\nthe deposit, we are not required to allow deposits in the future. In addition, increasing the\nbalance of your Security Deposit Account will not necessarily increase your Credit Line. If\nyou choose to make deposits to your Security Deposit Account to secure your Card Account,\neach deposit must be for at least $1.00.\n(l) Deposit Insurance. Your Security Deposit Account is insured up to the regulatory limits\nprescribed by the Federal Deposit Insurance Corporation (FDIC). For further information\nregarding insurance of accounts, you may write to the FDIC at 550 17th Street, N.W.,\nWashington, D.C. 20429, telephone the FDIC\xe2\x80\x99s toll free consumer hotline at 877-275-3342, or\nvisit its website at www.fdic.gov. Please note that GO2bank operates under the following\nregistered trade names: Green Dot Bank, GoBank, and Bonneville Bank. All of these registered\ntrade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits\nunder any of these trade names are deposits with Green Dot Bank and are aggregated for\ndeposit insurance coverage.\n(m) Electronic Fund Transfer Disclosures.\n(i) Transfer Types and Limitations. The only kind of electronic fund transfers that may be made\nto your Security Deposit Account are transfers from your GO2bank Bank Account\n(\xe2\x80\x9cTransfers\xe2\x80\x9d) to fund your Security Deposit Account. See the \xe2\x80\x9cDeposits to Your Security\nDeposit Account\xe2\x80\x9d section for limitations on depositing funds to your Security Deposit\nAccount. Electronic fund transfers cannot be made from your Security Deposit Account. See\nthe \xe2\x80\x9cWithdrawals\xe2\x80\x9d section above.\n(ii) Our Liability for Failure to Make Transfers. If we do not complete a Transfer to your\nSecurity Deposit Account on time or in the correct amount according to this Agreement, we\nwill be liable for your losses or damages under section 910 of the Electronic Fund Transfer\nAct (Title IX of the Consumer Credit Protection Act, 15 U.S.C. \xc2\xa7\xc2\xa7 1693 et seq.). However,\nthere are some exceptions. We will not be liable for instance: (1) if through no fault of ours,\nyour GO2bank Bank Account has insufficient funds for the Transfer or the funds are\nunavailable for withdrawal from your GO2bank Bank Account (e.g., because they have not\nbeen finally collected or are subject to legal process); (2) if the transaction would exceed\n21\n\n\x0cyour overdraft limit, if any, for your GO2bank Bank Account; (3) if we have limited or\nrevoked your GO2bank Bank Account privileges, or if we have reason to believe the\ntransaction is not authorized by you; (4) if circumstances beyond our control (such as fire,\nflood, pandemic, water damage, power failure, strike, labor dispute, computer breakdown,\ntelephone line disruption, or a natural disaster) or a rolling blackout prevent or delay the\nTransfer despite reasonable precautions taken by us; or (5) as otherwise provided in this\nAgreement.\n(iii) In Case of Errors or Questions about your Transfers. Call us at (855) 459-1334 or write us at\nP.O. Box 5100, Pasadena, CA 91117 as soon as you can, if you think your statement or\nreceipt is wrong or if you need more information about a Transfer listed on the statement or\nreceipt. We must hear from you no later than 60 days after we sent the FIRST statement on\nwhich the problem or error appeared. When notifying us, you will need to tell us: (1) your\nname and Card Account number; (2) why you believe there is an error and the dollar\namount involved; and (3) approximately when the error took place. If you tell us orally, we\nmay require that you also send us your complaint or question in writing within ten Business\nDays. We will determine whether an error occurred within ten Business Days after we hear\nfrom you and will correct any error promptly. If we need more time, however, we may take\nup to 45 days to investigate your complaint or question. If we decide to do this, we will\nprovide a provisional credit your Security Deposit Account within ten Business Days for the\namount you think is in error, so that you will have the benefit of your money during the time\nit takes us to complete our investigation. If we ask you to put your complaint or question in\nwriting, and we do not receive it within ten Business Days, we may not provisionally credit\nyour Security Deposit Account. For errors involving a new Security Deposit Account, we may\ntake up to 90 days to investigate your complaint or question and we may take up to 20\nBusiness Days to provide a provisional credit to your Security Deposit Account for the\namount you think is in error. We will tell you the results within three Business Days after\ncompleting our investigation. If we decide that there was no error, we will send you a\nwritten explanation. You may ask for copies of the documents that we used in our\ninvestigation.\n(iv) Statements. We will provide periodic statements for your Security Deposit Account (as part\nof your billing statement for your Card Account) to you electronically by notifying you by\nemail that your billing statement is available. When you receive this email, you will need to\nlog in to your Card Account via the Website and Mobile App to view and print your billing\nstatement.\n(n) Legal Actions Affecting Your Security Deposit Account. Your Security Deposit Account may be\nsubject to legal action, such as a tax levy, third-party garnishment or levy, seizure, or forfeiture.\nSuch legal action is subject to the Bank\xe2\x80\x99s security interest and right of setoff. Fees or expenses\nthe Bank incurs in responding to legal action (including, without limitation, attorneys\xe2\x80\x99 fees and\nthe Bank\xe2\x80\x99s internal expenses) may be charged against your Security Deposit Account.\n(o) Adverse Claims. If we receive a claim to all or a portion of your Security Deposit Account that is\nadverse to your interest and we do not believe that we are otherwise adequately protected if\nwe ignore that claim, we may place a hold on funds that are subject to the claim. The hold may\nbe placed for any period of time we believe to be reasonably necessary to allow a legal\nproceeding to determine the merits of the claim to be instituted.\n22\n\n\x0c(p) Information Given to Third Parties. We may disclose information to third parties about you and\nyour Security Deposit Account: (i) where it is necessary or helpful for completing transactions;\n(ii) in order to verify the existence and condition of your Security Deposit Account for a third\nparty; (iii) in order to comply with government agency or court orders; (iv) if you give us your\nconsent; (v) to service providers who administer your Security Deposit Account or perform data\nprocessing, records management, collections, and other similar services for us, in order that\nthey may perform those services; (vi) in order to identify, prevent, investigate, or report possible\nsuspicious or illegal activity; (vii) to disclose the existence, history, and condition of your Security\nDeposit Account to consumer reporting agencies; and (viii) as permitted by our Privacy Policy.\nSee our Privacy Policy for further details. We may also disclose information that is not personally\nidentifiable for other purposes.\n\nRev. 1/2020\n\n23\n\n\x0c'


b'4/15/2016\n\nMetro Shores VISA Application \xc2\xad Metro Shores\n\nM\xee\x80\x82CU@HOM\xee\x80\x81\n\nACCOUNT\xee\x80\x82\n\nLOAN\xee\x80\x82 & CR\xee\x80\x81DIT\n\nHOM\xee\x80\x81 \xee\x80\x80ANKING LOGIN\n\n\xee\x80\x81\xee\x80\x82\xee\x80\x81RVIC\xee\x80\x81\xee\x80\x82\n\nNot \xee\x80\x81nrolled? \xee\x80\x81nroll Toda\xee\x80\x86!\n\nLINK\xee\x80\x82 & R\xee\x80\x81\xee\x80\x82OURC\xee\x80\x81\xee\x80\x82\n\nA\xee\x80\x80OUT\n\nCredit Cards\nPLATINUM PR\xee\x80\x81F\xee\x80\x81RR\xee\x80\x81D\n\nCLA\xee\x80\x82\xee\x80\x82IC\n\n\xee\x80\x82COR\xee\x80\x81CARD R\xee\x80\x81WARD\xee\x80\x82\n\nAPPLY NOW\n\nApply for a VISA Credit Card\nBuilding a successful \xe1\x92\xbcnancial plan takes the right resources. That\'s why we work hard to provide\nyou with quality \xe1\x92\xbcnancial services and products. Like our convenient, \xe1\x93\x94exible Visa & Visa Platinum\nCredit Cards. They\'re accepted at thousands of locations worldwide for just about any type of\npurchase you can dream up. And unlike those big out-of-town institutions, our card comes with the\npersonal, friendly service you\'ve come to expect from us. So, whatever your plans, choose the\ncredit card that gives you all the value and buying power you need to get your projects o\xe1\x93\xac the\ndrawing board.\nVisa Platinum Credit Card for the purchase of goods or services, the following bene\xe1\x92\xbcts are yours!\n\nScorecard Bonus Points\nEarn Bonus Points fro every net retail purchase you make with our Metro Shores Credit Card! You\ncan redeem Bonus Points for brand-name merchandise and exciting travel awards. Visit\nwww.scorecardrewards.com and browse the current award selections. You\'ll be amazed at what\nScoreCard has to o\xe1\x93\xacer! To \xe1\x92\xbcnd out how the plan works, ask one of our friendly representatives.\nInterest Rates\nand Interest\nCharges\nAnnual Percentage\nRate (APR) for\nPurchases\nAPR for Balance\nTransfers\nAPR for Cash\n\nVisa\n\nVisa Platinum\n\n11.88% Fixed\n\n8.88% Fixed\n\n11.88% Fixed\n\n8.88% Fixed\n\n11.88% Fixed\n\n8.88% Fixed\n\nhttps://metshores15.secure.cusolutionsgroup.net/apply\xc2\xadnow\xc2\xadvisa\n\n1/6\n\n\x0c4/15/2016\n\nMetro Shores VISA Application \xc2\xad Metro Shores\n\nAdvances\nPenalty APR and\nWhen it Applies\n\nNone\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on retail purchases if you pay your entire balance by\nthe due date. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nMinimum Interest\nCharge\n\nNone\n\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the web site of the Consumer Protection Bureau at\nhttp://www.consumer\xe1\x92\xbcnance.gov/learnmore.\n\nFees\n\nVisa\n\nVisa Platinum\n\nAnnual Fee\n\nNone\n\nNone\n\nTransaction Fees\nBalance\nTransfer\nCash\nAdvances\n\nNone\nNone\nNone\n\nForeign\nTransaction\nPenalty Fees\nLate\nPayment\nOver-theCredit Limit\n\nUp to $25.00\nNone\nUp to $30.00\n\nReturned\nPayment\nOther Fees\nCard\nReplacement\nhttps://metshores15.secure.cusolutionsgroup.net/apply\xc2\xadnow\xc2\xadvisa\n\n2/6\n\n\x0c4/15/2016\n\nMetro Shores VISA Application \xc2\xad Metro Shores\n\nFee\n\n$10.00\n\nRush Card\nFee\n\n$15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance"\n(including new purchases). *An explanation of this method is provided in your account agreement.\nBilling RIghts: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement. (734) 676-5666\n\nVISA Credit Card Application\n* Required Fields\n\nVISA Application\nCredit limit\nrequested\nAccount # (or\nenter 0000 nonmember)\nAccount\nPreference\n\nClassic\nPlatinum\nIndividual Account\nLimit Increase\nShared Secured\n\nJoint Account\n\nCredit\n\n*A copy of a current paystub may be required.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help\nthe government \xe1\x92\xbcght the funding of terrorism and money laundering activities, Federal laws\nrequire all \xe1\x92\xbcnancial institutions to obtain, verify and record information that identi\xe1\x92\xbces each\nperson who opens an Account. What this means to you: When you open an Account, we will ask\nfor your name, address, date of birth, and other information that will allow us to identify you. We\nmay also ask to see your driver\'s license or other identifying documents.\n\nApplicant\n* Last Name\n* First Name\nMiddle Name\n* Social Security\nNumber\nhttps://metshores15.secure.cusolutionsgroup.net/apply\xc2\xadnow\xc2\xadvisa\n\n3/6\n\n\x0c4/15/2016\n\nMetro Shores VISA Application \xc2\xad Metro Shores\n\n* Date of Birth\n\n/ day...\n\nmonth...\n\n/ year...\n\n* Cell Phone\n\n(\n\n)\n\n-\n\next\n\nWork Phone\n\n(\n\n)\n\n-\n\next\n\n* Email Address\n* Rent/Mortgage\n* Monthly\n\nOwn\n\nRent\n\nOther\n\n$\n\nPayment\n* Street Address\n* City\n* State\n\nSelect State...\n\n* Zip Code\n* Employer\n* Date Employed\n\nmonth...\n\n* Monthly Gross\nIncome\n\n$\n\nOther Income\n\n$\n\n/ day...\n\n/ year...\n\n/ day...\n\n/ year...\n\nCo-Applicant (if applicable)\nLast Name\nFirst Name\nMiddle Name\nSocial Security\nNumber\nDate of Birth\n\nmonth...\n\nCell Phone\n\n(\n\n)\n\n-\n\next\n\nWork Phone\n\n(\n\n)\n\n-\n\next\n\nEmail Address\nRent/Mortgage\nMonthly Payment\n\nOwn\n\nRent\n\nOther\n\n$\n\nStreet Address\nCity\nState\n\nSelect State...\n\nhttps://metshores15.secure.cusolutionsgroup.net/apply\xc2\xadnow\xc2\xadvisa\n\n4/6\n\n\x0c4/15/2016\n\nMetro Shores VISA Application \xc2\xad Metro Shores\n\nZip Code\nEmployer\nSelf Employed\nDate Employed\n\nmonth...\n\nMonthly Gross\nIncome\n\n$\n\n/ day...\n\n/ year...\n\nClick here to read Electronic Funds agreement.\n\nSignatures\nPLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement is submitted to\nobtain credit and I/We certify that all information herein is true and complete. I/We agree that\ninquiries may be made to verify information and that credit references or veri\xe1\x92\xbccation may be\ngiven based on inquiries from other parties. This o\xe1\x93\xacer is subject to the credit policies of this\ninstitution. I/We agree to be bound by the terms and conditions of the cardholder agreement, a\ncopy of which will be mailed to the applicant if this application is granted, receipt of such\nagreement and acceptance of such terms to be conclusively presumed by the applicant\'s use. If\nyou intend to apply for joint credit, the undersigned shall be jointly and severally liable for any\nand all credit extended from time time. We may report information about your account to the\ncredit bureaus. Late payments, missed payments, or other defaults on your account may be\nre\xe1\x93\x94ected in your credit report.\n* I agree\n\nI hereby agree to grand security interest in any deposit accounts or other\nfunds held by the credit union to secure my obligations under this credit\nplan.\n\nSecurity CodeWhat\'s This?\n\nSubmit\n\nSEARCH\n\n\xef\x80\x82\n\nhttps://metshores15.secure.cusolutionsgroup.net/apply\xc2\xadnow\xc2\xadvisa\n\n5/6\n\n\x0c4/15/2016\n\nMetro Shores VISA Application \xc2\xad Metro Shores\n\nI want to...\n\nRouting & Transit Number: 272 48 5495\nContact Us\nThis Credit Union is federally-insured by the National Credit\nUnion Administration We do business in accordance with\nthe Fair Housing Law and Equal Opportunity Credit Act\n\nhttps://metshores15.secure.cusolutionsgroup.net/apply\xc2\xadnow\xc2\xadvisa\n\nPrivacy\n\nDisclosures & Fees\n\nSite Map\nBoard Portal\n\n6/6\n\n\x0c'