b'VISA\xc2\xae Unicorn Credit Card\nImportant Disclosures\nRates, Fees, and other important information about the VISA\xc2\xae Unicorn Credit Card (\xe2\x80\x9cUnicorn Card\xe2\x80\x9d or \xe2\x80\x9cCard\xe2\x80\x9d) are set forth\nin these Important Disclosures, which are part of the VISA\xc2\xae Unicorn Credit Card Cardholder Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d). The\nterms of the Agreement, including these Important Disclosures, may be changed at any time subject to applicable law. Based\non our evaluation of your credit report and other factors, if approved for a Unicorn Card, you will receive a credit card account\n("Account") with a minimum credit line of $500. For purposes of these disclosures, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who\napplies for an Account.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n17.76%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n24.99%\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each Billing Cycle. We will\nnot charge you any Interest on purchases if you pay your entire balance by the\ndue date each month.\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 credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $25.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d and we\ncalculate a separate average daily balance for your Purchase balance and your Cash Advance balance. See section 4.E\n\xe2\x80\x9cBalances Subject to Interest Rates\xe2\x80\x9d for further details.\nBilling Rights Summary: Information on your right to dispute transactions is included in the Agreement.\nHow the Variable APRs and Daily Rate on your Account are Determined: The Purchases APR on your Account will be\ndetermined each Billing Cycle by adding a 14.51% margin to the Prime Rate (U.S.) as published in the Money Rates section\nof The Wall Street Journal (the \xe2\x80\x9cIndex\xe2\x80\x9d), which was 3.25% as of the end of the preceding calendar month. Currently, the\nDaily Periodic Rate for Purchases is 0.0486575% and the Daily Periodic Rate for Cash Advances is 0.0684657%.\nImportant Information About Procedures for Opening a New Account (USA PATRIOT Act): To help the government\nfight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify\n\n1\n\n\x0cand record information that identifies each person who opens an account. What this means to you: When you open an account,\nwe will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask\nto see your driver\xe2\x80\x99s license or other identifying documents.\nAbout This Credit Card Program: Credit cards are issued by Wilmington Savings Fund Society, FSB (\xe2\x80\x9cWSFS Bank\xe2\x80\x9d), a\nfederal savings bank headquartered in Wilmington, Delaware. VISA is a registered trademark and service mark of VISA\nInternational Service Association, and is used pursuant to a license.\nCard Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality\nand other requirements.\nCalls and Texts; Monitoring/Recording of Telephone Calls: When you give us your mobile phone number, we have your\npermission to contact you at that number about your Account. Your consent allows us to use text messaging, push\nnotifications, artificial or pre-recorded voice messages and automatic dialing technology for informational and Account\nservice calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to service\nyour Account. Message and data rates may apply. See Section 8A of the Agreement for more detailed information. You agree\nthat your calls with us and our servicing agents may be monitored and/or recorded, unless expressly prohibited by applicable\nlaw.\nInformation Sharing: A Notice describing our Privacy Policy is at the end of the Agreement. A Privacy Notice for our\nservicing agent, Cred.ai, is available online at www.unicorncard.ai/Privacy-Policy.\nInformation About Applying for a Credit Card: By electronically signing an application for an Account, you authorize us\nand our agents and representatives to obtain credit, employment and other information about you, including credit bureau\nreports, in order to evaluate your application for credit. If your application is approved and credit is extended to you, you\nfurther authorize us to re-verify any or all of such information from time to time, including obtaining additional credit bureau\nreports, for any legitimate or permissible purpose in connection with such extension of credit, such as for the purpose of\nreviewing the Account, increasing or decreasing the Credit Limit on the Account or taking collection action on the Account,\nand to furnish information concerning your Account and our credit experience with you to consumer reporting agencies and\nothers who may properly receive that information. If you ask, you will be informed whether or not a consumer report was\nrequested, and if a report was requested, you will be informed upon request of the name and address of the consumer reporting\nagency that furnished the report. You agree that all credit card applications remain our property. By submitting a credit card\napplication to us, you also certify that all the information you have provided is true and complete, that no essential information\nhas been omitted, and that no misrepresentations have been made on the application. If approved, you agree to the terms and\nconditions applicable to the Account, including these Important Disclosures and the remaining terms of the Agreement, and\nthe right of WSFS Bank to change terms and add new terms to the Account at any time. By activating a Card or the Account\nor allowing an authorized person to activate or use a Card or the Account, you personally agree to fully pay all amounts owed\nin connection with the Account as required by the Agreement. You agree that the Account will only be used for lawful\npersonal, family or household purposes. You further acknowledge you are at least 18 years of age (19 years of age if you are\na resident of Alabama or Nebraska or 21 years of age if you are a resident of Mississippi or Puerto Rico).\nTHIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE (EXHIBIT A). UNLESS YOU ARE A \xe2\x80\x9cCOVERED\nBORROWER\xe2\x80\x9d PROTECTED BY THE MILITARY LENDING ACT (THE \xe2\x80\x9cMLA\xe2\x80\x9d) OR UNLESS YOU\nPROMPTLY REJECT THE ARBITRATION CLAUSE, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR\nRIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A\nCLASS PROCEEDING.\nAdditional Notices: Please see the additional notices at the end of the Agreement, including notices for residents of\nCalifornia, Delaware, New York, Ohio, Oregon, Rhode Island, Vermont and Wisconsin (for married applicants).\n\n2\n\n\x0cVISA\xc2\xae Unicorn Credit Card\nCardholder Agreement\nPlease read all of this Agreement, including the Arbitration Clause (Section 11), and keep it for your records.\n1. INTRODUCTION. This VISA\xc2\xae Unicorn Credit Card Cardholder Agreement, including the Important Disclosures (together, this\n\xe2\x80\x9cAgreement\xe2\x80\x9d) creates your contract with us concerning the Account and the Card. This Agreement contains important information\nabout your Account, such as your Annual Percentage Rates and certain Fees. Any amendments to this Agreement will also be part\nof this Agreement. This Agreement is effective immediately upon our issuance of an Account or Card upon approval of your\napplication.\nA. Certain Definitions.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your VISA\xc2\xae Unicorn 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 you, the\nAccount number, access checks or otherwise. \xe2\x80\x9cAuthorized User\xe2\x80\x9d also includes any person who, at your request, receives a Card\nbearing the name of such person and allowing access to your Account. We may limit the number of Authorized Users permitted on\nyour 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 Billing Cycle.\nEach statement closing date is the last day of that Billing Cycle. A Billing Cycle begins on the first day following a statement date\nand ends on the next statement date.\n\xe2\x80\x9cCard\xe2\x80\x9d means any initial or replacement credit card that we issue to you or to any Authorized User. We may replace your Card with\nanother 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 as of the end of a Billing Cycle, as shown on the monthly statement for that\nBilling Cycle.\n\xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean WSFS Bank and its successors, assigns, servicers, agents and representatives.\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 an Account, and any person who\nhas guaranteed payment of this Account, individually and together.\nB. Promise to Pay. You promise to pay us the amounts of all credit obtained on your Account resulting from transactions made\nby you, any Authorized User, and all persons you or any Authorized User allow to use your Account. This includes all Purchases\nand Cash Advances, as well as all Interest, Fees and any other charges owed under this Agreement.\nC. Account Use and Acceptance. By using your Card or Account, or letting someone else use your Card or Account, you agree to all\nthe terms of this Agreement. You acknowledge that you received a copy of this Agreement.\nYou may use your Account for lawful personal, family, or household purposes. You must not use your Account for business\nor commercial purposes, or to make a payment on this or any other credit account owned by 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 engage in an\nillegal 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 is subject\nto economic sanctions administered and enforced by the U.S. Department of the Treasury\'s Office of Foreign Assets Control.\nD. Amending This Agreement. We may amend this Agreement at any time and for any reason, by adding, deleting or changing\nany provisions of this Agreement, including provisions concerning Interest or Fees, in accordance with applicable law. We\nmay change this Agreement based on economic or market conditions, our business strategies or for any other reason, including,\nbut not limited to, reasons unrelated to you or your Account. We will notify you of amendments to this Agreement as required\nby applicable law. If an amendment gives you the opportunity to reject a change, and if you reject the change in the manner\nprovided in such amendment, we may close your Account and may ask you to return all credit devices as a condition of your\nrejection.\n\n3\n\n\x0c2. GOVERNING LAW. This Agreement is entered into in the State of Delaware, and we extend credit to you from the State of\nDelaware. The laws of the State of Delaware, without regard to conflict of laws principles, and applicable federal law govern this\nAgreement.\n3. USING YOUR ACCOUNT.\nA. Credit Availability.\n1. Your Credit Limit(s). We have discretion to determine the Credit Limit(s) on your Account. We assign and disclose to you\nan initial Credit Limit upon approval of your application and issuance of your Card. On each monthly statement, the total\nCredit Limit on your Account is shown as the \xe2\x80\x9cCredit Limit\xe2\x80\x9d and the total credit available is shown as \xe2\x80\x9cAvailable Credit.\xe2\x80\x9d\nOnly a portion of the Credit Limit may be available for Cash Advances (the \xe2\x80\x9cCash Advance Limit\xe2\x80\x9d). The amount of credit\navailable for Cash Advances is disclosed on each monthly statement as \xe2\x80\x9cAvailable Cash Advance.\xe2\x80\x9d At our discretion, at\nany time, we may change any Credit Limit that applies to your Account, as permitted by law. We will notify you if we\nchange any Credit 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 and\nCorrespondence located on the front of your monthly statement. We do not have to agree to any such request.\n2. Available Credit. The amounts shown on your monthly statement as Available Credit and Available Cash Advance do\nnot reflect Purchases, Cash Advances, Interest, Fees, any other transactions, or credits which we receive and post to your\nAccount after the Closing Date of that monthly statement. As a result, the actual amount of Available Credit and Available\nCash Advance may be different from the amounts shown on your monthly statement. You may telephone us at the customer\nservice number located on the front of your monthly statement or write to us at the address for Billing Inquiries and\nCorrespondence located on the front of your monthly statement for your available credit.\n3. Exceeding the Credit Limit. We are not required to approve any transaction that would result in the Account balance\nexceeding the Credit Limit or the Cash Advances balance exceeding the Cash Advance Limit. However, we may allow\nany such transaction at our discretion. If we refuse the transaction, we may advise the person attempting the transaction of\nthis fact.\nB. Types of Transactions. You may use your Account to obtain credit for Purchases and Cash Advances.\n1. Purchases. \xe2\x80\x9cPurchase\xe2\x80\x9d means the use of the Card, Account number, Mobile Device or other credit device to buy or lease\ngoods or services. A transaction that is defined as a Cash Advance is not a Purchase. If you use your Card to purchase\ngoods or services by telephone, mail, or internet, you agree that your signature is not necessary as identification in such\ncases.\n2. Cash Advances. \xe2\x80\x9cCash Advance\xe2\x80\x9d means: (1) use of the Card, Account number, Mobile Device or other credit device to\nobtain cash from a financial institution or an automatic teller machine (\xe2\x80\x9cATM\xe2\x80\x9d); (2) if we choose to allow it in our\ndiscretion, use of the Card, Account number, Mobile Device or other credit device to purchase a Cash Equivalent. A \xe2\x80\x9cCash\nEquivalent\xe2\x80\x9d includes traveler\xe2\x80\x99s checks, savings bonds, foreign currency, money orders, wire transfers, lottery tickets, gift\ncards, purchases or reloading o f prepaid cards, gaming chips and other i t e m s used for gambling transactions; or\n(3) if we choose to allow it in our discretion, use of an access check you sign as drawer. An \xe2\x80\x9caccess check\xe2\x80\x9d means a check\nwe send to you 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 expiration\ndate. We may decline an access check that posts prior to its expiration date if we suspect the access check to be fraudulent,\nif your Account is not in good standing or has insufficient available credit at the time the access check is presented for\npayment, or if the access check is damaged or unable to be processed.\n3. Mobile Devices. Any Purchases or other transactions made using a smart phone, tablet or other electronic device on which\nyour Account number and/or other Account information has been stored or downloaded (\xe2\x80\x9cMobile Devices\xe2\x80\x9d) are covered\nby the terms of this Agreement. Apps that use your Account information to make transactions may have separate terms of\nuse. We are not responsible if you violate those terms, or for any consequences resulting from any violation of those terms.\n4. Access Checks. You may not issue a postdated access check on your Account. If you do, we may, at our discretion, either\nhonor it upon presentment to us for payment, or return it unpaid to the person that presented it to us for payment, without\nwaiting for the date shown on the access check. We are not liable to you for any loss or expense as a result of either action.\nIf you want us to stop payment on an access check, telephone us at the customer service number located on the front of\nyour monthly statement or write to us at the address for Billing Inquiries and Correspondence located on the front of your\nmonthly statement. Give us the access check number, dollar amount and payee exactly as they appear on the access check.\nWe will not be liable to you if we cannot complete the stop payment request.\n\n4\n\n\x0c5. Foreign Transactions. If you make a transaction in a foreign currency (including for example purchasing online from a\nforeign merchant), the transaction amount will be converted to a U.S. dollar amount by VISA International in accordance\nwith VISA International\xe2\x80\x99s operating regulations or conversion procedures in effect at the time the transaction is processed.\nCurrently, those regulations and procedures provide that the currency conversion rate to be used is either the government\nmandated exchange rate or the wholesale exchange rate, in effect one day before the date of the conversion, as applicable.\nThe currency conversion rate used by VISA International on the currency conversion date may differ from the conversion\nrate in effect on the transaction date or posting date of the transaction. VISA International\xe2\x80\x99s procedures may change without\nnotice.\n6. Recurring Authorized Transactions. Recurring authorized transactions are automatic charges to your Account that you\nestablish with a merchant and authorize to occur on a regular basis, usually monthly. You must contact the merchant to\nstop a recurring charge. Also, if we send you a new Card or Account number, for example because your prior Card expired\nor was lost or stolen, it is your sole responsibility to provide merchants with updated Card or Account number information.\nWe are not liable for any Fees or other charges you incur because a recurring transaction did not transfer to a new Card or\na new Account number. Some merchants are able to automatically access your new Card or Account number, in which\ncase recurring transactions will continue.\nC. Refusal To Honor Your Account. We have discretion to refuse to honor any transaction presented on your Account for any\nreason or no reason. A merchant, business or financial institution may refuse to honor any transaction presented on your\nAccount. These include transactions made by Card, Account number, access check, Mobile Device, and any other credit device.\nWe are not liable for any refusal to honor your Account. We are not liable for retention of the Card by us, a financial institution,\nor any provider of goods or services.\nD. Statements.\n1. General. By the fourth day of the month that follows each monthly Billing Cycle, if there was activity on your Account,\nwe will post your statement in your Cred.ai mobile app or your account at www.unicorncard.ai. Your statement will show what\nyou owe, the Minimum Payment Due, the Payment Due Date, your current Credit Limit, an itemized list of Fees, charges,\npayments and credits posted to your Account during the Billing Cycle and other important information. We may also mail\nor deliver the monthly statement to the address we have on file for your Account. However, we reserve the right to change\nyour Account Billing address if the U.S. Postal Service notifies 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 customer service\nnumber located on the front of your monthly statement or writing us at the address for Billing Inquiries and Correspondence\nlocated on the front of your monthly statement. Until we receive, process and verify your new address, we may continue to\nsend monthly statements and other notices to the last address we have 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 longer than\nsix consecutive Billing Cycles (or, at our discretion, for a shorter time period). You may also request a refund of a credit balance\non your Account at any time. We may reduce the amount of any credit balance on your Account by applying the credit balance\ntowards new Fees and charges posted to your Account. We do not pay any Interest on credit balances.\nF. Payments.\n1. General. You must pay each month at least the Total Minimum Payment Due by the Payment Due Date shown on each\nmonthly statement on your Account. At any time, you may pay us more than the Total Minimum Payment Due, up\nto and including the total outstanding balance on your Account, without penalty. Any payments made in one Billing\nCycle will not count toward any Total Minimum Payment Due in the following Billing Cycle. Merchant credits or personto-person money transfers or other credits to your Account will not be treated as payments towards the Total Minimum\nPayment Due, unless we decide otherwise in our absolute discretion. We have discretion to accept or reject any payment(s)\nmade on your Account when there is a credit balance (i.e., you do not owe any amount on your Account and prior payments\nor 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 any payment\nthat is marked as \xe2\x80\x9cpaid in full\xe2\x80\x9d or with other restrictive writing and is less than the total outstanding balance on your\nAccount, we can credit that payment to your Account and you will remain fully liable for any remaining total outstanding\nbalance above the amount of your payment. No payment shall operate as an accord and satisfaction without the prior\nwritten approval of an officer of WSFS Bank authorized to provide such approvals.\nYou may not use a postdated check to make a payment. If you do try to use a postdated check to make a payment, we do\nnot have to wait for the date shown on the check and can either honor it upon presentment or return it uncredited to the\n\n5\n\n\x0cperson who presented the check. We are not liable to anyone for any loss or expense arising from the action(s) we take with\nrespect to such postdated check.\n2. Total Minimum Payment Due. The Total Minimum Payment Due in a Billing Cycle, shown on the statement for the\nimmediately preceding Billing Cycle (the \xe2\x80\x9cPrior Statement\xe2\x80\x9d), is equal to the greater of a) $25 or b) the sum of: 2% of the\nNew Balance on the Prior Statement, plus the amount by which the New Balance on the Prior Statement exceeds the Credit\nLimit, plus all new Interest and Fees shown on the Prior Statement, plus all past due amounts, rounded up to the nearest\nwhole dollar. However, the Total Minimum Payment Due will never be greater than the New Balance on the Prior\nStatement.\n3. Payment Allocation. We allocate payments at our discretion, subject to applicable law. Typically the amount of any\npayments, up to the Total Minimum Payment Due, will be allocated first to unpaid Fees and Interest, then to the balance\nwith the lowest APR and then to balances with higher APRs. Generally, payment amounts in excess of the Total Minimum\nPayment Due will be applied to balances with higher APRs before balances with lower APRs.\n4. Making Payments. We strongly encourage you to make payment by ACH. We do not accept payments in cash, and\npayments by mail may lead to higher Interest and Late Payment Fees. You can arrange for ACH payments on either\na recurring or one-time basis by going online to www.unicorncard.ai. Credit for any payment we accept that is not made\nin accordance with our payment instructions may be delayed for up to five (5) days. You may not include any restrictive\nendorsements on any payment and we may disregard any such endorsements. Payments may be made by mail or online.\nAll payments must be in U.S. dollars and drawn on a U.S. bank. \xe2\x80\x9cBusiness Day\xe2\x80\x9d is defined as Monday through Friday,\nexcluding federal holidays.\na. By Mail. Mailed payments received by 5 p.m. local time at the location specified on the front of the monthly statement\nafter the phrase, \xe2\x80\x9cPlease Mail Your Payments To\xe2\x80\x9d will be credited as of the date of receipt if: a single check or money\norder, not cash, is in the envelope we provide, with the monthly statement payment stub; the check or money order is\nin U.S. dollars and is issued by a financial institution in the United States; and, you follow the additional payment\ninstructions provided on or with the monthly statement. Payments received on a non-Business Day or after 5 pm local\ntime on a Business Day but that otherwise meet these requirements will be credited as of the next Business Day.\nb. Online. Payments may be made online using www.unicorncard.ai. These online payments will be credited as of the\ndate received if the payment is in U.S. dollars and drawn on a U.S. financial institution. H o w e v e r , p ayments\nreceived on a non-Business Day or after 5 pm Eastern Time on a Business Day but that otherwise meet these requirements\nwill be credited as of the next Business Day.\nc. 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 if it is\nreceived at an address other than the address we specify for payments on your monthly statement or if it is received\nwithout the required payment stub. Your available credit may not reflect a payment for up to 15 days after we have\ncredited a payment to your Account.\n5. Electronic Check Conversion. Each time you send a check as payment, you authorize us either to use information from\nyour check to make a one-time electronic funds transfer from the account on which the check is drawn or at our option to\nprocess the payment as a check transaction. Funds may be withdrawn from your bank account as early as the date your\ncheck is received and you will not receive your check back from your financial institution. If we cannot process the\nelectronic fund transfer, or if it is returned to us, you authorize us to reinitiate the electronic fund transfer from your bank\naccount. Alternatively, we may at our option present the original check or a substitute check, draft or similar negotiable\ninstrument to obtain payment. If you have questions about electronic check conversion, you may telephone us at the\ncustomer service number located on the front of your monthly statement, or write to us at the address for Billing Inquiries\nand Correspondence located on the front of your monthly statement.\nG. Unauthorized Use.\n1. Unauthorized Use of Your Account. If any Card, Account number, access check, or credit device is lost or stolen, or if\nyou think someone used or may use them without your permission, including use on a Mobile Device, you must notify us\nimmediately by calling the customer service number located on the front of your monthly statement.\n2. Your Liability for Persons Using Your Account. You are liable for: (a) any transactions made by you or an Authorized\nUser on your Account; (b) any transactions made by persons you allow to use your Account by providing access to any\nCard, Account number, access check, any other credit device, or any other information that would enable a person to\nconduct transactions that result in any charges to your Account; and (c) any Interest and Fees resulting from such use.\n\n6\n\n\x0cThese transactions are subject to all terms of this Agreement. You are liable for all of these transactions including, but not\nlimited to, transactions for which you may not have intended to be liable, and transactions which cause your total\noutstanding balance to exceed the Credit Limit.\nH. Lost or Stolen Cards, Account Numbers or Access Checks. If any Card, Account number, access check or credit device is\nlost or stolen, or if you think someone used or may use any of them without your permission, notify us AT ONCE by calling the\ncustomer service number located on the front of your monthly statement. You agree that we may close your Account to new\ntransactions, change your Account number(s) and/or issue you a new Card or Cards with a different Account number(s) if we\nhave been notified of the possible loss, theft or unauthorized use. If we do this, you must notify anyone you have authorized to\nsubmit and post charges to your Account of your new Account number. Do not use your Card or Account number after you\nnotify 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 Card that\nresults in a fraudulent transaction made over the VISA network. To be eligible, you must notify us immediately of any\nunauthorized use of your Account or Card. We will provisionally credit you for losses from the unauthorized Card use within\nfive Business Days of your notification to us of the loss. The VISA Zero Liability Policy does not apply to transactions made at\nan ATM or to any transactions made using your PIN that are not processed by VISA. We may impose greater liability, or\nwithhold, delay, limit or rescind any provisional credit that we provide to you under the Zero Liability Policy, based on factors\nsuch as your gross negligence or fraud, your delay in reporting unauthorized use, our investigation and verification of your\nclaim, your Account standing and history and other factors. If you are not eligible for the VISA Zero Liability Policy or it\notherwise does not apply, you may be liable for unauthorized use of your Account, but not for more than $50. You will not be\nliable for any unauthorized use of your Account that occurs after you notify us of the loss, theft or possible unauthorized use\nof your Card or Account number. We may require you to provide certain information in writing to help us find out what\nhappened. You 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.\nA. Interest Rates - Annual Percentage Rates (APRs). The Annual Percentage Rate or \xe2\x80\x9cAPR\xe2\x80\x9d is a rate, shown as a percentage,\nused to calculate Interest on your Account. We use different APRs for Purchases and Cash Advances. We use a Daily Periodic\nRate, with a corresponding APR, to calculate Interest on your Account. To get the Daily Periodic Rate we divide the APR by\n365. You can find your initial variable APR and Daily Periodic Rate for Purchases and your fixed APR and Daily Periodic\nRate for Cash Advances in the Important Disclosures, which are part of this Agreement. The APRs for Purchases vary with the\nmarket, based on the U.S. Prime Rate.\nB. Variable APRs. We calculate variable APRs for Purchases by adding a percentage, called a \xe2\x80\x9cMargin,\xe2\x80\x9d to an Index. Each\nBilling Cycle, the Index is the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal on the\nlast publication day of the latest calendar month ended prior to the beginning of such Billing Cycle each calendar month (the\n\xe2\x80\x9cDetermination Date\xe2\x80\x9d). The APR may increase or decrease at the beginning of each Billing Cycle if the Prime Rate has changed.\nThis new APR will apply to the existing Purchases balance and to new Purchases. If the APR increases, you will generally pay\nhigher Interest and have a higher Total Minimum Payment Due. If The Wall Street Journal stops publishing the U.S. Prime\nRate, we may, in our discretion, substitute another Index as permitted by law. You can find the Margin used for your Purchases\nAPR and the U.S. Prime Rate used for your initial Purchases APR in the Important Disclosures included as part of this\nAgreement.\nC. Paying Interest; Grace Period on Purchases. Your Payment Due Date is at least 25 days after the close of each Billing Cycle.\nWe will not charge you any Interest on Purchases if you pay your entire New Balance by the Payment Due Date each Billing\nCycle. We call a Billing Cycle without Interest on Purchases a \xe2\x80\x9cGrace Period.\xe2\x80\x9d We will begin charging Interest on each Cash\nAdvance on the transaction date of such Cash Advance. The transaction date for access checks, if permitted, is the date such\ncheck is first deposited or cashed, unless such check is created electronically in which case the transaction date will be the date\nof the check\xe2\x80\x99s creation. (You cannot avoid Interest on Cash Advances by paying the New Balance in full by the Payment Due\nDate.)\nD. Calculating Interest. We calculate Interest for a Billing Cycle by multiplying the Balance Subject to Interest Rate for each\nBalance Type (Purchases or Cash Advances) by its applicable Daily Periodic Rate and the number of days in the Billing Cycle.\nThe total Interest for a Billing Cycle is the sum of the Interest for each Balance Subject to Interest Rate.\nE. Balances Subject to Interest Rates. For each Balance Type, whether Purchases or Cash Advances, the Balance Subject to\nInterest Rate is the Average Daily Balance for the Balance Type. The Average Daily Balance for a Billing Cycle equals the\nsum of the daily Purchases or Cash Advances balances, as applicable, for each day of the Billing Cycle, divided by the number\nof days in the Billing Cycle. However, the daily balance is never less than $0. Also, for Billing Cycles in which a Grace Period\n\n7\n\n\x0capplies, the Average Daily Balance for Purchases for that Billing Cycle is $0.\n1. We get each day\xe2\x80\x99s Cash Advances balance as follows:\na. For each day, we start with the previous day\xe2\x80\x99s Cash Advances balance, if any.\nb. We add any new Cash Advances and subtract any payments or credits applied to Cash Advances as of that day. This\nmeans that a Cash Advance taken on one day and repaid the same day will never be reflected in any Cash Advances\nbalance and will never give rise to Interest.\n2. We get each day\xe2\x80\x99s Purchases balance as follows:\na. For each day, we start with the prior day\xe2\x80\x99s Purchases balance, if any.\nb. As of the first day of the Billing Cycle, if the immediately preceding Billing Cycle was a Grace Period we retroactively\nsubtract all payments and credits applied to Purchases and posted by the Payment Due Date in such Billing Cycle.\nc. For each day in the Billing Cycle (including the first day of the Billing Cycle), we add any new Purchases posted to\nyour Account and subtract any payments or credits applied to Purchases as of that day. However, we do not subtract\na second time any payments or credits that have already been subtracted in step (b) above.\nF. When We Start Charging Interest.\n1. On each Cash Advance, we will begin charging Interest on the transaction date of such Cash Advance.\n2. On each Purchase, we charge Interest from the post date on your Periodic Statement unless the Purchase posts during a\nGrace Period. If the Purchase posts during a Grace Period but the next Billing Cycle is not a Grace Period, we start charging\nInterest as of the first day of that next Billing Cycle on the portion of the Purchase, if any, that is not paid by the Payment\nDue Date in that Billing Cycle. We do not charge Interest on any Purchase that is made during a Grace Period and paid in\nfull by the Payment Due Date in the next Billing Cycle.\nG. Treatment of Fees and Interest; No Compounding. We do not charge Interest on Fees or Interest. We do not include Fees\nor Interest in Purchases or Cash Advances balances.\nH. NOTICE TO COVERED BORROWERS UNDER THE MLA - Statement of MAPR: Federal law provides important\nprotections to members of the Armed Forces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d) relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a Covered Borrower may not exceed an Annual Percentage Rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit insurance\npremiums; (2) fees for ancillary products sold in connection with the credit transaction; (3) any application fee charged (other\nthan certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other than\ncertain participation fees for a credit card account). Oral Disclosures. Before signing this Agreement, in order to hear important\ndisclosures and payment information about this Agreement, please contact us at 1-877-211-2551 for information and\ndisclosures on protections offered to you under the Military Lending Act.\n5. FEES. You agree to pay the Fees described below whenever applicable.\nA. No Annual Fee. We will not charge you Annual Fees or other participation fees.\nB. No Transaction Fees\n1. No Cash Advance Fees. We will not charge you Transaction Fees on Cash Advances.\n2. No Foreign Transaction Fee. We will not charge you Transaction Fees on Foreign Transactions.\nC. Late Payment Fee. We will charge you a Late Payment Fee if we do not receive at least your Total Minimum Payment Due\non or before its Payment Due Date. The Late Payment Fee is $25, provided, however, that the Late Payment Fee will not exceed\nthe 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 for any reason.\nThe Returned Payment Fee is $25, provided, however, that the Returned Payment Fee will not exceed the Total Minimum\n\n8\n\n\x0cPayment Due immediately prior to assessment of the Fee and will not exceed the amount of the payment being returned. Also,\nwe will not charge you more than a single Returned Payment Fee and/or Late Payment Fee with respect to the same Minimum\nPayment Due. If any payment is returned unpaid, we may resubmit it to your bank. Your bank may charge its own overdraft or\nnon-sufficient funds fees in connection with returned payments.\nE. Incidental Fees.\n1. Replacement Card Fee. We may charge you up to a $20 Card Re-Issue Fee for each replacement Card we provide in such\ncalendar year.\n2. Stop Payment Fee. If you ask us to stop payment on an access check, we may charge you a Stop Payment Fee of $35.\n3. Paper Statement Fee. We may charge you a Paper Statement Fee of $25 each time you request and we provide you with a\npaper copy of any monthly statement unless the request is made in connection with a written notice of a billing error. We\nwill donate the Paper Statement Fee to the National Forest Foundation.\n4. Additional Fees. We may charge additional Fees for separate services we provide you, in accordance with applicable law.\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 applicable Payment Due Date;\n2. you allow the total outstanding balance on your Account to exceed your Credit Limit and fail to reduce the balance to your\nthe Credit Limit immediately upon our demand;\n3. you violate any 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, whether in writing, electronically or verbally;\n8. you fail to promptly provide information in response to any request we make;\n9. you die or a court enters an order declaring you to be either temporarily or permanently mentally incapacitated or incompetent;\nor\n10. you are in default of, or terminate or cause to be terminated, any other agreement you have with us or any of our affiliates;\nB. Our Rights If You Default. If you default under this Agreement, we may take any and all actions permitted by law including,\nbut not limited to, requiring you immediately to pay the total outstanding balance on your Account, suspending your Account\nuntil such time as the total outstanding balance has been paid, permanently closing your Account or taking any other actions\nprovided in this Agreement.\nC. Collection Costs. Subject to applicable law, you agree to pay us for all collection costs incurred if we refer your Account for\ncollection to any attorney, collection agency, person or entity that is not our salaried employee. Collection costs include all\namounts permitted by applicable law including, but not limited to, attorneys\xe2\x80\x99 fees, court costs, and collection agency fees.\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 prohibited by\napplicable law. We may do this in our discretion, for any reason or for no reason, and without prior notice. The closure or\nsuspension of your Account does not relieve you of any responsibilities set forth in this Agreement. Upon the closing or\nsuspension of your Account, you remain fully liable for the total outstanding balance on your Account, including all transactions,\nFees and Interest that accrued prior to closure or suspension and any that accrue after your Account has been closed or\n\n9\n\n\x0csuspended.\nB. Your Right to Close your Account. You may close your Account at any time by calling us at the customer service number\nlocated on the front of your monthly statement or writing to us at the address for Billing Inquiries and Correspondence located\non the front of your monthly statement. Closing your Account does not relieve you of any responsibilities set forth in this\nAgreement. Specifically, you remain liable for the total outstanding balance on your Account, including all transactions,\nInterest, and Fees that have accrued on your Account and any that accrue 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, neither you, any\nAuthorized User(s) or any person(s) you or any Authorized User allow to use your Account are allowed to use your Account\nfor any transaction. Upon closing of your Account, you must: (1) destroy all Cards and access checks and any other credit\ndevices on your Account over which you have possession or the ability to access (including permanently removing any\nprograms allowing access to the Account on any Mobile Device); (2) cause all Authorized Users to destroy any Cards, access\nchecks and any other credit devices on your Account in their possession, and inform them that they must not attempt or make\nany further transactions on your Account; (3) advise all persons you or any Authorized User allow to use your Account, that\nthey must not make or attempt or make any further transactions on your Account; and (4) advise all third parties to whom you\nhave given permission 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, including\nthe failure to have a recurring charge paid in a timely manner. We are not liable in any way for any legal, financial or other\nconsequences that may occur as the result of closing your Account.\n8. COMMUNICATIONS WITH YOU.\nA. How We Communicate With You. To the extent permitted by applicable law, you authorize us and our agents, assigns and\nservice providers (collectively, the \xe2\x80\x9cMessaging Parties\xe2\x80\x9d) to contact you using automatic telephone dialing systems, artificial\nor prerecorded voice message systems, text messaging or push notification systems and automated email systems to provide\nyou with information about the Card, the Account and/or this Agreement, including information about upcoming payment\ndates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone\nnumbers (including wireless, landline and VOIP numbers) or email addresses you supply to the Messaging Parties, including\nin connection with the Application, the Messaging Parties\xe2\x80\x99 servicing and/or collection of amounts you owe under this\nAgreement, or any other transaction involving you and the Messaging Parties. You understand that anyone with access to your\ntelephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the\nMessaging Parties will have no liability for any resulting loss of privacy. You further understand that, when you receive a\ntelephone call, text message or email, you may incur a charge from the company that provides you with telecommunications,\nwireless and/or Internet services, and you agree that the Messaging Parties will have no liability for such charges except to the\nextent required by applicable law. You agree that this authorization constitutes a bargained for exchange. To the extent you\nhave the right under applicable law to revoke this authorization, you agree you may do so only by mail to: Card Services, Attn:\n\xe2\x80\x9cTCPA Opt-Out,\xe2\x80\x9d P.O. Box 63688, Philadelphia, PA 19147. To stop emails, you can follow the opt-out instructions included\nat the bottom of the Messaging Parties\xe2\x80\x99 emails. If any telephone number you have provided to the Messaging Parties changes,\nor if you cease to be the owner, subscriber or primary user of any such telephone number, you agree to immediately give us\nnotice of such facts so we can update their records. You understand and agree that, subject to applicable law, the Messaging\nParties may monitor and/or record any of your telephone conversations with any of their representatives, but they are not\nrequired to do so.\nB. Notices Concerning Your Account. You agree that we may send any and all required notices concerning your Account to the\nphysical address provided to us as your billing address. In addition, if you agree to email notifications, then we may send any and\nall required notices to any email address you provide to us. Any notices we send to you, to your email or billing address, will\nbe deemed sent upon mailing.\n9. INFORMATION SHARING. You authorize us to collect information about you as permitted by applicable law. We collect\ninformation from credit reporting agencies and other third parties that have financial information about you. You authorize us to\nshare your Account information about you and any Authorized User(s) with our affiliates and third parties including credit reporting\nagencies. Please see our Privacy Policy, which is included in your Account opening material. It describes the reasons WSFS Bank can\nshare its customers\xe2\x80\x99 personal information.\n10. Miscellaneous.\nA. Account Benefits. We may offer you certain third-party benefits and services with your Account, as outlined in benefits\nbrochures or other documents and internet web sites. For example, certain eligible purchases charged with a VISA\xc2\xae Card may be\n\n10\n\n\x0celigible for certain benefits or services through VISA U.S.A. Inc. (or its affiliates). Any benefits or services we make available\nthrough third parties (including without limitation VISA U.S.A. Inc.) are not a part of this Agreement, but are subject to the\nterms and restrictions outlined in the applicable benefits brochures or other documents or internet web sites provided or made\navailable to you from time to time. You agree that we may give information about you, any Authorized User, and your Account,\nto any third party reasonably needing the information to provide you with such benefits or services. You also agree that we or\nany third party providing any Account- related benefits or services may change, add, or delete benefits or services at any time\nwithout notice to you.\nB. Enforcing this Agreement; Severability. We may delay or waive enforcing any of our rights or exercising any of our remedies\nunder this Agreement or under applicable law without losing any of those rights or remedies. Even if we do not enforce our\nrights or exercise our remedies at any one time, we may enforce or exercise them at a later time. Except as otherwise provided\nin the Arbitration Clause, if any provision of this Agreement is found to be invalid or unenforceable, it shall not affect or impair\nthe validity 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 organization. They\nare 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, any amounts\ndue on your Account, this Agreement, or our rights or obligations under your Account or this Agreement to any person or\nentity. The person or entity to whom we make any such sale, assignment or transfer shall be entitled to all of our rights and\nshall assume our obligations under this Agreement, to the extent sold, assigned or transferred. You may not sell, assign or\ntransfer your Account or any of your rights or obligations under this Agreement.\nE. No Security. Your Account is unsecured. We are not taking (and waive) any security interest in any property in connection\nwith your Account.\nF. Evidence. You agree that we may use a copy, microfilm, microfiche or digital image of any monthly statement or other\ndocument to prove what you owe us and that the copy, microfilm, microfiche or digital image will have the same validity as\nthe original.\nG. Entire Agreement. This Agreement is the entire agreement between you and us relating to your Account. This Agreement\nreplaces any prior agreement relating to your Account. In the event of a conflict between this Agreement (including the other\ndocuments that are part of this Agreement) and any other document, this Agreement will control unless otherwise expressly\nprovided in the other document.\nH. Cardholder: Your name, address and signature (including any electronic or digital signature) and the date on any application\nor solicitation or on any sales slip or other evidence of indebtedness on your Account represent your name, address and signature\nand the date on this Agreement.\nI.\n\n11\n\nNotice and Cure. Before starting a lawsuit or arbitration regarding a legal dispute or claim relating to this Agreement or the\nAccount (as more fully defined in the Arbitration Clause, a \xe2\x80\x9cClaim\xe2\x80\x9d), the party asserting the Claim (the \xe2\x80\x9cClaimant\xe2\x80\x9d) must\ngive the other party (the \xe2\x80\x9cDefending Party\xe2\x80\x9d) written notice of the Claim (a \xe2\x80\x9cClaim Notice\xe2\x80\x9d). The Claim Notice must explain\nin reasonable detail the nature of the Claim, any supporting facts and the relief that is demanded. If we are the Claimant, we\nmust send the Claim Notice to you to the address or email address for you maintained in our records. If you are the Claimant,\nyou or an attorney you have personally hired must send the Claim Notice to UNICORN Credit Card Services, P.O. Box\n63688, Philadelphia, PA 19147 (or such other address as we subsequently provide you). You (or your attorney) must provide\nyour full name, the last five digits of your Account number and a phone number where you (or your attorney) can be reached.\nAn attorney sending a Claim Notice on your behalf must attach a writing signed by you to the Claim Notice, explicitly\nauthorizing the attorney to act on your behalf. Once a Claim Notice is sent, the Complaining Party must give the Defending\nParty a reasonable opportunity over the next 30 days to resolve the Claim on an individual basis. The Claimant must\nreasonably cooperate in providing any information about the Claim that the Defending Party reasonably requests.\n\n\x0cARBITRATION CLAUSE\xe2\x80\x94EXHIBIT A\nWe have put this Arbitration Clause (\xe2\x80\x9cClause\xe2\x80\x9d) in question and answer form to make it easier to understand. However, this Clause is\npart of this Agreement and is legally binding. For purposes of this Clause, our Notice Address is: UNICORN Credit Card Services,\nAttention: Legal, P.O. Box 63688, Philadelphia, PA 19147.\nBackground and Scope.\n\nQuestion\n\nShort Answer\n\nFurther Detail\n\nWhat is\narbitration?\n\nAn alternative\nto a court case\n\nIn arbitration, a third party arbitrator (\xe2\x80\x9cTPA\xe2\x80\x9d) resolves \xe2\x80\x9cClaims\xe2\x80\x9d (as defined below) in a\nhearing. It is less formal than a court case.\n\nIs it different\nfrom court and\njury trials?\n\nYes\n\nThe hearing is private. There is no jury. It is usually less formal, faster and less expensive than\na lawsuit. Pre-hearing fact finding (called \xe2\x80\x9cdiscovery\xe2\x80\x9d) is limited. Appeals are limited. Courts\nrarely overturn arbitration awards.\n\nCan you opt-out\nof this Clause?\n\nYes, within 60\ndays\n\nIf you do not want this Clause to apply, you must send us a signed notice within 60 calendar\ndays after you agree to this Agreement. You must send the notice in writing (and not\nelectronically) to our Notice Address, Attn. Arbitration Opt-Out Notice. Provide your name,\naddress and date. State that you \xe2\x80\x9copt out\xe2\x80\x9d of the arbitration clause.\n\nWhat is this\nClause about?\n\nThe parties\'\nagreement to\narbitrate\nClaims\n\nUnless you are a member of the Armed Forces or a dependent of such a member, protected by\nthe MLA (a \xe2\x80\x9cCovered Borrower\xe2\x80\x9d) or unless you opt out, you and we agree that any party may\nelect to arbitrate or require arbitration of any "Claim" as defined below.\n\nWho does the\nClause cover?\n\nYou, us, and\ncertain\n"Related\nParties"\n\nThis Clause governs you, us and our \xe2\x80\x9cRelated Parties": (1) our parents, subsidiaries and\naffiliates; (2) employees, directors, officers, shareholders, members and representatives of ours\nor such other entities; and (3) any person or company that is involved in a Claim you pursue at\nthe same time you pursue a related Claim against the Bank. However, this Clause does not\napply if you are a Covered Borrower.\n\nAll Claims\n(except certain\nClaims about\nthis Clause)\n\nThis Clause governs all \xe2\x80\x9cClaims\xe2\x80\x9d that would usually be decided in court and are between the\nBank or any Related Party and you. In this Clause, the word \xe2\x80\x9cClaims\xe2\x80\x9d has the broadest\nreasonable meaning. It includes contract and tort (including intentional tort) claims and claims\nunder constitutions, statutes, ordinances, rules and regulations. It includes all claims even\nindirectly related to the Card or Account, your application for the Account, this Agreement or\nour relationship with you. It includes claims related to collections, privacy and customer\ninformation. It includes claims related to the validity in general of this Agreement. However, it\ndoes not include Claims about the validity, coverage or scope of this Clause or any part of\nthis Clause. All such Claims are for a court and not the TPA to decide.\n\nWhat Claims\ndoes the Clause\ncover?\n\nArbitrations are conducted under this Clause and the rules of the arbitration company in effect\nat the time the arbitration is commenced. However, arbitration rules that conflict with this\nClause do not apply. The arbitration company will be either:\n\nWho handles the\narbitration?\n\n\xe2\x80\xa2\n\nThe American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York,\nNY 10019, www.adr.org.\n\n\xe2\x80\xa2\n\nJAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com.\n\n\xe2\x80\xa2\n\nAny other company picked by agreement of the parties.\n\nUsually AAA\nor JAMS\n\nIf all the above options are unavailable, a court will pick the arbitration company. No\n\n12\n\n\x0cQuestion\n\nShort Answer\n\nFurther Detail\narbitration brought on a class basis may be administered without our consent by any\narbitration company that would permit class arbitration under this Clause. The TPA will\nbe selected under the arbitration company\'s rules. However, the arbitrator must be a lawyer with\nat least ten years of experience or a retired judge unless you and we otherwise agree.\n\nCan Claims be\nbrought in\ncourt?\n\nSometimes\n\nYou or we may bring a lawsuit if the other party does not demand arbitration. We will not\ndemand arbitration of any lawsuit you bring as an individual action in small-claims court.\nHowever, we may demand arbitration of any appeal of a small-claims decision or any smallclaims action brought on a class basis.\nFor Claims subject to this Clause, you give up your right to:\n\nAre you giving\nup any rights?\n\nYes\n\n1.\n\nHave juries decide Claims.\n\n2.\n\nHave courts, other than small-claims courts, decide Claims.\n\n3.\n\nServe as a private attorney general or in a representative capacity.\n\n4.\n\nJoin a Claim you have with a Claim by other consumers.\n\n5.\n\nBring or be a class member in a class action or class arbitration.\n\nWe also give up the right to a jury trial and to have courts decide Claims you wish to\narbitrate.\nCan you or\nanother\nconsumer start\nclass\narbitration?\nWhat happens if\npart of this\nClause cannot\nbe enforced?\n\nNo\n\nIt depends.\n\nThe TPA is not allowed to handle any Claim on a class or representative basis. All Claims\nsubject to this Clause must be decided in an individual arbitration or an individual small-claims\naction. This Clause will be void if a court rules that the TPA can decide a Claim on a class basis\nand the court\'s ruling is not reversed on appeal.\nIf any portion of this Clause cannot be enforced, the rest of this Clause will continue to apply,\nexcept that:\n\n(A)\n\nIf a court rules that the TPA can decide a Claim on a class or other representative\nbasis and the court\'s ruling is not reversed on appeal, only this sentence will apply and the\nremainder of this Clause will be void. AND\n\n(B)\n\nIf a party brings a Claim seeking public injunctive relief and a court determines that\nthe restrictions in this Clause prohibiting the TPA from awarding relief on behalf of third\nparties are unenforceable with respect to such Claim (and that determination becomes final\nafter all appeals have been exhausted), the Claim for public injunctive relief will be determined\nin court and any individual Claims seeking monetary relief will be arbitrated. In such a case\nthe parties agree to request that the court stay the Claim for public injunctive relief until the\narbitration award pertaining to individual relief has been entered in court.\nIn no event will a Claim for class relief or public injunctive relief be arbitrated.\n\nWhat law\napplies?\n\n13\n\nThe Federal\nArbitration\nAct (\xe2\x80\x9cFAA\xe2\x80\x9d)\n\nThis agreement involves interstate commerce. Thus, the FAA governs this Clause. The TPA\nmust apply substantive law consistent with the FAA. The TPA must honor statutes of limitation\nand privilege rights. Punitive damages are governed by the constitutional standards that apply\nin judicial proceedings.\n\n\x0cQuestion\nWill anything\nyou do make\nthis Clause\nineffective?\n\nShort Answer\n\nNo\n\nFurther Detail\n\nThis Clause stays in force even if: (1) this Agreement ends; or (2) we transfer or assign our\nrights under this Agreement.\n\nProcess.\n\nQuestion\nWhat must a\nparty do before\nstarting a\nlawsuit or\narbitration?\n\nShort Answer\n\nFurther Detail\n\nSend a written\nClaim Notice\nand work to\nresolve the\nClaim\n\nBefore starting a lawsuit or arbitration, the Claimant must comply with Section 10-I of this\nAgreement, captioned \xe2\x80\x9cNotice and Cure.\xe2\x80\x9d\n\nHow does\narbitration\nstart?\n\nMailing a\nnotice\n\nIf the parties do not reach an agreement to resolve the Claim within 30 days after notice of the\nClaim is received, the Complaining Party may start a lawsuit or arbitration, subject to the terms\nof this Clause. To start arbitration, the Complaining Party picks the arbitration company and\nfollows the arbitration company\'s rules. If one party starts or threatens a lawsuit, the other party\ncan demand arbitration. This demand can be made in court papers. It can be made if a party\nstarts a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration\ndemand is made, no lawsuit can be brought and any existing lawsuit must stop.\n\nWill any hearing\nbe held nearby?\n\nYes\n\nThe TPA may decide that an in-person hearing is unnecessary and that he or she can resolve a\nClaim based on written filings and/or a conference call. However, any in-person arbitration\nhearing must be held at a place reasonably convenient to you.\n\nWhat about\nappeals?\n\nVery limited\n\nAppeal rights under the FAA are very limited. The TPA\'s decision will be final and binding,\nexcept for any FAA appeal right. Any appropriate court may enter judgment upon the\narbitrator\'s award.\n\nNo\n\nNo arbitration award involving the parties will have any impact as to issues or claims in any\ndispute involving anyone who is not a party to the arbitration, nor will an arbitration award in\nprior disputes involving other parties have any impact in an arbitration between the parties to\nthis Clause.\n\nDo arbitration\nawards affect\nother disputes?\n\nArbitration Fees and Awards.\n\nQuestion\nWho bears\narbitration fees?\nWhen will we\ncover your legal\nfees and costs?\n\n14\n\nShort Answer\n\nFurther Detail\n\nUsually, we do\n\nWe will pay all filing, administrative, hearing and TPA fees if you act in good faith, cannot get\na waiver of such fees and ask us to pay.\n\nIf you win\n\nIf you win an arbitration, we will pay your reasonable fees and costs for attorneys, experts and\nwitnesses. We will also pay these amounts if required under applicable law or the arbitration\ncompany\'s rules or if payment is required to enforce this Clause. The TPA shall not limit his or\nher award of these amounts because your Claim is for a small amount.\n\n\x0cQuestion\nWill you us for\narbitration or\nattorneys\' fees?\n\nShort Answer\n\nOnly for bad\nfaith\n\nFurther Detail\nThe TPA can require you to pay fees incurred by us if (and only if): (1) the TPA finds that you\nhave acted in bad faith (as measured by the standards set forth in Federal Rule of Civil\nProcedure 11(b)); and (2) this power does not make this Clause invalid.\n\nCan a failure to\nresolve a Claim\ninformally result\nin a larger\nrecovery for\nyou?\n\nYes\n\nYou are entitled to an arbitration award of at least $5,000 if: (1) you give us notice of a Claim\non your own behalf (and not on behalf of any other party) and comply with all of the\nrequirements of this Clause (including the requirements described in response to the question\nreading "What must a party do before starting a lawsuit or arbitration?)"; and (2) the TPA\nawards you money damages greater than the last amount you requested at least ten days before\nthe arbitration commenced. This is in addition to the attorneys\' fees and expenses (including\nexpert witness fees and costs) to which you are otherwise entitled. This $5,000 minimum award\nis a single award that applies to all Claims you have raised or could have raised in the\narbitration. Multiple awards of $5,000 are not contemplated by this Clause. Settlement demands\nand offers are strictly confidential. They may not be used in any proceeding by either party\nexcept to justify a minimum recovery of $5,000.\n\nCan an award\nbe explained?\n\nYes\n\nA party may request details from the TPA, within 14 days of the ruling. Upon such request, the\nTPA will explain the ruling in writing.\n\n15\n\n\x0cADDITIONAL NOTICES AND DISCLOSURES\xe2\x80\x94EXHIBIT B\nYour 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 Periodic Statement\nIf you think there is an error on your statement, please call us at the toll-free number on the back of your card or write to us at:\nCard Services\nP.O. Box 63688\nPhiladelphia, PA 19147\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nCard information: Your name and account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe\nit is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors 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:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we 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:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you Interest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\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\nIf we made a mistake: You will not have to pay the amount in question or any Interest or other Fees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable Interest and\nFees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled 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 question even if your bill 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 credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\n16\n\n\x0c1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. 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, please call us at the toll-free number on the back of\nyour card or write to us at:\nCard Services\nP.O. Box 63688\nPhiladelphia, PA 19147\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nState Notices\nNotice to California Residents: Married applicants may apply for a separate account(s).\nNotice to Delaware and Oregon Residents: Service charges not in excess of those permitted by law will be charged on the\noutstanding balance from month to month. You may pay more than the minimum payment due, up to your entire balance, at any\ntime.\nNotice to New York Residents: New York Residents may contact the New York State Department of Financial Services by\ntelephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State\nDepartment of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov.\nNotice to 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 upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nNotice to Rhode Island and Vermont Residents: A consumer credit report may be ordered in connection with this\napplication, or subsequently for purposes of review or collection of the Account, increasing the credit line on the Account,\nor other legitimate purposes associated with the Account. If you are a Vermont resident, you consent to the obtaining of such\nreports by signing or otherwise submitting a credit application.\nNotice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section\n766.59 of the Wisconsin Statutes or court decree under Section 766.70, adversely affects the Interest of the creditor, WSFS\nBank, unless WSFS Bank, prior to the time of the credit is granted, is furnished a copy of that agreement, statement or decree,\nor has actual knowledge of the adverse provision when the obligation to WSFS Bank is incurred. YOU PROMISE IF YOU\nARE MARRIED, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR\nMARRIAGE OR FAMILY. Married applicants must provide their Social Security number and address and their spouse\'s name\nand address to UNICORN Credit Card Services, P.O. Box 63688, Philadelphia, PA 19147. If the card for which you are\napplying is granted, you will notify WSFS Bank if you have a spouse who needs to receive notification that credit has been\nextended to you.\n\n17\n\n\x0cUNICORN CARD PRICING INFORMATION\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n17.76%\nThis APR will vary with the market based on the Prime Rate.*\n\nAPR for Cash Advances\n\n24.99%\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each Billing Cycle. We will\nnot charge you any Interest on purchases if you pay your entire balance by the\ndue date each month.\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 credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $25.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new\npurchases)." See section 4.E. (Balances Subject to Interest Rates) of the Unicorn Credit Card Cardholder\nAgreement for more details.\n*Prime Rate: The Purchases APR on Unicorn Credit Card accounts will be determined each Billing Cycle by\nadding a 14.51% margin to the Prime Rate (U.S.) as published in The Wall Street Journal which was 3.25% as\nof the end of the preceding calendar month. See section 4.B. (Variable APRs) of the Unicorn Credit Card\nCardholder Agreement for more details.\n\n\x0c'


b'WSFS Bank Platinum Visa\xc2\xae\nCredit Card Terms and Conditions\n\nRates, fees, and other important costs of the WSFS Bank Platinum Visa credit card are disclosed below. Additional fees\nand account terms are described in the WSFS Bank Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) that will be enclosed with the\ncard if a card is issued. The terms disclosed below and in the Agreement may be changed at any time subject to\napplicable law. Based on our evaluation of your credit report and other factors, if approved for a WSFS Bank Credit Card,\nyou will receive a credit card account ("Account") with a minimum credit line of $500. For purposes of these disclosures,\n\xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who applies for an Account.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Cash Advances\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\n10.49%, 13.49%, 16.49% or 19.49%, based on\nyour creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n24.99%\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nIf you are charged interest, the charge will be no less than $2.00.\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nNone\nEither $10 or 3% of the amount of each Balance Transfer, whichever is\ngreater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 3% of the amount of each Cash Advance, whichever is\ngreater.\n\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\n3% of each transaction in U.S. dollars.\n\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $35.\nUp to $35.\n\nHow We Will Calculate Your Balance: For Purchase and Balance Transfer balances, we use a method called \xe2\x80\x9caverage\ndaily balance (excluding new purchases and new balance transfers).\xe2\x80\x9d For Cash Advance balances, we use a method\ncalled \xe2\x80\x9caverage daily balance (including new cash advances).\xe2\x80\x9d\nBilling Rights Summary: Information on your right to dispute transactions is included with the account-opening\ndisclosures (card mailer) and your monthly periodic statement.\n_\n\n1\n\n_\n\n_\n\n_\n\n\x0cHow the Variable APRs on your Account are Determined: Unless an introductory or promotional APR is applicable, the\nAPRs on your Account for Purchases and Balance Transfers will be determined each billing cycle by adding a \xe2\x80\x9cmargin\xe2\x80\x9d to\nthe \xe2\x80\x9cIndex\xe2\x80\x9d. Please see below and in your Agreement for more information.\nHow Daily Periodic Rates Are Used To Calculate Interest: The daily periodic rate for your Purchase and Balance\nTransfer APR is 0.02874%, 0.03696%, 0.04518% or 0.05340%, and Cash Advance APR is 0.06847%.\nMargins: For Purchases and Balance Transfers, margins of 7.24%, 10.24%, 13.24% or 16.24% will be added to the Index,\nbased on your creditworthiness.\nIndex: The APRs that apply to your Account for Purchases and Balance Transfers are subject to change each Billing Cycle\nwith changes to the Index. The Index is the Prime Rate (U.S.) as published in the Money Rates section of The Wall Street\nJournal. As of 3/16/2020, the Prime Rate was 3.25%.\nPayment Allocation. Payments are allocated at our discretion as permitted by applicable law. The amount of each\npayment equal to the Total Minimum Payment Due is allocated first to unpaid Transaction Fees, Account Fees, and\nMinimum Interest Charges, then to unpaid interest charges, then to the balance with the lowest APR and then to balances\nwith higher APRs. Payment amounts in excess of the Total Minimum Payment Due will be applied to balances with higher\nAPRs before balances with lower APRs.\nImportant Information About Procedures for Opening a New Account (USA Patriot Act): To help the government\nfight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify\nand record information that identifies each person who opens an account. What this means to you: When you open an\naccount, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may\nalso ask to see your driver\xe2\x80\x99s license or other identifying documents.\nAbout This Credit Card Program: This credit card program is issued and administered by Wilmington Savings Fund\nSociety, FSB located in Wilmington, Delaware. Any Account opened in response to this application shall be governed by\nthe laws of the State of Delaware. Visa is a registered trademark and service mark of Visa International Service\nAssociation, and is used pursuant to a license.\nCard Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality and\nother requirements.\nBalance Transfers: You may be able to transfer balances from eligible credit card accounts to your Account. Balance\nTransfers are subject to a fee based on the amount of the transfer with a minimum fee as indicated in the Fees\nTable above, and are subject to your available credit limit. If the total amount requested exceeds your available credit\nlimit, we may send full or partial payment to your creditors in the order provided to us.\nWe may limit the number and types of accounts from which we will allow Balance Transfers, and the times, manner, and\ncircumstances in which Balance Transfers may be requested. Balance Transfers may not be payable to you or made\npayable to cash. Balance Transfers may be used to pay off other creditors, but cannot be used to pay down or to pay off\naccounts owned by WSFS Bank or to any bank now or previously affiliated with WSFS Bank.\nIt may take 2 to 4 weeks to process a Balance Transfer request after your Account is opened. You must continue paying\neach of your creditors until the requested Balance Transfer appears on your monthly billing statement sent to you by your\ncreditor as a credit. Your other account(s) will not be closed even if you transfer your entire balance(s). If you want to\nclose such other account(s), please contact your other creditors directly. Note that if you have a dispute with a creditor and\npay that balance by transferring it to your Account, you may lose certain dispute rights.\nIntroductory or Promotional APRs on Balance Transfers: If you take advantage of a 0% Introductory or\nPromotional Annual Percentage Rate (APR) Balance Transfer offer and then you use your Account to make new\nPurchases, you can avoid paying interest on those new Purchases if you pay the Minimum Payment Due and the\ntotal outstanding Purchases balance (this includes any fees that may have been assessed to your Account) by the\nPayment Due Date shown on your monthly billing statement. By following these instructions and paying timely,\n\n2\n\n\x0cyou will not be assessed interest on new purchases made during that billing cycle and you will be able to maintain\nthe benefits of carrying balance transfer balances at the 0% introductory APR.\nTransfers requested with Convenience Checks are processed as Cash Advances, not as Balance Transfers. If you\nhave a dispute with a creditor and pay that creditor with a Balance Transfer or Convenience Check, you may lose certain\ndispute rights with that creditor.\nYour Telephone Number: When you give us your mobile phone number, we have your permission to contact you at that\nnumber about your Account. Your consent allows us to use text messaging, artificial or pre-recorded voice messages and\nautomatic dialing technology for informational and Account service calls, but not for telemarketing or sales calls. It may\ninclude contact from companies working on our behalf to service your Account(s). Message and data rates may apply.\nYou may contact us anytime to change these preferences.\nMonitoring/Recording of Telephone Calls: You consent and agree that we, any of our affiliates, and any other persons\nthat we authorize in accordance with applicable law, may monitor and/or record any and all telephone communications with\nyou without any additional notice of such monitoring or recording, unless expressly required by applicable law.\nInformation Sharing: WSFS Bank\xe2\x80\x99s Privacy Policy is available online at www.wsfsbank.com/Privacy-Policy\nImportant Notice & Acknowledgement: By signing or otherwise authorizing and submitting an application, you authorize\nWilmington Savings Fund Society, FSB, its successors, assigns, employees and designated agents (together, "WSFS\nBank", \xe2\x80\x9cus\xe2\x80\x9d or \xe2\x80\x9cour\xe2\x80\x9d), to gather and obtain credit, employment and other information about you, including credit bureau\nreports, that WSFS Bank may deem necessary or appropriate in order to evaluate your application for credit. If your\napplication is approved and credit is extended to you, you further authorize WSFS Bank to re-verify any or all of such\ninformation from time to time, including obtaining additional credit bureau reports, for any legitimate or permissible purpose\nin connection with such extension of credit, such as for the purpose of reviewing the Account, increasing or decreasing the\ncredit line on the Account, or for taking collection on the Account, and to furnish information concerning your Account and\nour credit experience with you to consumer reporting agencies and others who may properly receive that information. If\nyou ask, you will be informed whether or not a consumer report was requested, and if a report was requested, you will be\ninformed upon request of the name and address of the consumer reporting agency that furnished the report. You agree\nthat all credit card applications remain the property of WSFS Bank. By submitting a credit card application to WSFS Bank,\nyou also certify that all the information you have provided is true and complete, that no essential information has been\nconcealed, and that no misrepresentations have been made on the application. If approved, you agree to the terms and\nconditions applicable to the Account for which you are approved. By submitting a credit card application to WSFS Bank\nyou agree to the Credit Card Terms and Conditions, including the important rate, fee and cost information and the\nconditions of the Agreement, including the right of WSFS Bank to change terms and add new terms to the Account at any\ntime. By activating a card or the Account or allowing an authorized person to activate or use a card or the Account, you\npersonally agree to fully pay all amounts owed in connection with the Account as required by the Agreement. You also\nagree that the federal and state courts sitting in New Castle County, Delaware shall have exclusive jurisdiction over any\njudicial action or proceeding relating to or arising out of the Account or the Agreement, and you agree to submit to the\npersonal jurisdiction of such courts. You also agree to waive the right to a trial by jury. You agree that the Account will\nonly be used for lawful personal, family or household purposes. You further acknowledge you are at least 18 years of age\n(19 years of age for residents of Alabama or Nebraska or 21 years of age if you are a resident of Mississippi or of Puerto\nRico).\nNotice to California Residents: Married applicants may apply for a separate account(s).\nNotice to New York Residents: Information About Applying for a Credit Card: When you sign or otherwise submit a credit\napplication, you are providing your consent and authorizing WSFS Bank, and its successors, assigns, employees and\ndesignated agents to gather credit, employment and other information about you, including credit bureau reports, for\npurposes of evaluating your application for credit. If your application is approved and credit is extended to you, we may\ntake steps to re-verify any or all of such information from time to time, including by obtaining additional credit bureau\nreports, for any legitimate purpose in connection with such extension of credit, such as for the purpose of reviewing the\n\n3\n\n\x0cAccount, increasing the credit line on the Account, or for collecting on the Account. In addition, we will furnish information\nconcerning your Account to consumer reporting agencies and others who may properly receive that information. If you\nask, you will be informed whether or not a consumer report was requested, and if a report was requested, you will be\ninformed upon request of the name and address of the consumer reporting agency that furnished the report. When you\nsubmit a credit application to us, you are certifying that you have not concealed essential information for determining your\nidentity and creditworthiness, and that no misrepresentations have been made on the application. If approved, you agree\nto abide by the terms and conditions applicable to the account. New York Residents may contact the New York State\nDepartment of Financial Services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov.\nNotice to 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 upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nNotice to Rhode Island and Vermont Residents: A consumer credit report may be ordered in connection with this\napplication, or subsequently for purposes of review or collection of the Account, increasing the credit line on the Account,\nor other legitimate purposes associated with the Account. If you are a Vermont resident, you consent to the obtaining of\nsuch reports by signing or otherwise submitting a credit application.\nNotice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under\nSection 766.59 of the Wisconsin Statutes or court decree under Section 766.70, adversely affects the interest of the\ncreditor, WSFS Bank, unless WSFS Bank, prior to the time of the credit is granted, is furnished a copy of that agreement,\nstatement or decree, or has actual knowledge of the adverse provision when the obligation to WSFS Bank is incurred. IF I\nAM A MARRIED RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST\nOF MY MARRIAGE OR FAMILY. Married applicants must provide their Social Security number and address and their\nspouse\'s name and address to WSFS Credit Card Services, P.O. Box 976, Claymont, Delaware 19703. If the card from\nwhich you are applying is granted, you will notify WSFS Bank if you have a spouse who needs to receive notification that\ncredit has been extended to you.\nNotice to Delaware and Oregon Residents. Service charges not in excess of those permitted by law will be charged to\nthe outstanding balance from month to month. You may pay more than the minimum payment due, up to your entire\nbalance, at any time.\nIf you have any questions, you may contact WSFS Bank at 1-888-WSFSBank.\n\xc2\xa9 2020 Wilmington Savings Fund Society, FSB. All rights reserved.\n\n4\n\n\x0c'