b'BlockFi Rewards Visa Signature Card Agreement\nThere are two parts to this Credit Card Agreement (the \xe2\x80\x9cAgreement\xe2\x80\x9d): Rates and Fees Table and Consumer Card Agreement. The\nRates and Fees Table shows the rates and fees for your credit card. The Agreement contains important information related to your\ncredit card issued by Evolve Bank & Trust. Bank has agreed to lend you money as described in this Agreement, and you agree to pay\nus back together with interest charges and fees. Your use or activation of the Card and any transaction using the Card or Account\nindicates your acceptance of the terms of this Agreement. If any fee in the Rates and Fee Table is marked \xe2\x80\x9cnone,\xe2\x80\x9d the section of this\nAgreement that relates to that fee does not apply.\n\nRate and Fees Table\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR)* for Purchases\n\n14.99% to 24.99%, based on your creditworthiness. This APR will vary with the\nmarket based on the Prime Rate.\n\nAPR* for Cash Advances and\nBalance Transfers\nPaying Interest\n\nN/A (neither Cash Advances nor Balance Transfers are available)\nYour due date is at least 23 days after the close of each billing cycle. We will not charge\ninterest on new purchases, provided you have paid your previous balance in full by the due\ndate each month.\n\nMinimum Interest Charge\nIf you are charged interest, the charge will be no less than $1.00.\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the\nConsumer Financial\nwebsite of the Consumer Financial Protection Bureau at:\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore\n*Variable APRs are accurate as of _________/21. When the Prime Rate changes, the resulting changes to variable APRs take\neffect as of the first day of the next billing period.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x97\x8f Balance Transfer\n\xe2\x97\x8f Cash Advance Fee\n\xe2\x97\x8f Foreign Transaction Fee\nPenalty Fees\n\xe2\x97\x8f Late Payment\n\xe2\x97\x8f Return Payment\n\xe2\x97\x8f Over-the-credit-limit\n\n$200\nN/A (Balance Transfers are not available)\nN/A (Cash Advances are not available)\nNone.\nUp to $25\nUp to $37\nNone\n\nNote: Your credit card is not eligible for balance transfers.\nHow We Will Calculate Balances: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new transactions). See How Do You\nCalculate the Interest Charge? below for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See\nYour Billing Rights section for full details.\nCan You Change My Account Terms? We can change the terms of your credit card account as permitted by law. When required by\nlaw, we will send you notice before doing so.\nHow Do You Calculate Variable Rates? Variable APRs disclosed above are based on the Prime Rate + Margin (currently between\n11.74% and 21.74%). Variable rates may change when the Prime Rate changes. We calculate the variable rate by adding a fixed\npercentage (known as the margin) to the Prime Rate, published in The Wall Street Journal two business days before the end of the\nBilling Cycle. If The Wall Street Journal does not publish the Prime Rate or changes the definition of the Prime Rate, we may choose to\nuse a different, but similar, published rate from another source. If the Prime Rate changes at least two business days before the end\n1\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cof your current Billing Cycle, your new rate will take effect at the end of your Billing Cycle, otherwise the rate change will take place\non your next Billing Cycle.\nIf the APR associated with an offer is variable, the APR will equal:\nPurchase APR - Prime Rate plus a margin (currently between 11.74% and 21.74%)\nAny increase in the Prime Rate may increase your interest charges and your minimum payment.\nWhat Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is 0.06299%.\nHow Can I Avoid Paying Interest Charges? If you pay your statement balance in full by the due date, we will not charge interest on\nany new transactions that post to the purchase balance. If you have been paying your Account in full without interest charges, but fail\nto pay your next\xe2\x80\x9d in full, we will charge interest on the unpaid balance.\nHow Is The Interest Charge Applied? Interest charges accrue from the (1) date of the transaction; (2) date the transaction is processed;\nor (3) first calendar day of the billing cycle. Interest charges accrue on every unpaid amount until it is paid in full. This means you may\nowe interest charges even if you pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d one month but did not do so for the previous month. Unpaid interest\ncharges are added to the applicable transaction type (e.g., purchase or cash advance) of your account. However, we reserve the right\nto not assess interest charges at any time.\nMinimum Payment: We will calculate the minimum payment as the larger of: 1) $15 (or your full balance if less than $15), or 2) the\nsum of 3% of the new balance, the periodic interest charges, and late fees we have billed you on the statement for which your\nminimum payment is calculated.\nHow Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions). Under this\nmethod, we first calculate your daily balance; for each transaction type (e.g., purchases and cash advances), 1) take the beginning\nbalance and add in new transactions and the periodic interest charge on the previous day\xe2\x80\x99s balance, then 2) subtract any payments\nand credits for the specific transaction types as of that day. The result is the daily balance for each transaction type. However, if you\npaid your previous month\xe2\x80\x99s balance in full (or if your balance was zero or a credit amount), new transactions which post to your\naccount are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.\nNext, to find your Average Daily Balance: 1) add the daily balances together for each transaction type, and 2) divide the sum by the\nnumber of days in the billing cycle.\nAt the end of each billing cycle, we determine your interest charge as follows: 1) multiply your Average Daily Balance by the daily\nperiodic rate (APR divided by 365) for that transaction type, and 2) multiply the result by the number of days in the billing cycle. NOTE:\nDue to rounding, this calculation may vary from the interest charge actually assessed.\nMilitary Lending Act Notice: Federal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: the costs associated with 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 transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account). To receive this information and a description\nof your payment obligation, please call 1-833-426-0304.\n\n2\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cConsumer Card Agreement\nThank you for opening a credit card account with us. This Agreement, and any future changes to it, is your contract with us and\ngoverns your credit card.\nWe reserve the right to amend this Agreement at any time, by adding, deleting or changing provisions of this Agreement. When\nrequired by law, we will send you notice before doing so. If any amendment gives you the opportunity to reject the change, and if\nyou reject the change in the manner provided in such amendment, we may terminate your right to receive credit and may ask you\nto return all credit access devices as a condition of your rejection. We may replace your Card with another Card at any time.\nThis Agreement will continue to apply whether or not you use your Card or Account. It will continue to apply even after your\nAccount is closed, as long as you have a balance or owe us.\n\nPLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION\nPURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION ,\nUNLESS YOU ARE COVERED BY THE MILITARY LENDING ACT (See \xe2\x80\x9cCovered Borrower\xe2\x80\x9d below).\nDefinitions\nAll capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cAccount\xe2\x80\x9d means your account designated and maintained by the Bank in relation to the credit provided under or in\nconnection with this Agreement. Account includes the account to which any credit transaction or charge by you may be posted.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cBilling Cycle\xe2\x80\x9d means the time period between billing statements and is used to manage your Account. Each Statement\nshows the closing data, which is the last day of the Billing Cycle.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cCard\xe2\x80\x9d means one or more cards or other access devices, including your account number or virtual card, that we may issue\nto you to receive credit under this Agreement. This includes all renewals and substitutions.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means a loan in cash or cash equivalents, including, but not limited to, wire transfers, travelers\xe2\x80\x99 checks,\nmoney orders and foreign currency.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cCovered Borrower\xe2\x80\x9d Refers to active duty members of the military, their spouses, and their dependents, as defined in the\nMilitary Lending Act (MLA).\n\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\n\xe2\x80\x9cFees\xe2\x80\x9d means charges imposed on your Account not based on the Annual Percentage Rates.\n\xe2\x80\x9cInterest Charges\xe2\x80\x9d means any charges to your Account based on the application of Annual Percentage Rates.\n\n\xe2\x80\x9cItem\xe2\x80\x9d means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any\nimage of these instruments.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cPurchase\xe2\x80\x9d means the use of your Account or Card to buy or lease goods or services. Tax payments and any other\nassociated fees are considered Purchases, but Cash Advances are not considered Purchases.\n\n\xe2\x97\x8f\n\xe2\x97\x8f\n\n\xe2\x80\x9cServicer\xe2\x80\x9d means Deserve, Inc. (\xe2\x80\x9cDeserve\xe2\x80\x9d)\n\n\xe2\x80\x9cStatement\xe2\x80\x9d means the periodic statement we mail to you in connection with your Account. Your Statement will include all\ntransactions billed to your Account during a Billing Cycle and information about payment owed to us.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cTruth-in-Lending Disclosures\xe2\x80\x9d means disclosures that the federal Truth in Lending Act and Regulation Z require for any\nAccount. This includes your application and solicitation disclosures, Account opening disclosures, any disclosures provided as part of\nthis Agreement, subsequent disclosures, Statements, and change in terms notices.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d means Evolve Bank & Trust, and its agents, authorized representatives, successors, and\nassignees.\n\n\xe2\x97\x8f\n\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant and co-applicant for the Account, any person responsible for paying the Account,\nand any person responsible for complying with this Agreement.\n\nAccount Documents\nThe following Account Documents govern your Account with us:\n(1)\nthis Agreement;\n(2)\n\nall Statements;\n\n(3)\n\nany rewards program terms, conditions, and disclosures;\n\n(4)\n\nany privacy notices;\n3\n\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0c(5)\nany Card benefits brochure which describes benefits provided by the credit card network for your Account. [The credit card\nnetwork may be Visa Inc., MasterCard International Incorporated, or any other network provider];\n(6)\n(7)\n\nall disclosures and materials provided to you before or when you opened your Account;\nany other documents and disclosures relating to your Account, including those provided online; and\n\n(8)\n\nany future changes we make to any of the above.\n\nPlease read these Account Documents carefully and keep them for future reference.\n\nNew Offers\nIn the future, we may provide you with new offers that we think may interest you. The terms of these offers may differ from the\nstandard terms on your Account. This Agreement will still apply.\n\nAccount Information\nWe need information about you to manage your Account. This includes, but is not limited to:\n(1)\n(2)\n\nyour legal name;\na valid U.S. mailing address and residential address (if different);\n\n(3)\n\nyour date of birth;\n\n(4)\n\nyour Social Security number or other government identification number;\n\n(5)\n\nyour telephone number(s); and\n\n(6)\nyour employment and income information.\nYou must tell us when this information changes. We may ask you for additional documents and to verify any changes to information\nyou have provided us.\nWe may restrict or close your Account if we cannot verify your information, or if you do not provide it as requested.\n\nCredit Limits\nWe will inform you of your credit limit from time to time. We may give you a different credit limit based on your credit score or\ncredit qualifications during the term of your Account. You are responsible for keeping track of your balances and your available\ncredit. You must keep your Account balance below the applicable credit limit. We may honor transactions above your credit limits,\nbut if we do, these transactions will not increase your credit limit. You are responsible for paying for any transaction you make\nabove your credit limits. We may increase, decrease, restrict, or cancel your credit limit for any and all transaction types at any time,\nwithout notice. This will not affect your obligation to pay us. Your available credit may not be restored for up to seven (7) business\ndays after we receive your payment.\n\nUsing Your Account\n(1)\nWe may decline to authorize a transaction for any reason. This may occur even if the transaction would not cause you to go\nover your credit limit or your Account is not in default.\n(2)\nWe will bill each transaction to the applicable transaction type of your Account. We will apply it against your available\ncredit for that transaction type category.\n(3)\n\nYou must not use, or try to use, the Card for any illegal activity. You are responsible for any charges if you do.\n\n(4)\n\nWe are not liable for any losses that may result when our services are unavailable due to reasons beyond our control.\n\n(5)\nYou may use the to make Purchases only for personal, family or household purposes from any person or establishment\naccepting the Card.\n\nRewards\nYour Account may provide you with the opportunity to earn rewards through BlockFi. Please refer to the BlockFi Rewards Program\nTerms, which may be found at: [Insert URL].\n\nNo Authorized Users\nWe will not issue an additional Card to allow any other person to access the Account. You understand that only you are permitted to\nuse the Card or Account. If, however, any person you authorize initiates a transaction using the Card or Account or if such person\nincurs a Fee in connection with the Card or Account, you are responsible and liable for the transaction and any Fees or Interest\nCharges incurred. If you permit another person to have access to the Card or Account, this will be treated as if you authorized such\nuse and you will be liable for all transactions and Fees incurred by those persons. You are wholly responsible for the use of each\nCard according to the terms and conditions of this Agreement.\n4\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cYour Promise to Pay\nBy using your Card or your Account, you promise to pay us for all transactions made on your Account, as well as any fees, interest\ncharges or other charges or Fees.\n\nStatements\nYou agree to be a paperless Cardholder and accept all statements, including Statements, and communications electronically. We will\nsend you an electronic Statement at the end of each Billing Cycle, unless not required by law or the law prohibits us from doing so.\nUnless you make other arrangements with us, your Statement will be delivered to you electronically, as further described in the\nEvolve Bank & Trust Electronic Communication Consent. We will not send you a Statement if: (1) we deem your Account\nuncollectable; (2) delinquency collection proceeds have been instituted; or (3) for any other reason permitted by applicable law. You\nmay request a paper copy of your Statement by calling the number on the back of your Card. Bank will mail any requested paper\nStatement to you by regular mail to your address as it appears in our records.\n\nDisputed Transactions\nYou must inspect each Statement you receive and must immediately contact Deserve about any errors or questions you have, as\ndescribed in the \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d on your Statement and in this Agreement. If you do not notify us of an error, we will\nassume that all information on the Statement is correct. If we credit your Account for all or part of a disputed transaction, you give\nus all of your rights against others regarding that transaction, and will also: (1) give us any information about the disputed\ntransaction, if we ask; (2) not pursue any claim or reimbursement of the transaction amount from the merchant or any other\nperson; and (3) help us get reimbursement from others.\n\nSecurity and Lost or Stolen Card\nYou must take reasonable steps to prevent the unauthorized use of your Card and/or Account. For security reasons, you must, upon\nreceipt of the Card, sign it in ink in the space provided and comply with any card activation procedures as may be prescribed by the\nBank. You must notify Deserve immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is\nusing your Account or Card without your permission. You will not be responsible for transactions on your Account that we find are\nunauthorized. If we reimburse you for unauthorized transactions, you will help us investigate, pursue and get reimbursement from\nthe wrongdoer. Your help includes giving us documents in a form that we request. You should contact Deserve by calling us at 1833-426-0304, Monday through Friday from 6:00 a.m. - 6:00 p.m. PT and Saturday from 7:00 a.m. - 12:00 p.m. PT, or if outside of\nthese hours at 1-833-426-0304.\n\nInterest Charges and Fees\nWe impose Interest Charges and Fees on your account. Interest Charges are imposed using the average daily balance method, as\ndisclosed on your Statement and this Agreement. We will not charge you interest on any new transactions posted to a Purchase\ntransaction of your Account if you paid the total balance across your Account in full by the due date on your Statement each month.\nWe will generally treat Fees as Purchase transactions unless otherwise specified below. Fees apply to your Account only if your\nTruth-in-Lending Disclosures provide for them. We may increase your Interest Charges and Fees as described in the Amendments to\nYour Agreement section.\n\nAnnual Fee\nYour Card has an annual Fee of $200.\n\nLate Payment Fee\nWe may charge you this Fee if we do not receive your payment as instructed on your Statement by the payment due date. This Fee\nwill not exceed the amount permitted by law.\n\nReturned Payment Fee\nWe may charge you this Fee each time your financial institution for any reason rejects a payment you make to us.\n\nStop Payment Fee\nWe may charge you this Fee each time you ask us to stop payment or renew a stop payment order. The fee will be disclosed to you\nat the time you submit or renew a stop payment order.\n\nTransactions Made in Foreign Currencies\nIf you make a transaction in a foreign currency, the credit card network provider will convert it into a U.S. dollar amount. The credit\ncard network provider will use its own currency conversion procedures. The conversion rate in effect on the processing date may\ndiffer from the rate in effect on the transaction date that appears on your Statement. We do not adjust the currency exchange rate.\n5\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cMinimum Payment\nYou must pay us at least the minimum payment amount by the payment due date shown on your Statement. Your Statement will\ntell you: (1) the minimum payment due; (2) your new balance; (3) the payment due date; and (4) an explanation of when the\npayment must reach us for us to consider it received as of that date. Returns and other credits to your Account will reduce your\nAccount balance, and it may change your minimum payment amount.\nIn addition to the minimum payment, you may pay all or part of the total balance on your Account. But, you must still pay at least\nthe minimum payment amount each month, even if you paid more than the minimum payment due on the previous Statement. We\nwill continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement\nincludes a minimum payment that is due. If your Account is [180] days past due, is part of a bankruptcy proceeding or is otherwise\ncharged off, the total balance is immediately due and payable.\n\nMaking Payments\nYour payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. We do not accept cash payments\nthrough the mail. You may not make payments with funds from your Account or any other credit account with us or any other\ncompany in the Bank organization. You must send mailed payments to us as instructed on your Statement, unless we tell you\notherwise. If you mail payment to an address other than the payment address shown on your Statement, there may be a delay in\ncrediting the payment to your Account. We can accept late payments, partial payments or payments marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d or\nany other restrictive endorsement, without losing any of our rights under this Agreement. We may refuse to accept payments made\nto your Account by someone else on your behalf. If we do accept it, you will be responsible for the payment and any cost if a\nfinancial institution rejects it.\nServices are available that allow you to make faster or recurring payments, such as ACH, online or by telephone. We will describe\nthe terms for using these services and any applicable Fee before you use them. You do not have to use these other payment\nservices. We are not responsible if your financial institution rejects a payment made using our payment services.\n\nPayment Processing\nWe may accept and process payments without losing any of our rights. We may delay the availability of credit until we confirm that\nyour payment has cleared. This may happen even if we credit your payment to your Account. We may resubmit and collect returned\npayments electronically. If necessary, we may adjust your Account to correct errors, process returned and reversed payments, and\nhandle similar issues.\nWhen you send us an Item as payment, you authorize us to make a one-time electronic fund transfer from your deposit account.\nYou also authorize us to process the payment as an Item. We may withdraw the funds from your deposit account as early as the\nsame day we receive your payment. You will not receive your Item back from your bank. We will provide additional information\nabout this process on your Statement.\nWe may use the information from an item to create an electronic image. We may collect and return the image electronically. This\nelectronic image may also be converted to a substitute check and may be processed in the same way we would process an Item. We\nwill not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you\nintended.\n\nHow We Apply Your Payments\nA different APR may apply to your Account depending on the timing of the transaction. If your Account has balances with different\nAPRs, we apply credits and any part of your payment exceeding your minimum payment to the balance with the highest APR, and\nthen to balances with lower APRs.\n\nCredit Balances\nWe may reject and return any payment that creates or adds to a credit balance on your Account. Any credit balance we allow will\nnot be made available until we confirm that your payment has cleared. We may without notice restrict the availability of any credit\nbalance in our sole and absolute discretion. We may reduce the amount of any credit balance by any new charges. You may write to\nthe address provided on your Statement or call the number on the back of your Card to request a refund of any available credit\nbalance.\n\nAccount Default\nYou will be in default if:\n(1)\n\nyou do not make any payment when it is due;\n\n(2)\n\nany payment you make is rejected, not paid or cannot be processed;\n\n(3)\n\nyou exceed a credit limit;\n\n(4)\n\nyou file or become the subject of a bankruptcy or insolvency proceeding;\n6\n\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0c(5)\n\nyou are unable or unwilling to repay your obligations, including upon death or legally declared incapacity;\n\n(6)\n\nwe determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud us;\n\n(7)\n(8)\n\nyou do not comply with any term of this Agreement or any other agreement with us; or\nyou permanently reside outside the United States.\n\nIf you are in default, we may take certain actions with respect to your Account. For example, depending on the default, we may take\nthe following actions, without notifying you, unless the law says that we must give you notice:\n(1)\n\ncharge you Fees, or change the APRs and Fees on your Account;\n\n(2)\n(3)\n\nclose or suspend your Account;\nlower your credit limit(s);\n\n(4)\n\ndemand that you immediately pay the total balance owing on your Account;\n\n(5)\n\ncontinue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or\n\n(6)\nfile a lawsuit against you or pursue another action that is not prohibited by law. If we file a lawsuit, you agree to pay our\ncourt costs, expenses and attorney fees, unless the law does not allow us to collect these amounts.\n\nCommunications\nUnless we tell you otherwise, you can notify Deserve at P.O. Box 57780, Murray, UT 84157 or call us at 1-833-426-0304. When\nwriting, please include your name, address, home telephone number and Account number.\nTo the extent permitted by applicable law, you authorize us and our affiliates, agents, and contractors, and anyone to whom we may\nsell your Account, to contact you to service your Account or for collection purposes. You agree that these contacts are not\nunsolicited for purposes of state or federal law. You further agree that the Bank, its affiliates, agents, and contractors and anyone to\nwhom it may sell your Account may: (1) contact you in any way, including mail, email, calls, and texts, including a mobile, wireless,\nor similar device, even if you are charged by your provider , and using automated telephone equipment or prerecorded\nmessages; (2) contact you at any number that you have given us or any number have for you in our records, including your cellular\nor other wireless device, even if that number is a wireless, cellular, or mobile number, is converted to a mobile/wireless number, or\nconnects to any type of mobile/wireless device, and even if such telephone number is currently listed on a Do Not Call Registry; and\n(3) contact you at any email address you provide to us or any other person or company that provides any services in connection with\nthis Agreement. You authorize us to monitor and/or record your calls with us. You agree to notify us within five (5) business days\nafter changing your email address, mailing address, or phone number.\n\nCredit Reports\nWe or our Servicer may obtain and use credit, income and other information about you from credit bureaus and others as the law\nallows. We may reevaluate your financial condition and investigate any information you provided on your Account application at any\ntime. In the course of doing so, we may obtain a current credit report and ask you for additional information about your financial\ncondition. You give us permission to obtain any information about you that we believe would be beneficial to facilitate our\ndetermination of your eligibility for the Account and the Card, including credit reports form consumer reporting agencies.\nWe may report information about your Account to credit bureaus and others. Late payments, missed payments, or other defaults on\nyour Account may be reflected in your credit report. Information we provide may appear on your and the Authorized Users\xe2\x80\x99 credit\nreports. If you believe that we have reported inaccurate information about your Account to a credit bureau or other consumer\nreporting agency, notify us in writing at P.O. Box 57780, Murray, UT 84157. When you write, tell us the specific information that you\nbelieve is incorrect and why you believe it is incorrect.\n\nAmendments to Your Agreement\nAt any time, we may add, delete or change any term of this Agreement, unless the law prohibits us from doing so. We will give you\nnotice of any changes as required by law. We may notify you of changes on your Statement or in a separate notice. Our notice will\ntell you when and how the changes will take effect.\nYour variable APRs (if applicable) can go up or down as the index for the rate goes up or down. If we increase your APRs for any\nother reason, or if we change your Fees or other terms of your Account, we will notify you as required by law.\n\nThe Law That Applies to Your Agreement\nThis Agreement is entered into between you and us in the State of Tennessee, and your Account and this Agreement, and any claim,\ndispute or controversy arising from or relating to your Account or this Agreement, whether based in contract, tort, fraud or\notherwise and regardless of the place where you live, is governed by, and construed in accordance with, the laws of the State of\nTennessee, without regard to Tennessee\xe2\x80\x99s conflict of laws principles, and applicable federal laws and regulations. The legality,\n7\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cenforceability and interpretation of this Agreement and the amounts contracted for under this Agreement also are governed by\nTennessee law and applicable provisions of federal law, and all amounts granted under this Agreement are extended from the State\nof Tennessee.\n\nServicer\nThe Servicer services parts of your Card and Account, including, but not limited to, Account and/or Card management through\nServicer\xe2\x80\x99s website or mobile application and customer service relating to any rewards offered in connection with your Card or\nAccount. In this capacity, Servicer may act on our behalf, perform our obligations or enforce our rights under this Agreement. You\nunderstand and acknowledge that we may share with Servicer any information you provide to us in connection with your Account or\nCard or any information we collect in connection with your Account or Card in order for Servicer to provide you with products\nand/or services in connection with your Account and/or Card.\n\nWaiver\nWe can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future.\nFor example, we may accept late payments or payments that are marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with other restrictive endorsements\nwithout losing any of our rights under this Agreement. We may waive our right without notifying you. For example, we may waive\nyour Interest Charges or Fees without notifying you and without losing our right to charge them in the future.\n\nAssignment\nThis Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not sell, assign or transfer your\nAccount or this Agreement to someone else without our written permission. We may sell, assign or transfer your Account and this\nAgreement without your permission and without prior notice to you. Any assignee or assignees will take our place under this\nAgreement. You must pay them and perform all of your obligations to them and not us. If you pay us after we notify you that we\nhave transferred your Account or this Agreement, we can return the payment to you, forward the payment to the assignee, or\nhandle it in another way that is reasonable.\n\nDisclaimer of Liability\nWe are not responsible if anyone refuses to accept or honor your Card or Account, even if you have sufficient available credit.\nExcept as required by applicable law, we will not be responsible for any claim or defense you may have against any third-party that\narises out of or in connection with any transaction with your Card or Account or any services or goods or other property purchased\nor leased using your Card or Account. We are not responsible for any losses you incur if we do not authorize a transaction.\n\nTermination\nSubject to applicable law, we may terminate this Agreement or revoke your right to use your Account or Card, along with your right\nto make future transactions, at any time and for any reason without notice to you. You may contact Deserve using the number on\nthe back of your Card to close your Account. If we close or suspend your Account for any reason, you must stop using your Card. You\nmust also cancel all billing arrangements set up on the Account. If we close or permanently suspend your Account, you must return\nor destroy all Cards. You must still pay us all amounts you owe on the Account. You must also return the Card to us or destroy it if\nwe ask you to.\n\nArbitration\nThis Section sets forth the circumstances and procedures under which Claims (as defined below) shall be arbitrated instead of\nlitigated in court upon the election of either party.\nTHIS ARBITRATION PROVISION APPLIES UNLESS, AS OF THE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED\nFORCES OR A DEPENDENT OF SUCH MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT. IF YOU WOULD LIKE MORE\nINFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT , PLEASE CONTACT DESERVE AT 1-833-4260304.\n(1) Definitions: As used in this Arbitration Section, the term \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy between you and\nBank, Servicer or any of their agents or retailers, arising from or relating to the Card or this Agreement as well as any related or prior\nagreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or\nscope of this Arbitration Section or the Agreement. \xe2\x80\x9cClaim\xe2\x80\x9d includes claims of every kind and nature, including but not limited to\ninitial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional\ntorts, statutes, regulations, common law and equity. The term \xe2\x80\x9cClaim\xe2\x80\x9d is to be given the broadest possible meaning that will be\nenforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i)\nyour Card or Account; (ii) advertisements, promotions or oral or written statements related to the Card or Account or goods or\nservices purchased with the Cards; (iii) the benefits and services related to the Card or Account; and (iv) your enrollment for any\nCard or Account. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue\nin a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any appeals\n8\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cfrom that court shall be pursued only in arbitration. As used in this Arbitration Section, the terms \xe2\x80\x9cwe\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d shall for all purposes\nmean the Bank and Servicer, and their respective affiliates, licensees, predecessors, successors, and assigns, and all of their\nrespective agents, employees, directors and representatives. In addition, \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d shall include any third party using or providing\nany product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third\nparties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if,\nsuch third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As\nsolely used in this Arbitration Section, the terms \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d shall mean all persons or entities that have access to or use a Card\nor Account, including but not limited to all persons or entities contractually obligated under any of the Agreements.\n(2) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by\narbitration pursuant to this Arbitration Section and the code of procedures of the national arbitration organization to which the\nClaim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services\n(\xe2\x80\x9cJAMS\xe2\x80\x9d) or the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d), as selected by the party electing to use arbitration. For a copy of the\nprocedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street,\nSuite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website\nat www.adr.org.\n(3) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL\nHAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT\nAS PROVIDED FOR IN THE CODE OF PROCEDURES OF JAMS OR AAA, AS APPLICABLE (THE \xe2\x80\x9cCODE\xe2\x80\x9d). FURTHER, YOU WILL NOT HAVE\nTHE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY\nCLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT ARBITRATION, EXCEPT\nAS SET FORTH BELOW. THE ARBITRATOR\xe2\x80\x99S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD\nHAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.\n(4) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual\nbasis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought\nin a purported representative capacity on behalf of the general public, other cardholders or other persons similarly situated. The\narbitrator\xe2\x80\x99s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator\xe2\x80\x99s authority to make awards\nis limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated\nin arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.\n(5) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district\nof your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing\nadministrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the\narbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing,\nadministrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative\nand/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been\nbrought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will\nreimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial\njustification.\n(6) Arbitration Procedures: This Arbitration Section is made pursuant to a transaction involving interstate commerce, and shall be\ngoverned by the Federal Arbitration Act, as it may be amended (the \xe2\x80\x9cFAA\xe2\x80\x9d). The arbitration shall be governed by the applicable\nCode, except that (to the extent enforceable under the FAA) this Arbitration Section shall control if it is inconsistent with the\napplicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations\nand shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written\nexplanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any\nstate rules of civil procedure or rules of evidence. The arbitrator shall take reasonable steps to preserve the privacy of individuals,\nand of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The\narbitrator\xe2\x80\x99s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that\naward to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the\ninitial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written\narbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the\narbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award\nhas been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its\nCode and issue its decision within one hundred twenty (120) days of the date of the appellant\xe2\x80\x99s written notice. The decision of the\npanel shall be by majority vote and shall be final and binding.\n(7) Survival: This Arbitration Section shall survive termination of your Card or Account as well as voluntary payment of the debt in\nfull by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this\n9\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cArbitration Section is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it\nshall not invalidate the remaining portions of this Arbitration Section, the Agreement or any prior agreement you may have had with\nus, each of which shall be enforceable regardless of such invalidity.\n\nYour Billing Rights \xe2\x80\x93 Keep 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 Statement: If you think there is an error on your statement, write to us at:\nDeserve\nP.O. Box 57780\nMurray, UT 84157\nYou may also contact Deserve at 1-833-426-0304, [Monday through Friday from 6:00 a.m. - 6:00 p.m. PT and Saturday from 7:00\na.m. - 12:00 p.m. PT. In your letter, give us the following information: (1) account Information: your name and Account number; (2)\ndollar amount: the dollar amount of the suspected error; and (3) description of the problem: if you think there is an error on your\nbill, describe what you believe is wrong and why you believe it is a mistake. You must contact Deserve within 60 days after the error\nappeared on your statement, and at least three (3) business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou may notify Deserve of any potential errors in writing or by calling us. You may still be required to pay the amount(s) in question\nif the Bank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as\npossible at 1-833-426-0304.\nWhat Will Happen After We Receive Your Letter: When we receive your letter, within 30 days of receiving your letter, we will tell\nyou that we received your letter. We will also tell you if we have already corrected the error. While we investigate whether or not\nthere has been an error, the following are true: (1) we cannot try to collect the amount in question or report you as delinquent on\nthat amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nBut, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related\nto that amount; (2) while you do not have to pay the amount in question until we send you a notice about the outcome of our\ninvestigation, you are responsible for the remainder of your balance; and (3) we can apply any unpaid amount against your credit\nlimit. Within 90 days of receipt of your letter, we will send you a written notice explaining either that we corrected the error (to\nappear on your next Statement) or the reasons we believe the bill is correct. If we do not believe there was a mistake, you will have\nto pay the amount in question, along with applicable interest and fees. We will send you a Statement of the amount you owe and\nthe date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\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 to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname 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 Card Purchase: If you are dissatisfied with the goods or services that you have\npurchased with your Card and you have 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. To use this right, all of the following must be true: (1) you must have used your\nCard for the purchase. Purchases made with Cash Advances from an ATM do not qualify or with a check that accesses your credit\ncard account do not qualify; and (2) 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 writing at:\nDeserve\nP.O. Box 57780\nMurray, UT 84157\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 us an amount and you do not pay, we may report you as delinquent.\n\nState Notices\nAll Accounts, including California and Utah Residents: 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 terms of your credit obligations.\nWisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No\nprovision of any marital property agreement, unilateral statement or court decree adversely affects a creditor\xe2\x80\x99s interest unless, prior\n10\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0cto the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of\nthe adverse provision.\nNew York and Vermont Residents: We may obtain at any time your credit reports, for any legitimate purpose associated with the\nAccount or the application or request for an Account, including but not limited to reviewing, modifying, renewing and collecting on\nyour Account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of\nthe consumer reporting agency furnishing the report. New York residents may contact the New York State Department of Financial\nServices to obtain a comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Services\n- (800) 342-3736 or https://www.dfs.ny.gov/.\nNew Jersey Residents: Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable\nor inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.\nMissouri, Nebraska and Washington Residents: Oral agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower)\nand us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this\nwriting, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to\nmodify it.\nMassachusetts Residents: Massachusetts law prohibits discrimination based upon marital status or sexual orientation.\nOhio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy\ncustomers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil\nRights Commission administers compliance with the law.\n\n11\nCredit Card Agreement - BlockFi Rewards Credit Card_v1.04.23.2021\n(v1.11.21.2020)\n\n\x0c'


b'SOUTHERN BANK AND TRUST COMPANY\nCONSUMER CREDIT CARD CARDHOLDER AGREEMENT & DISCLOSURE\nThis Consumer Credit Card Cardholder Agreement & Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers the use of your Account with us. It includes the Pricing Information Disclosure\non the enclosed letter or the document that accompanies your Card, as well as any subsequent disclosures which we provide to you from time to time, all of which\nare incorporated here by reference. Please read this Agreement carefully and keep it for your records. It supersedes all prior agreements and disclosure statements\nrelating to your Account. You do not have to sign this Agreement. You agree to the terms of this Agreement when you accept, sign or use your Card or your Account.\n1. Definitions: In this Agreement the following definitions for the underlined words apply:\n\xe2\x80\xa2 Account means your credit card account established under this Agreement.\n\xe2\x80\xa2 APR means Annual Percentage Rate. Your Interest Charge is based on the APR.\n\xe2\x80\xa2 ATM means automated teller machine.\n\xe2\x80\xa2 Authorized User means an individual to whom you have asked us to issue a Card on your Account.\n\xe2\x80\xa2 Bank, we, us and our refer to First-Citizens Bank & Trust Company, an affiliate of Southern Bank and Trust Company.\n\xe2\x80\xa2 Billing Cycle means a period of time that is approximately 30 days in length. Each Billing Cycle ends on the Statement Closing Date provided on your Billing Statement.\n\xe2\x80\xa2 Billing Statement (or Statement) means a document we provide to you showing Account information including, among other things, your Credit Limit and\nAvailable Credit, Account Activity during a Billing Cycle, New Balance, Minimum Payment Due and Payment Due Date.\n\xe2\x80\xa2 Card means either one or more Visa\xc2\xae credit cards or any other access device such as a debit or ATM card, used to access your Account.\n\xe2\x80\xa2 Check means any one or more convenience checks we may send you to access your Account.\n\xe2\x80\xa2 Daily Periodic Rate means the APR divided by the number of days in the year (365 days, or 366 days in the case of a leap year).\n\xe2\x80\xa2 Finance Charge is the cost of credit as a dollar amount. It includes the Interest Charge plus disclosed Transaction Fees.\n\xe2\x80\xa2 Interest Charge is the periodic rate charge based on the applicable APR. It is a component of the Finance Charge and is defined in more detail in Section 6.\nYour Total Interest is a summary of the Interest Charges for each balance and associated APR.\n\xe2\x80\xa2 Merchant means a business displaying the Visa sign and accepting your Card for the purchase of goods and services.\n\xe2\x80\xa2 Minimum Payment Due and Payment Due Date mean the amount you must pay, and the date by which you must pay it, to avoid a Late Payment Fee. See\nSection 11 for details.\n\xe2\x80\xa2 New Balance (or \xe2\x80\x9cBalance\xe2\x80\x9d) means your outstanding balance for the current month as of the Statement Closing Date.\n\xe2\x80\xa2 Penalty Pricing means an increase in your APR due to one or more delinquencies in payment.\n\xe2\x80\xa2 Transaction Fees are components of your Finance Charge and include Foreign Currency Conversion Fees, Balance Transfer Fees and Cash Advance Fees.\n\xe2\x80\xa2 You, your and yours means each applicant or co-applicant for the Account, any person responsible for paying the Account, and anyone authorized to use,\naccess or service the Account, including any Authorized User.\n2. Credit Limit: We will provide you notice of your credit limit when we send you your Card, and it will also be listed on each Billing Statement we send you. At our\ndiscretion, we may change your limit at any time as permitted by law and after providing you with appropriate notice as required. We do not automatically\nincrease your credit limit if you make a payment that results in your Account having a credit balance. You may request a change to your credit limit by contacting\nthe Bank at the toll free number listed on the back of your Card and on your Statement. We do not have to pay any Check or honor any cash advance or purchase\nwith your Card that puts your Account balance over your credit limit. You agree not to exceed your credit limit, but if you do, and we pay or accept any Checks,\nadvances or purchases that put your unpaid Account balance over your credit limit, you promise to pay these amounts without our notice or demand.\n3. Additional Cards and Checks: You may request additional Cards on your Account for yourself or for one or more Authorized Users by contacting the Bank at\nthe toll free number listed on the back of your Card and on your Statement. You are responsible for your Authorized User\xe2\x80\x99s use of the Card. If you want to\nremove an Authorized User from the Account you must contact us at the number provided on your Statement and destroy all Cards in his or her possession.\nAuthorized Users may remove themselves from the Account upon request. From time to time, we may provide you with Checks to access your Account that you\ncan use like any other personal checks except they cannot be used to make payments to us under this Account or, without our written consent, to pay any other\namount you owe us. Purchases made via Checks are treated as cash advances for the purpose of calculating Interest Charges, unless we inform you otherwise.\n4. Card Use: You or an Authorized User on your Account must sign your Card in order to use it. You may use your Card to buy goods and services from Merchants\nor to borrow cash from us at one of our branches or at other banks where the Card is honored up to the credit limit we establish for you. You must follow any\nand all reasonable and proper procedures required by us or the other bank or Merchant honoring the Card.\n5. Transaction Limitations/Suspensions: There is no minimum dollar amount for Card purchases; however, there is a $50 minimum on cash advances and $100\nminimum on balance transfers. At our discretion, we may limit the number of transactions that may be approved in any one day. We reserve the right to deny\ncertain transactions for any reason, including, default, suspected fraudulent or unlawful activity, or any increased risk related to the transaction. We are\nnot responsible if a transaction on your Account is not approved, either by us or by a third party, even if you have sufficient credit available. We may, in our\ndiscretion, approve transactions that cause your balance to exceed your credit limit without waiving any of our rights under this Agreement.\n6. Finance Charges: The total Finance Charge imposed on your Account each Billing Cycle is the sum of the Interest Charges plus all Transaction Fees imposed\nduring that Billing Cycle.\na. Interest Charges\n\xe2\x80\xa2 Interest Charges on Purchases and Balance Transfers: We will impose no Interest Charge to your Account for your purchases and balance transfers if we\ncredit you for payment of the entire New Balance shown on your Statement by the Payment Due Date. If your payment is not credited to your Account\nby the Payment Due Date (see Section 11), or you do not pay your New Balance in full, we will impose an Interest Charge on the average daily balance\noutstanding on your Account for the number of days in your Billing Cycle.\n\xe2\x80\xa2 Interest Charges on Cash Advances: We will impose an Interest Charge for your cash advances (whether they are obtained by Check or Card) from the\ndate the cash advance posts.\n\xe2\x80\xa2 Calculation of Average Daily Balance(s): We use the average daily balance method (including current transactions) for calculating your average daily\nbalance(s). We will determine an average daily balance for each of your (1) purchase balances (including balance transfers) and (2) cash advance balances.\nTo get the daily balance for your purchase (including balance transfers) and cash advance amounts, we take the beginning balance of your Account each\nday, add any new purchase, cash advance and balance transfer amounts, as applicable, add any new charges and fees, subtract any applicable portions of\npayments and credits, and add applicable unpaid Interest Charges from the application of the daily periodic rate to each day\xe2\x80\x99s ending balance.\n\xe2\x80\xa2 Calculation of Your Interest Charge: Your Interest Charge for the period is based on the applicable APR associated with each balance. We disclose the\ncurrently effective APR in our Pricing Information Disclosure. Portions of your Balance, however, may be subject to prior APRs.We calculate Interest\nCharges separately for your purchase (including balance transfer) and cash advance balances under each applicable APR. We list each balance and the\napplicable interest rate in the Interest Charge Calculation section of your Statement. We compute each Interest Charge by:\n(1) calculating the daily periodic rate,\n(2) multiplying the average daily balance for each balance by the applicable daily periodic rate (which is based on the APR applied to that balance),\n(3) multiplying each of the products in (2) by the number of days in the Billing Cycle, and\n(4) adding together all the products obtained in (3) to obtain your Total Interest for the period.\n\xe2\x80\xa2 Minimum Interest Charge: The minimum Interest Charge, if any, imposed on your Account will be at least $1.00. The Pricing Information Disclosure\ndiscloses the actual minimum Interest Charge applicable to your Account.\nPage 1 of 5\n\n(3/20)\n\n\x0cb. Transaction Fees: You will pay additional Finance Charges, called \xe2\x80\x9cTransaction Fees,\xe2\x80\x9d if incurred. A description of these fees is included below; however, the\nactual fee for these transactions is listed in our Pricing Information Disclosure. In the first Billing Cycle in which a Transaction Fee is posted, the Transaction\nFee may cause the APR shown on your Statement for that Billing Cycle to exceed the nominal APR.\n\xe2\x80\xa2 Foreign Transaction (Foreign Currency Conversion) Fee. Visa International will convert any charges you incur in currency other than U.S. dollars into a\nU.S. dollar amount under the currency conversion procedures set forth in their respective Operating Regulations in effect at the time the transaction is\nprocessed. The non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar\ncurrency by a currency conversion or exchange rate. The currency conversion rate is either (1) a government-mandated rate in effect for the applicable\nprocessing date; or, (2) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa itself receives. The currency conversion rate is determined as of the date the transaction is processed and\nmay differ from the rate in effect on the date the transaction occurred or posted to your account. Visa charges us, as the processing bank, a percentage\nof the transaction amount. The fee we charge you for foreign currency conversions is contained in our Pricing Information Disclosure at the end of this\nAgreement.\n\xe2\x80\xa2 Cash Advance Fee. We charge you a fee for cash advances you make. For purposes of the imposition of Cash Advance Fees, the term \xe2\x80\x9ccash advance\xe2\x80\x9d\nmeans a cash advance loan made to you or on your behalf through the use of a Card, but does not include purchases, the use of Checks, or balance\ntransfers to your Account from credit card accounts you maintained at other financial institutions. See the Pricing Information Disclosure for the amount\nof the fee.\n\xe2\x80\xa2 Balance Transfer Fee. We charge you a fee for balance transfers you make. For purposes of the imposition of Balance Transfer Fees, the term \xe2\x80\x9cbalance\ntransfer\xe2\x80\x9d means a transfer of outstanding balances from other credit cards to your Account. See the Pricing Information Disclosure for the amount of the\nfee.\nc. Compounding of Finance Charges and Unpaid Finance Charges: Finance Charges compound daily. We will consolidate unpaid Finance Charges and other\nunpaid charges into your Account balance daily. In this way, unpaid Finance Charges and other unpaid charges from the previous day will be subject to and\nincluded in the calculation of the new Finance Charge.\n7. Rates: Your APR and Daily Periodic Rate are based on the latest prime rate as published in the Money Rates table of The Wall Street Journal on the last business\nday of the month (the \xe2\x80\x9cPrime Rate\xe2\x80\x9d). Your APR and Daily Periodic Rate are subject to increase (or decrease) monthly if the Prime Rate increases or decreases.\nYour APR will be equal to the Prime Rate as published on the last business day of the preceding calendar month, plus an applicable margin for purchases,\nbalance transfers and cash advances as shown on the Pricing Information Disclosure. The APR will never increase above the maximum rate allowed by\napplicable law. An increase in the Prime Rate, which causes the APR to increase, will result in an increase in the amount of the Finance Charge. This may cause\nan increase in the Minimum Payment Due or cause a smaller amount of your payment of the Minimum Payment Due to be applied to principal.\n8. Fees: Annual Fees, if any, Transaction Fees (e.g., Balance Transfer Fees, Cash Advance Fees, Foreign Currency Conversion Fees), and Penalty Fees (e.g., any Late\nPayment Fee, Over-the-Credit-Limit Fee, or Returned Payment Fee) are disclosed in our Pricing Information Disclosure. You also agree to pay the following\none-time fees if incurred:\na. Expedited Card Fee (for requests of expedited delivery of Cards): $35\nb. Document Fee (for duplicate copies of Statements and copies of charge slips or other documents not requested in connection with a billing error): $10 per\nStatement or item\nc. Expedited Delivery of Payment Fees (for rush payments):\n\xe2\x80\xa2 The fee to make payments through Western Union\xc2\xae Speedpay\xc2\xae Bill Payment Service (or similar service provider), will be disclosed to you at the time you\ninitiate payment through a Bank Customer Contact Representative.\n\xe2\x80\xa2 The fee to make payment transfers from one of your Bank checking or saving accounts with the assistance of a Bank Customer Contact Center\nrepresentative: $3.50\n9. Changes to Rates, Fees and Terms: We may add, delete or change any term of this Agreement at any time unless the law prohibits us from doing so. We can\nincrease your Interest Charge for new transactions and your Fees one year after your Account has been opened. We will send advance notice of any changes to\nyou at the address you have given us as required by law.\na. If we increase your fees, we will inform you of your options in advance, including any right you may have to opt out of some of these changes. If you do opt\nout, we will close your line of credit to new purchases and cash advances, and we will not permit you to transfer balances to your Account from another\ncredit card account. However, if you have failed to make the required Minimum Payment Due within 60 days after the Payment Due Date for that payment,\nyou agree that any new or changed fee(s) shall apply both to existing balances and new transactions.\nb. Your variable APR can go up or down monthly as the index for the rate goes up or down. If we increase your Interest Charge for any other reason, we will\nnotify you in writing; however, we will not apply any such increase to the existing balance in your Account.\nc. If the Bank has temporarily reduced your APR in connection with a hardship arrangement, we will notify you in writing when the arrangement ends and the\ntemporary APR reverts to your prior APR. The prior APR will then apply to your outstanding balance as well as to any new transactions.\nd. If you are a service member on special APR, we will notify you in writing, in accordance with federal regulations, when your APR reverts to your prior APR.\nThe prior APR will apply to your outstanding balance as well as to any new transactions.\n10. Billing Statement and Notification of Billing Error: We will send you a periodic Billing Statement every month. It is your responsibility to review the Statement\nand notify us promptly of any charge or item you believe to be in error or subject to dispute. If you do not notify us of any disputed items within sixty (60) days\nafter the date we send you the Statement on which the error first appears, the item(s) will be conclusively deemed as correct to the extent permitted by law.\nYou will not receive any cancelled Checks with your Statements; however, you may obtain a photocopy of an electronic image of any Check we have in our\nrecords that you request. You may be required to pay a Document Fee for such copies. (See Section 8 for fee).\n11. Payments and Late Payment Fee: You can pay off your Account balance in full each month or you can pay in monthly installments.\na. Crediting Your Payment: Payments must be made to us in U.S. dollars. Unless the payment is made electronically, it must be in the form of a personal\ncheck, money order, or cashier\xe2\x80\x99s check and capable of being processed through the Federal Reserve System. Payments must be drawn on a U.S. financial\ninstitution. We do not accept cash payments through the mail. We will credit your payment to your Account on the date we \xe2\x80\x9creceive it\xe2\x80\x9d as follows:\n\xe2\x80\xa2 If you make your payment in person at one of our branches on a Bank business day (any day except Saturday, Sunday or a bank holiday), we will credit\nyour payment on that day if we receive your payment prior to branch closing and you provide your payment coupon with your payment. Otherwise,\ncrediting of your payment will be delayed.\n\xe2\x80\xa2 If you make your payment by mail, we must receive it at the specific address we publish on your Billing Statement. Your payment coupon must be\nincluded with the payment. Otherwise, our receipt and crediting of your payment will be delayed.\n\xe2\x80\xa2 If you make your payment at one of our ATMs on a Bank business day, we will credit your payment on that day if you make the payment prior to the ATM\ncutoff time for that ATM and you include your payment coupon.\n\xe2\x80\xa2 If you make your payment via an electronic transfer (ACH transfer, bill pay, transfer from another account, etc.), we will credit your payment on the day\nthat it posts to your Account.\n\xe2\x80\xa2 If our crediting of your payment is delayed because your payment is mailed to the wrong address, does not meet our branch or ATM cutoff time, or does\nnot include your payment coupon (when applicable), we will generally credit your payment to your Account the next Bank business day, but no later than\n5 days after we receive it.\n\xe2\x80\xa2 We may delay posting all or a portion of your payment until it is honored by the paying bank.\nb. Minimum Payment Due: Your Minimum Payment Due is listed on your Statement and equals the lesser of:\nPage 2 of 5\n\n\x0cc.\nd.\ne.\n\nf.\ng.\n\n\xe2\x80\xa2 the amount of your New Balance, or\n\xe2\x80\xa2 the greater of:\n\xe2\x80\xa2 $30, or\n\xe2\x80\xa2 3% of the amount you owe, or\n\xe2\x80\xa2 the sum of Finance Charges accrued since the last Billing Cycle (including Interest Charges and Transaction Fees), plus any Penalty Fees, Annual Fees (if\napplicable), and one-time fees that have been posted to your Account, plus 1% of the amount you owe.\nMaking only the Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance.\nLate Payment Fee: If payment of the Minimum Payment Due amount on your Account is not credited to your Account by Payment Due Date, we will\ncharge you a Late Payment Fee unless your Minimum Payment Due is less than $30, in which case we will not assess a late Payment Fee. (See our Pricing\nInformation Disclosure for a description of the fee).\nReturned Payment Fee: We will charge you a Returned Payment Fee any time any payment you make to us is not paid by your financial institution for any\nreason even if that institution later pays it. (See our Pricing Information Disclosure for a description of the fee).\nPrepaid Status: If you pay more than the Minimum Payment Due during any particular Billing Cycle, you still must pay the Minimum Payment Due in\nsubsequent Billing Cycles unless we notify you that you are in \xe2\x80\x9cprepaid status.\xe2\x80\x9d Your Account can achieve \xe2\x80\x9cprepaid status\xe2\x80\x9d if you pay at least twice the\namount of the Minimum Payment Due but less than the New Balance, whichever is less. Your Account can be in prepaid status without a payment being\nrequired for a maximum of three consecutive months. If your Account is in prepaid status and you continue to make payments, the prepaid status will\nremain in effect until the prepaid amount is equal to or less than the Minimum Payment Due. Your Account cannot be in prepaid status if your Account is\nin an adverse condition (delinquent, over-the-credit-limit, etc.) or if the entire Balance is due. If you pay the New Balance in full or make a payment that is\ngreater than the balance, your Account cannot be in a prepaid status and any existing prepaid status that may exist is cancelled.\nApplication of Payments: We apply your Minimum Payment Due amount to your lower APR balances before higher ones. We apply any portion of your\npayment in excess of your Minimum Payment Due to higher APR balances before lower ones.\nSkip Payments: We may allow you to skip a payment during certain Billing Cycles (a \xe2\x80\x9cpayment holiday\xe2\x80\x9d). If you accept a payment holiday, we will continue\nto apply Interest Charges but will not impose a Late Payment Fee. All credit terms and provisions contained in this Agreement (including Minimum Payment\nDue and any applicable Late Payment Fee) will apply for the Billing Cycle following a payment holiday.\n\n12. Credit Obtained by Checks: To obtain credit by using Checks, you must use the Checks we provide to you that are imprinted with your name and Account\nnumber. You are liable and responsible for all Checks written against your Account if they are signed by anyone whom you authorized to do so. We are not\nliable or responsible for paying postdated Checks. We are also not liable or responsible if, due to our paying a postdated Check or other Check you have asked\nus not to pay, other Checks are dishonored or returned unpaid. We are not liable or responsible for dishonoring and returning a Check unpaid if (1) payment\nof the Check would cause you to exceed your available line of credit, (2) because you are then in default under, or in breach of the terms of this Agreement, or\n(3) because your privileges under this Agreement have been revoked. If, however, we pay any Check in our discretion that we could have properly dishonored\nor returned unpaid for any reason (including the above reasons), then you, nevertheless, agree to pay the amount of the Check. Payment of a Check shall not\nconstitute our waiver of amounts due and unpaid at that time.\n13. Ownership of Checks and Cards: Cards are issued by, and are the property of, First-Citizens Bank & Trust Company. Cards and related Checks remain our\nproperty at all times and may be repossessed by us at any time. We may refuse to issue or reissue you a Card or Checks, revoke your Card or limit Card use,\nand/or revoke your privileges relating to the use of Checks, without your knowledge and without notice to you. If we revoke your Card or withdraw your\nprivilege to use any Checks, and you become aware of such revocation/withdrawal, you must surrender to us or our agent the Card, the Checks, and any other\ncards or devices that may be used to access the Account. You must not use any expired, revoked or otherwise invalid Card or Checks to obtain, or attempt to\nobtain, credit. You must not use the Card, Checks and/or the Account for any illegal transactions.\n14. Responsibility for Charges to Your Account: We may charge your Account for any transaction authorized either by you or by any Authorized User. Valid\nauthorization for a transaction may be given (1) in writing (e.g., by signing a sales slip or cash advance slip), (2) verbally (e.g., by telephone), or (3) electronically\n(e.g., over the Internet). If you or any Authorized User gives your Account number to any third party who uses that information to initiate a charge against your\nAccount, we will consider the transaction authorized by you.\n15. Refusal to Honor Card or Checks; Adjustments: We are not responsible if a Merchant refuses to honor your Card or Checks. If your Account requires an\nadjustment for goods or services purchased (a return), we will make the adjustment only to your Account and only upon our receipt of a properly executed\ncredit slip. You agree not to accept any cash refunds with respect to any adjustments for goods or services purchased.\n16. Default:\na. Each of the following constitutes an event of default:\n\xe2\x80\xa2 Your failure to make any payment when due and payable.\n\xe2\x80\xa2 Any payment is dishonored\n\xe2\x80\xa2 Your failure to comply with any provision of this Agreement or any other agreement relating to other cards or devices that access your Account.\n\xe2\x80\xa2 You made an untrue statement on your application.\n\xe2\x80\xa2 Your death or insolvency, or your making an assignment for the benefit of creditors.\n\xe2\x80\xa2 The filing of a petition or commencement of any other proceeding under any bankruptcy, insolvency or receivership law by or against you.\n\xe2\x80\xa2 Issuance of any writ, order or notice of attachment, levy or garnishment against you or any of your property, assets or income.\n\xe2\x80\xa2 The occurrence of an event that gives us reason to believe that your ability to pay us on time has been impaired, or that you may use your Card or Checks\nimproperly.\nb. Our rights in the event of default: We may, at our option and after giving you all legally required notices and rights to cure, declare all amounts you owe\nus immediately due and payable with interest at the rate provided in this Agreement, refuse to authorize further transactions, close your Account, cancel\nall Cards, and revoke any privileges associated with such Cards. If this occurs, you agree to pay us, to the extent permitted by applicable law, all costs of\ncollection, including, without limitation, reasonable attorneys\xe2\x80\x99 fees and expenses. Any such attorneys\xe2\x80\x99 fees will be added to the unpaid Balance on your\nAccount and interest will be charged on this amount at the rate provided in this Agreement. We also have the right to cancel this Agreement and take\nimmediate possession of all Cards and Checks. If we close or permanently suspend your Account, you must destroy all Cards.\n17. Investigating Your Credit; Reporting Your Credit History: You authorize us, at any time we feel appropriate, to obtain or conduct whatever credit investigation\nwe feel is needed to evaluate your credit, personal or financial standing, and/or employment. Upon our request, you agree to provide us with your current\nfinancial information. You also authorize us to report information about your Account to consumer (credit) reporting agencies, and share your credit\nexperience, including information on late payments, missed payments, or other defaults on your Account, with consumer reporting agencies, creditors and\nany others. This information may be reflected in your credit report.\n18. Contacting You: To the extent permitted by applicable law, you expressly authorize us, our affiliates, our agents, and any independent contractors we hire to\ncontact you in person or by using an automated device or prerecorded messaging system or any other way at any telephone number or other electronic device\nor devices we or our affiliates or agents believe will or may connect us/them with you including, but not limited to (1) cell phone numbers you have given to us\nor we may acquire by any other means, (2) text messaging, (3) email, or (4) facsimile.\n19. Joint and Several Liability: Each applicant who signs the Account application shall be jointly and severally liable for all loans, purchases, advances and balance\ntransfers made on the Account whether by Card, Check or otherwise.\nPage 3 of 5\n\n\x0c20. Lost/Stolen Cards or Checks: When you discover that any Card or Check is lost, stolen or used in an unauthorized manner, you agree to notify us immediately\nupon such discovery:\n\xe2\x80\xa2 in writing: at Bankcard Center, P.O. Box 1580, Roanoke, VA 24007-1580; or\n\xe2\x80\xa2 by telephone: at 1.800.543.9000.\nYou agree to cooperate with us completely in our attempts to recover from unauthorized Card or Check users and to assist in the prosecution of such persons.\nYou will not be liable for any unauthorized use that occurs if you notify us promptly, either orally or in writing, of the loss, theft or possible unauthorized use. In\nany case, your liability will not exceed $50.00. Furthermore, your liability will not exceed $0 if you report the Card lost or stolen for all transactions made over\nthe Visa network.\n21. Cancellation: You may cancel this Agreement at any time by notifying us in writing and returning to us any and all Cards and/or Checks we have provided to\nyou. We may also cancel this Agreement at any time without notice except when prohibited by law. In either case, you must continue to pay all amounts you\nowe on your Account in accordance with the terms contained in this Agreement.\n22. Notices and Statements: Any notice or Statements we mail to the address we have for you as shown in our records for this Account shall be considered to have\nbeen given and received by you.\n23. Governing Law: This Agreement and your Account is governed by federal law and, to the extent permitted, by the laws of the State of North Carolina (even if\nyou are not a resident of North Carolina) in all respects, whether in contract or in tort, including matters of construction, validity and performance and matters\nrelating to terms, rates, fees and charges, but without giving effect to those principles of conflict of laws that might otherwise require the application of the\nlaws of another jurisdiction. You agree that, to the extent allowed by law, we may change the designation of the state whose law governs this Agreement. You\nacknowledge that your Account was approved in the State of North Carolina.\n24. Billing Rights:\nFEDERAL CONSUMER PROTECTION ACT DISCLOSURE\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the cardholder; \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d\nmean First-Citizens Bank & Trust Company.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us as soon as possible on a separate sheet of paper at the address shown on the first page of your\nStatement following the words \xe2\x80\x9cSend Inquiries and Correspondence to:\xe2\x80\x9d In your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error; and\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nIf you want us to stop payment on the amount you think is wrong, you must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement, and\n\xe2\x80\xa2 At least three (3) business days before an automated payment is scheduled.\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 errors and you may\nhave 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 corrected 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 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1. If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n2. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has 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 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 correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany 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 accesses your credit\ncard 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, contact us in writing at the address shown on the first page of your Statement\nfollowing the words \xe2\x80\x9cSend Inquiries and Correspondence to:\xe2\x80\x9d. While we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n25. Department of Defense Consumer Credit Disclosure: Federal law provides important protections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums;\nfees for ancillary products sold in connection with the credit transaction; and 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 credit card account). Please call (844) 757-3559 to have\nthis Disclosure provided to you orally.\nPage 4 of 5\n\n\x0cPricing Information Disclosure\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n10.99% to 21.99%,\n\nbased on your creditworthiness\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0% introductory APR for the first 12 billing cycles following account opening on any balance\ntransferred within the first 90 days following account opening.\nAfter that, your APR will be 10.99% to 21.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n21.99% to 24.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date will be at least 21 days after your billing statement is mailed or delivered to you.\n\xe2\x80\xa2 We will not charge you any interest on purchases and balance transfers if you pay your\nentire balance by the due date each month.\n\xe2\x80\xa2 We will begin charging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 Either $5 or 3% of the amount of each transfer, whichever is greater.\n\xe2\x80\xa2 Either $5 or 3% of the amount of each cash advance, whichever is greater.\n\xe2\x80\xa2 2% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Return Payment\n\n\xe2\x80\xa2 $25 for any payment 10 days or more past due.\n\xe2\x80\xa2 $0\n\xe2\x80\xa2 $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance method (including current transactions).\xe2\x80\x9d See the\nConsumer Credit Card Cardholder Agreement & Disclosure for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Consumer Credit\nCard Cardholder Agreement & Disclosure.\nHow We Will Calculate Your Variable APRs:\n\xe2\x80\xa2 Unless an introductory APR is in effect, we add a margin of between 7.74% and 18.74% to the Prime Rate to determine the APR for\nPurchases and Balance Transfers and a margin of between 18.74% and 21.74% for Cash Advances.\n\xe2\x80\xa2 Prime Rate: As published in The Wall Street Journal on the last business day of the preceding month; current rate is 3.25% as of\nMarch 31, 2020. See the Consumer Credit Card Cardholder Agreement & Disclosure for more details.\nLoss of Introductory APR: If an introductory APR is applicable to Balance Transfers, we may end your introductory APR and apply the\npost-introductory Balance Transfer APR if all or part of your required minimum monthly payment is more than 60 days late.\nThis information was printed in March 2020 and was accurate as of that date and is subject to change after that date. You should contact\nus to find out what may have changed by calling toll-free at 1.800.763.0356.\n\nRBPID \xe2\x80\x93 Standard (3/20)\n\nPage 5 of 5\n\n\x0c'