b'3/9/2021\n\nCardholder Agreement for Mission Lane Visa\xc2\xae and Mission Lane Cash Back Visa\xc2\xae. Please sign on to your account to view your specific\naccount terms.\n\nThe Mission Lane Visa\xc2\xae Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\n\n19.49% - 29.99%\n\nYour APR will vary with the market based on the Prime Rate.*\n\nPurchases\n\nAPR for Cash Advances\n\nPaying Interest\n\n27.74% - 29.99%\n\nYour APR will vary with the market based on the Prime Rate.*\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date or the first day of the billing cycle in which the\ntransaction is posted, whichever is later.\n\nMinimum Interest Charge\n\nFor Credit Card Tips from the\nConsumer Financial Protection\n\nIf you are charged interest, the charge will be no less than $0.50.\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nBureau\n\nFees\n\n1/18\n\n\x0c3/9/2021\n\nAnnual Fee\n\n$0 - $75\nNOTICE: This annual fee will be assessed when you begin using your card and will reduce the amount\nof credit you initially have available. For example, if you are assigned the minimum credit limit of $300,\nyour initial available credit will be only about $225.\nYou may still reject this plan, provided that you have not yet used the account. If you do reject the plan,\nyou are not responsible for any fees or charges.\n\nCash Advance\n\nTransaction Fee\nForeign Transaction\n\nThe greater of $10 or 3% of each cash advance.\n\nIf the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the\ntransaction, regardless of whether a currency conversion is performed at the time of the transaction.\n\nPenalty Fees\nLate Payment\n\nUp to $35\n\nHow Will We Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d See your Cardholder Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\n*How We Calculate Variable Rates: Your APR is a variable rate and may change quarterly. Your APR is determined by adding a margin of 16.24% - 26.74%\nfor Purchases and 24.49% - 26.74% for Cash Advances to the Prime Rate. The Prime Rate used to determine your APR for the billing cycle is the highest rate\nappearing in The Wall Street Journal on the 16th day of the calendar months of March, June, September, and December. If the Prime Rate has changed, the\nnew rates will take effect within the next two billing periods after the change. Any increase in the Prime Rate may increase your interest charges and your\nminimum payment.\n\n2/18\n\n\x0c3/9/2021\n\nYOUR CARDHOLDER AGREEMENT INCLUDES AN ARBITRATION AGREEMENT.\nPLEASE SEE BELOW FOR DETAILS.\n\nTHE MISSION LANE VISA\xc2\xae CREDIT CARD CARDHOLDER AGREEMENT\n(Effective June 2019)\nThis Mission Lane Visa\xc2\xae Credit Card Cardholder Agreement, together with your Mission Lane Visa\xc2\xae Credit Card Account Opening Disclosure,\nArbitration Agreement, card carrier and credit card application (collectively, this \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the use of The Mission Lane Visa\xc2\xae Credit\nCard (\xe2\x80\x9cCard\xe2\x80\x9d) and related credit account (\xe2\x80\x9cAccount\xe2\x80\x9d). All of the separate documents governing the Account, and any future changes we may make\nto this Agreement, are part of this Agreement. Please read this Agreement and retain a copy for your records. The date of this Agreement is set\nforth on your card carrier. However, this Agreement will only become effective if and when you (or a person authorized by you) activate your card\nby following the instructions on the sticker on the card, by contacting us with your request to activate the card, and make a transaction using the\ncard. Prior to then, you will not be responsible for any Card transaction if the Card is lost or stolen. Your first transaction must be a Purchase (as\ndefined below) and not a Cash Advance (as defined below). Your use of the Card is your consent to be bound by the terms of this Agreement.\nThe Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank (\xe2\x80\x9cTAB\xe2\x80\x9d), Ogden, UT, pursuant to a license from Visa U.S.A. Inc. TAB is the\ncreditor and Card issuer. As used in this Agreement, \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean TAB, and any assignee of its rights. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean all persons responsible for complying with this Agreement, including the applicant, the cardholder, any guarantor and the person to whom we\naddress Account statements.\nUse of the Card and Account: You may use the Card to make transactions only for personal, family or household purposes from any person or\nestablishment accepting the Card (each such transaction, a \xe2\x80\x9cPurchase\xe2\x80\x9d), to obtain cash advances from us or obtain cash or cash equivalents (each\nsuch transaction, a \xe2\x80\x9cCash Advance\xe2\x80\x9d) and to take advantage of other features of the Card. Cash Advances include: (a) using any convenience\n3/18\n\n\x0c3/9/2021\n\ncheck we provide you; (b) obtaining funds through an automated teller machine (ATM) or a financial institution; (c) purchasing a wire transfer,\nmoney order, foreign currency, travelers checks, lottery ticket, stored value load or other item that is a cash equivalent; (d) making a balance\ntransfer from another account if we allow such transfers; or (e) engaging in any similar transaction.\nYou agree to use the Card and Account only for legal and lawful purposes. Neither the Card nor the Account may be used for gambling purposes,\nwhether online or otherwise, or for the purpose of paying us on this or any other form of credit account you may have with us. If you do use your\nCard for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but\nyou still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed\nPromise to Pay: You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to\nyour Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their\nuse of the Card exceeds the authorization which you gave them.\nServicer: Mission Lane LLC (\xe2\x80\x9cMission Lane\xe2\x80\x9d), along with its partners and service providers, is the servicer of your Card and Account. In that\ncapacity, Mission Lane may act on our behalf, perform our obligations, or enforce our rights under this Agreement.\nCredit Limits: We will extend credit to your Account up to a maximum amount for Purchases (your \xe2\x80\x9cCredit Limit\xe2\x80\x9d). On your billing statements, we\nwill provide information about your Credit Limits and remaining credit as of the billing statement date. You agree not to exceed your Credit Limit.\nHowever, if you exceed your Credit Limit, we may authorize the transaction without increasing your Credit Limit, and you will remain liable for all\namounts payable under this Agreement. At our discretion, we may block transactions that would exceed your Credit Limit.\nWe will evaluate your Account at least once within the first 12 months of the Account opening to determine whether your Account is eligible for an\nincrease in Credit Limit based on certain factors, including but not limited to: 1) your history of on-time payments; 2) whether the Account is or has\nbeen over the Credit Limit; 3) whether or not the Account is currently or has been restricted from charging privileges; 4) whether or not you have\nclosed the Account or have filed for bankruptcy; 5) whether you have an actual ability to pay the higher credit limit. At our discretion, and subject to\napplicable law, we may change your Credit Limit at any time without advance notice to you.\nCash Advance Limit: Your Account is subject to a Cash Advance limit equal to 25% of your total Credit Limit ("Cash Advance Limit"). This means\nwe will not honor Cash Advance transactions that would cause the total amount of outstanding and unpaid Cash Advances to exceed 25% of your\noverall credit limit.\n4/18\n\n\x0c3/9/2021\n\nPayments:\nMinimum Payment. Your Account will be on a monthly billing cycle. Each billing cycle, you must pay at least the minimum payment amount by the\npayment due date shown on your billing statement (\xe2\x80\x9cPayment Due Date\xe2\x80\x9d). As specified in your Cardholder Agreement, the minimum payment is\nthe greater of (a) $25 or $35 (the \xe2\x80\x9cMinimum Amount\xe2\x80\x9d identified in your Cardholder Agreement), and (b) one of the following (\xe2\x80\x9cMinimum Payment\xe2\x80\x9d):\n3% of the new balance (rounded up to the nearest dollar), or\n1% of the new balance, plus the total billed interest charges and fees we have billed you on the statement for which your minimum payment\nis calculated, excluding your annual fee (rounded up to the nearest dollar), or\n1% of the new balance, plus the total billed interest charges on the statement for which your minimum payment is calculated (rounded up to\nthe nearest dollar).\nAny new balance less than the Minimum Amount is payable in full. The Minimum Payment will also include any amount past due.\nIf you make a payment greater than your Minimum Payment, this does not affect your obligation to make the Minimum Payment due on the next\nbilling statement. We do not pay interest on overpayments or any other credit balances created on your Account. Credits to your Account, such as\nfrom merchants, are generally not considered payments and will not reduce your Minimum Payment amount.\nWhen Payments Are Due. We must receive at least the Minimum Payment due on your Account by 5:00 p.m. Eastern Time on the Payment Due\nDate of each billing period (\xe2\x80\x9cCut-Off Time\xe2\x80\x9d). Payments received after the Cut-Off Time will be credited as of our next business day. Credit to your\nAccount may be delayed for up to five (5) days if we accept a payment that does not adhere to the requirements set forth in this section and on\nyour statement. The available credit on your Account may not reflect your payment for up to five (5) business days if we doubt the collectability of\nthe payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day\nthat we receive it, provided we receive your payment prior to the Cut-Off Time.\nWe may accept late payments, partial payments, or any payments marked or specially designated as being payment in full or as being similarly in\nsettlement of any dispute, without losing any of our rights under this Agreement or under the law to collect all amounts due and payable on your\nAccount. Our acceptance of such payments does not mean we agree to change this Agreement in any way.\nPayment Options. You can pay online through your online account, by mail, or by setting up automatic payments. Your payment must be made in\nU.S. dollars with a draft or a check drawn on a U.S. bank and payable in U.S. dollars, or with a telephonic or electronic payment authorization in\n\n5/18\n\n\x0c3/9/2021\n\nU.S. dollars. You agree not to send us any post-dated checks. If you do, we may deposit it immediately upon receipt, despite the later date on the\ncheck.\nPayment Allocation. We will apply the required Minimum Payment to balances on your Account using any method we choose, in accordance with\napplicable laws and regulations. Although your Minimum Payment will be applied in any order at our discretion, payments in excess of the\nMinimum Payment will be applied to balances with the highest APR first and then to lower rate balances in descending order of APR.\nCalculation of Finance Charge and Average Daily Balance:\nDaily Periodic Rates. The daily periodic rates for Purchases and Cash Advances are based on APR for Purchases and Cash Advances,\nrespectively, which may be adjusted monthly. The current daily periodic rate for Purchases and Cash Advances on your Account is calculated by\ntaking the applicable APR divided by 365 (\xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d).\nHow We Calculate Interest. We use the average daily balance (\xe2\x80\x9cADB\xe2\x80\x9d) method (including new transactions) to calculate interest on your Account.\nWe calculate the interest charge for each type of balance on your Account by applying the Daily Periodic Rate to the ADB. Then, we multiply this\namount by the number of days in the billing cycle.\nInterest charge = daily periodic rate x ADB x number of days in the billing cycle.\nThe ADB for Purchases and Cash Advances are calculated separately, starting with the beginning balance on the first day of each billing cycle.\nThe beginning balance on the first day of the billing cycle includes the following:\nThe prior billing cycle\xe2\x80\x99s ending balance, which includes any applicable unpaid fees posted to your Account in the prior billing cycle, and\nAny late payment fees posted in the current billing cycle that are related to a late payment in the prior billing cycle.\nTo get the ADB for each type of balance, we take the beginning balance each day and add any new transactions (including fees). Then, we\nsubtract any payments or credits. If specified in your Cardholder Agreement, we may also subtract non-accruing fees and unpaid interest charged.\nDepending on your Account and if specified in your Cardholder Agreement, except for the first day of each billing cycle, we add interest equal to\nthe previous day\xe2\x80\x99s balance multiplied by the Daily Periodic Rate. (This means interest is compounded daily.) This gives us the daily balance.\nTransactions subject to a grace period are not added to the daily balances. Any daily balance that is a credit balance will be treated as zero. Then,\nwe add up all the daily balances for the billing cycle. We divide this amount by the number of days in the billing cycle. This gives us the ADB.\n\n6/18\n\n\x0c3/9/2021\n\nADB = sum of daily balances \xc3\xb7 number of days in the Billing Cycle.\nMinimum Interest Charge. If you are charged interest in a billing cycle, the charge will be no less than $0.50 on Purchases and Cash Advances.\nWhen Interest Charges Begin: Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on\nPurchases if you pay your entire balance by the due date as shown on your billing statement for that billing cycle. There is no grace period for\nCash Advance transactions, and the interest charge begins to accrue from the date you obtained the Cash Advance, or the first day of the billing\nperiod in which it is posted to your Account, whichever is later.\nPreauthorized Recurring Merchant Transactions: You may authorize a merchant to automatically initiate a transaction on a recurring basis to\nyour Account. Upon the issuance by us of a new Card with a new Account number or expiration date, you may be required to contact the merchant\nto provide such updated information in order to continue the recurring transactions. You also authorize us to provide updated information to the\nmerchant at our discretion. You must contact the merchant if you want to cancel automatic billing.\nForeign Currency Transactions: If you make a transaction using your Account in a foreign currency (including, for example, online purchases\nfrom a merchant located outside of the U.S.), the transaction will be converted to U.S. dollars based on a rate selected by VISA U.S.A. Inc. (or any\nof its affiliates) from the range of rates available in wholesale currency markets for the applicable central processing date (which may vary from the\nrate VISA U.S.A. Inc. itself receives) or the government-mandated rate in effect for the applicable central processing date. The currency conversion\nrate used by VISA U.S.A. Inc. (or any of its affiliates) on the currency conversion date may differ from the exchange rate in effect on the day you\nmade the transaction or on the day the transaction is posted to your Account. Our fee is a percentage of the U.S. dollar amount of the transaction.\nCheck Conversion Notification; Electronic Check Re-Presentment: If you provide a check as payment, you authorize us and our servicers or\nagents either to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as\na check transaction. When we use information from your check to make an electronic funds transfer, funds may be withdrawn from your bank\naccount as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. In the event a\ncheck is returned unpaid for insufficient or uncollected funds, we may re-present the check electronically.\nFees: We will charge the following fees, subject to applicable law:\nAnnual Fee. We will charge an annual fee of $0 - $75 each year, whether or not you use the Account, and whether or not you have active charging\nprivileges. Unless waived your first year, your annual fee will be charged upon the first transaction on the Account and then annually thereafter.\n7/18\n\n\x0c3/9/2021\n\nLate Payment Fee. If we do not receive the Minimum Payment due on your Account by the Payment Due Date, we will charge a late payment fee\nof $25, or if specified in your Cardholder Agreement, $25 for the first occurrence and $35 for the second and subsequent late payments that occur\nwithin six (6) months of the first occurrence. However, we will not charge a late payment fee exceeding the Minimum Payment amount that is late.\nWe reserve the right to not assess a late payment fee on certain Accounts as we deem appropriate.\nCash Advance Fee. For each Cash Advance, we will charge a fee of either $10 or 3% of the amount of the Cash Advance, whichever is greater.\nThe Cash Advance Fee is treated as a transaction and added to your balance.\nEvents of Default: Subject to applicable law, we may consider your Account in default at any time if: (1) you fail to pay at least the Minimum\nPayment by the Payment Due Date; (2) you attempt to engage in a transaction that exceeds the Credit Limit; (3) you make a payment that is\nreturned unpaid to us for any reason; (4) you breach any term under this Agreement; (5) we determine that any statement made by you to us in\nconnection with this Agreement or your credit card application was false or misleading; (6) you breach any terms under any other agreement that\nyou have with us, Mission Lane or with any of their affiliates; (7) you file for bankruptcy or some other insolvency proceeding is filed by or against\nyou; (8) you are declared incompetent or mentally incapacitated, or in the event of your death; or (9) we have any reason to believe you may not\nbe creditworthy.\nDefault Remedies: Upon your default and subject to any limitations or requirements of applicable law: (1) we may declare the entire amount you\nowe us immediately due and payable and/or suspend or cancel your Account privileges; and (2) you agree to pay all reasonable costs, including all\ncourt costs plus all reasonable attorneys\xe2\x80\x99 fees if we must refer your Account for collection to any attorney who is not our employee.\nEntire Agreement: You acknowledge that this Agreement, as amended (which includes your Account Opening Disclosure, Arbitration Agreement,\ncard carrier and credit card application) constitutes the entire agreement between you and us with respect to the Account and the Card, and\nsupersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral communication or understanding between\nyou and us concerning the Account or the Card.\nWaiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not constitute a\nwaiver of such rights on any other occasion. We will not lose our rights under this Agreement because we delay in enforcing any of them.\nCustomer Privacy: Our privacy policy is provided separately in accordance with applicable law and can also be viewed online at\nhttps://www.missionlane.com/privacy.\n8/18\n\n\x0c3/9/2021\n\nAssignment: We may at any time and without notifying you, sell, transfer or otherwise assign your Account or any Account balances to any party\nat any time. You may not assign or transfer your Account or any of your rights and obligations under this Agreement. Any such assignment or\ntransfer by you will be void.\nChange of Terms: We may change the terms of this Agreement at any time, including any additions or deletions to the terms in this Agreement.\nThese changes may apply to existing and future balances on your Account as of the effective date of the change to the extent permitted under\napplicable law. We will give you advance written notice of any change and a right to reject the change if required by law. We may require you to\nclose your Account or take other actions if you reject the changes. Any change to any term of this Agreement will not excuse your obligation to pay\nall amounts owed under this Agreement.\nSpecial Offers: At our option, we may make a special offer to you at any time. A special offer may apply for a limited period of time and may be\nextended to certain cardholders based on criteria that we may determine in our sole discretion. Each special offer will be governed by the terms of\nthat offer and this Agreement. We will provide you the terms applicable to a special offer at the time we offer it to you. Special offer terms may\ntemporarily modify certain terms of this Agreement for qualifying payments or transactions. All other terms of this Agreement remain unchanged.\nAny such special offer will not limit or affect any of our rights we have under this Agreement or applicable law.\nSuspension/Revocation/Cancellation: Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use\nthe Card, or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice. Any such actions\non our part will not affect your obligation to pay us the outstanding balance, interest and fees under the terms of this Agreement. We are not liable\nfor any refusal to honor your Card or Account, or for the retention of your Card by any person or entity. If we revoke or cancel the Card, you must\ndestroy the Card or return the Card to us at our request. If a merchant that accepts Cards asks you to surrender an expired or revoked Card, you\nmust do so. You may not use a Card after it has expired or after it has been revoked or cancelled. You may cancel your Account at any time. If you\nask us to cancel your Account but we believe you have continued to use your Account after the date of cancellation, we will consider such use as\nyour request for reinstatement of your Account. We may then reinstate your Account.\nSeverability: Subject to the Arbitration Agreement: (1) if any part of this Agreement conflicts with applicable law, that law will control, and this\nAgreement will be considered changed to the extent necessary to comply with that law; and (2) if any part of this Agreement is determined by a\ncourt of competent jurisdiction to be invalid, the remainder of this Agreement will remain in effect.\n\n9/18\n\n\x0c3/9/2021\n\nEvents Outside of Our Control: We do not guarantee that you will always be able to make Purchases with your Card or your Card will always be\naccepted when you attempt to use it. We are not responsible and will not be liable for any Card or other failures resulting from events outside of\nour reasonable control.\nCommunications: To the extent permitted by applicable law, you agree that we have your express written permission and consent authorizing us,\nour affiliates, servicer, agents, assigns, marketing associates and service providers (collectively, the \xe2\x80\x9cMessaging Parties\xe2\x80\x9d) to contact you using\nautomatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems in\norder to provide you with information about this Agreement or your Account, including information about upcoming Payment Due Dates, missed\npayments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers, email addresses, or\nmailing addresses you supply to any of the Messaging Parties or that we obtain through any legal means. You understand that anyone with access\nto your telephone 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 anyone accessing such messages. You further understand that, when you receive a telephone call, text\nmessage or email, you may incur a charge from the company that provides you with telecommunications, wireless and/or internet services, and\nyou agree that the Messaging Parties will have no liability for such charges except to the extent required by applicable law. You expressly authorize\nthe Messaging Parties to monitor and record your calls with the Messaging Parties. You understand that, at any time, you may withdraw your\nconsent to receive text messages and calls to your cellphone or to receive artificial or prerecorded voice message system calls by calling the\nMessaging Parties at 855-790-8860 or by sending a request by email to support@missionlane.com with the subject line \xe2\x80\x9cEND\nCOMMUNICATIONS.\xe2\x80\x9d. To stop text messages, you can also simply reply \xe2\x80\x9cSTOP\xe2\x80\x9d to any text message the Messaging Parties send you. To stop\ncertain emails, you can follow the opt-out instructions included at the bottom of the Messaging Parties\xe2\x80\x99 emails.\nCredit Reports: You understand and agree that we may obtain a consumer credit report in connection with your request for credit and in\nconnection with any updates, renewals or extensions of any credit as a result of your request. If you ask, you will be informed whether or not such\na report was obtained and, if so, the name and address of the agency that furnished the report. You understand and agree that we may obtain a\nconsumer credit report in connection with the review or collection of any transaction on your Account or for other legitimate purposes related to\nsuch transactions. California Residents - you agree to waive your right to keep confidential from us information under Section 1808.21 of the\nCalifornia Vehicle Code.\nInformation Reporting: We may report information about your Account to other creditors, other financial institutions and credit bureaus.\nLate payments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report.\n\n10/18\n\n\x0c3/9/2021\n\nInaccurate Information: You have the right to dispute the accuracy of information we have reported. If you think any information about your\nAccount that we have reported to a credit bureau is incorrect, you can notify us by calling us at 855-790-8860 or writing to us at the Notice Address\nprovided above, Attn: Credit Reporting. Include your name, address, Account number, telephone number and a brief description of the issue. If\navailable, please include a copy of the credit report in question. We will research your issue and will let you know if we agree or disagree with you.\nIf we agree with you, we will contact the consumer reporting agency we reported to and request a correction.\nNotices and Change in Information: You must send any notices to Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348, Attn: Notice (\xe2\x80\x9cNotice\nAddress\xe2\x80\x9d). To the extent permitted under applicable law, any notice you send us will not be effective until we receive it and have had a reasonable\nopportunity to act on such notice. Any written or electronic correspondence we send to you will, however, be effective and deemed delivered when\nmailed to you at your mailing address or your email address if you have authorized electronic communications, in each case as it appears on our\nrecords. You must notify us of any changes to your name, mailing or email address, cell phone or home telephone number within 15 days of such\nchange. You can notify us by calling us toll-free at 855-790-8860 or by writing to Mission Lane at the Notice Address provided above, Attn: Change\nof Info. All bankruptcy notices and related correspondence to us may be sent to us at Mission Lane at the Notice Address provided above, Attn:\nBankruptcy Notice.\nIdentity Theft: If you believe that you have been the victim of identity theft in connection with your Account, contact us at 855-790-8860 or\nsupport@missionlane.com to request an Identity Theft Affidavit. You should send us a police report or written statement in the form we provide you\nalleging that you are the victim of identity theft for a specific debt. Once we receive your documentation, we will cease debt collection activity until\nwe have reviewed the materials, determined that the debt is still collectible, complied with all obligations described in the Billing Rights Notice\nbelow and sent you a written notice describing the basis for our determination.\nLost or Stolen Card: You agree to promptly notify us if you believe that your Card has been lost or stolen or that someone has used or may use\nyour Card or Account without your permission. You agree to assist us in determining the facts, circumstances and other pertinent information\nrelated to any loss, theft or possible unauthorized use of your Card or Account and to comply with such procedures as we may reasonably require\nin connection with our investigation, including the filing of one or more reports with the appropriate law enforcement authorities. Subject to\napplicable law, you acknowledge and agree that we may terminate our investigation if you fail to provide us with any such assistance or to comply\nwith such procedures, and we otherwise have no knowledge of facts confirming the unauthorized use of your Card or Account. In such\ncircumstances, we will deem any such use as having been authorized by you and you will be liable for the amount of any transactions plus interest\ncharges and fees incurred with any such use.\n\n11/18\n\n\x0c3/9/2021\n\nGoverning Law: Except as provided in the Arbitration Agreement below, this Agreement and your Account are governed by federal law and, to the\nextent state law applies, the laws of Utah without regard to its conflicts of law principles.\nInadvertent Overcharges: It is not our intention to charge any interest charges, fees or other amounts in excess of those permitted by applicable\nlaw or this Agreement. If any interest charge, fee or other amount is finally determined to be in excess of that permitted by applicable law or this\nAgreement, the excess amount will be credited to your Account or refunded to you.\nCollection Proceedings: To the extent permitted by applicable law, you agree that, in any collection proceeding by us, our servicer, or a direct or\nindirect purchaser of your indebtedness to us, unless you provide affirmative evidence, sufficient to the finder of fact, that our business records are\nincorrect, the records we maintain in the ordinary course of business, including monthly statements and/or summaries of information in our\ncomputer records, certified by any custodian of our records as accurate reflections of statements or information in our business records, provide\nadequate proof of the amounts due hereunder.\nHeadings: The section captions of this Agreement are inserted only for convenience and are in no way to be construed as substantive parts of this\nAgreement.\n\nARBITRATION AGREEMENT\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING\nARBITRATION AT EITHER PARTY\xe2\x80\x99S REQUEST. UNLESS YOU PROMPTLY REJECT IT, THE ARBITRATION AGREEMENT WILL HAVE A\nSUBSTANTIAL AFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE. ARBITRATION REPLACES THE RIGHT TO GO TO COURT,\nINCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN\nARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE\nSIMPLER AND MORE LIMITED THAN COURT PROCEDURES.\nAgreement to Arbitrate: Maintaining good relationships with our customers is very important to us. We ask that you contact us immediately if you\nhave a problem with your Account or a service we provide. Often a telephone call to us resolves the matter quickly and amicably. However, if you\nand we are unable to resolve our differences informally, you agree by opening or maintaining an Account with us, that if any dispute between you\nand us arises regardless of when it occurs, it will be settled using the following procedures: YOU AND WE AGREE AND UNDERSTAND THAT (1)\nYOU AND WE ARE GIVING UP THE RIGHT TO TRIAL BY JURY AND (2) THIS SECTION PRECLUDES YOU AND US FROM PARTICIPATING\n12/18\n\n\x0c3/9/2021\n\nIN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER\nPERSONS. In addition, your agreement to arbitrate and waive trial by jury shall be applicable to parties acting on our behalf, including agents or\nindependent contractors who collect your account on our behalf or purchase your account. This Arbitration Agreement is governed by the Federal\nArbitration Act (FAA), 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq., and not by any state arbitration law. Except as set forth below, the parties agree to arbitrate any\ndispute or controversy concerning your Account or related products or services. Either party may request that the matter be submitted to\narbitration.\nCommencing an Arbitration: The party electing arbitration must notify the other of such election. This notice may be given before or after a\nlawsuit has been filed concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by papers filed in the\nlawsuit such as a motion to compel arbitration. If you elect arbitration you must notify us in writing at Mission Lane LLC, P.O. Box 105286, Atlanta,\nGA 30348, Attn: Arbitration. If we elect arbitration we will notify you in writing at your last known address on file.\nClaim: A \xe2\x80\x9cClaim\xe2\x80\x9d is any unresolved claim, dispute or controversy between you and us, whether past, present or future, arising out of or related to\nthis Agreement, your Account, products or services governed by this Agreement or the relationships resulting from this Agreement or your\nAccount. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes\ndisputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and\nequity (including any claim for injunctive or declaratory relief). Solely for purposes of this Arbitration Agreement, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also\ninclude any person or entity named as a co-defendant with us in a Claim asserted by you. Notwithstanding the foregoing, individual actions brought\nin small claims court (or your state\xe2\x80\x99s equivalent court) are eligible for arbitration; however, if the action is transferred, removed, or appealed to a\ndifferent court, it shall be eligible for arbitration at either party\xe2\x80\x99s request.\nBinding Arbitration: Binding arbitration is a means of having an independent third party (the arbitrator) resolve a dispute without using the court\nsystem, judges or juries. Either you or we can request binding arbitration. Each arbitration, including the selection of the arbitrator, shall be\nadministered by the American Arbitration Association (AAA), according to the Consumer Arbitration Rules of the AAA. A single arbitrator shall be\nappointed. If you have a question about the AAA, you can contact them as follows: American Arbitration Association, 1633 Broadway 10th Floor,\nNew York, NY 10019, 1-800-778-7879, www.adr.org. If the AAA is unable to serve as administrator and you and we cannot agree on a\nreplacement, a court with jurisdiction will select the administrator or arbitrator, provided that no company may serve as administrator, without the\nconsent of all parties, if it adopts or has in place any formal or informal policy that is inconsistent with and purports to override the terms of the\nClass Action Waiver in this Arbitration Agreement.\n\n13/18\n\n\x0c3/9/2021\n\nPowers and Qualifications of Arbitrators and Arbitration Procedures: All arbitrators will be required to be practicing attorneys or retired judges\nand will be required to be experienced and knowledgeable in the substantive laws applicable to the subject matter of the dispute. Any arbitration\nhearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain a waiver of the AAA\xe2\x80\x99s or arbitrator\xe2\x80\x99s\nfiling, administrative, hearing and/or other fees, we will consider in good faith any request by you for us to bear such fees. Each party will bear the\nexpense of its own attorneys, experts and witnesses, regardless of which party prevails, unless applicable law or this Agreement gives a right to\nrecover any of those fees from the other party. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA,\napplicable statutes of limitation and privilege rules that would apply in a court proceeding, and shall be authorized to award all remedies available\nin an individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (which shall\nbe governed by the constitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys\xe2\x80\x99\nfees and costs. Upon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator\xe2\x80\x99s\naward will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator\xe2\x80\x99s\naward.\nClass Action Waiver: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION\nAGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER.\nThe arbitrator shall have no authority to conduct any class, private attorney general or other representative proceeding, and shall award\ndeclaratory or injunctive relief only in favor of the party seeking relief and only to the extent necessary to provide relief warranted by that party\xe2\x80\x99s\nindividual claim. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be\nnull and void, and the court\xe2\x80\x99s determination shall be subject to appeal.\nRights Preserved: This Arbitration Agreement and the exercise of any of the rights you and we have under this Agreement, does not stop you or\nus from exercising any lawful rights either of us has to use other available remedies; to comply with legal process; to obtain provisional remedies\nsuch as injunctive relief, attachment or garnishment by a court of appropriate jurisdiction; or to bring an individual action in court that is limited to\npreventing the other party from using or obtaining any provisional or self-help remedies and that does not involve a request for damages or\nmonetary relief.\nIn California: If an action or proceeding is initiated before any court in California and neither you nor we request that the dispute be submitted to\narbitration, then, upon motion by either you or us, the dispute shall be heard by an active attorney or a retired judge selected by the American\nArbitration Association (AAA) who is then appointed by the court in which the action commenced, according to the reference provision of the\n\n14/18\n\n\x0c3/9/2021\n\nCalifornia Code of Civil Procedure, Section 638 et seq. This reference process is not subject to a trial by jury; the trial is conducted before the\nactive attorney or retired judge under California law.\nEnforcement: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to\nstay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if such claims\nare part of a lawsuit, unless a trial has begun or a final judgment has been entered. Any dispute concerning the validity or enforceability of this\nArbitration Agreement must be decided by a court; any dispute concerning the validity or enforceability of the Agreement as a whole is for the\narbitrator. Failure or forbearance to enforce this Arbitration Agreement at any particular time or in connection with any particular Claims will not\nconstitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement\nbetween you and us regarding arbitration must be in writing. If either you or we fail to submit to binding arbitration following a lawful demand, the\nparty who fails to submit bears all costs and expenses incurred by the party compelling arbitration.\nSurvival and Severability of Terms: This Arbitration Agreement shall survive: (1) termination or changes in the Agreement, the Account, or the\nrelationship between you and us concerning the Account; (2) the bankruptcy of any party; and (3) any transfer, sale or assignment of your Account,\nor any amounts owed on your Account, to any other person or entity. If any portion of this Arbitration Agreement (except for the Class Action\nWaiver set forth above) is deemed invalid or unenforceable, the remaining provisions of the Arbitration Agreement shall remain in force. No portion\nof this Arbitration Agreement may be amended or waived absent a written agreement between you and us.\nRIGHT TO REJECT: You may reject this Arbitration Agreement by mailing a signed rejection notice to Mission Lane LLC, P.O. Box\n105286, Atlanta, GA 30348, Attn: Arbitration Rejection Notice, within thirty (30) calendar days after your Account is opened. Any\nrejection notice must include your name, address, email address, telephone number and Account number. This is the only manner you can\nreject this section. If you do that, only a court may be used to resolve any Claim. If you reject this Arbitration Agreement, that will not affect any\nother provision of the Agreement.\n\nSTATE NOTICES\nAll Accounts, including California and Utah Residents: As required by law, you are hereby notified that a negative credit report reflecting on\nyour credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nArizona: Mission Lane LLC does business in Arizona under the trade name Mission Lane Card Services LLC.\n\n15/18\n\n\x0c3/9/2021\n\nCalifornia: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account to the\nextent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any joint applicant. As\nrequired by law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations.\nDelaware: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.\nOhio: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit\nreporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\nWisconsin: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital\nproperty agreement, unilateral statement or court decree adversely affects a creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the\ncreditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. Married residents of\nWisconsin applying for an individual account must give us the name and address of their spouse if the spouse is also a Wisconsin resident. Please\nprovide this information to us at Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348.\n\nYOUR BILLING RIGHTS\nBy: Transportation Alliance Bank, Inc. dba TAB Bank\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 Statement.\nIf you think there is an error on your statement, write to us at: Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348, Attn: Billing Dispute. You also may\nsend an email to support@missionlane.com, the subject line \xe2\x80\x9cDISPUTE\xe2\x80\x9d.\n\n16/18\n\n\x0c3/9/2021\n\nIn 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.\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.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is wrong.\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 have\nto 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:\n\xe2\x80\xa2 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.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement 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\nthink you owe.\n\n17/18\n\n\x0c3/9/2021\n\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 with\nmerchant, 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:\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 been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we made to you, or if we own the company that\nsold you the goods or services.)\n2.You must have used your credit card for the purchase. Purchases made with cash advances from an ATM 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: Mission Lane LLC, Customer Service, P.O. Box\n30495, Tampa, FL 33630-3495.\nWhile we investigate, the same rules apply to the disputed amount as discussed above under the section entitled \xe2\x80\x9cWhile we investigate whether or not\nthere has been an error.\xe2\x80\x9d After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may\nreport you as delinquent.\nA.P.3.3.6\n\n18/18\n\n\x0c'


b'3/9/2021\n\nMission Lane Cash Back Program Terms\nWelcome to the Mission Lane Cash Back Program.\nPlease read and retain these Program Terms. Under the Program, if You are approved for the Card, Your Card is automatically enrolled in the Program,\nwhile your Card account remains in Good Standing.\nBy using the Card, You agree to be bound by these Program Terms in addition to the Cardholder Agreement that is provided upon approval for the Card.\nIn the event of a conflict between the Cardholder Agreement and these Program Terms, the Cardholder Agreement will govern, except the Program\nTerms will govern in any matter relating to the Program. We may change the Program Terms at any time. If we do, we will notify you of the changes and\npost any changes to the Program Terms on the Website. It is Your responsibility to review the Program Terms on the Website for a description of any\nsuch changes. Capitalized words and phrases used in these Program Terms have the meanings set forth in the section of these Program Terms entitled\n"Definitions," below.\n1. Eligibility and Enrollment\nWhen You receive Your Card, Your Card Account is automatically enrolled in the Program and will remain enrolled so long as You continue to reside in\nthe United States and keep Your Card Account in Good Standing.\n2. Cash Back Overview\n2(a). Earning Cash Back\nUnder the Program, you will earn Cash Back Credit for Net Qualifying Purchases. The amount of Cash Back Credit you will earn for each calendar\nmonth is one percent (1%) of the dollar amount of your Net Qualifying Purchases posted to your Card Account during that calendar month, minus any\nnegative Cash Back Credit balance that is created due to credits posted to your Card Account, as further explained in Section 3(a) of these Program\nTerms, below.\nOnce you activate Your Card, You will begin accruing 1% Cash Back on all Qualifying Purchases made on Your Card. Generally, there is no maximum\nannual limit on the amount of Cash Back Credit You can earn, as long as Your Card Account remains open and in Good Standing and You remain\neligible for participation in the Program.\nQualifying Purchase amounts include tax and are rounded to the nearest whole dollar amount, then multiplied by 1% to determine the amount of Cash\nBack earned. For example, if You have a Qualifying Purchase of $99.85, You will earn $1.00 in Cash Back Credit.\n2(b). Crediting Cash Back\nCash Back Credit is calculated based on Net Qualifying Purchases you make during a calendar month. Any Cash Back Credit You earn during a\ncalendar month will be applied automatically as a credit to Your Card Account on the seventh day of the next calendar month, or if the seventh day falls\non a weekend or holiday, the next business day thereafter. The amount of Cash Back Credit will be shown under the transactions section on your billing\nstatement for the billing cycle that includes the date such Cash Back Credit is applied. Depending on the date(s) You make Qualifying Purchase(s), Cash\nBack Credit for any given Qualifying Purchase may take up to two (2) months to appear on your billing statement. Cash Back Credit may result in a\n1/4\n\n\x0c3/9/2021\n\ncredit balance on Your Card Account. We may also award bonus Cash Back Credit for certain transactions and/or promotions from time to time in Our\nsole discretion (details will be provided with such offers).\n3. Cash Back Earning Limitations and Forfeiture\n3(a). Cash Back Earning Limitations\nBecause Your Cash Back Credit is calculated based on Net Qualifying Purchases, the amount of Your Cash Back Credit will be reduced by any credits\nposted to Your Card Account for returns, chargebacks or any other adjustments. A negative Cash Back Credit balance will occur if the amount of these\ncredits posted to Your Card Account in a calendar month exceed the amount of Net Qualifying Purchases you make in that calendar month.\nIf Your Card Account has a negative Cash Back Credit balance at the end of a calendar month and You make Net Qualifying Purchases during a\nsubsequent month, We will subtract the amount of such negative Cash Back Credit in calculating the amount of Cash Back Credit earned in such\nsubsequent month, as explained in Section 2(a) of these Program Terms, above.\nYou will not earn Cash Back Credit for any transactions made with a lost, canceled, stolen, or fraudulent Card. You will not earn Cash Back Credit in or\nafter any month in which (1) You file for bankruptcy, (2) You or We close Your Card Account; (3) You fail to comply with the Cardholder Agreement or\nany other agreements with Us, (4) We believe that You have engaged in fraudulent activity related to Your Card Account or the Program, (5) You engage\nin activities prohibited under the Cardholder Agreement; or (6) You are disqualified from participation in the Program pursuant to Section 5 of these\nProgram Terms, below. You will not earn Cash Back Credit for any calendar month during which you are delinquent in making payments on Your Card\nAccount, or during which your Card Account is not in Good Standing. If Your Card Account is no longer in Good Standing, any prior accrued Cash\nBack amount will not be credited to Your balance until Your Card Account status returns to Good Standing.\nExcept for the Cash Back Credit applied to your Card Account and reflected on your statement balance, Cash Back Credit has no cash value or other\nvalue, and may be used only as described in these Program Terms. Cash Back Credit cannot be assigned, transferred, gifted, sold, attached, pledged or\nbartered under any circumstance, including without limitation in case of disability or death, by operation of law or in connection with a domestic\nrelations or other legal dispute.\n3(b). Forfeiture of Cash Back Credit\nAny Cash Back Credit earned will be forfeited if, before such Cash Back Credit is applied to your Card Account, (1) You file for bankruptcy, (2) You or\nWe close Your Card Account; (3) You fail to comply with these Program Terms, the Cardholder Agreement or other agreements with Us, (4) We believe\nthat You have engaged in fraudulent activity related to Your Card Account or the Program, (5) You engage in activities prohibited under the Cardholder\nAgreement, or (6) You are disqualified from participation in the Program pursuant to Section 5 of these Program Terms, below. You will not be entitled\nto compensation from if Cash Back Credit is forfeited for any reason.\n4. Monitoring Your Billing Statement; Questions about Cash Back Credit\nIt is Your responsibility to regularly monitor Your Card Account and billing statements. If You believe there has been an error in connection with Your\nCash Back Credit, You must report the possible error to Mission Lane promptly, but no later than 60 days after the date of the billing statement that you\nbelieve reflects the error. After this 60-day period, Your Cash Back Credit as shown on such billing statement shall be deemed accurate. If You have any\nquestions regarding Your Cash Back Credit, You may contact Us at support@missionlane.com.\n2/4\n\n\x0c3/9/2021\n\n5. Review and Disquali cation\nWe reserve the right to review Your Card Account for compliance with these Program Terms. In the event the review reveals any discrepancy in the\nCash Back earned and credited, Cash Back Credit may be delayed until such discrepancies are resolved. We reserve the right to determine that you are\nno longer eligible for participation in the Program and disqualify You from the Program if Your Card Account is not in Good Standing, You provided\nfalse information in connection with Your Card Account or the Program, or You violated any of the Program Terms or Your Cardholder Agreement.\nSuch disqualification may be temporary or permanent and may result in the forfeiture of any accumulated Cash Back.\n6. Changes to the Program\nWe may, from time to time and in Our sole discretion, amend, delete or add to the terms of these Program Terms and may change or limit any aspect of\nthe Program and its restrictions, benefits or features, in whole or in part. Such changes may be retroactive as allowed by applicable law. Changes may\ninclude, but are not limited to, the definition of Qualifying Purchases, the availability of Cash Back Credit, the imposition of an annual Program\nmembership fee or the increase of any fees associated with the Program, or the percentage applied to calculate the amount of Cash Back, the method\nused to calculate the amount of Cash Back, or the amount of Cash Back Credit that may be earned. We will notify you and post any such changes to the\nProgram Terms on the Website. It is Your responsibility to review the Program Terms for any such changes.\n7. Termination\nWe reserve the right to suspend or terminate the Program and the Program Terms at any time. Our decisions regarding the Program are final. If the\nProgram is terminated, You will be notified of the date on which Your Card Account will cease earning Cash Back Credit.\n8. Taxes\nYou are responsible for any tax liability You incur related to Your participation in the Program. Please consult Your tax advisor concerning any such\nincome or other tax consequences.\n9. Incorporation of Cardholder Agreement\nThe terms of Your Cardholder Agreement are incorporated into the Program Terms for purposes of assignment, communication, governing law,\nenforcement rights and dispute resolution, including the arbitration provision contained therein. Please read your Cardholder Agreement for these\nimportant provisions.\n10. Program Assistance and Website\nThese Program Terms are available at www.missionlane.com/cash-back-terms. If You have questions, you can contact us at support@missionlane.com\nor call us at (855) 790-8860.\n\n3/4\n\n\x0c3/9/2021\n\n11. De nitions\n"Card" means Your Mission Lane Cash Back Visa\xc2\xae credit card issued by TAB Bank and serviced by Mission Lane.\n"Card Account" means Your credit card account accessed by use of Your Card.\n"Cardholder Agreement" means the agreement between You and TAB Bank which sets forth the terms governing Your Card Account, as\nmodified, amended or changed by TAB Bank from time to time.\n"Cash Back" and "Cash Back Credit" means an amount automatically applied as a credit to the balance on Your billing statement in accordance\nwith these Program Terms.\n"Good Standing" means that Your Card Account is not in default, as explained in the Cardholder Agreement, or over the credit limit, and you are\nin full compliance with the terms of the Cardholder Agreement.\n"Mission Lane" means Mission Lane LLC, the servicer of Your Card and Card Account.\n"Net Qualifying Purchase(s)" means the total of all new Qualifying Purchases You make with Your Card during a billing cycle, minus any credits\nposted to Your Card Account during the same billing cycle for returns, chargebacks, or any other adjustments.\n"Program" means the Mission Lane Cash Back Program described in the Program Terms.\n"Program Terms" means these Mission Lane Cash Back Program Terms, as amended from time to time.\n"Qualifying Purchase(s)" means the dollar amount of purchases of goods or services You make with Your Card, including sales tax, rounded up or\ndown, as applicable to the nearest whole dollar amount. Fees, interest charges, cash advances, balance transfers, purchases of traveler\'s checks,\nreloading of prepaid cards or other cash equivalents, and purchases made when Your Card Account is not in Good Standing, are NOT "Qualifying\nPurchases." We reserve the right to determine in Our sole discretion whether a particular transaction is a Qualifying Purchase.\n"TAB Bank" means Transportation Alliance Bank, Inc., a bank chartered under the laws of the state of Utah and headquartered in Ogden, Utah, the\nissuer of Your Card.\n"We", "Our", and "Us" means TAB Bank as the issuer of Your Card, or Mission Lane in its capacity as servicer of Your Card, and any assignee\nor successor of either of their respective rights.\n"Website" means www.missionlane.com/cash-back-terms\n"You" and "Your" means the person to whom the Card is issued.\n\n4/4\n\n\x0c'