b'Revision 02/2016\n\nCARDHOLDER AGREEMENT\n\nConsumer\n\nThis Agreement Describes Important Terms And Conditions\nThat Apply to Your Credit Card Account.\n1.\n\nDEFINITIONS\n\nAGREEMENT AND DISCLOSURE: This Cardholder (the \xe2\x80\x9cAgreement\xe2\x80\x9d) governs Your credit card account\n(the \xe2\x80\x9cAccount\xe2\x80\x9d) with MidFirst Bank, a federally chartered savings association.\nACCOUNT DOCUMENTS: You have received or will receive certain documents in connection with Your Account that We reference collectively as the \xe2\x80\x9cAccount\nDocuments,\xe2\x80\x9d which include the following:\n1.\n2.\n3.\n4.\n5.\n6.\n7.\n\nThe Agreement and all future changes to the Agreement;\nThe Credit Card Account Opening Disclosure (\xe2\x80\x9cDisclosure\xe2\x80\x9d);\nAny privacy notices that describe Our customer information practices;\nAll Billing Statements;\nAll documents and materials provided to You before You opened Your Account, including the Credit Card Application Disclosure;\nAll information related to the benefits associated with Your Account; and\nAny rewards terms and conditions and related information, if Your Account has rewards.\n\nThe Disclosure provides important information about annual percentage rates, specific types and amounts of interest charges and fees that may be charged to\nYour Account under certain circumstances, and other important information about Your Account. Please read the Agreement, the Disclosure, and Your other\nAccount Documents carefully and retain for future reference. This Agreement contains an arbitration provision (including a class action arbitration\nwaiver). It is also important that You read the entire \xe2\x80\x9cClaims and Arbitration of Disputes\xe2\x80\x9d section carefully.\nTHE PARTIES: As used in this Agreement, the words \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cYour\xe2\x80\x9d mean each person named on the application for the Account and anyone else authorized\nto use the Account in any way. The terms \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs\xe2\x80\x9d and \xe2\x80\x9cOur\xe2\x80\x9d mean MidFirst Bank, a federally chartered savings association (\xe2\x80\x9cMidFirst\xe2\x80\x9d). Using or allowing\nsomeone else to use Your Account means You accept the terms of the Agreement. This Agreement contains Our most current terms and supersedes earlier\nmaterials You may have received.\nBALANCE CATEGORIES: We will keep track of the activity on Your Account in different \xe2\x80\x9cBalance Categories.\xe2\x80\x9d\nThese are the Balance Categories We will use:\n\xe2\x80\x9cPurchases\xe2\x80\x9d result from use of Your card or Your Account number to purchase goods and services;\n\xe2\x80\x9cCash Advances\xe2\x80\x9d result from Your cash advances, use of checks or similar instruments (including electronic\nform or otherwise) that We provide (unless We tell You they will be treated differently), and Cash Equivalent\nTransactions (defined below);\n\xe2\x80\x9cBalance Transfers\xe2\x80\x9d result from balances transferred from Other Accounts to Your Account by any means; and\n\xe2\x80\x9cSpecial Offers\xe2\x80\x9d result from use of Your card or Your Account number to take advantage of Introductory Rates\nor other special or promotional offers that We may make available to You. Each Special Offer may be considered\na separate Balance Category. The amount and length of any Introductory Rate are described in the Disclosure.\nBILLING STATEMENT: We will send You \xe2\x80\x9cBilling Statements\xe2\x80\x9d (also referenced as \xe2\x80\x9cStatements\xe2\x80\x9d and \xe2\x80\x9cPeriodic Statements\xe2\x80\x9d) showing Account information\nincluding, among other things, transactions posted to Your Account during a Billing Cycle, the Minimum Payment that is due on Your Account for the Billing Cycle\nand the due date. A \xe2\x80\x9cBilling Cycle\xe2\x80\x9d is a period of time determined by Us that is described on Your Billing Statement.\n2.\n\nUSE OF YOUR ACCOUNT\n\nACCOUNT USE: You may use Your card, Your Account number or checks, or similar instruments (including electronic form or otherwise) that We send to You\n(collectively, \xe2\x80\x9cAccount Access Devices\xe2\x80\x9d) to make Purchases and Balance Transfers, and to obtain Cash Advances. Each time You use Your Account, You are\nrepresenting that You intend, and have the ability, to repay all amounts due. You are responsible for all charges made by anyone You allow to use Your Account,\neven if they charge more than You intended. If You request that We issue a card or any Account Access Device to another person, You are responsible for\nall charges incurred by such person until You return their card to Us, or until You notify Us that use of their card or any Account Access Device is no longer\nauthorized, whichever occurs first. We may, in Our discretion and to the extent permitted by law, restrict or refuse any request that We issue a card or any\nAccount Access Device to another party. If unauthorized use of Your Account occurs, You agree to cooperate with law enforcement and Us in identifying the\nunauthorized user. As permitted by law, We may consider charges made by someone known to You (i.e. family member, relative, significant other, partner,\nroommate, co-worker, friend) using Your card or any Account Access Device as authorized by You. Each person named on the application for the Account and\nanyone else authorized to use the Account in any way is jointly and severally liable for all amounts due on this Account.\n\n\x0cCREDIT LIMIT/AUTHORIZATIONS: Your \xe2\x80\x9cCredit Limit\xe2\x80\x9d is the maximum amount of credit available under Your Account at any time. We will notify You of Your\nCredit Limit with Your Account Documents and on Your Billing Statements, and We may change or restrict Your credit availability at any time. You agree not to\nexceed the established Credit Limit and to pay any amount in excess of Your Credit Limit immediately. We are not obligated to allow the balance of Your Account\nto exceed its Credit Limit. If Your Account is a joint Account, each of You may request Credit Limit increases subject to applicable law. We may raise or lower\nYour Credit Limit at Our discretion and may restrict the amount of the Credit Limit available for Cash Advances and Balance Transfers. You may not use Your\nAccount for (and We may decline authorization for) any illegal transaction. We may decline authorization for any Internet gambling transaction. We may, in Our\ndiscretion and to the extent permitted by law, restrict or delay the availability of credit to You for risk management purposes, and to protect You and Us against\nactual or potential fraud, unauthorized transactions, or claims. We are not liable for declining authorization for any particular transaction, regardless of reason.\n3.\n\nPAYMENTS\n\nPROMISE TO PAY: You promise to pay all amounts due on Your Account. You agree to review Your Billing Statements and to notify Us promptly of any errors (see\n\xe2\x80\x9cYour Billing Rights\xe2\x80\x9d below). You may pay all or part of the balance on Your Account at any time. However, You must pay at least the Minimum Payment shown\non Your Billing Statement by the due date each month. You agree to follow the requirements for payments that We set forth on Your Billing Statement, including\nrequirements that payments be made in U.S. dollars and checks be drawn on a U.S. bank. If We choose to accept a payment that is not in U.S. dollars or not\ndrawn on a U.S. bank, You agree to pay any collection or conversion fees assessed to Us by third parties. We may accept payments which are marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or with similar markings without losing Our right to receive payment of all amounts due on Your Account. Partial payments offered in full satisfaction of a\ndisputed amount must be sent to the address for notice of billing errors shown on Your Billing Statement. We reserve Our rights as to all such payments.\nMINIMUM PAYMENT CALCULATION: The \xe2\x80\x9cMinimum Payment\xe2\x80\x9d is the minimum dollar amount that is shown on Your Billing Statements that must be paid before\nthe due date that is specified in Your Billing Statement each month.\nThe Minimum Payment shall be:\n(A) Your total new balance if it is less than or equal to $25; or\n(B) The greater of (a) $25, or (b) the billed Interest Charges and billed late fees, if any, plus 1% of the total new balance.\nIf Your Account balance exceeds Your Credit Limit, We will add to the Minimum Payment the amount necessary to reduce Your balance to Your approved Credit\nLimit. If Your Account is past due, We will also add any amount that is past due on Your Account.\nAPPLICATION OF PAYMENTS: We may apply Your Minimum Payment to Balance Categories in the order We choose. We apply payment amounts above the\nMinimum Payment to the Balance Category with the highest Annual Percentage Rates, in descending order. Until We determine a payment is unlikely to be\nreturned, Your available credit may not reflect the payment.\nAPPLICATION OF CREDITS: We will apply credits, such as a merchant\xe2\x80\x99s refund for goods or services purchased on Your Account, to Your Account as required by\nlaw. In some cases, credits may not be posted to Your Account until a Billing Cycle subsequent to the date of the credit transaction.\n4.\n\nINTEREST CHARGES & FEES\n\nFIXED RATE INFORMATION: If any Annual Percentage Rate is expressly labeled or described as \xe2\x80\x9cfixed\xe2\x80\x9d on Your Account, that fixed rate will not change for any\nreason during (i) its specified duration; or (ii) the life of the applicable balance or Account if either no duration is specified or the duration is indefinite. If any\nAnnual Percentage Rate is not expressly labeled or described as \xe2\x80\x9cfixed,\xe2\x80\x9d it is variable.\nVARIABLE RATE INFORMATION: If any Annual Percentage Rate is variable, Your rate is determined by adding the applicable margin to the applicable Index, as\ndescribed in the Disclosure. The daily periodic rate is 1/365th (1/366th during leap years) of the Annual Percentage Rate.\nINCREASED AND/OR PENALTY RATES: If We do not receive Your required Minimum Payment by its due date, You exceed Your Credit Limit, or You make a\npayment to Us that is dishonored or returned for any reason, We may increase any or all of Your Annual Percentage Rates on future transactions (including, but\nnot limited to Special Offer Rates). We also may increase the Annual Percentage Rates on all Your balances and transactions, including those incurred prior to\nthe notice of increase, if We do not receive Your required Minimum Payment within 60 days after its due date. If We increase Your rates, We may determine the\namount of the increase based on historical information regarding Your Account and Your credit in general. We will give You a notice of the increase. The highest\nrate that may apply will be the \xe2\x80\x9cPenalty Rate\xe2\x80\x9d (or \xe2\x80\x9cPenalty APR\xe2\x80\x9d) shown on the Disclosure, subject to applicable law. However, increased rates will cease to\napply if We receive six consecutive monthly Minimum Payments on or before their payment due dates, beginning with the first payment due date following the\neffective date of the increase. When a Penalty Rate ceases to apply, the interest rate in effect before the increase will again apply as disclosed.\nACCRUAL OF INTEREST CHARGES: We will accrue Periodic Rate Interest Charges on each of the Balance Categories from the date of each transaction or the\nfirst day of the Billing Cycle in which the transaction is added to Your Account, whichever is later.\nGRACE PERIOD: We will not charge You any interest on Purchases if You pay Your entire balance by the due date each month; this is called the \xe2\x80\x9cGrace Period.\xe2\x80\x9d\nPayment in full is generally required to obtain the benefit of the Grace Period. However, We will give You the benefit of the Grace Period for partial payments to\nthe extent required by law. The Grace Period applies only to Purchases and, if applicable, Special Offers. The Grace Period does not apply to Balance Transfers or\nCash Advances.\nPERIODIC RATE INTEREST CHARGES: \xe2\x80\x9cPeriodic Rate Interest Charges\xe2\x80\x9d are charges to Your Account based on the application of Annual Percentage Rates, and\nwill be calculated using daily periodic rates which correspond to applicable Annual Percentage Rates. These rates may vary by Balance Category.\n(A) If Your Account was opened with an Introductory Rate(s), the rate(s) for Your Account will be at the Introductory Rate(s) shown on the Disclosure and will\ncontinue in effect as shown on the Disclosure.\n\n\x0c(B) After the Introductory Rate(s) expire or if Your Account does not have an Introductory Rate, the Annual Percentage Rate(s) for Your Account will be the rate(s)\nshown on the Disclosure.\n(C) The Annual Percentage Rate(s) applicable to any Special Offers and circumstances under which it will apply will be provided to You when We make the offer.\nINTEREST CHARGES AND BALANCE CALCULATIONS: We use the Average Daily Balance (including new Purchases) method to compute a portion of the\ninterest charges on Your Account. We calculate Periodic Rate Interest Charges separately for each Balance Category.\n(A) To compute billed Periodic Rate Interest Charges:\n(1) For each Balance Category, We multiply Your \xe2\x80\x9cDaily Balance\xe2\x80\x9d (see below) by the applicable daily periodic rate for each day of the Billing Cycle; then\n(2) We add together all of the amounts calculated in (1) above.\n(B) To compute the \xe2\x80\x9cDaily Balance\xe2\x80\x9d for each Balance Category:\n(1) We take the beginning balance of the Balance Category each day;\n(2) Add any new transactions (such as purchases, balance transfers, cash advances and debit adjustments, as applicable) and any new fees\napplicable to that Balance Category; and\n(3) Subtract any payments, credits, credit adjustments, non-accruing fees and unpaid interest charges applicable to that Balance Category.\nWe treat a credit balance as a balance of zero. Also, for purposes of these computations, We may delay adding some fees to Your Daily Balance for each Balance\nCategory (for example, some fees may not be added to Your Daily Balance until the Billing Cycle after they are imposed). We may also subtract some payments\nor portions of some payments from Your Daily Balance of each Balance Category earlier than when they were actually received (for example, for Grace Period\npurposes, portions of some payments received in one Billing Cycle may be considered applied to Your Purchase Balance Category or Special Offer Balance\nCategory, as applicable, at the end of the prior Billing Cycle).\nWe add the amount calculated in accordance with (A)(1) above to the Daily Balance for each Balance Category and this amount becomes the beginning balance\nfor that Balance Category for the next day.\nOn Your Billing Statement, We will calculate an \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d for each Balance Category by adding all Your Daily Balances for that Balance Category\nand dividing that amount by the number of days in the Billing Cycle. If You multiply the Average Daily Balance for a Balance Category by its daily periodic rate\nand multiply the result by the number of days in the Billing Cycle, the total will equal the billed Periodic Rate Interest Charges for that Balance Category, except\nfor minor variations due to rounding.\nBilled Periodic Rate Interest Charges will appear on Your Billing Statement labeled as \xe2\x80\x9cInterest Charge\xe2\x80\x9d for each Balance Category. The Interest Charges for each\nBalance Category will be totaled on Your Billing Statement and listed as the \xe2\x80\x9cTotal Interest.\xe2\x80\x9d This Agreement provides for daily compounding of interest charges\nand fees.\nBALANCE TRANSFERS AND BALANCE TRANSFER FEES: We may permit You to transfer balances from other credit card companies or financial institutions\n(\xe2\x80\x9cOther Accounts\xe2\x80\x9d) to Your Account. All Balance Transfer requests are subject to Our approval; We are not liable if We do not accept a requested Balance\nTransfer. We reserve the right to process Balance Transfers in the order We select and to limit the amount of any Balance Transfers that We may process (this\namount may be less than Your Credit Limit). If You request an amount that We do not approve, We may process a partial transfer for less than You requested or\nWe may decline the entire request. You may not transfer any balance You owe from any other MidFirst account or any of Your accounts with any of Our related\ncompanies. You should not transfer any amount that is in dispute in order to preserve Your dispute rights. You should continue to monitor the Other Accounts\nfrom which You have requested a balance be transferred to Your Account and You should continue to pay the minimum payments due on the Other Accounts\nuntil You receive confirmation from those creditors showing that the balances due on the Other Accounts have been paid in full. This may not happen until after\nthe Balance Transfer appears on Your Billing Statement from Us. We are not liable for any late payments, interest or finance charges or disputed amounts on\nYour Other Accounts. If You want Your Other Accounts closed following a Balance Transfer, You are responsible for doing so.\nWe will charge You a Balance Transfer Fee for each Balance Transfer as shown on the Disclosure. Balance Transfer Fees will be added to Your Balance Transfers\nBalance Category.\nCASH ADVANCE FEES: A Cash Advance Fee will be imposed for each Cash Advance transaction as shown on the Disclosure and added to Your Cash Advances\nBalance Category.\nCASH EQUIVALENT TRANSACTION FEES: A Cash Advance Fee will be charged for each Cash Equivalent Transaction as indicated on the Disclosure. \xe2\x80\x9cCash\nEquivalent Transactions\xe2\x80\x9d are those transactions performed using a merchant or service provider that Visa\xc2\xae or MasterCard\xc2\xae identifies as a seller of traveler\xe2\x80\x99s\nchecks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. These transactions\nare also treated as Cash Advances for all other purposes on Your Account, including the Annual Percentage Rate that applies to the Account. Cash Advance Fees\nwill be added to Your Cash Advances Balance Category.\nFOREIGN TRANSACTION FEES: A Foreign Transaction Fee may be assessed on all transactions made a.) in currencies other than U.S. dollars; (b.) with a foreign\nmerchant; or (c.) outside the United States. The foreign transaction fee will be equal to a certain percentage of the amount of each foreign transaction (after\nconversion to U.S. dollars) as shown on the Disclosure. These fees will be added to the Balance Category that We select.\nANNUAL FEE: : If Your Account has an annual fee, it is shown on the accompanying Disclosure and will be charged to Your Account as a Purchase.\nOTHER FEES: We may charge additional fees from time to time. The amount charged for these fees is shown in the Disclosure unless otherwise indicated. Each\nof the below fees will be added to the Balance Category that We select.\n\n\x0cLate Payment Fee. For each Minimum Payment which is not received by the payment due date or is dishonored for any reason, We may charge You a late fee as\ndisclosed on the accompanying Disclosure according to the amount of Your new balance.\nReturned Payment Fee. Subject to applicable law, a returned payment fee may be assessed as indicated on the Disclosure for any payment (including any\nACH or electronic payments) on Your Account which is dishonored or returned unpaid for any reason (including any payment returned because it is not signed,\nauthorized or cannot be processed for any reason).\nStop Payment Fee. A stop payment fee may be assessed as indicated on the Disclosure for any stop payment You request Us to make with respect to checks\nthat access Your Account, including Cash Advance checks or Balance Transfer checks.\nCopy Fees and Additional/Replacement Card Fees. We may charge You a fee for (i) each sales draft copy You request (unless the request is related to a billing\nerror); (ii) each additional or replacement card requested; and (iii) for each copy of a Billing Statement that You request. These fees are not listed on the\nDisclosure but will be disclosed to You upon Your request of such copies and/or additional or replacement cards.\nCustomized Card Design Fee. We may charge You a fee for having Us complete a customized card design that You request. This fee is not listed on the\nDisclosure but will be disclosed to You upon Your request of such customized card design.\nExpedited Card Fees. We may charge You a fee for an expedited delivery of additional or replacement cards. This fee is not listed on the Disclosure but will be\ndisclosed to You upon Your request of such expedited delivery.\nExpedited Payment Fee. Subject to applicable law, We may charge You a fee for making an expedited payment that requires assistance from one of Our\ncustomer service representatives. This fee is not listed on the Disclosure but will be disclosed to You upon Your request of such expedited payment assistance.\nATM Surcharge. For all ATM transactions, a surcharge may be imposed by the ATM operator. This surcharge is imposed by third parties and will be charged to\nYour Account.\nTRANSACTIONS MADE IN FOREIGN CURRENCIES: Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars under the current\nregulations of Visa\xc2\xae, MasterCard\xc2\xae or the Visa\xc2\xae/PLUS\xc2\xae ATM Network. Those regulations currently provide that the conversion rate may be either (a.) a wholesale\nmarket rate or (b.) a government-mandated rate. Visa\xc2\xae and MasterCard\xc2\xae currently use the rate in effect on the date they process Your transaction. The currency\nconversion rate in effect on the date Your transaction is processed may differ from the rate in effect on the transaction date or the posting date. The Visa\xc2\xae/\nPLUS\xc2\xae ATM Network currently uses the rate in effect on the transaction date.\n5.\n\nCLOSURE OR IMMEDIATE PAYMENT OF YOUR ACCOUNT\n\nREASONS FOR REQUIRING IMMEDIATE PAYMENT: Subject to applicable law and any right to cure that You may have under that law, We may require\nimmediate payment of Your entire Account balance if:\n1.\n2.\n3.\n4.\n5.\n6.\n7.\n8.\n9.\n10.\n11.\n\nYou do not make any Minimum Payment to Us when due;\nYou exceed Your Credit Limit;\nYou make a payment to Us that is dishonored for any reason;\nYou die;\nYou give Us false or misleading information;\nA petition is filed by or against You in any bankruptcy or other insolvency proceeding;\nA receiver, liquidator or trustee is appointed for You or any of Your property, or You make an assignment for the benefit of creditors;\nYou are generally not paying or have announced that You will not pay Your debts as they come due;\nA breach occurs under any note, loan agreement, or other obligation for borrowed money to which You are a party;\nA material adverse change occurs in Your financial or other condition; OR\nYou violate this Agreement or any other agreement You make with Us.\n\nFurther, if any of the above-referenced events occurs, We may take the following actions with or without notice to You (in accordance with applicable law): close\nor suspend Your Account, lower the Account Credit Limit, increase Your Minimum Payment, pursue any other lawful action against You, including the filing of a\nlawsuit against You. Our acceptance of a payment after one or more of the above-listed events does not waive Our right to pursue any other lawful remedies to\nwhich We are entitled under law.\nCOLLECTION COSTS: You agree to pay all of Our reasonable costs incurred in pursuing collection of the amount You owe, including attorneys\xe2\x80\x99 fees.\nTERMINATION OR SUSPENSION OF CREDIT PRIVILEGES: We may at any time, with or without cause and without advance notice, terminate this Agreement\nand/or temporarily or permanently suspend Your credit privileges. Your obligations under this Agreement continue after Your rights to obtain credit have been\nterminated or suspended.\n6.\n\nCHANGES IN TERMS AND OUR RIGHTS\n\nIMPORTANT NOTICE REGARDING CHANGES IN TERMS: Subject to applicable law, We may unilaterally change the Annual Percentage Rates, fees and other\nterms of this Agreement at any time, including after Your Account is closed (regardless of the reason You or We closed the Account). This includes modifications,\ndeletions of existing terms, and the addition of new provisions, including nonfinancial provisions (for example, We may add provisions relating to Our\nenforcement rights or the resolution of claims and disputes). If We make changes, We will send You all notices required by law. Unless We explain otherwise in a\nchange in terms notice You receive, the following rules will apply: (1) changes will be automatically effective on the date We specify and without the necessity of\nany further assent on Your part; and (2) use of Your Account is not necessary for a change in terms to be effective.\n\n\x0cOUR RIGHTS: Our failure to exercise, or Our delay in exercising, any of Our rights under the Agreement for any reason will not mean We are unable to exercise\nthose rights later. We may, from time to time on a consistent or inconsistent basis, take (or refrain from taking) certain actions that benefit You but that are not\nrequired by this Agreement or applicable law. Any such course of dealing or course of performance on Our part shall not be considered as an additional legal\nobligation to You under this Agreement. We may discontinue any such course of dealing or course of performance at any time without prior written notice.\n7.\n\nUSING YOUR ACCOUNT THROUGH CHECKS AND SIMILAR INSTRUMENTS\n\nCHECKS THAT ACCESS YOUR ACCOUNT: Any checks or similar instruments (including electronic form or otherwise) that We provide to You or issue on Your\nbehalf will be treated as Cash Advances, unless We indicate otherwise. Checks or similar instruments (including electronic form or otherwise) that We provide\nto You may not be used to make payments on any account You have with Us. To stop payment on a check or similar instrument (including electronic form or\notherwise), You must notify Us of the number and amount of the check or similar instrument before We receive it; We need not stop payment on checks or\nsimilar instruments that We issue on Your behalf. We may pay postdated checks or similar instruments (including electronic form or otherwise) unless You follow\nthe procedure for stop payments.\n8.\n\nOTHER PROVISIONS\n\nCARDHOLDER BENEFITS AND REWARDS: We may provide You with the opportunity to earn cardholder benefits and rewards with respect to Your Account. If We\ndo, We will separately provide You with the terms and conditions applicable to these opportunities. If there is any rewards membership fee on Your Account, it\nwill be outlined in Your rewards terms and conditions document and will be charged to Your Account as a Purchase. Cardholder benefits and rewards are subject\nto change or termination without notice. Cardholder benefits and rewards also may be provided by third parties; We are not liable for such benefits or rewards\nor for the actions or omissions of those third parties.\nCOMMUNICATIONS WITH YOU AND OTHERS (including credit bureaus): We may call or email You (using live operators, automatic dialing devices, and/or\nrecorded messages) at home or work and those calls or emails will not be considered unsolicited. If You provide a mobile phone number to Us, either on the\napplication or to a representative, You expressly agree and consent that We (or third parties on Our behalf) may contact You (including for collection purposes)\nat that mobile phone number through telephone calls or through mobile text messages, and represent that You have the authority to agree and consent to such\ncontacts. You acknowledge that such consent is applicable even if You are charged by Your service provider for Our communications to You. We may monitor\nor record any calls We make or receive. If You provide Us with an email address, either on the application or to a representative, or if You send Us an email, You\nagree that We may contact You (including for collection purposes) at that email address. We may report information about Your Account to credit bureaus. Late\npayments, missed payments, or other defaults on Your Account may be reflected in Your credit report. We may make inquiries of third parties in connection with\nmaintaining and collecting Your Account, and You authorize such third parties to release information about You to Us. You agree to notify Us of any change in Your\nmailing address at least 10 days before such change. We may, in Our discretion, accept address corrections from the United States Postal Service. If mailed,\nnotices to You shall be considered given when We include the notice on or with Your Billing Statement, or when We deposit the notice in the U.S. mail addressed\nto the most recent address We have for You.\nTRANSFERS: We may transfer all or part of Your Account balance, along with Our rights under this Agreement, to another person or entity. That person or entity\nwill then be entitled to enforce Our rights under this Agreement. You may not transfer Your rights or obligations under this Agreement.\nGOVERNING LAW: Federal law and the law of Oklahoma will govern the interpretation and enforcement of this Agreement regardless of conflict of law\nprinciples. If there is any conflict between any of the terms and conditions of this Agreement and applicable law, this Agreement will be considered changed to\nthe extent necessary to comply with applicable law.\nENTIRE AGREEMENT AND SEVERABILITY: This Agreement, as modified by any change in terms We may provide, supersedes any prior communications\nbetween You and Us. Any invalid or unenforceable provision of this\nAgreement will not affect whether any other provision is valid or enforceable.\nSECTION HEADINGS AND SUMMARIES: The section headings and summaries provided in this Agreement are provided only for Your and Our convenience.\nThe section headings and summaries do not define or describe the entire scope or intent of any portion of this Agreement.\n9.\n\nCLAIMS AND ARBITRATION OF DISPUTES\n\n\xe2\x80\x9cCLAIMS\xe2\x80\x9d AND RELATED DEFINED TERMS: When this Agreement refers to a \xe2\x80\x9cClaim\xe2\x80\x9d it means any pre-existing, present or future claim, dispute or controversy\nthat arises from or in any way relates to: (a) this Agreement, any prior Cardholder Agreement, Your Account, the credit We offer or deny to You in connection\nwith Your Account, any advertising or application for Your Account, or the benefits, rewards or other products or services that are offered in connection with Your\nAccount; or (b) the acts or omissions of You, of Us, or of Your Related Parties if those acts or omissions affect or relate to Your Account or any benefits, rewards\nor other products or services related to Your Account. Claims include, but are not limited to, claims based on contract and tort (including intentional torts),\nclaims made in law or in equity, claims based on constitutional, statutory, regulatory and common law rights, and claims for damages, penalties and injunctive,\ndeclaratory or equitable relief. When the term \xe2\x80\x9cYou\xe2\x80\x9d is used in this provision on \xe2\x80\x9cClaims\xe2\x80\x9d or in the provisions on \xe2\x80\x9cLimitations on Claims\xe2\x80\x9d or \xe2\x80\x9cArbitration,\xe2\x80\x9d that\nterm means You and any of the following people who will be considered \xe2\x80\x9cYour Related Parties\xe2\x80\x9d: any co-applicant, co-signer, joint cardholder, authorized user\nor guarantor on Your Account, Your heirs and Your trustee in bankruptcy. References to \xe2\x80\x9cOur Related Parties\xe2\x80\x9d in this Agreement includes affiliated third parties\nsuch as Our parent, subsidiaries, and affiliates and Our and their officers, directors, agents, employees, representatives, successors and assigns. \xe2\x80\x9cOur Related\nParties\xe2\x80\x9d also include unaffiliated third parties that provide products, services or benefits (to You or to Us) in connection with Your Account or that have otherwise\nparticipated in the marketing or servicing of Your Account. Any Claim or Claims brought by or on behalf of a class, brought in a representative capacity or\notherwise on a class basis, or brought in the form of a private attorney general action are referred to as \xe2\x80\x9cClass Proceedings\xe2\x80\x9d regardless of whether they are\ncommenced in court or in arbitration.\nLIMITATIONS ON CLAIMS/NOTICE AND CURE:: Before We bring a Claim against You, We must notify You in writing of Our Claim, including the amount of the\nClaim. If We have a Claim based on a payment obligation that You may have to Us: (1) Our notification requirement will be considered satisfied by sending You\na Billing Statement within the time required by applicable law and regulation; and (2) You will be afforded the period of time allowed by this Agreement and\n\n\x0capplicable law to make the payment before We commence court proceedings or arbitration. If You have a Claim against Us, You may send us a written \xe2\x80\x9cDispute\nClaim Notice\xe2\x80\x9d prior to initiating a Claim. In order for a Dispute Claim Notice to be valid and effective, it must: (a) state Your name, address and Account number;\n(b) be signed by You; (c) describe the basis of Your Claim and the amount You would accept to resolve the Claim; (d) state that You are exercising Your rights\nunder the \xe2\x80\x9cNotice and Cure\xe2\x80\x9d paragraph of the Arbitration Provision; and (e) be mailed to Us at MidFirst Bank, PO Box 268879, Oklahoma City, OK 73126-8879,\nAttn: Dispute Claim Notice. This is the sole and only method by which You can submit a Dispute Claim Notice. You must give us a reasonable opportunity, not\nless than 30 days, to resolve the Claim before You commence court proceedings or arbitration.\nYou and We both agree, to the fullest extent allowed by law, that: (i) Claims will not under any circumstances be pursued in Class Proceedings; (ii) We waive the\nright to bring or to participate in Class Proceedings against You; and (iii) You waive the right to bring or to participate in Class Proceedings against Us. If some\nother person initiates a Class Proceeding against You, We may not join that proceeding or participate as a member of that class. If some other person initiates a\nClass Proceeding against Us, You may not join that proceeding or participate as a member of that class. This paragraph is referred to below as the \xe2\x80\x9cClass Action\nWaiver.\xe2\x80\x9d\nARBITRATION:\nTHIS CONTRACT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES.\nPLEASE READ THE FOLLOWING PARAGRAPHS CAREFULLY:\nWITH LIMITED EXCEPTIONS, THIS ARBITRATION PROVISION ALLOWS EITHER PARTY TO REQUIRE THAT ANY \xe2\x80\x9cCLAIM\xe2\x80\x9d (AS DEFINED ABOVE) BE\nRESOLVED BY BINDING ARBITRATION. YOU MAY REJECT THE ARBITRATION PROVISION BY SENDING US WRITTEN NOTICE WITHIN 45 DAYS AFTER YOUR\nFIRST PURCHASE, AS DESCRIBED BELOW.\nARBITRATION REPLACES THE RIGHT TO GO TO COURT AND TO HAVE A CLAIM DETERMINED BY A JURY. OTHER RIGHTS YOU MAY HAVE IN COURT, SUCH\nAS DISCOVERY OR APPEAL RIGHTS, MAY NOT BE AVAILABLE OR MAY BE MORE LIMITED IN ARBITRATION. EXCEPT AS PROVIDED BELOW, THOSE OTHER\nRIGHTS ARE WAIVED.\nYOU WILL NOT BE ABLE TO DO THESE TWO THINGS (IN COURT OR IN ARBITRATION): (1) BRING A CLAIM AS A CLASS ACTION OR IN A REPRESENTATIVE\nCAPACITY; OR (2) PARTICIPATE IN A CLAIM AS A CLASS MEMBER.\nExcept as provided below: (1) You may unilaterally choose to have any Claim that We bring against You resolved through binding arbitration; and (2) We may\nunilaterally choose to have any Claim that You bring against Us (or Us and any of Our Related Parties) resolved through binding arbitration. If You assert a\nClaim against any of Our Related Parties, but You do not also assert that Claim against Us, the Related Party (or whoever will be defending the Related Party)\nmay unilaterally choose to have that Claim resolved through binding arbitration. If a court proceeding is commenced, the party that commenced that court\nproceeding may unilaterally choose to have any counterclaim, cross-claim, or third party claim brought in that proceeding resolved through binding arbitration.\nIf a party chooses to have a Claim resolved by arbitration pursuant to this arbitration provision, neither You nor We will have the right to litigate that\nClaim in court, have a jury trial on that Claim, or engage in pre-arbitration discovery, except as provided for in the applicable Arbitration Rules of the\nselected Arbitrator(s) and as otherwise set forth in this arbitration provision\n\xe2\x80\x9cOrdinary Claims\xe2\x80\x9d are not subject to this arbitration provision and may be resolved through litigation. A Claim will be considered an \xe2\x80\x9cOrdinary Claim\xe2\x80\x9d if the\nClaim is filed by You or Us in a small claims court so long as (1) the Claim is within the scope of its jurisdiction, (2) the Claim remains in such court; and (3) the\nonly parties to litigation to resolve the Claim will be You, Us and/or Related Parties.\nArbitrations shall be conducted by one or more impartial arbitrators (the \xe2\x80\x9cArbitrator(s)\xe2\x80\x9d). An Arbitrator must be a lawyer with at least ten years of experience or a\nretired judge.\nArbitrations shall be conducted through a national arbitration organization with reasonable experience in financial and consumer disputes (referred to as an\n\xe2\x80\x9cAdministrator\xe2\x80\x9d). Arbitration may be commenced in accordance with the Rules of the chosen Administrator. Rules and forms may be obtained from, and Claims\nmay be filed with, JAMS at 620 Eighth Avenue, 34th Floor, New York, New York 10018, or jamsadr.com; or the AAA at 335 Madison Avenue, Floor 10, New York,\nNew York 10017, or adr.org. More information regarding arbitration procedures and arbitration rosters also may be obtained from JAMS or the AAA at the\naddresses or websites above. If neither such Administrator is available to conduct a consumer credit card-related arbitration, the Administrator shall be the one\nmutually agreed upon by You and Us. Arbitration through an Administrator shall be conducted in accordance with the arbitration rules and procedures of the\nAdministrator, which are applicable and in effect when the Claim is initiated (the \xe2\x80\x9cArbitration Rules\xe2\x80\x9d). For Arbitrations with an Administrator, the Administrator\nshall provide and designate a listing of potential Arbitrators to conduct the arbitration. The Arbitrator shall be selected from the Administrator\xe2\x80\x99s listing and will be\nthe Arbitrator(s) mutually agreed upon by You and Us.\nOr, if You and We agree, the arbitration shall proceed by an Arbitrator without an Administrator. Arbitration without an Administrator shall be conducted in\naccordance with the rules and procedures of the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) in effect when the Claim is initiated, with the Arbitrator taking the\nplace of the AAA therein (also, the \xe2\x80\x9cArbitration Rules\xe2\x80\x9d). For arbitrations without an Administrator, the Arbitrator(s) shall be mutually agreed upon by You and Us.\nIf the Arbitration Rules are inconsistent with this arbitration provision, this provision will prevail. Arbitrations may be initiated pursuant to the Arbitration Rules.\nYou or We may choose to have an arbitration hearing. You and We may be represented by counsel throughout any arbitration. For Claims of $10,000 or less\nwhich are not pursued in small claims court, You may choose whether the Arbitration proceeds in person, by telephone or without a hearing based only on the\nsubmissions made by You and Us. If You want to have a hearing in person, You have the right to have the hearing conducted in Your hometown area which shall\nnot be outside the county in which You are billed. You and We agree to exchange such non-privileged information as the Arbitrator shall require. The decision\nof the Arbitrator(s) will be final and binding. Any final decision of the Arbitrator(s) is subject to judicial review only as set forth in the Federal Arbitration Act.\nJudgment upon an award rendered by the Arbitrator(s) may be entered in any court of competent jurisdiction.\nIf there is a dispute as to whether any claim, dispute or controversy is a \xe2\x80\x9cClaim\xe2\x80\x9d subject to this provision, that dispute shall be resolved solely by the Arbitrator(s)\n(except as noted below with reference to Class Proceedings and except that a court may decide whether a Claim is an Ordinary Claim).\n\n\x0cAn arbitration pursuant to this provision may decide only Your Claims, Our Claims or Claims of Related Parties. The Arbitrator(s) shall have no authority to\nentertain or determine Class Proceedings. If the Arbitrator(s) decide they have authority to entertain or determine any Claim brought in a Class Proceeding, that\ndecision may be appealed to a court of competent jurisdiction. If, despite this Agreement, Class Proceedings are allowed, those proceedings shall be conducted\nonly in a court of competent jurisdiction. The claims of other persons who may (or may not) have similar claims may not be consolidated with any Claim. No\narbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined under this arbitration\nprovision are (1) those brought by Us and Our Related Parties against You and Your Related Parties; or (2) those brought by You and Your Related Parties against\nUs and Our Related Parties.\nThe Arbitrator(s) shall have the authority to award any remedy under applicable state or federal law, including punitive damages.\nAn Arbitrator\xe2\x80\x99s award will consist of a written statement stating the disposition of each Claim. The award will also provide a concise written statement of the\nessential findings and conclusions on which the award is based.\nIf any portion of this arbitration provision shall be found to be unenforceable, that portion will be severed, and the rest of this arbitration provision will remain in\neffect. However, if the Class Action Waiver is held to be invalid with respect to any Class Proceeding, the entire arbitration provision shall be null and void.\nWe will reimburse You for the initial arbitration filing fee up to $350 upon receipt of proof of payment, provided that You have initiated an individualized\nproceeding in good faith and in accordance with this Agreement and provided that You have not initiated Your proceeding in concert with any other\ncardholder(s). If, and only if, (i) You submit a Dispute Claim Notice in accordance with this paragraph on Your own behalf (and not on behalf of any other party);\n(ii) You cooperate with Us by promptly providing the information We reasonably request; (iii) We refuse to provide You with the relief You request before an\narbitrator is appointed; and (iv) the matter then proceeds to arbitration and the arbitrator subsequently determines that You were entitled to such relief (or\ngreater relief), You will be entitled to a minimum award of at least $10,000 and Your reasonable attorney\xe2\x80\x99s fees and costs. We encourage You to address all\nClaims You have in a single Dispute Claim Notice and/or a single arbitration. Accordingly, this $10,000 minimum award is a single award that applies to all\nClaims You have asserted or could have asserted in the arbitration, and multiple awards of $10,000 are not contemplated. All other fees will be allocated in\nkeeping with the applicable Arbitration Rules and applicable law. We will also advance or reimburse other fees if the Administrator or Arbitrator(s) determine\nthere is good reason for requiring Us to do so or if You ask Us and We determine there is good cause for doing so. Except as provided above, each party will bear\nthe expense of the fees and costs of that party\xe2\x80\x99s own attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails.\nYou may reject this arbitration provision by sending a written rejection notice to Us at: MidFirst Bank, PO Box 268879, Oklahoma City, OK 73126-8879.\nYour rejection notice must be mailed within 45 days after the date of Your first Purchase transaction. Your rejection notice must state that You reject the\narbitration provision and include Your name, address, Account number and personal signature. No one else may sign the rejection notice. If Your rejection notice\ncomplies with these requirements, this arbitration provision and any other arbitration provisions in the cardholder agreements for any other currently open\nMidFirst credit card accounts You have will not apply to You, except for any claims subject to pending litigation or arbitration at the time You send Your rejection\nnotice. Rejection of this arbitration provision will not affect Your other rights or responsibilities under this Agreement. Rejecting this arbitration provision will not\naffect Your ability to use Your card or any other benefit, product or service You may have with Your Account.\nThis arbitration provision shall survive repayment of Your extension of credit, changes to Your Account and this Agreement (although this provision itself may be\nchanged in accordance with the Important Notice Regarding Changes in Terms provision), Our assignment of Your Account, the issuance of a new credit card,\nthe transfer of the balance in one credit account to another, Your or Our termination of the Account and the bankruptcy (or similar proceeding) of any party.\nThis arbitration provision is made in connection with a transaction involving interstate commerce, and shall be governed by and enforceable under the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 through 16, as amended. The Arbitrator(s) shall apply applicable substantive law consistent with the Federal Arbitration Act, the\nNational Bank Act and OCC regulations and applicable statutes of limitations, and shall honor claims of privilege recognized at law.\nYOUR BILLING RIGHTS KEEP THIS NOTICE 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 billing statement, write to Us at:\nMidFirst Bank\nP.O. Box 31535\nTampa, FL 33631-3535\nIn Your letter, provide Us with 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 the 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 automated 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 to\npay the amount in question.\n\n\x0cWHAT 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\n\t\tYour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against Your credit access line.\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. 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 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent,\nand 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 the\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\n\t\t\nbeen more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the\n\t\t\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\n\t\t\ncredit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing on a separate sheet at:\nMidFirst Bank\nP.O. Box 31535\nTampa, FL 33631-3535\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You as delinquent.\n\n\x0cRevision 05/2020\n\nPage 1\n\nCREDIT CARD APPLICATION DISCLOSURE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n0.00% introductory APR for the first 12 billing cycles. After that,\n(APR) for Purchase\nPlatinum Card: Your APR will be 9.99% - 17.99%, based on your creditworthiness.\nRewards Card: Your APR will be 13.99% - 19.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers 0.00% introductory APR for the first 12 billing cycles. After that,\n\nPlatinum Card: Your APR will be 9.99% - 17.99%, based on your creditworthiness.\nRewards Card: Your APR will be 13.99% - 19.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\nPenalty APR and\nWhen It Applies\n\n24.99%. This APR will vary with the market based on the Prime Rate.\nUp to 24.99%, based on your creditworthiness.\nThis APR may be applied to your account if you:\n1. Make a late payment;\n2. Go over your credit limit; or\n3. Make a payment that is returned.\nHow Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the\nPenalty APR will apply until you make six consecutive monthly minimum payments when due.\n\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on Purchases if you pay your entire balance by the due date each month.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fees\nTransaction Fees\n\nNone\n\n\xe2\x80\xa2 Balance Transfer\n\nEither $10 or 3% of the amount of each Balance Transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Cash Equivalent\n\nEither $10 or 5% of the amount of each Cash Equivalent Transaction, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n3% of the U.S. dollar amount of each transaction made in a foreign currency or made in U.S. dollars\nthat is processed outside the United States. This fee will be in addition to any other applicable fee.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $24.50\n\n\xe2\x80\xa2 Return Payment\n\nUp to $25.00\n\n1 of 4\n\n\x0cPage 2\n\nCREDIT CARD APPLICATION DISCLOSURE\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nLoss of Introductory APR: We may end your introductory APR for Purchases and Balance Transfers and apply the Penalty APR if you make a late payment.\nIndex and When It Is Determined: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on the last\nday the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination\ndate. For example, if your billing cycle ends in July, we will use the Index determined on the last day the rate is published in The Wall Street Journal in May.\nAPR for Purchases and Balance Transfers: To determine the APR for Purchases and Balance Transfers:\nFor the Platinum Card, we add a margin of 6.74% \xe2\x80\x93 14.74% to the Index (Prime Rate) not to exceed a maximum APR of 24.99%.\nFor the Rewards Card, we add a margin of 10.74% \xe2\x80\x93 16.74% to the Index (Prime Rate) not to exceed a maximum APR of 24.99%.\nAPR for Cash Advances: To determine the APR for Cash Advances, we add a margin of 21.74% to the Index (Prime Rate) not to exceed a maximum APR of 24.99%.\nAPR for Cash Equivalent Transactions: Cash Equivalent Transactions will be treated as Cash Advances for all purposes of your account, including the APR that applies to such\ntransactions. Cash Equivalent Transactions will be charged a fee as indicated in the Fees table in this document. Cash Equivalent Transactions are those transactions performed using a\nmerchant or service provider that VISA\xc2\xae or MasterCard\xc2\xae identifies as a seller of traveler\xe2\x80\x99s checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or\ngambling or similar products or services.\nPenalty APR: We may increase Annual Percentage Rates on your future transactions if you: (1) fail to make a minimum payment to us when due; (2) exceed your\ncredit limit with us; or (3) make a payment to us that is returned (dishonored) for any reason. We may also increase the Annual Percentage Rates on all your\nbalances and transactions if you are more than 60 days late in making a required minimum payment. The amount of an APR increase may be based on how you\nhave handled your account with us and current and historical information regarding your credit in general. These increases will be subject to the requirements of\napplicable law.\nIMPORTANT NOTICE REGARDING CHANGES IN TERMS. Subject to applicable law, we reserve the right to unilaterally change the APRs, fees and other terms at any\ntime, including after your account is closed. If we make changes, we will send you all notices required by law. You understand that the terms of your account, including\nAPRs, are subject to change. APRs are not guaranteed and they may change to higher APRs. We may also change whether your rates will be variable or not.\nApplication of Payments: We may apply your minimum payment in the order we select, subject to applicable law. However, in general, if you make a payment in excess of the\nrequired minimum payment, we will apply the excess amount first to your balances with the highest Annual Percentage Rate. Any remaining portion of that excess amount will be applied\nto your other balances in descending order based on their applicable Annual Percentage Rates.\nPlease Note: Your account generally will have monthly billing cycles, except that your first billing cycle may be more or less than one month. All credit terms, including minimum interest\ncharges, will apply in each billing cycle including the first billing cycle.\nBALANCE TRANSFERS: We may permit you to transfer balances from other credit card companies or financial institutions (\xe2\x80\x9cOther Accounts\xe2\x80\x9d) to your account if you are approved. All\nBalance Transfer requests are subject to our approval; we are not liable if we do not accept a requested Balance Transfer. We reserve the right to make Balance Transfers in the order\nwe select and to limit the amount of the Balance Transfers that we make (this amount may be less than your total credit limit). If you request an amount that we do not approve, we\nmay process a partial transfer for less than you requested or we may decline the entire request. You may not transfer any balance you owe from any other MidFirst Bank account or\nany of your accounts with any of our related companies. You should not transfer any amount that is in dispute in order to preserve your dispute rights. You should continue to monitor\nthe Other Accounts that you request to transfer balances from, and you should continue to pay the minimum payments due on the Other Accounts until you receive statements from\nthose creditors showing that the balances due on the Other Accounts have been paid in full. This may not happen until after the Balance Transfer appears on your billing statement from\nus. You are liable for any late payments, interest charges or disputed amounts on your Other Accounts. If you want your Other Accounts closed following a Balance Transfer, you are\nresponsible for doing so. Balance Transfers are subject to applicable fees and interest charges and do not have the benefit of a period within which any credit extended may be repaid\nwithout incurring a finance charge due to a periodic interest rate, also known as a grace period.\nCREDIT REPORTS: By applying for this account, you agree that MidFirst Bank may obtain credit reports for purposes of processing your application and for later purposes related to\nyour account, such as increasing the credit line and for collection purposes. Upon your request, you will be informed of whether or not a credit report was requested and the name and\naddress of the consumer reporting agency that furnished the report. You also authorize MidFirst Bank to verify your employment, income and other relevant information.\nNOTICE TO CARDHOLDERS AND AUTHORIZED USERS: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your\naccount may be reflected in your credit report.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, the USA\nPatriot Act requires all financial institutions to obtain, verify and record information that identifies each person (including business entities) who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, physical address, date of birth and other information that will allow us to identify you. We also may ask\nfor other identifying documents. We will let you know if additional information is required.\nINFORMATION SHARING WITH VISA: We may share nonpublic personal information with VISA U.S.A., its Members or their respective contractors for the purpose of providing\nEmergency Card Replacement or to meet other types of reporting requirements related to membership in the association. By signing the application and making purchases, you consent\nto the release of this information to VISA U.S.A., its Members or their respective contractors for these purposes.\n\n2 of 4\n\n\x0cPage 3\n\nCREDIT CARD APPLICATION DISCLOSURE\n\nMILITARY LENDING ACT: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\nTo hear this Military Lending Act disclosure and the payment obligations thereunder, call toll-free at 1-844-324-2258.\nMarried applicants may apply for separate accounts in their own names.\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain\nseparate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.\nNOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affects our interests and/or rights\nunless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, statement or decree or have actual knowledge of\nthe adverse provision. Married Wisconsin residents applying for credit separately must furnish the name and address of their spouse to MidFirst Bank at MidFirst Loan Operations, Attn:\nCredit Card Underwriting, P.O. Box 268879, Oklahoma City, OK 73126-8879.\nCALIFORNIA RESIDENTS: The applicant, if married, may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any\ncredit limit set by the creditor and each applicant may be liable for all amounts of credit extended under this account to each joint applicant.\nNOTICE TO NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on\ncomparative credit card rates, fees and grace periods. New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov.\nNOTICE TO NEW YORK, RHODE ISLAND AND VERMONT RESIDENTS: A consumer report may be requested in connection with this application. Upon your request, you will be\ninformed whether or not a consumer report was requested, and if a report was requested, you will be informed of the name and address of the consumer reporting agency that\nfurnished the credit report. If you are a Vermont resident, you consent to the obtaining of such reports by signing or otherwise submitting a credit application.\nARBITRATION NOTICE: You understand that any Cardholder Agreement you receive will contain an arbitration provision that may substantially limit your rights in the event of a dispute,\nincluding your right to litigate in court or have a jury trial, discovery and appeal rights, and the right to participate in court or in arbitration as a representative or member of a class action.\nPlease review the Cardholder Agreement and its arbitration provision carefully before you use or allow someone else to use an account.\nPLEASE NOTE: If you apply for the MidFirst Rewards Visa\xc2\xae Card and meet our eligibility criteria for the Visa Signature\xc2\xae Card, you agree that we may consider your application as one for\n(and upgrade you to) the Visa Signature\xc2\xae Card.\nCards are issued by MidFirst Bank.\n\n3 of 4\n\n\x0cPage 4\n\nCREDIT CARD APPLICATION DISCLOSURE\n\nMidFirst Rewards Program Terms and Conditions Summary\nPlease read this MidFirst Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d) Terms and Conditions Summary. MidFirst Bank is referred to below as \xe2\x80\x9cWe\xe2\x80\x9d and \xe2\x80\x9cMidFirst.\xe2\x80\x9d MidFirst is the issuer of the credit\ncard account that is enrolled in the Program (\xe2\x80\x9cAccount\xe2\x80\x9d) and is the sponsor of the Program. This is only a Program summary. Complete Program Terms and Conditions will be provided\nto you when you become an approved Cardholder. This Program offers Reward Points (\xe2\x80\x9cPoints\xe2\x80\x9d) for Qualifying Purchases. There is no membership fee. Other restrictions apply and will\nbe provided upon Program enrollment.\nHow Points are Earned:\nCardholders will earn one Point for every $1.00 in Net Purchases posted to the Account. \xe2\x80\x9cNet Purchases\xe2\x80\x9d means the total dollar amount of Qualifying Purchases made with your\nAccount, less any returns, credit or adjustments that are not payments. A \xe2\x80\x9cQualifying Purchase\xe2\x80\x9d is any Purchase made with your Account as the term \xe2\x80\x9cPurchase\xe2\x80\x9d is defined in your\nCardholder Agreement. There is no limit to the number of Points you can earn, but there may be a limit on the number of bonus or additional Points you can earn in connection with\ncertain special transactions and/or promotions.\nCardholders do not earn Points for certain categories of transactions, including, but not limited to: card account fees and charges including interest charges, late payment fees, annual\nfees, other charges, unauthorized or fraudulent charges, Balance Transfers, Cash Equivalent Transactions or Cash Advances of any kind (including convenience checks, money orders,\nAutomated Teller Machine (ATM) and bank teller withdrawals) foreign transaction currency conversion charges or other transactions that We determine not to be eligible. Changes to the\nabove list are at the sole discretion of MidFirst, subject to applicable law.\nWhen Points are Earned:\nPoints are considered earned when they are posted to your Account. Points may take up to 30 days to post following the date on which the underlying Qualifying Purchase posts to your\nAccount. We reserve the right to verify and adjust Points at any time. Information regarding Point redemption and balance is available online at midfirst.com or by calling the MidFirst\nAward Headquarters at 866-772-6184.\nReward Choices:\nCardholders can redeem Points for merchandise, gift cards, travel, other goods and services and cash back in the form of a statement credit to the Account or an ACH deposit to a\nchecking or savings account (collectively, the \xe2\x80\x9cRewards\xe2\x80\x9d). Point redemption may be subject to shipping, handling or other fees, including expedited delivery fees. Federally-imposed\nairline security fees, as well as any surcharges or additional fees, may be imposed by the airlines or available authority. Complete details on Rewards and Point redemption are available\nonline at midfirst.com or by calling the MidFirst Award Headquarters at 866-772-6184.\nHow to Redeem Points:\nCardholders can redeem Points online at midfirst.com anytime. You can also call the MidFirst Award Headquarters at 866-772-6184, 24 hours a day, seven days a week to request a\ncopy of the catalog to be sent to you by mail. For travel services only, call 1-877-225-1617, Mon.-Fri. 8 a.m.-8 p.m., Sat. & Sun. 8 a.m.-4 p.m. Central time. All redemptions are final.\nTravel and other certificates are not exchangeable, refundable, transferable or redeemable for cash. Redeemed Points will be deducted from the Account based on a first-in, first-out\nbasis. We reserve the right to refuse to redeem Points if you exceed the credit limit associated with your Account or if you fail to make a minimum payment when due.\nWhen Points Expire:\nPoints will expire five (5) years from the end of the calendar-year quarter in which they are earned. Account statements will show Points that are due to expire at the end of the\ncalendar-year quarter in which the statement is issued.\nForfeiture of Points:\nClosing your Account (by you or by us), termination of your enrollment in the Program or your failure to make a minimum payment on your Account within 60 days of a due date will\nresult in the termination of the Program, and any unused accumulated Points will be forfeited. Also, you will not earn future Points and could forfeit any accumulated Points previously\nawarded if you engage in any fraud or abuse with respect to the accrual or redemption of Points.\nOther Terms and Conditions:\nThe Program is void where prohibited or restricted by law. Points cannot be transferred between the Program and any other rewards or loyalty program. Subject to applicable law, this\nProgram may be modified, suspended or canceled, and the redemption value of already accumulated Points may be changed at any time. Changes to the Program may include, but are\nnot limited to, modifications which affect accrual and expiration of Points. You will be notified of Point accrual, Point expiration and/or Point forfeiture changes.\n\n4 of 4\n\n\x0c'