b'Apple Card Customer Agreement\nYour Apple Card Rates\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n10.99% to 21.99% when you open your account, based on your\ncreditworthiness and other factors.\nAfter that, this APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 28 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance (adjusted for any financing plan) by the due date each month.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat https://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\nNone\n\nPenalty Fees\n\nNone\n\nOther Fees\n\nNone\n\nHOW WE WILL CALCULATE YOUR BALANCE:\nWe use the daily balance method (including new Transactions).\nPRIME RATE:\nVariable APRs are based on the 3.25% Prime Rate as of 03/31/2020.\n\nPage 1/19\n\n\x0cWelcome to Apple Card!\nYour Apple Card Account is issued by Goldman Sachs Bank USA, Salt Lake City Branch ("Bank," "we," "us," or "our") and this is a legal\nagreement between you and us. By using or permitting others to use your Apple Card Account or adding your Card to Apple Wallet, you\nare agreeing to be bound by this "Agreement," which includes this Apple Card Customer Agreement, together with your rates information,\nwhich can be found in your Apple Wallet. Please read it carefully, and keep a copy for your records.\nYou can view, print, save and email current versions of the Agreement at any time from your Apple Wallet, or you can request this\nAgreement by contacting us.\nCONTACTING US\nExcept as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nUsing Messages;\nCalling us toll-free at 877-255-5923; or\nWriting to us at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.\n\nIf you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely manner, or at\nall.\nCHANGES TO THIS AGREEMENT\nSubject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole discretion. If we are\nrequired by law to provide you with notice of any changes to this Agreement, we may do so in accordance with the "Electronic\nCommunications Agreement" we have already provided to you. Subject to applicable law, continued access to or use of your Account\nfollowing such notice shall be deemed to be your acceptance of such modified version of this Agreement. If you do not agree to this\nAgreement or any revised version of this Agreement, we may require you to close your Account. When your Account is closed, (i) in cases\nwhere you have a right to reject a change pursuant to applicable law, we will not apply that change to your Account; and (ii) in all other\ncases, the revised version of this Agreement will apply while you repay your outstanding balance.\nTHIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE\nPROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE\nARBITRATION PROVISION, WHICH IS SET FORTH AT THE END OF THIS AGREEMENT.\n\nImportant Definitions\nThis section defines some important terms used in this Agreement.\n\xe2\x80\x9cAccount\xe2\x80\x9d means the Apple Card consumer credit account opened for you under this Agreement.\n\xe2\x80\x9cBusiness Day\xe2\x80\x9d means Monday through Friday, excluding all U.S. federal holidays.\n\xe2\x80\x9cCard\xe2\x80\x9d means any physical, digital or virtual card, or other means, including your or any Participant\'s Apple ID, which may be used to\naccess the Account.\n\xe2\x80\x9cCash Advance and Cash Equivalents\xe2\x80\x9d means any cash advance and other cash-like transaction, including purchases of cash\nequivalents such as travelers checks, foreign currency, or cryptocurrency; money orders; peer to peer transfers, wire transfers or similar\ncash-like transactions; lottery tickets, casino gaming chips (whether physical or digital), or race track wagers or similar betting\ntransactions.\n\xe2\x80\x9cCo-Owner\xe2\x80\x9d means each individual who has been approved by us to share the Account and who is individually and jointly responsible for\nrepaying all amounts due on the Account. Co-Owners are also individually and jointly responsible for complying with the terms of this\nAgreement.\n\xe2\x80\x9cCredit Limit\xe2\x80\x9d means the maximum amount of credit we allow on your Account.\n\xe2\x80\x9cEligible Device\xe2\x80\x9d means any device, including a Required Device, that is associated with your Apple ID, has internet access and has a\nversion of iOS that supports the use of Apple Card in your Apple Wallet, or has a version of iPadOS, watchOS, or macOS that supports the\nuse of Apple Card.\n\xe2\x80\x9ciMessage\xe2\x80\x9d is Apple\xe2\x80\x99s messaging service that allows you to send texts, photos, videos and audio messages from your Eligible Device.\n\xe2\x80\x9cMessages\xe2\x80\x9d is an Apple messaging app that lets you send text messages and iMessages to anyone with an iOS, iPadOS, watchOS, or\nmacOS device using iMessage.\n\xe2\x80\x9cMonth\xe2\x80\x9d means each calendar month.\n\xe2\x80\x9cMonthly Balance\xe2\x80\x9d means the total amount you must pay each month in order to maintain or regain a Grace Period. We also refer to this\namount using the name of each specific month. For example, your Monthly Balance for January may also be referred to as your January\nBalance. The Monthly Balance includes any amounts subject to financing plans (such as Apple Card Monthly Installments) that must be\npaid each month to maintain or regain a Grace Period. If you do not have a financing plan, your Monthly Balance will equal your Total\nBalance.\n\xe2\x80\x9cMonthly Statement\xe2\x80\x9d means the Account statement that we provide to you at the beginning of each month.\n\nPage 2/19\n\n\x0c\xe2\x80\x9cTotal Balance\xe2\x80\x9d means the total amount owing on your Account at the end of a month. It will be shown on each Monthly Statement. The\nTotal Balance includes the total amount you owe subject to any financing plan or plans, including future payments that you are not yet\nrequired to pay in order to maintain or regain a Grace Period.\n\xe2\x80\x9cParticipant\xe2\x80\x9d means a person who you and we authorize to make Transactions on your Account, but who is not responsible for repaying\nany amounts due on the Account\n\xe2\x80\x9cPurchase Transaction\xe2\x80\x9d means a purchase or lease of goods or services using your Account.\n\xe2\x80\x9cRequired Device\xe2\x80\x9d means an iOS device with a version of iOS installed that supports use of Apple Card in your Apple Wallet or an iPadOS\ndevice that has a version of iPadOS (as applicable) that supports the use of Apple Card. A Required Device must have internet access and\na passcode enabled.\n\xe2\x80\x9cTransaction\xe2\x80\x9d means any Purchase Transaction, any other transaction made using your Account, or any other adjustment transaction\nmade to your Account.\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean each individual who has been approved by us for the Account. These terms include any Co-Owner of\nthe Account but do not include any Participant.\n\nYour Account\nThis section explains the technical requirements needed to establish and use the Account, limitations on\nyour use of the Account, and your obligation to pay us amounts billed to your Account.\nELIGIBILITY\nTo be eligible for and to maintain the Account, you must:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nHave an Apple ID associated with an iCloud account that is in good standing with Apple, as well as a valid email address\nassociated with your Apple ID; and\nHave Apple\'s two-factor authentication turned on for your Apple ID that is associated with your iCloud account.\n\nIf you do not have a Required Device your use of the Account will be limited as described in the section below, "Using Your Account\nWithout a Required Device."\nUSING YOUR ACCOUNT\nYou may use your Account to make Transactions. You may not use or permit your Account to be used for:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAny illegal purpose, including in connection with unlawful domestic or international gambling websites or to purchase illegal goods\nor services;\nCash Advances and Cash Equivalents;\nAny purpose in any country or territory that is subject to economic sanctions administered and enforced by the U.S. Department of\nthe Treasury\'s Office of Foreign Assets Control (OFAC), or with any person or entity subject to these sanctions; or\nPaying any debts to us.\n\nIf your Account is used for any Transaction not permitted by this Agreement, we will treat these Transactions as Purchase Transactions for\npurposes of applying interest, and you are responsible for these Transactions and any related interest or Daily Cash Adjustments.\nYOUR CREDIT LIMIT\nWe may increase or decrease your Credit Limit at any time, subject to applicable law.\nWe may authorize Transactions that, together with previously authorized Transactions, interest and other amounts billed to you, cause\nyour outstanding balance to exceed your Credit Limit. If we do, you will be responsible for paying that amount.\nUSING YOUR ELIGIBLE DEVICES & CARDS\nAt the time your Account is created, if you applied from a Required Device, a digital Card will automatically be added to your Apple Wallet\non the Required Device that you used to apply for an Account. You can use Cards to make Transactions on your Account. You can add a\nCard to your Eligible Devices, but you must maintain a Required Device with a digital Card to manage your Account through Apple Wallet.\nWithout a Required Device, you will only be able to manage your Account by accessing card.apple.com or by contacting us by phone or\nmail, and your Monthly Statement will only be provided to you electronically or by mail.\nIn order to ensure complete access to your Account and get required updates, you agree to maintain the latest version of iOS, iPadOS,\nwatchOS, or macOS (as applicable) on your Eligible Devices and Required Devices.\nIf you make unauthorized modifications to your Eligible Device, such as by disabling hardware or software controls (for example, through a\nprocess sometimes referred to as "jailbreaking"), your Eligible Device may no longer be eligible to access or manage your Account. You\nacknowledge that use of a modified Eligible Device in connection with your Account is expressly prohibited, constitutes a violation of this\nAgreement, and could result in our denying or limiting your access to or closing your Account as well as any other remedies available to us\nunder this Agreement.\nPHYSICAL COMPANION CARD\nWe may issue physical Cards that can be used to make Transactions on your Account. We reserve the right to reject any request for a\nphysical Card including any request that we deem unreasonable or abusive. Except as set forth in the section titled Sharing Your Account,\nyou may not obtain a physical Card for use by another person.\nDECLINED TRANSACTIONS\nPage 3/19\n\n\x0cDECLINED TRANSACTIONS\nWe may decline Transactions for any reason, including suspected or actual fraud, violation of applicable law, your default under this\nAgreement, or if you exceed your Credit Limit. We are not liable to you or anyone else if we do not authorize a Transaction, even if the\ncharge is within your Credit Limit or you are not in default. If we decline a Transaction, we may advise the person who attempted the\nTransaction that it was declined. We are not responsible if anyone refuses to accept your Card.\nRETURNS\nWhen you return an item purchased under your Account, the merchant refund will appear as a credit on your Account along with a charge\nto reverse any related Daily Cash that you had previously earned.\nPROMISE TO PAY\nYou promise to pay us all amounts charged to your Account under this Agreement, including all Transactions, interest and other amounts\nbilled to you.\nPROTECTING YOUR ACCOUNT INFORMATION, CREDENTIALS, AND ELIGIBLE DEVICES\nYou are solely responsible for maintaining the security of any Cards, Eligible Devices and their passcodes, Apple IDs, and any other\nauthentication credentials used in connection with your Account (collectively, "Credentials"). If you authorize or allow anyone else to use\nyour Account (e.g., by providing your physical Card or the passcode to your Eligible Device, allowing a third party to set up Face ID or add\ntheir fingerprint to use Touch ID, authorizing a Participant to use your Account, or otherwise providing any of your Credentials to a third\nparty), the person may be able to make Transactions using your Account, and you will be liable for all Transactions made on your Account\nby that person.\nYOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS\nContact us IMMEDIATELY if you believe any physical Card or any Eligible Device with a Card has been lost or stolen, any Credentials have\nbeen compromised, or your Account has been accessed without your permission. You will not be liable for any unauthorized transactions\nmade on your Account.\nTRANSACTIONS MADE IN FOREIGN CURRENCIES\nTransactions, returns and credits made in a currency other than U.S. dollars will be converted into U.S. dollars. We do not add any foreign\nexchange rate fee to these Transactions. The conversion will be performed by Mastercard International, the payment network associated\nwith your Account (the "Network"). The Network follows its own methods for conversions that are subject to change. The conversion will\noccur on the day the Transaction, return or credit is processed by the Network, which may be different than the date of the Transaction\nreturn or credit. As a result, the conversion rate may differ from the rate as of a Transaction date or the date a Transaction is posted on\nyour Account.\nNETWORK BENEFITS\nThe Network makes benefits available with your Account that are not part of this Agreement and are subject to change or cancellation.\nDetails about Network benefits can be found in Apple Wallet or by reviewing card.apple.com.\n\nSharing Your Account\nThis section explains your rights and responsibilities if you share the Account with any Co-Owner or permit one or more Participants to use\nthe Account.\nWe may offer you the ability to share the Account with any Co-Owner and/or permit one or more Participants, subject to our approval and\nany conditions that we may require including that all Co-Owners and Participants be part of the same Apple Family Sharing Group. An\n"Apple Family Sharing Group" is a technology platform provided by Apple, Inc. (\xe2\x80\x9cApple\xe2\x80\x9d) that allows you to share access to various\nApple services as well as Apple Card with other individuals. You can share your Apple Card with anyone who is age 13 or older by first\nadding them to your Apple Family Sharing Group. Sharing the Account requires the latest version of iOS, iPadOS, watchOS, or macOS (as\napplicable) on Eligible Devices and Required Devices.\nCo-Owners include each and every individual who has been approved by us to share the Account and who is individually and jointly\nresponsible for repaying all amounts due on the Account. Participants are individuals who are authorized by an owner or Co-Owner to\nmake Transactions on the Account, but who are not responsible for repaying any amounts due on the Account.\nCO-OWNED ACCOUNT\nIf you share the Account with any Co-Owner, your Account is a \xe2\x80\x9cCo-Owned Account.\xe2\x80\x9d The following provisions apply if the Account is a\nCo-Owned Account:\n\n\xe2\x80\xa2\n\nEach Co-Owner is jointly and severally responsible for paying us all amounts due on the Account, even if one Co-Owner is unable\n\nPage 4/19\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nEach Co-Owner is jointly and severally responsible for paying us all amounts due on the Account, even if one Co-Owner is unable\nor unwilling to pay.\nUnless otherwise required by law, we may contact any Co-Owner individually about the Account and any notice or communication\nfrom us will be effective for the Account when provided to any Co-Owner.\nAny Co-Owner\'s requests and instructions will apply to the Account. Any instruction or consent provided by a Co-Owner may be\napplied to the Account and will be applicable to all Co-Owners and may affect all Participants. For example, we will honor a CoOwner\'s requests to increase the Credit Limit (if the Account is eligible), add a Participant, redeem Daily Cash, request Account\ninformation, update information provided to us, receive a credit balance refund, and exercise any other rights under this\nAgreement. If we receive different or inconsistent requests or instructions from Co-Owners, we may accept or reject any request\nor instruction from any Co-Owner in our sole discretion. We may also choose to not obtain consent from all Co-Owners.\nCo-Owners may have access to information about each other\xe2\x80\x99s use of the Account. If you used the Account as an individual before\nsharing it as a Co-Owned Account, that information will also be available to any Co-Owner. For example, Co-Owners may receive\ninformation about your Transaction history, payment activity, Payment Source Accounts, disputes, participation in relief\nopportunities provided by us, and what we have reported to credit bureaus. Co-Owners may also access any Monthly Statement or\nother document relating to the Account (for example, historical information and Monthly Statements about a Co-Owner\'s individual\nApple Card account before they agreed to a Co-Owned Account).\nEach Co-Owner agrees that the other Co-Owner on the Account is their agent. Each Co-Owner also agrees to be the agent of the\nother Co-Owner on the Account. Each Co-Owner has full authority to make payments on each other Co-Owner\'s behalf from each\nCo-Owner\'s Payment Source Account. Each Co-Owner also agrees that we may rely upon any Co-Owner\xe2\x80\x99s instructions with\nrespect to the time and amount of an authorized payment.\nDO NOT ADD A PAYMENT SOURCE ACCOUNT IF YOU DO NOT WANT YOUR CO-OWNER TO AUTHORIZE PAYMENTS FROM\nSUCH ACCOUNT ON YOUR BEHALF.\nA Co-Owner may not remove themselves or any Co-Owner from a Co-Owned Account. However, a Co-Owner may request to\nclose the Co-Owned Account and then request a new individual account, subject to our eligibility criteria in effect at the time. If a\nCo-Owner obtains a separate account, the Co-Owned Account will be closed. Co-Owners will remain responsible for any balances\nowed on the closed Co-Owned Account.\nThe information about the Account that we report to credit bureaus will be reported for each Co-Owner as well as Participants if\nthey are being reported on the Account.\nWhen the Account is first shared as a Co-Owned Account, you agree and understand that we may continue to process any\nrecurring payments you have authorized from your Payment Source Account(s) and that the sharing of the Account has no impact\non any existing payment authorization. We may also choose to terminate any or all existing payment authorizations. If both CoOwners have recurring payment authorizations in effect at the time the Account is first shared as a Co-Owned Account, you agree\nthat we may choose to keep one Co-Owner\xe2\x80\x99s payment authorization in effect and terminate the other Co-Owner\xe2\x80\x99s payment\nauthorization. If we do so, we may also choose which Co-Owner\xe2\x80\x99s payment authorization will remain in effect and which Co-Owner\xe2\x80\x99\ns payment authorization will terminate. We will provide notice to each Co-Owner of this decision when the Account is shared as a\nCo-Owned Account. You understand that you have the right to receive at least 10 days\xe2\x80\x99 notice before we process any payment\nfrom your Payment Source Account if the payment varies in amount from the preauthorized amount or from the most recent\npayment made. If you have authorized recurring payments in the amount of your Account\xe2\x80\x99s Minimum Payment Due or the Monthly\nBalance, you agree that we need not provide you such notice for the first payment that is initiated from your Payment Source\nAccount after your Account is shared as a Co-Owned Account if the amount of such payment is between $0 and the Monthly\nBalance due on your Account before it was shared as a Co-Owned Account, as shown on the Monthly Statement issued before\nyour Account is shared. In no instance will this payment be more than the Monthly Balance due on your Account before it was\nshared as a Co-Owned Account, as shown on the Monthly Statement issued before your Account is shared.\n\nPARTICIPANT ELIGIBILITY\nIn order to be a Participant, a person must:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nBe at least 13 years of age or older;\nBe a citizen or lawful resident of the United States;\nHave an Apple ID associated with an iCloud account that is in good standing with Apple;\nHave a valid email address associated with the Apple ID;\nHave Apple\xe2\x80\x99s two-factor authentication turned on for the Apple ID; and\nHave an Apple device that has a version of iOS or iPadOS that supports the use of the Account and sharing your Account, has\ninternet access, has a passcode enabled, and is associated with the Apple ID.\n\nWe may ask you to provide identifying information about the person you would like to add as a Participant. You must have authority or\npermission from a Participant to share that information with us and if you share such information you are representing that you do.\nPARTICIPANT USE OF THE ACCOUNT\nYou authorize anyone who you add as a Participant to use your Account, and you authorize us to provide one or more Cards to them for\npurposes of making Transactions. You are responsible for any Participant\xe2\x80\x99s use of the Account and for paying us all amounts due on the\nAccount. The terms of this Agreement apply to each Participant\xe2\x80\x99s use of the Account. You agree to share this Agreement with your\nParticipant and explain that their use is subject to its terms.\nWe may discuss and share information about the Account with Participants as appropriate. We may also accept and rely upon any\nParticipant\xe2\x80\x99s instructions and requests involving the Participant\xe2\x80\x99s use of the Account. For example, we may allow a Participant to access\ninformation about Transactions, order a physical Card, report lost or stolen Cards, and remove themselves from the Account. However,\nParticipants cannot provide instructions that apply to your use of the Account. For example, we may not allow a Participant to request\nchanges to your Credit Limit, add or remove other Participants, or close the Account.\nInformation about your Account that we report to credit bureaus may also be reflected in credit bureau reports for your Participants.\nParticipants who are 18 years or older may request to be reported to credit bureaus on the Account. If a Participant is being reported to\ncredit bureaus on the Account, they will be identified as an authorized user. In order to comply with applicable law, if you are a spouse of a\nParticipant (regardless of their age), or later become a spouse of a Participant, you or the Participant must inform us of this fact so that we\nmay report Account information in the name of the spouse Participant to consumer reporting agencies.\n\nPage 5/19\n\n\x0cDAILY CASH\nYou request, and we agree, that any Daily Cash that you earn from any Participant\xe2\x80\x99s use of the Account will be made available by us, on\nyour behalf, to be used by that Participant. You will be responsible for any Daily Cash Adjustment or Daily Cash Correction Amount that is\nassociated with any Participant\xe2\x80\x99s use of the Account and that is charged to your Account. For more information about Daily Cash, see the\nDaily Cash Program section below.\nREMOVING A PARTICIPANT\nYou may remove a Participant from the Account by contacting us and following any instructions that we provide. You are responsible for\nall charges made by the Participant and for returning or recycling the Participant\xe2\x80\x99s physical Cards and preventing the Participant from\ncontinuing to access the Account. We may remove a Participant at any time and without advance notice. Participants may also request to\nremove themselves from the Account.\n\nDaily Cash Program\nThis section explains how Daily Cash is earned and received\nin connection with your Account.\nHOW YOU EARN DAILY CASH\nEarning Daily Cash\nYou will earn Daily Cash on every Purchase Transaction posted to your Account as described below:\n\nTransaction type\n\nDaily Cash percentage\n\nGoods or services purchased directly from\nApple. These include purchases from Apple\nretail stores, the Apple online store, iTunes,\nApple Music and other Apple-owned\nproperties.\n\n3% of the transaction amount\n\nApp Store purchases (including In-App\n*\n\nPurchases ).\nApple Pay Purchase Transactions\n\n2% of the transaction amount\n\nAll other Purchase Transactions\n\n1% of the transaction amount\n\nPurchase Transactions at Bonus Daily Cash\nMerchants\n\n% of the transaction amount described at\nwww.apple.com/apple-card\n\n*\n\n"In-App Purchases" means content, services or functionality that can be bought for use in apps on Apple devices, including premium\ncontent, digital goods and subscriptions.\nFrom time to time, you may earn Bonus Daily Cash on Purchase Transactions at select merchants ("Bonus Daily Cash Merchants"). The\nlist of Bonus Daily Cash Merchants, the percentage (%) of Daily Cash earned with Purchase Transactions at each Bonus Daily Cash\nMerchant, the required payment method, and any terms and exclusions can be found at www.apple.com/apple-card. Bonus Daily Cash\nMerchant offers can be changed or cancelled at any time and without advance notice.\nIf any Purchase Transaction is covered by more than one Transaction type, only the highest Daily Cash percentage will apply. For example,\na Purchase Transaction at an Apple-owned retail store using Apple Pay would earn 3% Daily Cash, but would not also earn the 2% Daily\nCash for Apple Pay transactions.\nYou may earn Daily Cash as long as your Account remains open and in good standing, except as otherwise provided in this Agreement.\nAny accrued but unredeemed Daily Cash will not earn or accrue any interest, and we do not consider this Daily Cash when calculating the\ninterest or Minimum Payment Due on your Account.\nHOW YOUR DAILY CASH WILL BE CALCULATED\nDaily Cash will be calculated based on the amount of each Purchase Transaction posted to your Account, multiplied by the above-listed\npercentage corresponding to the Transaction type. Daily Cash will be rounded to the nearest cent but will not be less than one cent.\n\nPage 6/19\n\n\x0cEXCEPTIONS\nYou will not earn 3% Daily Cash for purchases of Apple goods and services that are sold through third party retail or online stores,\nincluding any Apple authorized resellers, or if you make your payment through a third-party wallet.\nYou will not earn Daily Cash for transactions that are not permissible under this Agreement or on purchases made for purposes of resale.\nHOW YOU RECEIVE DAILY CASH\nApple Cash\nApple Cash is a prepaid card in Apple Wallet that can be used to send money to friends, and to make purchases with Apple Pay in stores,\napps and websites.\nIf you have an Apple Cash account that is active and in good standing, we will automatically transfer Daily Cash earned by use of your Card\nto your Apple Cash account when the Purchase Transaction for which you earned the Daily Cash is posted to your Account (an\n\xe2\x80\x9cAutomatic Transfer\xe2\x80\x9d).\nApple Cash accounts are currently provided by a third-party bank and are subject to separate terms and conditions. You agree that we\nmay share information about your Daily Cash program activity with the Apple Cash provider in order to support the program by which your\nDaily Cash is transferred to your Apple Cash account. We are not responsible for, and will have no liability whatsoever arising from, your\nuse of Apple Cash or any other products or services offered by the third-party bank.\nCredit to Your Account\nIf you do not have an Apple Cash account that is active and in good standing, or any attempted transfer to your Apple Cash account fails\nfor any reason, we will not make Automatic Transfers of your Daily Cash, and any Daily Cash you earn will accrue without Automatic\nTransfer.\n\xe2\x80\xa2\n\nIf you have an accrued but unredeemed Daily Cash balance, you can redeem all of your accrued but unredeemed Daily Cash as a\ncredit to your Account. Daily Cash redemptions as a credit to your Account are considered payments.\n\n\xe2\x80\xa2\n\nIf you later establish an Apple Cash account that is active and in good standing, then any accrued but unredeemed Daily Cash\nbalance will be transferred to your Apple Cash account no later than your next posted Purchase Transaction, and Automatic\nTransfers will begin with your next posted Purchase Transaction.\n\nIf you have an accrued but unredeemed Daily Cash balance at the time your Account is closed, we will automatically apply that balance as\na credit to your Account, unless prohibited by law, in which case we will pay you the amount of the Daily Cash balance via electronic funds\ntransfer or by sending you a check.\nDAILY CASH OF CO-OWNERS AND PARTICIPANTS\nDaily Cash earned on your Account belongs to you. However, if your Account is a Co-Owned Account and/or if there are any Participants\non your Account, you hereby request that we make your Daily Cash available to the individual whose Card was used to make the Purchase\nTransaction(s) that earned Daily Cash. For example, if a Participant has an Apple Cash account that is active and in good standing, we will\ntransfer Daily Cash earned on Purchase Transactions made with that Participant\xe2\x80\x99s Card to that Participant\xe2\x80\x99s Apple Cash account, on your\nbehalf. If a Participant is under the age of 18, Daily Cash may be transferred to an Apple Cash account established on their behalf by a\nparent or guardian. If a Participant does not have an Apple Cash account that is active and in good standing, Daily Cash will accrue and\nmay be redeemed by you or the Participant as a credit to your Account by contacting us.\nDAILY CASH ADJUSTMENTS AND CORRECTIONS\nIf a credit is issued to your Account as provided below, we will charge your Account an amount up to the amount of any Daily Cash you\naccrued for the transaction(s) related to the credit (a \xe2\x80\x9cDaily Cash Adjustment\xe2\x80\x9d). A Daily Cash Adjustment can be incurred in any of the\nfollowing circumstances:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf you make a return or a merchant otherwise credits your Account;\nIf you successfully dispute a transaction for which you initially earned Daily Cash, which results in a permanent credit being\napplied to your Account; or\nIf you are violating the terms of this Daily Cash program, or if we believe you are abusing or gaming this Daily Cash program.\n\nExample:\nYou made a purchase of $100 and earned $3 of Daily Cash which was transferred to your Apple Cash account. If you\nlater return that purchase, we will charge your Account a Daily Cash Adjustment of $3.\n\nDaily Cash Adjustments are charged as one or more Transactions to your Account, reflected on your Monthly Statement(s), and any\nunpaid Daily Cash Adjustment amount remaining on your Account at the end of that month will be due in full as part of the Minimum\nPayment Due on the next payment due date. Daily Cash Adjustments incurred as a result of a return or any other credit from a merchant\nwith whom you have made multiple Purchase Transactions may be charged as separate Transactions and/or may appear on a future\nMonthly Statement instead of the Monthly Statement on which the return or merchant credit is listed.\nWe will not charge interest on any Daily Cash Adjustment billed to your Account. If you fail to pay any Daily Cash Adjustment by the\npayment due date listed on your Monthly Statement, your Account will be considered delinquent and we may exercise our rights and\nremedies under this Agreement. If you have a Daily Cash Adjustment at the time your Account is closed, you will remain obligated to pay\nsuch amount.\nPage 7/19\n\n\x0cIn addition, if we mistakenly provide you with Daily Cash in an amount greater than you were entitled to, you agree that we can, at our\ndiscretion, recover from your Apple Cash account the excess amount that we transferred (a \xe2\x80\x9cDaily Cash Correction Amount\xe2\x80\x9d), withhold\nfuture Daily Cash from accruing on your Account until you have earned the Daily Cash Correction Amount, or seek a return of the Daily\nCash Correction Amount from you. If you have a Daily Cash Correction Amount at the time your Account is closed, you will remain\nobligated to pay such amount.\nDAILY CASH PROGRAM ERRORS; DISPUTES\nIf you believe that you are eligible for Daily Cash that you have not received, or that you received Daily Cash that was calculated\nerroneously, please contact us immediately. To help us resolve any errors, we may require you to submit documentation, which may\ninclude copies of receipts, invoices or purchase orders. If we or the Apple Cash provider fail to credit, improperly deny, or improperly\nreverse Daily Cash that you are entitled to, then, subject to applicable law, your only remedy will be the issuance of the improperly denied\nor reversed Daily Cash, if available, or another alternative comparable benefit as we may determine in our sole discretion. Neither we, the\nApple Cash provider, nor Apple, nor any of our respective affiliates will have any other or additional liability to you or any other person\nwhatsoever for any such errors.\nTERMINATION AND/OR SUSPENSION OF YOUR DAILY CASH\nMisuse of the Daily Cash Program\nIt will be considered a misuse of the Daily Cash program if we identify any:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nPotentially fraudulent, abusive or suspicious activity with respect to the Daily Cash program, your Account, or an Apple Cash\naccount;\nGaming behavior;\nReselling activity; or\nViolation of the terms of an Apple Cash account.\n\nEffects of Misuse\nAny misuse of the Daily Cash program is a violation of this Agreement and may also result in:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe forfeiture of any Daily Cash; or\nThe suspension or termination of your ability to earn or redeem Daily Cash.\n\nYour ability to participate in the Daily Cash program ends when your Account is closed.\nCHANGES TO THE DAILY CASH PROGRAM\nWe may change the requirements, amounts, transaction categories, redemption process, frequency of redemptions, or any other aspect of\nthe Daily Cash program at any time. We reserve the right to end the Daily Cash program at any time for any reason.\n\nAnnual Percentage Rate, Interest Charges & Minimum Payment Due\nThis section explains how we determine your APR and DPR, how we calculate the interest you might owe each month,\nhow you can avoid interest in a given month and how we calculate the minimum payment due each month.\n"Annual Percentage Rate" or "APR" is the term used for any interest rate on your Account.\n"Daily Periodic Interest Rate" or "DPR" is the term used for the APR that applies to your daily balance on your Account.\n"Margin" is the term used for the percentage rate we add to the Prime Rate to determine your APR.\nSee your Apple Wallet for the APR, DPR, and Margin.\nHOW WE DETERMINE INTEREST RATE(S)\nHow We Determine the Applicable APR\nFor Purchase Transactions, the APR equals the Prime Rate plus the Margin that applies to your Account.\nVariable APRs may increase or decrease each month if the Prime Rate changes. Your Purchase Transactions APR is a variable rate. If the\nPrime Rate changes, the new variable APRs will take effect as of the first day of the next month and apply to existing and new balances.\nAny increase in the Prime Rate may result in an increase to your interest and Minimum Payment Due. APRs will never exceed the maximum\nrates permitted by applicable law.\nThe "Prime Rate" in effect for a given month is the highest U.S. Prime Rate published in the print edition of The Wall Street Journal (WSJ)\non the last day of the prior month that the Prime Rate was published. If the WSJ does not publish the Prime Rate on that day, then we will\nlook to the last day before then that such rate was published. If the WSJ temporarily or permanently discontinues publishing the Prime\nRate or if the WSJ changes its definition of the Prime Rate, then we may substitute another publicly available index not within our control\nand adjust the Margin, in our sole discretion, subject to applicable law. However, for the month of August 2019, the Prime Rate is equal to\nthe highest U.S. Prime Rate published in the "Money Rates" section of the print edition of The Wall Street Journal (WSJ) on August 2, 2019.\n\nPage 8/19\n\n\x0cExample:\nOn May 31 (which falls on a Business Day), the Prime Rate reported in the WSJ is 4.75%.\nAssume the Margin for your Account is 13.25%.\nTo determine your APR for June, we add the Prime Rate to the Margin, which would be 18%.\n\nWe may from time to time offer you different APRs and different terms that will apply to specified Purchase Transactions or other balances\non your Account. Details will be provided at the time that these terms are offered to you.\nHow We Determine the Applicable DPR\nThe DPR for any given day during a month is equal to the applicable APR on that day divided by 365 (or 366 in leap years).\n\nDPR = APR \xc3\xb7 365 (or 366 for leap years)\n\nHOW WE DETERMINE YOUR DAILY BALANCE(S)\nWe determine the "Daily Balance" for each balance of your Account as follows:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe begin with the balance at the end of the prior day (excluding interest for that day); then\nWe add the prior day\'s interest; then\nWe add any new Transactions from that day (unless your Account qualifies for a Grace Period on New Transactions, as described\nbelow); and then\nWe subtract any new payments or credits posted to your Account that day (and not already deducted from your Account as\nprovided below).\n\nIf any Daily Balance is less than zero, we treat it as zero. Additionally, if you had a Grace Period on New Transactions in the prior month,\nwe subtract all payments and credits that are posted within the current month as of the first day of the current month.\n\nAssuming no Grace Period applies (for example, you do not pay your Total Balance in full), then:\nDaily Balance = Prior day\'s closing balance + Prior day\'s interest + New Transactions - New payments and credits\n\nHOW WE CALCULATE YOUR INTEREST\nWe use the \xe2\x80\x9cdaily balance method (including new Transactions)\xe2\x80\x9d to calculate interest owed on each category of Transactions on your\nAccount each month. Under this method, we first calculate the daily interest for each day in the month. We do this by multiplying your DPR\nby the \xe2\x80\x9cDaily Balance\xe2\x80\x9d of each category of Transactions for each day in the month. Different categories of Transactions may have different\nAPRs and DPRs. Purchase Transactions have the APR and DPR set forth in your Apple Wallet, and Daily Cash Adjustments have an APR\nand DPR of zero. Then, to determine the total interest for the month, we add up the daily interest we calculated for each day in the month\nand round to the nearest cent.\n\nInterest = Sum of daily interest for each day in the month\nDaily interest = daily balance \xc3\x97 DPR\n\nWHEN DOES INTEREST BEGIN TO ACCRUE\nInterest will accrue on any Transaction beginning on the date that the Transaction occurs. However, you can avoid interest if a Grace\nPeriod applies to your Account, as described below.\nHOW TO AVOID INTEREST\nThe term "Grace Period" means a Grace Period on New Transactions or a Grace Period on the Total Balance, as applicable.\nGrace Period on New Transactions\nYour Account automatically has a "Grace Period on New Transactions" in a month where your Total Balance for the prior month is $0 or\na credit balance. Your Account will also obtain a Grace Period on New Transactions in a month if your Account has a Total Balance for the\nprior month that is greater than $0 and you pay the Monthly Balance for the prior month on or before its payment due date. In a month in\nwhich your Account qualifies for a Grace Period on New Transactions, we will not charge interest during that month on any new\nTransactions that post to your Account during that month.\n\nPage 9/19\n\n\x0cExample:\nOn February 1, your Total Balance for January is $0. During February, you spend $1,000 in new Transactions.\nOn March 1, your Total Balance for February is $1,000. During March, you spend $750 in new Transactions. You also\nmake a payment of $1,000 on March 31.\nThe current month is now April.\n\xe2\x80\xa2\n\nBecause the Total Balance for January was $0, your Account automatically had a Grace Period on New\nTransactions during February and you avoided paying interest on the $1,000 in new Transactions during\nFebruary.\n\n\xe2\x80\xa2\n\nBecause you paid the Total Balance of $1,000 for February in full by its payment due date, your Account had a\nGrace Period on New Transactions during March, and, therefore, you avoided paying interest during March on\nthe $750 in new Transactions.\n\nGrace Period on the Total Balance\nYou can avoid paying interest on the Total Balance or a portion of the Total Balance based on your payment activity. Your Account has a\n"Grace Period on the Total Balance" when interest is not accruing on the Total Balance. Below we explain how you can maintain, lose and\nregain the Grace Period on the Total Balance.\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nInitial Grace Period on the Total Balance: Your Account starts with a Grace Period on the Total Balance. You can retain this\nGrace Period on the Total Balance by always paying your Monthly Balance by its corresponding payment due date.\nLosing the Grace Period on the Total Balance: Your Account will lose the Grace Period on the Total Balance if you pay less than\nthe Monthly Balance by its corresponding payment due date. You will not pay interest on the portion of the Total Balance that you\npaid during the month that you lose your Grace Period on the Total Balance.\nRegaining the Grace Period on the Total Balance: If your Account has lost its Grace Period on the Total Balance, you can regain\nit by paying the Monthly Balance by its corresponding payment due date. You will then only maintain the Grace Period on the Total\nBalance in the following and each and every subsequent month by paying the Monthly Balance by its corresponding payment due\ndate.\n\nExample:\nYou opened your account on February 14. On March 1, your Monthly Balance is $750. You will not be charged interest\nfor the $750 worth of Transactions from February. During March, you make $500 in new Transactions. You also make a\npayment of $700 on March 31.\n\xe2\x80\xa2\n\nBecause you only paid $700 of the $750 March Monthly Balance, you only avoided paying interest during the\nmonth of March on the $700 that you paid. This means that during the month of March, you incurred interest on\nthe $50 in unpaid Monthly Balance. You also did not have a Grace Period on New Transactions and incurred\ninterest on the $500 in new Transactions.\n\nImpact of Reversed Payments or Credits\nIf your Account had a Grace Period because of a payment you made and we posted to your Account, but then that payment is reversed,\nyou will lose the benefit of that Grace Period. As a result, we may charge you the interest you saved or would have saved because of the\nreversed payment. If you want to have a Grace Period on New Transactions during a month when a payment made in that month is\nreversed, you must pay before your next payment due date the entire Monthly Balance plus the amount of the reversed payment plus any\nadditional interest charged due to the reversed payment.\n\nExample:\nOn March 1, your Total Balance is $100. During March, you make $75 in new Transactions. You also make a payment of\n$100 on March 31.\nOn April 5, your previous payment of $100 is reversed due to insufficient funds.\n\xe2\x80\xa2\n\nBecause you paid the March 1 Total Balance of $100 in full and on time, you had a Grace Period on New\nTransactions during March, and, therefore, you avoided paying interest during the month of March on the $75 in\nnew Transactions.\n\n\xe2\x80\xa2\n\nBecause your payment for the March 1 Total Balance was subsequently reversed, we can now bill you in April for\nthe interest you previously avoided in March on the $75 in new Transactions and on the $100 Total Balance from\nyour March 1 Monthly Statement.\n\nHOW WE CALCULATE YOUR MINIMUM PAYMENT DUE\nPage 10/19\n\n\x0cHOW WE CALCULATE YOUR MINIMUM PAYMENT DUE\nBefore July 30, 2021, your \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d equals the greater of:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe sum of $25 and any past due amounts; or\nThe sum of (i) 1% of the Total Balance (excluding any Daily Cash Adjustment), plus (ii) any unpaid Daily Cash Adjustments billed to\nyour Account during that month, plus (iii) any interest billed to your Account during that month. The sum of these amounts is\nrounded up to the nearest dollar, and then any past due amounts are added.\n\nHowever, if the Total Balance is less than the above calculated amount, then the Minimum Payment Due equals the Total Balance.\nIf you accept a financing plan offer or offers for particular Transactions, such as Apple Card Monthly Installments, then the process below\ndetermines your Minimum Payment Due:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nFirst, we calculate the payment due for your balances that are not in a financing plan. We use the formula above to make this\ncalculation, but we subtract the financing plan balance or balances from the Total Balance.\nSecond, we add any monthly repayment amount calculated pursuant to any financing plan or plans (which will be an amount\ndisclosed to you and accepted by you, in connection with the plan or plans).\nHowever, your Minimum Payment Due will never be greater than your Total Balance.\n\nStarting July 30, 2021, your \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d equals the greater of:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe sum of $25 and any past due amounts; or\nThe sum of (i) 1% of the Total Balance (excluding any unpaid Daily Cash Adjustments), plus (ii) any unpaid Daily Cash Adjustments,\nplus (iii) any interest billed to your Account during that month. The sum of these amounts is rounded up to the nearest dollar, and\nthen any past due amounts are added.\n\nHowever, if the Total Balance is less than the above calculated amount, then the Minimum Payment Due equals the Total Balance.\nIf you accept a financing plan offer or offers for particular Transactions, such as Apple Card Monthly Installments, then the process below\ndetermines your Minimum Payment Due:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nFirst, we calculate the payment due for your balances that are not in a financing plan. We use the formula above to make this\ncalculation, but we subtract the financing plan balance or balances from the Total Balance.\nSecond, we add any monthly repayment amount calculated pursuant to any financing plan or plans (which will be an amount\ndisclosed to you and accepted by you, in connection with the plan or plans).\nHowever, your Minimum Payment Due will never be greater than your Total Balance.\n\nMaking Payments\nThis section explains when you must pay us each month, how to pay us,\nand how we apply those payments to your Account.\nWHEN TO PAY\nAt the beginning of each month, we will send or provide a Monthly Statement reflecting activity on your Account that occurred since the\nprevious Monthly Statement, such as new Transactions, interest and Daily Cash Adjustments. It will also identify your Total Balance, your\nMonthly Balance (if you do not have a financing plan, your Monthly Balance is equal to your Total Balance), the Minimum Payment Due and\nthe payment due date.\nYour payment is due by 11:59 P.M. ET on the last calendar day of each month.\nYou must pay at least your Minimum Payment Due by the payment due date each month. You may pay all or part of the outstanding\nbalance on your Account at any time without penalty.\nHOW TO PAY\nYou can make electronic payments through a Required Device (e.g., by using Apple Wallet or by selecting Wallet & Apple Pay) or at card.\napple.com. Electronic payments initiate electronic fund transfers (e.g., ACH or debit) from your (i) Apple Cash account or (ii) a bank\naccount(s) with a financial institution located in the U.S. (each, a "Payment Source Account").\nWhen making payments:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nDo not send us cash.\nPay only using U.S. dollars.\nYou should not pay more than your Account balance. We do not pay interest on credit balances.\nEach day, you may make a total maximum of five (5) electronic payments on your Account.\n\nPAYMENT AUTHORIZATION\nEach time you authorize us to take an electronic payment from your Payment Source Account, you represent and warrant that you are\nlegally authorized to use such Payment Source Account. By providing us with your Payment Source Account information, you authorize us\nto:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nRetain this information for the purpose of initiating electronic payments based on your instructions;\nPeriodically make credits to any Payment Source Account, beginning with the most recently linked Payment Source Account that\nhas not been deleted; and\nCorrect any payment, credit, or account errors.\n\nPage 11/19\n\n\x0cWhen you authorize us to take an electronic payment from your Apple Cash account, you are also authorizing Apple Payments, Inc. to\ntransfer the payment amount from your Apple Cash account to Goldman Sachs Bank USA, Salt Lake City Branch. Your authorization will\ncontinue until it is cancelled as described below, or when your Account is closed with a zero balance.\nPayment Dates\nIf you authorize us to make a payment on a day other than a Business Day, we will credit your payment on the scheduled payment date but\nwe may pull the payment on or after the following Business Day.\nth\n\nth\n\nst\n\nIf you authorize a payment for the 29 , 30 or 31 of a month, and the month does not have that many days, you are authorizing us to\ntake your payment on or after the last day of that month.\nPayment Amounts and Adjustments\nYou can choose to make one-time or recurring payments. Apple Cash can only be used for one-time payments. We may adjust the amount\nof your payment before processing it in the following ways:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nTo avoid creating a credit balance on your Account;\nIf you have scheduled a recurring payment for the amount of your Minimum Payment Due or Monthly Balance, your payment\namount may be reduced automatically based on payments, returns, and other credits to your Account that are posted by\n11:59 P.M. ET on the day prior to the date of your scheduled payment. If an earlier payment is rejected, we may automatically add\nthat amount to your scheduled payment, but not in excess of the amount you authorized;\nIf you have scheduled a recurring payment for a fixed dollar amount, your payment amount will not be reduced automatically\nbased on payments, returns, and other credits to your Account. A recurring payment for a fixed dollar amount will always be\nprocessed if you have a balance;\nIn all instances, if your Account balance on the scheduled payment date is $0 or less, then we will automatically cancel your\npayment scheduled for that date. In the case of a recurring payment, your payment will automatically restart on the next scheduled\npayment date on which your Account balance is greater than $0; or\nIn all instances, if a recurring payment is declined because of insufficient funds, then we will automatically turn off recurring\npayments and you will have to set up a new recurring payment.\n\nWe will not adjust your payment to an amount greater than what you authorize.\nSplit Payments\nYou can choose to "split" your electronic payment between your Apple Cash account and your bank account. If you elect to do so, funds\nwill first be taken from your Apple Cash available balance, and if such funds are insufficient to pay off the full payment amount that you\nhave authorized, then we will withdraw the remaining funds from your designated bank account. You agree that we may receive\ninformation about your Apple Cash account from the Apple Cash provider for purposes of supporting split payments.\nPayment Cancellations\nYou can cancel a scheduled payment by contacting us. We must receive your cancellation request no later than 11:59 P.M. ET on the day\nprior to the date of your scheduled payment. We may cancel your payment(s) if any prior payments from the associated Payment Source\nAccount are returned, or for any other reason we deem appropriate. We will provide you with notice of such cancellation.\nWHEN WE CREDIT YOUR PAYMENTS\nElectronic Payments\nIf you pay in accordance with the payment instructions detailed in this Agreement and in your Monthly Statement, we will credit your\npayments as follows:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf you initiate a one-time payment using a Payment Source Account before 11:59 P.M. ET, we will credit the payment as of that\ncalendar day. Otherwise, we will credit your payment as of the next day.\nIf you set up recurring payments, we will credit each payment as of its scheduled payment date.\n\nNon-conforming Payments\nWe may reject any payments that do not comply with our payment instructions set forth in this Agreement or on your Monthly Statement\n(each a "Non-conforming Payment") in our discretion. If we accept a Non-conforming Payment, crediting your Account for the payment\nmay be delayed and may result in additional interest billed to your Account.\nWe may accept any Non-conforming Payments, late payments, partial payments or payments with restrictive endorsements, without losing\nany of our rights, including our right to close your Account. We may deposit any payment you send us for less than the total outstanding\nbalance of your Account that you mark "paid in full" or with any similar language or otherwise seek to provide as full satisfaction of a\ndisputed amount. If we do, this payment will not fully satisfy the disputed amount or otherwise affect our rights to payment in full.\nCredit Availability\nAfter receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a\nperiod of time. You can check the status of your available credit by going to your Apple Wallet, accessing Wallet & Apple Pay, online at\ncard.apple.com, or by contacting us.\nHOW WE APPLY PAYMENTS, CREDITS AND REFUNDS\nSubject to applicable law, when we receive a payment, including when you redeem Daily Cash as a credit, for your Account, we will apply:\n\xe2\x80\xa2\n\nAmounts up to your Minimum Payment Due in any manner we choose; and\n\n\xe2\x80\xa2\n\nAny amounts exceeding the Minimum Payment Due first to the balance with the highest APR, and then to balances with lower\n\nPage 12/19\n\n\x0c\xe2\x80\xa2\n\nAny amounts exceeding the Minimum Payment Due first to the balance with the highest APR, and then to balances with lower\nAPRs (in descending order based on the applicable APR). This means that any Daily Cash Adjustment that has not been reflected\non a Monthly Statement will be paid last.\n\nRefunds and other credits may be applied to your Account in any manner, and do not generally reduce your obligation to pay your\nMinimum Payment Due.\n\nUsing Your Account Without a Required Device\nThis section explains the differences that apply if you use your Account without a Required Device.\nFor example, if you do not apply for or add Apple Card on a Required Device, this section applies.\nIf you are not using a Required Device, you will not have access to the full experience, functionality, and benefits of Apple Card. We call\nthis "Apple Line of Credit." The following provisions of this section will apply to your use of Apple Line of Credit:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nYou will be able to access card.apple.com to: (i) manage your Account; (ii) view your Monthly Statements; (iii) access a copy of\nthis Agreement; (iv) review your APR, DPR, and Margin; (v) view and manage earned Daily Cash; and (vi) make payments by\ninitiating electronic fund transfers from a Payment Source Account. If you do not have an Apple Cash account, Daily Cash can be\napplied by you as a credit on your Account balance. To cancel a previously scheduled payment, please access card.apple.com or\ncontact us.\nTo be eligible for and maintain Apple Line of Credit, you must have: (i) an Apple ID associated with an iCloud account that is in\ngood standing with Apple, as well as a valid email address associated with your Apple ID; (ii) Apple\'s two-factor authentication\nturned on for your Apple ID that is associated with your iCloud account; and (iii) a device that has a supported browser and is\ncapable of accessing HTML websites to view and retain documents in commonly used electronic formats, including by\ndownloading or emailing documents to an email account to which you have access. Supported browsers are Safari 7 or later,\nFirefox 34 or later, Chrome 37 or later, Opera 24 or later, or Edge 83 or later.\nYou may use your Apple Line of Credit only to make certain Purchase Transactions at Apple Retail Locations or the Apple Online\nStore that we authorize and permit. You will only earn and receive Daily Cash on permitted purchases of goods or services directly\nfrom Apple. To earn and receive Daily Cash as otherwise described in this Agreement, you will need to use Apple Card with a\nRequired Device.\nA Card will not be automatically added to Apple Wallet and you will not have access to a physical Card unless you add Apple Card\nto a Required Device in the future. If you do, this section (\xe2\x80\x9cUsing Your Account Without a Required Device\xe2\x80\x9d) will not apply and you\nmay then request a physical Card.\nYou will be able to contact us as provided for or required by this Agreement, but to contact the Bank using Messages you will need\nto use an Apple device supporting Messages and send a Message to Apple, which will route you to the Bank for any Account\nrelated questions.\nAny written or electronic notice or communication we send to you will be effective as provided for elsewhere in this Agreement or\nwhen it is made available to you through card.apple.com.\n\nAll other terms of this Agreement will apply to your use of the Account.\n\nAccount Default\nThis section explains when your Account will be in default and what\nmay happen when your Account is in default.\nWHAT TRIGGERS A DEFAULT\nThe Account will be in default of this Agreement, to the extent permitted under applicable law, if:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou fail to pay any Minimum Payment Due on or before the applicable payment due date, or your Minimum Payment Due is\nreturned unpaid or cannot be processed;\nYou breach any term of this Agreement or any other agreement with us;\nA Participant breaches any term of this Agreement or the Participant Terms of Use;\nYou file or become the subject of a bankruptcy or insolvency proceeding;\nYou give us any false, incomplete or misleading information; or\nYou become legally incapacitated.\n\nWHAT IS THE EFFECT OF BEING IN DEFAULT\nIf the Account is in default, we may take any of the following actions to the extent permitted under applicable law:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nContinue to charge you interest as long as you have an outstanding Account balance;\nLower your Credit Limit;\nDecline or otherwise limit your ability to make Transactions;\nReport information about your Account to the credit bureaus;\nBegin collections activities;\nSuspend or close your Account;\nRemove any Participant from your Account;\nRequire you to immediately pay all or any portion of your total outstanding balance (this action may also be taken upon death);\nIf we retain an attorney who is not our salaried employee to collect amounts you owe, we may require you to pay for the court\ncosts and reasonable attorneys\' fees that we actually incur; and/or\nTake any other action permitted by law.\n\nSuspending or Closing Your Account\nPage 13/19\n\n\x0cSuspending or Closing Your Account\nThis section explains when you may close your Account, when we may suspend or close your\nAccount, and what happens when your Account is closed.\nBY YOU\nYou can, at any time, close your Account by contacting us.\nBY US\nWe may suspend or close your Account, or suspend or cancel any feature on your Account, at any time and for any reason permitted\nunder applicable law.\nEFFECT OF CLOSING YOUR ACCOUNT\nWhen your Account is closed, you must:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nReturn or recycle all physical Cards;\nStop using your Account to make payments to others and cancel any such payments that may be automatic or recurring; and\nContinue to pay at least the Minimum Payment Due each month until the total outstanding balance of your Account, including any\namounts which post after the Account\'s closure, is paid in full.\n\nIf your Account is a Co-Owned Account, the Account will be closed for all of you and any Participant.\n\nCredit Information & Credit Reporting\nThis section describes how we use information about you that we obtain from credit bureaus, what information\nwe may provide about you to credit bureaus and how to dispute items on your credit bureau report.\nOBTAINING YOUR CREDIT BUREAU REPORTS\nWe may obtain credit bureau reports and other information about you from time to time in connection with servicing or collecting your\nAccount, and/or to provide other services to you such as credit monitoring information. Upon your request, we will inform you whether or\nnot a credit bureau report was obtained and the name and address of the credit bureau that furnished the report. We may verify your age,\nsocial security number, residence and other identifying information as permitted by applicable law.\nREPORTING INFORMATION TO CREDIT BUREAUS\nYOU AGREE THAT WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED\nPAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT BUREAU REPORT.\nIf you believe that we have reported incorrect information about your Account to a credit bureau, you should contact us, or you can write\nus at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112. Please include your name, address associated with your Account, the\nemail address associated with your Account, telephone number and a description of the information you believe is incorrect and why. If\navailable, please include a copy of the credit bureau report in question.\n\nCommunications\nThis section explains how we may contact you about matters relating to your relationship with us, and what\nyou should do to update us with your current contact information.\nCONTACTING YOU\nYou understand and agree that we may always communicate with you using any technology or methods that are permitted by law and that\ndo not require your prior consent. You also agree that we may communicate with you using an automatic telephone dialing system and\nthrough the delivery of artificial and/or prerecorded voice messages. Some of the ways we may contact you include calls, emails, text\nmessages, device-level notifications, and other electronic notification methods supported by the software you use to access your\nAccount. These communications may relate to upcoming due dates, missed or returned payments, other matters relating to the servicing\nor collection of amounts due under this Agreement or any other agreement with us, and your relationship with us more generally. We may\ncommunicate with you using any telephone numbers (including wireless, landline, and voice over IP numbers) or email addresses that you\ngive or have given to us. You understand and agree that anyone with access to your telephone, email account or Eligible Device may listen\nto or read the messages that we leave or send you. You agree that we will not be liable for any charges that you incur in connection with\nany communications that we send to you.\nYou agree to notify us immediately if you change telephone numbers or are no longer the subscriber or usual user of a telephone number\nthat you have given to us. You agree that we may monitor, record, retain and reproduce your telephone calls and other communications\nwith us. To the extent you have a right under applicable law, you can withdraw your consent to receive text messages through a telephone\nnetwork (e.g., SMS), calls to your Eligible Device, or calls through a telephone network, that are made with an automatic telephone dialing\nsystem or that deliver a prerecorded and/or artificial voice message. To revoke your consent, you must contact us in accordance with this\nAgreement.\nNOTICES\nAny written or electronic notice or communication we send to you will be effective when made available in your Apple Wallet, when sent to\nyou electronically, or, if you have withdrawn your consent to electronic communications, when mailed to the address associated with your\nAccount.\n\nPage 14/19\n\n\x0cCHANGES TO ACCOUNT INFORMATION\nYou must promptly notify us of any change to your name, mailing or email address, or phone number by contacting us. We may rely on\nyour email address or mail address as it appears on our records and any email address that you associate with your Apple ID for any and\nall Account communications we send to you unless and until you notify us of any changes. We may also, in our sole discretion, update your\nmailing address if we receive a notification of change from the U.S. Postal Service.\n\nOther Important Information\nThis section provides additional information that is important to understanding your\nrights and obligations for your Account.\nGOVERNING LAW\nThis Agreement is entered into between you and us in the State of Utah and we extend credit to you from Utah. This Agreement and your\nAccount will be governed by and construed in accordance with federal law and any applicable laws of the State of Utah without regard to\nrules concerning conflicts of law or choice of law.\nACCOUNT MANAGEMENT INFORMATION\nApple Wallet provides information that may help you manage your Account, reduce the interest you pay, and improve your financial health.\nThis information is not intended as financial advice or as a substitute for a financial advisor.\nDELAY IN ENFORCING OUR RIGHTS\nThe failure by us to enforce at any time any of the provisions of this Agreement, to exercise any election or option provided in this\nAgreement, to require at any time your performance of any of the provisions of this Agreement, or to enforce our rights under applicable\nlaw will not in any way be construed as a waiver of such provisions, election, option, performance or rights.\nSEVERABILITY\nThis Agreement is the complete and final expression of the agreement between us and you with respect to your Account, and this\nAgreement may not be contradicted by any alleged oral agreement. Subject to the special rule in the Arbitration section, if any provision of\nthis Agreement is found to be invalid or otherwise unenforceable, or declared invalid or otherwise unenforceable by order of court, change\nin applicable law, or regulatory authority, that provision will continue to be enforceable to the extent permitted by that court, law or\nagency, and the remainder of that provision will no longer be considered part of this Agreement. All other provisions of this Agreement will\nremain in full force and effect.\nLANGUAGE\nYou agree that you can understand English-language communications and agree that the English-language version of all communications\nwill be binding. The section headings and descriptions in this Agreement are for convenience only and do not in any way limit or define\nyour or our rights or obligations in this Agreement. As used in this Agreement, the term \xe2\x80\x9cincluding\xe2\x80\x9d means \xe2\x80\x9cincluding, but not limited to.\xe2\x80\x9d\nASSIGNMENT\nYou may not sell, assign or transfer any of your rights or obligations under this Agreement. However, we may sell, assign or transfer your\nAccount or any of our rights and obligations under this Agreement, without restriction and without your prior consent. Any attempted sale,\ntransfer, or assignment by you without our prior written consent will be null and void.\nSERVICE PROVIDERS\nWe may also use service providers in connection with providing your Account or services related to the Account. In doing so, we may\npermit one or more of our service providers to exercise any of our rights, rely on any consents or permissions that you have granted to us,\nand enforce any of your obligations on our behalf.\nINTELLECTUAL PROPERTY RIGHTS TO APPLE CASH\nAll intellectual property rights, including all patents, trade secrets, copyrights, trademarks, and moral rights, in Apple Cash are owned by\nApple Inc., and all text, graphics, software, photographs and other images, videos, sound, trademarks, and logos are owned either by\nApple Inc. or its licensors. Nothing in this Agreement gives you any rights in respect of any intellectual property owned by Apple Inc., its\nlicensors or third parties, and you acknowledge that you do not acquire any ownership rights by using your Account.\nINITIATING TRANSACTION DISPUTES WITH APPLE, INC.\nApple offers you or any Participant various ways to dispute Purchase Transactions of Apple goods or services directly with Apple in its\ncapacity as a merchant. This may include requesting a refund of some or all of the Purchase Transaction amount. This will not limit your\nrights or any Participant\xe2\x80\x99s rights to initiate a billing error directly with us.\nMILITARY LENDING ACT\nThe provisions of this section apply to members of the Armed Forces and their dependents pursuant to the Military Lending Act:\n\nPage 15/19\n\n\x0cStatement of Military APR\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specific credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nOral Disclosures\nMembers of the Armed Forces and their dependents may hear important disclosures and payment information about this\nAgreement and additional information about whether these protections apply to them by calling 877-255-5923.\n\nADDITIONAL DISCLOSURES\nVermont, Rhode Island and New York Residents: A credit bureau report may be requested in connection with your application. At your\nrequest, we will tell you whether or not a credit bureau report was obtained and, if so, the name and address of the credit bureau that\nfurnished the report. We may also request credit bureau reports from time to time in connection with any update, renewal or extension of\nthe credit account, whenever we believe that such action is appropriate.\nMarried Wisconsin Residents: If you are married: (i) you confirm that this Account is being incurred in the interest of your marriage or\nfamily; (ii) no provision of any marital property agreement, unilateral agreement, or court decree under the Wisconsin Marital Property Act\nwill adversely affect a creditor\'s interest unless, before the time credit is granted, the creditor is furnished a copy of that agreement or\ndecree or is given complete information about the agreement or decree; (iii) you understand and agree that we will provide a copy of this\nAgreement to your spouse for his or her information. If the Account for which you are applying is granted, you will notify us if you have a\nspouse by sending your name and your spouse\'s name and address to us at Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.\nMaryland Residents: If you are a Maryland resident as of the date you accept this Agreement, as evidenced by your billing address, to the\nextent, if any, that Maryland law applies to this Agreement and your Account and is not preempted by federal law, we elect to offer your\ncredit account under Subtitle 9 (Credit Grantor Open End Credit Provisions) of Title 12 of the Maryland Commercial Law Article.\nAll Residents: You promise us that you are not planning to file bankruptcy at the time of your application for your Account or when you\nseek to share your Account.\n\nBilling Rights Summary\nThe notice below describes the minimum rights you have under the Fair Credit Billing Act.\nIf you have a question or a dispute, contact us and we will try to resolve the matter in all cases.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR MONTHLY STATEMENT\nIf you think there is an error on your Monthly Statement, write to us at:\nLockbox 6112\nP.O. Box 7247\nPhiladelphia, PA 19170-6112\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and the email address associated with your Apple Card Account.\nDollar amount: The dollar amount of the suspected error.\nDescription 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\nmistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your Monthly Statement.\nNo later than 11:59 P.M. ET on the day prior to the date an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong.\n\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nPage 16/19\n\n\x0cWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your summary, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill 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\npay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you 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\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase must\nhave been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccess your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us at:\nLockbox 6112\nP.O. Box 7247\nPhiladelphia, PA 19170-6112\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nPage 17/19\n\n\x0cArbitration Provision\nThis section is an arbitration provision and contains important information that\naffects your legal rights. PLEASE READ IT CAREFULLY.\nThis arbitration provision does not apply to service members and their dependents who are entitled to protection under the Military\nLending Act (10 U.S.C. \xc2\xa7 987). If you would like more information about whether you are entitled to protection under the Military Lending\nAct and whether this section applies to you, please call us toll-free at 877-255-5923.\nThis arbitration provision shall also apply to any Claims (as defined below) brought by or against Apple Inc. or any of its affiliates\n(\xe2\x80\x9cApple\xe2\x80\x9d).\nACKNOWLEDGMENT OF ARBITRATION\nCredit is being extended to you and you are being provided access to and use of your Account on the basis of the inclusion of the\nfollowing arbitration provision. By accepting this Agreement or using your Account, unless you reject arbitration as provided below, you\nacknowledge that YOU ARE GIVING UP THE RIGHT TO LITIGATE CLAIMS (AS DEFINED BELOW) AND THE RIGHT TO INITIATE OR\nPARTICIPATE IN A CLASS ACTION. You hereby knowingly and voluntarily WAIVE THE RIGHT TO BE HEARD IN COURT OR HAVE A\nJURY TRIAL on all Claims subject to this Agreement. You further acknowledge that you have read this arbitration provision carefully,\nagree to its terms, and are entering into this Agreement voluntarily and not in reliance on any promises or representations whatsoever\nexcept those contained in this Agreement.\nHOW TO REJECT THIS ARBITRATION PROVISION\nYOU MAY REJECT THIS ARBITRATION PROVISION BY CONTACTING US USING MESSAGES, CALLING US, OR WRITING TO US, AND\nSTATING THE FOLLOWING: (I) YOUR NAME; (II) THE EMAIL ADDRESS ASSOCIATED WITH YOUR ACCOUNT; (III) THE ADDRESS\nASSOCIATED WITH YOUR ACCOUNT; AND (IV) THAT YOU ARE EXERCISING YOUR RIGHT TO REJECT THIS ARBITRATION PROVISION\n(A \xe2\x80\x9cREJECTION NOTICE\xe2\x80\x9d). YOUR REJECTION NOTICE MUST BE RECEIVED WITHIN 90 DAYS AFTER THE OPENING OF YOUR\nACCOUNT. IF YOUR REJECTION NOTICE COMPLIES WITH THESE REQUIREMENTS, THIS ARBITRATION PROVISION WILL NOT APPLY TO\nYOU, EXCEPT FOR ANY CLAIMS SUBJECT TO PENDING LITIGATION OR ARBITRATION AT THE TIME YOU SEND YOUR REJECTION\nNOTICE. ANY REJECTION NOTICE THAT COMPLIES WITH THIS PROVISION WILL APPLY TO BOTH US AND APPLE. IF OTHER PERSONS\nARE OBLIGATED ON OR PERMITTED TO USE YOUR ACCOUNT, A REJECTION NOTICE IS LIMITED TO ONLY THE PERSON SUBMITTING\nTHE REJECTION NOTICE. ANY OTHER PERSONS MUST SEND THEIR OWN REJECTION NOTICE. REJECTION OF THE ARBITRATION\nPROVISION WILL NOT AFFECT YOUR OTHER RIGHTS OR RESPONSIBILITIES UNDER THIS ARBITRATION PROVISION OR THIS\nAGREEMENT.\nDEFINITIONS\nFor purposes of this arbitration provision, the following definitions apply:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute, or controversy (whether based upon contract; tort, intentional or otherwise; constitution;\nstatute; common law; or equity and whether pre-existing, present or future), including initial claims, counter-claims, cross-claims,\nand third-party claims, arising from or relating to: (i) this Agreement, your Account or your relationship with us; (ii) any servicing of\nyour Account by our agents or service providers; (iii) advertisements, promotions or statements related to this Agreement or your\nAccount; (iv) your application for credit; (v) credit bureau reporting or debt collection on or related to your Account; and (vi) your\naccess to and use of your Account from or using any products or services provided by Apple Inc. and its affiliates.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and every person who is granted, accepts or uses your Account, except as otherwise provided in\nthis arbitration provision.\n\nARBITRATION\nYou or we may elect, without the other\xe2\x80\x99s consent, to resolve any Claim by individual binding arbitration unless the Claim has been filed in\ncourt and trial has begun or final judgment has been entered. Even if a Claim is litigated in court, you or we may elect arbitration of any\nClaim made by a new party or any Claim later asserted by a party in that or any related or unrelated lawsuit. You or we may also elect\narbitration of a Claim that the parties initially opted to litigate in court if that Claim is later modified (including to be asserted on a class,\nrepresentative or multi-party basis or to seek different or additional relief).\nNotwithstanding the foregoing, only a court and not an arbitrator may decide any dispute or controversy about the validity, enforceability,\ncoverage or scope of this arbitration provision, all of which are for a court and not an arbitrator to decide. However, disputes or\ncontroversies about the validity or enforceability of this Agreement as a whole are for the arbitrator and not a court to decide.\nJAMS (1-800-352-5267, jamsadr.com) will serve as the default arbitration administrator. Claims may also be referred to the American\nArbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) (1-800-778-7879, adr.org). You may obtain copies of the current rules, forms, and instructions for\ninitiating an arbitration directly from JAMS or the AAA. Claims may also be referred to another arbitration administrator, if you and we\nagree in writing, or to an arbitrator appointed pursuant to Section 5 of the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16 (the \xe2\x80\x9cFAA\xe2\x80\x9d). You and\nwe agree that any arbitration proceedings initiated hereunder shall be kept confidential.\nOTHER CLAIMS SUBJECT TO ARBITRATION\nIn addition to Claims made by or against either you or us, Claims made by or against anyone connected with you or us or claiming through\nyou or us (including any employee, agent, representative, affiliated company, predecessor or successor, heir, assignee or trustee in\nbankruptcy) are subject to arbitration as described herein.\nEXCEPTIONS\nWe agree not to invoke our right to arbitrate any individual Claim you bring in small claims court or an equivalent court with jurisdiction so\nlong as the Claim is pending only in that court.\n\nPage 18/19\n\n\x0cINDIVIDUAL CLAIMS ONLY\nClaims may be submitted to arbitration on an individual basis only. Claims subject to this arbitration provision may not be joined or\nconsolidated in arbitration with any Claim of any other person or be arbitrated on a class basis, in a representative capacity on\nbehalf of the general public, or on behalf of any other person, unless otherwise agreed to by the parties in writing. Claims by or\nagainst corporate affiliates will be considered a single claim. The arbitrator has no authority to award any relief not available in an\nindividual action in court or award any declaratory, injunctive or other relief primarily for the benefit of the general public. Further, unless\nyou and we both otherwise agree in writing, the arbitrator may award relief only in favor of your individual Claim. The arbitrator may not\naward relief for or against any other person, whether directly or indirectly.\nPROCEDURE\nA single arbitrator will resolve the Claims. The arbitrator will be a lawyer with at least ten years of experience who is a former or retired\njudge and will be selected by the parties; provided, however, that if the parties are unable to agree upon an arbitrator within seven (7)\ndays after delivery of the Demand for Arbitration, then the arbitrator will be appointed by the arbitration administrator. The arbitration shall\ncomply with the arbitration administrator\xe2\x80\x99s rules (the Streamlined Arbitration Rules for JAMS and the Consumer Arbitration Rules for AAA)\nin effect on the date the arbitration is filed, except where there is a conflict or inconsistency between the arbitration administrator\xe2\x80\x99s rules\nand procedures and this arbitration provision, in which case this arbitration provision will govern. The arbitration will be conducted in\nEnglish unless the parties otherwise agree in writing. Any in-person arbitration hearing for a Claim will take place within the federal judicial\ndistrict in which you live or at such other reasonably convenient location as agreed by the parties. The arbitrator will apply applicable\nsubstantive law consistent with the FAA and will honor all claims of privilege and confidentiality recognized at law. All statutes of\nlimitations that would otherwise be applicable will apply to any arbitration proceeding. The arbitrator will not apply any federal or state\nrules of civil procedure or evidence in matters relating to evidence or discovery. Except as otherwise provided in this arbitration provision,\nthe arbitrator will be empowered to grant whatever relief would be available in court under law or in equity. Any appropriate court may\nenter judgment upon the arbitrator\xe2\x80\x99s award. This arbitration provision is made pursuant to a transaction involving interstate commerce and\nis governed by the FAA.\nADDITIONAL ARBITRATION AWARD; ATTORNEYS\' FEES\nIf we make a final written settlement offer before the arbitrator is selected and the arbitrator rules in your favor for an amount greater than\nthat final offer, or if we do not make a final written settlement offer before the arbitrator is selected and the arbitrator rules in your favor on\nthe merits of your Claim, the arbitrator\'s award will include: (1) any money to which you are entitled, but in no case less than $10,000; (2)\ntwice the amount of your reasonable attorneys\' fees, or the amount of attorneys\' fees to which you are entitled under applicable law,\nwhichever is greater; and (3) your costs and expert and other witness fees. If we prevail in arbitration, we will not be entitled to recover our\nattorneys\' fees even when permitted to do so under applicable law.\nARBITRATION FEES\nWe will pay any arbitration fees (including the arbitrator\xe2\x80\x99s fees and any filing, administrative, hearing or other fees charged by the\narbitration administrator) in connection with any Claims. You will be responsible for any other costs that you incur in connection with any\nClaim unless applicable law provides otherwise. Any arbitration award will apply only to the specific case and cannot be used in any other\ncase except to enforce the award.\nSURVIVAL\nThis arbitration provision shall survive payment of all amounts due pursuant to this Agreement, termination of your Account, any legal\nproceeding to collect amounts due, any bankruptcy and any assignment or sale of this Agreement, your Account or any and all rights\nthereunder. In the case of an assignment or sale of this Agreement, your Account or any and all rights thereunder, the buyer will be bound\nby and may enforce the terms of this arbitration provision. If any portion of this arbitration provision is deemed invalid or unenforceable, it\nwill not invalidate the remaining provisions of this arbitration provision or this Agreement, except that if any part of the "Individual Claims\nOnly" provision is found in a court proceeding to be invalid or otherwise unenforceable with respect to a Claim (and that determination\nbecomes final after all appeals have been exhausted), then this arbitration provision (except for this sentence) will not apply to that Claim.\n\nPage 19/19\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVISA PLATINUM/VISA SHARE SECURED\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n7.99%\n\nto18.00%\n\n, based on your creditworthiness.\n\nVisa Share Secured\n\n3.99%\nAPR for Balance Transfers\n\nVisa Platinum\n7.99% to18.00% , based on your creditworthiness.\nVisa Share Secured\n\nAPR for Cash Advances\n\n3.99%\nVisa Platinum\nto18.00% , based on your creditworthiness.\n7.99%\nVisa Share Secured\n\n3.99%\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nMinimum Interest Charge\nIf you are charged interest, the charge will be no less than $1.50.\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nHow to Avoid Paying Interest on\nPurchases\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: August 1, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum and Visa Share Secured are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04102328-MXC10-P-2-071521 (MXC102-E)\n\n\x0c(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nDocument Copy Fee:\n$2.00 per page.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04102328-MXC10-P-2-071521 (MXC102-E)\n\n\x0c'