b'Important Disclosures About Your Sunbit Card\nSunbit Card is issued by TAB Bank\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual\nPercentage\nRate (APR) for\nPurchases\n\n7.24% to 29.99%\n\nHow to Avoid\nPaying Interest\n\nYour due date is at least 26 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month.\n\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.*\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fee\n\xe2\x97\x8f\n\nForeign Transaction\n\n3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x97\x8f\n\nLate Payment\n\n$19\n\n\xe2\x97\x8f\n\nOver-the-Credit Limit\n\nNone\n\n\xe2\x97\x8f\n\nReturned Payment\n\nNone\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new\npurchases)." See the "Interest Calculation; Balances Subject to Interest Rate" section of this Agreement\nfor more details.\nBilling Rights: See "Billing Rights Summary" section of this Agreement for information on your rights to\ndispute transactions and how to exercise those rights.\n*Prime Rate: The Index for the variable APR is based on the Prime Rate. The Index is 3.25% as of\n06/30/2021. Please refer to "Variable Annual Percentage Rate" section of this Agreement for more\ndetails.\nAPR for Purchases: The Annual Percentage Rate of 7.24% to 29.99% for Purchases is variable and is\nequal to the Prime Rate plus a margin of 3.99% to 26.74% (Daily Periodic Rate currently 0.01983562% to\n0.08216438%).\nMilitary Lending Act Disclosure: To receive important disclosures and payment obligation information\nabout this Agreement verbally, please call 855.950.0057.\n\n\x0cCARDMEMBER AGREEMENT\nGeneral Information: This Cardmember Agreement and the Important Disclosures About Your\nSunbit Card ("Important Disclosures") (together, the "Agreement") is the agreement for your\nSunbit credit card account issued by TAB Bank (your "Account"). Key terms are defined\nthroughout this Agreement, including in the "Definitions" section, below. The words "we," "us,"\n"our" and "TAB Bank" each mean Transportation Alliance Bank, Inc. d/b/a TAB Bank, and its\nsuccessors and assigns. The word "Sunbit" means Sunbit Now, LLC, dba Sunbit, the company\nthat assists TAB Bank in servicing your Account. (We may allow Sunbit and/or other third parties\nto exercise our rights on our behalf.) The words "Cardmember," "you" and "your" each mean\nall persons whom we approve to use the Account, and any person who agrees to be responsible\nfor payment of the Account. Please keep a copy of the Agreement for your records and read it\ncarefully.\nArbitration Notice: SECTION 33 OF THIS AGREEMENT IS AN ARBITRATION PROVISION\nWHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A MEMBER, OR A DEPENDENT OF A\nMEMBER, OF THE ARMED FORCES ON THE DATE YOU OPEN THIS ACCOUNT, OR\n(2) YOU REJECT THE ARBITRATION PROVISION AS PROVIDED IN SECTION 33. IF\nAPPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR\nRIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT\nBE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION RELATING TO MATTERS\nARISING UNDER THIS AGREEMENT.\n1.\n\nDefinitions: The following terms as used in this Agreement mean the following:\n"Annual Percentage Rate" or "APR" means the rate, disclosed as a percentage, used to\ncalculate interest charges for your Account.\n"Card" means any credit card, Account number, virtual account or other access device\nissued by us to you, or any other form of access device that can be used to access credit\non your Account.\n"Credit Limit" means the maximum amount of credit that can be accessed using your\nAccount.\n"Daily Periodic Rate" or "DPR" means the APR divided by 365.\n"Minimum Payment Due" means the minimum amount you must pay us by the applicable\nPayment Due Date for your Account to remain in good standing. Your Minimum Payment\nDue will be shown on each Statement.\n"Payment Due Date" is the date shown on each Statement by which you must pay at\nleast the Minimum Payment Due shown on such Statement.\n"Purchase" means using your Card (including through a mobile device or mobile wallet)\nto purchase or lease goods or services. "Purchases" generally include any credit\nadjustments related to a Purchase.\n"Statement" means a periodic billing statement we will provide to you if and as required\nby applicable law.\n\n2.\n\nAcceptance and Use of This Account; Promise to Pay: By accepting a Card, activating\nor using the Account, or allowing someone else to do so, you agree to and accept the\nterms of this Agreement, as such terms may be changed from time to time by us. You\nmay use your Account only for personal, family, or household purposes, and not for any\nbusiness, commercial or investment purpose. You should sign the back of your Card\n\n\x0cbefore using it. You promise to pay us the amount of all transactions, interest, fees and\nother amounts charged to your Account.\nYou may make Purchase transactions up to your Credit Limit either by presenting your\nCard to a merchant, or by using your Card or Account number over the telephone, internet\nor some other electronic method, to complete such transactions.\nCertain mobile phones or other electronic devices can be provisioned to function as a\nCard, such as by storing and/or accessing Account data (for example, through a mobile\nwallet). Transactions using such devices can proceed like an online transaction over the\ninternet, or can function like a traditional credit card. Any such electronic device\nconstitutes a "Card" under this Agreement. Applications that enable your electronic\ndevices to function as a Card may be subject to separate terms and conditions. We are\nnot responsible if a transaction violates such terms and conditions. However, transactions\nsubject to any such terms and conditions are also subject to this Agreement.\nIf your mobile phone or other electronic device can function as a Card, you are solely\nresponsible for protecting it in the same manner as protecting a plastic credit card or\nAccount information. Giving another person a device that functions as a Card and/or any\ninformation necessary to use the device as a Card has the same consequence for you as\npermitting such person to use your Account.\nYou may be able to establish recurring periodic billing arrangements with various\nmerchants, and it will be your responsibility to ensure such merchants are provided with\ncurrent Account information. If your Account information changes, such as a change in\nAccount number or Card expiration date, you consent to our providing such new Account\ninformation, at our discretion, to any or all such merchants, but we are not obligated to do\nso. If your Account is closed or your charging privileges are suspended, you will need to\ncontact such merchants to stop the automatic transactions.\nYou may not use your Account for balance transfers, to obtain cash advances or for\n"quasi-cash" transactions, which include, but are not limited to, purchases of wire\ntransfers, money orders, traveler\xe2\x80\x99s checks, foreign currency, lottery tickets, off-track bets\nand casino gambling chips. If you are somehow able to use your Account for a transaction\nof this type, you agree to repay any amount(s) for such transactions upon demand.\n3.\n\nCredit Limit: Your initial Credit Limit is provided on the Card carrier accompanying this\nAgreement and is included in this Agreement by reference. We will disclose your thencurrent Credit Limit to you on each of your Statements. You agree we may change your\nCredit Limit at any time subject to applicable law. You agree never to use your Card when\nthe use would exceed your Credit Limit, and that we are not obligated to extend credit to\nyou for an amount that would cause your outstanding balance to exceed your Credit Limit,\nor for any amount if your outstanding balance is already over the Credit Limit.\nAny increases in your Credit Limit you request will require that you make either a written,\noral or electronic application for our approval. We will re-evaluate your financial condition,\nincluding your ability to make payments, if you request a higher Credit Limit (and we accept\nyour request), or at any time we deem it appropriate to review your Account, and this may\ninclude obtaining a current credit bureau report, and/or asking you for current financial\ninformation. Based on such reviews, we may immediately increase or reduce your Credit\nLimit, or close the Account, without prior written notice to you except as required by\napplicable law.\nIf you make a transaction that would cause you to exceed your Credit Limit, we may\n(a) allow the transaction without increasing your Credit Limit; (b) allow the transaction\n\n\x0cwithout increasing your Credit Limit and treat that amount as immediately due, or (c) refuse\nthe transaction. If the transaction is refused, we may notify the person who attempted the\ntransaction that it has been refused. If we permit a transaction that causes an over-limit\ncondition, it does not mean that we will do so again in the future. You will pay any\namount(s) which exceeds your Credit Limit, upon demand.\n4.\n\nIllegal Activities and Card Use: You agree not to use your Card or Account to engage\nin illegal activities, including, but not limited to, certain internet gambling. If you use your\nCard or Account to engage in any illegal activity, you understand that you will nevertheless\nbe liable for any resulting transactions made by use of your Card or Account, and any\nrelated interest and fees.\n\n5.\n\nVariable Annual Percentage Rate: The Annual Percentage Rate (and Daily Periodic\nRate) on this Account will vary from time to time due to changes to the "Index," plus the\napplicable percentage identified in your Important Disclosures as the margin. The APR\n(and DPR) may change each billing cycle if the Index changes. The Index is determined\nmonthly, and is the highest U.S. Prime Rate published in the "Money Rates" section of\nThe Wall Street Journal on the 28th (twenty-eighth) day of the month or, if the Index is not\npublished on such date, then on the immediately following publication day. If the Index\nhas changed, the new APR (and DPR) will apply to your Account as of the first day of your\nnext billing cycle. If the APR increases (or decreases), you will pay a correspondingly\nhigher (or lower) interest charge and may pay a higher (or lower) Minimum Payment\nDue. The Prime Rate is simply a pricing index and may not be the lowest interest rate\navailable. If The Wall Street Journal temporarily or permanently stops publishing the\nPrime Rate, or how the Prime Rate is defined is changed, then we may select a new third\nparty source for obtaining the Prime Rate or select a substitute Index not under our control,\nin our sole discretion.\n\n6.\n\nPeriodic Interest on Your Account:\na)\n\nPaying Interest/When Periodic Interest Begins to Accrue: We do not charge\nperiodic interest in any billing cycle if you pay the New Balance, if any, as shown\non your prior Statement in full by the Payment Due Date shown on such Statement\nevery month. A billing cycle without periodic interest is an "Interest Free Period."\nIf your current Statement indicates that you made full payment of the Previous\nBalance (which is the same as the New Balance shown on your previous\nStatement) by the Payment Due Date as shown on the previous Statement or if\nthe current Statement indicates that the Previous Balance was zero or a negative\namount, and if you also make a payment equal to the New Balance indicated on\nthe current Statement by the Payment Due Date shown on the current Statement,\nthen we will not charge periodic interest on any portion of the new Purchases that\nappear on the current Statement to which we allocated such payment.\nOn each Purchase, we charge periodic interest from the posting date of the\nPurchase on your Statement unless such Purchase posts during an Interest Free\nPeriod. If the Purchase posts during an Interest Free Period but the next billing\ncycle is not an Interest Free Period, we start charging periodic interest as of the\nfirst day of that next billing cycle on the portion of the Purchase, if any, that is not\npaid by the Payment Due Date. We do not charge periodic interest on any\nPurchase that is posted during an Interest Free Period and paid in full by the\nPayment Due Date in the next billing cycle.\n\n\x0cb)\n\nInterest Calculation; Balances Subject to Interest Rate: We calculate periodic\ninterest on your Account by multiplying the "Balance Subject to Interest Rate" by\nthe DPR, and by the number of days in the billing cycle. If you have an Interest\nFree Period for a billing cycle, the Balance Subject to Interest Rate for that billing\ncycle will be $0.\nWe figure your Balance Subject to Interest Rate by (i) figuring the "daily balance"\nof Purchases for each day in the current billing cycle, (ii) adding up all such daily\nbalances together and (iii) dividing the total by the number of days in the billing\ncycle. This gives us the "average daily balance."\nWe figure each "daily balance" on your Account as follows. If a daily balance is\nless than zero, we will treat it as zero. For each day in the billing cycle:\n\n7.\n\n8.\n\n(i)\n\nwe start with the beginning balance of Purchases for such day (which\nequals the daily balance of Purchases for the immediately preceding day),\nif any;\n\n(ii)\n\nas of the first day of the billing cycle, if the immediately preceding billing\ncycle was an Interest Free Period we subtract all payments and credits\napplied to Purchases and posted by the Payment Due Date in the current\nbilling cycle, and make any other necessary debit or other adjustments;\n\n(iii)\n\nwe add any new Purchases, if any; and\n\n(iv)\n\nwe subtract any payments and credits for that day that apply to Purchases\n(but do not subtract a second time any payments or credits that have\nalready been subtracted in step (ii), above).\n\nThe Military Lending Act provides protections for certain members of the Armed Forces\nand their dependents ("Covered Borrowers"). The provisions of this section apply only to\nCovered Borrowers.\na)\n\nStatement of Military APR: Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of\nthe Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees\nfor specific credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\n\nb)\n\nOral Disclosures: Covered Borrowers may receive important disclosures\nand payment obligation information about this Agreement verbally by calling\nus toll free at 855.950.0057.\n\nForeign Transactions: If a Purchase is in a currency other than U.S. dollars, the payment\nnetwork supporting your Account will convert the Purchase into U.S. dollars using its own\ncurrency conversion procedures. Currently, the exchange rate is determined in one of two\nways. The rate will come from either the range of rates available in the wholesale currency\nmarkets for the processing date (which may be different from the rate the payment network\nreceives) or a government-mandated rate in effect on that date. The exchange rate used\nmay differ from the rate on the date of your Purchase or its posting date. These rules may\nchange without notice.\n\n\x0c9.\n\nForeign Transaction Fee: A "Foreign Transaction Fee" will be applied to each\nPurchase that occurs using a currency other than U.S. dollars (regardless of the location\nof the merchant or where the Purchase takes place) or that takes place outside the United\nStates. The Foreign Transaction Fee is disclosed on the Important Disclosures and will\nbe displayed as a separate transaction on your Statement. A Foreign Transaction Fee\nwill be applied to your Account as part of the applicable balance category for which the\nForeign Transaction Fee was incurred when the transaction is posted.\n\n10.\n\nOther Fees:\na)\n\nLate Payment Fee: Your Minimum Payment Due will be past due if it is not\nreceived at the address we specify for payments on your Statement by 5:00 p.m.\nPacific Time on the Payment Due Date shown on your Statement. We will charge\na Late Payment Fee of $19 if we do not receive a Minimum Payment Due by 5:00\np.m. Pacific Time on the 10th day after its Payment Due Date.\nHowever, we will not charge a Late Payment Fee if, immediately after the passage\nof those 10 days, the outstanding portion of such Minimum Payment Due is less\nthan $19.\n\nb)\n\n11.\n\nDocument Copies, Rush Card and Other Convenience Fees: If you request a\ncopy of a charge slip or other document not in connection with a billing error, or if\nyou request overnight delivery or a replacement card, or if you request any other\nspecial services, we may charge a fee to your Account, subject to applicable law.\nBefore we do, we will disclose the fee to you at the time of your request.\n\nMinimum Payment Due; Making Payments: We generally calculate your Minimum\nPayment Due so that, if you timely make payments equal to the Minimum Payment Due\neach month, there are no Purchase-related transactions on your Account and the Prime\nRate does not change, your payments will be substantially equal and will pay off your\noutstanding balance of Purchases and accrued interest within 36 months.\nSpecifically, on the monthly statement we produce at the end of a billing cycle (the\n\xe2\x80\x9cStatement Cycle\xe2\x80\x9d), we will compute and show your Minimum Payment Due for the next\nbilling cycle (the \xe2\x80\x9cPayment Cycle\xe2\x80\x9d), as follows:\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\nWe take your total outstanding balance (including interest and fees) as of the end\nof the billing cycle in which (i) you last made or returned a Purchase, (ii) you paid\nany amount (even a penny) in excess of the Minimum Payment Due, (iii) the Index\nchanged, (iv) an amount related to a Purchase was refunded to your Account or\n(v) at our election, a dispute regarding a transaction was opened or closed (each\nsuch event, a \xe2\x80\x9cComputation Event\xe2\x80\x9d and the date of the statement for the billing\ncycle with a Computation Event, the \xe2\x80\x9cComputation Date\xe2\x80\x9d).\nIf there was a Computation Event in the Statement Cycle, we subtract any\namounts that are past due as of the Computation Date and any Late Payment\nFee assessed in such Statement Cycle.\n\n\xe2\x80\xa2\n\nWe then calculate the substantially equal amounts that would repay the resulting\nbalance plus interest assuming timely payments of the Minimum Payment Due in\nthe 36 billing cycles that follow the Computation Date (the \xe2\x80\x9cRepayment Period\xe2\x80\x9d).\nWe may (or may not) make one or more simplifying assumptions in making this\ncomputation, including that: (i) all Payment Due Dates are business days, (ii) all\nmonths have the same number of days, and (iii) interest accrues on principal,\n\n\x0cinterest and fees (not just principal). (We do not make any simplifying assumptions\nin computing interest, as opposed to computing the Minimum Payment Due, and\nonly charge interest on the principal amount outstanding for the actual number of\ndays outstanding.)\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe round this amount up or down to the nearest penny.\nFinally, regardless of whether there was a Computation Event in the Statement\nCycle, we add any past due amounts and any Late Payment Fee assessed in the\nStatement Cycle.\n\nThis gives us the Minimum Payment Due for the current billing cycle.\nHowever: (1) If this calculation results in an amount of less than $25, your Minimum\nPayment Due will be equal to $25. (2) In no event will your Minimum Payment Due exceed\nthe New Balance shown on your Statement. (3) For any billing cycles immediately after\nthe Repayment Period, your Minimum Payment Due will equal the amount outstanding at\nthe end of the Statement Cycle (which could include principal amounts, interest and fees).\nFor example, if your APR is 15%, you have billing cycles that begin on the 15th of the\nmonth and end on the 14th of the next month, you have a $0 balance on your Account as\nof January 15 and you make $3,600 in purchases (net of any rewards you may earn) on\nFebruary 1, the Computation Date will initially be February 14. The Minimum Payment\nDue shown on your February 14 periodic statement and the following 35 periodic\nstatements (assuming that, for each billing cycle in the Repayment Period you pay exactly\nthe Minimum Payment Due exactly on time and there is no subsequent Computation\nEvent) would be roughly $125. If you were to return $600 of the $3,600 in purchases on\nFebruary 15 (i.e., the first day of the next billing cycle) and timely make the $125 Minimum\nPayment Due in that billing cycle, March 14 will be a new Computation Date for a new 36cycle Repayment Period. The Minimum Payment Due shown on your March 14 periodic\nstatement and the following 35 periodic statements (assuming that, for each billing cycle\nin the new Repayment Period you pay exactly the Minimum Payment Due exactly on time\nand there is no subsequent Computation Event) would be roughly $100.\nYou agree to make your payments only in U.S. dollars. In our discretion, we may delay\nincreasing your available credit by the amount of any payment until we determine that your\npayment has been indefeasibly collected. You agree that we are not obligated to accept\npayment checks drawn on a financial institution that is outside of the U.S. or that do not\ncontain proper signatures and amounts. If you present and we accept a check drawn on\na non-U.S. financial institution, posting of your payment will be delayed. You agree to\nallow us, at our discretion, to place a hold on your Account until a check drawn on a nonU.S. financial institution has been finally collected, and to debit your deposit account or to\nreduce your payment, to cover any collection and processing fees associated with\nhandling such checks. We reserve the right to reject any payment that will create or\nincrease a credit balance on your Account as of the date we receive the payment. We will\nnot pay interest on any credit balance on your Account.\nPayment received at the address we specify for payments on your Statement in proper\nform by 5:00 p.m. Pacific Time on a business day will be credited to your Account as of\nthat day. Payments received in proper form at this address after that time will be credited\nto your Account as of the next business day. We may, in our discretion, accept payments\n\n\x0cnot received in proper form, but crediting of such payments may be delayed up to five\ndays following receipt.\nWhen you provide a check as payment, you authorize us either to use information from\nyour check to make a one-time electronic fund transfer ("EFT") from your deposit account\nor to process the payment as a check transaction. When we use information from your\ncheck to make an EFT, funds may be withdrawn from your deposit account as soon as\nthe same day we receive your payment, and you will not receive your check back from\nyour financial institution. If your check is returned unpaid for insufficient or uncollected\nfunds, we may re-present your check electronically.\n12.\n\nIrregular Payments: We may accept late payments, partial payments, disputed payments\nor payments marked with restrictive writing, such as "Paid in Full" or similar language,\nwithout losing any of our rights under the Agreement. If you wish to make a payment in\nsatisfaction of a disputed amount or balance, you must send it to TAB Bank, c/o Sunbit,\nAttn: Legal Department, PO Box 24010, Los Angeles, CA 90024 with a letter of\nexplanation. Despite any such language, we may deposit such a payment without such\ndeposit satisfying the amount in dispute or otherwise affecting our right to receive payment\nin full.\nYou may not use a post-dated check as a payment, and we may return or deposit any\nsuch check without waiting for the date found on the check. We are not liable to you for\nany expense or loss you incur arising from the actions we may take with respect to a postdated check.\n\n13.\n\nAllocation of Payments: We will allocate payments and other credits in our sole\ndiscretion, subject to applicable law. As required by law, we will apply payments in excess\nof the Minimum Payment Due to outstanding balances with higher APRs, if any, before\noutstanding balances with lower APRs, if any. The method we use to allocate payments\nmay result in your paying higher periodic interest.\n\n14.\n\nAmendments: Subject to applicable law, we may change the terms of this Agreement\nfor any reason or no reason, and in any respect, by adding, deleting or modifying any\nprovision, including APRs, fees, the calculation of Minimum Payment Due and other terms.\nIn certain circumstances, when we are required by law to notify you of changes to the\nterms of this Agreement, we will do so. In other circumstances we may not be required to\ndo so. When required by law to advise you that you have a legal right to reject any\nchanges we make, we will provide an explanation about how to do that. Changes will not\napply to existing balances except where permitted by applicable law. In some\ncircumstances, APRs or other aspects of your Account may change even though the terms\nof the Account do not change, such as when the Prime Rate changes. We can update\nany address or telephone number provided in this Agreement, but we will notify you if we\ndo so.\n\n15.\n\nEvents of Default: We may declare you to be in default under this Agreement, to the\nextent permitted by law, if any of the following events occur: (a) you fail to pay any\nMinimum Payment Due on or before its Payment Due Date; (b) you breach any other term\nof this Agreement or of any other obligation or agreement you have or will have with us or\nany of our affiliates; (c) you die or become insolvent; (d) a petition is filed or other\nproceeding is started under the federal Bankruptcy Code or any state insolvency statute\nby or against you; (e) a receiver is appointed or a writ or order of attachment, levy or\ngarnishment is issued against you or any of your property assets or income; (f) we believe\nin good faith, that the likelihood of your paying or performing all your obligations under this\nAgreement is impaired; or (g) you make a fraudulent, false or misleading statement in your\n\n\x0cAccount application or otherwise in connection with any other obligation or agreement you\nhave with us or any of our affiliates.\nIDAHO, IOWA, KANSAS, MAINE AND SOUTH CAROLINA RESIDENTS ONLY: We may\ndeclare you to be in default if you fail to make a payment as required by this Agreement\n(or within 10 days of the time required by this Agreement, for Iowa residents) or if the\nprospect of your payment or performance is significantly impaired (for Iowa residents, if,\nfollowing an event of default, the prospect of your payment is materially impaired). We\nhave the burden of establishing the impairment of such prospect of payment or\nperformance.\nWISCONSIN RESIDENTS ONLY: We may declare you to be in default (a) if you permit to\nbe outstanding an amount exceeding one full payment which has remained unpaid for\nmore than 10 days after its scheduled due date or deferred due date, or if you fail to pay\nthe first payment or last payment within 40 days of its scheduled due date or deferred due\ndate or (b) if you fail to observe any other provision of this Agreement, the breach of which\nmaterially impairs your ability to pay the amounts due under the Agreement.\n16.\n\nRemedies on Default: If you are in default, we may (a) declare all or any part of the total\noutstanding balance on your Account to be immediately due and payable; (b) terminate or\nsuspend your Account and/or your ability to make additional transactions using the\nAccount; (c) reduce your Credit Limit; (d) commence an action for the collection of all\namounts owed in connection with this Agreement; and (e) subject to applicable provisions\nof law, charge you all reasonable collection expenses incurred by us in the collection of\namounts you owe under this Agreement, including fees of attorneys, court costs (including\ncosts incurred in bankruptcy and appellate court proceedings) and fees of any collection\nagency to which we refer your Account.\n\n17.\n\nWaiver: We may delay or waive enforcing our rights under applicable law or this\nAgreement without losing them. A waiver of rights by us shall not be deemed to be a\nwaiver of other rights or of the same rights at any other time.\n\n18.\n\nTransfer of Account: You cannot transfer or assign your Account or your rights under\nthis Agreement to any other person, and any attempt to do so is automatically void and of\nno legal effect. You understand and agree that we may transfer or assign all or any part\nof your Account balance and/or our rights under this Agreement at any time and without\nnotice to you.\n\n19.\n\nCancellation: You may close your Account by notifying us in writing or by telephone, and\nby destroying all Card plastics or other credit devices for the Account. You must notify\nanyone you have authorized to charge transactions to your Account that you have closed\nyour Account or we may continue to allow these transactions. Your obligations on the\nAccount will continue even though we have closed your Account. We may close your\nAccount or suspend your ability to use your Account or Card, or otherwise cancel, or limit\nthis Agreement at any time for any reason or no reason, and without notice to you, subject\nto applicable law. We are not liable for any refusal by anyone to honor your Account or\nCard.\n\n20.\n\nLiability for Account: Except as otherwise noted herein, you are liable for all amounts\ndue under this Agreement regardless of who receives benefit from the Account.\n\n21.\n\nOther Users of your Account: If you permit another person to use your Account by\nproviding such person with a Card or the Account number, your permission will be deemed\nto extend to all transactions made by that person, and will continue until you take the\nnecessary steps to prevent such person from making further transactions using the\n\n\x0cAccount. You will be obligated to pay all transactions made by any person you permit to\nuse your Account, as well as all related interest and fees, whether or not you intended to\nbe responsible for such charges.\n22.\n\nLiability for Unauthorized Use: If you notice the loss or theft of your Card or a possible\nunauthorized use of your Account or Card, you should write to us immediately at: TAB\nBank c/o Sunbit, PO Box 24010, Los Angeles, CA 90024. You will not be liable for any\nunauthorized use that occurs after we receive your notice.\nWe issue the Card to you at your request and you agree to destroy it upon demand. You\nwill notify us promptly if your Card is lost, stolen or if there is unauthorized use of your\nCard or Account, or if someone uses your Card or Account to make unauthorized\npurchases at merchants not authorized to accept your Card or Account. Under our no\nfraud liability policy, you will not be liable for any unauthorized purchases made through\nthe Visa\xc2\xae network at merchants, including those transacted on the internet if you contact\nus promptly after the Statement on which the transaction occurred was mailed or\nelectronically sent to you. If you orally give us notice concerning loss or theft, you agree\nto confirm such notice in writing upon request. Also, you agree to assist us in determining\nthe facts and circumstances relating to any loss, theft or possible unauthorized use of your\nCard or Account, and to comply with such procedures as we may reasonably require in\nconnection with our investigation. You agree that unauthorized use does not include use\nby a person to whom you have given authority to use the Card or Account, and that you\nwill be liable for all use by such a person until you notify us that such authority to use the\nCard or Account is no longer authorized. To terminate that authority, you must notify us at\n855-678-6248.\n\n23.\n\nCredit Reports and Account Information: You give us permission to request information\nand to make whatever inquiries we consider necessary and appropriate (including\nobtaining information from third parties and requesting consumer reports from consumer\nreporting agencies) for the purpose of considering your application for this Account and\nsubsequently, in connection with any product upgrades or any updates, renewals, credit\nlimit increases or extensions of credit, or reviewing or collecting your Account. You also\nauthorize us to report information concerning you or your Account, including information\nabout your performance under this Agreement, to consumer reporting agencies and others\nwho may properly receive such information. We may report information about your\nAccount to credit bureaus. Late payments, missed payments, or other defaults on\nyour Account may be reflected in your credit bureau report. If you believe that any\ninformation that we have reported to a credit bureau is inaccurate or incomplete,\nyou may write to us at TAB Bank c/o Sunbit, PO Box 24010, Los Angeles, CA 90024.\nIn your letter, (a) provide your name and the Account number, (b) identify the\nspecific information that is being disputed, (c) explain the basis for the dispute, and\n(d) provide any supporting documentation you have that substantiates the basis of\nthe dispute. We will investigate the matter. If our investigation shows that you are\nright, we will contact each credit reporting agency to which we reported the\ninformation and will request they correct the report. If we disagree with you after\nour investigation, we will tell you in writing.\nIf you believe that you have been the victim of identity theft, submit an identity theft\nreport and affidavit to TAB Bank c/o Sunbit, PO Box 24010, Los Angeles, CA 90024.\n\n24.\n\nChange of Contact Information: You agree to notify us promptly if you change your\nname, address, telephone number or any other contact information. You also agree that\nif the U.S. Postal Service or one of its agents notifies us of a change in address for you,\n\n\x0cwe may change your address based on this information. We will have no liability to you\nfor changing your address based on such information, even if the information provided by\nthe U.S. Postal Service or one of its agents is in error. If any Statement is returned to us\nbecause of an incorrect address, we may stop sending Statements to you until a valid\naddress is provided to us, but for all purposes it shall be considered as if we made your\nStatement available to you as of the Statement date that was or would have been printed\non your Statement.\n25.\n\nTelephone Communication Monitoring and Contacting You: You agree that your\ntelephone communications with us or any of our representatives, affiliates or service\nproviders may be monitored, recorded and retained by any of them. You expressly\nconsent and authorize us, our representatives, affiliates, agents and service providers to\ncontact you at any telephone number you provide to us, in the application or otherwise,\nnow or in the future, or any number you have previously provided to us, or any of our\nrepresentatives, affiliates or service providers, using an auto dialer, pre-recorded\nmessages, or text messages, in order to provide alerts and other information regarding\nyour current or future applications and accounts for all products you have or may have\nwith us. Message and data rates may apply. You also expressly consent to TAB Bank,\nor any of its representatives, affiliates or service providers sending email messages\nregarding your Account to your email address, including emails delivered to a cell phone\nor mobile device. You agree that you will accept calls at your home, place of business or\non a mobile telephone regarding the Account. You understand that calls may be\nautomatically dialed and a message played; you understand and agree that these calls\nand messages may be read or listened to by anyone with access to your telephone or\nemail account, and that such calls are not "unsolicited calls" for purposes of any state or\nfederal law, and you expressly consent to receive such calls and messages. You agree\nthat we are not liable for any resulting breach of privacy or for any charges or costs you\nincur in connection with text messaging, emails or other communication that we or any of\nour representatives, affiliates or service providers may send you. You agree that this\nauthorization constitutes a bargained for exchange. To the extent you have the right under\napplicable law to revoke this authorization, you agree you may so only by writing to us at\nTAB Bank c/o Sunbit, PO Box 24010, Los Angeles, CA 90024 or support@sunbit.com.\n\n26.\n\nCommunications Under Federal Bankruptcy Code: Any communication with us\nrequired or permitted under the Federal Bankruptcy Code must be in writing, must include\nyour Account number, and must be sent to TAB Bank c/o Sunbit, PO Box 24010, Los\nAngeles, CA 90024.\n\n27.\n\nRewards, Special Programs and Benefits: We or Sunbit may offer from time to time\nrewards or special programs and benefits ("Programs") for Cardmembers. This\nAgreement will apply to these Programs except to the extent it is inconsistent with the\nspecific offer. The features of these Programs will vary and use of the Account under the\nterms of these Programs constitutes acceptance of the terms of the Programs without\nmodifying or amending this Agreement.\n\n28.\n\nGOVERNING LAW; CLASS ACTION WAIVER: THE TERMS AND ENFORCEMENT OF\nTHIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND\nINTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT\nSTATE LAW APPLIES, THE LAW OF THE STATE OF UTAH, WITHOUT REGARD TO\nCONFLICT-OF-LAW PRINCIPLES. THE LAW OF THE STATE OF UTAH, WHERE WE\nAND YOUR ACCOUNT ARE LOCATED AND FROM WHICH WE EXTEND CREDIT TO\nYOU, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. YOU\nEXPRESSLY WAIVE YOUR RIGHT TO INITIATE OR PARTICIPATE IN A CLASS\n\n\x0cACTION RELATED TO THIS AGREEMENT PURSUANT TO UTAH CODE ANN. \xc2\xa7 70C3-104.\n29.\n\nWaiver of Jury Trial: You acknowledge that the right to trial by jury is a\nconstitutional right but may be waived in certain circumstances. To the extent\npermitted by law, you knowingly and voluntarily waive any right to trial by jury in\nthe event of litigation arising out of or related to this Agreement. This jury trial\nwaiver shall not affect or be interpreted as modifying in any fashion the Arbitration\nProvision below, which has its own separate jury trial waiver. This waiver does not\napply if you are a Covered Borrower under the Military Lending Act at the time this\nAccount is originated.\n\n30.\n\nEnforceability: Subject to and except as otherwise provided in the Arbitration Provision,\nif any term of this Agreement is finally determined to be void or unenforceable by a court\nor government agency of competent jurisdiction, that term will continue to be enforceable\nto the extent allowed by such court of agency, and the remainder will no longer be a part\nof this Agreement. All other provisions of this Agreement will remain in effect.\n\n31.\n\nAgreement in Writing: This Agreement (including this Cardmember Agreement and the\nImportant Disclosures), is the final expression of the agreement between you and us and\nit may not be contradicted by evidence of an alleged oral agreement.\n\n32.\n\nUnsecured Line of Credit: Notwithstanding any language in any agreement to the\ncontrary, this Account and this Agreement, and your obligation to pay amounts due under\nthis Agreement, are not secured, and any security interest which might otherwise exist\nwith respect to the Account or Agreement is hereby waived by us.\n\n33.\n\nARBITRATION PROVISION:\nThis ARBITRATION PROVISION does not apply if you are a Covered Borrower under the\nMilitary Lending Act at the time this Account is opened.\nTo the extent permitted under federal law, you and we agree that either party may elect to\narbitrate \xe2\x80\x93 and require the other party to arbitrate \xe2\x80\x93 any Claim under the following terms.\nA.\n\nRIGHT TO REJECT: You may reject this Arbitration Provision by mailing a\npersonally signed rejection notice to TAB Bank c/o Sunbit, PO Box 24010, Los\nAngeles, CA 90024, certified mail, return receipt requested, within 60 days after\nyour receipt of the Card after your Account is opened. Any Rejection Notice must\ninclude your name, address, telephone number and Account number. No other\nperson may submit a rejection notice for you. If you send a rejection notice we will\ngive you a credit for the standard cost of a letter sent by certified mail. Rejecting\nthis Arbitration Provision will not affect any other provision of this Agreement.\n\nB.\n\nIMPORTANT WAIVERS: If you or we elect to arbitrate a Claim, YOU AND WE\nBOTH WAIVE THE RIGHT TO: (1) HAVE A COURT OR JURY DECIDE THE\nCLAIM; (2) PARTICIPATE IN A CLASS ACTION IN COURT OR IN\nARBITRATION, WHETHER AS A CLASS REPRESENTATIVE, CLASS\nMEMBER OR OTHERWISE; (3) ACT AS A PRIVATE ATTORNEY GENERAL IN\nCOURT OR IN ARBITRATION; OR (4) JOIN OR CONSOLIDATE CLAIM(S)\nWITH CLAIMS INVOLVING ANY OTHER PERSON IN COURT OR IN\nARBITRATION. Other rights are more limited in arbitration than in court or\nare not available in arbitration. The waivers in items (2)-(4) above are called\nthe "Class Action and Multi-Party Waivers." The arbitrator shall have no\nauthority to conduct any arbitration inconsistent with the Class Action and\n\n\x0cMulti-Party Waivers or to issue any relief that applies to any person or entity\nexcept you or us individually.\nC.\n\nDEFINITIONS: In this Arbitration Provision, the following definitions will apply:\n"You," "your" and "yours" mean all persons whom we approve to accept or use\nthe Account, and any person who agrees to be responsible for payment of the\nAccount, and the heirs, executors and assigns of all of the foregoing. "We," "us,"\n"our" and "ours" mean TAB Bank; Sunbit; and any servicer or any agent acting on\nbehalf of TAB Bank or Sunbit; all of their parents, wholly or majority owned\nsubsidiaries and other affiliates; any predecessors, successors, and assigns of\nthese entities; and all officers, directors, employees, agents, controlling persons\nand representatives thereof. These terms also include any party named as a codefendant with us in a Claim (as defined below) asserted by you, such as a credit\nreporting agency, a merchant accepting a credit card, a servicing company or a\ndebt collector. "Claimant" means the party who asserts or seeks to assert a Claim\nin a lawsuit or arbitration proceeding. "Administrator" means either the American\nArbitration Association (the "AAA"), 120 Broadway, Floor 21, New York, NY\n10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY\n10018, www.jamsadr.com, provided that, if the Claimant seeks to assert a Claim\nin a class or multi-party basis, the Administrator must not have in place a formal or\ninformal policy that is inconsistent with and purports to override the Class Action\nand Multi-Party Waivers set forth above (see the above Section B.). The Claimant\nwill select the Administrator by filing a Claim with the Administrator of that party\'s\nchoice. (If a Claimant files a lawsuit in court asserting Claim(s) that are subject to\narbitration and the other party files a motion to compel arbitration, which is granted,\nit will be up to the Claimant to commence the arbitration proceeding.) If for any\nreason the selected Administrator is unable or unwilling to serve or continue to\nserve as Administrator, the other company will serve as Administrator. If neither\nthe AAA nor JAMS is able or willing to serve as Administrator, you and we will\nmutually agree upon an Administrator or arbitrator, or the court will appoint the\nAdministrator or arbitrator or arbitrators (in the case of a three-arbitrator panel\nprovided for in Section H., below), subject to the limitations set forth above\nregarding the Class Action and Multi-Party Waivers.\n\nD.\n\nA "Claim" means any legal claim, dispute or controversy between you and us that\narises from or relates in any way to this Agreement, including, but not limited to,\nany dispute arising before the date of this Arbitration Provision and any dispute\nrelating to: (1) any Card; (2) your Account; (3) any transaction in your Account;\n(4) fees, charges or interest; (5) the events leading up to the Agreement (for\nexample, any disclosure, advertisement, application, solicitation, promotion or oral\nor written statement, warranty or representation made by us); (6) an application for\nor denial of credit; (7) credit reporting; (8) benefit programs related to your Account;\n(9) any product or service provided by or through us or third parties in connection\nwith the Agreement and any associated fees; (10) the collection of amounts due\nand the manner of collection; (11) our use or failure to protect any personal\ninformation you give us in connection with this Agreement; (12) enforcement of\nany and all of the obligations a party hereto may have to another party;\n(13) compliance with applicable laws and/or regulations; or (14) the relationships\nresulting from the Agreement or any of the foregoing. "Claim" has the broadest\npossible meaning. It includes initial claims, counterclaims, cross-claims, third-\n\n\x0cparty claims and federal, state, local and administrative claims and claims which\narose before the effective date of this Arbitration Provision. It also includes\ndisputes based upon contract, tort, consumer rights, fraud and other intentional\ntorts, constitution, statute, regulation, ordinance, common law and equity and\nclaims for money damages and injunctive or declaratory relief. However, "Claim"\ndoes not include any individual action brought by you in small claims court or your\nstate\'s equivalent court, unless such action is transferred, removed, or appealed\nto a different court. Also, "Claim" does not include disputes about the validity,\nenforceability, coverage or scope of this Arbitration Provision or any part\nthereof (including, without limitation, this sentence, the Class Action and\nMulti-Party Waivers or, subparts (A) and (B) of Section K. below, captioned\n"SEVERABILITY"); all such disputes are for a court and not an arbitrator to\ndecide. Notwithstanding the foregoing, the term "Claim" includes any\ndispute about the validity or enforceability of this Agreement, as a whole;\nany such Claim is for the arbitrator, not a court, to decide.\nE.\n\nELECTING OR REQUIRING ARBITRATION: The Claimant may elect arbitration\nof a Claim by initiating an arbitration in accordance with the Administrator\'s rules.\nThe other party may elect arbitration by giving written notice of an election to\narbitrate. This notice may be given after a lawsuit has been filed and may be given\nin papers or motions in the lawsuit. If such a notice is given, the Claim shall be\nresolved by arbitration under this Arbitration Provision and the applicable rules of\nthe Administrator then in effect. It will be up to the Claimant to commence the\narbitration proceeding. Even if all parties have opted to litigate a Claim in court,\nyou or we may elect arbitration with respect to any Claim made by a new party or\nany Claim later asserted by a party in that or any related or unrelated lawsuit\n(including a Claim initially asserted on an individual basis but modified to be\nasserted on a class, representative or multi-party basis). Nothing in that litigation\nshall constitute a waiver of any rights under this Arbitration Provision. The\narbitrator will be selected under the Administrator\'s rules, except that the arbitrator\nmust be a lawyer with at least ten years of experience or a retired judge, unless\nyou and we agree otherwise.\n\nF.\n\nLOCATION AND COSTS: Any arbitration hearing that you attend will take place\nin a location that is reasonably near your residence or in another location agreed\nto by you and us. We will consider (and generally honor) any good faith request\nto bear the fees charged by the Administrator and the arbitrator. We will pay the\nreasonable and actual expense of our attorneys, experts and witnesses,\nregardless of which party prevails in the arbitration, and we will pay all such\nreasonable and actual fees of yours if you prevail in an arbitration where you are\nthe Claimant (even if we are not required to pay such fees under applicable law).\nWe will also pay all such fees we are required to bear: (a) under applicable law; or\n(b) in order to enforce this Arbitration Provision.\n\nG.\n\nDISCOVERY; GETTING INFORMATION: Either party may obtain from the other\nparty prior to the hearing any information available under the Administrator\'s rules\nor any relevant information the arbitrator determines should in fairness be made\navailable.\n\nH.\n\nEFFECT OF ARBITRATION AWARD: Any state or federal court with jurisdiction\nand venue may enter an order enforcing this Arbitration Provision, enter judgment\n\n\x0cupon the arbitrator\'s award and/or take any action authorized under the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa71 et seq. (the "FAA"). For any arbitration-related\nproceedings in which courts are authorized to take actions under the FAA, each\nparty hereto expressly consents to the non-exclusive jurisdiction and venue of any\nstate court of general jurisdiction or any state court of equity that is reasonably\nconvenient to you, provided that the parties to any such judicial proceeding shall\nhave the right to initiate such proceeding in federal court or remove the proceeding\nto federal court if authorized to do so by applicable federal law. The arbitrator\'s\naward will be final and binding, except for: (1) any appeal right under the FAA; and\n(2) Claims involving more than $50,000. For Claims involving more than $50,000\n(including claims where the cost of any requested injunctive or declaratory relief\nwould potentially exceed $50,000), if permitted by the rules of the Administrator,\nany party may appeal the award to a three-arbitrator panel appointed by the\nAdministrator, which will reconsider de novo any aspect of the initial award that is\nappealed. The panel\'s decision will be final and binding, except for any appeal\nright under the FAA. Costs of any appeal will be governed by Section F. above.\nNo arbitration award involving the parties will have any preclusive effect as to\nissues or claims in any dispute involving anyone who is not a party to the\narbitration, nor will an arbitration award in prior disputes involving other parties\nhave preclusive effect in an arbitration between the parties to this Agreement.\nI.\n\nGOVERNING LAW: This Arbitration Provision is made pursuant to a transaction\ninvolving interstate commerce and shall be governed by the FAA, and not by any\nstate law concerning arbitration. The arbitrator shall follow applicable substantive\nlaw to the extent consistent with the FAA, applicable statutes of limitation and\napplicable privilege rules, and shall be authorized to award all remedies permitted\nby applicable substantive law, including, without limitation, compensatory,\nstatutory and punitive damages (subject to constitutional limits that would apply in\ncourt), declaratory, injunctive and other equitable relief, and attorneys\' fees and\ncosts. Upon the timely request of either party, the arbitrator shall write a brief\nexplanation of the basis of his or her award. The arbitrator will follow rules of\nprocedure and evidence consistent with the FAA, this Arbitration Provision and the\nAdministrator\'s rules.\n\nJ.\n\nSURVIVAL; PRIMACY: This Arbitration Provision shall survive your full payment\nof amounts due on your Account under the Agreement; termination or cancellation\nof the Agreement; our sale, assignment or transfer of the Agreement, the Account\nor any Account receivables; any legal proceeding to collect a debt owed by you;\nany bankruptcy or insolvency; and any postponement of payments, waiver of\npayments or modification granted pursuant to the Agreement. In the event of any\nconflict or inconsistency between this Arbitration Provision and the Administrator\'s\nrules or the Agreement, this Arbitration Provision will govern.\n\nK.\n\nSEVERABILITY: If any portion of this Arbitration Provision cannot be enforced,\nthe rest of the Arbitration Provision will continue to apply, except that (A) the entire\nArbitration Provision (other than this sentence) shall be null and void with respect\nto any Claim asserted on a class, representative or multi-party basis if the Class\nAction and Multi-Party Waivers are held to be invalid, subject to any right to appeal\nsuch holding, and (B) if a Claim is brought seeking public injunctive relief and a\ncourt determines that the restrictions in the Class Action and Multi-Party Waivers\nprohibiting the arbitrator from awarding relief on behalf of third parties are\n\n\x0cunenforceable with respect to such Claim (and that determination becomes final\nafter all appeals have been exhausted), the Claim for public injunctive relief will be\ndetermined in court and any individual Claims seeking monetary relief will be\narbitrated. In such a case the parties will request that the court stay the Claim for\npublic injunctive relief until the arbitration award pertaining to individual relief has\nbeen entered in court. In no event will a Claim for public injunctive relief be\narbitrated.\nL.\n\n34.\n\nNOTICE OF CLAIM; RIGHT TO RESOLVE; SPECIAL PAYMENT: Prior to\ninitiating, joining or participating in any judicial or arbitration proceeding, whether\nindividually, as a class representative or participant or otherwise, regarding any\nClaim, the Claimant shall give the other party written notice of the Claim (a "Claim\nNotice") and a reasonable opportunity, not less than 30 days, to resolve the Claim.\nAny Claim Notice you send must include your name, address, telephone number\nand Account number. Any Claim Notice must explain the nature of the Claim and\nthe relief that is demanded. You may only submit a Claim Notice on your own\nbehalf and not on behalf of any other party. The Claimant must reasonably\ncooperate in providing any information about the Claim that the other party\nreasonably requests. If: (i) you submit a Claim Notice in accordance with this\nparagraph on your own behalf (and not on behalf of any other party); (ii) we refuse\nto provide the relief you request before an arbitrator is appointed; and (iii) an\narbitrator subsequently determines that you were entitled to such relief (or greater\nrelief), the arbitrator shall award you at least $7,500 plus any arbitration fees and\nattorneys\' fees and costs to which you may be entitled under this Arbitration\nProvision or applicable law.\n\nBILLING RIGHTS SUMMARY\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing\nAct.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, write to us at: TAB Bank c/o Sunbit, PO\nBox 24010, Los Angeles, CA 90024. In your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill, describe what\nyou believe is wrong and why you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is scheduled, if you want\nto stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\n\n\x0cWhen we receive your letter, we must do two things:\n1.\n\nWithin 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n\n2.\n\nWithin 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in\nquestion along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those\norganizations 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\nyou question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD\nPURCHASES:\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\nThe purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these is necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n\n2.\n\nYou must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your credit\ncard Account do not qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\n\x0cIf all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing at:\nTAB Bank c/o Sunbit\nPO Box 24010, Los Angeles, CA 90024.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\n35.\n\nAdditional Disclosures\nIOWA, MISSOURI, NEBRASKA, AND TEXAS RESIDENTS ONLY: ORAL\nAGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR\nFORBEAR FROM ENFORCING REPAYMENT OF DEBT INCLUDING PROMISES TO\nEXTEND OR RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT YOU\nAND US FROM ANY MISUNDERSTANDING OR DISAPPOINTMENT, ANY\nAGREEMENTS WE REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS\nWRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE\nAGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO\nMODIFY IT.\nCALIFORNIA AND UTAH RESIDENTS: As required by California and Utah law, you are\nhereby notified that a negative credit report reflecting on your credit record may be\nsubmitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nNEW YORK, RHODE ISLAND AND VERMONT RESIDENTS: You understand and agree\nthat we may obtain a consumer credit report in connection with any updates, renewals or\nextensions of any credit as a result of your application and card membership. If you ask,\nyou will be informed whether or not such a report was obtained and, if so, the name and\naddress of the agency that furnished the report. You also understand and agree that we\nmay obtain a consumer credit report in connection with the review or collection of any\nextension of credit made to you or for other legitimate purposes related to such extension\nof credit.\nMARRIED WISCONSIN RESIDENTS: If you are married: (i) you confirm that this Account\nis being incurred in the interest of your marriage or family; (ii) no provision of any marital\nproperty agreement, unilateral statement, or court decree under the Wisconsin Marital\nProperty Act will adversely affect a creditor\'s interest unless, before the time credit is\ngranted, the creditor is furnished a copy of that agreement or decree or is given complete\ninformation about the agreement or decree; (iii) you understand and agree that we will\nprovide a copy of this Agreement to your spouse for his or her information. If the Account\nfor which you are applying is granted, you will notify us if you have a spouse by sending\nyour name and your spouse\'s name and address to us at TAB Bank c/o Sunbit, PO Box\n24010, Los Angeles, CA 90024.\n\n\x0c'