b'4/7/2021\n\nCard Holder Agreement\n\nWebBank DigniFi\nCredit Card Account Customer Agreement ("Agreement")\nPricing Information\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n27.99%\n\nAPR for Cash Advances\n\n27.99%\n\nPaying Interest\n\nYour due date is at least 25 days after the close\nof each Billing Cycle. We will not charge you\ninterest on Regular Credit Plan Purchases if\nyou pay your entire Regular Credit Plan\nbalance and the Minimum Payment due on all\nPromotional Credit Plans by the due date each\nmonth. We will begin charging interest, if any,\non Promotional Credit Plan Purchases on the\ntransaction date. Cash Advances will be\ntreated as Regular Credit Plan Purchases.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be\nno less than $2.00.\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0 or $59 based on your credit worthiness. See\nyou Important Disclosure Insert for the fee that\napplies to you Account.\n\nCash Advance Fee\n\nEither $10 or 4% of the amount of each cash\nadvance, whichever is greater.\n\nPenalty Fees\n\nLate Payment - Up to $39.00\nReturned Payment - Up to $39.00\n\nHow We Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (excluding new Regular Credit\nPlan Purchases).\xe2\x80\x9d If your Account is subject to a grace period during the billing cycle, payments made during that\nbilling cycle will be subtracted from your daily balances during that cycle. For additional information, see the\nhttps://app.dignifi.com/cardholder_agreement\n\n1/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\n\xe2\x80\x9cInterest Charges\xe2\x80\x9d section of the Agreement.\nBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in\nthe \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section of this Agreement.\n\nImportant Information\nAbout Procedures for Opening a New Account\n\nArbitration\nUnless you are a Military Lending Act Covered Borrower, this WebBank DigniFi Credit Card Account\nCustomer Agreement contains an Arbitration Provision. The Arbitration Provision is contained in\nSection 44. Please read the Arbitration Provision carefully. Unles you send us the rejection notice\ndescribed in the Arbitration Provision, the Arbitration Provision will apply to you.\n\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all\nfinancial institutions to obtain, verify, and record information that identifies each person who opens an account.\nWhat this means for you: When you open an account, we will ask for your name, address, date of birth, and other\ninformation that will allow us to identify you. We may also ask to see your driver\xe2\x80\x99s license or other identifying\ndocuments.\n\nImportant Information About Credit Reporting\nWe may report information about your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on your Account may be reflected in your credit report.\n\nState Specific Information\nNOTICE FOR CALIFORNIA RESIDENTS: Applicants may, after credit approval, use the credit card account up to\nits credit limit and be liable for amounts extended under the plan to any joint applicant. If you are married, you may\napply for credit in your own name.\nNOTICE FOR OHIO RESIDENTS: Ohio anti-discrimination laws require creditors to make credit equally available\nto all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals\nupon request. The Ohio Civil Rights Commission administers these laws.\nNOTICE FOR NEW YORK AND VERMONT RESIDENTS: WebBank may obtain at any time your credit reports,\nfor any legitimate purpose associated with the account or the application or request for an account, including but\nnot limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed\nif such a report was ordered. If so, you will be given the name and address of the consumer reporting agency\nfurnishing the report.\nNOTICE FOR NEW YORK RESIDENTS: New York residents may contact the New York State Department of\nFinancial Services by telephone or visit its website for free information on comparative credit card rates, fees and\ngrace periods. New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov.\nhttps://app.dignifi.com/cardholder_agreement\n\n2/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nNOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of any marital agreement, unilateral statement,\nor court order applying to marital property will adversely affect a creditor\xe2\x80\x99s interests unless prior to the time credit is\ngranted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge\nof the provision. If you are married, by submitting your credit card application you are confirming that this credit\ncard obligation is being incurred in the interest of your marriage and your family. If the credit card for which you are\napplying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has\nbeen extended to you.\nNOTICE FOR DELAWARE RESIDENTS: Service charges not in excess of those permitted by law will be charged\non the outstanding balances from month to month.\nPROGRAM TERMS: By applying for this Account issued by WebBank you understand that you may not be\napproved if you do not meet WebBank\xe2\x80\x99s credit criteria and other criteria, including but not limited to:\nYou are under the age of 18 on the date you submit your application for credit.\nYou reside in a state where financing is not offered under this Program.\nYour name, address and social security number do not match an existing credit bureau file.\nThe application is missing required information, or the information you provide cannot be verified\nAll credit is granted and all Accounts are owned by WebBank. This Account is subject to approval by\nWebBank.\n\nWebBank\nDigniFi Credit Card Account Customer Agreement\nSection 1. Credit Card Account Agreement\nThis WebBank DigniFi Credit Card Account Customer Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) is between you and WebBank, a\nUtah-chartered, FDIC insured bank having its principal office in Salt Lake City, UT. There are two parts to this\nAgreement: WebBank DigniFi Credit Card Account Pricing Information and the WebBank DigniFi Credit Card\nAccount Customer Agreement. WebBank will open an Account and issue a Card or Cards that may only be used\nfor auto repairs and auto-related products and services at approved service centers. By opening your Account,\nsigning your Card or using your Account, you agree to the terms of the Agreement with WebBank including any\nchanges, amendments or supplements to it.\nSection 2. Definitions.\nThe meanings of the capitalized terms used in the Agreement appear in the \xe2\x80\x9cGlossary\xe2\x80\x9d (Section 42 of this\nAgreement).\nAs used here, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each applicant and co-applicant approved on the Account; any person\nresponsible for paying the Account; any Authorized User; and any person responsible for complying with this\nAgreement. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cWebBank\xe2\x80\x9d mean WebBank.\nSection 3. Account Documents.\nThe following documents govern your Account with us:\n1. this Agreement;\n2. all Statements;\nhttps://app.dignifi.com/cardholder_agreement\n\n3/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\n3. any privacy Notices;\n4. all disclosures and materials provided to you before or when you opened you Account;\n5. any other documents and disclosures relating to your Account, such as those provided during the\napplication process at the dealer and when you use your Account including those regarding Promotional\nCredit Plans; and\n6. any future changes we make to any of the above.\nPlease read all of these carefully and keep them for future reference.\nSection 4. Account Information.\nWe need information about you to approve and manage your Account. This includes the information requested on\nyour application. You agree to tell us when this information changes and respond to our requests for information or\nadditional documents to verify any information. We may restrict or close your Account if we cannot verify your\ninformation, or if you do not provide it as requested.\nSection 5. Use and Sharing of Information About You.\nWhen you applied for an Account, you gave us, DigniFi and our/their affiliates information about yourself that we\ncould share with each other. DigniFi and its affiliates will use the information in connection with the credit program\nand for things like creating and updating its records and offering you special benefits. More information about how\nwe use and share information is set forth in the Privacy Notices for your Account which you receive with your\napplication package.\nSection 6. Credit Limits.\nWhen you open your Account, we will tell you your credit limit. This will also appear on your Statement. We may\nalso refer to your credit limit as your credit line.\nYou are responsible for keeping track of your balance and your available credit. You must manage your Account to\nremain below your credit limit. We may honor transactions above your credit limit, but if we do these transactions\nwill not increase your credit limit. You are responsible for paying for any transaction you make above your credit\nlimit.\nWe may also increase, decrease, restrict or cancel your credit limit at any time in accordance with applicable law.\nThis will not affect your obligation to pay us.\nSection 7. Using Your Account.\n1. This Agreement applies, whether or not you use your Card or Account. It will continue to apply even after\nyour Account is closed, as long as you have a balance.\n2. You must return the Card to us or destroy it if we ask you to.\n3. You must take reasonable steps to prevent the unauthorized use of your Card and Account.\n4. We may decline to authorize a transaction for any reason. This may occur even if the transaction would not\ncause you to go over your credit limit or your Account is not in default.\n5. We are not responsible for any losses you incur if we do not authorize a transaction.\n6. We are not responsible for any losses you incur if anyone refuses to accept your Card for any reason.\n7. You must not use, or try to use, the Card for any illegal activity. You are responsible for any charges if you\ndo.\n8. We are not liable for any losses that may result when our services are unavailable due to reasons beyond\nour control.\nSection 8. Promotional Credit Plans.\nFrom time to time, we may offer one or more Promotional Credit Plans for certain transactions prior to or at the\ntime of your Purchase. The terms of this Agreement apply to Promotional Credit Plans. However, the terms of the\npromotional offer and the special Promotional Credit Plan may be different from the standard terms of your\nhttps://app.dignifi.com/cardholder_agreement\n\n4/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nAccount and will be explained in other materials and disclosures provided to you in that offer. In general, Interest\nCharges for Promotional Credit Plans begin to accrue from the date of the promotional Purchase until paid in full,\nand there is no grace period to avoid Interest Charges on Promotional Credit Plans. You accept the promotional\nterms of those materials and disclosures when you make the Purchase. Only certain Purchases may be eligible for\nPromotional Credit Plans. The amount of your credit limit available for Promotional Credit Plans may be limited.\nOffers are subject to credit approval. These plans may have special interest terms, special repayment terms\n(including minimum payments) and a limited or specified promotion period when the special promotional terms\napply. Unless otherwise specified with respect to a Promotional Credit Plan, upon termination or expiration of the\npromotion period your Promotional Credit Plan terms will end, and all Regular Credit Plan terms will apply. Unless\notherwise provided in the materials and disclosures provided to you at the time you make your Purchase, only\nPurchases of $350.00 or more will be eligible for Promotional Credit Plans. Special Promotional Credit Plans are\nnot available at all times for all Purchases of $350.00 or more. Regular Purchases that are not subject to\nPromotional Credit Plan terms are part of your Regular Credit Plan. Please see any special promotional materials\nor disclosures for additional terms that will apply to the promotion offered.\nSection 9. Deferred Interest Promotions.\nFrom time to time, we may offer you the opportunity to enter into promotions that defer interest. This will be\ntreated as a special Promotional Credit Plan. When you make a Purchase under a deferred interest promotion, it\nwill be identified separately on your Statements. Each Statement will contain a summary of all deferred\ntransactions, including the unpaid principal balances, any accrued or assessed interest charges and the dates until\nwhich payments or interest charges are deferred. The special deferral terms apply to a transaction for a specified\nperiod of time, which we will call the \xe2\x80\x9cDeferral Period\xe2\x80\x9d. Following your consummation of a deferred transaction\ndeferred transaction, the Deferral Period will be disclosed to you. These special promotions are made available at\nour discretion, are subject to credit approval, are not available for all transactions and cannot be changed by\ncustomer request.\nYou must make minimum monthly payments on the deferred transactions during the Deferral Period. If you pay the\nentire deferred transaction in full on or before the last day of the Deferral Period, you pay no interest in connection\nwith your deferred transaction. However, interest on the deferred transaction will be charged to your Account at the\nmonthly periodic rate in effect each month from the date of transaction if the deferred transaction balance is not\npaid in full by the last day of the Deferral Period. During the Deferral Period, we include your deferred\ntransaction(s) when we calculate your minimum monthly payment and for purposes of determining your available\ncredit.\nSection 10. Cash Advances.\nYou may use your Account to obtain Cash Advances if your Account: (i) is not past due; and (ii) you have available\ncredit for Cash Advances, and their related Cash Advance Fees. Your total Cash Advance balance is subject to a\nmaximum balance limit of $2,000. You may request a Cash Advance only through the DigniFi customer portal. If\nqualified, the funds will be deposited directly into your bank account. Cash Advances deposited to your bank\naccount are conditional on our ability to verify your bank information. If we are unable to verify your bank account,\nyou will not be eligible to receive the Cash Advance. Cash Advances will be treated as Regular Credit Plan\nPurchases.\nSection 11. Reserved.\nSection 12. Joint Accounts.\nIf this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is\nresponsible even if the Account is used by only one of you. You will continue to be liable for the entire balance of\nthe Account, even if your joint accountholder is ordered by a court to pay us. Your Account status will be reported\nto the credit bureau under each of your names. The delivery of notices or Statements to either of you serves as\ndelivery to each of you. We may rely on instructions given by either of you. We are not liable to either of you for\nrelying upon such instructions.\nhttps://app.dignifi.com/cardholder_agreement\n\n5/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nSection 13. Authorized Users.\nIf you ask us to issue a Card to any person other than a joint account holder, they are an Authorized User. We may\nrequire certain information about them and you should let them know that you are sharing their information with us.\nWe may limit their ability to use your Card. They may have access to certain information about your Account. You\nwill be responsible for their use of the Account and anyone else they allow to use your Account, even if you did not\nwant, or agree to, that use. We may report information about your Authorized User(s) to consumer reporting\nagencies. See the \xe2\x80\x9cCredit Reports\xe2\x80\x9d section of this Agreement.\nSection 14. Removing an Authorized User.\nIf you want to remove an Authorized User from your Account, you must contact Customer Service at 1-844-3345107 and request their removal. You also must immediately destroy all Cards in their possession and cancel any\narrangements they may have set up on your Account. They will be able to use your Account until you have notified\nus that you are removing them from your Account. During this time, you will still be responsible for all amounts\nthey charge to your Account. You will be responsible even if these amounts do not appear on your Account until\nlater.\nSection 15. Your Promise to Pay.\nYou promise to pay us all amounts due on your Account. This includes amounts where you did not sign a\nPurchase slip or other documents for the transaction. We will treat transactions made without presenting your Card\n(such as for mail, telephone, Internet, or mobile device Purchases) the same as if you used the Card in person. If\nyou let someone else use your Card or Account, you are responsible for all transactions that person makes.\nSection 16. Statements.\nWe will send or make available to you one Statement for your Account at the end of each Billing Cycle. You must\nnotify us at P.O. Box 84010, Sioux Falls, SD 57118 or 1-844-334-5107 of a change in your address. Under certain\ncircumstances, the law may not require us to send or make available to you a Statement or may prohibit us from\ndoing so. In such circumstances, we may continue to add interest and fees as permitted by law.\nSection 17. Disputed Transactions.\nYou should inspect each Statement you receive and tell us about any errors or questions you have, as described\nin the \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d on your Statement and in this Agreement.\nIf we credit your Account for all or part of a disputed transaction, you give us all of your rights against others\nregarding that transaction. You will also:\n1. give us any information about the disputed transaction, if we ask;\n2. not pursue (or cease your current pursuit of) any claim or reimbursement of the transaction amount from the\nmerchant or any other person; and\n3. help us get reimbursement from others.\nSection 18. No Warranties.\nWe are not responsible for any claim you may have regarding the Purchase of goods or services made with your\nCard beyond your rights described in the \xe2\x80\x9cBilling Rights Summary\xe2\x80\x9d on your Statement and in this Agreement.\nSection 19. Lost or Stolen Card.\nIf your Card is lost or stolen or if you think someone else may be using your Card or Account without your\npermission, you must contact us at 1-844-334-5107 immediately. You will not be responsible for transactions on\nyour Account that we find are unauthorized.\nIf we reimburse you for unauthorized transactions, you will help us investigate, pursue and get reimbursement\nfrom the wrongdoer. Your help includes giving us documents in a form that we request.\nhttps://app.dignifi.com/cardholder_agreement\n\n6/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nSection 20. Interest Charges.\nWe use a method called Average Daily Balance (excluding new Regular Credit Plan Purchases) to calculate the\nInterest Charges.\n1. First, for each day in the Billing Cycle for each Credit Plan, we take the beginning balance (excluding any\naccrued Interest Charges not posted to the Account), add any new charges and Fees and subtract any\npayments and credits for each Credit Plan as described in the \xe2\x80\x9cHow We Apply Your Payments\xe2\x80\x9d Section of\nthis Agreement. The result is the daily balance for each Credit Plan.\n2. Next, for each Credit Plan, we add the daily balances together and divide the sum by the number of days in\nthe Billing Cycle. The result is the Average Daily Balance for each Credit Plan.\n3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each Credit Plan by the daily\nperiodic rate for that Credit Plan, and then we multiply the result by the number of days in the Billing Cycle.\n4. We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the\nBilling Cycle.\nFor purposes of the above calculations, accrued Interest Charges are added (posted) to the daily balance of each\nCredit Plan on the last day of the Billing Cycle. Fees are added to the Regular Credit Plan as part of the daily\nbalance on the day they are posted to the Account. Any Fees will be treated as a new Regular Credit Plan\nPurchase in the Billing Cycle it is assessed. For Regular Credit Plan Purchases, new Purchases become part of\nthe Account balance on the transaction date, but when we calculate daily balances for the purpose of computing\nInterest Charges, we do not add any new Purchases made during the Billing Cycle until the first day of the new\nBilling Cycle following the date of the Purchase. Due to rounding or a minimum Interest Charge, this calculation\nmay vary slightly from the Interest Charge actually assessed.\nThe daily periodic rate that is used to determine your Interest Charges for each Credit Plan is 1/365th of your\nAnnual Percentage Rate (APR) for each such Credit Plan.\nWe will charge the Interest Charges and Fees to your Account as disclosed in the Pricing Information section,\npromotional material or disclosure for Promotional Credit Plan Purchases and your Statement. If you paid your\nRegular Credit Plan balance in full and you made the Minimum Payment due on your Promotional Credit Plans by\nthe due date on your prior Statement, then (1) if you again pay your Regular Credit Plan balance in full and you\nmake the Minimum Payment due on your Promotional Credit Plans by the due date on your current Statement, we\nwill not charge you any new Interest Charges on new Purchases made under your Regular Credit Plan during the\ncurrent Billing Cycle, and (2) if you pay at least your Minimum Payment due for the current Billing Cycle but less\nthan the amount described in clause (1), we will treat your payment as if it was made on the first day of the current\nBilling Cycle when we calculate your Interest Charges on new Purchases made under your Regular Credit Plan.\nIn general, unless otherwise indicated in promotional terms, Interest Charges for Promotional Credit Plan\nPurchases begin to accrue from the date of the Purchase until paid in full, and there is no grace period to avoid\nInterest Charges on Promotional Credit Plans.\nWe may increase your Interest Charges and Fees as described in the \xe2\x80\x9cChanges to Your Agreement\xe2\x80\x9d section of this\nAgreement.\nIf we charge you interest, the charge will be no less than $2 and will be allocated among all Credit Plan balances\nthat accrue interest at our discretion.\nSection 21. Annual Fee.\nYour Pricing Information section will tell you if your Account is subject to an Annual Fee. We may charge you an\nAnnual Fee based on your creditworthiness. The Annual Fee is non-refundable and will be assessed when your\nAccount is opened and on an annual basis thereafter. Paying the annual fee does not limit our right to close the\nAccount or our right to limit your ability to transact under the Account. The Annual Fee will not be billed to your\nAccount after your Account is closed.\nhttps://app.dignifi.com/cardholder_agreement\n\n7/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nSection 22. Late Payment Fee.\nIf we do not receive payment from you in at least the amount of your Minimum Payment by the due date shown on\nyour monthly Statement, you will be charged a Late Payment Fee. The fee will be $28.00 if you did not incur a\nLate Payment Fee during any of the prior six billing periods; otherwise $39.00.\nSection 23. Returned Payment Fee.\nIf any check or other payment tendered in payment on your Account is returned unpaid for any reason, you will be\ncharged a Returned Payment Fee. The fee will be $28.00 if you did not incur a Returned Payment Fee during any\nof the prior six billing periods; otherwise $39.00.\nSection 24. Cash Advance Fee.\nEach time you obtain a Cash Advance, we will impose a Cash Advance Fee of $10.00 or 4% of the amount of\neach Cash Advance, whichever is greater.\nSection 25. Copy Fee.\nYou may request a copy of your monthly statement by calling 1-844-334-5107. If you request duplicates of any\nmonthly billing statement or other document, a copying charge of $3.00 per page may be imposed, unless the\nrequest is made in connection with a bona fide billing error dispute.\nSection 26. Minimum Payment.\nYou must pay at least the Minimum Payment due by the payment due date each month. The Minimum Payment\nfor your Account includes the minimum payment on each Credit Plan, including any Promotional Credit Plan with a\nspecial minimum payment calculation and your Regular Credit Plan.\nTo determine the total Minimum Payment due, we add together the following: (a) your Regular Credit Plan\nMinimum Payment, which is equal to the greater of (i) $20 or (ii) 3% of the total of your Regular Credit Plan\nPurchases balance plus any billed Interest Charges; (b) the Minimum Payment for each Promotional Credit Plan\nPurchase balance; (c) late payment fees and other fees and charges; and (d) any past due amount for any Credit\nPlan. We then round this total to the next highest dollar.\nYour Statement will tell you:\n1.\n2.\n3.\n4.\n\nthe Minimum Payment due,\nyour new balance,\nthe payment due date, and\nan explanation of when the payment must reach us for us to consider it received as of that date.\n\nReturns and other credits to your Account will reduce your Account balance, but they will not change your\nMinimum Payment amount.\nIf your Account is 150 days past due, is part of a bankruptcy proceeding, or is otherwise charged off, the total\nbalance is immediately due and payable.\nSection 27. Making Payments.\nYour payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. We do not\naccept any payments at dealer locations or cash payments.\nYou may not make payments with funds from your Account or any other credit account with us. You must send\nmailed payments to us as instructed on your Statement, unless we tell you otherwise.\nYou must mail all payment items (such as checks) (\xe2\x80\x9cItem(s)\xe2\x80\x9d) bearing restrictive words, conditions, limitations, or\nspecial instructions to: P.O. Box 84010, Sioux Falls, SD 57118. This includes Items marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or similar\nlanguage. This also includes all accompanying communications. If you make such a payment or send any\nhttps://app.dignifi.com/cardholder_agreement\n\n8/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\naccompanying communications to any other address, we may reject it and return it to you. We may also accept it\nand process it without losing any of our rights.\nSection 28. Other Payment Services.\nWe may make services available that allow you to make faster or recurring payments online or by telephone. We\nwill describe the terms for using these services and any applicable Fee before you use them. You do not have to\nuse these other payment services.\nWe are not responsible if your financial institution rejects a payment made using our payment services.\nIf you ask someone else to make a payment for you, we may provide that person with limited Account information\nnecessary to set up and process that payment. We may also refuse to accept that payment. If we do accept it, you\nwill be responsible for that payment even if a financial institution rejects it.\nSection 29. Payment Processing.\nWe may accept and process payments without losing any of our rights. Although we immediately credit your loan\npayment to the balance of your loan, we may hold your available credit until we confirm your payment cleared. We\nmay hold your available credit for up to 7 calendar days. We may resubmit and collect returned payments\nelectronically. If necessary, we may adjust your Account to correct errors, process returned and reversed\npayments, and handle similar issues.\nWhen you send us an Item as payment, you authorize us to make a one-time electronic funds transfer from your\ndeposit account. We may withdraw the funds from your deposit account as early as the same day we receive your\npayment. You will not receive your Item back from your bank. We will provide additional information about this\nprocess on your Statement.\nWe may use the information from an Item to create an electronic image. We may collect and return the image\nelectronically. This electronic image may also be converted to a substitute check and may be processed in the\nsame way we would process an Item. We are not responsible if an Item you provide has physical features that,\nwhen imaged, result in it not being processed as you intended.\nSection 30. How We Apply Your Payments.\nIn each Billing Cycle, we apply payments up to your Minimum Payment amount at our discretion. Unless otherwise\nprovided by applicable law, we apply any part of your payment exceeding your Minimum Payment amount to the\nCredit Plan balance with the highest APR, and any remaining portion to other Credit Plan balances in descending\norder based on the applicable APR. We do this based on the APRs in effect and balances owed on the day your\npreceding Billing Cycle ended. If more than one Credit Plan balance has the same APR, we will apply the payment\nto the oldest Credit Plan balance first.\nNotwithstanding the foregoing, during the two billing cycles immediately preceding expiration of any Promotional\nCredit Plan period, the excess payment amount will be allocated first to the applicable Promotional Credit Plan\nbalance(s) and then any remaining portion allocated to any other balances consistent with the process outlined\nabove in this section.\nSection 31. Credit Balances.\nWe may reject and return any payment that creates or adds to a credit balance on your Account. Any credit\nbalance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount\nof any credit balance by any new charges. We will make a good faith effort to refund any credit balance remaining\nin the account for more than six months; or, you may write to the address provided on your Statement or call us at\n1-844-334-5107 to request a refund of any available credit balance and we will issue a refund within thirty\nbusiness days.\nSection 32. Account Default.\nhttps://app.dignifi.com/cardholder_agreement\n\n9/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nYou will be in default if:\n1.\n2.\n3.\n4.\n\nyou do not make any payment when it is due;\nany payment you make is rejected, not paid or cannot be processed;\nyou file or become the subject of a bankruptcy or insolvency proceeding;\nyou are unable or unwilling to repay your obligations, including upon death or legally declared\nincapacity;\n5. we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to\ndefraud us; or\n6. you do not comply with any term of this Agreement or any other agreement with us.\nIf you are in default, we may take certain actions with respect to your Account. For example, depending on the\ndefault, we may take the following actions, without notifying you, unless the law says that we must give you notice:\n1. charge you Fees, as permitted under the Agreement;\n2. if so disclosed under a Promotional Credit Plan, terminate the special promotional terms and apply the\nterms that apply to Regular Credit Plan Purchases including changes to your APR and Minimum Payments;\n3. close or suspend your Account;\n4. lower your credit limit(s);\n5. demand that you immediately pay the total balance owing on your Account including all promotional\nbalances;\n6. continue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or\n7. file a lawsuit against you, or pursue another action that is not prohibited by law. If we file a lawsuit, you\nagree to pay our court costs, expenses and attorney fees, unless the law does not allow us to collect these\namounts.\nSection 33. Communications.\nYou agree that we may contact you at any phone number, email address or mailing address you provide to us,\nincluding mobile devices. You agree that from time to time we may monitor and record telephone calls made or\nreceived by us or our agents regarding your Account to assure the quality of our service. In order for us to service\nthe Account or to collect any amounts you may owe, and subject to applicable law, you agree that we may from\ntime to time make calls and send text messages to you using prerecorded/artificial voice messages or through the\nuse of an automatic dialing device at any telephone number you provide to us in connection with your Account at\nany time, including a mobile telephone number that could result in charges to you.\nSection 34. Credit Reports.\nWe may report information about your Account, including about you and any Authorized Users, to credit bureaus\nand others. Late payments, missed payments, or other defaults on your Account may be reflected in your credit\nreport. Information we provide may appear on your credit report.\nIf you believe that we have reported inaccurate information about your Account to a credit bureau or other\nconsumer reporting agency, notify us in writing at P.O. Box 84010, Sioux Falls, SD 57118. When you write, tell us\nthe specific information that you believe is incorrect and why you believe it is incorrect. We will research the issue\nand let you know if we agree or disagree with you. If we agree, we will contact each consumer reporting agency\nwe reported to and request a correction.\nWe may obtain and use credit, income and other information about you from credit bureaus and others as the law\nallows.\nSection 35. Closing or Suspending Your Account.\nYou may contact us at 1-844-334-5107 to ask us to close your Account.\nWe may close or suspend your Account at any time and for any reason permitted by law, even if you are not in\ndefault.\nhttps://app.dignifi.com/cardholder_agreement\n\n10/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nIf your Account is closed or suspended by either you or us for any reason, you must stop using your Card. If we\nclose or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all\namounts you owe on the Account, including any amounts that post to your Account after it is closed or suspended.\nSection 36. Changes to Your Agreement.\nAt any time, we may add, delete or change any term of this Agreement, unless the law prohibits us from doing so.\nWe will give you notice of any changes as required by law. We may notify you of changes on your Statement or in\na separate notice. Our notice will tell you when and how the changes will take effect. The notice will describe any\nrights you have in connection with the changes. If we increase your APR for any reason, or if we change your\nFees or other terms of your Account, we will notify you as required by law. You may not change this Agreement\nunless we agree to your change in writing.\nSection 37. The Law that Applies to Your Agreement.\nThis Agreement and your Account will be governed by federal law applicable to a FDIC-insured institution located\nin Utah and, to the extent permitted by law and not preempted by federal law, the law of the state of Utah, without\nregard to its choice of law provisions. You agree that this Agreement is entered into between you and us, and\nreceived by us, in Utah and we extend credit to you from Utah, whether or not you live in Utah. We will make the\ndecision whether to open an account for you based on criteria established in Utah.\nSection 38. Severability.\nIf any provision of this Agreement is determined to be void or unenforceable under any applicable law, rule or\nregulation, all other provisions of this Agreement will remain enforceable (except as specifically addressed in the\nArbitration provision).\nSection 39. Entire Agreement.\nThis Agreement is a final expression of the agreement between you and us and supersedes and may not be\ncontradicted by evidence of any prior or contemporaneous oral communication or understanding between you and\nus.\nSection 40. Waiver.\nWe will not lose any of our rights if we delay or choose not to take any action for any reason. We may waive our\nright without notifying you. For example, we may waive your Interest Charges or Fees without notifying you and\nwithout losing our right to charge them in the future.\nSection 41. Assignment.\nThis Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not sell,\nassign or transfer your Account or this Agreement to someone else without our written permission. We may sell,\nassign or transfer your Account and this Agreement including the receivables associated therewith and any of the\nrights and benefits of this Agreement without your permission and without prior notice to you. Any assignee or\nassignees will take our place under this Agreement. You must pay them and perform all of your obligations to them\nand not us. If you pay us after we notify you that we have transferred your Account or this Agreement, we can\nreturn the payment to you, forward the payment to the assignee, or handle it in another way that is reasonable.\nWe may also engage agents, authorized representatives, and other service providers, all of which may act for us\nunder this Agreement and rely on the rights given to us under this Agreement.\nSection 42. Glossary.\n"Account" means your DigniFi Credit Card Account with WebBank.\n"Annual Percentage Rate" means your interest rate stated as a yearly rate.\n\nhttps://app.dignifi.com/cardholder_agreement\n\n11/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\n"Billing Cycle" means the period of time reflected on a Statement. This period may vary in length but is\napproximately 30 days. You will have a Billing Cycle even if a Statement is not required. We will often specify a\nBilling Cycle by the month in which its closing date occurs. For example, a \xe2\x80\x9cMarch Billing Cycle\xe2\x80\x9d will have a closing\ndate in March. We may also refer to a Billing Cycle as a \xe2\x80\x9cBilling Period.\xe2\x80\x9d If your Account balance has charged off,\nwe may switch to quarterly Billing Cycles for your Account.\n"Card" means any WebBank credit card associated with your Account. This includes all renewals and\nsubstitutions. It also means any other access device for your Account we give you that allows you to obtain credit,\nincluding any Account number.\n"Credit Plans" mean the Promotional Credit Plans we offer from time to time and the Regular Credit Plan that\napplies to your Purchases and Cash Advances. The sum of your Credit Plan balances equals your total Account\nbalance.\n"Fees" mean charges imposed on your Account not based on the Annual Percentage Rates.\n"Interest Charges" mean any charges to your Account based on the application of Annual Percentage Rates.\n"Item" means a check, draft, money order or other negotiable instrument you use to pay your Account. This\nincludes any image of these instruments.\n"Minimum Payment" is the total of the minimum payments required for each Credit Plan and at least this amount\nmust be paid by the payment due date indicated on your Statement.\n"Promotional Credit Plans" are different parts of your Account we may establish for Purchases that are subject to\nspecial interest rates (APRs), pricing, repayment or other terms. Not all purchases are eligible for a Promotional\nCredit Plan and in order to qualify there may be a minimum purchase amount.\n"Purchase" a transaction using your Card to purchase goods or services from one who honors the Card; and (b)\nany other transaction, including a Cash Advance.\n"Regular Credit Plan" means the interest rate (APR), pricing, repayment terms and other terms included in this\nAgreement for Purchases that are not made under Promotional Credit Plans.\n"Statement" means a document showing important Account information, including all transactions billed to your\nAccount during a Billing Cycle and information about what you must pay. We may also refer to your Statement as a\n\xe2\x80\x9cPeriodic Statement\xe2\x80\x9d or a \xe2\x80\x9cBilling Statement.\xe2\x80\x9d\nSection 43. Military Lending Act Disclosure.\nThe federal Military Lending Act (\xe2\x80\x9cMLA\xe2\x80\x9d) provides important protections for certain members of the Armed Forces\nand their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d) relating to extensions of consumer credit. The following provisions of\nthis Section 43 apply only to Covered Borrowers.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable\nto the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application\nfees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nIn order to hear important disclosures and payment information about the account of a Covered Borrower, you may\ncall 1-844-334-5107.\nThe Arbitration Provision set forth in Section 44 of this Agreement does not apply if you are a Covered Borrower.\nSection 44. Arbitration.\nhttps://app.dignifi.com/cardholder_agreement\n\n12/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nRESOLUTION OF DISPUTES: THIS ARBITRATION PROVISION LIMITS YOUR RIGHTS IN THE EVENT OF A\nDISPUTE BETWEEN YOU AND US AND OTHERS UNLESS YOU ARE AN MLA COVERED BORROWER. YOU\nHAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW.\na. Either you or we may, at your or our sole election, require that the sole and exclusive forum and remedy for\nresolution of a Claim be final and binding arbitration pursuant to this section (the \xe2\x80\x9cArbitration Provision\xe2\x80\x9d),\nunless you opt out as provided in section (b) below. DigniFi (including its affiliates and dealers), or any\nsubsequent holder of this Agreement or any interest in your Account or any subsequent Purchaser, holder\nor assignee of any receivables arising under your Account (collectively, \xe2\x80\x9csubsequent holder\xe2\x80\x9d), may also elect\narbitration of any Claim as provided in this Arbitration Provision. As used in this Arbitration Provision,\n\xe2\x80\x9cClaim\xe2\x80\x9d shall include any past, present, or future claim, dispute, or controversy involving you (or persons\nclaiming through or connected with you), on the one hand, and us and/or DigniFi and/or any subsequent\nholder (or persons claiming through or connected with us and/or DigniFi and/or the subsequent holders), on\nthe other hand, relating to or arising out of your application for and origination of this Account, this\nAgreement, your Account, or the relationship between you and us, including (except to the extent provided\notherwise in the last sentence of section (f) below) the validity or enforceability of this Arbitration Provision,\nany part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise\nfrom contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or\notherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims,\nor otherwise. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is\nenforceable.\nb. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to P.O.\nBox 84010, Sioux Falls, SD 57118, which is received at the specified address within 30 days of the date that\nyou applied for an Account. The opt out notice must clearly state that you are rejecting arbitration; identify\nthe Account to which it applies by date; provide your name, address, and social security number; and be\nsigned by you. You may send an opt out notice in any manner you see fit as long as it is received at the\nspecified address within the specified time. No other methods can be used to opt out of this Arbitration\nProvision. If the opt out notice is sent on your behalf by a third party, such third party must include evidence\nof his or her authority to submit the opt out notice on your behalf.\nc. The party initiating arbitration shall do so with the American Arbitration Association (the \xe2\x80\x9cAAA\xe2\x80\x9d) or Judicial\nAlternatives and Mediation Services (\xe2\x80\x9cJAMS\xe2\x80\x9d). The arbitration shall be conducted according to, and the\nlocation of the arbitration shall be determined in accordance with, the rules and policies of the administrator\nselected, except to the extent the rules conflict with this Arbitration Provision or any applicable law. If you\nhave any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may\ncall 1(800) 778-7879 or visit the AAA\xe2\x80\x99s web site at: www.adr.org. If you have any questions concerning\nJAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit\ntheir web site at: www.jamsadr.com. In the case of a conflict between the rules and policies of the\nadministrator and this Arbitration Provision, this Arbitration Provision shall control, subject to applicable law,\nunless all parties to the arbitration consent to have the rules and policies of the administrator apply. In the\nevent that neither of the above named administrators is available, the party requesting arbitration may\nchoose an alternative arbitrator or arbitration provider.\nd. If we (or DigniFi or any subsequent holder) elect arbitration, we (or DigniFi or the subsequent holder, as the\ncase may be) shall pay all the administrator\xe2\x80\x99s filing costs and administrative fees (other than hearing fees). If\nyou elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in\naccordance with the rules of the administrator selected, or in accordance with applicable law if contrary to\nthe administrator\xe2\x80\x99s rules. We (or DigniFi or the subsequent holder, as the case may be) shall pay the\nadministrator\xe2\x80\x99s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day\nwill be paid by the party requesting the hearing, unless the administrator\xe2\x80\x99s rules or applicable law require\notherwise, or you request that we (or DigniFi or the subsequent holder) pay them and we agree (or DigniFi\nhttps://app.dignifi.com/cardholder_agreement\n\n13/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nor the subsequent holder agrees) to do so. Each party shall bear the expense of its own attorneys\xe2\x80\x99 fees,\nexcept as otherwise provided by applicable law. If a statute gives you the right to recover any of these fees,\nthese statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.\ne. Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a\nthree-arbitrator panel selected according to the rules of the arbitration administrator. In the event of such an\nappeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will\nreconsider de novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall\nbe governed by this Arbitration Provision and the administrator\xe2\x80\x99s rules, in the same way as the initial\narbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel\naward on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act\n(\xe2\x80\x9cFAA\xe2\x80\x9d), and may be entered as a judgment in any court of competent jurisdiction.\nf. We (and DigniFi and any subsequent holder) agree not to invoke our right to arbitrate an individual Claim\nyou may bring in Small Claims Court or an equivalent court, if any, so long as the Claim is pending only in\nthat court. We (or DigniFi or any subsequent holder) will not initiate an arbitration proceeding to collect a\ndebt from you unless you assert a Claim against us (or DigniFi or any subsequent holder). You may seek\narbitration in a proceeding to collect a debt. We (or DigniFi or any subsequent holder) may seek arbitration\nin a proceeding to collect a debt if you assert a Claim against us (or DigniFi or any subsequent holder). NO\nARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS\n(INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR\nCLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR\nCOULD HAVE BEEN ASSERTED) IN A COURT AS CLASS, REPRESENTATIVE, OR COLLECTIVE\nACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the\narbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or\nunrelated corporate entities in the same arbitration unless those persons are parties to a single transaction.\nUnless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the\nrights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall\nnot (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any\nClaim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone\nother than a named party. No administrator or arbitrator shall have the power or authority to waive, modify,\nor fail to enforce this section (f), and any attempt to do so, whether by rule, policy, arbitration decision or\notherwise, shall be invalid and unenforceable. Any challenge to the validity of this section (f) shall be\ndetermined exclusively by a court and not by the administrator or any arbitrator.\ng. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be\ngoverned by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the\nFAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief\npermitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The\narbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The\narbitrator shall take steps to reasonably protect confidential information.\nh. This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to\nthis Agreement and the relationship of the parties and/or DigniFi or a subsequent holder; (ii) the bankruptcy\nor insolvency of any party or other person; and (iii) any transfer of the Account or this Agreement, or any\ninterest in, or receivables arising under, the Account or this Agreement, to any other person or entity. If any\nportion of this Arbitration Provision other than section (f) is deemed invalid or unenforceable, the remaining\nportions of this Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought\non a class, representative, or collective basis, and the limitations on such proceedings in section (f) are\nfinally adjudicated pursuant to the last sentence of section (f) to be unenforceable, then no arbitration shall\n\nhttps://app.dignifi.com/cardholder_agreement\n\n14/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nbe had. In no event shall any such invalidation be deemed to authorize an arbitrator to determine Claims or\nmake awards beyond those authorized in this Arbitration Provision.\nTHE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT\nBEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION\nPURSUANT TO THIS ARBITRATION PROVISION. SUBJECT TO SECTION (b), THE PARTIES HEREBY\nKNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE\nA JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.\n\nYour Billing Rights\nKeep This Notice for Future Use: This notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement: If you think there is an error on your statement, write to\nus as soon as possible at: P.O. Box 84010, Sioux Falls, SD 57118.\nIn your letter, give us the following information:\nAccount information: Your name and account number.\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\nwhy you believe it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us at 1-844-334-5107 or notify us electronically at\nDigniFi@totalcardinc.com, but if you do, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if\nwe have already corrected the error.\n2. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we\ncorrected the error (to appear on your next statement) or the reasons we believe the bill is correct.\nWhile we investigate whether or not there has been an error, the following are true:\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 statement, and we may continue to charge you interest on that\namount.\nWhile you do not have to pay the amount in question until we send you a notice about the outcome of our\ninvestigation, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to\nthat amount.\nhttps://app.dignifi.com/cardholder_agreement\n\n15/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe, and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must\nlet 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\nyour 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\nin good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount\ndue 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,\nand the purchase price must have been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.);\n2. You must have used your credit card for the purchase. Purchases made with cash advances do not qualify;\nand\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at DigniFi,\nP.O. Box 84010, Sioux Falls, SD 57118.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may\nreport you as delinquent.\n\nAddendum to WebBank DigniFi\nCredit Card Account Customer Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d)\nThis addendum is a supplement to your WebBank DigniFi Credit Card Account Customer Agreement between you\nand WebBank. The Agreement and the terms of this Addendum are the full terms of your agreement.\nPromotion Terms\nThe six-month deferred interest promotional offer is available on all approved purchases of $350 or more using the\nDigniFi ExpressWay credit card. Your Deferral Period is 6 months from the date of purchase and is identified on\nyour billing statement as the Promotional Expiration Date. No interest will be charged on the promotional purchase\nif you pay the promotional purchase amount in full within the Deferral Period. If you do not, interest will be charged\non the promotional purchase from the purchase date.\nA Minimum Monthly Payment is required for the Applicable Term. The required minimum monthly payments will\nnot pay off the promotional purchase by the end of the Deferral Period. The minimum monthly payment amount is\nbased on an amortization schedule where the transaction amount will be paid in full by the end of the Applicable\nTerm if the minimum payment amount is paid timely and in full. Your minimum payment for your purchases will be\nhttps://app.dignifi.com/cardholder_agreement\n\n16/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nadded to any other minimum payments required on the account for other Promotional Credit Plans and Regular\nCredit Plan Purchases. Failure to make the Minimum Monthly Payment could result in possible late fees and\nnegative credit reporting.\nThe Minimum Monthly Payment is identified on your billing statement.\nThe Applicable Term is based on the purchase amount according to the following table:\nPurchase Amount\n\nApplicable Term\n\nAPR\n\n$350.00 to $650.00\n\n12 months\n\n27.99%\n\n$650.01 to $900.00\n\n18 months\n\n27.99%\n\n$900.01 to $1,100.00\n\n24 months\n\n27.99%\n\n$1,100.01 to $1,300.00\n\n30 months\n\n27.99%\n\n> $1,300.00\n\n36 months\n\n27.99%\n\nhttps://app.dignifi.com/cardholder_agreement\n\n17/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nMLA COVERED BORROWER\nAddendum to Cardholder Agreement\nDigniFi\nPO Box 7084\nBoulder, CO 80306-7084\n(855) 808-5861\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable\nto the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application\nfees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nTo receive this disclosure verbally over the phone, please call toll-free at 855.808.5861 to speak with a member of\nour Customer Care Department.\nThe arbitration addendum included in this cardholder agreement does not apply to an MLA covered borrower.\nNeither DigniFi nor WebBank will require an MLA covered borrower to submit to mandatory binding arbitration.\nDigniFi and/or WebBank will NOT:\nRequire the covered borrower to waive the right to legal recourse under any other state or federal law,\nincluding the Servicemembers Civil Relief Act;\nRequire the covered borrower to submit to arbitration or other burdensome legal notice provisions, in the\ncase of a dispute;\nDemand unreasonable notice from the borrower as a condition for legal action;\nRequire the covered borrower to establish an allotment to repay the obligation;\nProhibit the covered borrower from prepaying the consumer credit, or charge a prepayment penalty; or\nUse a check or other method of access to a deposit, savings, or other financial account maintained by the\ncovered borrower.\n\nhttps://app.dignifi.com/cardholder_agreement\n\n18/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nPRIVACY NOTICE STATEMENT\nRev: 08/2019\nFACTS\n\nWHAT DOES DIGNIFI DO WITH YOUR PERSONAL INFORMATION?\n\nWHY?\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing.\nFederal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand\nwhat we do.\n\nWHAT?\n\nThe types of personal information we collect, and share depend on the product or service you have with us. This information can include:\nSocial Security number and account transactions\nCredit history and credit scores\nIncome and employment information\nWhen you are no longer our customer, we continue to share your information as described in this notice.\n\nHOW?\n\nAll financial companies need to share customers\' personal information to run their everyday business. In the section below, we list the reasons\nfinancial companies can share their customers\' personal information; the reasons DigniFi chooses to share; and whether you can limit this sharing.\n\nReasons we can share your personal information\n\nDoes DigniFi\nshare?\n\nCan you limit this\nsharing?\n\nFor our everyday business purposes\xe2\x80\x94 to process your transactions, maintain your account(s), respond to court\norders and legal investigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposes\xe2\x80\x94 to offer our products and services to you\n\nYes\n\nNo\n\nFor joint marketing with other financial companies\n\nNo\n\nWe don\'t share\n\nFor our affiliates\' everyday business purposes\xe2\x80\x94 information about your transactions and experiences\n\nYes\n\nNo\n\nFor our affiliates\' everyday business purposes\xe2\x80\x94 information about your creditworthiness\n\nYes\n\nYes\n\nFor our affiliates to market to you\n\nNo\n\nWe don\'t share\n\nFor nonaffiliates to market to you\n\nNo\n\nWe don\'t share\n\nTo limit\nour\nsharing\n\nCall +1 (855) 808-5861 (tel:8558085861)\nEmail us: questions@dignifi.com (mailto:questions@dignifi.com)\nPlease note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no\nlonger our customer, we continue to share your information as described in this notice. However, you can contact us anytime to limit our sharing.\n\nQuestions?\n\nCall +1 (855) 808-5861 (tel:8558085861) or visit www.dignifi.com\n\nhttps://app.dignifi.com/cardholder_agreement\n\n19/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nWho We Are\nWho is providing this notice?\n\nDigniFi and its affiliates as listed below.\n\nWhat We Do\nHow does DigniFi protect my personal\ninformation?\n\nTo protect your personal information from unauthorized access and use, we use security measures that\ncomply with federal law. These measures include computer safeguards and secured files and buildings.\nAdditionally, DigniFi requires and trains its employees to comply with its privacy standards and policies,\nwhich are designed to protect customer information.\n\nHow does DigniFi collect my personal\ninformation?\n\nWe collect your personal information, for example, when you\nApply for a loan\nOpen an account\nProvide employment information\nGive us your income information\nGive us your contact information\nWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\n\nWhy can\'t I limit all sharing?\n\nFederal law gives you the right to limit only\nSharing for affiliates\' everyday business purposes \xe2\x80\x94 information about your creditworthiness\nAffiliates from using your information to market to you\nSharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit sharing. See below for more on\nyour rights under state law.\n\nWhat happens when I limit sharing for an\naccount I hold jointly with someone else?\n\nYour choices will apply to everyone on your account - unless you tell us otherwise.\n\nDefinitions\nAffiliates\n\nCompanies related by common ownership or control. They can be financial and nonfinancial companies.\nOur affiliates include companies with a DigniFi name such as\nDigniFi Servicing, Inc.\nDigniFi Technologies, Inc.\nDigniFi, Inc.\nDigniFi Holdings, Inc.\n\nNonaffiliates\n\nCompanies not related by common ownership or control. They can be financial and nonfinancial companies.\nDigniFi does not share with nonaffiliates so they can market to you.\n\nJoint Marketing\n\nA formal agreement between nonaffiliated financial companies that together market financial products or services to you.\nDigniFi does not jointly market.\n\nOther Important Information\nCalifornia Residents: Except as permitted by law or if you give us your permission, we will not share information we collect about you with nonaffiliates or\naffiliates. Please see the notice titled "Important Privacy Choices for Consumers."\nNevada Residents: If you prefer not to receive marketing calls from us, you may call +1 (855) 808-5861 (tel:8558085861) to be placed on our Do Not Call\nList. For more information, mail DigniFi 4772 Walnut St, Ste 200, Boulder, CO 80301 or visit www.dignifi.com. You may also contact the Bureau of Consumer\nProtection, Office of the Nevada Attorney General, 555 E Washington St., Suite 3900, Las Vegas, NV 89101, call 702-486-3132, or email\nBCPINFO@ag.state.nv.us (mailto: BCPINFO@ag.state.nv.us). This notice is provided pursuant to state law.\nVermont Residents: Except as permitted by law or if you give us your permission, we will not share information we collect about you with nonaffiliates or\naffiliates.\n\nhttps://app.dignifi.com/cardholder_agreement\n\n20/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nFACTS\n\nWHAT DOES WEBBANK DO WITH YOUR PERSONAL INFORMATION?\n\nRev: 08/2019\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing.\nFederal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand\nwhat we do.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or service you have with us. This information can include:\nSocial Security number and account transactions\nCredit history and credit scores\nIncome and employment information\nWhen you are no longer our customer, we continue to share your information as described in this notice.\n\nHow?\n\nAll financial companies need to share customers\' personal information to run their everyday business. In the section below, we list the reasons\nfinancial companies can share their customers\' personal information; the reasons WebBank chooses to share; and whether you can limit this\nsharing.\n\nReasons we can share your personal information\n\nDoes\nWebBank\nshare?\n\nCan you limit\nthis sharing?\n\nFor our everyday business purposes\xe2\x80\x94 such as to process your transactions, maintain your account(s), respond to\ncourt orders and legal investigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposes\xe2\x80\x94 to offer our products and services to you\n\nYes\n\nNo\n\nFor joint marketing with other financial companies\n\nNo\n\nWe don\'t share\n\nFor our affiliates\' everyday business purposes\xe2\x80\x94 information about your creditworthiness\n\nNo\n\nWe don\'t share\n\nFor our affiliates to market to you\n\nNo\n\nWe don\'t share\n\nFor nonaffiliates to market to you\n\nNo\n\nWe don\'t share\n\nQuestions?\n\nCall +1 (855) 808-5861 (tel:8558085861) or go to www.dignifi.com\n\nhttps://app.dignifi.com/cardholder_agreement\n\n21/22\n\n\x0c4/7/2021\n\nCard Holder Agreement\n\nWhat we do\nHow does WebBank protect\nmy personal information?\n\nTo protect your personal information from unauthorized access and use, we use security measures that comply with\nfederal law. These measures include computer safeguards and secured files and buildings.\n\nHow does WebBank collect my\npersonal information?\n\nWe collect your personal information, for example, when you\napply for a loan or give us your income information\ntell us where to send the money or provide employment information\nshow us your government-issued ID\nWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\n\nWhy can\'t I limit all sharing?\n\nFederal law gives you the right to limit only\nSharing for affiliates\' everyday business purposes \xe2\x80\x94 information about your creditworthiness\nAffiliates from using your information to market to you\nSharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights\nunder state law.\n\nDefinitions\nAffiliates\n\nCompanies related by common ownership or control. They can be financial and nonfinancial companies.\nWebBank does not share with our affiliates.\n\nNonaffiliates\n\nCompanies not related by common ownership or control. They can be financial and nonfinancial companies.\nWebBank does not share with nonaffiliates so they can market to you.\n\nJoint marketing\n\nA formal agreement between nonaffiliated financial companies that together market financial products or services to you.\nWebBank does not jointly market.\n\nDigniFi and Plaid Technologies, Inc\nClient uses Plaid Technologies, Inc. ("Plaid") to gather End User\'s data from financial institutions. By using our service, you grant Client and Plaid the right,\npower, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to\nyour personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy. (https://plaid.com/legal)\n\nOther important information\nNotice to Vermont Residents\nWe will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information,\ncredit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to\nmake those disclosures.\nAdditional information concerning our privacy policies can be found at www.dignifi.com or call +1 (855) 808-5861 (tel:8558085861).\nNotice to California Residents\nIf you live in California, we will not share information about you (1) with our affiliates for their own purposes or (2) for joint marketing with other Financial\ncompanies.\n\nhttps://app.dignifi.com/cardholder_agreement\n\n22/22\n\n\x0c'