b'APPLICATION FOR CREDIT\n\nValid from 01.31.2019 thru 07.31.2019\n\n350BVSFBE3\n\nAfter submitting the application, please fax this document immediately to 800-215-8360 or mail to PO Box 708670, Sandy, UT 84070\nFor help processing the application, please call 800-548-5545.\n\nPRINT YOUR NAME\n\nFIRST\n\nMIDDLE\n\nLAST\n\nDOB MM/DD/YYYY\n\nSocial Security Number\n\nPrimary Phone # with Area Code\n\nWe will use the contact information you provide to us. You consent to us contacting you using all channels of communication and for all purposes.\nThis may include text messages, automatic telephone dialing systems and/or an artificial or prerecorded voice. This consent applies even if you are\ncharged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carrier when\nwe contact you.\nPhysical Address\n\nCity or Town\n\nState Zip\n\nMailing Address if different than Physical\n\nCity of Town State Zip\n\nEmployment & Financial Information \xe2\x80\x93\nAlimony, child support or separate maintenance need not be revealed if you do not wish to\nhave it considered as a basis for repaying this obligation\nTotal Net Monthly Income\n\nResidential Status (select one)\nRENT\n\nEmployer Name\n\nOTHER\n\nYEARS\n\nFIRST\n\nMIDDLE\n\nMonthly Rent or Mortgage\n\nMONTHS\n\nEmployer Phone # with Area Code\n\nInformation Regarding Co-Applicant\nPRINT YOUR NAME\n\nMORTGAGE\n\nTime at current address\n\nEmail Address (optional)\n\n(When you furnish Co-Applicant information and sign below, you indicate your intent to apply for joint credit)\nDOB MM/DD/YYYY\n\nLAST\n\nSocial Security Number\n\nPrimary Phone # with Area Code\n\nWe will use the contact information you provide to us. You consent to us contacting you using all channels of communication and for all purposes.\nThis may include text messages, automatic telephone dialing systems and/or an artificial or prerecorded voice. This consent applies even if you are\ncharged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carrier when\nwe contact you.\nPhysical Address\n\nCity or Town\n\nState Zip\n\nEmployer Name\n\nMailing Address if different than Physical\n\nEmployer Phone # with Area Code\n\nCity of Town State Zip\n\nEmail Address (optional)\n\nCo-Applicant Alimony, child support or separate maintenance need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. If you\napply with a joint applicant, each of you will be jointly and individually responsible for obligations under the agreement and by signing below; you each agree that you\nintend to apply for joint credit.\nTotal Net Monthly Income\n\nResidential Status (select one)\nRENT\n\nMORTGAGE\n\nTime at current address\n\nMonthly Rent or Mortgage\n\nOTHER\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT \xe2\x80\x93 To help the government fight the funding of terrorism and\nmoney laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens\nan account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow\nus to identify you. We may also ask to see your driver\xe2\x80\x99s license or other identifying documents.\nPLEASE SIGN THIS FORM FOR AUTHORIZATION: By signing below, each Applicant and Co-Applicant shown above (\xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d) agrees that:\n(1) the information provided in this application is true, correct, and complete; (2) you are requesting that First Electronic Bank issue a HELPcard\ncredit card to you; (3) you are a U.S. resident at least 18 years old; (4) you authorize First Electronic Bank, its designated service provider\n(HC Processing Center), and its assigns to investigate and verify your creditworthiness (including your employment and salary information);\n(5) you authorize First Electronic Bank, HC Processing Center, and its assigns, to obtain consumer reports about you in connection with this\ncredit application and for the purposes of updating, reviewing, servicing, and collecting any credit card account you may receive as a result of this\napplication; and (6) upon your request, you will be informed whether your consumer report was requested and provided with the name and address\nof any consumer reporting agency that furnished a consumer report about you.\nTRUTH IN LENDING DISCLOSURE Do not sign without reading. The information about the costs of the card described in this application is accurate as\nof January 2019 This information may have changed after that date. To find out what may have changed call us at 877-486-3442, or write to\nHC Processing Center, P.O. Box 708670, Sandy, UT 84070.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nIf you are married, you can still apply for a separate account in your own name. If you are married and reside in a community property state the assets\nof your marital community may be liable on this account even if you apply for an individual account and this application is not signed by your spouse\n(unless you mail a signed statement to HC Processing Center that you wish to apply for a separate account based solely on your separate assets).\nNew York: Residents may contact the New York Department of Financial Services at 877-226-5697 to obtain a comparative listing of credit card rates,\nfees and grace periods.\nOhio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\nWisconsin Residents: No provision of a marital property agreement, a unilateral statement, or a court decree adversely affects the interest of the\ncreditor, unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge\nof the adverse provision when the obligation to the creditor is incurred. If I am a married Wisconsin resident and my spouse is not applying with me for\na joint account, I agree to send the name and address of my spouse to HC Processing Center, Attn: Credit Card Care, PO Box 708670, Sandy, UT 84070-8670\nwithin 15 days after I submit my application, so that my spouse may receive account information required by Wisconsin law\n350BVSFBE3\nPrint Applicant Name\nSignature of Applicant\n\nPrint Co-Applicant Name\nDate\n\nSignature of Co-Applicant\n\nDate\n\n\x0cTerms & Conditions\n\nTRUTH IN LENDING DISCLOSURE: The information about the costs of the card described in this application is accurate as of January 2019. This\ninformation may have changed after that date. To find out what may have changed, call us at 877-486-3442 or write to: HC Processing Center, P.O.\nBox 708670, Sandy, UT 84070.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n29.99% This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date and no Previous Balance\nexisted.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.00.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fees\n\n$59\n\nPenalty Fees:\n\xe2\x80\xa2 Late fee\n\xe2\x80\xa2 Returned payment fee\n\nUp to $39\nUp to $39\n\nHow We Calculate Your Balance Subject to Interest Rate: We use a method called \xe2\x80\x9cDaily Balance (Including Current Transactions).\xe2\x80\x9d See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nCARDHOLDER AGREEMENT\nThis Cardholder Agreement contains the general terms and conditions that will govern your credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d), and the credit card\nwe issue for Account access (the \xe2\x80\x9cCard\xe2\x80\x9d), if we approve your application for an Account. The Account application you signed or otherwise submitted\nto us (including its federal and state notices), and any written materials we may provide with your Card or as a supplement or amendment to this\nCardholder Agreement, are part of and incorporated into this Cardholder Agreement by reference (together, our \xe2\x80\x9cAgreement\xe2\x80\x9d with you).\nIn this Agreement, the words "you" and "your" mean each applicant (as an individual) and all applicants (as a group) shown on the Account\napplication, and anyone else you authorize or permit to use your Account. The words "we," "us," and "our," mean First Electronic Bank, the financial\ninstitution that provides the Account and issues the Cards, and its assigns and successors. When the Agreement states that we \xe2\x80\x9cmay\xe2\x80\x9d take an\naction, this means that we are allowed and have the sole discretion to take that action, subject only to any limitations or notices expressly required by\nlaw or this Agreement. You accept and agree to be bound by all terms and conditions in this Agreement, including its arbitration provision,\nthe first time any of you use your Account.\nOral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or\nreview such debt, are not enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or disappointment, any agreements we\nreach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we\nmay later agree in writing to modify it.\n1. USE OF CARD: Subject to the terms and conditions in the Agreement, you may use your Account to purchase goods and services from the\nmerchants and providers (each, a \xe2\x80\x9cParticipant\xe2\x80\x9d) that have agreed to participate in the credit card program we provide with assistance from Dent-AMed, Inc. d/b/a HC Processing Center. Before you attempt or agree to use the Account and Card to purchase any goods or services on credit from a\nParticipant, you must notify the Participant that you intend to charge your purchase to your Card and obtain the Participant\xe2\x80\x99s approval for the Card\npurchase. We will not extend Account credit to you for any purchase, unless you notified and obtained approval from a Participant for that purchase.\nWe will not be liable to you if a participant or any merchant refuses to honor your Account and Card for any purchase. The Participant will prepare\nand submit a charge slip to us for Account purchases or submit an Account charge to us electronically for payment.\n\nPage 1 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0c2. ACCOUNT BILLING STATEMENTS AND NOTICES; ADDRESS ON FILE: If you have a credit or debit balance on the Account of $1 or more at\nthe end of any billing period, we will send a periodic Account statement (a \xe2\x80\x9cbill\xe2\x80\x9d) showing what you owe us as of the end of that billing period. We\nmay not send you a bill, however, if we have decided your Account is uncollectible, if we have sent the Account for collection proceedings against\nyou, or if the law does not require or permit us to send the bill. The billing period is the fixed period of time covered by the bill we send you. Each bill\nthat we send will identify the billing period that it covers. The bill will show your new charges, including interest and fees, and any payments that\nposted to your Account during that period. It will also show you the minimum payment you must make to us by the due date shown on the bill. You\nagree to examine each bill and notify us immediately of any item you may dispute. The billing error rights notice in this Agreement and on your bills\nprovides more information about how you may notify us about any disputed items or billing errors. We will mail or deliver your bill only to one\naddress.\nIf your Account is a joint Account or more than one person is permitted to use the Account, you agree that we may send all Account bills and other\nAccount notices solely to your address on file, as shown in our billing records. Your address on file is the address you provided in your Account\napplication, unless: (a) we have received and processed a notice of a change in address that you provided in accordance with this Agreement or\nyour most recent bill; or (b) we are notified by the U.S. Postal Service of an address correction for you and we decide, in good faith, to rely on the\naddress correction notice we receive from the Postal Service. You agree to notify us immediately of any change in your mailing address, telephone\nnumbers, or other contact information, such as your email addresses.\n3. BALANCE CATEGORIES: We put each charge on your Account, including interest and fees, into a balance category. We use the different\nbalances to calculate the correct interest charges on your Account. If any type of charge is subject to a separate promotional interest rate, deferred\ninterest, and/or reduced or deferred payment requirements (each, a \xe2\x80\x9cPromotional Balance\xe2\x80\x9d) we will put the Promotional Balance into a separate\nbalance for the time period you qualify for the special promotional terms (\xe2\x80\x9cPromotional Terms\xe2\x80\x9d).\n4. AUTHORIZED USERS AND AUTHORIZED CHARGES: If you give your Card or Account number to another person, he or she is an authorized\nuser. An authorized charge is any charge you or any authorized user makes on the Account, and any fees and interest charges owing on the\nAccount. Any charge made by an authorized user is an authorized charge. This is true even if you told the authorized user not to make that specific\ncharge. A charge will still be authorized, even if it causes your Account to exceed its credit limit, is an illegal transaction, or is made after your\nAccount is closed. An authorized charge can be made over the telephone, in person, on the Internet, or in any other way your Account can be used.\n5. PAYMENTS\nA. Promise to Pay: You agree to pay all authorized charges on each bill, including interest and fees. You agree to pay us for any charges that we\nallow over your Account credit limit. You promise to pay at least the minimum payment by the due date shown on each bill.\nB. Payment Due Date; Payment Requirements: The due date is the date by which we must receive your payment for it to be on time. Your bill lists\nthe due date, which will fall on the same calendar day of the month. Your due date will be at least 21 days from the date we send you the bill and at\nleast 25 days from the end of the most recently ended billing period. To be on time, we must receive your payment on or before the due date at the\nplace and by the time stated on your bill. Unless a bill states a different place for payments, your payments must be sent to: HC Processing Center,\nP.O. Box 268808, Oklahoma City, OK 73126 (regular mail); or HC Processing Center, 380 Data Drive, Suite 200, Draper, UT 84020 (overnight\ncourier). Unless a bill states a different time, your payment is on time if we receive it by 5:00 p.m. Central Time on the due date. This 5:00 p.m.\ndeadline is measured by the time zone in which we receive the payment, which may not be your time zone. If we do not receive or accept payments\nby mail on the due date, your payment will be on time if it is received by the next day that we accept or receive payments by mail.\nYou must pay in U.S. dollars. You must not pay in cash. Your payment must be drawn on a U.S. deposit account or by a cashier\xe2\x80\x99s check drawn on a\nU.S. bank or a foreign bank branch in the U.S. You must not attach or include any restrictive language to your payment. Any check or money order\nyou send that has restrictive words, conditions, limitations, or special instructions to us, including those marked with words \xe2\x80\x9cpaid in full\xe2\x80\x9d\nor similar language, must be mailed to: HC Processing Center, P.O. Box 708670, Sandy, UT 84070. If you make payments in a paper form\n(such as check, money order, or cashier\xe2\x80\x99s check), you must include the payment coupon from your bill or write your Account number on the\npayment. If we decide, in our discretion, to accept a form of payment that does not meet these payment instructions, you agree that we are not\nwaiving our right to require you to make or continue making payments that comply with these instructions and are otherwise required by the\nAgreement. The credit available on your Account will be increased by the amount of your payment within 14 days after we receive your payment.\nYou can also make a Payment or set up automatic payments by calling 1-877-486-3442. Automatic payments for the billing period shown on your\nstatement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement,\nunless you request a recurring payment date that occurs before your Payment Due Date. If your scheduled payment date falls on a Sunday or\nbank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments\nby telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of your social\nsecurity number as your electronic signature. By providing those numbers, you will be agreeing to the authorization to allow us and your bank to\ndeduct each authorized payment, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to\nyour bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-877486-3442 or by mail at HC Processing Center, PO Box 708670, Sandy, UT 84070; payment cancellations must be received before 5 PM CT of the\nscheduled withdrawal date.\n\nPage 2 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cC. Minimum Payment: The bill we send to you will state your due date and the minimum amount you must pay by that due date (your \xe2\x80\x9cminimum\npayment\xe2\x80\x9d or the \xe2\x80\x9cminimum payment due\xe2\x80\x9d in this Agreement and on your bill). If you do not pay the minimum payment by its due date, we may charge\nyou a late payment fee. You will also be in breach of this Agreement. You may pay all or part of your Account balance at any time. However, for each\nbill, you must pay at least the minimum payment by the due date stated on the bill. If any Promotional Terms apply that modify the payment\nrequirements with respect to a Promotional Balance, then those Promotional Terms will explain how we determine the minimum payment due with\nrespect to these Promotional Balances.\nAs of the end of the billing period covered by the bill, we start by determining the amount that is the greater of: (i) the full unpaid balance of your\nAccount, if this is less than $25.00; (ii) $25.00, if the balance is at least $25.00; (iii) 3.5% of the Highest Balance (excluding any Promotional\nBalances whose Promotional Terms make those Promotional Balances subject to different payment requirements). Then, we determine the\nminimum payment due for any Promotional Balances whose Promotional Terms modify the payment requirements for these Promotional Balances;\nor (iv) the sum of 1.0% of the Highest Balance (excluding any Promotional Balances whose Promotional Terms make those Promotional Balances\nsubject to different payment requirements), plus all interest charges, late payment fees, and returned payment fees then due for the Account. Then,\nwe determine whether there are any Account payments that are past due or balances that exceed the credit limit of your Account. Finally, we\ncalculate your minimum payment due by adding together all the amounts described in this paragraph and rounding the result up to the nearest whole\ndollar. If you pay more than the minimum payment due after the end of any billing period, you must still pay at least the minimum payment due after\nthe end of each billing period after that.\nD. Payment Allocation: We choose which Account balances to pay with your minimum payment. We generally apply payments above the minimum\npayment to balances with the highest APRs first, except that we may apply the part of your payment that exceeds the minimum payment first to any\ndeferred interest balances during the last two billing periods of a deferred interest period.\n6. TYPES OF CHARGES: There are two types of charges or \xe2\x80\x9cPlans\xe2\x80\x9d under your Account: you may make a purchase on (a) the Regular Plan or (b) a\nPromotional Plan. The standard provisions of this Agreement apply to all Promotional Plan transactions unless otherwise specified prior to or at the\ntime of purchase under a particular Promotional Plan offering, and will continue to apply to any and all transactions that are not subject to a\nPromotional Plan. The following Promotional Plan may be offered from time to time as specified prior to or at the time of purchase: Deferred Interest\n(a) Monthly Payment Plan \xe2\x80\x93 If you pay the full cash sales price of the purchase by the promotional due date, as indicated on your billing\nstatement, and pay the Minimum Payment Due when due each billing cycle, as indicated on your billing statement, no interest charges will\nbe imposed on the purchase. If such payments are not so made, interest charges will be imposed from the purchase date. (b) Reduced\nInterest Monthly Payment Plan \xe2\x80\x93 If you pay the full cash sales price of the purchase by the promotional due date, as indicated on your\nbilling statement, and pay the Minimum Payment Due when due each billing cycle, as indicated on your billing statement, reduced interest\ncharges will be imposed on the purchase. If such payments are not made, the fully indexed APR will be imposed from the default date\nforward.\n7. INTEREST RATES AND INTEREST CHARGES:\nA. APRs Applied to Different Balances: The \xe2\x80\x9cannual percentage rate\xe2\x80\x9d or \xe2\x80\x9cAPR\xe2\x80\x9d is an annualized interest rate. We use the APR that applies to each\nbalance to calculate the interest charges that you owe us on the Account. Different APRs may apply to different balances on your Account, such as\npurchases subject to the standard APR and any qualifying purchases we may allow you to make subject to deferred interest or a promotional APR.\nB. Variable APRs: All your Account APRs are variable, unless we specifically state that a non-variable APR applies in connection with a deferred\ninterest or promotional APR program. Variable APRs increase or decrease based on changes in the Prime Rate. For the Prime Rate, we use the\nU.S. Prime Rate that The Wall Street Journal publishes on the Friday that follows the last Thursday of each month (the \xe2\x80\x9cDetermination Date\xe2\x80\x9d). If The\nWall Street Journal no longer publishes a Prime Rate, we will use a similar published rate that we choose as a substitute. Any increase or decrease\nto a variable APR based on a change in the Prime Rate will apply to your Account balances and purchases as of the first day of the billing period that\nbegins after a Determination Date. Any increase in an APR that applies to your Account may cause an increase to your minimum required monthly\npayment.\nC. Standard APR: We determine your standard APR by adding a margin of 24.49 percentage points to the Prime Rate. Currently, the standard APR\nof 29.99% applies to your account (corresponding to a Daily Periodic Rate of 0.082164%).\nD. Use of Daily Balance Method with Compounding: We calculate the interest charge on your account by applying the \xe2\x80\x9cdaily periodic rate\xe2\x80\x9d for\nthat balance to the \xe2\x80\x9cdaily balance\xe2\x80\x9d of that balance. We do this for each day in the billing period and add together the resulting interest charges. That\ngives us the total interest charges for that balance for that billing period. You agree that we may round interest charges to the nearest cent.\nThe \xe2\x80\x9cdaily periodic rate\xe2\x80\x9d is a daily interest rate. The daily periodic rate for a given balance is equal to the APR for that balance divided by 365.\nWe calculate the \xe2\x80\x9cdaily balance\xe2\x80\x9d for each balance. We do this by starting with the beginning amount of that balance for each day. We add any new\npurchases and Account fees for that day, add any interest on the previous daily balance if there is one in that billing period, and subtract any\npayments or credits. This gives us the \xe2\x80\x9cdaily balance.\xe2\x80\x9d The addition of the prior day\xe2\x80\x99s interest to the daily balance calculation causes interest to\ncompound daily. We add all Account fees and minimum interest charges to the daily balance of purchases subject to the standard APR. Any daily\nbalance that is less than zero will be treated as zero. Each \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d shown on your bill will be an average of the daily\nbalances during the billing period for that balance.\n\nPage 3 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cE. When Interest Charges Begin; Grace Period: The \xe2\x80\x9cNew Balance\xe2\x80\x9d of your Account is the full unpaid balance of your Account that is outstanding\nas of the end of each billing period covered by each bill. As long as you continue to pay the New Balance every month by the due date listed on your\nbill, there will be a grace period on your Account purchases and we will not charge interest on those purchases. If you do not pay by the due date the\nNew Balance that is outstanding as of the end of a given billing period, there will be no grace period and you will owe interest on the unpaid Account\nbalances from the end of that billing period. After the end of that billing period, all charges will accrue interest from the date they were made. To take\nadvantage of the grace period again, you must pay your New Balance in full, make no new purchases, and pay on time for as much as two billing\nperiods in a row.\nF. Minimum Interest Charges: You must pay a minimum of $2.00 of interest after any billing period in which you owe any interest charges.\n8. FEES:\nA. Annual Fee: In the first billing period your Account has a purchase, we will charge a $59.00 annual fee to your Account. Thereafter you will be\ncharged this annual fee on or about the anniversary of the first charge to your Account (your \xe2\x80\x9cAnniversary Date\xe2\x80\x9d), so long as your account has an\nunpaid balance or remains open for new purchases. We will notify you about this annual fee before each Anniversary Date. Our notice will explain\nwhen and how you may close your Account to future purchases and pay the full unpaid balance if you do not want to be charged this annual fee on\nan Anniversary Date.\nB. Returned Payment Fee: If your payment is returned unpaid to us for any reason, we will charge up to a $28.00 returned payment fee to your\nAccount. If your payments are returned unpaid more than once during any six-month period, we will charge up to a $39.00 returned payment fee to\nyour Account. After that, your returned payment fee will not return to $28.00 until you make Account payments required by the Agreement that are\npaid in full for six consecutive months.\nC. Late Payment Fee: If you do not pay at least the minimum payment due by its due date, we will charge a $28.00 late payment fee to your\nAccount. If you do not pay the minimum payments due by their due dates more than once during any six-month period, we will charge a $39.00 late\npayment fee to your Account. After that, your late payment fee will not return to $28.00, until you make at least the minimum payment due by its due\ndate for six consecutive months.\nD. Additional Account Fees: We will charge additional fees to your Account for certain services that you may request in connection with your\nAccount. The additional fees we may charge to your Account for Account services include, but are not limited to, the following: a $10.00 per page fee\nfor copies of documents unrelated to a billing error; a $5.00 fee to issue a replacement Card; a $9.95 expedited payment fee each time you request\nexpedited assistance from our live customer service representative or agent to make an automated payment of your Account; and a $15.00\nexpedited service fee each time you request expedited assistance from us for reasons other than completing an Account payment (for example, to\nrequest an Account balance or payoff letter from us within three business days). You may contact us at 877-486-3442 at any time with questions\nabout these and other Account services, or to request a schedule of other Account fees that we may require for particular services that are not listed\nhere.\n9. CREDIT LIMIT: We will establish a credit limit for your Account. We may increase or decrease your Credit Line without notice. We may delay\nincreasing your available credit by the amount of any payment that we receive for up to 14 days. You agree that you will not use or permit others\nto use your Account to obtain credit if it would cause the outstanding balance of your Account to exceed its credit limit. However, we may, at our\noption, without waiving any of our rights, permit charges to your Account, even if those charges would cause your outstanding Account balance to\nexceed its credit limit. We will not assess a fee if we elect to honor charges that cause your Account to exceed its credit limit.\n10. ENTIRE BALANCE DUE: If you break your promises under this Agreement, you understand and agree that we may demand that you pay the\nentire outstanding balance of your Account at once, subject to any legally required notices and limitations of applicable law. We may also do this if\nyou made any false or misleading statements on your application, if you become insolvent or are subject to bankruptcy proceedings, or if you die, to\nthe extent permitted by and in accordance with applicable law.\n11. COLLECTION COSTS: To the extent permitted by law, you promise to pay all the costs we incur to collect your Account, including reasonable\nand allowable attorney\xe2\x80\x99s fees.\n12. JOINT ACCOUNTS: If this is a joint Account, each of you is responsible as an individual and all of you are responsible as a group for all amounts\nthat are owed in connection with the Account. Each of you is responsible, even if the Account is used by only one of you. You will continue to be\nliable for the entire balance of the Account, even if your co-applicant or co-borrower is ordered by a court to pay us. You will remain liable to us if\nyour co-applicant or co-borrower fails to pay as ordered by the court. Your Account status will continue to be reported to the credit bureau under\neach of your names. The delivery of Account notices or bills to any of you serves as delivery of those notices and bills to all of you. We may rely on\nand comply with instructions given by any of you with respect to the Account. We are not liable to any of you for relying on or complying with\ninstructions given by any of you.\n13. NOTICES, CHANGES OF ACCOUNT INFORMATION, AND METHODS OF CONTACT: If we need to contact you to service your Account or to\ncollect amounts you owe us, you authorize us (and our affiliates, agents, and contractors) to contact you at any number (i) you have provided to us, (ii)\nfrom which you called us, or (iii)at which we believe we can contact you. . We may obtain address corrections from the U.S. Postal Service and\ntelephone numbers and other contact information from third party sources. You also authorize us to send emails to an email address at which we\nhave reason to believe you can be reached. You consent to us, as well as any other owner or servicer of your account, contacting you through any\n\nPage 4 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cchannel of communication and for any purpose, as permitted by applicable law. For informational, servicing or collection related communications,\nyou agree that we may use the phone numbers that you provide to us, or numbers from which you called us, to contact your cellular phone or\nwireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system. This consent\napplies even if you are charged for the call under your phone plan. You are responsible for any charges that may be billed to you by your\ncommunications carriers when we contact you.\n14. TELEPHONE MONITORING: You agree that we (and our affiliates, agents, and contractors) may monitor or record any calls between you and us.\n15. INVALIDITY: If one or more provisions of the Agreement are declared invalid or unenforceable by a court or arbitrator with jurisdiction, you and\nwe agree that the remaining conditions and terms will not be affected.\n16. CHANGING OUR AGREEMENT: Subject to notice requirements and limitations of applicable law, we may change the terms of this Agreement\nat any time, and the new terms that apply to your Account will take effect on the day we specify. If the law requires us to notify you in a certain way,\nor limit the effect of any change in Account or Agreement terms, we will comply.\n17. AUTHORIZATION FOR RELEASE OF CREDIT INFORMATION: We may report information about your Account to credit bureaus. Late\npayments, missed payments, or other defaults on your Account may be reflected in your credit report. Tell us if you think we reported wrong\ninformation about you to a credit bureau. Write to us at HC Processing Center, P.O. Box 708670, Sandy, UT 84070. Tell us what information is\nwrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy.\n18. ASSIGNMENT: We have the right to assign and transfer any amounts you owe us in connection with the Account and any of our rights under this\nAgreement. We assign this Agreement if we sell or pass to a third party any or all our rights or obligations under the Agreement, including any\namount that you owe under the Agreement. Depending on what we may assign, any party to which we assign this Agreement will enjoy all our rights\nunder the Agreement, including the contractual rights to collect amounts you owe on the Account. You cannot assign or transfer this Agreement or\nany of your rights or duties to anyone else.\n19. LOST OR STOLEN; LIABILITY FOR UNAUTHORIZED USE: If you notice the loss or theft of your Card or a possible unauthorized use of your\nCard, you should write to us immediately at HC Processing Center, P.O. Box 708670, Sandy, UT 84070, or call us at 877-486-3442. You will not be\nliable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us.\nIn any case, your liability will not exceed $50.\n20. RESPONSIBILITY FOR GOODS OR SERVICES: We are not responsible for goods or services you purchase using your Account except to the\nextent required by applicable law.\n21. REFUNDS FOR GOODS OR SERVICES: Refunds for goods and services are governed by Participant. Any refunds for goods or services\npurchased from a Participant through an extension of credit on your Account will be issued as a credit adjustment to your Account.\n22. CANCELLATION: We may cancel, suspend, or not renew your Account at any time without notice. Specifically, inactivity for 12 months may\nresult in cancellation. If cancelled, you promise to destroy all Cards immediately. We may terminate or modify all or any part of your Card\nprivileges at any time. You have the right to close your Account to future purchases at any time, if you send a written cancellation notice to: HC\nProcessing Center, P.O. Box 708670, Sandy, UT 84070. Even if you close your Account to future purchases, you must pay all outstanding\namounts on the Account and your Account will remain subject to interest and fees as provided in this Agreement until it is paid in full.\n23. INFORMATION SHARING: You authorize us to share information about you as permitted by law. This includes information we get from you and\nothers. It also includes information about your transactions with us. Please see our Privacy Notice for details about our information sharing practices.\n24. GOVERNING LAW: This Agreement and all transactions under it will be governed by the laws of the State of Utah, which are expressly adopted\nto control all Account transactions, without regard to choice-of-law principles.\n25. ARBITRATION: THIS PROVISION WILL NOT APPLY TO YOUR ACCOUNT IF YOU ARE A \xe2\x80\x9cCOVERED BORROWER\xe2\x80\x9d AS DEFINED IN THE\nMILITARY LENDING ACT. All OTHERS, PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL\nAPPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS\nMEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE\nIN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE\nLIMITED.\nA. What claims (including initial claims, counterclaims, cross-claims, and third-party claims) are subject to arbitration:\ni. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you or any other user of your account,\nand us, our affiliates, agents and/or dealers/merchants/retailers that accept the card or program sponsors if it relates to your account, except as\nnoted in this section below.\nii. We will not require you to arbitrate: any individual case in small claims court or your state\xe2\x80\x99s equivalent court, as long as it remains an individual\ncase in that court.\n\nPage 5 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0ciii. Notwithstanding any other language in this section, only a court, not an arbitrator, will decide disputes about the validity, enforceability, coverage\nor scope of this section or any part thereof (including, without limitation, the next paragraph of this section and/or this sentence). However, any\ndispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide.\nB. NO CLASS ACTIONS: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION\nAGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS (INCLUDING INITIAL CLAIMS, COUNTERCLAIMS,\nCROSS-CLAIMS AND THIRD-PARTY CLAIMS) AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER\nON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE\nARBITRATION WITH ANY CLAIM YOU HAVE.\nIf a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and\nthe court\xe2\x80\x99s determination shall be subject to appeal. This paragraph does not apply to any lawsuit or administrative proceeding filed against us by a\nstate or federal government agency even when such agency is seeking relief on behalf of a class of borrowers, including you. This means that we\nwill not have the right to compel arbitration of any claim brought by such an agency.\nC. How to start an arbitration, and the arbitration process\ni. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed in\nthe lawsuit. Otherwise, your notice must be sent to HC Processing Center, P.O. Box 708670, Sandy, UT 84070, ATTN: ARBITRATION DEMAND.\nThe party seeking arbitration must select an arbitration administrator, which can be either the American Arbitration Association (AAA), 1633\nBroadway, 10th Floor, New York, NY 10019, www.adr.org, (800) 778-7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018,\nwww.jamsadr.com, (800) 352-5267. If neither administrator is able or willing to handle the dispute, then the court will appoint an arbitrator.\nii. If a party files a lawsuit in court asserting claim(s) that are subject to arbitration and the other party files a motion with the court to compel\narbitration, which is granted, it will be the responsibility of the party asserting the claim(s) to commence the arbitration proceeding.\niii. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least 10\nyears of legal experience. Once appointed, the arbitrator must apply the same law and legal principles, consistent with the Federal Arbitration Act\n(FAA), that would apply in court, but may use different procedural rules. If the administrator\xe2\x80\x99s rules conflict with this Agreement, this Agreement will\ncontrol.\niv. The arbitration will take place by phone or at a reasonably convenient location. We will always pay arbitration costs, as well as your legal fees and\ncosts, to the extent you prevail on claims you assert against us in an arbitration proceeding which you have commenced.\nD. Governing Law for Arbitration\nThis Arbitration section of your Agreement is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA. The\narbitrator\xe2\x80\x99s decision will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the\narbitrator\xe2\x80\x99s award.\nE. Pre-Dispute Resolution Procedure\nBefore you or we bring any dispute or claim, the complaining party shall give the defending party: (i) a claim notice providing at least 30 days\xe2\x80\x99 written\nnotice of the claim and explaining in reasonable detail the nature of the claim and any supporting facts; and (ii) a reasonable, good-faith opportunity\nto resolve the claim on an individual basis without the necessity of any proceeding. If you are the complaining party, you must send any claim notice\nto us at HC Processing Center, Legal Department, P.O. Box 708670, Sandy, UT 84070. If we are the complaining party, we will send the claim\nnotice to you at your address appearing in our records or, if you are represented by an attorney, to your attorney at his or her office address. If the\ncomplaining party and the defending party do not reach an agreement to resolve the claim within 30 days after the claim notice is received, the\ncomplaining party may commence an arbitration subject to the terms of this Arbitration section of your Agreement. No settlement demand or\nsettlement offer may be used in any proceeding as evidence or as an admission of any liability or damages.\nF. Special Payment\nIf: (i) you submit a claim notice in an arbitration on your own behalf (and not on behalf of any other party) and comply with all the requirements of this\nArbitration section of your Agreement; (ii) we refuse to provide you with the money damages you request; and (iii) the arbitrator issues you an award\nthat is greater than the latest money damages you requested at least 10 days before the date the arbitrator was selected, then we will pay you the\namount of the award or $7,500, whichever is greater, in addition to the attorneys\' fees and expenses (including expert witness fees and costs) to\nwhich you are otherwise entitled. We encourage you to include all claims you have in a single claim notice and/or a single arbitration. Accordingly,\nthis $7,500 minimum award is a single award that applies to all claims you have asserted or could have asserted in the arbitration, and multiple\nawards of $7,500 are not contemplated under this Arbitration section of your Agreement.\nG. TO REJECT THIS SECTION:\nYou may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim. To\nreject this section, you must send us a notice within 60 days after you open your account or we first provided you with your right to reject\nthis section. The notice must include your name, address and account number, and must be mailed to HC Processing Center, Legal\nDepartment, P.O. Box 708670, Sandy, UT 84070. This is the only way you can reject this section.\n\nPage 6 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0c26. NOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS: The following disclosures apply to you if you open your\nAccount on or after October 3, 2017 and, at the time your account is opened, you are a \xe2\x80\x9ccovered borrower\xe2\x80\x9d as defined in the Military Lending Act,\nwhich includes eligible active duty members of the Armed Forces and their dependents:\n1. The provision in the Cardholder Agreement called \xe2\x80\x9cArbitration\xe2\x80\x9d will not apply to your Account\n2. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\n3. You can call 800-548-5545, select option 1, to hear the information in item 2 (above) and a description of the payment obligation for your Account.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement:\nIf you think there is an error on your statement, write to us at: HC Processing Center, P.O. Box 708970, Sandy, UT 84070.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least three business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must\nnotify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1. If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n2. If we do not believe there was a mistake: You must pay the amount in question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all the rules\nabove, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all the following must be\ntrue:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\n3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us in\nwriting at: HC Processing Center, P.O. Box 708970, Sandy, UT 84070. While we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\nPage 7 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cDent-A-Med, Inc. Privacy Policy\nJune 2017\nFACTS\nWhy?\n\nWhat?\n\nWHAT DOES DENT-A-MED, INC. d/b/a HC PROCESSING CENTER (\xe2\x80\x9cHC PROCESSING\xe2\x80\x9d) DO WITH\nYOUR PERSONAL INFORMATION?\nFinancial companies choose how they share your personal information. Federal law gives consumers the\nright to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and\nprotect your personal information. Please read this notice carefully to understand what we do.\nThe types of personal information we collect and share depend on the product or service you have\nwith us. This information can include:\n- Social Security Number and income.\n- Account balances and payment.\n- Credit history and credit scores.\nWhen you are no longer our customer, we continue to share your information as described in this\nnotice.\n\nHow?\n\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their everyday business. In\nthe section below, we list the reasons financial companies can share their customers\xe2\x80\x99 personal\ninformation; the reasons HC Processing Center chooses to share; and whether you can limit this sharing.\n\nReasons we can share your personal information\n\nDoes HC Processing share?\n\nCan you limit this sharing?\n\nFor our everyday business purposessuch as to process your transactions, maintain your account(s),\nrespond to court orders and legal investigations, or report to credit\nbureaus.\n\nYes\n\nNo\n\nFor our marketing purposesto offer our products and services to you.\n\nYes\n\nNo\n\nFor joint marketing with other financial companies\n\nNo\n\nWe don\xe2\x80\x99t share\n\nFor our affiliates\xe2\x80\x99 everyday business purposesinformation about your transactions and experiences.\n\nYes\n\nNo\n\nFor our affiliates\xe2\x80\x99 everyday business purposesinformation about your creditworthiness.\n\nYes\n\nYes\n\nFor our affiliates to market to you\n\nYes\n\nYes\n\nFor nonaffiliates to market to you\n\nNo\n\nWe don\xe2\x80\x99t share\n\nTo limit our sharing\n\nCall 1-877-486-3442. Please note: If you are a new customer, we can begin sharing your information\n30 days from the date we sent this notice. When you are no longer our customer, we continue to share\nyour information as described in this notice. However, you can contact us at any time to limit our\nsharing.\n\nQuestions?\n\nCall 1-877-486-3442\n\nPage 8 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cPrivacy Policy Continued\nWho we are\nWho is providing this notice?\n\nHC Processing Center.\n\nWhat we do\nHow does HC Processing protect my personal information?\n\nHow does HC Processing collect my personal information?\n\nWhy can\xe2\x80\x99t I limit all sharing?\n\nTo protect your personal information from unauthorized access\nand use, we use security measures that comply with federal law.\nThese measures include computer safeguards and secured files\nand buildings.\nWe collect your personal information, for example, when you:\n-Apply for a loan or open an account.\n-Give us your contact information or pay your bills.\n-Use your credit card.\nWe also collect your personal information from others, such as\ncredit bureaus, affiliates, or other companies.\nFederal law gives you the right to limit only\n-Sharing for affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93 information\nabout your creditworthiness.\n-Affiliates from using your information to market to you.\n-Sharing for nonaffiliates to market to you.\nState laws and individual companies may give you additional\nrights to limit sharing. See below for more on your rights under\nstate law.\n\nDefinitions\n\nAffiliates\n\nNonaffiliates\n\nJoint Marketing\n\nCompanies related by common ownership or control. They can\nbe financial and nonfinancial companies.\n-Our affiliates include Aaron\xe2\x80\x99s, Inc. and its subsidiaries, including\nProg Leasing, LLC.\nCompanies not related by common ownership or control. They\ncan be financial and nonfinancial companies.\n-HC Processing does not share with nonaffiliates so they can\nmarket to you.\nA formal agreement between nonaffiliated financial companies\nthat together market financial products or services to you.\n- HC Processing does not jointly market.\n\nOther Important Information\nFor Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by\nVermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your\ncreditworthiness with our affiliates except with your authorization.\nFor California Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by\nCalifornia law, such as to process your transactions or to maintain your account.\nFor All Customers: For our everyday business purposes, we may share your personal information with the merchants and\nproviders where you use your Account and their related companies. You cannot limit this sharing.\n\nPage 9 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cFirst Electronic Bank Privacy Policy Rev. June 2013\n\nFACTS\n\nWHAT DOES FIRST ELECTRONIC BANK DO\nWITH YOUR PERSONAL INFORMATION?\n\nWhy?\n\nFinancial companies choose how they share your\npersonal information. Federal law gives\nconsumers the right to limit some but not all\nsharing. Federal law also requires us to tell you\nhow we collect, share, and protect your personal\ninformation. Please read this notice carefully to\nunderstand what we do.\n\nWhat?\n\nThe types of personal information we collect and\nshare depend on the product or service you have\nwith us. The information can include:\n\xe2\x96\xaa Social Security number and income\n\xe2\x96\xaa account balances and payment history\n\xe2\x96\xaa credit history and credit scores\nWhen you are no longer our customer, we\ncontinue to share your information as described\nin this notice.\n\nHow?\n\nAll financial companies need to share customers\'\npersonal information to run their everyday\nbusiness. In the section below, we list the\nreasons financial companies can share their\ncustomers\' personal information; the reasons\nFirst Electronic Bank chooses to share; and\nwhether you can limit this sharing.\nDoes\nFirst\nElectronic\nBank\nshare?\n\nCan you limit this\nsharing?\n\nFor our everyday business purposes - such as to process your\ntransactions, maintain your account(s), respond to orders and legal\ninvestigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposes - to offer our products and services to\nyou\n\nYes\n\nNo\n\nFor joint marketing with other financial companies\n\nNo\n\nWe do not share\n\nFor our affiliates\' everyday business purposes - information\nabout your transactions and experiences\n\nYes\n\nNo\n\nFor our affiliates\' everyday business purposes - information\nabout your creditworthiness\n\nNo\n\nWe do not share\n\nFor our affiliates to market to you\n\nNo\n\nWe do not share\n\nFor nonaffiliates to market to you\n\nNo\n\nWe do not share\n\nReasons we can share your personal information\n\nQuestions?\nPage 10 of 11\n\nCall 1-866-322-8008\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0cPrivacy Policy Continued\nWho we are\nWho is providing this notice?\n\nFirst Electronic Bank\n\nWhat we do\nHow does First Electronic Bank protect my personal\ninformation?\n\nHow does First Electronic Bank collect my personal\ninformation?\n\nWhy can\'t I limit all sharing?\n\nTo protect your personal information from\nunauthorized access and use, we use\nsecurity measures that comply with federal\nlaw. These measures include computer\nsafeguards and secured files and buildings.\nWe collect your personal information, for\nexample, when you:\n\xe2\x96\xaa apply for a loan or open an account\n\xe2\x96\xaa give us your contact information or pay your\nbills\n\xe2\x96\xaa use your credit card\nWe also collect your personal information\nfrom others, such as credit bureaus, affiliates\nor other companies.\nFederal law gives you the right to limit only\n\xe2\x96\xaa sharing for affiliates\' everyday business\npurposes- information about your\ncreditworthiness\n\xe2\x96\xaa affiliates from using your information to\nmarket to you\n\xe2\x96\xaa sharing for nonaffiliates to market to you\nState laws and individual companies may\ngive you additional rights to limit sharing. See\nbelow for more on your rights under state law.\n\nDefinitions\n\nAffiliates\n\nNonaffiliates\n\nJoint marketing\n\nCompanies related by common ownership or\ncontrol. They can be financial and\nnonfinancial companies.\n\xe2\x96\xaa Our affiliates include nonfinancial\ncompanies such as Fry\'s Electronics, Inc.\nCompanies not related by common\nownership or control. They can be financial\nand nonfinancial companies.\n\xe2\x96\xaa First Electronic Bank does not share with\nnonaffiliates so they can market to you.\nA formal agreement between nonaffiliated\nfinancial companies that together market\nfinancial products or services to you.\n\xe2\x96\xaa First Electronic Bank does not jointly\nmarket.\n\nOther important information\nFor California Customers: We will limit our sharing of personal information about you with our affiliates to comply\nwith all California privacy laws that apply to us.\n\nPage 11 of 11\n\nForm #350BVSFBE3 valid from 01.31.2019 to 07.31.2019\n\n\x0c'