b"JASPER CONSUMER CREDIT CARD AGREEMENT\nThis Consumer Jasper Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) governs the terms of your Jasper Credit Card Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) issued by WebBank (\xe2\x80\x9cBank\xe2\x80\x9d). Please read this Agreement carefully and keep it with your records\nregarding your Account. This Agreement incorporates by reference:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nyour card carrier,\nyour Interest Rates and Fees table (the Truth in Lending Disclosures)\nany change in terms that may occur from time to time, and\nany other documents or information provided to you regarding the terms and conditions applicable to your\nAccount, each as may be amended from time to time.\n\nPlease read this Agreement and keep a copy with your Account records. In this Agreement, the words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and\n\xe2\x80\x9cour\xe2\x80\x9d refer to WebBank. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means the person who opened the Account.\n1. ADDITIONAL SERVICES AND AGREEMENTS\nYou may enroll in additional services to supplement and enhance the use of your Account. These services may have\nadditional terms and conditions governing their use.\nYou will abide by all terms, conditions, covenants, and agreements applicable to the use of your Account, including,\nbut not limited to, any agreement you may enter into with us and the terms and conditions contained on any sales\nslips, Cash Advance slips, monthly Billing Statements, and any Card issued to you. Breach of any condition or\nobligation of this Agreement by you, or by any Authorized User or any other user of your Account, shall be a breach\nby you.\n2. DEFINITIONS AND MEANINGS\n\xe2\x80\x9cAccount\xe2\x80\x9d means the credit card account issued by WebBank.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you allow to use your Account with a Card we provide with that person\xe2\x80\x99s name.\n\xe2\x80\x9cBilling Statement\xe2\x80\x9d means the statement that we will send to you on a monthly basis, in accordance with the\n\xe2\x80\x9cBilling Statements\xe2\x80\x9d section of this Agreement.\n\xe2\x80\x9cBusiness Day\xe2\x80\x9d means every day except Saturdays, Sundays and federal holidays.\n\xe2\x80\x9cCard\xe2\x80\x9d means any credit card(s) or other access device (including an account number) that we have issued for use\nwith the Account.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means a cash advance loan obtained from us by the use of your Account, including cash\nobtained at an automated teller machine (ATM), from us, or at another financial institution.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means any purchase of goods or services with the use of a Card or Account number (including, without\nlimit, Purchases made in person, on the Internet, through mail order, or over the telephone).\nWhen used in this Agreement, words of the masculine gender include the feminine and neuter genders and vice\nversa, where applicable. Words of the singular number shall include the plural number and vice versa, where\napplicable.\n3. AGREEMENT TO TERMS\nBy applying for an Account, or by maintaining, using or consenting to the use of your Account, you agree to the\nterms and conditions of this Agreement and that this Agreement will govern your Account, the use of the Cards, and\nall credit extended under this Agreement. You also understand and agree that the use of your Account, whether by\nuse of a Card or otherwise, will constitute your acceptance of, and will be subject to, this Agreement. You agree to be\nresponsible for all charges incurred according to this Agreement, and that we may amend the Agreement from time\nto time pursuant to applicable law, including but not limited to amending the rates, fees, finance charges, or any\nother Account terms.\nThis Agreement applies whether or not you use your Card or Account, and it will continue to apply even after your\nAccount is closed so long as you have a balance.\n4.\nFEES AND CHARGES\nYou agree to pay all fees and charges incurred by you under this Agreement, including:\n(a) Late Fee. If you fail to pay the Total Minimum Payment Due on or before the due date for that payment, you\nwill be charged a late fee of $27 for each payment that is delinquent. Notwithstanding anything to the contrary\nin this Section 4(a), any late fee charged to your Account not exceed the amount of the Total Minimum\nPayment Due for which it is assessed (i.e., the amount of the payment that is in default). You will pay only one\nlate fee per late payment, however long that payment remains in default.\n(b) Returned Payment Fee. If any payment you make is returned unpaid for any reason, you will be charged a\nreturned payment fee of $27 for the returned payment. Notwithstanding anything to the contrary in this\nSection 4(b), any returned payment fee charged to your Account will not exceed the amount of the Total\nMinimum Payment Due immediately prior to the date on which the payment is returned unpaid.\n(c) Cash Advance Fee. You will be charged as Cash Advance Fee for each cash advance make by us pursuant to\nthis Agreement. The Cash Advance Fee will be 5% of the amount of the cash advance, but in no case less than\n$10.\n(d) Paper Copy Fee. You will be charged a fee of $10 per copy if you request an additional paper copy of your\nstatement.\nSee your Rates and Fees Schedule for additional information.\n5. AUTHORIZED USERS\n\n\x0c(a) Account Use By Authorized Users.\xe2\x80\x8b We currently do not allow Authorized Users, but in the event we do so in\nthe future, this Section 5 applies. If we approve the addition of an Authorized User, use of your Account by the\nAuthorized User is subject to the terms of this Agreement. You must think carefully before you allow anyone to\nbecome an Authorized User. You also must:\n\xe2\x97\x8f Obtain permission from each Authorized User before naming him or her as an Authorized User on your\nAccount\n\xe2\x97\x8f Make a copy of this Agreement available to each Authorized User\n\xe2\x97\x8f Pay us for all charges incurred by each Authorized User\n\xe2\x97\x8f Notify us to remove an Authorized User from your Account\nIf we remove an Authorized User, in some cases we may close your Account, open a new Account and issue you a\nnew Card.\nYou are responsible for all of the following:\n\xe2\x97\x8f The use of your Account by an Authorized User and anyone else they allow to use your Account, even if you\ndid not want or agree to that use\n\xe2\x97\x8f Any Purchase or Cash Advance made by an Authorized User even if the date of the transaction shown on\nyour statement occurs after the date you ask us to remove the Authorized User from your Account\n\xe2\x97\x8f Any Purchases or Cash Advances made by others if an Authorized User allows them to use your Account\n\xe2\x97\x8f Fees and charges resulting from any Purchases or Cash Advances made by an Authorized User or others if\nan Authorized User allows them to use your Account\n(b) What Authorized Users Can Do. \xe2\x80\x8bAuthorized Users can do all of the following:\n\xe2\x97\x8f Use your Account to Make Purchases and obtain Cash Advances\n\xe2\x97\x8f Incur fees and charges on your Account\n\xe2\x97\x8f Report lost or stolen Cards\n\xe2\x97\x8f Request statement copies\n\xe2\x97\x8f Initiate billing disputes\n\xe2\x97\x8f Make payments on your Account\n\xe2\x97\x8f Change the billing address for your Account\n\xe2\x97\x8f Obtain Account information, including transaction histories\n\xe2\x97\x8f Arrange to receive fraud or transaction alerts about the Account\n(c) Account Information Rights of Authorized Users.\xe2\x80\x8b You allow us to discuss your Account with an Authorized\nUser. This includes giving the Authorized User access to your Account information and history. You also agree that an\nAuthorized User may use and receive information about the Account in the same way that you do. However, an\nAuthorized User may not add another Authorized User, adjust your Credit Limit or close the Account.\n(d) Information about Authorized Users.\xe2\x80\x8b You agree to give us certain personal information about each Authorized\nUser, and you must let each Authorized User know that you will give us that information and you must have his or her\npermission to do so. You also must have permission from each Authorized User to allow us to share information about\nhim or her as applied by applicable law. This includes information that we may get from you, any Authorized User and\nothers, and it also includes information about their transactions on the Account.\n6. USING YOUR ACCOUNT\n(a) Your Responsibilities. \xe2\x80\x8bYou must sign the Card immediately after you receive it, and you must return the Card to\nus or destroy it if we ask you to. In addition to your other responsibilities under this Agreement, you also must take\nreasonable steps to prevent the unauthorized use of your Card and Account.\n(b) Transactions You May Initiate.\xe2\x80\x8b Subject to the terms of this Agreement, you may make Purchases and obtain\nCash Advances. You agree that you will use your Account and Card primarily for transactions that are for personal,\nfamily or household purposes. You may not use your Card or Account to make payments on any loan you have from\nWebBank.\n(c) Potentially Fraudulent Transactions.\xe2\x80\x8b We are under no obligation to monitor your Account for attempted fraud.\nHowever, if we do monitor your Account, we reserve the right not to authorize a Purchase or Cash Advance\ntransaction you attempt if the transaction or other activities in your Account suggest that the transaction might be\nfraudulent.\n(d) Illegal Transactions.\xe2\x80\x8b You understand that you and any Authorized Users on the Account are not allowed to use\nthe Card or Account to make, and you agree that you will not make and you will prevent Authorized Users from\nmaking, any transactions that are illegal under any state or federal law, including without limit illegal gambling\nactivity. You understand and agree that we may decline any transactions that we reasonably believe to be illegal\nunder any state or federal law. Display of the Mastercard logo at a particular merchant does not mean that the\ntransactions that may be done with that merchant are lawful in all cases or in all jurisdictions. You understand that, in\nthe event we do not decline a transaction that is illegal, you are responsible for repaying us the amount of such\ntransaction plus any applicable interest, fees, and charges.\n(e) Certain Limits On Our Liability.\xe2\x80\x8b We can decline a transaction at any time in our discretion. We are not\nresponsible for any losses you may incur if we do not authorize a transaction, and we are not responsible for any\nlosses you incur if anyone else refuses to accept your Card for any reason. We also are not liable for any losses that\nmay result when our services are unavailable due to reasons beyond our control.\n7. YOUR GENERAL CREDIT LIMIT\nWe will establish the Credit Limit applicable to your Account. This is the combined amount of credit for Purchases\nand Cash Advances that we agree to extend to you. We may increase or decrease this Credit Limit at any time, in\nour sole discretion. We will tell you your initial Credit Limit when we open your Account. We will notify you of any\nchange in your Credit Limit as may be required by applicable law. Changes to your Credit Limit may take effect\nbefore you receive such notice. Your Billing Statement will disclose your Credit Limit, as adjusted from time to time.\n\n\x0cYour Billing Statement will also disclose the amount of your Credit Limit that was available on the closing date of\nyour Billing Cycle (your \xe2\x80\x9cAvailable Credit\xe2\x80\x9d). Your Available Credit will be the amount of your Credit Limit, minus the\nsum of (a) your New Balance, plus (b) any Purchases or Cash Advances that we have authorized but that have not\nyet posted to your Account, plus (c) any payments that have not yet cleared as of the closing date of your Billing\nCycle. You agree that you will not exceed your Credit Limit that we establish for your Account. Without limiting our\nother rights under this Agreement, including our rights under the \xe2\x80\x9dDefault\xe2\x80\x9d section, you agree that if your Account\nbalance exceeds your Credit Limit at any time, you will immediately pay us for the full amount of the excess.\n8. YOUR CASH ADVANCE CREDIT LIMIT\nYour Cash Advance transactions are subject to a Cash Advance Credit Limit. Your Cash Advance Credit Limit is a\nportion of your general Credit Limit and is only available to the extent that you have an amount available under the\ngeneral Credit Limit for your Account. Your initial Cash Advance Credit Limit is an amount equal to twenty percent\n(20%) of the Credit Limit disclosed to you when we open your Account. We may increase or decrease your Cash\nAdvance Credit Limit at any time, in our sole discretion. We will notify you of any change in your Cash Advance\nCredit Limit as may be required by applicable law. Changes to your Cash Advance Credit Limit may take effect before\nyou receive such notice. Your Billing Statement will disclose your Available Cash as of the closing date of your Billing\nCycle, which will be the amount of your Cash Advance Credit Limit that is available for Cash Advances. You agree\nthat you will not exceed your Cash Advance Credit Limit that we establish for your Account. Without limiting our\nother rights under this Agreement, including our rights under the \xe2\x80\x9cDefault\xe2\x80\x9d section, you agree that if either:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nyou exceed your Cash Advance Credit Limit at any time, or\nyour Account balance exceeds your Credit Limit at any time, you will immediately pay us for the full amount of\nthe excess.\n\nYou understand that, in certain instances, authorization for a Cash Advance transaction may be denied even\nthough you have adequate availability under your Cash Advance Credit Limit. For example, your request for a\nCash Advance may be declined if:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nthe ATM or other electronic terminal and/or its authorization system is not working properly,\nwe have been notified that your Card has been reported as lost or stolen, or it has been cancelled,\nwe suspect fraud in your Account,\nthe ATM, financial institution or merchant does not have sufficient cash available, or\nother circumstances beyond our control (such as a loss of power, or the existence of a force majeure event as\ndescribed elsewhere in this Agreement).\n\n9. BILLING STATEMENTS\nWe will send you a monthly Billing Statement for each Billing Cycle at the end of which there is a debit or credit\nbalance of $1.00 or more. Purchases, Cash Advances, adjustments, and payments made since the previous billing\ndate will be shown on this Billing Statement. We will send your Billing Statement to one address only. You are\nresponsible for notifying us if you wish to change the address that should receive your Billing Statement. We may\ndiscontinue sending you Billing Statements if we deem your Account to be uncollectible or if we send your Account to\nan attorney or other third party for collection purposes. Even though you may not receive a Billing Statement in such\ninstances, you understand that periodic interest charges may continue to accrue on your Account.\nThe total outstanding balance (the amount you owe us) appears as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your Billing Statement. To\ndetermine the New Balance, we begin with the outstanding balance on your Account at the beginning of each Billing\nCycle, called the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d on your Billing Statement. We subtract any payments and credits we receive. We\nthen add any Purchases, Cash Advances, and other charges posted to your Account since the end of the previous\nBilling Cycle. We then add the appropriate interest charges and fees and make other applicable adjustments.\nYou may obtain a paper copy of a Billing Statement free of charge. You may also obtain a copy of a transaction\nreceipt free of charge. If you request more than one copy of any Billing Statement or transaction receipt, we will\ncharge a $10.00 fee for each such request. We will not assess you any fees if you request a Billing Statement or a\ntransaction receipt for a billing error/inquiry that you may assert against us under applicable law. Electronic\nstatements are available online free of charges anytime.\n10. PROMISE TO PAY\n(a) General.\xe2\x80\x8b You promise to repay all Purchases, Cash Advances, interest charges, fees, and any and all other\ncharges whatsoever incurred on your Account. You must make a payment every month that your Account reflects a\nNew Balance (which is the entire amount that you owe us). You may pay the New Balance or some lesser amount,\nbut at a minimum must make the Total Minimum Payment Due reflected on your Billing Statement. If you permit\nany person to use your Card, Account number, or Account, you will be liable for all transactions made by that\nperson, even if that person exceeds the authority you granted and even if you did not intend or expect to be liable,\nand even if the amount of those transactions causes a Credit Limit to be exceeded.\n(b) Form of Payment. \xe2\x80\x8bYou must make payments in U.S. dollars via check, money order or similar instrument, or via\nautomatic debit that is drawn on or honored by a bank located in the United States. Do not send cash.\n(c) Timing of Payment\xe2\x80\x8b. Please send your payments to the address that we furnish to you on your Billing\nStatement. Payments received at this address after 5 pm ET, or on any day or at any time on any non-banking day\nwill be considered as payments made on the following banking day. If we do not receive your payment by the\nPayment Due Date reflected on your Billing Statement it will be considered late and we may assess you (and you\nagree to pay) a late fee in the amount(s) set forth in your Rates and Fees Schedule. However, if your Payment Due\nDate is on a day that we do not receive or accept payments (such as a federal holiday) we will not consider payments\nreceived the following banking day to be late. If you elect to make payments by electronic transfer, including\nthrough the Jasper online application, payments are considered to be received on the date on which you authorize us\nto effect the payment, even if you give the instruction authorizing payment in advance of the date on which you\nauthorize to effect the payment. If you authorize us to effect the electronic transfer immediately and your instruction\nis received before 12 am (midnight) ET, the payment will be considered received the day on which you authorized\nthe payment.\n\n\x0c(d) Payment Remittance Instructions. \xe2\x80\x8bPlease send your payment in with the remittance stub that accompanies\nyour Billing Statement and/or write your Account number on the memo line of your check or other similar form of\npayment. Payments that do not follow these instructions may cause a delay of up to five (5) days in crediting your\nAccount.\n(e) Payment Processing\xe2\x80\x8b. We may accept and process payments without losing any of our rights. Without limiting\nthe foregoing, we can accept late payments, partial payments, or conditional checks or money orders or any checks\nor money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing our rights under this Agreement, including the right to\nrequire full payment of all amounts owed under this Agreement. If you pay us with a check or similar instrument that\nhas notations or instructions on or with the check, you agree that (a) we may disregard such notations or\ninstructions and (b) we may credit any payment we receive to your Account, and our crediting of that payment will\nnot mean that we have agreed to such notations or instructions on or with that payment.\nWe may delay the availability of credit until we confirm that your payment has cleared. This may happen even if we\ncredit your payment to your Account. We also may resubmit any collected returned payments electronically. If\nnecessary, we also may adjust your Account to correct errors, process returned and reversed payments, and handle\nsimilar issues.\n(f) Payment Amount\xe2\x80\x8b. If the \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on your monthly Billing Statement is less than $25, your Total\nMinimum Payment Due will be the New Balance. If the New Balance is $25 or more, and unless we have suspended or\nterminated your right to use or access your Account, your Total Minimum Payment Due will be equal to the greater of\n(a) $25 or (b) the sum of 2% of the New Balance, plus interest, plus fees and plus any amount that is past due.This\nsum will be rounded up to the nearest dollar. You may voluntarily elect to make payments at amounts that exceed\nthe Total Minimum Payment Due. For example, if you elect to enroll in automatic electronic payments, you must elect\nto pay either (1) the New Balance shown on your monthly Billing Statement at the time payment is debited or (2) a\nfixed dollar amount that you preauthorize when you enroll for automatic electronic payments that exceeds the Total\nMinimum Payment Due as calculated in accordance with this Section 10(f).\n(g) How We Apply Your Payments. \xe2\x80\x8bWe apply the amount of your Total Minimum Payment Due to your Account in\nany manner we chose, which may include applying the payment first to balances with the lowest Annual Percentage\nRate. If you pay more than your Total Minimum Payment Due, but less than the New Balance on your Account, we\nwill apply the amount in excess of your Total Minimum Payment Due to those balances on your Account that have the\nhighest Annual Percentage Rate. Any remaining portion of your payment amount will then be applied to your other\nbalances in descending order based on the applicable Annual Percentage Rate. We may change this order of payment\nallocation if required or permitted to by law.\n11. WHEN PERIODIC INTEREST CHARGES BEGIN\nWe calculate the interest charges separately for Purchases and Cash Advances. We begin to charge interest on Cash\nAdvances from the date of posting to your Account. We begin to charge interest on Purchases from the date of posting\nto your Account, unless a grace period applies as described in Section 12.\nPurchases: \xe2\x80\x8bYou will be assessed interest on Purchases from the date they are posted to your\nAccount until paid in full. However, if you do not have a balance ($0.00) (or have a credit balance) on the first day of\nthe cycle in which a new Purchase is made, you will not be charged interest on that new Purchase if you pay New\nBalance at the end of that cycle in full by the Payment Due Date on the billing statement on which the Purchase first\nappears. If you do not pay the New Balance in full by the Payment Due Date on that Billing Statement, interest will\naccrue from the first day of the cycle immediately following the cycle in which the Purchase was made.\n12. CALCULATION OF INTEREST CHARGES\n(a) Variable APRs Based on the Prime Rate. \xe2\x80\x8bThe Monthly Periodic Rate for Purchases and Cash Advances is a\nvariable rate that may change monthly. The Monthly Periodic Rate will be 1/12th of the sum of an \xe2\x80\x9cIndex\xe2\x80\x9d plus a\nMargin. The Index is the highest domestic Prime Rate published in the \xe2\x80\x9dMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal (eastern edition) on the 15th day (or preceding business day, if the 15th is not a business day) of the calendar\nmonth immediately prior to the month in which the Billing Cycle begins. An increase in the Prime Rate will take effect\non the first day of the Billing Cycle. An increase in the Prime Rate will increase the amount of your interest charge,\nNew Balance, and Total Minimum Payment Due. The Margin is 21.74% for Cash Advances. The Margin for Purchases is\n12.24%.\n(b) \xe2\x80\x8bBalance Subject to Interest Rate\xe2\x80\x8b. \xe2\x80\x8bWe use a method called 'average daily balance method (including current\ntransactions)' to calculate interest charges. Interest charges on Purchases are calculated by applying the monthly\nperiodic rate to the average daily balance of Purchases (including new Purchases) for each billing cycle. To calculate\nthe average daily balance of Purchases, we take the beginning balance of purchases each day, add any new Purchases\n(including interest charges and other fees and charges), and subtract any applicable payments and credits. This gives\nus the daily balance. We treat any daily balance that is a credit balance as a daily balance of zero. We add up all the\ndaily balances for the billing cycle and divide by the number of days in the billing cycle to determine average daily\nbalance of the Purchases. Interest charges on Cash Advances are calculated by applying the monthly periodic rate\n(described above) to the average daily balance of Cash Advances (including new Cash Advances). To get the average\ndaily balance of Cash Advances, we use the same calculation method that we use for Purchases.\n(c) How to Avoid Paying Interest on New Purchases (Grace Period)\xe2\x80\x8b. If you paid the New Balance on your prior\nmonthly billing statement by the due date shown on that billing statement, we will not impose any interest charges on\nnew Purchases, or any portion of a new Purchase, paid by the due date on your current monthly billing statement.\nNew Purchases are Purchases that first appear on your current billing statement. Cash Advances are subject to\nInterest Charges from the date the transaction is posted on your Account. Unlike Purchases, there is no grace period\nin which you can pay the balance of Cash Advances in order to completely avoid Interest Charges.\n13. TRANSACTIONS IN FOREIGN CURRENCIES\n\n\x0cYou may choose to use your Card to take a Cash Advance or make a Purchase in a foreign country (an\n\xe2\x80\x9cInternational Transaction\xe2\x80\x9d) unless, for legal or security reasons, we do not permit use of your Card in that\ncountry. If your International Transaction is in a currency other than U.S. dollars, the transaction will be converted\ninto a U.S. dollar amount by Mastercard, using the procedures established by Mastercard, based on the exchange\nrate in effect at the time the transaction is processed. The exchange rate between the transaction currency and the\nbilling currency used for processing International Transactions is a rate selected by Mastercard from the range of\nrates available in wholesale currency markets for the applicable central processing date, which may vary from the\nrate Mastercard itself receives, or a government-mandated rate in effect for the applicable central processing date,\nin each instance. We may monitor your accounts for signs of potential fraud, which could include the use of your\nCard in a manner that is out of the ordinary. If you are planning on using your Card in a foreign country (for\nexample, if you are traveling abroad) please let us know in advance. Even if you notify us, however, it is possible\nthat your International Transactions may be delayed or declined.\n14. LOST/STOLEN CARDS/LIABILITY FOR UNAUTHORIZED USE\nYou agree to notify us as soon as possible after learning that your Card has been lost or stolen. You may report\na lost or stolen card through the Jasper mobile application. Alternatively, you may call toll free at\n1-855-398-1428 (domestic) or 1-650-382-4351 (international). To assist in our efforts to minimize unauthorized\nuse and fraud, please regularly check your monthly statements for transaction accuracy and report any actual or\nsuspected unauthorized use as soon as possible to the applicable telephone number or by using the \xe2\x80\x9cContact Us\xe2\x80\x9d\nfeature on your mobile application.\n15. DEFAULT\n\xe2\x80\x9cYou will be in \xe2\x80\x9cDefault\xe2\x80\x9d if: (a) you fail to make the Total Minimum Payment Due on your Account on or before the\nPayment Due Date for that payment reflected on your Billing Statement; or (b) the prospect of payment or\nperformance is significantly impaired, such as, but not limited to, if you file bankruptcy, you die or are found to be\nlegally incapacitated, or we discover a misstatement of a material fact in any document you execute which forms part\nof the basis for extending credit to you.\nIf you are in Default, we may, at our option, do all or any of the following:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\ndeclare all amounts you owe us to be immediately due and payable,\nterminate or suspend your Account privileges,\nreduce your Credit Limit, and/or\nrequire the return of all Cards.\n\nIn addition, if your Account is in Default, unless prohibited by applicable law, you agree to pay all court and\ncollection costs we actually incur in the collection of amounts you owe us under this Agreement and,\nin the event we refer your Account to an attorney who is not our salaried employee, you agree to pay\nthe attorney\xe2\x80\x99s charges in a reasonable amount.\n\n16. NO THIRD PARTY WARRANTIES\nWe are not responsible for refusal by any merchant, financial institution, or automated equipment to honor or accept\nyour Card, and we have no responsibility for merchandise or services obtained by you with your Card except as\nprovided in the section of this Agreement titled \xe2\x80\x9cYour Billing Rights.\xe2\x80\x9d You agree to use your best efforts to resolve any\ndispute concerning merchandise or services with the merchant concerned. If we permit you to write checks on your\nAccount, we are not responsible for refusal by any merchant to honor or accept such checks, and we have no\nresponsibility for merchandise or services obtained by you with such checks. In addition, we will not be liable to you\nfor any harm or damages you suffer as a result of our failure to honor any check you write on your Account.\n17. CARDS\nYour Card is issued with an expiration date. We have the right not to renew your Card or Account. If we have not\nterminated your Account or exercised our right not to renew your Account, we will send you a new Card when your\nprior Card expires.\n18. NO WAIVER OF RIGHTS\nWe may delay in enforcing our rights under this Agreement without losing those rights or any other rights. We may\nwaive enforcement of our rights in one or more instances without waiving those rights or any other rights in other\ninstances.\n19. TELEPHONE AND EMAIL COMMUNICATIONS WITH YOU\nIn order to ensure a high quality of service for our customers, and to provide continuing training for our contractors\nand employees, you agree that we may monitor and/or record our telephone calls with you or any Authorized User.\nAlso, to the extent not prohibited by applicable law, you agree that we may communicate with you at (a) any\ntelephone number or email address that you provided in your application for the Account or (b) any telephone\nnumber or email address that you may provide to us in the future. You also agree that, to the extent not prohibited\nby applicable law, we may communicate with you at these telephone numbers using any means of communication\ntechnology, including (but not limited to) automatic telephone dialing systems, artificial or pre-recorded voice\nmessages. Additionally, if any of the numbers that you provide to us either at application or thereafter is a cell\nphone number you understand and agree that we may also contact you at that number through the use of text\nmessages or email directed to your cell phone service. You understand and agree that we may contact you at your\ncell phone number using one or more of these communication technologies (or others that may be developed in the\nfuture) even if you will incur costs to receive such messages, text messages or emails.\n20. ASSIGNMENTS/TRANSFERS\n\n\x0cYour rights under this Agreement may not be transferred by operation of law or otherwise. However, your obligations\nunder this Agreement shall be binding upon your estate or personal representatives. We may sell your Account\nand/or assign or transfer this Agreement and our related rights and obligations, in whole or in part, without prior\nnotice to you and without your consent.\n21. CLOSING OR SUSPENDING YOUR ACCOUNT\nYou may close your Account at any time by notifying us at customersupport@jaspercard.com, calling to\n1-855-398-1428 (domestic) or 1-650-382-4351 (international), or writing to Jasper, PO Box 85740, Sioux Falls,\nSouth Dakota 57118-5746. We will immediately cancel your Account after we receive notice from you. You agree\nthat we are not responsible for any costs, damages, or inconvenience you may suffer as a result of our\ncancelling your Account.\nIn addition, even if you are not in Default, we may:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nclose your Account,\ncancel or suspend your privileges to make Purchases or obtain Cash Advances\n\n\xe2\x97\x8f\n\notherwise cancel or suspend any Account privileges or benefits (whether or not such privileges or benefits are\ndescribed or referred to in this Agreement). We may do so for any reason, including Account inactivity, in our\nsole discretion. We will provide you with notice of any such action if required to do so by applicable law.\n\nor\n\nIf either you or we close your Account you may not make further Purchases or obtain Cash Advances. However, you\nwill remain responsible and must pay for all credit owed to us (extended to you or arising from use of your Account\nprior to or subsequent to cancellation).\n22. CHANGING THE TERMS OF YOUR ACCOUNT\nWe may amend the terms of this Agreement, including the amount of any Account fees, from time to time in\nour sole discretion. Depending on the nature of the change, the amendment to this Agreement may, on or\nafter the date on which it becomes effective, apply to all of your then-outstanding unpaid indebtedness to us\nunder your Account. If required by applicable law, we will (a) send notice of the changes to you at the address\nshown on our records for you and (b) give you the right to opt out of the change. If you have the right to opt\nout and choose to opt out of the change you will be unable to initiate any further transactions on the Account\nand you will be required to repay the amount that you owe us under the terms and conditions of the\nthen-existing Agreement.\n23. GOVERNING LAW\nYou understand and agree that (a) this Agreement is subject to applicable federal laws and, to the extent not\npreempted by federal law, the laws of the State of Utah, and (b) your Account was opened or will be continued after\napproval by us in the State of Utah. If any provision of this Agreement is in conflict with applicable law, that provision\nshall be considered modified to the extent necessary to comply with such law.\n24. OBTAINING CREDIT INFORMATION\nYou authorize us to make or have made any credit, employment, or other investigative inquiries we deemed\nappropriate (including, without limit, obtaining a consumer report), including when renewing, updating, or collecting\non your Account. Upon your request, we will tell you whether we obtained a consumer report and the names and\naddresses of any consumer-reporting agencies that provided such reports.\n25. DISCLOSURE OF INFORMATION TO THIRD PARTIES\nWe provide a copy of the WebBank/Jasper Card privacy notice at the time your Account is established. Should\nyou have any questions, concerns or wish to request an additional copy, please contact us at\ncustomersupport@jaspercard.com, calling to 1-855-398-1428 (domestic) or 1-650-382-4351 (international), or\nwrite to us at Jasper, PO Box 85740,\nSioux Falls, South Dakota 57118-5746.\n26. FURNISHING INFORMATION TO CONSUMER REPORTING AGENCIES\nWe may report information about your Account to consumer reporting agencies (credit bureaus). Late\npayments, missed payments, or other defaults on your Account may be reflected in your credit report. If you\nbelieve that we have furnished any inaccurate information relating to your Account to any consumer reporting\nagency, you may notify us at the following address: Jasper, PO Box 85740, Sioux Falls, South Dakota\n57118-5746. To help us respond to your notification, you must include your Account number, Social Security\nnumber, the name of the consumer-reporting agency reflecting the inaccurate information, and an explanation\nof why you believe the information is inaccurate. You understand that you may also contact the appropriate\nconsumer reporting agency directly at the following address and toll-free number: Equifax, P.O. Box 740241,\nAtlanta, GA 30374, 1.800.685.1111; Trans Union, P.O. Box 1000, Chester, PA 19022, 1.800.916.8800; or\nExperian, P.O. Box 2002, Allen, TX 75013, 1.888.397.3742.\nYOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING YOUR CREDIT HISTORY WITH US MAY\nBE SUBMITTED TO A CREDIT-REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT\nOBLIGATIONS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED\nIN YOUR CREDIT REPORT.\n27. MILITARY ANNUAL PERCENTAGE RATE DISCLOSURE\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 or\n\n\x0cher dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the\ncredit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). To hear this same disclosure, and a description of your payment obligation, please call\n1-844-822-3774.\n28. FORCE MAJEURE\nUnless otherwise required by applicable law, we are not responsible and will not incur liability to you for any failure,\nerror, malfunction or any delay in carrying out obligations under this Agreement if such failure, error or delay results\nfrom causes that are beyond our reasonable control (including, but not limited to inclement weather, fire, flood, acts\nof war or terrorism, and earthquakes).\n29\xe2\x80\x8b. \xe2\x80\x8bARBITRATION\nIF YOU ARE A MILITARY LENDING ACT \xe2\x80\x9cCOVERED BORROWER,\xe2\x80\x9d AS THAT TERM IS DEFINED BY 32 C.F.R. \xc2\xa7\n232.3(G), THIS ARBITRATION SECTION DOES NOT APPLY TO YOU.\nThe following arbitration provisions apply to disputes that may arise under this Agreement.\n\n\xe2\x97\x8f\n\n\xe2\x97\x8f\n\xe2\x97\x8f\n\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nAT ANY TIME EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY\nARBITRATION. NEITHER YOU NOR WE ARE REQUIRED TO ARBITRATE CLAIMS, BUT IF EITHER OF US\nCHOOSES TO HAVE A DISPUTE DECIDED BY ARBITRATION, ARBITRATION WILL BE MANDATORY FOR BOTH\nPARTIES.\nIN ARBITRATION, YOU AND WE EACH GIVE UP OUR RIGHT TO A COURT OR JURY TRIAL.\nIN ARBITRATION, YOU GIVE UP YOUR RIGHT TO ACT AS A CLASS REPRESENTATIVE OR A CLASS MEMBER ON\nANY CLASS CLAIM YOU MAY HAVE AGAINST US. THIS INCLUDES ANY RIGHT TO CLASS ARBITRATION OR\nANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.\nTHE INFORMATION PARTIES MAY OBTAIN IN DISCOVERY FROM EACH OTHER IN ARBITRATION IS GENERALLY\nMORE LIMITED THAN IN A LAWSUIT.\nOTHER RIGHTS AVAILABLE IN A COURT MAY NOT BE AVAILABLE IN ARBITRATION.\nRIGHTS TO APPEAL OR CHANGE AN ARBITRATION AWARD IN COURT ARE VERY LIMITED.\n\nA \xe2\x80\x9cdispute\xe2\x80\x9d is any claim or dispute, in contract, tort or otherwise, arising between you and us. \xe2\x80\x9cDispute\xe2\x80\x9d includes\ndisputes that arise from or relate to this Agreement, or relationships that result from this Agreement (including\nrelationships with third parties who do not sign this Agreement).\n\xe2\x80\x9cDispute\xe2\x80\x9d includes claims or disputes arising before, during and after the transactions evidenced by this Agreement.\n\xe2\x80\x9cDispute\xe2\x80\x9d includes disputes unrelated to this Agreement. \xe2\x80\x9cDispute\xe2\x80\x9d shall have the broadest possible meaning.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cthird party\xe2\x80\x9d include C-Stacks (DBA Jasper), Jasper and any assignees of Jasper\xe2\x80\x99 rights or\nobligations under this Agreement, including all affiliates, parents and subsidiaries of these parties and all their\nemployees, agents, or assigns.\nWhen you, a third party, or we request arbitration, the dispute will be resolved by neutral, binding arbitration under\nthe Federal Arbitration Act and not by a court. Any dispute is to be arbitrated on an individual basis and not as a class\naction. You expressly waive your right to arbitrate a class action, including your right to class relief in arbitration.\nThis is referred to below as \xe2\x80\x9cthe Class Action Waiver\xe2\x80\x9d.\nYou may choose the American Arbitration Association (800-778-7879, \xe2\x80\x8bwww.adr.org\xe2\x80\x8b) or, with our approval, any other\narbitration organization as the administrator. The administrator will apply its relevant current rules. You may obtain\na copy of the rules or additional information about arbitration by contacting the applicable arbitration organization or\nvisiting its website. If you elect to arbitrate, you agree to notify us of your election in writing and to initiate\narbitration in the manner set forth in the arbitration organization\xe2\x80\x99s rules.\nThe arbitration hearing shall be conducted in the federal district where you reside. The arbitrator shall be an attorney\nor retired judge and must be selected according to the rules of the applicable arbitration organization. The arbitrator\nshall apply governing law.\nThe arbitrator shall award damages or other relief permitted by applicable law. The arbitrator shall prepare a written\ndecision stating reasoned findings of fact and conclusions of law.\nWhen you request arbitration, you agree to pay a filing fee not to exceed the amount it would cost to file a lawsuit in\nsmall claims court. We will pay the rest of the filing fee, and the whole filing fee when we request arbitration first or\nwhen the arbitrator determines that applicable law or the rules of the arbitration organization require us to do so.\nWe will pay the arbitration costs and fees for the first day of arbitration, up to a maximum of eight hours. We will pay\nor advance any additional fees and charges that the arbitrator determines we must pay or advance in order to assure\nthat this arbitration clause is enforceable. The arbitrator shall decide who shall pay any additional costs and fees,\nand, if we advance any fees or charges, shall decide who must finally pay those advanced amounts.\nThe arbitrator\xe2\x80\x99s award shall be final and binding on all parties, except that the losing party may request new\narbitration under the rules of the arbitration organization by a three-arbitrator panel. Unless prohibited by law, the\nappealing party shall pay all costs imposed by the administrators upon both parties on appeal, unless the arbitrator\ndecides otherwise.\nNeither you nor we waive the right to arbitrate by exercising self-help remedies, filing suit, or seeking or obtaining\nprovisional remedies from a court. You and we retain the right to seek remedies in small claims court for disputes or\n\n\x0cclaims within that court\xe2\x80\x99s jurisdiction, unless such action is transferred, removed or appealed to a different court. A\nparty may enter judgment on the award in any court of jurisdiction.\nYou acknowledge that the transaction(s) between you and us involve interstate commerce. The Federal Arbitration\nAct shall govern this arbitration clause and any arbitration under this arbitration clause.\nIf you do not want this arbitration clause to apply to this transaction, you may send us a written notice to that effect,\nreturn receipt requested, within 10 business days after you first accept this Agreement:\nWebBank c/o Jasper Compliance Department\nPO Box 85740\nSioux Falls, SD 57118-5740\nIf a court or arbitrator limits or voids the Class Action Waiver, this entire arbitration clause (except for this sentence)\nshall be null and void. If any part of this arbitration clause other than the Class Action Waiver is deemed or found\nunenforceable for any reason, the rest of the arbitration clause remains enforceable. This arbitration clause survives\npayment in full of the obligations incurred under this Agreement and survives discharge in bankruptcy.\n\n30. YOUR BILLING RIGHTS\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement.\nIf you think there is an error on your Billing Statement, write to us at:\nJasper\nPO Box 85740\nSioux Falls, South Dakota 57118-5746\nIn your letter, give us the following information:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nAccount Information:\xe2\x80\x8b Your name and account number.\nDollar Amount:\xe2\x80\x8b The dollar amount of the suspected error.\nDescription of Problem:\xe2\x80\x8b If you think there is an error on your Billing Statement, describe what you believe is\nwrong and why you believe it is a mistake.\n\nYou Must Contact Us:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\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.\n\nYou must notify us of any potential errors \xe2\x80\x8bin writing.\xe2\x80\x8b You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1.\n\nWithin 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.\n\n2.\n\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nBilling Statement is correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x97\x8f\n\xe2\x97\x8f\n\nIf we made a mistake:\xe2\x80\x8b You will not have to pay the amount in question or any interest or other fees related to\nthat amount.\nIf we do not believe there was a mistake: \xe2\x80\x8bYou 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 may\nthen report you as delinquent if you do not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your Billing Statement is wrong, you must write to us within \xe2\x80\x8b10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your Billing Statement. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even\nif your Billing Statement is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\n\x0cIf 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.\n\nThe 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 purchase\nwas based on an advertisement we mailed to you, or if we own the company that sold you the goods or\nservices.)\n\n2.\n\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do not qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nJasper\nPO Box 85740\nSioux Falls, South Dakota 57118-5746\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 you do not pay, we may\nreport you as delinquent\n\n\x0cJasper Mastercard\nINTEREST RATES & FEES (Truth in Lending Disclosures)\n\nAnnual Percentage Rate\n(APR) for Purchases\n\n15.49% \xe2\x80\x93 24.99%\nThis APR will vary based on your creditworthiness at the time of application. After that, your APR will vary based\non the Prime Rate.\n24.99% \xe2\x80\x93 29.99%\n\nAPR for Cash Advances\n\nThis APR will vary based on your creditworthiness at the time of application. After that, your APR will vary based\non the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on\nPurchases if you pay your entire balance in full by the next billing date. We will begin charging interest on cash\nadvances on the transaction date\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at \xe2\x80\x8bhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x97\x8f\n\nCash Advance\n\nEither \xe2\x80\x8b$10 \xe2\x80\x8bor\xe2\x80\x8b 5% \xe2\x80\x8bof the amount of each cash advance, whichever is greater.\n\nPenalty Fees\n\xe2\x97\x8f\n\nLate payment\n\n\xe2\x97\x8f\n\nReturned payment\n\nUp to \xe2\x80\x8b$27.00.\nUp to \xe2\x80\x8b$27.00.\n\nHow We Will Calculate Your Balance\xe2\x80\x8b:\xe2\x80\x8b We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See your account\nagreement for more details.\nBilling Rights\xe2\x80\x8b: Information on your rights to dispute transactions and how to exercise those rights is provided above in your account agreement.\nThe Monthly Periodic Rate for Purchases and Cash Advances is a variable rate that may change monthly. The Monthly Periodic Rate will be 1/12th\nof the sum of an \xe2\x80\x9cIndex\xe2\x80\x9d plus a margin. The Index is the highest domestic Prime Rate published in the \xe2\x80\x9dMoney Rates\xe2\x80\x9d section of The Wall Street\nJournal (eastern edition) on the 15th day (or preceding business day, if the 15th is not a business day) of the calendar month immediately prior to the\nmonth in which the Billing Cycle begins.\nWe add 12.24% - 21.74% to the Prime Rate to determine Purchase APR (monthly periodic rate will vary).\nWe add 21.74% - 26.74% to the Prime Rate to determine Cash Advance APR (monthly periodic rate will vary).\nUpdated 1/15/2021\n\n\x0c"