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1/4Mission Lane Cash Back Program Terms
Welcome to the Mission Lane Cash Back Program.
Please read and retain these Program T erms. Under the Program, if Y ou are approved for the Card, Y our Card is automatically enrolled in the Program,
while your Card account remains in Good Standing.
By using the Card, Y ou agree to be bound by these Program T erms in addition to the Cardholder Agreement that is provided upon approval for the Card.
In the event of a conflict between the Cardholder Agreement and these Program T erms, the Cardholder Agreement will govern, except the Program
Terms will govern in any matter relating to the Program. W e may change the Program T erms at any time. If we do, we will notify you of the changes and
post any changes to the Program T erms on the W ebsite. It is Y our responsibility to review the Program T erms on the W ebsite for a description of any
such changes. Capitalized words and phrases used in these Program T erms have the meanings set forth in the section of these Program T erms entitled
"Definitions, " below .
1. Eligibility and Enrollment
When Y ou receive Y our Card, Y our Card Account is automatically enrolled in the Program and will remain enrolled so long as Y ou continue to reside in
the United States and keep Y our Card Account in Good Standing.
2. Cash Back Overview
2(a). Earning Cash Back
 Under the Program, you will earn Cash Back Credit for Net Qualifying Purchases. The amount of Cash Back Credit you will earn for each calendar
month will be either 1% or 1.5% (based on your Program T erms) of the dollar amount of your Net Qualifying Purchases posted to your Card Account
during that calendar month, minus any negative Cash Back Credit balance that is created due to credits posted to your Card Account, as further
explained in Section 3(a) of these Program T erms, below .
Once you activate Y our Card, Y ou will begin accruing 1% or 1.5% Cash Back on all Qualifying Purchases made on Y our Card. Generally , there is no
maximum annual limit on the amount of Cash Back Credit Y ou can earn, as long as Y our Card Account remains open and in Good Standing and Y ou
remain eligible for participation in the Program.
Qualifying Purchase amounts include tax and are rounded to the nearest whole dollar amount, then multiplied by your Cash Back Credit amount (1% or
1.5%) to determine the amount of Cash Back earned. For example, if Y ou have a Qualifying Purchase of $99.85, and a 1% Cash Back Credit program,
You will earn $1.00 in Cash Back Credit. The same Qualifying Purchase on a 1.5% Cash Back program will earn $1.50 in Cash Back Credit.
2(b). Cr editing Cash Back
 Cash Back Credit is calculated based on Net Qualifying Purchases you make during a calendar month. Any Cash Back Credit Y ou earn during a
calendar month will be applied automatically as a credit to Y our Card Account on the seventh day of the next calendar month, or if the seventh day falls
on a weekend or holiday , the next business day thereafter . The amount of Cash Back Credit will be shown under the transactions section on your billing
statement for the billing cycle that includes the date such Cash Back Credit is applied. Depending on the date(s) Y ou make Qualifying Purchase(s), Cash 11/23/21, 4:53 PM
2/4Back Credit for any given Qualifying Purchase may take up to two (2) months to appear on your billing statement. Cash Back Credit may result in a
credit balance on Y our Card Account. W e may also award bonus Cash Back Credit for certain transactions and/or promotions from time to time in Our
sole discretion (details will be provided with such of fers).
3. Cash Back Earning Limitations and Forfeiture
3(a). Cash Back Earning Limitations
 Because Y our Cash Back Credit is calculated based on Net Qualifying Purchases, the amount of Y our Cash Back Credit will be reduced by any credits
posted to Y our Card Account for returns, char gebacks or any other adjustments. A negative Cash Back Credit balance will occur if the amount of these
credits posted to Y our Card Account in a calendar month exceed the amount of Net Qualifying Purchases you make in that calendar month.
If Your Card Account has a negative Cash Back Credit balance at the end of a calendar month and Y ou make Net Qualifying Purchases during a
subsequent month, W e will subtract the amount of such negative Cash Back Credit in calculating the amount of Cash Back Credit earned in such
subsequent month, as explained in Section 2(a) of these Program T erms, above.
You will not earn Cash Back Credit for any transactions made with a lost, canceled, stolen, or fraudulent Card. Y ou will not earn Cash Back Credit in or
after any month in which (1) Y ou file for bankruptcy , (2) Y ou or W e close Y our Card Account; (3) Y ou fail to comply with the Cardholder Agreement or
any other agreements with Us, (4) W e believe that Y ou have engaged in fraudulent activity related to Y our Card Account or the Program, (5) Y ou engage
in activities prohibited under the Cardholder Agreement; or (6) Y ou are disqualified from participation in the Program pursuant to Section 5 of these
Program T erms, below . You will not earn Cash Back Credit for any calendar month during which you are delinquent in making payments on Y our Card
Account, or during which your Card Account is not in Good Standing. If Y our Card Account is no longer in Good Standing, any prior accrued Cash
Back amount will not be credited to Y our balance until Y our Card Account status returns to Good Standing.
Except for the Cash Back Credit applied to your Card Account and reflected on your statement balance, Cash Back Credit has no cash value or other
value, and may be used only as described in these Program T erms. Cash Back Credit cannot be assigned, transferred, gifted, sold, attached, pledged or
bartered under any circumstance, including without limitation in case of disability or death, by operation of law or in connection with a domestic
relations or other legal dispute.
3(b). Forfeitur e of Cash Back Cr edit
 Any Cash Back Credit earned will be forfeited if, before such Cash Back Credit is applied to your Card Account, (1) Y ou file for bankruptcy , (2) Y ou or
We close Y our Card Account; (3) Y ou fail to comply with these Program T erms, the Cardholder Agreement or other agreements with Us, (4) W e believe
that Y ou have engaged in fraudulent activity related to Y our Card Account or the Program, (5) Y ou engage in activities prohibited under the Cardholder
Agreement, or (6) Y ou are disqualified from participation in the Program pursuant to Section 5 of these Program T erms, below . You will not be entitled
to compensation from if Cash Back Credit is forfeited for any reason.
4. Monitoring Your Billing Statement; Questions about Cash Back Credit
It is Y our responsibility to regularly monitor Y our Card Account and billing statements. If Y ou believe there has been an error in connection with Y our
Cash Back Credit, Y ou must report the possible error to Mission Lane promptly , but no later than 60 days after the date of the billing statement that you 11/23/21, 4:53 PM
3/4believe reflects the error . After this 60-day period, Y our Cash Back Credit as shown on such billing statement shall be deemed accurate. If Y ou have any
questions regarding Y our Cash Back Credit, Y ou may contact Us at support@missionlane.com.
5. Review and Disqualication
We reserve the right to review Y our Card Account for compliance with these Program T erms. In the event the review reveals any discrepancy in the
Cash Back earned and credited, Cash Back Credit may be delayed until such discrepancies are resolved. W e reserve the right to determine that you are
no longer eligible for participation in the Program and disqualify Y ou from the Program if Y our Card Account is not in Good Standing, Y ou provided
false information in connection with Y our Card Account or the Program, or Y ou violated any of the Program T erms or Y our Cardholder Agreement.
Such disqualification may be temporary or permanent and may result in the forfeiture of any accumulated Cash Back.
6. Changes to the Program
We may , from time to time and in Our sole discretion, amend, delete or add to the terms of these Program T erms and may change or limit any aspect of
the Program and its restrictions, benefits or features, in whole or in part. Such changes may be retroactive as allowed by applicable law . Changes may
include, but are not limited to, the definition of Qualifying Purchases, the availability of Cash Back Credit, the imposition of an annual Program
membership fee or the increase of any fees associated with the Program, or the percentage applied to calculate the amount of Cash Back, the method
used to calculate the amount of Cash Back, or the amount of Cash Back Credit that may be earned. W e will notify you and post any such changes to the
Program T erms on the W ebsite. It is Y our responsibility to review the Program T erms for any such changes.
7. Termination
We reserve the right to suspend or terminate the Program and the Program T erms at any time. Our decisions regarding the Program are final. If the
Program is terminated, Y ou will be notified of the date on which Y our Card Account will cease earning Cash Back Credit.
8. Taxes
You are responsible for any tax liability Y ou incur related to Y our participation in the Program. Please consult Y our tax advisor concerning any such
income or other tax consequences.
9. Incorporation of Cardholder Agreement
The terms of Y our Cardholder Agreement are incorporated into the Program T erms for purposes of assignment, communication, governing law ,
enforcement rights and dispute resolution, including the arbitration provision contained therein. Please read your Cardholder Agreement for these
important provisions.
10. Program Assistance and Website 11/23/21, 4:53 PM
4/4These Program T erms are available at www .missionlane.com/cash-back-terms . If Y ou have questions, you can contact us at support@missionlane.com
or call us at (855) 790-8860.
11. Denitions
"Card " means Y our Mission Lane Cash Back V isa� credit card issued by T AB Bank and serviced by Mission Lane.
"Card Account " means Y our credit card account accessed by use of Y our Card.
"Cardholder Agr eement " means the agreement between Y ou and T AB Bank which sets forth the terms governing Y our Card Account, as
modified, amended or changed by T AB Bank from time to time.
"Cash Back " and "Cash Back Cr edit" means an amount automatically applied as a credit to the balance on Y our billing statement in accordance
with these Program T erms.
"Good Standing " means that Y our Card Account is not in default, as explained in the Cardholder Agreement, or over the credit limit, and you are
in full compliance with the terms of the Cardholder Agreement.
"Mission Lane " means Mission Lane LLC, the servicer of Y our Card and Card Account.
"Net Qualifying Pur chase(s) " means the total of all new Qualifying Purchases Y ou make with Y our Card during a billing cycle, minus  any credits
posted to Y our Card Account during the same billing cycle for returns, char gebacks, or any other adjustments.
"Program " means the Mission Lane Cash Back Program described in the Program T erms.
"Program T erms " means these Mission Lane Cash Back Program T erms, as amended from time to time.
"Qualifying Pur chase(s) " means the dollar amount of purchases of goods or services Y ou make with Y our Card, including sales tax, rounded up or
down, as applicable to the nearest whole dollar amount. Fees, interest char ges, cash advances, balance transfers, purchases of traveler's checks,
reloading of prepaid cards or other cash equivalents, and purchases made when Y our Card Account is not in Good Standing, are NOT "Qualifying
Purchases. " We reserve the right to determine in Our sole discretion whether a particular transaction is a Qualifying Purchase.
"TAB Bank " means T ransportation Alliance Bank, Inc., a bank chartered under the laws of the state of Utah and headquartered in Ogden, Utah, the
issuer of Y our Card.
"We", "Our", and "Us" means T AB Bank as the issuer of Y our Card, or Mission Lane in its capacity as servicer of Y our Card, and any assignee
or successor of either of their respective rights.
"Website " means www .missionlane.com/cash-back-terms
"You" and "Your" means the person to whom the Card is issued.