Republic Bank & Trust Company - Cardholder Account Agreement

The following terms and conditions govern the use of your Personal ScoreCard Account (“Account”) and any
Card or other Access Device (“Access Device”) issued by Republic Bank & Trust Company (“Issuer”).
1. RESPONSIBILITY. By signing or permitting others to sign the Card or credit application, or by using or
permitting others to use the Access Device or Account number, Customer named therein accepts these terms
and conditions and assumes responsibility for all credit extended through use of the Account, except that
Customer’s liability for unauthorized use will be limited as hereinafter provided. Any Access Device remains the
property of the Issuer and shall be surrendered upon Issuer’s request. The Account and its privileges are not
transferable by Customer and may be cancelled or revoked or the Credit Limit may be reduced or frozen by
Issuer at any time for any reason without notice subject to any legal provisions or requirements under applicable
law. Issuer has no responsibility for the refusal of any seller to honor the Account, or for merchandise or services
purchased through the use of the Account, other than Billing Rights. Transactions restricted by the Unlawful
Internet Gambling Enforcement Act of 2006 (UIGEA) are prohibited from being processed through the Account.
This prohibition became effective on December 1, 2009. Additional information can be obtained at 1-866-292-
0856.
2. UNAUTHORIZED USE, LOSS, OR THEFT. You must notify the Issuer of loss, theft or unauthorized use of
your Account by calling toll-free telephone number 1-866-292-0856, or in writing to Customer Service, P.O. Box
30495, Tampa, FL 33630 Attention: Security Department. After your notice of unauthorized use to us, your
liability will not exceed $50. An Issuer may, to the extent allowed under applicable law, increase the limit of the
Customer’s liability for unauthorized transactions only if the Issuer determines that the Customer was grossly
negligent or fraudulent in the handling of the Account or Card.
3. CREDIT LIMIT. Customer may use the Account to obtain credit for Purchases from authorized sellers, Cash
Advances, and Balance Transfers from any Bank Card lender. Purchases, Cash Advances, and Balance
Transfers shall also include charges approved by Issuer for Customer by means of other device, check or
program for credit transactions, including any INTEREST CHARGES that result in a charge to the Account.
Customer agrees not to incur charges to the Account which exceed the maximum credit authorized by the
Issuer. In the event the Customer incurs charges in amounts exceeding such maximum authorized credit, the
Customer shall pay immediately the amount by which the Total New Balance exceeds such maximum
authorized credit.
4. ACCOUNT USE. You aren’t permitted to use your Account for business purposes. If you do use your
Account for business purposes, this Agreement still applies, and you must pay us for those Transactions. You
may also have to pay us for any damages and/or expenses resulting from that use. In addition, we may close
your Account
5. UNLAWFUL TRANSACTIONS. You aren’t permitted to use your Account for unlawful Transactions. If you
do use your Account for unlawful Transactions, this Agreement still applies and you must pay us for those
Transactions. You also may have to pay the Card Network and/or us for any damages and expenses resulting
from that use. In additional, we may close your account.
6. PAYMENTS. Customer agrees to pay, in accordance with billings, indebtedness incurred for Purchases,
Cash Advances, Balance Transfers, any applicable INTEREST CHARGE, the Annual Fee, any Late Payment
Fee, and any other fees imposed from time to time pursuant to these terms and conditions, and in the event of
Customer’s breach or default in the performance of these terms and conditions, all additional costs and
expenses incurred by Issuer resulting therefrom including reasonable attorney fees. All payments by Customer
shall be made in U.S dollars. Issuer may place a reasonable hold on the crediting of check payments.
7. MOBILE PHONES OR OTHER DEVICES. Smart phones, tablets and other electronic devices can store your
Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions.
Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may
have separate terms of use. We’re not responsible if you violate those terms, or for any consequences resulting
from any violation.
8. PERIODIC STATEMENT AND PAYMENT SCHEDULE. Issuer will send to Customer a statement for each
billing cycle in which the Total New Balance (debit or credit) for Purchases, Cash Advances, and Balance
Transfers, exceeds $1.00 on the last day of the billing cycle or in which an INTEREST CHARGE has been
imposed. Customer must pay at least the minimum payment due disclosed on the statement which will be 2% of
the Total New Balance disclosed on the statement, or $15.00 whichever Is greater (or the portion of $15.00 that
is necessary to pay the Total New Balance in full) plus all indebtedness which exceeds the Credit Limit and all
amounts listed as “Past Due” on the Account. The minimum payment will be rounded up to the nearest whole
dollar amount. Payments in excess of the minimum payment amount or additional payments may be made at
any time but shall not affect Customer’s obligation to pay succeeding monthly payments so long as any amount
is due and owing on the Account. INTEREST CHARGES on the Purchases New Balance disclosed on any
monthly statement may be avoided by payment of either the Total New Balance or Purchases New Balance in
full on or before the Payment Due Date as disclosed on the monthly statement. If not so paid, INTEREST
CHARGES will be incurred on the principal portion of the Purchases New Balance as of the Statement Closing
Date as disclosed on the monthly statement, and INTEREST CHARGES will be incurred on the New Purchases
posted to the Account during the next billing cycle as of the date of posting of each. INTEREST CHARGES are
incurred on Cash Advances from the date the money is advanced until payment in full is received.
9. SCHEDULE OF FEES.
(a) Annual Fee. NONE
(b) Cash Advance Limit and Fee. Cash Advances are limited to the amount of the Credit Limit. An INTEREST
CHARGE will be computed on the amount of each Cash Advance as of the date of the transaction. The
INTEREST CHARGE will be either $3.00 or 3% of the Cash Advance, whichever is greater. Any Cash Advance
INTEREST CHARGE may increase the actual Annual Percentage Rate.
(c) International Transaction Fee. Transactions processed outside the United States will be charged an
International Transaction Fee of 3% of each transaction in United States dollars. See Section 20 for further
information.
(d) Balance Transfer Limit and Fee. A balance transfer fee (greater of $5.00 or 3% of the total dollar amount
transferred) will be applied to your Account when the requested transfer is processed. The Fee, and the transfer
transaction, will appear on your monthly Account Statement. Fees may increase your Minimum Amount Due on
your next monthly statement. See Section 11 for further information.
(e) Late Payment Fee. If a payment of at least the amount of the minimum required payment disclosed on the
periodic statement is not received by the Payment Due Date, a penalty fee up to $27.00 will be imposed.
(f) Over the Limit Fee. NONE
(g) Returned Payment Fee. If any check or other instrument given for payment of the Account is dishonored for
any reason, a penalty fee up to $27.00 will be imposed.
(h) Expedited Phone Payment. An Expedited Phone Payment Fee of $6.00 will be imposed if the payment
involves an expedited service by a service representative.
(i) Rush Card Fee: $25.00 Domestic, $100 International
(j) Reissue Fee. NONE
10. INTEREST CHARGE. The INTEREST CHARGE calculation method applicable to your Account for
Purchases, and Cash Advances that you obtain through the use of your Account or Card is the Average Daily
Balance (including new purchases) as specified on your monthly periodic statement and explained below:
Purchases. To avoid incurring additional INTEREST CHARGE on the balance of purchases reflected on your
periodic statement and, on any new purchases appearing on your next periodic statement, you must pay the

New Balance in full shown on your monthly statement on or before the Payment Due Date. The grace period for
the New Balance of purchases extends to the Payment Due Date. We calculate the INTEREST CHARGES for a
billing cycle by applying the monthly Periodic Rate to the Average Daily Balance of purchases. To get the
Average Daily Balance, we take the beginning balance of your account each day, add any new purchases and
subtract any payments, credits, non-accruing fees, and unpaid INTEREST CHARGES. This gives us the daily
balance. Then we add all the daily balances for the billing
cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance.
Cash Advances. The INTEREST CHARGE on Cash Advances begins from the date the Cash Advance is
posted to your account. There is no grace period. We calculate the INTEREST CHARGES for a billing cycle by
applying the monthly Periodic Rate to the Average Daily Balance of your account. To get the Average Daily
Balance, we take the beginning balance of your account each day, add any new cash advances, and subtract
any payments, credits, non-accruing fees, and unpaid INTEREST CHARGES. This gives us the daily balance.
Then we add all the daily balances for the billing cycle and divide the total by the number of days in the billing
cycle. This gives us the average daily balance.
Balance Transfer. The INTEREST CHARGE on Balance Transfers begins from the date the Balance Transfer
is posted to your account. There is no grace period. We calculate the INTEREST CHARGES for a billing cycle
by applying the monthly Periodic Rate to the Average Daily Balance of your account. To get the Average Daily
Balance, we take the beginning balance of your account each day, add any new cash advances, and subtract
any payments, credits, non-accruing fees, and unpaid INTEREST CHARGES. This gives us the daily balance.
Then we add all the daily balances for the billing cycle and divide the total by the number of days in the billing
cycle. This gives us the average daily balance.
Minimum Interest Charge. We will charge a minimum INTEREST CHARGE for purchases of $.50, a minimum
INTEREST CHARGE for Cash Advances of $3.00, and a minimum INTEREST CHARGE for Balance Transfers
of $5.00 for each billing period in which an INTEREST CHARGE is payable. The INTEREST CHARGE will be
added to your purchase balance, Cash Advance balance, or Balance Transfer.
11. BALANCE TRANSFER. Requests will be processed in the order in which you list them. The minimum
transferable amount is $100.00 per transfer. Up to three (3) balance transfers may be requested at one time. If a
balance transfer request is more than your Available Credit Limit we will automatically lower the balance transfer
amount to your Available Credit Limit and complete the transfer. Until your balance transfer(s) is posted, you may
need to continue making payments to your other accounts to keep them current. Balance transfers are not
subject to a grace period, and may take 1 to 2 weeks to process. Balance transfers can be used to pay off non-
credit card obligations; however, balance transfers cannot be used to pay off other Issuer obligations. Balance
Transfers are limited to the amount of the Credit Limit. An INTEREST CHARGE will be computed on the
amount of each Balance Transfer as of the date of the transaction. Upon request for balance transfer cardholder
will be required to complete and sign balance transfer form.
12. SCORECARD REWARDS. Customer will earn 1 point for each dollar on net purchase (purchase minus any
credits or returns) only. No points are earned for finance charges, fees, cash advances, ATM withdrawals,
foreign transaction currency conversion charges and convenience checks used to access your Account. Your
account must be open and in good standing (i.e., not cancelled, delinquent, terminated, over the limit, or
otherwise not available for your use as a payment method) at the time your order is received for processing.
Issuer reserves the right to suspend your participation in the Program until the Account is in good standing. The
Reward points will be applied to the earned months statement. Points have no cash value. Points cannot be
exchanged for cash or credit; used with any other offer, promotion or discount; combined with cash to obtain any
Awards; or earn from or transferred to any other credit card, account or rewards program, unless otherwise
specified. Points will expire 48 months from the time they are earned.
13. ANNUAL PERCENTAGE RATE. The INTEREST CHARGE on Purchases, Cash Advances, and Balance
Transfers will be computed by applying a monthly periodic rate computed as follows:

Monthly Periodic Rate
1/12 of Annual Percentage Rate

Corresponding Annual Percentage Rate
Prime Rate Plus 5.2% - 12.2%

The Annual Percentage Rate (“APR”) is a variable rate and will be based on your creditworthiness. The APR
shall be based on the highest Prime Rate listed in the Money Rate section of the Wall Street Journal on the 1st
day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day) and adding 5.2 -
12.2% to that rate, not to exceed 21%. Any change in the APR will go into effect on the first day of your new
billing cycle that follows the effective date, as herein defined, of the Wall Street Journal published Prime Rate
change. Any increase or decrease in the Prime Rate may result in an increase or decrease in the INTEREST
CHARGE imposed on your account and the minimum payment due.
14. ADDITIONAL CARDHOLDER(S). We may issue cards to Additional Cardholders approved by you.
Additional Cardholders may not have accounts with us but they are able to access and utilize your
Account subject to the terms of this Agreement. We may, in our discretion, report Additional Cardholders
when we report to credit reporting agencies regarding the Account. You are responsible for all use of your
Account by Additional Cardholders and anyone they allow to use your Account. You are responsible for all
charges made by Additional Cardholders. You authorize us to give Additional Cardholders information
about your Account. If you want to cancel an Additional Cardholder’s right to use your Account (and
cancel their Account card) you must give us a reasonable time to process the request. You may notify us
either in writing, verbally, or via electronic mail at:

Writing
Republic Bank
ATTN: Card Operations
601 West Market Street
Louisville, KY 40202

Verbally
1-866-292-0856

Electronic Mail
creditcard@republicbank.com

15. DEFAULT. The Account balance will, at Issuer’s option, become immediately due and payable, without
notice, in the event that (a) Customer becomes bankrupt or insolvent, or (b) Customer fails to make payments
due on the Account, incurs charges which exceed the maximum authorized credit limit or otherwise breaches the
Account terms or conditions, or (c) Issuer receives information which causes it to believe Customer is unwilling or
unable to perform under these Account terms and conditions, or (d) attachment or garnishment proceedings are
instituted against Customer. Failure by Issuer to assert any rights hereunder shall not waive such rights.
16. SECURITY. If Issuer already holds any security interest created in any previous transaction for any property
that secures other or further indebtedness of Customer to Issuer, such security interest will secure payment of
the Account balance. Notwithstanding contrary provisions of any obligation of Customer to Issuer, Issuer waives
any security interest which it has or may have in any property that is or becomes the principal dwelling of the
Customer or any other person as security for payment of the Account balance.
17. CREDIT INVESTIGATION. Customer authorizes Issuer at any time to make credit investigations which are
deemed necessary in Issuer’s discretion and Customer agrees to furnish financial statements which may be
requested at any time and in sufficient detail as Issuer may require.
18. CANCELLATION. Customer may cancel this Agreement upon notification in writing to Issuer. If the
Account is cancelled, Customer shall be responsible to pay all amounts due prior to such cancellation,
including amounts that have not yet been posted to Customers Account.
19. CHANGES TO THIS AGREEMENT. Issuer may amend or modify these terms and conditions at any time,
effective forty-five (45) days after written notice thereof is mailed to Customer. Any changes in these terms and
conditions, including, without limitation, changes in the ANNUAL PERCENTAGE RATE and the Periodic Rate,

shall be effective as to future Purchases, and Cash Advances. If required by applicable law, the notice will tell
you of any right you may have, and any steps you must take, to reject the changes. If you properly notify us that
you reject the changes, your Account will be closed and you will be obligated to pay your outstanding balance
under the terms of the Agreement in effect on the date you received the notice of changes. If you do not properly
notify us that you reject the changes by the date stated in the notice, you will be deemed to have accepted all
changes in the notice and to have accepted and confirmed all terms of your Agreement. Issuer may, in its sole
discretion, waive imposition of the Annual Fee, Late Payment Fee, or any other provision(s) of these Account
terms and conditions; however, Issuer shall have no obligation to do so, and any such waiver shall be limited to
the particular instance or transaction involved and shall not constitute a waiver or authorize the non-observance
of the same or any other provision of these Account terms and conditions on any other or future occasion.
20. INTERNATIONAL TRANSACTIONS. Purchases and Cash Advances occurring in foreign countries and
billed in foreign countries will be billed to your Account in U.S. dollars. Transactions processed outside the
United States will be charged an International Transaction Fee of 3%. The monetary exchange rate will be a rate
selected by the Card Network from the range of rates available in wholesale currency markets for the applicable
central processing date, which rate may vary from the rate the Card Network itself receives, or the government
mandated rate in effect for the applicable central processing date, plus the applicable International Transaction
Fee.
21. CHOICE OF LAW. Except to the extent superseded by Federal Law, this Agreement shall be subject to and
interpreted under the laws of the Commonwealth of Kentucky, with all interest and assessments authorized
pursuant to KRS 286.6.
22. CALL MONITORING. We may monitor and record any calls between you and us.
23. MERCHANT REFUNDS. A merchant refund to your Account will post to your Account as a credit. We don’t
control when a merchant sends an Account credit. We’ll choose how to apply the credit to your existing Account
balances. If a credit creates a credit balance on your Account, we’ll mail you a check for the amount of the credit
balance is outstanding for 180 days. Note: Some merchants, including merchants outside of the U.S., may
charge you a fee to use your Card for a Purchase. The fee will be either a percentage or the amount of your
purchase, or a flat fee, and will be added to the amount of your purchase. Usually, a merchant will tell you about
this fee before you use your Card, but not always. We don’t control theses fees, and can’t prevent them.
24. REOCCURING AUTHORIZED TRANSACTIONS. If you authorize a merchant or any other person to
charge your Account for reoccurring Transactions, you must notify the merchant if:






You want to discontinue these Transactions;
Your Account is closed;
Your Account number changes;
Your Card expiration date changes.

Republic Bank does use a service to notify merchants that have reoccurring payments setup that card
information has changed. Not all merchant participate in this service therefore you’re responsible for reinstating
and/or ensuring any reoccurring authorized Transactions are setup with the merchant directly.
25. CONSENT. When you give us your phone number, we have your permission to contact you at that number
about all your Republic Bank accounts. Your consent allows us to use artificial or prerecorded voice messages
and automatic dialing technology for informational and account service calls, but not for telemarketing or sales
calls. It may include contact from companies working on our behalf to service your accounts. If the phone
number you provide is your cell phone number, you give us consent to use text message in addition to the
communication methods listed above for informational and account service messages, but not for telemarketing
or sales messages. Message and data rates may apply. To opt-out of this service or update your preferences
call us at 1-888-584-3600 or write us at:

1. 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.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill
is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that
amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• 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.
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send you a statement 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 owe.

If 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, we 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 reported you as delinquent, and we must
let those organizations know when the matter has been settled between us. If we do not follow all of the rules
above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If 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 problem with the merchant, you may have the right not to pay the remaining
amount due on the purchase.

To use this right, all of the following must be true:

1. 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 been 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 company that sold you the goods or
services.)
2. You must have used your credit card for the purchase. Purchases made with Cash Advances from an ATM or
with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us
in writing at:

Contact Center
Republic Corporate Center,
601 West Market Street, Louisville, Kentucky 40202

Customer Service
PO Box 30495
Tampa, FL 33630

26. MILITARY LENDING ACT. The provisions of this section only apply to certain members of the Armed
Forces and their dependents. Federal law provides important protections to members of the Armed Forces and
their dependents relating to extensions of consumer credit. In general, 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 percent. This
rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance
premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged
(other than certain application fees for specified credit transactions or accounts); and any participation fee
charged (other than certain participation fees for a credit card account).’
27. CREDIT BALANCE. We will make a good faith effort to return to you any credit balance that has been on
your Credit Card Account longer than six consecutive Billing Cycles (or, in our discretion, for a shorter time
period). You may also request a refund of a credit balance on your Credit Card Account at any time by sending
your request to Card Operations 601 West Market Street, Louisville, KY 40202, by first class mail, postage
prepaid. We may reduce the amount of any credit balance on your Credit Card Account by applying the credit
balance towards new fees and charges posted to your Credit Card Account. We do not pay any interest on credit
balances.
28. YOUR BILLING RIGHTS.
Your Billing Rights: Keep This Document For Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:

Customer Service
PO Box 30495
Tampa, FL 33630

In your letter, give us the following information:
• Account information: Your name and last four (4) of the account number.
• Dollar amount: The dollar amount of the suspected error.
• 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.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the
amount you think is wrong. You must notify 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 pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

While we investigate, the same rules apply to the disputed amount as discussed 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
may report you as delinquent.

REV 01/01/2018

INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate (APR)
for Purchase

APR for Balance Transfers

APR for Cash Advances

Paying Interest

0% Introductory APR for 12 months from the date of first purchase when purchases are
completed within 60 days from the date of the account approval.
After that, 9.95%-16.95%, based on your creditworthiness at time of application.
After account approval, your APR can vary monthly with the market based on the Prime Rate
published in the Wall Street Journal.
0% Introductory APR for 12 months from the date of first transfer when transfers are
completed within 60 days from the date of the account approval.
After that, 9.95%-16.95%, based on your creditworthiness at time of application.
After account approval, your APR can vary monthly with the market based on the Prime Rate
published in the Wall Street Journal.
9.95%-16.95%
Based on your creditworthiness at time of application. After account approval, your APR can vary
monthly with the market based on the Prime Rate published in the Wall Street Journal.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any
interest on purchases if you pay your entire balance by the due date each month. We will begin
charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50 on purchases and $3.00 on cash
advances, Balance Transfers, or Checks.

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying or using a credit card, visit the website of
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Annual Fee

NONE

FEES

Transaction Fees
• Cash Advance Fee
• International Transaction Fee
• Balance Transfer Fee

Penalty Fees
• Late Payment Fee
• Over the Limit Fee
• Returned Payment Fee
Other Fees
• Expedited Phone Payment
• Rush Card Fee
• Reissue Fee

Either $3 or 3% of the amount of each cash advance whichever is greater.
3% of each transaction in U.S. dollars.
Either $5 or 3% of the amount of each transfer, whichever is greater.

Up to $27.
NONE
Up to $27.

$6
$25 Domestic/$100 International
NONE

How we will calculate your balance: We use a method called “average daily balance (including new purchases)”.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder
Account Agreement.

The information about the costs of the card described in this application is accurate as of the date below. This information may have
changed after that date. To find out what may have changed, write to us at:

Republic Bank & Trust Company
601 West Market Street | Louisville, KY 40202-2700
Rate updates as of 04/02/2018

The Annual Percentage Rate (“APR”) is a variable rate. The APR shall be based on the highest Prime Rate listed in the Monthly Rate
section of the Wall Street Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day)
and adding 5.2%-12.2% to that rate based on your credit worthiness at time of application, not to exceed 21%. Any change in the APR
will go into effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the Wall Street Journal
published Prime Rate change and may result in an increase or decrease in the INTEREST CHARGE imposed on your account.

Ohio Residents Only: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy
customers and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights
Commission administers compliance with this law.

REV 04/02/2018