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                              TODAY CARD  CREDIT CARD AGREEMENT 
                                   Effective Date: 9/16/2020  
                                            
           There are three parts to this Today Card Credit Card Agreement: 
             1.  The Today Card Pricing Information, 
             2.  Things You Should Know About This Card, which appear on your card mailer, and 
             3.  The Today Card Customer Agreement below. 
           Please read the entire Today Card Credit Card Agreement carefully, as it contains important 
           information related to your Today Card Credit Card. 
                                                                         
           This Agreement contains an Arbitration provision. Unless you reject the Arbitration   
           provision within sixty (60) days of account opening, it will have a substantial effect   
           on your rights if you have a dispute with us.  See Section 24 below for details.   
                                                                         
                               TODAY CARD PRICING INFORMATION 
           Interest Rates and Interest Charges 
           Annual Percentage Rate (APR) for 
                                  32.25%. These APRs will vary with the market, based on the 
           Purchases  
                                  Prime Rate. 
           Paying Interest        Your payment due date is at least 25 days after the close of each 
                                  billing cycle. We will not charge you any interest on new 
                                  purchases if you pay your entire new balance in full by the 
                                  payment due date each month.  
           Minimum Interest Charge  If you are charged interest, the interest charge will be no less 
                                  than $1.00. 
           For Credit Card Tips from the  To learn more about factors to consider when applying for or 
           Consumer Financial Protection  using a credit card, visit the website of the Consumer Financial 
           Bureau                 Protection bureau at 
                                  http://www.consumerfinance.gov/learnmore. 
                                   
           Fees  
           Set up and Maintenance Fees   
              �  Annual Fee        $120 (billed at $10.00 monthly)  
                                   
              �  Additional Card Fee   $10 per card (one-time fee for card requested for authorized 
                                  users of the account) 
                                   
           Transaction Fees 
                                   
              �  Foreign Transaction Fee  3% of each transaction in U.S. dollars 
            
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           Penalty Fees 
                                   
              �  Late Payment     Up to $40 
                                   
              �  Returned Payment  Up to $40 
            
           How We Will Calculate Your Balance:  We use a method called �average daily balance (including new 
           transactions).� See your Credit Card Agreement and Disclosure for more details. 
           Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
           provided in your Credit Card Agreement. 
                            THINGS YOU SHOULD KNOW ABOUT THIS CARD 
           Can You Change My Account Terms? We can change the terms of your account as permitted by law. 
           When required, we will send you notice before doing so. 
           How Do You Calculate Variable Rates?  The APR is a variable rate equal to the Prime Rate plus the 
           margin shown on the card mailer. The �Prime Rate� is the U.S. Prime Rate published in The Wall Street 
           Journal on the last business day of the month. An increase or decrease in the Prime Rate will cause a 
           corresponding increase or decrease in your variable APR on the first day of your billing cycle that begins 
           in the month immediately following the change in the Index. If your APR increases, the amount of 
           interest charge you will owe and the minimum payment may increase.  
           How Do You Calculate my Interest Charge? We calculate your interest charge by multiplying the 
           average daily balance (calculated as described in your Credit Card Agreement) by the applicable Daily 
           Periodic Rate, and then multiplying that by the number of days in your billing cycle. 
           How Can I Avoid Paying Interest Charges? If you pay your new balance listed on your statement in full 
           by the payment due date, we will not charge interest on any new transactions that post to the purchase 
           balance. If you have been paying your account in full with no interest charges, but then you do not pay 
           your next new balance in full, we will charge an interest charge on the portion of the balance that you 
           did not pay. This means that you may owe interest charges even if you pay the entire new balance one 
           month, but did not do so for the previous month.  
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                              TODAY CARD  CREDIT CARD AGREEMENT 
           This Customer Agreement including any changes to it (the �Agreement�) contains the terms that govern 
           our issuance and your use of your card. By applying for, activating and using your account, you are 
           agreeing to comply with this Agreement. The Today Card is a consumer credit product intended for 
           personal, family or household purposes. 
           1.   DEFINITIONS:  The meanings of the terms you see in italics are defined below: 
             �  Account is your Today Card credit card account with us. 
             �  Application is the submission of your financial information for the purposes of obtaining an 
             extension of credit. It is the credit application you submitted to us to obtain your account. 
             �  APR is Annual Percentage Rate. 
             �  Authorized user is a person that you have permitted to make purchases under the account but is 
             not responsible for repayment. 
             �  Available credit is the amount of your credit limit available for you to use to make purchases. 
             �  Balance is the total amount you owe us on your account. 
            
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             �  Billing cycle is the interval between the days or dates of your statements. The billing cycle may 
             vary in length, but it occurs monthly, even if a statement is not required. 
             �  Business day is the days we are open for business.  Typically, Monday through Friday, excluding 
             federal holidays. 
             �  Card is any Today Card credit card associated with your account. This includes all renewals and 
             substitutions. It also means any other access device for your account that allows you to obtain 
             credit, including any account number. 
             �  Credit limit is the maximum amount of credit we have approved for your account. 
             �  Fees are charges imposed on your account not based on the APR. 
             �  Grace period is the date by which or the period within which any credit extended may be repaid 
             without incurring a finance charge due to a periodic interest rate and any conditions on the 
             availability of the grace period. 
             �  Interest charge is any amounts billed to your account based on the application of APR. 
             �  Minimum payment is the amount you agree to pay each billing cycle to keep your account 
             current. 
             �  Payment due date is the date your payment is due, as provided in each of your statements. 
             �  Payment method is the instrument by which you make your payment.  We accept payment in 
             U.S. dollars, by electronic payment (ACH or debit card) or by mailing your personal check or money 
             order, along with the payment stub from your statement, to the address shown on that statement. 
             �  Purchase is a purchase of goods or services using your card. 
             �  Statement is the periodic statement you will receive for each billing cycle, showing the 
             transactions and fees and interest charges during that billing cycle. 
             �  We, us or our is Capital Community Bank, the issuer of the Today Card, and its agents, 
             authorized representatives, successors, and assignees. 
             �  You or your is each person who applied for and opened the account, any person who agrees to 
             be responsible for paying the account, and any person responsible for complying with this 
             Agreement. 
                                     A.   YOUR ACCOUNT 
           2.   DOCUMENTS:  The following documents govern your account with us: 
                �    this Agreement; 
                �    all statements; 
                �    any privacy notices; 
                �    all disclosures and materials provided to you before or when you opened your account; 
                �    any other documents and disclosures relating to your account, including those provided 
                     online and on your card mailer; and 
                �    any future changes we make to any of the above, to the extent permitted by law. 
           3.   ACCOUNT INFORMATION:  We need certain information about you to manage your account, 
           including: 
                �    your legal name; 
                �    a valid U.S. mailing address (your residence); 
                �    your date of birth; 
                �    your Social Security number or other government identification number; 
                �    your telephone number(s); and 
                �    your employment and income information. 
           You must tell us when this information changes. We may ask you for additional documents to verify any 
           changes. We may restrict or close your account if we cannot verify your information, or if you do not 
           provide it as requested. 
            
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           4.   VERIFICATION OF INFORMATION:  You authorize us to obtain and/or use information about you 
           from outside third parties, including credit reporting agencies, to: (1) verify your identity; (2) determine 
           your income and creditworthiness when you apply; (3) verify your current creditworthiness in order to 
           present future credit limit adjustments; (4) qualify you for special offers; and (5) collect amounts you 
           owe. 
           5.   CREDIT LIMIT:  The amount of your credit limit is disclosed to you on your card mailer and will 
           also be shown on each of your statements. If you make all your payments on time, meet our debt-to-
           income requirements, keep your account in good standing and maintain your credit profile, you may be 
           eligible to receive future credit limit increases. We have the right to change your credit limit from time to 
           time, and if we do so, we will tell you. You agree not to make any purchase that would cause your 
           outstanding balance to exceed your credit limit. We may, but are not obligated to, extend credit to you 
           in an amount that exceeds your credit limit. You must pay us on demand any amount of credit we 
           extend that exceeds your credit limit. If we extend credit over your credit limit, we will not be required 
           to do so again, and it is not a waiver of any of our rights. We may restrict your ability to make additional 
           purchases if you exceed your credit limit.  
           6.   SERVICING COMMUNICATIONS:  By providing us with your telephone number(s), you consent 
           and authorize us to contact you regarding your account at such number(s). We may contact you by using 
           any lawful means of communication, including, but not limited to, calls placed to your mobile or other 
           phone using an automated dialing service, pre-recorded message or text message. Standard text 
           messaging and/or calling charges may apply. By providing us with your e-mail address, you agree to 
           receive correspondence electronically from us. We may communicate with you by e-mail for any lawful 
           business purpose. You authorize us to listen to and record telephone calls with you to evaluate the 
           quality of service or for any other lawful purpose, if permitted under applicable law. 
           At application you provided your consent to receive electronic disclosures. You must notify us if your, 
           email address changes. To notify us of your new email address, please update your contact information 
           on the Personal Information page of your online account at www.todaycard.com, or call us at 1-833-204-
           2600. You may obtain a paper copy of a Disclosure we have provided by; printing it yourself, calling 1-
           866-686-2123 or writing us at: PO Box 84032 Columbus, GA 31908-4032. There is no fee for the delivery 
           of paper copies of any Disclosure provided to you electronically under this agreement, excluding a 
           statement, for which you will incur a Paper Statement Fee.  You have the right to withdraw your consent 
           to receive disclosures electronically; however, if you do you will incur a Paper Statement Fee per 
           statement that we mail to you. Note: that it may take up to the three business days from receipt to 
           process your withdrawal request. 
           7.   CARD USAGE:  You may use your account to make purchases of goods or services from 
           merchants where the card is accepted.  Each purchase you make will reduce your available credit until it 
           is repaid.  You may not use your card for any illegal purposes.  You agree that we will have no liability if 
           (1) a merchant refuses to honor your card, (2) technical difficulties prevent a transaction from being 
           authorized, (3) authorization is declined because your account is over the credit limit or delinquent, or 
           (4) credit has been restricted because of any term of this Agreement. 
           8.   AUTHORIZED USERS:  At your request, and at our discretion, we may issue an additional card in 
           the name of an authorized user. Such card may have a different card number but can be used to make 
           purchases under your account. By designating an authorized user, you agree that (1) you will be solely 
           responsible for the use of your account by an authorized user, including any transactions made by the 
           authorized user and any interest charges or fees that result; (2) we reserve the right to terminate the 
           privileges of an authorized user; and (3) you can request the removal of the authorized user by 
           contacting us at any time, as outlined below. If we receive conflicting instructions from one or more 
           users of your account, or if we have reason to believe there is a dispute between users, we may: (1) 
           refuse to act on any conflicting instructions; (2) restrict the account and deny access to all users until the 
            
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           dispute is resolved; or (3) terminate the account. We may allow you to set different spending limits for 
           authorized users (up to the maximum credit limit of your account), and any transactions will be 
           separated by authorized user on your statement. 
           Removing an authorized user:  If you want to remove an authorized user from your account, you must 
           contact customer service at 1-866-686-2123 to request their removal. You also must immediately destroy 
           all cards in their possession and cancel any arrangements they may have set up on your account. They 
           will be able to use your account until you have notified us that you are removing them from your 
           account. During this time, you will still be responsible for all amounts they charge to your account. You 
           will be responsible even if these amounts do not appear on your account until later. Authorized users 
           may remove themselves from your account upon request. We reserve the right to remove them from 
           your account for any reason. To remove them from your account, we may close your existing account 
           and issue a new card with a new account number. 
           9.   LOST OR STOLEN CARDS:  If any card is lost or stolen, or if you believe your account may be used 
           without your authorization, you must notify us immediately by calling us at 1-866-686-2123 or writing us 
           at P.O. Box 84032, Columbus, GA 31908-4032. You will not be liable for any unauthorized use that 
           occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your 
           notice to us. 
           10.  FOREIGN CURRENCY TRANSACTIONS:  If a transaction is made in a foreign currency, the 
           company processing that transaction will convert the transaction into a U.S. dollar amount, and we will 
           charge your account for the converted amount. The currency exchange will be done by a method and at 
           a rate determined by the company that processes the transaction. The exchange rate in effect on the 
           processing date may be different from the exchange rate in effect on the transaction date or the posting 
           date. If you make a return or get a refund, the same procedures apply. 
           11.  USING A PIN:  We may give you a personal identification number (PIN) that may be needed for 
           some foreign transactions. The PIN cannot be used for cash advances. For security reasons, you may 
           have to provide the PIN before you are able to use your card. Keep your PIN secure. Do not write it 
           down, give it to anyone, or keep it with your card. If you lose your card or believe the confidentiality of 
           your PIN has been compromised for any reason, you must contact Customer Service at 1-866-686-2123 
           immediately. 
           12.  SPECIAL OFFERS:  We may, at our discretion, make special offers to you at any time. Such offers 
           may apply to all transactions or balances on your account, or only to some transactions or balances. We 
           will provide to you the terms of any special offer and tell you how they differ from this Agreement. 
           Except as provided in any special offer, the rest of this Agreement will still apply to your account. 
           13.  CREDIT REPORTING:  We may report information about your account to credit bureaus and 
           others. Late payments, missed payments, or other defaults on your account may be reflected in your 
           credit report. Information we provide may appear on your and the authorized users� credit reports. 
           If you believe that we have reported inaccurate information about your account to a credit bureau or 
           other consumer reporting agency, notify us in writing at Today Card, Attn: Disputes, P.O. Box 84032, 
           Columbus, GA 31908-4032. When you write, tell us the specific information that you believe is incorrect 
           and why you believe it is incorrect. 
           14.  CLOSING OR SUSPENDING YOUR ACCOUNT:  You may contact Customer Service at 1-866-686-
           2123 to ask us to close your account at any time for any reason. We may reduce the credit limit or 
           terminate your ability to make purchases or receive additional credit under this Agreement at any time 
           without notice, unless notice is required by law, even if you are not in default. If we close or suspend 
           your account for any reason, you must stop using your card. You must also cancel all recurring billing 
           arrangements set up on the account. If we close or permanently suspend your account, you must 
           destroy all cards. 
            
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           If your ability to receive additional credit under this Agreement is terminated, either by you or by us, 
           your obligations and our rights under this Agreement remain effective until all amounts due under this 
           Agreement have been paid in full. If you are not in default at the time of termination, you may pay off 
           any balance under the terms of this Agreement that apply at that time. 
           15.  DEFAULT:  You will be in default under this Agreement if any of the following events occur: 
           (1) you fail to make any payment required under this Agreement when due; (2) you fail to perform any 
           of your obligations under this Agreement; (3) you exceed the credit limit or available credit according to 
           our records; (4) you provide false, inaccurate or misleading information to us; (5) any action is taken by 
           or against you under any bankruptcy or insolvency laws; (6) you are declared incompetent or are 
           deceased; (6) you fail to maintain the security of your account; (7) you use any robot, software, other 
           automatic device, or manual process to disrupt the functionality or compromise the security of our 
           website and systems; or (8) anything else happens that causes us, in our sole discretion, to reasonably 
           believe that your account may not be repaid.   
           If you default, all amounts you owe under this Agreement will become immediately due and payable in 
           full. You also must also destroy all cards issued to you in connection with the account. Default does not 
           release you from any obligation you have agreed to under this Agreement. After default, your 
           obligations and our rights under this Agreement will remain effective until all amounts due under this 
           Agreement have been paid in full. 
                                B.   BILLING, FEES & STATEMENTS 
           16.  INTEREST, FEES AND CHARGES 
             �  Grace Period; Paying Interest:  Your payment due date is at least 25 days after the close of each 
             billing cycle. If you pay the new balance, as provided on your statement, in full by the payment due 
             date on your statement, we will not charge interest on any new transactions that post to the 
             purchase balance. If you have been paying your account in full with no interest charges, but then fail 
             to pay your next new balance in full, we will charge interest on the portion of the balance that you 
             did not pay. 
             �  Computing Interest:  The interest charge calculation begins on the date a transaction is made, 
             subject to any applicable grace period. Interest charges accrue on every unpaid amount until paid in 
             full. We use a method called �average daily balance (including new purchases)� to calculate interest 
             charges. This balance is figured by adding the outstanding balance (including new purchases and 
             deducting payments and credits) for each day in the billing cycle, and then dividing by the number of 
             days in the billing cycle. If you are charged interest charges, the charge will be no less than $1.00. 
             �  Interest Rate:  We calculate the Daily Periodic Rate by dividing the applicable APR by 365. The 
             interest rates that apply to your account are shown on the account Opening Disclosures that 
             accompany your card mailer and each statement. The APR is a variable rate equal to the Prime Rate 
             plus the margin shown on the card mailer. The �Prime Rate� is the U.S. Prime Rate published in The 
             Wall Street Journal on the last business day of the month. Your APR is variable and can go up or 
             down as the index for the rate goes up or down. If we increase your APR for any other reason, we 
             will notify you as required by law. If your APR increases, the amount of interest charges you will owe 
             and the minimum payment may increase. 
             �  Other Charges and Fees:  You agree to pay the following fees, as applicable:  
                o  Set-Up and Maintenance Fees:  
                   -  Annual Fee. The amount of your annual Fee is shown on your card mailer. The annual 
                     Fee will be billed to your account starting when we issue the card and will continue 
                     throughout the duration of your account. Payment of the fee is a condition for 
                     maintaining the account. The fee will be charged regardless of whether you use your 
                     account and is not refundable even if your account is closed for any reason by either 
            
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                     you or us.  We may, at our discretion, elect to reduce your annual fee for on time 
                     payment history.  
                   -  Additional Card Fee. $10.00 for each additional card requested for authorized users of 
                     the account. 
                o  Transaction Fees: 
                   -  Foreign Currency Transaction Fee. Three percent (3%) of the U.S. dollar amount of any 
                     transaction made in a foreign currency. We may charge this Fee for each transaction 
                     (including returns and refunds) at the time the transaction is posted to your account. 
                     For additional information, see Section 10 - Foreign Currency Transactions above. 
                o  Penalty Fees: 
                   -  Late Payment Fee. Up to $29.00 if we do not receive at least the minimum payment by 
                     the payment due date (or the next business day if your payment due date is not on a 
                     business day).  We may charge up to $40.00 for the second late payment within the 
                     same or the next six (6) billing cycles. This fee will never be more than the full amount 
                     of the minimum payment on your previous statement. 
                   -  Returned Payment Fee. Up to $29.00 if a check or similar instrument or any debit for 
                     payment on your account is returned unpaid for any reason. We may charge up to 
                     $40.00 for the second payment that is returned unpaid within the same or the next six 
                     (6) billing cycles. This fee will never be more than the full amount of the minimum 
                     payment on your previous statement. 
                o  Other Fees:   
                   -  Paper Statement Fee. $5.00 for each paper copy of a monthly statement requested.   
                     Fast Card Fee. $25.00 for expedited processing of a new or additional card. 
           17.  STATEMENTS:  We will send you a statement at the end of each billing cycle if your account then 
           has a credit or debit balance, or we are required to do so by applicable law. You should review your 
           statement as soon as you get it and tell us immediately about any errors or questions you have (as 
           provided in Section 18 - Your Billing Rights below). Along with other information, each statement will 
           show all transactions during your billing cycle, your new balance, the minimum payment, and your 
           payment due date. Your statement is available electronically at www.todaycard.com. We will send 
           notification of your statements to the most recent email address and your mailing address if you choose 
           to receive paper statements. You agree to notify us promptly of any changes to your address or email 
           address. 
           18.  YOUR BILLING RIGHTS � KEEP THIS NOTICE 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 P.O. Box 84032, Columbus, GA 31908-4032 
           as soon as possible. In your letter, give us the following information: 
           �    account information: Your name and 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. 
            
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           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: 
           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 the amount.  
           �    The charge in question may remain on your statement, and we may continue to charge you 
                interest charges 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 charges 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 charges 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 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.   You must have used your credit card for the purchase.   
           2.   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 
           Today Card, Attn: Billing Dispute P.O. Box 84032, Columbus, GA 31908-4032. 
           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.  
                                      C.   PAYMENTS 
           19.  PROMISE TO PAY:  You promise to pay us all amounts due on your account, as provided in your 
           monthly statement. This includes amounts where you did not sign a purchase slip or other documents 
           for the transaction, and transactions you make without presenting your card. If you let someone else use 
            
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           your card or account, including an authorized user, you are responsible for all transactions that other 
           person makes.   
           20.  MINIMUM PAYMENTS:  You may pay your entire balance at any time without penalty. You must 
           pay the minimum payment each billing cycle by the payment due date.  
                �  If the new balance shown on your statement for any billing cycle is less than $30.00, the 
                  minimum payment for that cycle will equal the new balance.  
                �  If the new balance for any billing cycle equals or exceeds $30.00, the minimum payment for 
                  that cycle will be the greater of:  
                     o  $30.00 or  
                     o  the sum of:  
                          ?  (1) five percent (5%) of the new balance (subtracting any unpaid interest 
                            charges or unpaid fees for the current billing cycle); plus 
                          ?  (2) the total of any unpaid interest charges and unpaid fees.  
                   Plus, any unpaid Minimum Payments Due from earlier billing cycles and any amount of 
                   your new balance that exceeds your credit limit.  
           You will not owe us any additional charge for early payment. You may pay more than the minimum 
           payment at any time without penalty. If you pay more than the minimum payment in one billing cycle, 
           you still must pay the full minimum payment in each billing cycle. You cannot increase your available 
           credit by paying more than the unpaid balance on the account. 
           21.  MAKING PAYMENTS:  Each payment required under this Agreement must be made on or before 
           the payment due date shown on your monthly statement. You must pay us in U.S. dollars, by electronic 
           payment (ACH or debit card) or by mailing your personal check or money order, along with the payment 
           stub from your statement, to the address shown on that statement. Do not send cash. If you do not 
           follow these instructions, we may not be able to credit the payment for up to five (5) business days after 
           we receive it. All payments on the account received by 5:00 p.m. during our normal business day at the 
           address shown on your statement are considered to have been made on the date received at that 
           address. We will apply your payments to the unpaid balance of the account in the order and manner we 
           decide, unless restricted by an applicable law. 
           22.  POSTDATED CHECKS AND IRREGULAR PAYMENTS:  You agree that we will not examine any 
           payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
           payment to us on the day we receive it. Any payment submitted in offer of settlement of a disputed 
           debt, including any check containing a notation such as �paid in full,� must be sent to the following 
           address: P.O. Box 2166, Columbus, GA 31902-2166. If you do not forward any check or other payment 
           marked �paid in full� to the above address, we can accept late payments or partial payments, or checks 
           or other payments marked with similar notations, without losing any of our rights under this Agreement, 
           including our right to seek payment of the full balance of your account. 
           23.  CREDIT BALANCES:  We may reject any payment that creates or adds to a credit balance on your 
           account.  Any credit balance we allow will not be available until your payment has cleared, and we may 
           reduce the amount of any credit balance by any new purchases.  You can write to the address provided 
           on your statement or call Customer Service to request a refund of any available credit balance. 
                                   D.   LEGAL DISCLOSURES 
           24.  ARBITRATION AGREEMENT:  
           Both parties to this Agreement voluntarily agree to arbitrate any claim, as defined below, covered by 
           this Agreement, and thereby waive any right to a jury trial or court proceedings or participate in a class 
           action unless this arbitration provision is rejected as explained below. This arbitration provision does not 
           apply to �covered borrowers� as defined in the Military Lending Act. 
            
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           READ THIS ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW 
           LEGAL CLAIMS ARE RESOLVED. YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS 
           DESCRIBED BELOW.  
           If you do not reject this Arbitration Provision and a Claim is arbitrated, neither you nor we will have the 
           right to: (1) have a court or a jury decide the Claim; (2) engage in information-gathering (discovery) to 
           the same extent as in court; (3) participate in a class action, private attorney general or other 
           representative action in court or in arbitration; or (4) join or consolidate a Claim with claims of any other 
           person. The right to appeal is more limited in arbitration than in court and other rights in court may be 
           unavailable or limited in arbitration. 
           (a) Special Definitions: As used in the Arbitration Provision, the terms �we,� �us� and �our� mean Capital 
           Community Bank and its successors and assigns and any of its employees, officers and directors. �You� 
           means you the cardholder(s) and any authorized users. 
           (b) Your Right to Reject:  If you don�t want this Arbitration Provision to apply, you may reject it by 
           mailing us a written rejection notice which contains all of the following:  (i) the date of this Agreement; 
           (ii) your names, addresses and phone numbers; and (iii) a statement that you reject the Arbitration 
           Provision of this Agreement. The rejection notice must be sent by certified mail, return receipt 
           requested, to P.O. Box 84032, Columbus, GA 31908-4032. A rejection notice is only effective if it is 
           signed by you and if we receive it within sixty (60) days after the date of this Agreement. If you reject 
           this Arbitration Provision, it will not affect any other provision of this Agreement. If you don�t reject this 
           Arbitration Provision, it will be effective as of the date of the Agreement.  
           (c) Federal Arbitration Act: The parties agree and acknowledge that this Arbitration Provision and this 
           Agreement evidence a transaction involving interstate commerce and, therefore, a federal statute, the 
           Federal Arbitration Act (Title 9 of the United States Code) (�FAA�), shall govern the interpretation and 
           enforcement of this Arbitration Provision and proceedings pursuant thereto. To the extent state law is 
           applicable under and is not preempted by the FAA, the law of the state applicable under the paragraph 
           of this Agreement titled �Governing Law� shall apply. 
           (d)  What Claims Are Covered:  �Claim� means any claim, dispute or controversy between you and us, 
           whether preexisting, present or future, that in any way arises from or relates to this Agreement. �Claim� 
           has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-
           party claims, federal, state, local and administrative claims and claims which arose before the effective 
           date of this Arbitration Provision. It includes disputes based upon contract, tort, consumer rights, fraud 
           and other intentional torts, constitution, statute, regulation, ordinance, common law and equity and 
           claims for monetary damages and injunctive or declaratory relief. �Claim� includes any dispute or 
           controversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any part 
           thereof, to the extent permitted by law.  
           (e)  Electing Arbitration; Starting an Arbitration Proceeding:  Either you or we may elect to arbitrate a 
           Claim by giving the other party written notice of the intent to arbitrate the Claim or by filing a motion to 
           compel arbitration of the Claim. This notice may be given before or after a lawsuit has been filed 
           concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by 
           papers filed in the lawsuit.   
           (f)  Choosing the Administrator:  The arbitration administrator will be: American Arbitration Association 
           (�AAA�), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org 1-800-778-7879; or JAMS, 620 
           Eight Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, 1-800-352-5267. You may contact 
           these organizations directly if you have any questions about the way they conduct arbitrations or want 
           to obtain a copy of their rules and forms (which are also available on their websites). However, if the 
           AAA and JAMS are unable or unwilling to serve as administrator, the parties may agree upon another 
            
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           administrator or, if they are unable to agree, a court shall select the administrator or arbitrator. No 
           company may serve as administrator, without the consent of all parties, if it adopts or has in place any 
           formal or informal policy that is inconsistent with and purports to override the terms of the Class Action 
           Waiver in this Arbitration Provision.  
           (g) The Arbitrator: A single arbitrator will be appointed by the administrator and must be a practicing 
           attorney with ten or more years of experience or a retired judge. 
           (h)  Class Action Waiver:  Notwithstanding any other provision of this Agreement,  neither you nor we 
           will have the right: (a) to participate in a class action, private attorney general action or other 
           representative action in court or in arbitration, either as a class representative or class member; or (b) to 
           join or consolidate Claims with claims of any other persons (thus, Claims brought by or against one 
           Customer (or Co-Customer) may not be joined or consolidated in the arbitration with Claims brought by 
           or against any other Customer).  No arbitrator shall have authority to conduct any arbitration in 
           violation of this provision or to issue any relief that applies to any person or entity other than you and/or 
           us individually. If the Class Action Waiver is limited, voided or found unenforceable, then this Arbitration 
           Provision (except for this sentence) shall be null and void with respect to such proceeding, subject to the 
           right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and 
           agree that under no circumstances will a class action be arbitrated. 
           (i)  Location of Arbitration:  Any arbitration hearing that you attend must take place at a location 
           reasonably convenient to your residence. 
           (j)  Cost of Arbitration:  At your written request, we will pay all filing, hearing and/or other fees charged 
           by the administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after 
           you have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court 
           (whichever is less) in the judicial district in which you reside. In addition, the administrator may have a 
           procedure whereby you can seek a waiver of fees charged to you by the administrator and arbitrator. 
           We will always pay any fees or expenses that we are required to pay by law or the administrator�s rules 
           or that we are required to pay for this Arbitration Provision to be enforced. We will not ask you to pay or 
           reimburse us for any fees we pay the Administrator.   
           (k)  Severability and Survival:  If any part of this Arbitration Provision, other than the Class Action Waiver, 
           is deemed or found to be unenforceable for any reason, the remainder shall be enforceable. This 
           Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, any legal 
           proceeding and any bankruptcy by you, to the extent consistent with applicable bankruptcy law.    
           (l)  Small Claims Courts. All parties retain the right to seek adjudication in a small claims court for 
           disputes within the scope of such court�s jurisdiction.   
           25.  CHANGE IN TERMS:  We may change any term of this Agreement or add new terms to this 
           Agreement at any time upon notice to you as required by law. At our option, any change will apply both 
           to new activity and to your outstanding balance, as permitted by law. 
           26.  CHANGES TO YOUR AGREEMENT:  At any time, we may add, delete or change any term of this 
           Agreement, unless the law prohibits us from doing so. We will give you notice of any changes as 
           required by law. We may notify you of changes on your statement or in a separate notice. Our notice will 
           tell you when and how the changes will take effect. The notice will describe any rights you have in 
           connection with the changes. Your variable APR can go up or down as the index for the rate goes up or 
           down.  
           27.  NOTICES:  Any notices given under this Agreement or relating to the account will be effective 
           only if given in writing to us at P.O. Box 84032, Columbus, GA 31908-4032, and to you at your current 
           address or email address shown on our records. You agree to notify us immediately if your address or 
           email address changes from what you provided on your application. 
            
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           28.  ASSIGNMENT:  This Agreement will be binding on, and benefit, any of your and our successors 
           and assigns. You may not sell, assign or transfer your account or this Agreement to someone else 
           without our written permission. We may sell, assign or transfer your account and this Agreement 
           without your permission and without prior notice to you. Any assignee or assignees will take our place 
           under this Agreement. You must pay them and perform all of your obligations to them and not us. If you 
           pay us after we notify you that we have transferred your account or this Agreement, we can return the 
           payment to you, forward the payment to the assignee, or handle it in another way that is reasonable. 
           29.  WAIVER:  We will not lose any of our rights if we delay or choose not to take any action for any 
           reason. We may waive our right without notifying you. For example, we may waive your interest charges 
           or fees without notifying you and without losing our right to charge them in the future. 
           30.  GOVERNING LAW; SEVERABILITY:  This Agreement and your account will be governed by 
           (1) federal law, and (2) to the extent not preempted by federal law, the laws of Utah, without regard to 
           its conflicts of law provisions. We accepted this Agreement in Utah. If any provision of this Agreement 
           conflicts with the law, you agree the provision will be viewed as if it was amended to comply with the 
           law. If that is not possible, then only the provision that conflicts with the law will be deleted. The 
           remaining provisions of this Agreement will remain effective. 
           31.  STATE LAW DISCLOSURES: 
           Maryland Residents:  You have the right under section 12-510 of the Commercial Law Code to receive 
           an answer to a written inquiry concerning the status of your account. Finance charges will be imposed in 
           amounts or at rates not in excess of those permitted by law. 
           New Jersey Residents:  Because certain provisions of this Note are subject to applicable laws, they may 
           be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, 
           unenforceable or inapplicable in New Jersey.  
           Wisconsin Residents:  No provision of a marital property agreement, a unilateral statement under 
           section 766.59 or a court decree under section 786.70 adversely affects the interest of the creditor 
           unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, 
           statement or decree or has actual knowledge of the adverse provision when the obligation to the 
           creditor is incurred. 
           Cardmembers:  Your signature (including any digital or electronic signature), address and the date on 
           the application, or other evidence of indebtedness, or your acceptance of these Terms and Conditions 
           through an electronic transmission to us represents your signature, address and the date on these 
           Terms and Conditions, which are incorporated herein by reference.   
           Retail Installment Credit Agreement 
           NOTICE TO THE BUYER - 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT 
           CONTAINS BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT 
           AGREEMENT. 3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT, OR YOUR ENTIRE 
           BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE FOR PREPAYMENT. 
            
            
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