January 2018 
                � SelfScore  Achieve Cardholder Agreement for Cards issued by Celtic Bank 
                � SelfScore  has partnered with Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC (together �us,� 
          �we,� �our,� or the like), to offer this credit card product, specifically designed for international and domestic 
          students studying in the United States (the �Card�). (Please note that Selfscore is also now known as Deserve, 
          Inc.) This Cardholder Agreement details the terms by which your Achieve Card will be offered and 
          administered. Please review this in detail to be sure you understand all of the terms and conditions with using 
          this Card. 
          There are three main parts to this Cardholder Agreement: Pricing Information, Customer 
          Agreement, and Your Billing Rights. The Pricing Information shows the primary pricing terms for this 
          Card for new accounts available under this Agreement. The Customer Agreement contains important 
          information related to how we will administer the credit card program. Plus, any other disclosures or notices 
          that are referenced or issued are part of this Agreement. Your Billing Rights summarizes certain rights 
          provided to you by law that are related to billing on your Account. 
           
                                            
                                    Pricing Information 
           Interest Rate and Interest Charges 
           Annual Percentage Rate (APR) for 
                                    0% intro for 6 months (180 days) from date of account 
           Purchases 
                                    opening.  After that, your APR will be 19.99%.  This APR will 
                                    vary with the market based on the Prime Rate.   
           APR for Balance Transfers  N/A (Balance Transfers are not available) 
           APR for Cash Advances    N/A (Cash Advances are not available) 
           How to Avoid Paying Interest  Your due date is at least 23 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.  
           Minimum Interest Charge  If you are charged interest, the 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 
           Annual Fee               None 
           Transaction Fees          
              ?  Balance Transfer     ?  N/A (Balance Transfers are not available) 
              ?  Cash Advance         ?  N/A (Cash Advances are not available) 
              ?  Foreign Transactions  ?  None 
           Penalty Fees              
              ?  Late Payment         ?  Up to $25 
              ?  Over-the-Credit Limit  ?  None 
              ?  Returned Payment     ?  Up to $37 
          How We Will Calculate Your Balance: We use a method called Average Daily Balance (including new 
          purchases). See Customer Agreement for details. 
          Loss of Introductory APR: We may end your introductory APR and apply the standard APR rate of 19.74% 
          if you make a late payment. 
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
          in your Customer Agreement. 
            
                                    Customer Agreement 
                          � Welcome to the SelfScore  Achieve Card by Celtic Bank! 
          Thank you for opening a credit Card Account with us. This Customer Agreement (�Agreement�) contains the 
          terms for your Card. 
          Some Definitions. 
          The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to 
          understand, we will also use the following personal pronouns: 
          �You,� �your,� and �yourself� mean each applicant for the Account; any person responsible for paying the 
          Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User 
          as defined in the Glossary Section. 
          �We,� �us,� �our,� �Celtic Bank� means Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC; and 
          its agents, authorized representatives, successors, and assignees. 
            
                             Things You Should Know About This Card 
          How are the Balance and Interest Charges calculated? 
          We use the Average Daily Balance Method (Including Current Transactions). 
          We figure the interest charge on your account by applying the 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 purchases/fees, and subtract any unpaid interest or other finance charges and any payments or credits. 
          This gives us the daily balance. Then, we add up 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.� 
          How is your Variable APR Calculated? 
             �  Your APR is calculated by adding a margin (currently 15.49%) to the Prime Rate. 
             �  We use the Prime Rate from the rates section of the Wall Street Journal, published two business days 
               before the end of the Billing Cycle. 
                                   th
             �  Your Daily Periodic Rate is 1/365  of the APR. Your Daily Periodic Rate is 0.05476712%, at the 
               current APR. 
          If the Wall Street Journal does not publish a rate on that day, we will use the Prime Rate for the previous 
          business day. If the Wall Street Journal is no longer published, we may use the Prime Rate from any other 
          newspaper. Or, we may choose to use a different, similar published rate. 
          If the Prime Rate increases, Variable APRs will increase. In that case, you may pay more interest and may 
          have a higher payment or balance due. When the Prime Rate changes, the resulting changes to Variable APRs 
          take effect as of the first day of the next Billing Cycle. 
          How can I avoid paying Interest Charges? 
          If you pay your statement�s �New Balance� in full by the 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 interest on the portion of the 
          balance that you did not pay. 
           
           
          How is the Interest Charge applied? 
          Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed, or 3) first 
          calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. This 
          means you may owe interest charges even if you pay the entire �New Balance� one month, but did not do so 
          for the previous month. Unpaid interest charges are added to the proper segment of your account. However, we 
          reserve the right to not assess interest charges at any time. 
          Can You Change My Account Terms? 
          Although we don�t plan to, we can change some terms of your account as permitted by law. If we do change 
          any of the terms in this Cardholder Agreement, we will send you notice before doing so. Please review this 
          Cardholder Agreement in full to be sure you understand the current terms for your Card. 
          Introductory APR on Purchases. 
          As noted in the chart above, the Introductory rate on purchases is valid for 180 days from account opening, 
          unless you make a late payment during the introductory APR period � at which time the standard APR 
          of 19.99% (Prime + 15.49%) will apply to the outstanding balance. 
          Your APR and interest charges will change if the Prime Rate changes. 
          Account Documents. 
          Your Account with us is governed by the following documents: 
             �  this document; 
             �  all Statements; 
             �  any Privacy Notices describing our limitations on sharing information about you with others; 
             �  any Card benefits brochure which describes benefits provided by the Payment Card Network for your 
               Card and Account. The most current version of your Card benefits brochure will replace all prior 
               versions; 
             �  all disclosures and materials provided to you before or when you opened your Account, including 
               Truth in Lending Disclosures; 
             �  all other documents and disclosures relating to your Account including those provided online; and 
             �  any future changes we make to any of the above documents. 
          Please read these carefully and keep them for future reference. An image of any of these can be used instead of 
          the original. 
          New Offers. 
          In the future, we may make new offers to you or forward offers from others that we think you might be 
          interested in. These offers may have different terms and documentation which will be provided when we make 
          you the offer. If you accept the offer, all previously disclosed terms will still apply except as modified by the 
          offer. 
          For more information about what we may share and how to opt out, please review the Privacy Notice. 
          Consent to Electronic Documents. 
          We are committed to offering services to You in a convenient, controlled, and secure manner. Therefore, the 
          online Card application and approval process has been designed around the expectation that all documents and 
          information required to be provided to You, will be provided electronically. Though, we may still deliver paper 
          documents and if we do so, we are not waiving any of these rights. By proceeding with the online application 
          or activating your Card, you agree to the terms detailed in our Electronic Consent Policy, found 
          at www2.selfscore.com/econsent, as amended from time to time. Please review this Policy to ensure you 
          understand and agree with all of the terms; while we have summarized our terms and conditions here, the 
          Electronic Consent Policy details all of Your and Our rights and obligations. 
          If at any time after you submit the application you change your mind and wish to no longer receive documents 
          and information electronically, please notify us as detailed in the Electronic Consent Policy. Understand that 
          this may result in an adverse decision on your Application. 
          Account Information. 
          We need information about you to manage your Account. The information we need includes: 
             �  your legal name; 
             �  a valid U.S. mailing address and residential address (if different); 
             �  your date of birth; 
             �  your Social Security Number, Passport Number, and/or other government identification number, if 
               available; 
             �  your telephone number(s); 
             �  your employment, income, and asset information; 
             �  your educational history and information; 
             �  your citizenship status and information; and 
             �  other related information as deemed necessary. 
          You must tell us when this information changes. Please update your address in the manner provided on your 
          Statement. You may also update some of this information by logging onto your Account on our website or by 
          calling one of our representatives at the telephone number provided on your Statement or on the back of your 
          Card. We may require you to provide additional documents that are acceptable to us to verify this information 
          or any changes. We maintain the right to restrict or close your Account if your information cannot be verified 
          or if you do not provide additional information as requested. 
          You also give us permission to verify or research, with a third party, the information you provide to us. This 
          permission includes, without limitation, verifying or researching your information with the National Student 
          Clearinghouse, United States Department of Homeland Security, and the Department of the Treasury. 
          Credit Limit. 
          When you open your Account, you will receive your credit limit. This will also appear on your Statements. We 
          might also refer to your credit limit as your credit line. 
          You are responsible for keeping track of your Account balances and your available credit limit. Do not allow 
          your Account to go over any credit limit, as the transaction could be declined or your credit score could be 
          adversely affected. We may still honor transactions above your credit limit, but our honoring of these 
          transactions will not increase your credit limit. We may also increase, decrease, restrict, or cancel your credit 
          limit at any time. This will not affect your obligation to pay us. 
          Using Your Account. 
          You promise to follow the terms of this Agreement as long as your Account remains open or has a balance. 
          Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. 
          The Card is our property, and you will return it to us or destroy it if we ask. You will take reasonable steps to 
          prevent the unauthorized use of your Card and Account. 
          We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any 
          transaction for any reason. Unless we tell you otherwise, we will bill each transaction to the applicable 
          Segment of your Account and apply it against your available credit limit for the Account and Card for that 
          Segment in each Billing Cycle. 
          You must not use, or try to use the Card for any Internet gambling transactions or transactions that are illegal 
          or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject to 
          this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and 
          expenses. 
          From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural 
          disasters, or other unpredictable events) our services might be unavailable. When this happens, you might be 
          unable to use your Card or obtain information about your Account. We will not be responsible or liable if this 
          happens. 
          Your Promise to Pay. 
          You promise to pay us all amounts due on your Account. This includes amounts where you did not sign a 
          purchase slip or other documents for the transaction. If you use your Card number without presenting your 
          actual Card (including without limitation mail, telephone, or internet purchases), this will be treated the same 
          way as if you used the Card in person. If you let someone else use your Card, you are responsible for all 
          transactions that person makes. Your promise to pay us will apply to your estate if you die. 
          Statements. 
          We will send you one Statement for all Cards on your Account unless the law does not require or permit us to 
          send a Statement. Statements will be sent at the end of each Billing Cycle when your Account has a debit or 
          credit balance of more than $1.00, or if we have charged any Interest Charges to your Account. Your 
          Statement will show all transactions billed to your Account during the Billing Cycle along with other 
          important Account information. 
          Disputed Transactions. 
          You must inspect each Statement you receive and tell us about any errors or questions you have as described in 
          the �Billing Rights Summary� part of your Statement and other Truth in Lending Disclosures. If you do not 
          notify us as provided in those disclosures, we may assume that all information in the Statement is correct. 
          If you dispute a transaction made by you or someone else on your Account, and we later credit your Account 
          for all or part of the disputed amount, you give us all of your rights against that other person. You also will: 
             �  give us any merchandise or other purchases you received in connection with the disputed amount if 
               we ask; 
             �  not pursue any claim or reimbursement from the merchant and that other person; and 
             �  help us pursue and get reimbursement from the merchant and that other person � your help includes 
               giving us documents that we ask for and that are acceptable to us. 
          Interest Charges and Fees. 
          We will charge Interest Charges and Fees to your Account as disclosed to you in your Statements and other 
          Truth in Lending Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. 
          However, we will not charge you interest on any new balances posted to the purchase Segment of your 
          Account provided you have paid your previous balance in full by the due date. 
          We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply 
          to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest 
          Charges and Fees as described in the Changes to Your Agreement section or in your Truth in Lending 
          Disclosures. 
          Late Payment Fee. We may charge you this Fee if we do not receive your payment in time for us to credit it 
          by the due date shown on your Statement. 
          Over Limit Fee. You will not have a fee for going over your credit limit, but your credit score may be 
          adversely affected and the transaction may be declined, depending on the amount of the overage. 
          Returned Payment Fee. We may charge you this Fee each time any payment you make to us is not paid by 
          your financial institution for any reason, even if that institution later pays it. 
          Expedited Payment Fee. We may charge you this Fee each time you request to make a payment over the 
          phone. Before we charge you this fee, we will notify you of the amount and provide an opportunity to opt out 
          of this service. 
          Copying Fee. We may charge you a Fee for copies of transaction documents or Statements unless they are 
          required to resolve a billing dispute. 
          Express Delivery Fee. We may charge you this Fee each time you request express delivery of any account 
          documentation. Before we charge you this fee, we will notify you of the amount and provide an opportunity to 
          opt out of this service. 
          Balance Transfer Fee. Balance Transfers are not available for your Card. 
          Cash Advance Fee. Cash Advance is not available for your card 
          Foreign Transaction Fee. We do not charge a fee for foreign transactions. 
          Transactions Made in Foreign Currencies: If you make a transaction in a foreign currency, the Payment 
          Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its own currency 
          conversion procedures. The conversion rate in effect on the processing date may differ from the rate in effect 
          on the transaction date that appears on your Statement. We do not adjust the currency exchange rate or charge 
          any currency conversion Fees. 
          No Warranties. 
          Except as otherwise provided in the �Billing Rights Summary� part of your Statements, we are not responsible 
          for any claim you might have regarding the purchases of goods or services made with your Card. 
          Merchant Refunds. 
          If you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as 
          credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. 
          We will also have a reasonable amount of time after we receive your refund to process it. 
          Minimum Payment. 
          Your Statement will provide instructions for making payments, including the amounts due and the due date for 
          receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid 
          a Late Payment Fee, you must pay us at least this minimum payment amount by the due date provided in the 
          Statement. 
          Your minimum payment will equal the greater of: $15 (or your full balance if it�s less than $15); 3% of your 
          ending balance for the Statement; or the total amount of which you have exceeded your credit limit (if 
          applicable). 
          In addition to the minimum payment, you may pay all or part of the total balance on your Account. However, 
          you must still pay at least the minimum payment amount each month, even if you paid greater than the 
          minimum on the previous Statement. 
          We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of 
          whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, part of 
          a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. 
          Making Payments. 
          Your payments must be in U.S. dollars from a U.S. deposit account and otherwise be acceptable to us. We do 
          not accept cash payments through the mail. You may not make payments with funds from your Account. 
          Mailed Payments. 
          You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or 
          our agents. We will credit it to your Account on the day we receive it, if: 
             �  you send the payment coupon included with your Statement; 
             �  in the same envelope with your payment; 
             �  you include your Account number on your payment; and 
             �  your payment arrives at the address indicated on the payment coupon in our processing center by the 
               time indicated on your Statement. 
          If your due date occurs on a day on which we do not receive payments, any payment received the next day 
          which conforms to the above requirements will not be treated as late. 
          Please allow at least 7 days for postal delivery. Unless we or our agents specifically instruct you to remit 
          payment in a different manner, payments received at any other location or in any other form might not be 
          credited for up to 5 days. This might cause you to be charged late payment Fees and additional Interest 
          Charges. 
          Faster Payment Services. 
          We may make services available that allow you to make faster payments through a customer service 
          representative using a telephone, the internet, or other payment system. We will describe the terms for using 
          these services before you use them. You do not have to use these other payment services, and we may charge 
          you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. 
          We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we 
          may still keep the Fee. 
          If you give your Account number or other Account information to someone else to make a payment for you, 
          we may provide them limited Account information necessary for the payment and process their payment as if 
          you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a 
          payment made by someone else for your Account, you will be responsible for the payment made even if that 
          payment is rejected or not paid. 
          Payment Processing. 
          We may accept and process payments without losing any of our rights. Even if we credit your payment to your 
          Account, we may delay the availability of credit until we confirm that your payment has cleared. We may 
          resubmit and electronically collect returned payments. We may also adjust your Account as necessary to 
          correct errors, to process returned and reversed payments, and to handle similar issues. 
          When you provide an Item as payment, you authorize us either to use information from your Item to make a 
          one-time electronic fund transfer from your deposit account or to process the payment as an Item. We will 
          provide additional information about this process on your Statement or other documents we send you before 
          your payment. 
          When you provide an Item as payment, it might also be converted into an electronic image and collected and 
          returned electronically. These electronic images may also be converted to substitute checks. We will not be 
          responsible if an Item you provide has physical features that when imaged result in it not being processed as 
          you intended. 
          How We Apply Your Payments. 
          We apply your minimum payments to lower Annual Percentage Rate balances before higher ones. We apply 
          any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances 
          before lower ones. Otherwise, we will apply payments and credits at our discretion, including in a manner 
          most favorable or convenient to us. In all cases, we will apply payments and credits in accordance with 
          applicable law. Available credit created as a result of payments posted to your Account may not be available 
          for up to seven (7) days, or longer if circumstances warrant an additional hold, or if we deem ourselves at risk 
          for any reason. 
          Items with Restrictive Words, Conditions, or Instructions. 
          Our acceptance of payments labeled �payment in full� or restrictive words to that or any similar effect, will not 
          constitute an accord and satisfaction nor a waiver of any rights we have to receive a full payment on all 
          balances due. 
          Credit Balances. 
          We may reject and return to you any payment that creates a credit balance on your Account. Any credit 
          balance we allow will not be available until we confirm that your payment has cleared. We may reduce the 
          amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on 
          your Statement and request a refund of any available credit balance. If you contact us in writing, we will 
          refund your credit balance within 7 Business Days from our receipt of your written request. 
          Account Default. 
          We may consider you in default of your Agreement with us if: 
             �  you do not make any payment when it is due; 
             �  any payment you make is rejected, not paid, or cannot be processed; 
             �  you exceed a credit limit; 
             �  a bankruptcy or other insolvency proceeding is filed by or against you; 
             �  you die or are legally declared incompetent or incapacitated; 
             �  we determine that you made a false, incomplete, or misleading statement on any of your Account 
               documentation or you otherwise try to defraud us; 
             �  you do not comply with any term of this Agreement or any other agreement with us; or 
             �  you permanently reside outside the United States. 
          For certain actions, including changing the rates and Fees on your Account, our options appear in our original 
          offer materials when you opened your Account. Remember, paying the Fees charged in connection with a 
          default will not by itself cure the default. In addition, if you are in default, we may take the following actions 
          without notifying you, unless the law says that we must notify you: 
             �  close or suspend your Account; 
             �  lower your credit limits; 
             �  increase your minimum payment; 
             �  demand that you immediately pay the entire balances owing on your Account; 
             �  continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or 
             �  pursue any other action against you that the law allows, which includes the filing of a lawsuit against 
               you. 
          You must pay us all of our collection expenses, attorneys� fees, and court costs unless the law does not allow 
          us to collect these amounts. 
          Communications. 
          We may contact you from time to time regarding your Account. We may contact you in any manner we choose 
          unless the law says that we cannot. For example, we may: 
             �  contact you by mail, telephone, email, fax, recorded message, text message, or personal visit; 
             �  contact you using an automated dialing or similar device (�Autodialer�); 
             �  contact you at your home and at your place of employment; 
             �  contact you by social media; 
             �  contact you on your mobile telephone; 
             �  contact you at any time, including weekends and holidays; 
             �  contact you with any frequency; 
             �  leave prerecorded and other messages on your answering machine/service and with others; and 
             �  identify ourselves, your relationship with us, and our purpose for contacting you even if others might 
               hear or read it. 
          Our contacts with you about your Account are not unsolicited and might result from information we obtain 
          from you or others. We may monitor or record any conversation or other communication with you. Unless the 
          law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these 
          services in any manner we choose. When you give us or we obtain your mobile telephone number, we may 
          contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do 
          these things whether we contact you or you contact us. 
          If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for 
          and that are acceptable to us. 
          Credit Reports. 
          We may provide information about you and the Account to consumer (credit) reporting agencies and others as 
          provided in our Privacy Notices. Information we provide might appear on your credit reports. This could 
          include negative information if you do not comply with the terms of this Agreement. We may obtain and use 
          credit and income information about you from consumer (credit) reporting agencies and others as the law 
          allows. 
          Closing or Suspending Your Account. 
          You may ask us to close your Account by calling or writing us as described on your Statement. Your 
          Statement will provide additional information about this process, and we may also separately provide you with 
          additional details after your request. This might include payment information. If you use your Card or charges 
          post to your Account after you ask us to close it, we may keep it open or reopen it. 
          We may close or suspend your Account and your right to obtain credit from us. We may do this at any time 
          and for any reason, permitted by law, even if you are not in default. A suspension of your Account might be 
          permanent or temporary. 
          If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel 
          all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your 
          Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if 
          they are charged after your Account is closed or suspended. 
          Lost or Stolen Card. 
          You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost 
          or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell 
          us by calling the telephone number on the back of your Card or on your Statement or by writing us at the 
          address on your Statement. You will not be responsible for charges made to your Account that are found by us 
          to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will 
          help us investigate, pursue, and get reimbursement from the wrongdoer. Your help includes giving us 
          documents that we ask for and that are acceptable to us. 
          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. If we do notify you of changes, we will send 
          you a separate notice or inform you on your Statement. We may send this notice to you electronically as 
          permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights 
          you have in connection with the changes. 
          If we increase your Fees or other terms of your Account we will notify you in writing and inform you of your 
          options in advance, including the right to opt out of some of these changes. 
          We may increase your Interest Charges for new transactions and your Fees after the first year of the Account. 
          Also, if your payment is not received within 60 days after the payment due date, we may increase your Interest 
          Charges and Fees for existing balances and new transactions at any time. We may change any other terms of 
          your Account at any time. 
          The Law that Applies to Your Agreement. 
          The issuer of your Card is Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. In accepting a 
          SelfScore/Deserve Mastercard, you agree to the following provisions: (1) This Agreement (including account and 
          services related to this account) will be interpreted by the laws of the state of Utah.  This means that the laws of 
          the state of Utah will govern any dispute arising from or relating to this Agreement. Federal law will also be used 
          when it applies.  (2) You waive any applicable statute of limitations as the law allows. Otherwise, the applicable 
          statute of limitations period for all provisions and purposes under this Agreement (including the right to collect 
          debt) will be the longer period provided by Utah law or the law in the jurisdiction where you live. (3)  Regarding 
          venue, you agree to submit to the jurisdiction of the state of Utah and federal courts in and for Salt Lake City and 
          Salt Lake County, Utah.  This means that any dispute, action or proceeding relating to this Agreement will be 
          brought in the Federal District Court of Utah or state court in the county of Salt Lake City. (4) See applicable 
          Arbitration Provision below.  
           
          Accordingly, it is important that you read the provisions of this section, the Arbitration Provision below, as well as, 
          the entire Agreement carefully.  If any part of this Agreement is found to be unenforceable, the remaining parts 
          will remain in effect. 
           
          Arbitration Provision: 
          Should a dispute arise, you agree to resolve the matter through Arbitration, in which case you will not have the 
           right to have that claim resolved by a judge or jury and you will not have the right to participated in a class 
           action.  You may reject the Arbitration provision with respect to your new account within 30 days after receiving 
           your credit card approval letter.  If so, your rejection must be in writing and postmarked within 30 days from the 
           date of your approval letter, addressed to Celtic Bank, 268 South State Street, #300, Salt Lake City, Utah 84111. 
           Otherwise, a rejection will be invalid.  Further, should you reject the Arbitration process (or if a court or federal 
           regulator determine the Arbitration process inapplicable), you agree to waive your right to jury trial and proceed 
           in a non-jury court proceeding.  You understand that federal district court and state court processes and rules 
          may require parties to seek resolution of matter via settlement or other dispute resolution proceedings. In 
          waiving your right to a jury trial, you agree that your waiver is made knowingly, intelligently and voluntarily.     
           
           
          Military Lending Act Disclosure 
          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).  To be provided with an oral disclosure of this information, please call toll-free 1-800-
          418-7353. 
          Waiver. 
          We will not lose any of our rights if we delay taking any action for any reason or if we do not notify 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. We may always enforce our rights later and may take other actions not listed in this 
          Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or 
          dishonor. We may proceed against you before proceeding against someone else. 
          Assignment. 
          This Agreement will be binding on, and benefit, any of your and our successors and assigns. 
          You may not transfer your Account or your Agreement to someone else without our written permission. 
          We may transfer your Account and this Agreement to another company or person without your permission and 
          without prior notice to you. They 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 you are informed or learn that we have 
          transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. 
          This includes returning the payment to you or forwarding the payment to the other company or person. 
          SelfScore Achieve Mastercard Cash Back Program 
          Earning Cash Back. 
             �  With this credit card, you will earn cash rewards by using your card for purchases. You will not earn 
               cash rewards on cash advances or balance transfers (Balance transfers and cash advances are not 
               available). 
             �  You will earn 1% cash back all purchases. At the end of each billing period, your cash back will be 
               calculated by multiplying the total amount you spent (minus any returns) by 1% (.01). 
             �  From time to time, you may receive promotional offers which allow for additional cash back. These 
               offers will not be available if your account is closed or delinquent on the date we determine whether 
               you have met the terms of the offer. 
             �  Purchases do not include items returned for credit, interest, and account fees. 
          Redeeming Cash Back. 
             �  Any cash back earned will be automatically redeemed as a statement credit, in increments of $25. 
             �  Redemption is not available if account is closed, delinquent or over limit. In the event of a lost or 
               stolen card, or we issue a new account number, we will transfer your cash back to the new account. If 
               the account does not qualify for redemption, redeemable balances will be re-evaluated in the next 
               distribution period. 
             �  Cash back rewards have no expiration while the card is open. 
          Value of Cash Rewards. 
          Cash rewards have no cash value until eligible cash rewards are redeemed as a statement credit. You may not 
          assign, transfer, or pledge your cash rewards. You have no property rights or other legal interest in cash 
          rewards. 
          Glossary. 
          �Account� means your Card Account with us. 
          �Billing Cycle� means a period of time that might vary in length but is approximately 30 days. The specific 
          period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is 
          not required. 
          We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the 
          Statement. For example, a �March Billing Cycle� will have a closing date in March. We may also refer to a 
          Billing Cycle as a �Billing Period.� If your Account balance has charged off, we may switch to quarterly 
          Billing Cycles to your Account. 
          �Business Day� means any day in which our offices are open for the processing of payments and credits. 
          �Card� means any Card associated with your Account, which includes all renewals and substitutions. It also 
          means any other access device for your Account we give you that allows you to obtain credit. 
          �Fees� means conditional charges imposed on your Account that are not based on the Annual Percentage 
          Rates. 
          �Interest Charges� means any charges to your Account based on the application of Annual Percentage Rates. 
          �Item� means a check, draft, money order, or other negotiable instrument you use to pay your Account. This 
          includes any image of these instruments. 
          �Payment Card Network� means Mastercard International Incorporated, or any other network provider 
          displayed on the Card. 
          �Segments� means the different parts of your Account we may establish that are subject to unique pricing, 
          grace periods, or other terms. We create these parts of your Account for such things as your purchases and 
          Special Transfers. 
          �Special Transfer� means a Transfer posted to the Special Transfer Segment of your Account and not to your 
          purchase Segment. 
          �Statement� means a document or information we provide to you showing Account information including, 
          among other things, transactions made to your Account during a Billing Cycle. We might also refer to your 
          Statement as a �Periodic Statement� or a �Billing Statement.� 
          �Transfers� means balances transferred from other Accounts to this Account and includes Balance Transfers 
          and Special Transfers. 
          �Truth in Lending Disclosures� means any Account information we provide to you that is required by the 
          federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, 
          Account opening disclosures, subsequent disclosures, Statements, and change in terms notices. 
            
            
                                   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: 
          SelfScore, Inc. 
          PO Box 91610 
          Sioux Falls, SD 57109 
          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. 
             �  You must notify us of any potential errors in writing [or electronically]. 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 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: 
             �  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.) 
             �  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. 
             �  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 [or 
          electronically] at: 
          SelfScore, Inc. 
          PO Box 91610 
          Sioux Falls, SD 57109 
          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. 
            
          SelfScore Achieve � Pricing Addendum 
          In effect at end of Q1 2018 
           
                                            
                                    Pricing Information 
           Interest Rate and Interest Charges 
           Annual Percentage Rate (APR) for 
                                    0% intro for 6 months (180 days) from date of account opening.  After that, your 
           Purchases 
                                    APR will be 19.99%.  This APR will vary with the market based on the Prime 
                                    Rate.   
           APR for Balance Transfers  N/A (Balance Transfers are not available) 
           APR for Cash Advances    N/A (Cash Advances are not available) 
           How to Avoid Paying Interest  Your due date is at least 23 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.  
           Minimum Interest Charge  If you are charged interest, the 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 using a credit 
           Consumer Financial Protection  card, visit the website of the Consumer Financial Protection Bureau at 
           Bureau                   http://www.consumerfinance.gov/learnmore 
           
           Fees 
           Annual Fee               None 
           Transaction Fees          
              ?  Balance Transfer     ?  N/A (Balance Transfers are not available) 
              ?  Cash Advance         ?  N/A (Cash Advances are not available) 
              ?  Foreign Transactions  ?  None 
           Penalty Fees              
              ?  Late Payment         ?  Up to $25 
              ?  Over-the-Credit Limit  ?  None 
              ?  Returned Payment     ?  Up to $37 
          How We Will Calculate Your Balance: We use a method called Average Daily Balance (including new 
          purchases). See Customer Agreement for details. 
          Loss of Introductory APR: We may end your introductory APR and apply the standard APR rate of 19.99% if 
          you make a late payment. 
          Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
          in your Customer Agreement.