4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 1/22WebBank DigniFi
Credit Card Account Customer Agreement ("Agreement")
Pricing Information
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 27.99%
APR for Cash Advances 27.99%
Paying InterestYour due date is at least 25 days after the close
of each Billing Cycle. W e will not charge you
interest on Regular Credit Plan Purchases if
you pay your entire Regular Credit Plan
balance and the Minimum Payment due on all
Promotional Credit Plans by the due date each
month. W e will begin charging interest, if any ,
on Promotional Credit Plan Purchases on the
transaction date.  Cash Advances will be
treated as Regular Credit Plan Purchases.
Minimum Interest ChargeIf you are charged interest, the charge will be
no less than $2.00.
For Credit Card T ips from the Consumer Financial
Protection BureauTo learn more about factors to consider
when applying for or using a credit card,
visit the website of the Consumer Financial
Protection Bureau at
http://www .consumerfinance.gov/learnmore.
Fees
Annual Fee$0 or $59 based on your credit worthiness. See
you Important Disclosure Insert for the fee that
applies to you Account.
Cash Advance FeeEither $10 or 4% of the amount of each cash
advance, whichever is greater .
Penalty FeesLate Payment - Up to $39.00
Returned Payment - Up to $39.00
How W e Calculate Y our Balance. We use a method called �average daily balance (excluding new Regular Credit
Plan Purchases).� If your Account is subject to a grace period during the billing cycle, payments made during that
billing cycle will be subtracted from your daily balances during that cycle. For additional information, see the 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 2/22�Interest Charges� section of the Agreement.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in
the �Y our Billing Rights� section of this Agreement.
Important Information
About Procedures for Opening a New Account
Arbitration
Unless you are a Military Lending Act Covered Borrower , this W ebBank DigniFi Credit Card Account
Customer Agreement contains an Arbitration Provision. The Arbitration Provision is contained in
Section 44. Please read the Arbitration Provision carefully . Unles you send us the rejection notice
described in the Arbitration Provision, the Arbitration Provision will apply to you.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all
financial institutions to obtain, verify , and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other
information that will allow us to identify you. W e may also ask to see your driver �s license or other identifying
documents.
Important Information About Credit Reporting
We may report information about your Account to credit bureaus.  Late payments, missed payments, or other
defaults on your Account may be reflected in your credit report.
State Specific Information
NOTICE FOR CALIFORNIA RESIDENTS:  Applicants may , after credit approval, use the credit card account up to
its credit limit and be liable for amounts extended under the plan to any joint applicant. If you are married, you may
apply for credit in your own name.
NOTICE FOR OHIO RESIDENTS: Ohio anti-discrimination laws require creditors to make credit equally available
to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals
upon request. The Ohio Civil Rights Commission administers these laws.
NOTICE FOR NEW YORK AND VERMONT RESIDENTS:  WebBank may obtain at any time your credit reports,
for any legitimate purpose associated with the account or the application or request for an account, including but
not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed
if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency
furnishing the report.
NOTICE FOR NEW YORK RESIDENTS: New Y ork residents may contact the New Y ork State Department of
Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and
grace periods. New Y ork State Department of Financial Services: 1-877-226-5697 or http://www .dfs.ny .gov. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 3/22NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of any marital agreement, unilateral statement,
or court order applying to marital property will adversely af fect a creditor �s interests unless prior to the time credit is
granted, the creditor is furnished with a copy of the agreement, statement or court order , or has actual knowledge
of the provision.  If you are married, by submitting your credit card application you are confirming that this credit
card obligation is being incurred in the interest of your marriage and your family . If the credit card for which you are
applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has
been extended to you.
NOTICE FOR DELA WARE RESIDENTS: Service charges not in excess of those permitted by law will be charged
on the outstanding balances from month to month.
PROGRAM TERMS: By applying for this Account issued by W ebBank you understand that you may not be
approved if you do not meet W ebBank� s credit criteria and other criteria, including but not limited to:
You are under the age of 18 on the date you submit your application for credit.
You reside in a state where financing is not of fered under this Program.
Your name, address and social security number do not match an existing credit bureau file.
The application is missing required information, or the information you provide cannot be verified
All credit is granted and all Accounts are owned by W ebBank.  This Account is subject to approval by
WebBank.
WebBank
DigniFi Credit Card Account Customer Agreement
Section 1. Credit Card Account Agreement
This W ebBank DigniFi Credit Card Account Customer Agreement (�Agreement�) is between you and W ebBank, a
Utah-chartered, FDIC insured bank having its principal of fice in Salt Lake City , UT. There are two parts to this
Agreement: W ebBank DigniFi Credit Card Account Pricing Information and the W ebBank DigniFi Credit Card
Account Customer Agreement. W ebBank will open an Account and issue a Card or Cards that may only be used
for auto repairs and auto-related products and services at approved service centers.  By opening your Account,
signing your Card or using your Account, you agree to the terms of the Agreement with W ebBank including any
changes, amendments or supplements to it.
Section 2. Definitions.
The meanings of the capitalized terms used in the Agreement appear in the �Glossary� (Section 42 of this
Agreement).
As used here, �you� and �your� mean each applicant and co-applicant approved on the Account; any person
responsible for paying the Account; any Authorized User; and any person responsible for complying with this
Agreement. �W e,� �us,� �our ,� and �W ebBank� mean W ebBank.
Section 3. Account Documents.
The following documents govern your Account with us:
1. this Agreement;
2. all Statements; 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 4/223. any privacy Notices;
4. all disclosures and materials provided to you before or when you opened you Account;
5. any other documents and disclosures relating to your Account, such as those provided during the
application process at the dealer and when you use your Account including those regarding Promotional
Credit Plans; and
6. any future changes we make to any of the above.
Please read all of these carefully and keep them for future reference.
Section 4. Account Information.
We need information about you to approve and manage your Account. This includes the information requested on
your application. Y ou agree to tell us when this information changes and respond to our requests for information or
additional documents to verify any information. W e may restrict or close your Account if we cannot verify your
information, or if you do not provide it as requested.
Section 5. Use and Sharing of Information About Y ou.
When you applied for an Account, you gave us, DigniFi and our/their af filiates information about yourself that we
could share with each other . DigniFi and its af filiates will use the information in connection with the credit program
and for things like creating and updating its records and of fering you special benefits.  More information about how
we use and share information is set forth in the Privacy Notices for your Account which you receive with your
application package.
Section 6. Credit Limits.
When you open your Account, we will tell you your credit limit. This will also appear on your Statement. W e may
also refer to your credit limit as your credit line.
You are responsible for keeping track of your balance and your available credit. Y ou must manage your Account to
remain below your credit limit. W e may honor transactions above your credit limit, but if we do these transactions
will not increase your credit limit. Y ou are responsible for paying for any transaction you make above your credit
limit.
We may also increase, decrease, restrict or cancel your credit limit at any time in accordance with applicable law .
This will not af fect your obligation to pay us.
Section 7. Using Y our Account.
1. This Agreement applies, whether or not you use your Card or Account. It will continue to apply even after
your Account is closed, as long as you have a balance.
2. You must return the Card to us or destroy it if we ask you to.
3. You must take reasonable steps to prevent the unauthorized use of your Card and Account.
4. We may decline to authorize a transaction for any reason. This may occur even if the transaction would not
cause you to go over your credit limit or your Account is not in default.
5. We are not responsible for any losses you incur if we do not authorize a transaction.
6. We are not responsible for any losses you incur if anyone refuses to accept your Card for any reason.
7. You must not use, or try to use, the Card for any illegal activity . You are responsible for any charges if you
do.
8. We are not liable for any losses that may result when our services are unavailable due to reasons beyond
our control.
Section 8. Promotional Credit Plans.
From time to time, we may of fer one or more Promotional Credit Plans for certain transactions prior to or at the
time of your Purchase. The terms of this Agreement apply to Promotional Credit Plans. However , the terms of the
promotional of fer and the special Promotional Credit Plan may be dif ferent from the standard terms of your 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 5/22Account and will be explained in other materials and disclosures provided to you in that of fer. In general, Interest
Charges for Promotional Credit Plans begin to accrue from the date of the promotional Purchase until paid in full,
and there is no grace period to avoid Interest Charges on Promotional Credit Plans. Y ou accept the promotional
terms of those materials and disclosures when you make the Purchase. Only certain Purchases may be eligible for
Promotional Credit Plans. The amount of your credit limit available for Promotional Credit Plans may be limited.
Offers are subject to credit approval. These plans may have special interest terms, special repayment terms
(including minimum payments) and a limited or specified promotion period when the special promotional terms
apply . Unless otherwise specified with respect to a Promotional Credit Plan, upon termination or expiration of the
promotion period your Promotional Credit Plan terms will end, and all Regular Credit Plan terms will apply .  Unless
otherwise provided in the materials and disclosures provided to you at the time you make your Purchase, only
Purchases of $350.00 or more will be eligible for Promotional Credit Plans.  Special Promotional Credit Plans are
not available at all times for all Purchases of $350.00 or more. Regular Purchases that are not subject to
Promotional Credit Plan terms are part of your Regular Credit Plan.  Please see any special promotional materials
or disclosures for additional terms that will apply to the promotion of fered.
Section 9. Deferred Interest Promotions.
From time to time, we may of fer you the opportunity to enter into promotions that defer interest.  This will be
treated as a special Promotional Credit Plan. When you make a Purchase under a deferred interest promotion, it
will be identified separately on your Statements. Each Statement will contain a summary of all deferred
transactions, including the unpaid principal balances, any accrued or assessed interest charges and the dates until
which payments or interest charges are deferred. The special deferral terms apply to a transaction for a specified
period of time, which we will call the �Deferral Period�. Following your consummation of a deferred transaction
deferred transaction, the Deferral Period will be disclosed to you. These special promotions are made available at
our discretion, are subject to credit approval, are not available for all transactions and cannot be changed by
customer request.
You must make minimum monthly payments on the deferred transactions during the Deferral Period. If you pay the
entire deferred transaction in full on or before the last day of the Deferral Period, you pay no interest in connection
with your deferred transaction. However , interest on the deferred transaction will be charged to your Account at the
monthly periodic rate in ef fect each month from the date of transaction if the deferred transaction balance is not
paid in full by the last day of the Deferral Period. During the Deferral Period, we include your deferred
transaction(s) when we calculate your minimum monthly payment and for purposes of determining your available
credit.
Section 10. Cash Advances.
You may use your Account to obtain Cash Advances if your Account: (i) is not past due; and (ii) you have available
credit for Cash Advances, and their related Cash Advance Fees. Your total Cash Advance balance is subject to a
maximum balance limit of $2,000. You may request a Cash Advance only through the DigniFi customer portal. If
qualified, the funds will be deposited directly into your bank account. Cash Advances deposited to your bank
account are conditional on our ability to verify your bank information. If we are unable to verify your bank account,
you will not be eligible to receive the Cash Advance. Cash Advances will be treated as Regular Credit Plan
Purchases.
Section 1 1. Reserved.
Section 12. Joint Accounts.
If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is
responsible even if the Account is used by only one of you. Y ou will continue to be liable for the entire balance of
the Account, even if your joint accountholder is ordered by a court to pay us. Y our Account status will be reported
to the credit bureau under each of your names. The delivery of notices or Statements to either of you serves as
delivery to each of you. W e may rely on instructions given by either of you. W e are not liable to either of you for
relying upon such instructions. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 6/22Section 13. Authorized Users.
If you ask us to issue a Card to any person other than a joint account holder , they are an Authorized User . We may
require certain information about them and you should let them know that you are sharing their information with us.
We may limit their ability to use your Card. They may have access to certain information about your Account. Y ou
will be responsible for their use of the Account and anyone else they allow to use your Account, even if you did not
want, or agree to, that use. W e may report information about your Authorized User(s) to consumer reporting
agencies. See the �Credit Reports� section of this Agreement.
Section 14. Removing an Authorized User .
If you want to remove an Authorized User from your Account, you must contact Customer Service at 1-844-334-
5107 and request their removal. Y ou 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. Y ou will be responsible even if these amounts do not appear on your Account until
later.
Section 15. 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. W e will treat transactions made without presenting your Card
(such as for mail, telephone, Internet, or mobile device Purchases) the same as if you used the Card in person. If
you let someone else use your Card or Account, you are responsible for all transactions that person makes.
Section 16. Statements.
We will send or make available to you one Statement for your Account at the end of each Billing Cycle. Y ou must
notify us at P .O. Box 84010, Sioux Falls, SD 571 18 or 1-844-334-5107 of a change in your address. Under certain
circumstances, the law may not require us to send or make available to you a Statement or may prohibit us from
doing so. In such circumstances, we may continue to add interest and fees as permitted by law .
Section 17. Disputed T ransactions.
You should inspect each Statement you receive and tell us about any errors or questions you have, as described
in the �Billing Rights Summary� on your Statement and in this Agreement.
If we credit your Account for all or part of a disputed transaction, you give us all of your rights against others
regarding that transaction. Y ou will also:
1. give us any information about the disputed transaction, if we ask;
2. not pursue (or cease your current pursuit of) any claim or reimbursement of the transaction amount from the
merchant or any other person; and
3. help us get reimbursement from others.
Section 18. No W arranties.
We are not responsible for any claim you may have regarding the Purchase of goods or services made with your
Card beyond your rights described in the �Billing Rights Summary� on your Statement and in this Agreement.
Section 19. Lost or Stolen Card.
If your Card is lost or stolen or if you think someone else may be using your Card or Account without your
permission, you must contact us at 1-844-334-5107 immediately . You will not be responsible for transactions on
your Account that we find are unauthorized.
If we reimburse you for unauthorized transactions, you will help us investigate, pursue and get reimbursement
from the wrongdoer . Your help includes giving us documents in a form that we request. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 7/22Section 20. Interest Charges.
We use a method called A verage Daily Balance (excluding new Regular Credit Plan Purchases) to calculate the
Interest Charges.
1. First, for each day in the Billing Cycle for each Credit Plan, we take the beginning balance (excluding any
accrued Interest Charges not posted to the Account), add any new charges and Fees and subtract any
payments and credits for each Credit Plan as described in the �How W e Apply Y our Payments� Section of
this Agreement. The result is the daily balance for each Credit Plan.
2. Next, for each Credit Plan, we add the daily balances together and divide the sum by the number of days in
the Billing Cycle. The result is the A verage Daily Balance for each Credit Plan.
3. At the end of each Billing Cycle, we multiply your A verage Daily Balance for each Credit Plan by the daily
periodic rate for that Credit Plan, and then we multiply the result by the number of days in the Billing Cycle.
4. We add the Interest Charges for all Credit Plans together . The result is your total Interest Charge for the
Billing Cycle.
For purposes of the above calculations, accrued Interest Charges are added (posted) to the daily balance of each
Credit Plan on the last day of the Billing Cycle. Fees are added to the Regular Credit Plan as part of the daily
balance on the day they are posted to the Account. Any Fees will be treated as a new Regular Credit Plan
Purchase in the Billing Cycle it is assessed. For Regular Credit Plan Purchases, new Purchases become part of
the Account balance on the transaction date, but when we calculate daily balances for the purpose of computing
Interest Charges, we do not add any new Purchases made during the Billing Cycle until the first day of the new
Billing Cycle following the date of the Purchase. Due to rounding or a minimum Interest Charge, this calculation
may vary slightly from the Interest Charge actually assessed.
The daily periodic rate that is used to determine your Interest Charges for each Credit Plan is 1/365th of your
Annual Percentage Rate (APR) for each such Credit Plan.
We will charge the Interest Charges and Fees to your Account as disclosed in the Pricing Information section,
promotional material or disclosure for Promotional Credit Plan Purchases and your Statement. If you paid your
Regular Credit Plan balance in full and you made the Minimum Payment due on your Promotional Credit Plans by
the due date on your prior Statement, then (1) if you again pay your Regular Credit Plan balance in full and you
make the Minimum Payment due on your Promotional Credit Plans by the due date on your current Statement, we
will not charge you any new Interest Charges on new Purchases made under your Regular Credit Plan during the
current Billing Cycle, and (2) if you pay at least your Minimum Payment due for the current Billing Cycle but less
than the amount described in clause (1), we will treat your payment as if it was made on  the first day of the current
Billing Cycle when we calculate your Interest Charges on new Purchases made under your Regular Credit Plan.
In general, unless otherwise indicated in promotional terms, Interest Charges for Promotional Credit Plan
Purchases begin to accrue from the date of the Purchase until paid in full, and there is no grace period to avoid
Interest Charges on Promotional Credit Plans.
We may increase your Interest Charges and Fees as described in the �Changes to Y our Agreement� section of this
Agreement.
If we charge you interest, the charge will be no less than $2 and will be allocated among all Credit Plan balances
that accrue interest at our discretion.
Section 21. Annual Fee.
Your Pricing Information section will tell you if your Account is subject to an Annual Fee.  W e may charge you an
Annual Fee based on your creditworthiness.  The Annual Fee is non-refundable and will be assessed when your
Account is opened and on an annual basis thereafter .  Paying the annual fee does not limit our right to close the
Account or our right to limit your ability to transact under the Account.  The Annual Fee will not be billed to your
Account after your Account is closed. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 8/22Section 22. Late Payment Fee.
If we do not receive payment from you in at least the amount of your Minimum Payment by the due date shown on
your monthly Statement, you will be charged a Late Payment Fee. The fee will be $28.00 if you did not incur a
Late Payment Fee during any of the prior six billing periods; otherwise $39.00.
Section 23. Returned Payment Fee.
If any check or other payment tendered in payment on your Account is returned unpaid for any reason, you will be
charged a Returned Payment Fee. The fee will be $28.00 if you did not incur a Returned Payment Fee during any
of the prior six billing periods; otherwise $39.00.
Section 24. Cash Advance Fee.
Each time you obtain a Cash Advance, we will impose a Cash Advance Fee of $10.00 or 4% of the amount of
each Cash Advance, whichever is greater .
Section 25. Copy Fee.
You may request a copy of your monthly statement by calling 1-844-334-5107.  If you request duplicates of any
monthly billing statement or other document, a copying charge of $3.00 per page may be imposed, unless the
request is made in connection with a bona fide billing error dispute.
Section 26. Minimum Payment.
You must pay at least the Minimum Payment due by the payment due date each month. The Minimum Payment
for your Account includes the minimum payment on each Credit Plan, including any Promotional Credit Plan with a
special minimum payment calculation and your Regular Credit Plan.
To determine the total Minimum Payment due, we add together the following: (a) your Regular Credit Plan
Minimum Payment, which is equal to the greater of (i) $20 or (ii) 3% of the total of your Regular Credit Plan
Purchases balance plus any billed Interest Charges; (b) the Minimum Payment for each Promotional Credit Plan
Purchase balance; (c) late payment fees and other fees and charges; and (d) any past due amount for any Credit
Plan. W e then round this total to the next highest dollar .
Your Statement will tell you:
1. the Minimum Payment due,
2. your new balance,
3. the payment due date, and
4. an explanation of when the payment must reach us for us to consider it received as of that date.
Returns and other credits to your Account will reduce your Account balance, but they will not change your
Minimum Payment amount.
If your Account is 150 days past due, is part of a bankruptcy proceeding, or is otherwise charged of f, the total
balance is immediately due and payable.
Section 27. Making Payments.
Your payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. W e do not
accept any payments at dealer locations or cash payments.
You may not make payments with funds from your Account or any other credit account with us. Y ou must send
mailed payments to us as instructed on your Statement, unless we tell you otherwise.
You must mail all payment items (such as checks) (�Item(s)�) bearing restrictive words, conditions, limitations, or
special instructions to: P .O. Box 84010, Sioux Falls, SD 571 18. This includes Items marked �Paid in Full� or similar
language. This also includes all accompanying communications. If you make such a payment or send any 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 9/22accompanying communications to any other address, we may reject it and return it to you. W e may also accept it
and process it without losing any of our rights.
Section 28. Other Payment Services.
We may make services available that allow you to make faster or recurring payments online or by telephone. W e
will describe the terms for using these services and any applicable Fee before you use them. Y ou do not have to
use these other payment services.
We are not responsible if your financial institution rejects a payment made using our payment services.
If you ask someone else to make a payment for you, we may provide that person with limited Account information
necessary to set up and process that payment. W e may also refuse to accept that payment. If we do accept it, you
will be responsible for that payment even if a financial institution rejects it.
Section 29. Payment Processing.
We may accept and process payments without losing any of our rights. Although we immediately credit your loan
payment to the balance of your loan, we may hold your available credit until we confirm your payment cleared. W e
may hold your available credit for up to 7 calendar days.  W e may resubmit and collect returned payments
electronically . If necessary , we may adjust your Account to correct errors, process returned and reversed
payments, and handle similar issues.
When you send us an Item as payment, you authorize us to make a one-time electronic funds transfer from your
deposit account. W e may withdraw the funds from your deposit account as early as the same day we receive your
payment. Y ou will not receive your Item back from your bank. W e will provide additional information about this
process on your Statement.
We may use the information from an Item to create an electronic image. W e may collect and return the image
electronically . This electronic image may also be converted to a substitute check and may be processed in the
same way we would process an Item. W e are not responsible if an Item you provide has physical features that,
when imaged, result in it not being processed as you intended.
Section 30. How W e Apply Y our Payments.
In each Billing Cycle, we apply payments up to your Minimum Payment amount at our discretion. Unless otherwise
provided by applicable law , we apply any part of your payment exceeding your Minimum Payment amount to the
Credit Plan balance with the highest APR, and any remaining portion to other Credit Plan balances in descending
order based on the applicable APR. W e do this based on the APRs in ef fect and balances owed on the day your
preceding Billing Cycle ended. If more than one Credit Plan balance has the same APR, we will apply the payment
to the oldest Credit Plan balance first.
Notwithstanding the foregoing, during the two billing cycles immediately preceding expiration of any Promotional
Credit Plan period, the excess payment amount will be allocated first to the applicable Promotional Credit Plan
balance(s) and then any remaining portion allocated to any other balances consistent with the process outlined
above in this section.
Section 31. Credit Balances.
We may reject and return any payment that creates or adds to a credit balance on your Account.  Any credit
balance we allow will not be available until we confirm that your payment has cleared. W e may reduce the amount
of any credit balance by any new charges.  W e will make a good faith ef fort to refund any credit balance remaining
in the account for more than six months; or , you may write to the address provided on your Statement or call us at
1-844-334-5107 to request a refund of any available credit balance and we will issue a refund within thirty
business days.
Section 32. Account Default. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 10/22You will be in default if:
1. you do not make any payment when it is due;
2. any payment you make is rejected, not paid or cannot be processed;
3. you file or become the subject of a bankruptcy or insolvency proceeding;
4. you   are    unable    or    unwilling    to    repay    your obligations, including upon death or legally declared
incapacity;
5. we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to
defraud us; or
6. you do not comply with any term of this Agreement or any other agreement with us.
If you are in default, we may take certain actions with respect to your Account. For example, depending on the
default, we may take the following actions, without notifying you, unless the law says that we must give you notice:
1. charge you Fees, as permitted under the Agreement;
2. if so disclosed under a Promotional Credit Plan, terminate the special promotional terms and apply the
terms that apply to Regular Credit Plan Purchases including changes to your APR and Minimum Payments;
3. close or suspend your Account;
4. lower your credit limit(s);
5. demand that you immediately pay the total balance owing on your Account including all promotional
balances;
6. continue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or
7. file a lawsuit against you, or pursue another action that is not prohibited by law . If we file a lawsuit, you
agree to pay our court costs, expenses and attorney fees, unless the law does not allow us to collect these
amounts.
Section 33. Communications.
You agree that we may contact you at any phone number , email address or mailing address you provide to us,
including mobile devices. Y ou agree that from time to time we may monitor and record telephone calls made or
received by us or our agents regarding your Account to assure the quality of our service. In order for us to service
the Account or to collect any amounts you may owe, and subject to applicable law , you agree that we may from
time to time make calls and send text messages to you using prerecorded/artificial voice messages or through the
use of an automatic dialing device at any telephone number you provide to us in connection with your Account at
any time, including a mobile telephone number that could result in charges to you.
Section 34. Credit Reports.
We may report information about your Account, including about you and any Authorized Users, 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 credit report.
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 P .O. Box 84010, Sioux Falls, SD 571 18. When you write, tell us
the specific information that you believe is incorrect and why you believe it is incorrect. W e will research the issue
and let you know if we agree or disagree with you. If we agree, we will contact each consumer reporting agency
we reported to and request a correction.
We may obtain and use credit, income and other information about you from credit bureaus and others as the law
allows.
Section 35. Closing or Suspending Y our Account.
You may contact us at 1-844-334-5107 to ask us to close your Account.
We may close or suspend your Account at any time and for any reason permitted by law , even if you are not in
default. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 11/22If your Account is closed or suspended by either you or us for any reason, you must stop using your Card. If we
close or permanently suspend your Account, you must return or destroy all Cards. Y ou must still pay us all
amounts you owe on the Account, including any amounts that post to your Account after it is closed or suspended.
Section 36. Changes to Y our 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 ef fect. The notice will describe any
rights you have in connection with the changes. If we increase your APR for any reason, or if we change your
Fees or other terms of your Account, we will notify you as required by law .  You may not change this Agreement
unless we agree to your change in writing.
Section 37. The Law that Applies to Y our Agreement.
This Agreement and your Account will be governed by federal law applicable to a FDIC-insured institution located
in Utah and, to the extent permitted by law and not preempted by federal law , the law of the state of Utah, without
regard to its choice of law provisions. Y ou agree that this Agreement is entered into between you and us, and
received by us, in Utah and we extend credit to you from Utah, whether or not you live in Utah. W e will make the
decision whether to open an account for you based on criteria established in Utah.
Section 38. Severability .
If any provision of this Agreement is determined to be void or unenforceable under any applicable law , rule or
regulation, all other provisions of this Agreement will remain enforceable (except as specifically addressed in the
Arbitration provision).
Section 39. Entire Agreement.
This Agreement is a final expression of the agreement between you and us and supersedes and may not be
contradicted by evidence of any prior or contemporaneous oral communication or understanding between you and
us.
Section 40. W aiver .
We will not lose any of our rights if we delay or choose not to take any action for any reason. W e 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.
Section 41. Assignment.
This Agreement will be binding on, and benefit, any of your and our successors and assigns. Y ou may not sell,
assign or transfer your Account or this Agreement to someone else without our written permission.  W e may sell,
assign or transfer your Account and this Agreement including the receivables associated therewith and any of the
rights and benefits of this Agreement without your permission and without prior notice to you. Any assignee or
assignees will take our place under this Agreement. Y ou 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.
We may also engage agents, authorized representatives, and other service providers, all of which may act for us
under this Agreement and rely on the rights given to us under this Agreement.
Section 42. Glossary .
"Account"  means your DigniFi Credit Card Account with W ebBank.
"Annual Percentage Rate"  means your interest rate stated as a yearly rate. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 12/22"Billing Cycle"  means the period of time reflected on a Statement. This period may vary in length but is
approximately 30 days. Y ou will have a Billing Cycle even if a Statement is not required. W e will often specify a
Billing Cycle by the month in which its closing date occurs. For example, a �March Billing Cycle� will have a closing
date in March. W e may also refer to a Billing Cycle as a �Billing Period.� If your Account balance has charged of f,
we may switch to quarterly Billing Cycles for your Account.
"Card"  means any W ebBank credit card associated with your Account. This includes all renewals and
substitutions. It also means any other access device for your Account we give you that allows you to obtain credit,
including any Account number .
"Credit Plans"  mean the Promotional Credit Plans we of fer from time to time and the Regular Credit Plan that
applies to your Purchases and Cash Advances. The sum of your Credit Plan balances equals your total Account
balance.
"Fees"  mean charges imposed on your Account not based on the Annual Percentage Rates.
"Interest Charges"  mean 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.
"Minimum Payment"  is the total of the minimum payments required for each Credit Plan and at least this amount
must be paid by the payment due date indicated on your Statement.
"Promotional Credit Plans"  are dif ferent parts of your Account we may establish for Purchases that are subject to
special interest rates (APRs), pricing, repayment or other terms.  Not all purchases are eligible for a Promotional
Credit Plan and in order to qualify there may be a minimum purchase amount.
"Purchase"  a transaction using your Card to purchase goods or services from one who honors the Card; and (b)
any other transaction, including a Cash Advance.
"Regular Credit Plan"  means the interest rate (APR), pricing, repayment terms and other terms included in this
Agreement for Purchases that are not made under Promotional Credit Plans.
"Statement"  means a document showing important Account information, including all transactions billed to your
Account during a Billing Cycle and information about what you must pay . We may also refer to your Statement as a
�Periodic Statement� or a �Billing Statement.�
Section 43. Military Lending Act Disclosure.
The federal Military Lending Act (�MLA�) provides important protections for certain members of the Armed Forces
and their dependents (�Covered Borrowers�) relating to extensions of consumer credit.  The following provisions of
this Section 43 apply only to Covered Borrowers. 
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).
In order to hear important disclosures and payment information about the account of a Covered Borrower , you may
call 1-844-334-5107. 
The Arbitration Provision set forth in Section 44 of this Agreement does not apply if you are a Covered Borrower . 
Section 44. Arbitration. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 13/22RESOLUTION OF DISPUTES: THIS ARBITRA TION PROVISION LIMITS YOUR RIGHTS IN THE EVENT OF A
DISPUTE BETWEEN YOU AND US AND OTHERS UNLESS YOU ARE AN MLA COVERED BORROWER. YOU
HAVE THE RIGHT T O REJECT THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW .
a. Either you or we may , at your or our sole election, require that the sole and exclusive forum and remedy for
resolution of a Claim be final and binding arbitration pursuant to this section (the �Arbitration Provision�),
unless you opt out as provided in section (b) below . DigniFi (including its af filiates and dealers), or any
subsequent holder of this Agreement or any interest in your Account or any subsequent Purchaser , holder
or assignee of any receivables arising under your Account (collectively , �subsequent holder�), may also elect
arbitration of any Claim as provided in this Arbitration Provision. As used in this Arbitration Provision,
�Claim� shall include any past, present, or future claim, dispute, or controversy involving you (or persons
claiming through or connected with you), on the one hand, and us and/or DigniFi and/or any subsequent
holder (or persons claiming through or connected with us and/or DigniFi and/or the subsequent holders), on
the other hand, relating to or arising out of your application for and origination of this Account, this
Agreement, your Account, or the relationship between you and us, including (except to the extent provided
otherwise in the last sentence of section (f) below) the validity or enforceability of this Arbitration Provision,
any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise
from contract; tort (intentional or otherwise); a constitution, statute, common law , or principles of equity; or
otherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims,
or otherwise. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is
enforceable.
b. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to P .O.
Box 84010, Sioux Falls, SD 571 18, which is received at the specified address within 30 days of the date that
you applied for an Account. The opt out notice must clearly state that you are rejecting arbitration; identify
the Account to which it applies by date; provide your name, address, and social security number; and be
signed by you. Y ou may send an opt out notice in any manner you see fit as long as it is received at the
specified address within the specified time. No other methods can be used to opt out of this Arbitration
Provision. If the opt out notice is sent on your behalf by a third party , such third party must include evidence
of his or her authority to submit the opt out notice on your behalf.
c. The party initiating arbitration shall do so with the American Arbitration Association (the �AAA�) or Judicial
Alternatives and Mediation Services (�JAMS�). The arbitration shall be conducted according to, and the
location of the arbitration shall be determined in accordance with, the rules and policies of the administrator
selected, except to the extent the rules conflict with this Arbitration Provision or any applicable law . If you
have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may
call 1(800) 778-7879 or visit the AAA �s web site at: www .adr.org. If you have any questions concerning
JAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit
their web site at: www .jamsadr .com. In the case of a conflict between the rules and policies of the
administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to applicable law ,
unless all parties to the arbitration consent to have the rules and policies of the administrator apply . In the
event that neither of the above named administrators is available, the party requesting arbitration may
choose an alternative arbitrator or arbitration provider .
d. If we (or DigniFi or any subsequent holder) elect arbitration, we (or DigniFi or the subsequent holder , as the
case may be) shall pay all the administrator �s filing costs and administrative fees (other than hearing fees). If
you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in
accordance with the rules of the administrator selected, or in accordance with applicable law if contrary to
the administrator �s rules. W e (or DigniFi or the subsequent holder , as the case may be) shall pay the
administrator �s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day
will be paid by the party requesting the hearing, unless the administrator �s rules or applicable law require
otherwise, or you request that we (or DigniFi or the subsequent holder) pay them and we agree (or DigniFi 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 14/22or the subsequent holder agrees) to do so. Each party shall bear the expense of its own attorneys� fees,
except as otherwise provided by applicable law . If a statute gives you the right to recover any of these fees,
these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.
e. Within 30 days of a final award by the arbitrator , any party may appeal the award for reconsideration by a
three-arbitrator panel selected according to the rules of the arbitration administrator . In the event of such an
appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will
reconsider de novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall
be governed by this Arbitration Provision and the administrator �s rules, in the same way as the initial
arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel
award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act
(�FAA�), and may be entered as a judgment in any court of competent jurisdiction.
f. We (and DigniFi and any subsequent holder) agree not to invoke our right to arbitrate an individual Claim
you may bring in Small Claims Court or an equivalent court, if any , so long as the Claim is pending only in
that court. W e (or DigniFi or any subsequent holder) will not initiate an arbitration proceeding to collect a
debt from you unless you assert a Claim against   us (or DigniFi or any subsequent holder). Y ou may seek
arbitration in a proceeding to collect a debt. W e (or DigniFi or any subsequent holder) may seek arbitration
in a proceeding to collect a debt if you assert a Claim against us (or DigniFi or any subsequent holder). NO
ARBITRA TION SHALL  PROCEED ON A CLASS, REPRESENT ATIVE, OR COLLECTIVE BASIS
(INCLUDING AS PRIV ATE A TTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR
CLAIMS THA T ARE THE SUBJECT OF THE ARBITRA TION HAD PREVIOUSL Y BEEN ASSER TED (OR
COULD HA VE BEEN ASSER TED) IN A COUR T AS CLASS, REPRESENT ATIVE, OR COLLECTIVE
ACTIONS IN A COUR T. Unless consented to in writing by all parties to the arbitration, no party to the
arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or
unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction.
Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the
rights and obligations of the named parties only , and only with respect to the claims in arbitration, and shall
not (a) determine the rights, obligations, or interests of anyone other than a named party , or resolve any
Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone
other than a named party . No administrator or arbitrator shall have the power or authority to waive, modify ,
or fail to enforce this section (f), and any attempt to do so, whether by rule, policy , arbitration decision or
otherwise, shall be invalid and unenforceable. Any challenge to the validity of this section (f) shall be
determined exclusively by a court and not by the administrator or any arbitrator .
g. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be
governed by and enforceable under the F AA. The arbitrator will apply substantive law consistent with the
FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief
permitted by applicable substantive law , subject to the limitations set forth in this Arbitration Provision. The
arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The
arbitrator shall take steps to reasonably protect confidential information.
h. This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to
this Agreement and the relationship of the parties and/or DigniFi or a subsequent holder; (ii) the bankruptcy
or insolvency of any party or other person; and (iii) any transfer of the Account or this Agreement, or any
interest in, or receivables arising under , the Account or this Agreement, to any other person or entity . If any
portion of this Arbitration Provision other than section (f) is deemed invalid or unenforceable, the remaining
portions of this Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought
on a class, representative, or collective basis, and the limitations on such proceedings in section (f) are
finally adjudicated pursuant to the last sentence of section (f) to be unenforceable, then no arbitration shall 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 15/22be had. In no event shall any such invalidation be deemed to authorize an arbitrator to determine Claims or
make awards beyond those authorized in this Arbitration Provision.
THE P ARTIES ACKNOWLEDGE THA T THEY HA VE A RIGHT T O LITIGA TE CLAIMS THROUGH A COUR T
BEFORE A JUDGE OR JUR Y, BUT  WILL NOT HA VE THA T RIGHT IF ANY P ARTY ELECTS ARBITRA TION
PURSUANT T O THIS ARBITRA TION PROVISION. SUBJECT T O SECTION (b), THE P ARTIES HEREBY
KNOWINGL Y AND VOLUNT ARIL Y WAIVE THEIR RIGHTS T O LITIGA TE SUCH CLAIMS IN A COUR T BEFORE
A JUDGE OR JUR Y UPON ELECTION OF ARBITRA TION BY ANY P ARTY.
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 T o Do If Y ou Find A Mistake On Y our Statement: If you think there is an error on your statement, write to
us as soon as possible at: P .O. Box 84010, Sioux Falls, SD 571 18.
In your letter , give us the following information:
Account information: Y our 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. Y ou may call us at 1-844-334-5107 or notify us electronically at
DigniFi@totalcardinc.com, but if you do, we are not required to investigate any potential errors and you may have
to pay the amount in question.
What W ill Happen After W e Receive Y our 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 our receipt of your letter , we will send you a written notice explaining either that we
corrected the error (to appear on your next statement) or the reasons we believe the bill is correct.
While we investigate whether or not there has been an error , the following are true:
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 until we send you a notice about the outcome of our
investigation, 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: Y ou will not have to pay the amount in question or any interest or other fees related to
that amount. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 16/22If we do not believe there was a mistake: Y ou will have to pay the amount in question, along with applicable
interest and fees. W e will send you a statement of the amount you owe, and the date payment is due. W e
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. W e 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 Y ou Are Dissatisfied W ith Y our Credit Card Purchases.
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address,
and the purchase price must have been more than $50. (Note: Neither of these are necessary if your
purchase was based on an advertisement we mailed to you, or if we own the company that sold you the
goods or services.);
2. You must have used your credit card for the purchase. Purchases made with cash advances do not qualify;
and
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at DigniFi,
P.O. Box 84010, Sioux Falls, SD 571 18.
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 do not pay , we may
report you as delinquent.
Addendum to W ebBank DigniFi
Credit Card Account Customer Agreement (�Agreement�)
This addendum is a supplement to your W ebBank DigniFi Credit Card Account Customer Agreement between you
and WebBank. The Agreement and the terms of this Addendum are the full terms of your agreement.
Promotion T erms
The six-month deferred interest promotional of fer is available on all approved purchases of $350 or more using the
DigniFi ExpressW ay credit card. Y our Deferral Period is 6 months from the date of purchase and is identified on
your billing statement as the Promotional Expiration Date. No interest will be charged on the promotional purchase
if you pay the promotional purchase amount in full within the Deferral Period. If you do not, interest will be charged
on the promotional purchase from the purchase date.
A Minimum Monthly Payment is required for the Applicable T erm. The required minimum monthly payments will
not pay off the promotional purchase by the end of the Deferral Period. The minimum monthly payment amount is
based on an amortization schedule where the transaction amount will be paid in full by the end of the Applicable
Term if the minimum payment amount is paid timely and in full. Y our minimum payment for your purchases will be 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 17/22added to any other minimum payments required on the account for other Promotional Credit Plans and Regular
Credit Plan Purchases. Failure to make the Minimum Monthly Payment could result in possible late fees and
negative credit reporting.
The Minimum Monthly Payment is identified on your billing statement.
The Applicable T erm is based on the purchase amount according to the following table:
Purchase Amount Applicable T erm APR
$350.00 to $650.00 12 months 27.99%
$650.01 to $900.00 18 months 27.99%
$900.01 to $1,100.00 24 months 27.99%
$1,100.01 to $1,300.00 30 months 27.99%
> $1,300.00 36 months 27.99% 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 18/22MLA COVERED BORROWER  
Addendum to Cardholder Agreement
DigniFi  
PO Box 7084  
Boulder , CO 80306-7084  
(855) 808-5861
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 receive this disclosure verbally over the phone, please call toll-free at 855.808.5861 to speak with a member of
our Customer Care Department.
The arbitration addendum included in this cardholder agreement does not apply to an MLA covered borrower .
Neither DigniFi nor W ebBank will require an MLA covered borrower to submit to mandatory binding arbitration.
DigniFi and/or W ebBank will NOT :
Require the covered borrower to waive the right to legal recourse under any other state or federal law ,
including the Servicemembers Civil Relief Act;
Require the covered borrower to submit to arbitration or other burdensome legal notice provisions, in the
case of a dispute;
Demand unreasonable notice from the borrower as a condition for legal action;
Require the covered borrower to establish an allotment to repay the obligation;
Prohibit the covered borrower from prepaying the consumer credit, or charge a prepayment penalty; or
Use a check or other method of access to a deposit, savings, or other financial account maintained by the
covered borrower . 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 19/22PRIV ACY NOTICE ST ATEMENT
Rev: 08/2019
FACTS WHA T DOES DIGNIFI DO WITH YOUR PERSONAL INFORMA TION?
WHY? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing.
Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand
what we do.
WHA T? The types of personal information we collect, and share depend on the product or service you have with us. This information can include:
Social Security number and account transactions
Credit history and credit scores
Income and employment information
When you are no longer  our customer , we continue to share your information as described in this notice.
HOW? All financial companies need to share customers' personal information to run their everyday business. In the section below , we list the reasons
financial companies can share their customers' personal information; the reasons DigniFi chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does DigniFi
share?Can you limit this
sharing?
For our everyday business purposes�  to process your transactions, maintain your account(s), respond to court
orders and legal investigations, or report to credit bureausYes No
For our marketing purposes�  to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes�  information about your transactions and experiences Yes No
For our affiliates' everyday business purposes�  information about your creditworthiness Yes Yes
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
To limit
our
sharingCall +1 (855) 808-5861  (tel:8558085861)
Email us: questions@dignifi.com  (mailto:questions@dignifi.com)
Please note:  If you are a new customer , we can begin sharing your information 30 days from the date we sent this notice. When you are no
longer our customer , we continue to share your information as described in this notice. However , you can contact us anytime to limit our sharing.
Questions? Call +1 (855) 808-5861  (tel:8558085861)  or visit www .dignifi.com 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 20/22Who W e Are
Who is providing this notice? DigniFi and its af filiates as listed below .
What W e Do
How does DigniFi protect my personal
information?To protect your personal information from unauthorized access and use, we use security measures that
comply with federal law . These measures include computer safeguards and secured files and buildings.
Additionally , DigniFi requires and trains its employees to comply with its privacy standards and policies,
which are designed to protect customer information.
How does DigniFi collect my personal
information?We collect your personal information, for example, when you
Apply for a loan
Open an account
Provide employment information
Give us your income information
Give us your contact information
We also collect your personal information from others, such as credit bureaus, af filiates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
Sharing for af filiates' everyday business purposes � information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaf filiates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on
your rights under state law .
What happens when I limit sharing for an
account I hold jointly with someone else?Your choices will apply to everyone on your account - unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our af filiates include companies with a DigniFi name such as
DigniFi Servicing, Inc.
DigniFi T echnologies, Inc.
DigniFi, Inc.
DigniFi Holdings, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
DigniFi does not share with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaf filiated financial companies that together market financial products or services to you.
DigniFi does not jointly market.
Other Important Information
California Residents:  Except as permitted by law or if you give us your permission, we will not share information we collect about you with nonaf filiates or
affiliates. Please see the notice titled "Important Privacy Choices for Consumers."
Nevada Residents:  If you prefer not to receive marketing calls from us, you may call +1 (855) 808-5861  (tel:8558085861)  to be placed on our Do Not Call
List. For more information, mail DigniFi 4772 W alnut St, Ste 200, Boulder , CO 80301 or visit www .dignifi.com. You may also contact the Bureau of Consumer
Protection, Of fice of the Nevada Attorney General, 555 E Washington St., Suite 3900, Las V egas, NV 89101, call 702-486-3132, or email
BCPINFO@ag.state.nv .us (mailto: BCPINFO@ag.state.nv .us). This notice is provided pursuant to state law .
Vermont Residents:  Except as permitted by law or if you give us your permission, we will not share information we collect about you with nonaf filiates or
affiliates. 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 21/22Rev: 08/2019 FACTS WHA T DOES WEBBANK DO WITH YOUR PERSONAL INFORMA TION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing.
Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand
what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and account transactions
Credit history and credit scores
Income and employment information
When you are no longer  our customer , we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below , we list the reasons
financial companies can share their customers' personal information; the reasons W ebBank chooses to share; and whether you can limit this
sharing.
Reasons we can share your personal information Does
WebBank
share?Can you limit
this sharing?
For our everyday business purposes�  such as to process your transactions, maintain your account(s), respond to
court orders and legal investigations, or report to credit bureausYes No
For our marketing purposes�  to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes�  information about your creditworthiness No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call +1 (855) 808-5861  (tel:8558085861)  or go to www .dignifi.com 4/7/2021 Card Holder Agreement
https://app.dignifi.com/cardholder_agreement 22/22What we do
How does W ebBank protect
my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with
federal law . These measures include computer safeguards and secured files and buildings.
How does W ebBank collect my
personal information?We collect your personal information, for example, when you
apply for a loan or give us your income information
tell us where to send the money or provide employment information
show us your government-issued ID
We also collect your personal information from others, such as credit bureaus, af filiates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
Sharing for af filiates' everyday business purposes � information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaf filiates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights
under state law .
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
WebBank does not share with our af filiates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
WebBank does not share with nonaf filiates so they can market to you.
Joint marketing A formal agreement between nonaf filiated financial companies that together market financial products or services to you.
WebBank does not jointly market.
DigniFi and Plaid T echnologies, Inc
Client uses Plaid T echnologies, Inc. ("Plaid") to gather End User's data from financial institutions. By using our service, you grant Client and Plaid the right,
power , and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to
your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy . (https://plaid.com/legal)
Other important information
Notice to V ermont Residents
We will not disclose information about your creditworthiness to our af filiates and will not disclose your personal information, financial information,
credit report, or health information to nonaf filiated third parties to market to you, other than as permitted by V ermont law , unless you authorize us to
make those disclosures.
Additional information concerning our privacy policies can be found at www .dignifi.com or call +1 (855) 808-5861  (tel:8558085861) .
Notice to California Residents
If you live in California, we will not share information about you (1) with our af filiates for their own purposes or (2) for joint marketing with other Financial
companies.