CARDMEMBER AGREEMENT — Self Financial Visa

 Credit Card — Version 6.0

®

Cardmember Agreement and Security Agreement

Thank you for choosing the Self Financial Visa Credit Card. This Cardmember Agreement and Security Agreement

(the “Agreement”) explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part

of this Agreement. 

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. THIS PROVISION AFFECTS YOUR RIGHTS IN

THE EVENT OF A DISPUTE WITH US, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS

ACTION LAWSUIT. THE ARBITRATION PROVISION CAN BE FOUND IN THIS AGREEMENT UNDER THE

HEADING “ARBITRATION.” 

Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you

have any questions. 

DEFINITIONS

Capitalized terms not otherwise deﬁned in this Agreement have the following meanings:

“Account” means your Self Financial Visa Credit Card account.

“Aﬃliate” means our parent corporations, subsidiaries and aﬃliates.

“Bank” means Lead Bank, the issuing bank of the Self Financial Visa Credit Card.

“Billing Cycle” means the time interval covered by a billing statement, which is approximately thirty days.

"Business Days" means Monday through Friday, excluding Federal Reserve Bank holidays.

“Card” means the Self Financial Visa Credit Card issued to you.

“Check” means any check we send to you to access your Account.

“Pricing Schedule” means the document entitled Pricing Schedule, which lists the APRs that apply to your Account

and other important information.

“Prime Rate” means the highest U.S. Prime Rate published in The Wall Street Journal Money Rates table on the last

business day of each month.

“Purchase” means the use of your Account to purchase or lease goods or services at participating merchants.

“Security Agreement” means the portion of the Agreement entitled, “Security Agreement”, which provides the

terms applicable to your security deposit.

“We,” “us” and “our” refer to the Bank.

“You,” “your” or “yours” refer to you and any other person(s) who are also contractually liable under this

Agreement.

“Transaction Date” means the date shown on your billing statement for a transaction or fee.

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ACCEPTANCE OF AGREEMENT

You accept this Agreement, and expressly agree to be bound by the terms, conditions, and disclosures of this

Agreement if (i) you do not cancel your Account within 30 days after receiving a Card, or (ii) you use your Card. You

may, however, reject the “Arbitration of Disputes” section as explained in that section. 

COMMUNICATIONS CONSENT

You expressly consent and agree that Bank and our aﬃliates, agents, assignees and service providers may use

written, electronic or verbal means to contact you. This consent includes, but is not limited to, contact by manual

calling methods, prerecorded or artiﬁcial voice messages, text messages, emails and/or automatic telephone dialing

systems. You agree that Bank and our aﬃliates, agents, assignees and service providers may use any email address

or any telephone number you provide, now or in the future, including a number for a cellular phone or other

wireless device, regardless of whether you incur charges as a result. For any wireless (cell phone) number you

provide, you represent that you are the subscriber or are authorized to consent to these communications on behalf

of the subscriber. You agree that the Bank may monitor and record any telephone calls to assure the quality of our

service or for other business reasons, and that you will advise us if your contact information changes. 

SECURED ACCOUNT; PROVISION OF SECURITY DEPOSIT

The Account is a secured credit card account. In consideration of the creation of the Account and the issuance of the

Card, you have agreed to provide a security deposit, in accordance with the terms of the Security Agreement below.

CHANGES TO YOUR AGREEMENT

The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term of this

Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the

change(s). We will not charge any fee or interest charge prohibited by law. 

USING YOUR ACCOUNT

Permitted Uses

You may use your Account for Purchases. You promise to use your Account only for personal, family, or household

purposes. You may not use it for illegal transactions. Purchases can only be made in the United States. We may

decline any transaction at any time. 

Authorized Users

At this time, we only support that you, as the cardholder, be the single user of the Card. We do not support

additional authorized users. If you permit any person to use your Card, you will be liable for all transactions made

by that person, including transactions for which you may not have intended to be liable. 

Checks

If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase. You may not use these

Checks to pay any amount you owe us. 

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Credit Authorizations

We do not guarantee approval of transactions. We may not authorize a transaction for security or other reasons,

such as Account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased

risk related to the transaction. We will not be liable to you if we decline to authorize a transaction or if anyone

refuses your Card, Check or Account number. 

Credit Lines

We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line.

If you do not, we may request immediate payment of the amount by which you exceed it. If you exceed your credit

limit, you will still remain liable for all credit you receive. We may delay increasing your available credit by the

amount of any payment that we receive for up to 10 Business Days. 

Your initial credit limit is based on the amount of the Security Deposit that you initially deposited to the Security

Deposit Account. However, we will charge your $25 annual fee to your Account, which will reduce your available

credit by that amount. 

Purchases

You may use your Account to make Purchases by presenting your Card or providing your Card number and

additional information (for example, in online or telephone transactions) to participating merchants and

establishments that honor the Card. 

We will not be liable to you (or anyone else) if any ATM, merchant or other person cannot or will not process a

purchase transaction permitted under this Agreement. Unless prohibited by applicable law, we may from time to

time limit the type, number and dollar amount of any transaction, even if you have suﬃcient available credit to

complete the transaction, and may terminate or suspend your use of the Card or the Account, with or without notice

to you before or at the time we take such action. 

Promise to Pay

When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases made,

plus all interest, fees and other amounts that you may owe us. We may limit or close your Account, but the terms of

this Agreement will apply until you pay the Account in full. 

Lost or Stolen Cards and Liability for Unauthorized Use

You must notify us immediately if your Card or Account information is lost or stolen, or you believe someone is using

your Account or a Card without your permission. You may contact us by phone at 1-877-883-0999 or in writing to

Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701. You agree to assist us in our

investigation of the matter. If you do this and we ﬁnd you not responsible, you will not be held liable for the

unauthorized use of your Account. 

To the extent not covered in elsewhere in this Agreement, Visa’s Zero Liability Policy provides you with protections

against certain unauthorized transactions on your Card. We will evaluate any such unauthorized transaction claims

for which you notify us, and we limit your liability for such transactions to zero. However, we may increase your

liability for such transactions if we reasonably determine, based on substantial evidence, that you were negligent or

acted fraudulently in the handling of your Card or Account. 

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FEES

The following fees may apply to your account. If they do apply, you will ﬁnd the amount in the Pricing Schedule. You

agree to pay any fees that apply. 

Annual Fee

We will charge an annual fee during your ﬁrst billing cycle after you open your Account and every 12 months

thereafter. 

Late Fee

We will not charge a late fee the ﬁrst time you do not make the Minimum Payment Due by the Payment Due Date.

After that, if you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. The

late fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee

was assessed. 

Returned Payment Fee

If you make a payment that is not honored by your ﬁnancial institution, we will charge you a returned payment fee,

even if the payment is subsequently honored after we re-submit it. The returned payment fee will never exceed the

Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. 

INTEREST CHARGES

Applicable Rate

See your Pricing Schedule for information about the Annual Percentage Rate (APR) that applies to your Account.

Your Pricing Schedule may include a variable APR. The Variable APR is determined by adding the number of

percentage points that we specify in the Pricing Schedule to the Prime Rate. The Variable APR will increase or

decrease when the Prime Rate changes. An APR change will take eﬀect on the ﬁrst day of the billing period that

begins during the same calendar month that the Prime Rate changes. An increase in the APR will increase your

interest charges and may increase your Minimum Payment Due. 

How We Calculate Interest Charges

We calculate interest charges each Billing Cycle. To calculate your balance for purpose of charging interest at the

end of each Billing Cycle, we use a method called “Average Daily Balance (including new purchases).” This method

involves a two-step calculation. 

First, we calculate the "Average Daily Balance" by doing the following:

We take the beginning balance each day during the monthly billing period, add any new Purchases and applicable

fees posted that day, and subtract any payments that are applied for that day. This gives us the daily balance. We

then add up all the daily balances for each day included in the monthly Billing Cycle, and divide by the total number

of days included in the monthly Billing Cycle. That gives us the Average Daily Balance. 

Next, we divide the applicable Annual Percentage Rate by 365. This gives us the "Daily Interest Rate".

Finally, we 1) multiply the Daily Interest Rate by the Average Daily Balance, then 2) multiply the result by the

number of days in the Billing Cycle. This gives us the interest charge. 

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Grace Periods. We will not assess interest charges on any new Purchases posted to your Account, provided you

have paid your previous month’s balance in full (or your previous month's balance was zero or a credit amount). If

you pay the “New Balance” amount on your previous billing statement by the Payment Due Date, as shown on that

billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by

the Payment Due Date on your current billing statement. New Purchases are Purchases that ﬁrst appear on the

current billing statement. 

When Interest Charges Begin. We begin to impose interest charges on a transaction from the day we add it to

the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid

paying interest on Purchases as described above. 

Minimum Interest Charge. A minimum interest charge of $1.00 will be assessed to your Account for any Billing

Cycle in which monthly interest is charged, but the calculated amount of the monthly interest is less than the

minimum interest charge. When this occurs, you will not be charged the calculated monthly interest charge, but will

instead be charged the minimum interest charge. 

MAKING PAYMENTS

Payment Instructions

• You must pay in U.S. dollars. Please do not send cash, checks or money orders. Sending cash is not allowed.

You may only make electronic payments using either a U.S. bank account or debit card. 

• You must pay us for all amounts due on your Account.

• We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your Account our

cost to convert it to U.S. dollars. 

• We can accept late payments, partial payments or payments marked “payment in full” or with any other

restrictive endorsement without losing any of our rights under this Agreement. 

• We credit your payments in accordance with the terms contained on your billing statement.

• If a third party makes a payment on your Account and we return all or a part of such payment, then we may

adjust your Account for any amount returned. We reserve the right to defend ourselves against any demand

to return funds we have received, and may agree to a compromise of the demanded amount as part of a

settlement. 

Minimum Payment Due

You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay

at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The “Minimum

Payment Due” will be the greater of: 

• $15; or

• Any amount past due plus 3% of the New Balance shown on your billing statement (excluding any interest

charges and fees shown on your billing statement). 

The Minimum Payment Due may also include amounts by which you exceed your Account credit line. It will never

exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance

certain fees added to your Account during the billing period. The Minimum Payment Due is rounded up to the

nearest dollar. 

How We Apply Payments

We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all

cases, we will apply payments and credits as required by applicable law. 

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OTHER IMPORTANT INFORMATION

Default

You are in default if:

• you ﬁle bankruptcy or another insolvency proceeding is ﬁled by you or against you;

• you provide us with any false or misleading information;

• we have a reasonable belief that you are unable or unwilling to repay your obligations to us;

• you die or are legally declared incompetent or incapacitated;

• you use a check or instrument for payment which is dishonored;

• any other creditor tries by legal process to take money of yours, including Funds (as deﬁned in the Security

Agreement), in our possession; 

• you fail to comply with the terms of this Agreement or any Agreement with us or an aﬃliate, including failing

to make a required payment when due, exceeding your Account credit line or using your Card or Account for

an illegal transaction. 

If you are in default, we may declare the entire balance of your Account immediately due and payable without

notice.

Re-Veriﬁcation of Credit Information

We can review any information you provided on your application at any time. This may include:

• requesting credit bureau reports;

• verifying your current credit standing; and

• verifying your employment, assets and income records.

Collection Costs

If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include

reasonable attorneys’ fees, court or other collection costs, and fees and costs of any appeal. 

Automatic Account Information Updates

You may set up automatic billing or store your Account information with a merchant, wallet provider, or other third

party. If your card information changes, which may include billing address, you authorize us to provide this updated

information to any such merchant, wallet provider, or other third-party at our discretion. You must contact the

merchant, wallet provider, or other third-party directly or remove your credit card information from the merchant

site, wallet provider, or third-party if you wish to stop automatic billing or account updates. 

Privacy Policy

We send you our Privacy Policy when you open your Account and annually. Contact us at help@self.inc if you would

like a copy. Please read it carefully. It summarizes: 

• the personal information we collect;

• how we safeguard its conﬁdentiality and security;

• when it may be shared with others; and

• how you can limit our sharing of this information.

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Reporting to Credit Reporting Agencies

We may from time to time review your credit, employment and income records. We may report the status and

payment history of your Account to credit reporting agencies and other creditors. We normally report to credit

reporting agencies each month. If you believe that the information we reported is inaccurate or incomplete, please

write us at Lead Bank c/o Self Financial, Inc. 515 Congress Ave, Suite 2200, Austin, TX 78701. Please include your

name, address, home phone number and Account number. 

Cancellation of Your Account

• You may cancel your Account. You will remain responsible for any amount you owe us under this Agreement.

• We may cancel, suspend or not renew your Account at any time without notice.

Governing Law

Except as provided in the “ARBITRATION” section, this Agreement is governed by applicable federal law and by

Missouri law, without regard to its choice-of-law rules. For purposes of Mo.Rev.Stat. §408.145, the provisions of

Nebraska law, and not Mo.Rev.Stat. §408.140, will govern credit card fees (but not interest) under this Agreement. 

Severability

If any part of this Agreement is found to be invalid, the rest of it will still remain in eﬀect. However, if the waiver of

class actions in the “ARBITRATION” section is invalidated in any proceeding in which you and we are involved, then

the entire “ARBITRATION” section will be void with respect to that proceeding. 

Enforcing this Agreement

We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of

them.

Assignment of Account

We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or

transfer your Account without ﬁrst obtaining our prior written consent. 

MILITARY BORROWERS

Statement of Military Annual Percentage Rate (MAPR)

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: (1) the costs associated with credit insurance premiums; (2) fees for ancillary

products sold in connection with the credit transaction; (3) any application fee charged (other than certain

application fees for speciﬁed credit transactions or accounts); and (4) any participation fee charged (other than

certain participation fees for a credit card account). 

Oral Disclosures

Before agreeing to this Agreement, in order to hear important disclosures and payment information about this

Agreement, or whether this section applies to you, please call 1-877-883-0999 anytime 24/7. 

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CONTACT US

Unless we tell you otherwise, you can notify us: by phone at 1-877-883-0999 or in writing to Lead Bank c/o Self

Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701. When writing, please include your name, address, home

phone number and Account number. You must contact us within 15 days after changing your e-mail address, mailing

address or phone number. 

STATE DISCLOSURES:

(1) MARRIED WISCONSIN RESIDENTS: You agree that no provision of any marital property agreement, unilateral

statement under the Wisconsin Marital Property Law or court decree will adversely aﬀect our interests unless, prior

to the time credit is granted, we are given a copy of the agreement, statement, or decree or we have actual

knowledge of the adverse provision. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a

separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2)

may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby

notiﬁed that a negative credit report reﬂecting on your credit record may be submitted to a credit reporting agency

if you fail to fulﬁll the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination

require that all creditors make credit equally available to all credit worthy customers, and that credit reporting

agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission

administers compliance with this law. (4) NEW YORK RESIDENTS: New York residents may contact the New York

State Department of Financial Services by telephone or visit its website for free information on comparative credit

card rates, fees and grace periods. NY State Dept of Financial Services: 1-800-342-3736 or visiting http://

www.dfs.ny.gov/consumers/banking_money (5) NEW YORK AND VERMONT RESIDENTS: We may obtain 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. If you are a Vermont resident, you consent to the obtaining of such reports by signing

or otherwise submitting a credit application. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in

excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay

more than the minimum payment due, up to your entire outstanding balance, at any time. (7) UTAH RESIDENTS:

As required by Utah law, you are hereby notiﬁed that a negative credit reporting reﬂecting on your credit record

may be submitted to a credit reporting agency if you fail to fulﬁll the terms of your credit obligations. 

ARBITRATION

This Arbitration Provision does not apply if, on the date you submit your Application or on the date we seek to

invoke our arbitration provision, you are a member of the Armed Forces or a dependent of such a member covered

by the federal Military Lending Act, 10 USC § 987 and its implementing regulations, 32 CFR § 232.1, et sec. If you

would like more information about whether you are covered by the Military Lending Act, please contact us at

1-877-883-0999. 

IT IS IMPORTANT THAT YOU READ THIS ARBITRATION PROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE

REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH

CLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A

JURY. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION, OR

OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS 

Agreement to Arbitrate. In the event of a dispute, claim, or controversy between you and us arising out of or

relating to this Account, or the relationships resulting from this Account or any other dispute between you or us

(“Claim”), either you or we may choose to resolve the Claim by binding arbitration, as described below, instead of in

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court. Any Claim (except for a claim challenging the validity or enforceability of this arbitration agreement, including

the Class Action Waiver) may be resolved by binding arbitration if either side requests it. THIS MEANS IF EITHER YOU

OR WE CHOOSE ARBITRATION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO

HAVE A JURY TRIAL. DISCOVERY AND APPEAL RIGHTS ALSO ARE LIMITED IN ARBITRATION. 

Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim

made by a new party or any new Claims later asserted in that lawsuit. 

The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent

necessary to provide relief warranted by that party’s individual claim. If a court decides that applicable law

precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then after all appeals

from that decision have been exhausted, that claim (and only that claim) must be severed from the arbitration and

may be brought in court. 

Your Right to Go To Small Claims Court. We will not choose to arbitrate any individual claim you bring in small claims

court or your state’s equivalent court. However, if such a claim is transferred, removed or appealed to a diﬀerent

court, we may then choose to arbitrate. 

Governing Law and Rules. This arbitration agreement is governed by the Federal Arbitration Act (FAA). Arbitration

must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be

those in this arbitration agreement and the procedures of the chosen arbitration organization, but the rules in this

arbitration agreement will be followed if there is disagreement between the agreement and the organization’s

procedures. If the organization’s procedures change after the claim is ﬁled, the procedures in eﬀect when the claim

was ﬁled will apply. For a copy of each organization’s procedures, to ﬁle a claim or for other information, please

contact: 

• AAA at 1101 Laurel Oak Rd., Voorhees, NJ 08043, www.adr.org (phone 1-877-495-4185) or

• JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018,www. jamsadr.com (phone 1-800-352-5267).

If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or

we may request that a court with jurisdiction appoint a substitute. 

Fees and Costs. If you wish to begin arbitration against us but you cannot aﬀord to pay the organization’s or

arbitrator’s costs, we will advance those costs if you ask us in writing. Any request like this should be sent to Lead

Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701. If you lose the arbitration, the arbitrator

will decide whether you must reimburse us for money we advanced for you for the arbitration. If you win the

arbitration, we will not ask for reimbursement of money we advanced. Additionally, if you win the arbitration, the

arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys’ fees and costs (if actually

paid by you). 

Hearings and Decisions. Arbitration hearings will take place in the federal judicial district where you live. A single

arbitrator will be appointed. 

The arbitrator must:

• Follow all applicable substantive law, except when contradicted by the FAA;

• Follow applicable statutes of limitations;

• Honor valid claims of privilege;

• Issue a written decision including the reasons for the award.

The arbitrator’s decision will be ﬁnal and binding except for any review allowed by the FAA. However, if more than

$100,000 was genuinely in dispute, then either you or we may choose to appeal to a new panel of three arbitrators.

The appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must

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be ﬁled with the arbitration organization not later than 30 days after the original award issues. The appealing party

pays all appellate costs unless the appellate panel determines otherwise as part of its award. 

Claim Notice and Special Payment. If you have a Claim, before initiating an arbitration proceeding, you may give us

written notice of the Claim (“Claim Notice”) at least 30 days before initiating the arbitration proceeding. The Claim

Notice must include your name, address, and account number and explain in reasonable detail the nature of the

Claim and any supporting facts. Any Claim Notice shall be sent to us at Lead Bank c/o Self Financial, 515 Congress

Ave, Suite 2200, Austin, TX 78701 (or such other address as we shall subsequently provide to you). If, and only if,

(1) you submit a Claim Notice in accordance with this agreement on your own behalf (and not on behalf of any other

party); and (2) an arbitrator, after ﬁnding in your favor in any respect on the merits of your claim, issues you an

award that (excluding any arbitration fees or attorneys’ fees and costs awarded by the arbitrator) is greater than

the value of Bank's last written settlement oﬀer made before an arbitrator was selected, then you will be entitled to

the amount of the award or $7,500, whichever is greater. If you are entitled to the $7,500, you will receive in

addition any arbitration fees or attorneys’ fees and costs awarded by the arbitrator. 

Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction.

Other Beneﬁciaries of this Provision. In addition to you and us, the rights and duties described in this arbitration

agreement apply to: our Aﬃliates and our and their oﬃcers, directors and employees; any third party co-defendant

of a claim subject to this arbitration provision; and all joint Account Holders. 

Survival of this Provision. This arbitration provision shall survive:

• closing of your Account;

• voluntary payment of your Account or any part of it;

• any legal proceedings to collect money you owe;

• any bankruptcy by you; and

• any sale by us of your Account.

You Have the Right to Reject Arbitration for this Account. You may reject the arbitration agreement but only if we

receive from you a written notice of rejection within 30 days of your receipt of the Card after your Account is

opened. You must send the notice of rejection to: Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200,

Austin, TX 78701, ATTN: Compliance. Your rejection notice must include your name, address, phone number,

Account number and personal signature. No one else may sign the rejection notice for you. Your rejection notice

also must not be sent with any other correspondence. Rejection of arbitration will not aﬀect your other rights or

responsibilities under this Agreement. If you reject arbitration, neither you nor we will be subject to the arbitration

provisions for this Account. Rejection of arbitration for this Account will not constitute rejection of any prior or future

arbitration agreement between you and us. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice contains important information regarding 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: Lead Bank c/o Self Financial, 515 Congress Ave, Suite

2200, Austin, TX 78701. You may also contact us on the Web at www.self.inc/contact. 

In your letter or on the Web, please give us the following information:

• Account information: Your name and account number;

• The posting date of the transaction in question;

• Dollar amount: The dollar amount of the suspected error; and

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• 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 Written or Electronic Notice

When we receive your written or electronic notice, we must do two things:

1. Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we have

already corrected the error. 

2. Within 90 days of receiving your notice, we must either correct the error or explain to you why we believe the

statement 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 continue to appear on your statement, and we may continue to charge you

interest on that amount. If we determine that we made a mistake, you will not have to pay the amount in

question or any interest or fees related to 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 ﬁnd that 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 ﬁnd that we made 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 that payment is due. If

you do not pay the amount we think you owe, we may report you as delinquent. 

If you receive our explanation but still believe your bill is wrong, and you write to us within 10 days telling us that

you still refuse to pay, 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 questioned amount, even if

your bill is correct. 

Your Rights If You Are Dissatisﬁed With Your Credit Card Purchases

If you are dissatisﬁed with the goods or services that you have purchased with your credit card, and you have tried

in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount

due on the purchase. 

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address,

and the purchase price must have been more than $50. (Note: Neither of these are necessary if your

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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.

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 Lead Bank

c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701, or electronically at www.self.inc/contact. 

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. 

Security Agreement

This is the Security Agreement for your Account.

1. Security; Security Deposit Account

In consideration of and as a condition to our opening the Account for you and for other good and valuable

consideration, you are providing or otherwise arranging for certain of your funds ("Funds") to serve as security for

your Account. You authorize us to open a deposit account at Bank in your name and under our exclusive control (the

"Security Deposit Account"), which will serve as security for your Account. You grant us a security interest in the

Security Deposit Account, which will include any and all future additions to the Security Deposit Account. No portion

of the Security Deposit Account may be used to secure other loans. The minimum amount required to be deposited

in the Security Deposit Account is the amount of your Account credit line, but will not be less than $100. You may

make a transfer to the Security Deposit Account solely for purposes of funding your required security deposit. The

Security Deposit Account will be solely owned by you. Funds in the Security Deposit Account at Bank are insured by

the Federal Deposit Insurance Corporation ("FDIC") up to the maximum allowable limits. For more detailed

information on FDIC coverage, contact the FDIC directly at 1-877-ASKFDIC (1-877-275-3342), (TDD:

1-800-925-4618) or visit www.fdic.gov. 

a. If you have a Credit Builder Account. If you currently have a Credit Builder Account (managed by Self

Financial) with Lead Bank or another bank, including Sunrise Banks, N.A. or Atlantic Capital Bank, National

Association, then (1) you agree that the certiﬁcate of deposit (“CD”) that has been established in connection with

your Credit Builder Account constitutes Funds that serve as security for your Account; (2) you grant us a security

interest in the CD; and (3) you agree that Lead Bank has the sole and absolute right and authority to direct the

disposition of the Funds held in the CD without your consent or agreement (subject to any prior lien of the bank

holding the CD), and that you authorize and direct the ﬁnancial institution with which you have established a Credit

Builder Account to comply with such direction. Upon closure, default, or full repayment of your Credit Builder

Account, you authorize and direct us to, on your behalf, cause the transfer from the CD to the Security Deposit

Account, of an amount equal to your credit limit (at the time of the transfer) for your Account (or the full amount of

the funds remaining from your CD, if less than your credit limit) and you authorize and direct the ﬁnancial institution

holding the CD to comply with such direction. Once Funds have been transferred from the CD to your Security

Deposit Account, those Funds will continue to serve as security for your Account. We may choose, in our discretion,

not to perfect our security interest in a CD held at another bank. 

b. If you do not have a Credit Builder Account. If you currently do not have a Credit Builder Account, then you

agree to transfer Funds from another funding source owned by you (such as a deposit account or prepaid card) to

the Security Deposit Account to serve as security for your Account. Your Account will not be opened until your

Security Deposit Account has been funded. 

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2. Withdrawals

You will not be permitted to make withdrawals from the Security Deposit Account (See Section 9 below for terms

and conditions regarding return of the Funds and closure of your Account.) We will have the right to withdraw your

funds from the Security Deposit Account as permitted under Sections 8 and 9 below. 

3. Additional Funds

Other than depositing Funds to secure your Account, you will not be permitted to make deposits to the Security

Deposit Account. 

4. Security Deposit Account Statements

You will get a monthly Security Deposit Account statement as part of your Account statement.

5. Electronic Fund Transfers to or from your Security Deposit Account

You may fund your Security Deposit Account with an electronic fund transfer ("Transfer"). If we do not complete a

Transfer to your Security Deposit Account on time or in the correct amount according to our agreement with you, we

will be liable for your losses or damages. However, we will not be liable if circumstances beyond our control (such as

ﬁre or ﬂood) prevent the transfer, despite reasonable precautions that we have taken. In case of errors or questions

about your funding Transfers call us at 1-877-883-0999 or write us at Lead Bank c/o Self Financial, 515 Congress

Ave, Suite 2200, Austin, TX 78701 as soon as you can, if you think your statement is wrong or if you need more

information about a funding Transfer listed on the statement. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared. (1) Tell us your name and Account number. (2)

Describe the error or the Transfer you are unsure about, and explain as clearly as you can why you believe it is an

error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we

may require that you send us your complaint or question in writing within 10 Business Days. We will determine

whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we

need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do

this, we will credit your Security Deposit Account within 10 Business Days for the amount you think is in error (if

applicable), during the time it takes us to complete our investigation. If we ask you to put your complaint or

question in writing and we do not receive it within 10 Business Days, we may not credit your Security Deposit

Account (if applicable). For errors involving a new Security Deposit Account, we may take up to 90 days to

investigate your complaint or question. For a new Security Deposit Account, we may take up to 20 Business Days to

credit your Security Deposit Account (if applicable) for the amount you think is in error. We will tell you the results

within three Business Days after completing our investigation. 

6. Pledge and Grant of Security Interest

You understand that granting us a security interest in the Security Deposit Account (or the CD, to the extent that

funds in the CD constitute the Funds that serve as security for your Account) is a necessary condition for opening

your Account. Your Account will not be opened until you have either provided us a security interest in the CD or

funded the Security Deposit Account. As security for the prompt payment and performance of all your obligations to

us arising pursuant to the Account ("Obligations"), you hereby grant a security interest to us in all of your right, title,

and interest in the Security Deposit Account, the CD (if any), and any and all Funds, including all proceeds of and

additions to the Security Deposit Account, the CD, and the Funds. We may increase or decrease your Account credit

line and no such action shall change the fact that the Security Deposit Account, the CD (if any), and the Funds, are

held by us as security for the Obligations. You represent that there are no current lawsuits or bankruptcy

proceedings that might aﬀect our interest in the Security Deposit Account, the CD, or the Funds. You have not and

will not attempt to transfer or oﬀer any interest in the Security Deposit Account or the Funds to any person other

than us. You and we acknowledge that subject to our possession of and security interest in the Security Deposit

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Account and the Funds, you retain beneﬁcial ownership of the Security Deposit Account and the Funds held at the

Bank for FDIC insurance purposes. 

7. Interest on Funds

No interest will be paid on the Funds. If we do pay interest on Funds in the Security Deposit Account in the future,

we will add it to the Security Deposit Account. 

8. Application of Funds to the Account

If you are in default under the Cardmember Agreement or the Account is closed for any reason, you authorize us at

any time(s) to withdraw all or any portion of the Funds from the Security Deposit Account or the CD and apply them

to reduce your Obligations. Any such application of Funds will not constitute any part of the Minimum Payment Due

under the Cardmember Agreement. You will continue to be responsible for making payments as required under the

Cardmember Agreement and for repaying any outstanding Obligations. Our rights under this Security Agreement

are in addition to any others we have under applicable law. We may make settlements or compromises on the

Security Deposit Account, transfer the Security Deposit Account to our name, or exercise ownership rights on the

Security Deposit Account. We are not required to notify you of any of the above. 

9. Return of Funds

If we determine that you qualify for return of any Funds from the Security Deposit Account, we will return these

Funds to you by a method we deem suﬃcient. If your Account is closed, we will return any excess Funds that remain

in the Security Deposit Account after repayment of all Obligations. We generally return these excess Funds within

ten days after the end of the second billing period following the time that Funds are initially applied to reduce your

Obligations. If we mail a check to you, we will mail it to your mailing address on ﬁle with us for the Security Deposit

Account. In the event of your death, we will not release Funds on deposit unless all Obligations have been repaid

and all legal documents we require are delivered to us. 

10. Conﬁdentiality

We will disclose information to third parties about your Security Deposit Account or any transfers you make: (a)

where it is necessary for completing a transfer, or (b) in order to verify the existence and condition of your Security

Deposit Account for a third party, or (c) in order to comply with government agency or court orders, or (d) if you

give us your written permission, or (e) as permitted by the privacy notice we have provided to you. 

11. Legal Proceedings

We may comply with any writ of attachment, adverse claim, garnishment, tax levy, restraining order, subpoena,

warrant, or other legal proceeding involving your Security Deposit Account which we believe to be valid. If your

Account, your Security Deposit Account, or your Funds become involved or are likely to become involved in a legal

proceeding, you understand that the entire balance of your Funds in the Security Deposit Account may be restricted

until the matter has been resolved. Such proceedings are subject to our security interest. We shall be entitled to

rely upon the representations, warranties, and statements made in such legal proceedings. You agree to hold

harmless and indemnify us for any losses, expenses and costs, including reasonable attorneys' fees, incurred by us

as a result of complying with such legal proceedings. In addition to the events of default set forth in the

Cardmember Agreement, you will be in default under the Cardmember Agreement if we are served or become

involved with a legal proceeding regarding the Funds or Security Deposit Account. 

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12. Miscellaneous

This Security Agreement and our security interest and rights as pledge hereunder are governed by Missouri law. We

may, in our sole discretion, assign the Security Deposit Account and our rights and obligations under this Security

Agreement. If we use an attorney to defend or enforce our rights under this Security Agreement or to perform any

legal services in connection with this Security Agreement, we may charge you our legal costs as permitted by law.

This Security Agreement is part of the Cardmember Agreement. The other terms of the Cardmember Agreement

apply to this Security Agreement, and any disputes regarding the terms of this Security Agreement are subject to

Arbitration as set forth in the Cardmember Agreement. The terms of this Security Agreement shall survive and

continue to apply to the Security Deposit Account following closure of the Account or the Security Deposit Account,

and shall be binding on you even if you cancel your Account or do not accept the Cardmember Agreement as

permitted in the Cardmember Agreement. If any part of the Security Agreement is invalid, the rest of the Security

Agreement will remain in eﬀect. 

Pricing Schedule

This Pricing Schedule is part of the Cardmember Agreement and Security Agreement.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for

Purchases

23.74%
This APR will vary with the market based on the Prime Rate 

APR for Balance Transfers

Not Applicable.

APR for Cash Advances

Not Applicable.

Penalty APR and When it Applies

None.

How to Avoid Paying Interest on

period (at least 23 days for billing periods that begin in February).

Purchases

We will not charge you any interest on purchases if you pay your

Your due date is at least 25 days after the close of each billing

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

or using a credit card, visit the website of the Consumer

Consumer Financial Protection Bureau

Financial Protection Bureau at https://

To learn more about factors to consider when applying for

www.consumerﬁnance.gov/learnmore. 

Fees

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$25.00

NOTICE: The annual fee will be assessed before you begin using

your card and will reduce the amount of credit you initially have

available.

Annual Fee

only $75. If your initial credit limit is $125, your initial available

If your initial credit limit is $100, your initial available credit will be

credit will be only $100. If your initial credit limit is $150, your

initial available credit will be only $125.

You may still reject this plan, provided that you have not yet used

the account or paid a fee after receiving a billing statement. If you

do reject the plan, you are not responsible for any fees or charges.

Late Payment

Up to $15.00.

Returned Payment

Up to $15.00.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new

purchases)." See your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in

your account agreement. 

Variable Rate Information. The Purchase APR is equal to the Prime Rate plus a margin of 18.49% (daily periodic

rate currently 0.06504%). Variable APRs are based on the 5.25% Prime Rate as of August 1, 2019. 

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