75” o xm FOLD o| i FOLD FOLD     representatives. Our Liability To You. Weither Celtic Bank nor Continental Finance will have any liability to you other than as provided in the Agreement and these terms and conditions. Unless imposed by law, nelther Celtic Bank nor Continental Finance will be liable for any indirect, punitive, incidental, special or consequential loss ar damages with respect to this Agreement. Notices. We will send Monthly Billing Statements-and any other notices to you at the address shown in our files. If you choose to receive Monthly Billing Statements electronically, we will send them and any other notices to you at the email address shown in our files. You promise to inform us promptly in writing of any change in your address or email address. Any written notice from you tous must be sent tous at Continental Finance, P.0, Box 3220, Buffalo, NY 1420-3220 or to Such other address as we may give you, and shall be effective when received by us at such address. In determining your last known address, we can accept address corrections received trom the ll.5. Postal Service, Credit Limit Increases. Your Account will be reviewed fora Credit Limit Increase in accordance with Applicable Law after your Account has been open forat least 12 months. In order to receive a Credit Limit Increase, you must quality for and elect to receive such increase. Each Credit Limit Increase may vary in size but will be subject to a maximum Credit Limit of $3,000.00. Each Credit Limit Increase will appear on your Account no later than one (1) month after you have qualified for such increase. We may change the criteria applied to determine your eligibility tora Credit Limit Increase atany time in our sole discretion in accordance with Applicable Law. In addition, we may elect, in our sole discretion, to modify or discontinue the practice of granting Credit Limit Increases. Foreign Currency Conversion Rate. |f you effect a transaction at a merchant that settles in a currency ather than U.S. dollars, the transaction amount will be converted into US. dollars at a government-mandated exchange rate, ora wholesale exchange rate. The government-mandated exchange rate or wholesale exchange rate is the rate selected for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted lo your Account. Call Monitoring/Recording, You authorize us and any third party servicing your Account to listen to and record telephone calls with you lo evaluate the quality of service or for any other lawful purpose, if permilled under Applicable Law, Sale/Assignment/Transter, We may sell, assign, or transfer all or any portion of your Account or any Account balances due under your Account without prior notice to you. You may not sell, assign, ar transfer your Card or your Account or any ‘of your obligations under this Agreement. Use of Information about You and Your Account. Because you applied for a Card, we are entitled under Applicable Law, including the Fair Credit Reporting Act, to obtain information about you froma credit reporting agency. We may also verily your credit references and other information that you provide to us. We may obtain updated or additional information about you, including consumer reports, rom time to time for any legitimate purpose including, but not limited to, the extension of credit Lo you or the review or collection of your Account. We will reportlate payments, missed payments, or other defaults on your Account to credit bureaus. You understand to prevent the funding of terrorism and money laundering, the United States Government requires financial institutions obtain, verify and retain certain cardholder information, such a5 your name, address, date of birth and other identifying information including your driver's license or other government-issued ID, to allow ws to confirm your identity. We will retain this information, With respect to information about you and your Account that is covered by ‘our privacy policy, we will use such information in accordance with the terms of the Privacy Policy. How to Contact Us. For general inquiries and correspondence we can be reached in writing at: Continental Finance, P.O, Box 3220, Buffalo, MY 14240-3220. Or, you can call our Customer Service Department at 1-866- 449-4514. Automated Account information is available 24 hours a day, 7 days a week with representatives available Monday — Friday between the hours of 7:00 a.m, to 10:00 p.m, and Saturday between the hours of 9:00 a.m, to-4:00 p.i., Eastern Time, Payments should be mailed to the address listed on your Monthly Billing Statement. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Monthly Billing Statement. I you think there is an error on your Monthly Billing Statement, virite to us at: Continental Finance P.O. Box 3220 Butfalo, NY 14240-3220 FOLD In your letter, give us the following information: + Account information: Your name and Account number, + Dollar amount: The dollar amount of the suspected error. + Description of problem: If you think there is an error on yout Monthly Billing Statement, describe what you believe iswrong and why you believe itis a mistake. You must contact ws: + Within 60 days after the error appeared on your Manthly Billing Statement. + Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to nay the amount in question, What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1, Within 30 days of receiving your letter, we must tell you that we received your letter, We will also tell you if we have already corrected the error. 2, Within 90 days, of receiving your letter, we must either correct the error or explain to you why we believe the Monthly Billing 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 remain on your Monthly Billing Statement, and we may continue to-charge you + INTEREST CHARGES on that amount. + While youdo not have to. pay the amount in question, you are responsible for the remainder af your Account balance. + We can apply any unpaid amount against your Credit Limit, After we finish our investigation, one of two things will happen: « If we mode o mistake: You will not have to pay the amount in question or any INTEREST CHARGES, Fees or Other Charges related to that amount. « [we do not believe there was a mistake: You will have to pay the amount in question, along with applicable INTEREST CHARGES, Fees and Other Charges. We will send you a Monthly Billing Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe, IF you receive our explanation but still believe your Monthly Billing Statement 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 Monthty Billing Statement. We must tell you the name of anyane to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us, li 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 Monthly Billing Statement is correct. Your Rights if You Are Dissatisfied With Your Credit Card Purchases. Ifyou are dissatisfied with the goods or services that you have purchased with your Card and you have tried in good faith tocorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the puechase, To use this right, all of the following must be true: 1. The purchase must have been made in your hame state or within 100 miles af your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary i! your purchase was based on an advertisement we mailed to you, or if we own the campany that sold you the goods or services. | 7, You must have used your Card for the purchase. Purchases made with cash advances from an ATM or witha check that accesses your Account do net qualify, 4, You must not yet have fully paid for the purchase. [fall of the criteria above are met and you are still dissatisfied with the purchase, cantact ws in writing at: Continental Finance PO, Box 3220 Butfalo, NY 14240-3220 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you aur decision. Al that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 9 FOLD STATE DISCLOSURES California Residents, & married applicant may apply fora separate Account, As required by law, you are hereby notitied that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right to use the Account up to the limit of the Account, Each applicant may be fiable for amounts extended under the plan to any joint applicant. Delaware Residents. Service charges nol in excess of thase permitted by law will be charged on the outstanding Account balances from manth to month, Kentucky Residents. You may pay the unpaid balance of your Account in whole or in part at any time. New York and Vermont Residents. We may obtain a consumer report for any legitimate purpose in connection with your Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your Account. Upon your request, we will inform you of the names and addresses of any Consumer Reporting Agencies that fave furnished the reports. New York residents may contact the New York State Banking Department (1-800-242-3736) to obtain.a comparative list of credit card rates, fees and grace periods. Ohio Residents. The Dhio laws against discrimination require thet all creditors make credit equally avaitableto all credit worthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents. No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor's interests unless prior to. the time credit is granted, the creditor is furnished with a copy af the agreement, statement, or court order, or has actual knowledge of that provision, Married Wisconsin residents are required to contact us at P,Q, Box 3220, Buffalo, NY 14240-3220 to provide the name and address of your spouse, ARBITRATION PROVISION PLEASE READ CAREFULLY: This Arbitration Provision (the “Provision”) waives any right to file claims in court, other than a small claims court, or to participate ina class action or other consolidated proceeding. CARDHOLDERS COVERED BY THE MILITARY LENDING ACT. Notwithstanding any other provision of this Agreement, if you are a “covered borrower” under the Military Lending Act, as defined in at 32 CFR § 232.3(g), the Arbitration Provision does not apply to you, Unless you opt out of this Provision in the manner set forth below in subpart {p), any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision (the “Claim(s}"} shall be resolved exclusively by binding bilateral arbitration in accord with the fallowing: a) This Provision is contained ina contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9ULS.C, Sections 1-16. b) Arbitration in accordance with this Provision shall be conducted by the American Arbitration Association ("AAR") by a single arbitrator (the “Arbitrator”) using the applicable rules and procedures established by the AAA for expedited consumer arbitration, To the extent any of the AAA's rules and procedures contradict the express terms of the Provision, the Provision shall control and the contradictory portions of the AAA's rules and procedures shall not apply. The Arbitrator shall enforce the Applicable Law in the Agreement and shall honor applicable statutes of limitations and Claims of privilege. The Arbitrator may award any relief avaliable under Applicable Law, provided that the Arbitrator is not authorized to award punitive or other damages not measured by the prevailing party's actual damages. d) You or we may choose to have a hearing, appear at any heating by phone or other electronic means, and/or be represented by counsel. Any in-person arbitration hearing or proceeding shall beheld inthe same city as the U.S. District Court closest to your billing address unless you and we agree otherwise. 6) The Arbitrator has na authority to conduct class, joint, private attorney general or consolidated arbitration Proceedings on any Claim, and may award relief only an an individual basis. If you assert a Claim against us, we can choose to arbitrate. Claims brought as part of a class action, ar any other representative action can be arbitrated only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class action or ather representative action. Claims-of two (2) or more persons may not be combined in the same arbitration, {] Except a5 may be required by law, neither a party nar its representatives may disclose the existence, content, ar results of any arbitration hereunder without the priar written consent of al! parties. No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in priar disputes involving other parties have preclusive effect in an arbitration between the parties to this Provision, 10 —u| g) AAA rules and procedures applicable to fees shall determine the allocation of the initial filing fees for the arbitration. This subpart (g) shall not affect attorney's fees or costs, including witness or expert witness’ fees or costs. You shall be responsible for your own attomey’s fees and costs. h) If permitted by Applicable Law, the Arbitrator may award reasonable attomey's fees and costs as well as reimbursement of other expenses to the party who substantially prevails in arbitration, andior to the extent that the Arbitrator determines a party's claim or counterclaim was filed for purposes of harassment or is frivolous. i) Inthe event the AAA or its rules and procedures are unavailable for any reason, you or we may ask a court to appoint a substitute Arbitrator to arbitrate under comparable rules and procedures. The unavailability of the AMA or its rules and procedures shall not render Lhe Provision unenforceable, {} The Provision covers any Claim arising out of or in any way relating to the Provision itself. All issues of arbitrability must he arbitrated, including but not limited to whether the Provision is enforceable or applicable. kj The Provision remains in full force and effect unless you opt out of the Provision in accordance with subpart (p) or you and we otherwise agree in writing to set the Provision aside. The Provision survives, for example but without limitation, the cancellation or termination of the Agreement or your Account, the satisfaction of any obligations under the Agreement or your Account, the transfer, sate, or assignment of the Agreement ar your Account or any rights under either, and the bankruptcy of any party, |] Each of the following persons or entities is an intended beneficiary of the Provision and may enforce the Provision in full with respect to arty claims between such persons or entities on the one hand and you on the other hand that arise ut of or in any way relate to the Agreement or the Provision; Continental Finance and any of its or our past, present, and future employees, agents, principals, representatives, directors, officers, shareholders, governors, managers, members, parent companies, subsidiaries, affiliated entities, partners, licensees, altorneys, predecessors, successors, joint venturers, contractors, assigns, designees, servicers, and "service providers” (defined as any third party providing us orany of the foregoing entities or persons any goods or services that arise out of or in any way relate to the Agreement or the Provision). m| The Provision may be enforced by or against any person or entity purporting to bring Claims on your behalt, including bul not limited to any agent, representative, quardian, of trustee. The Provision may also be enforced by or against any person or entity who acquires any right or interest that, but forthe transfer of the right or interest, would have belonged tousor an intended beneficiary of the Provision, A} You and we shall retain the right to bring in the small claims court for the county of your residence any claims that are within the small claims court's jurisdiction. In the event of the foregoing, and pursuant to the applicable AAA Rules, you or we may instruct the Arbitrator to.close the arbitration proceedings for the Claim to proceed in the small claims court for the county of yourresidence. Any appeal or other review of a small claims court judgment or order shall be undertaken exclusively by arbitration in accordance with the Provision. 6) IF any part of the Provision is found unenforceable, subject to any rights to judicial and/or appellate review the offending part shall be severed and the balance of the Provision shall remain in effect and shall be construed In fight of the express intent of you and us to resolve all claims on a bilateral basis in binding arbitration, except that: (1) if all or eny portion of subpart (e) is declared invalid in @ proceeding between you and us, Without in any way impairing the right to. appeal such decision, this entire Provision (ather than this sentence) shall be null and void in such proceeding: and (2) if a Claim is brought seeking public injunctive relief and a court determines that the restrictions in subpart fe) ot elsewhere in this Provision prohibiting the arbiteator from awarding reliet an behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. Insuch a case the parties will request that the court stay the Claim for public injunctive reliet until the arbitration award pertaining to individual relief has been entered in court. p) You may opt out of this Provision by sending written notice to us of your decision to apt out. Notice must be sent by United States Postal Certified Mail, Return Receipt Requested, to the following address: Celtic Bank, clo Continental Finance Company, P.O, Box 3220, Buffalo, NY 14240-3220, The notice must be postmarked no later than 30 days after the date of your Agreement, You must retain proof of receipt. Your opt out notice must state that you reject the arbitration Provision and Inctude your name, address, Account number and personal signature, No one else may sign the apt out hotice. Your opt out notice will not apply to he arbitration provision(s) governing any other accounts) that you have or had with us. Your decision to-opt out will not affect our decision to continue to evlend credit to you under the Agreement. Mastercard® and the Mastercard acceptance mark and service marks used by Celtic Bank under license fram Mastercard International, i 2 = 2                           | 21 3/4” ACCOUNT OPENING DISCLOSURES Interest Rates and Interest Charges Annual Percentage Rate (APR) 0, for Purchases 29.99% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 29.99% This APR will vary with the market based on the Prime Rate. Paying Interest Your Payment Due Date is al least 25 days after the close of each Billing Cycle, We will not charge you any interest on purchases if you pay your: entire Account balance by the Payment Due Date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge None For Credit Card Tips from the To team more about factors to consider when applying for or using a Consumer Financial Protection | credit card, vist the website of the Consumer Financial Protection Bureau Bureau at http:/www.consumerfinance.gow/learnmore. Set up and Maintenance Fees NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your Card and will reduce the amount of credit you initially have available. Based on your Credit Limit of $300, your initial available credit will be $225 (or $195 if you choose to have an additional Card}, You may still reject this plan, provided that you have nat yet used the Card or paid a fee after receiving a Monthly Billing Statement. If you do reject the plan, you are not responsible for any Fees or Other Charges * Annual Fee $75.00 for the first year, after that $99.00 annually + Monthly Maintenance Fee $120.00 annually (billed at.$10.00 per month), Monthly Maintenance Fe & not billed for the first 12 months your account is opened. * Additional Card Fee $30.00 (one time, if applicable) Transaction Fees Transaction fees are not biBed for the first 12 months your account is open, * Cash Advance Either $5.00 or 5% of the amount of each cash advance, whichever is greater. » Foreign Transaction 3% of each transaction in U.S. dallars. Penalty Fees » Late Payment Up to $40.00 » Returned Payment Up to $40.00 How We Will Calculate Your Balanee: Ve use a method called “average dally balance (including new purchases).” See INTEREST CHARGES below for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement. 9j30/7004 , M-131581 <= FOLD TO 3 5/8” > LO $104 TANYd STHCHARGES AND FEES INTEREST CHARGES: Periodic Rates. INTEREST CHARGES lor purchases and cash advances are calculated al a monthly periodic rate of 2.4992%, which is equivalent to an ANNUAL PERCENTAGE RATE (“APR”) of 29.99%, Variable Rate. The APR may increase or decrease on the first day of the subsequent monthly Billing Cycle based on changes in the prime rate (“Index”), The APR is calculated by ret bie of margin stated below to the Index, The Index is the prime rate published in the Money Rates section of fhe Mal! Street Journal on the 25th day of each month, If the Index isnot published on that day, the Index on the next business day will be used: Any increase in the APR may increase the amount of interest charged to your Accaunt and the total amount you must pay, and may take the form of an increase Inthe monthly Minimum Payment. If the Index is no longer avallable, we will choose a new index that Is based upon riagot information. The APR for purchases and cash advances will be determined by adding a margin of 26.14% othe Index, INTEREST CHARGES are imposed on purchases beginning on the date a purchase is posted to your Account, However, INTEREST CHARGES will not be imposed on purchases made In any Billing Cycle in which the previous balance shown on your Monthly Billing Statement |s zero and you pay your new balance in full by the Payment Due Date shown on your Monthly Billing Statement, INTEREST CHARGES are Imposed on cash advances beginning on the date a cash advance is obtained and continuing until the balance of your Account is pald in full. There is no time Inwhich you.can pay the balance of cash advances in order to completely avold INTEREST CHARGES. INTEREST CHARGES for. Billing Cycle are calculated separately for purchases and cash advances: There Is no minimum INTEREST CHARGE, The INTEREST CHARGE calculation begins on the date the transaction is posted to your Account, For purchases, the INTEREST CHARGE is computed by multiplying the monthly periodic rate bythe average daly balance of purchases, To determine the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits, This gives us the daily balance of purchases, (Any daily balance that Is a credit balance ts treated as zero ($0.00) balance,j Then, we add all the daily balances of purchases for the Billing Cycle together and divide the total by the number of day's in the Billing Cycle. This gives us the average daily balance of purchases, For cash advances, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average dally balance of cash advances, To get the average dally balance of cash advances, we take the beginning outstanding balance of cash advances each day, add In any new cash advances, and subtract any payments andior credits that we apply to the cash advance balance. This gives us the dally balance of cash advances. (Any dally balance that is'a credit balance |S treated as zero ($0.00) balance.) Then, we add all the dally balances of cash advances for the Billing Cycle together and divide the total by the number of days in the Billing Cycle. This gives us the average daily balance of cash advances, FEES AND OTHER CHARGES: Your Accauntis subject to the following Fees and Other Charges, each of which may be charged to your Account: Cash Advance Fee, In addition to the INTEREST CHARGE on cash advances, there is a fee of 5% or $5.00, whichever Is greater, for each cash advance posted to your Account that month ("Cash Advance Fee"), WO CASH ADVANCES ARE PERMITTED DURING THE FIRST 95 DAYS AW ACCOUNT IS OPEN, Cash Advance Fees will not be assessed during the first twelve (12) months afte your Account is open. Additional Card Fee, Your Account will be assessed a one-time-additional card fee of $30.00 for each authorized user you add to your Account. Foreign Currency Transaction Fee. Your Account will be assessed a foreign currency transaction fee equal to 3% of any transaction made’in a foreign currency that fs converted to U.S, Dollars, This fee will not be assessed to foreign transactions made in the first 12 months your Account is open. Annual Fee. Your Account will be assessed an Annual Fee of $75.00 ("Annual Fee") for the first year-and $99.00 each subsequent year, The Annual Fee will be billed to your Account once the account is opened, and on or about your anniversary date each year. Your payment of the Annual Fee does not affect our right to close your Account or our ability to limit Lransactions on your Account. Annual Fee Renewal Refund Disclosure, We will refund the Annual Fee charged to your Account if you notity us, within 30 days from the date of the Monthly Billing Statement on which it appears, that you wish to close your Account. Monthly Maintenance Fee. Your Account will be assessed a monthly maintenance fee, which will be billed at $10.00 2 per month to your Account ("Monthly Maintenance Fee") at the end of each Billing Cycle. The Monthly Maintenance Fee will not be billed in the first 12 months your accownt Is open, Your payment of the Monthly Maintenance Fee does not affect our right to close your Account or our ability to limit transactions on your Account. Late Payment Fee, If we do not receive a payment from you in at least the amount of the minimum payment due (“Minium Payment”) by the Payment Due Date shown on your Monthty Billing Statement, you will be charged a Late Payment Fee equal to the lesser of $29.00 or your Minimum Payment ("Late Payment Fee”) in accordance with law, If u fail to make a timely payment in any of the six (6) Billing Cycles after the initial late payment, you will be charged $u000 amount of the required Minimum Payment, whichever Is less, We may refer to this fee as the "Late Fee" of "Late Charge”, Returned Payment Fee. If you make a payment on your Account and your check or other payment instrument (including an electronic funds transfer ot a telephone authorized draft} is not honored for any reason or cannot be processed, we will charge a Returned Payment Fee equal to the lesser of $29,00 or your Minimum Payment (“Returned Payment Fee"). Inthe event a paymentis returned inant ofthe six (6) Billing Cycles after the inital returned payment, you will be charged $40.00 or the amount of the required Minimum Payment, whichever is less. The charge may be imposed even if we elect tore-present the item and it is paid upon our re- presentment. We will not charge both a Late Payment Fee and a Returned Payment Fee based upon a single payment. OTHER IMPORTANT DISCLOSURES: Authorization. You certify thatall the information given in your application is true and correct and you are giving this information in order to obtain credit and authorize us to obtain information concerning any statements herein, You agree to furnish us with all requested Information. You authorize us ta charge the Annual Fee, Monthly Maintenance Fee and Additional Card Fee (if applicable) to your Account, CELTIC BANK CARDHOLDER AGREEMERT YOUR AGREEMENT WITH US General Terms, This Agreement covers the terms and conditions of the Card Account (“Account”), Cettic Bank is the Card issuer and assigns its rights for servicing and other rights to.Continental Finance Company ("Continental Finance") after Card issuance, You agree to be bound by the following terms and conditions, which shall constitute an agreement between you and us, Furthermore, by accepting and using the Card, or paying any INTEREST CHARGES, Fees, or Other Charges, whichever comes first, you expressly agree to be bound by the provisions of this Agreement and the rates and charges for use of the Card, including as set forth under the “Charges and Fees” provisions, which are hereby expressly incorporated by reference into this Agreement. In this Agreement, “we', “us”, and “our” refer to Celtic Bank as the issuer of the Card and Continental Finance as servicer, and each of their respective agents, authorized representatives, successors and assignees, “Agreement” means this Cardholder Agreement. The words “you” and “your” mean the person who applied for the Account and each person to wham we issue a Card at the applicant's request or who uses.a Card with the applicant's consent ("Additonal Card or Authorized User"). The word “Card” means your credit card. Please read this Agreement carefully and save it for future reference. It contains important state and federal disclosures, (ncliding Regulation 2 disclosures and disclosures reqarding your rights in case of errors or inquiries about your bill and important provisions relating to arbitration and litigation. Applicable Law. This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, or otherwise) al any time arising from or related to your Account, this Agreement or any transferred balances, are governed by and construed inaccordance with applicable federal law and, to the extent not preempted by federal law, by the laws.o! Utah (without applying its choice-of-law rules), The formation, legality, enforceability, and interpretation of this Agreement, and any amounts contracted for, charged and received under this Agreement, will be governed by such laws. This Agreement is entered into between you and usin Utah, regardless of the state of your residence or whether or not your Account ar Card is.used In Utah, Our decisions regarding the extension of credlt to you are made in the State of Utah, Federal and Wtah ‘aw will also apply to any controversy, claim, or dispute arising fram or relating in any way to the subject matter of this Agreement and your Account, including, without limitation, statutory, equitable, and tort claims, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit, In general, the cost af consumer credit toa member of the Armed Forces and his or her dependent may nol exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction of account: The costs associated with credit Insurance premiums; fees for-ancillary products sold in connection with the credit transaction; any application fee charged {ather than certain application fees for specified credit transactions: of accounts); and any participation fee charged (other than certain participation fees for a credit card account}. To be provided with an oral disclosure of this information, please call toll-free 1-800-935-3808. 3 Effective Date: This Agreement |s effective upon the earlier of your acceptance and use of the Card to make a purchase or to receive a cash advance, or your payment of INTEREST CHARGES, Fees or Other Charges, You may reject this Card, provided thal you have not yet used the Card or paid INTEREST CHARGES, Fees, or Other Charges alter receiving a Monthly Billing Statement. Hf you reject the Card, you are not responsible for any INTEREST CHARGES, Fees or Other Charges. Notwithstanding anything to the contrary in this Agreement, if you are aresident of the State of New York, this Agreement is effective upon your acceptance and use of the Card, Changes in Agreement Terms, We can change any term of this Agreement, including the rate at which or mannerin which INTEREST CHARGES, Fees, and Other Charges are calculated, in our sole discretion, upon such notice to you as is required by law. At our option, any change will apply both to your new activity and to your outstanding balance when the change is effective as permitted by law. Binding Effect, This Agreement is binding upon and enforceable against your heirs, legal representatives, and SUCCESSOTS, Severability. If any provision of this Agreement, including any portion of the Arbitration Provisions set forth below, is determined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any other provision of this Agreement shall not he affected, and in lieu of such invalid or unenforceable provision there shall be added automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable, if possible. Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any reason, either party may require that the entire Dispute, aé defined in the Arbitration Provision below, be heard by a judge, sitting without a jury, under applicable court rules and procedures, Entire Agreement. This Agreement, together with your Application, and if applicable, the Continental Credit Protection Addendum, constitutes the final and complete credit agreement between you and us relating to your Account and supersedes and may not be contradicted by evidence of any prior, contemporaneous, or ‘subsequent oral credit agreement between you and us relating to your Account, USING YOUR CARD Sign Your Card, To avoid unauthorized use of your Card, please sign the back of your Card immediately, General Use, You may use your Card and your Account to make purchases if your Account is In. good standing and you have available credit. Your Card and Account may be used only for valid and lawful purposes. If you or an Authorized User uses your Card and Account for any other purpose, you will be responsible for the use and may be required to reimburse us for all amounts or expenses we pay a5 a result of the use, Ho cash advances are permitted within the first ninety five (95) days after an Account is oper. After ninety five {95) days have elapsed from Account opening, you may obtain cash advances (See Cash Advance Fee section). You may not use the Card or your Account for any iHegal transaction ar any gambling transaction. We will decline identifiable gambling transactions. We may impose restrictions on your Account at any time-as determined to be necessary by us in connection with our efforts to detect fraud or unauthorized use, including restrictions on (a) the number of transactions allowed per day; (b) the dollar amount of transactions approved; {c} your ability to obtain cash advances; and (d) your ability to use your Card at an automated teller machine ("ATM"). Htyou give your Account number to make a purchase or obtain a cash advance without presenting your Card (such as tora mall order, lelephone, or Internet purchase), the leqal effect will be the same as if the Card was present. You may also use your Card and a personal identification number ("PIN") to obtain cash advances at an ATM, if we, at our option, issue you a PIN, ATM transactions are treated the same as cash advances. We may restrict your access to any ATM at any time, Youshould not keep your PIN with your Card, If you believe that anyone has qained unauthorized access to your PIN, you should advise us immediately by following the procedures under the heading “Lost or Stolen Card.” Your Responsibility for Authorized Users. If another person is given access fo your Account and/or Card with your express or implied permission, notwithstanding the provision above, that person is an Authorized User, even if we did not issue an additional Card in the Authorized User's name, At your request, and if we agree, we may issue an additional Card in the name of an. Authorized User with your Account number, You will be responsible forall charges, cash advances, INTEREST CHARGES, purchases and Fees incurred by any Authorized User, We are not required to try to-obtain payment from any Authorized User before requiring payment from you. {you wish to remove an Authorized User from your Account you must contact us elther by telephone or in writing. You will Still he responsible for payment of all purchases, cash advances, INTEREST CHARGES and Fees incurred of obtained by the Authorized User, We may close your existing Account and issue you a new Card and Account number, Lost or Stolen Card. If you notice the loss or theft of your Card ar a possible unauthorized use of your Card, you should write to us immediately at; Continental Finance, P.0. Box 3220, Butfalo, MY 14240-3220, or call us al 1-800-556- 5678, You will not be liable for any unauthorized use, Refusals to Honor Card/Rejection of Transactions, We are not responsible if any financial institution, merchant, or other person refuses to honor your Card. Except as otherwise required by law or regulations, we will not be responsible 4 for merchandise or services purchased through your Card. Also, we may reject any transaction for any reason. USING YOUR ACCOUNT Accessing Your Credit Line, You can use the Card and your Account to make purchases and obtain cash advances, Upon your request, you may be assigned a PIN, Ifa PIN is assigned to you, you may obtain a cash advance, any time after ninety five (95) days after Account opening, at any authorized ATM that bears the Mastercard® acceptance mark by using the Card and PIN. You stould keep your PIN secure and not write it down, give it to anyone or keep it with your Card. Contact us immediately if someone has gained unauthorized access to your Card(s). Understanding Your Credit Limit, Your “Credit Limit” is the maximum amount of credit we have approved for your Account. The amount of your Credit Limit is disclosed in the “Account Opening Disclosures” section of this Agreement and on yout Monthly Billing Statements, You are responsible for keeping track of your Account balance and your Credlit Limit. Your Account balance may not exceed your Credit Limit at any time, Decisions on Credit Limit Increases will be in accordance with federal law, We reserve the right to approve or deny authorizations or transactions from any merchant at our sole discretion. Network Qutages, From time to time, due to circumstances beyond our control (such as-fires, floods; earthquakes and other natural disasters and unpredictable events), our services may be unavailable. We will not be responsible or flable if this happens. UNDERSTANDING YOUR PAYMENTS Your Promise to Pay, Cut-Off Time, Form of Payments. You promise to pay to.us all amounts advanced to you asa purchase ora cash advance {including amounts advanced for Authorized Users} under this Agreement, plus all INTEREST CHARGES and Fees assessed on those amounts and all other charges, costs, and Fees which are applied to your Account. All payments must be made in U.S. dollars, and all checks or other items tendered in payment must be drawn on United States financial institutions, Payments must be made to Continental Finance at the address shown on the Monthly Gilling Statement (“Mail Payments To" address”) and must be received by Continental Finance no later than 5:00 p.m, prevailing Eastern Time on the date on which they are due. Payments made at a branch or affice of Celtic Bank of Continental Finance prior to the close of business at the branch or office shall be considered received on the day the payment is made al such location. Payment Due Date, The Payment Due Date will be at least twenty-five (25) days after the Billing Cycle closing date ("Payment Due Date”), Payments will be credited to your Account as of the day of receipt if they are made in accordance with our instructions, Your Payment Due Date will be the same day each month. If the Payment Que Date falls on a weekend, holiday or other day on which we-do not receive payments, the Minimum Payment Due plus any other payment must be received no later than 5:00 p.m. prevailing Eastern Time on the next business day we receive payments, Amount of Payment, You may pay any or all of the amounts you owe at any time without penalty, hut you must pay at least the Minimum Payment Due each month on or before the Payment Due Date, Minimum Payment Due: + Ifthe New Balance shown on your Monthly Billing Statement is less than or equal to $35.00, the Minimum Payment Due-equals the New Balance. « [tyour New Balance exceeds $35.00, the Minimum Payment Due equals the greater of 4.00% of the New Balance or $35.00, plus any Late Payment Fee assessed in the current Billing Cycle plus any past due amounts, not to exceed your Account balance. Applying of Payments, Payments in excess ol the Minimum Payment Due are applied in accordance with law. Availability of Credit and Payment Holds. Generally, payments are credited to your Account on the day they are received, Available credit created as a result of payments posted to your Account may not be available for up to seven (7) days, or fonger if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason. If you use a payment Service provided by a third party to deliver your payment to us; that third party may charge you a fee for such service; such thitd party fees will not be billed to your Account, Credit to your Account may be delayed up to five (5) days if payment is (a) not received at the Payment Address or (b) not accompanied by the payment coupon portion of your Monthly Billing Statement: Delayed crediting may result in Late Fee and additional INTEREST CHARGES and Fees being applied to your Card. Direct Debit. You may choose, subject to our approval, to make a payment by means of a direct debit or charge to any deposit, savings, ar credit account of yours ("Payment Account”). By requesting that we process a payment by direct debit or charge to your Payment Account, you hereby authorize us, at our option, to debit your Payment Account by means of an electronic transaction or to submit a paper check or draft to your financial institution, consistent with your instructions, Electronic Check Presentment. If you pay by check, you are authorizing us to use information on your check to make 5 a one-time electronic debit from your account at the financial institution indicated on your check, This electronic debit will be forthe amount of your check; no additional amount will be added to the electronic debit, We will process your payment using the Automated Clearing Howse ("ACH") system. Electronically processed and/or presented checks fand checks presented electronically) ate not returned to you by your financial institution, bank or credit union, We will retain an image of your electronically processed check as required by law. A copy of the check can also be retrieved by contacting your financial institution. Please contact the Customer Service Department at the telephone number on your Monthly Billing Statement to learn about other payment options. Irregular Payments and Delay in Enforcement, Waivers and Releases. We may accept late payments, partial payments, checks, and money orders marked “paid in full” or language having the same effect, without losing any of our rights or legal defenses. All written communications concerning disputed amounts, including a check ov other payment instrument that (a) indicates that the payment constitutes “payment in full” or is otherwise tendered as full satisfaction of a disputed amount, or (b) ts tendered with other conditions or limitations, must be marked or delivered tous at the address for “Send Correspondence To” shoven on your Monthly Billing Statement, not the payment address. You waive presentment for payment, notice of non-payment, and you agree to any extensions of time of payment and partial payment before, at, or after maturity, MONTHLY BILLING STATEMENTS, OTHER INFORMATION AND COMMUNICATION FROM US   When We Send Monthly Billing Statements, We will promptly senda Monthly Billing Statement at the end of each montily Billing Cycle if your Account has @ debit or credit balance greater than $1.00 or if an INTEREST CHARGE or Fee has been imposed. Where We Send Your Monthly Billing Statement, We will send Monthly Billing Statements and any other notices to you at the address shown in our files, You agree to notify us promptly of any change in your address, We may accept address changes or corrections from the United States Postal Service, We may also mall Monthly Billing Statements and other communications to you at ary address we determine to he an address at which you can receive mail. If you elect to receive Monthly Billing Statements and other communications electronically, we may send those Monthly Billing Statements and communications as directed by you. Understanding Your Monthly Billing Statement. The Monthly Billing Statement will show the Previous Balance, purchases and cash advances posted during the Billing Cycle, any INTEREST CHARGES, Fees.and Other Charges, and all payments, debits, and credits to your Account through the Billing Cycle Closing Date. It will also show, among other things, your New Balance, the Minimum Payment Due, and the Payment Due Date (which will beat least twenty: five (25) days after the Billing Cycle Closing Date and will be the same day every manth}. You agree to review your Monthly Billing Statement promptly and to report any erroneous entries on such Monthly Billing Statement, You are obligated to report erroneous entries within 60 days after we mail or otherwise make the Monthly Billing Statement available to you. If you do not report the erroneous entries within the timeframe, the entries on your Monthly Billing Statement and the corresponding Account balance will be presumed to be correct. This means we will have no lability to you for transactions appearing on your Monthly Billing Statement. If you dispute a transaction made by you or someone else on your Account and we later credit your Account for all or part of the disputed amount, you will give-us all of your rights against that other person, You also agree to give us any merchandise associated with the disputed transaction and to help us in our efforts to seek reimbursement (including, but not limited to, providing documents), Your Consent to Automated-Dialer and Pre-recorded Calls and Text Messages. By providing us with a telephone number(s), at any time, you consent and authorize us to contact you regarding your Account at such number(s) using any lawful means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges imposed by your provider may apply. If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, Incurred as a result of us attempting to contact you at the number(s}, You do have the option to opt aut of receiving communications at that number any time thereafter by contacting us at {the customer service telephone number provided on your statement], or sending written notice to us to the following address: [Celtic Bank, c/o Continental Finance Company, P.O. Box 3220, Buffalo, NY 14240-3220). You must retain proof of delivery. If you send communications to any ather address, We may not process your request. E-mail. By providing us with your e-mail address, you agree to receive correspondence electronically from ws and our affiliates and service providers. We may communicate with you by e-mail for any lawful or business purpose, Call Monitoring, We may monitor and record any calls between you end us, Hotices. We may send any notices to the address you gave us, or, if you have agreed, by email to the address you gave us: If you have multiple addresses, we will send notices to only one such address. We consider a notice sent as soon as we mail it. We consider an electronic notice sent as soon as we emall it, unless we receive notification that the email was undeliverable. DEFAULT PROVISIONS Events of Default. You will be in default of this Agreement if any of the following occur on this or any other Account you have with us; + You do not pay at Feast the Minimum Payment Due-on your Account on or before the Payment Due Date, + You die or become legally incompetent. « Abankruptcy or other insolvency proceeding Is filed by ar against you. + You exceed or attempt to exceed your Credit Limit, + You provide us with or have provided us with fatse or misleading information or signatures at any time, + You fail to comply with this Agreement, « You fail to make any payment ar perform any promise in any agreement or obligation you have with us. + Any judgment, lien, attachment or execution (s issued against you or your property, + You request an excessive number of replacement Cards, + We reasonably belleve you will not pay amounts owed to us for any reason. + You permanently reside outside of the United States. If You Are In Default: Upon your default of this Agreement, we have all remedies provided by law including, without limitation, and without priot notice or demand (except as required by Applicable Law}, the right to: + Deny use of your Account. « Close or refuse to renew your Account. + Demand the return of your Card(s). + Declare your entire Account balance immediately due and payable, + Increase your Minimum Payment, = Initiate collection activity. » Hot replace your Cards), + Reduceyour Credit Limit. « Apply any part ar all of your security deposit, itapplicable, to balances due. » Pursue any action against you permitted by law. Collection Costs, To the extent permitted by law, you must pay all court and callection costs, including reasonable attorneys’ fees that we incur as a resull of your default. A contingency or hourly arrangement established by us with anattorney or collection agency to collect an Account in default is presumed prima facie reasonable, CLOSING YOUR ACCOUNT We May Close or Suspend Your Account, We may terminate your privileges under this Agreement or cancel or limit your priviteges to make purchases or obtain cash advances at any time, with or without cause, subject to applicable Notice requirements. You May Close Your Account. You may terminate your Account at any time by notifying us by telephone or In writing. Whether your Account was terminated by us or by you, you promise that any amounts that you owe us al the time of termination, plus any new purchases or cash advances, as.well as any INTEREST CHARGES, Fees and Other Charges that will continue to be imposed.at the rates specified in this Agreement, will he repaid according to this Agreement, You agree that you will not try to make any purchases or obtain cash advances after you have: been notified that your privileges to use your Account have been canceled, You may terminate this Account at any time. In order to teeminate your Account, you must elther call us or give us written notice of your Intent to terminate your Account at the address for “Send Correspondence To” shown on your Monthly Billing Statement, and pay your outstanding Account balance in full, Your notice of termination will become effective as soon as we can reasonably acton it. you request that we terminate your Account, but donot pay your outstanding Account balance in full, your credit privileges will be terminated, You agree (hatif your Account is-terminated by us or by you, we may apply any part or all of your security deposit, if applicable, to your outstanding balance pursuant to the terms of this Agreement, Account Hon-Use, Inactivity and/or Closure. In connection with the initial opening of your Account (but not in connection with renewing the Account or replacing Cards that have been used for transactions to the Account), if you have not made a payment, and either: (1) you donot activate your Card, or (2) you activate your Card hut do not use your Account for a purchase or cash advance, We may unilaterally close your Account and terminate your right to use the Card or obtain credit, subject to any limitations under Applicable Law. If we close the Account in accordance with this paragraph, all Fees posted to your Account will be reversed, Initial Fees Refund Disclosure. You may still reject this plan, provided that you have not yet used the Account or pald INTEREST CHARGES, Fees or Other Charges alter receiving a Monthly Billing Statement, f you do-raject.the plan, you are not responsible for any INTEREST CHARGES, Fees or Other Charges, OTHER TERMS AND CONDITIONS Binding Effect Upon Death or incompetency. If we pay a merchant or financial institution for @ purchase or post a cast advance to your Account before we receive actual written notice of your death or incompetence, or if we pay a merchant or financial institution for @ purchase made by you or post a cash advance taken by you prior to your death or incompetence, that transaction will be a valid and binding Account obligation upon you, your estate and your personal 7