1     
VISA� Unicorn Credit Card  
Important Disclosures  
Rates, Fees, and other important information about the V ISA� Unicorn Credit Card (�Unicorn Card� or �Card�) are set forth 
in these Important Disclosures, which are part of the VISA� Unicorn Credit Card  Cardholder Agreement  (�Agreement�). The 
terms of the Agreement , including these Important Disclosures,  may be changed at any time subject to applicable law. Based 
on our evaluation of your credit report and other factors, if approved for a Unicorn Card, you will receive a credit card accoun t 
("Account") with a minimum credit line of $500. For purposes of these disclosures, �you� and �your� mean each person who 
applies for an Account.  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases  17.76% 
This APR will vary with the market based on the Prime Rate.  
APR for Cash Advances  24.99%  
How to Avoid Paying Interest on 
Purchases  Your due date is at least 25 days after the close of each Billing Cycle. We will 
not charge you any Interest on purchases if you pay your entire balance by the 
due date each month.  
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau  To lear n more about factors to consider when applying for or using a credit 
card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.  
 Fees  
Annual Fee  None  
Transaction Fees    None  
Penalty Fees  
� Late Payment  
� Returned Payment   
 
Up to $25.  
Up to $25. 
 
How We Will Calculate Your Balance: We use a method called �average daily balance  (including new purchases) � and we 
calculate a separate average daily balance for your Purchase balance and your Cash Advance balance. See section 4.E 
�Balances Subject to Interest Rates� for further details.  
Billing Rights Summary: Information on your right to dispute transactions is included in the Agreement.  
How the Variable APRs and Daily Rate on your Account are Determined: The Purchases APR on your Account will be 
determined each Billing Cycle by adding a 14.51% margin to the Prime Rate (U.S.) as published in the Money Rates section 
of The Wall Street Journal (the �Index� ), which was 3.25% as of the end of the preceding calendar month . Currently, t he 
Daily Periodic Rate for Purchases is 0.0486575% and the Daily Periodic Rate for Cash Advances is 0.0684657% .  
Important Information About Procedures for Opening a New Account (USA P ATRIOT  Act): To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires all financial in stitutions to obtain, verify  2    and record information that identifies each person who opens an account. What this means to you: When you open an account, 
we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask 
to see your driver�s license or other identifying documents.  
About This Credit Card Program: Credit cards are issued by Wilmington Savings Fund Society, FSB (�WSFS Bank�) , a 
federal savings bank headquartered in Wilmington, Delaware. V ISA is a registered trademark and service mark of V ISA 
International Service Association, and is used pursuant to a license.  
Card Eligibility: To be eligible for an Account, you must meet certain minimum income, residency, age, credit quality 
and other req uirements.  
Calls and Texts ; Monitoring/Recording of Telephone Calls : When you give us your mobile phone number, we have your 
permission to contact you at that number about your Account. Your consent allows us to use text messaging, push 
notifications, artificial or pre -recorded voice messages and automatic dialing technology for informational and Account 
service calls, but not for telemarketing or sales calls. It may include contact from companies working on our behalf to servi ce 
your Account. Message and d ata rates may apply. See Section 8A of the Agreement for more detailed information . You agree 
that your calls with us and our servicing agents may be monitor ed and/or record ed, unless expressly prohibited by applicable 
law. 
Information Sharing: A Notice describing our Privacy Policy is at the end of the Agreement. A Privacy Notice for our 
servicing agent, Cred.ai, is available online at www.unicorncard.ai/Privacy -Policy . 
Information About Applying for a Credit Card : By electr onically signing an application  for an Account , you authorize us 
and our agents and representatives to obtain credit, employment and other information about you, including credit bureau 
reports, in order to evaluate your application for credit. If your app lication is approved and credit is extended to you, you 
further authorize us to re-verify any or all of such information from time to time, including obtaining additional credit bureau 
reports, for any legitimate or permissible purpose in connection with s uch extension of credit, such as for the purpose of 
reviewing the Account, increasing or decreasing the Credit Limit on the Account or taking collection action on the Account, 
and to furnish information concerning your Account and our credit experience wit h you to consumer reporting agencies and 
others who may properly receive that information. If you ask, you will be informed whether or not a consumer report was 
requested, and if a report was requested, you will be informed upon request of the name and add ress of the consumer reporting 
agency that furnished the report. You agree that all credit card applications remain our property. By submitting a cred it card 
application to us , you also certify that all the information you have provided is true and complet e, that no essential information 
has been omitted, and that no misrepresentations have been made on the application. If approved, you agree to the terms and 
conditions applicable to the Account, including these Important Disclosures and the remaining terms  of the Agreement, and 
the right of WSFS Bank to change terms and add new terms to the Account at any time. By activating a Card or the Account 
or allowing an authorized person to activate or use a Card or the Account, you personally agree to fully pay all amounts owed 
in connection with the Account as required by the Agreement.  You agree that the Account will only be used for lawful 
personal, family or household purposes. You further acknowledge you are at least 18 years of age (19 years of age if you a re 
a resident of Alabama or Nebraska or 21 years of age if you are a resident of Mississippi or Puerto  Rico).  
THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE ( EXHIBIT A ). UNLESS YOU ARE A �COVERED 
BORROWER� PROTECTED BY THE MILITARY LENDING ACT (THE �MLA�) O R UNLESS YOU 
PROMPTLY REJECT THE ARBITRATION CLAUSE, IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR 
RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A 
CLASS PROCEEDING.  
Additional Notices: Please see the additional notices at th e end of the Agreement, including notices for residents of 
California, Delaware, New York, Ohio, Oregon, Rhode Island, Vermont and Wisconsin (for married applicants).    3    VISA� Unicorn Credit Card  
Cardholder Agreement  
Please read all of this Agreement, including the Arbitration Clause (Section 11), and keep it for your records.  
1. INTRODUCTION.  This VISA� Unicorn Credit Card  Cardholder Agreement , including the Important Disclosures  (together, this 
�Agreement�) create s your contract with us  concerning the Account and the Card . This Agreement contains important information 
about your Account, such as your Annual Percentage Rates and certain Fees. Any amendments to this Agreement  will also be part 
of this Agreement.  This Agreement  is effective immediately upon our issuance of a n Account or Card upon approval of your  
application.  
A. Certain Definitions . 
�Account� means your VISA� Unicorn Credit Card Account governed by this Agreement.  
�Authorized User� means any person you allow to use your Account, whether through the use of the Card we provide you, the 
Account number, access checks or otherwise. �Authorized User� also includes any person who, at your request, receives a Car d 
bearing the name of such person and allowing access to your Account. We may limit the number of Authorized Users permitted on  
your Account.  
�Billing Cycle� means the period of time between each monthly statement. Each monthly statement relates to a singl e Billing Cycle.  
Each  statement closing date is the last day of that Billing Cycle. A Billing Cycle begins on the first day following a statement date 
and ends on the next statement date.  
�Card�  means  any initial  or replacement  credit  card that we issue  to you or to any Authorized  User.  We may replace your Card with 
another Card at any time. Before using your Card for the first time, sign the back of your  Card.  
�New Balance� means the total outstanding balance as of the end of a Billing Cycle, as shown on the monthly statement for that 
Billing Cycle.  
�We�, �us�, and �our� mean WSFS Bank and its successors, assigns, servicers, agents and representatives.  
�You�, �your�, and �yours� mean each and every person who applies for and is granted or accepts an Account, and any person who 
has guaranteed payment of this Account, individually and together.  
B. Promise  to Pay. You promise  to pay us the amounts  of all credit  obtained  on your Account  resulting from  transactions  made  
by you, any Authorized  User,  and all persons  you or any Authorized  User  allow  to use your Account. This includes all Purchases 
and Cash Advances, as well as all Interest , Fees and any other charges owed under this  Agreement.  
C. Account  Use and Acceptance.  By using your Card  or Account , or letting  someone else use your Card or Account, you agree to all 
the terms of this Agreement. You acknowledge that you received a copy of this Agreement.  
You may use your Account for lawful personal, family, or household purposes. You must not use your Acc ount for business  
or commercial  purposes,  or to make  a payment  on this or any other  credit  account  owned  by WSFS  Bank.  
You may not use or permit your Account to be used to make any illegal transaction. We will not be liable if you engage in an 
illegal transaction. We may deny authorization of any transactions identified as Internet gambling.  
You may not use your Account  to conduct  transactions  in any country  or territory  or with any individual  or entity  that is subject 
to economic sanctions administered and enforced by the U.S. Department of the Treasury's Office of Foreign Assets Control.  
D. Amending This Agreement.  We may amend this Agreement at any time and for any reason, by adding, deleting or changing 
any provisions of this Agreement, including provisions concerning Interest  or Fees, in accordance with applicable law. We 
may change this Agreement based  on economic  or market  conditions,  our business  strategies  or for any other  reason,  including,  
but not limited to, reasons unrelated to you or your Account. We will notify you of amendments to this Agreement as required 
by applicable law. If an amendment gives you the opportunity to reject a change, and if you reject the change in the manner 
provided in such amendment, we may close your Account and may ask you to  return all credit devices as a condition of your  
rejection.   4    2. GOVERNING  LAW.  This Agreement  is entered  into in the State  of Delaware,  and we extend  credit  to you from  the State of  
Delaware.  The laws of the State  of Delaware,  without  regard  to conflict  of laws principles,  and applicable  federal  law govern this  
Agreement.  
3. USING YOUR  ACCOUNT.  
A. Credit  Availability.  
1. Your  Credit  Limit(s).  We have  discretion  to determine  the Credit Limit (s) on your Account.  We assign  and disclose to you 
an initial Credit Limit  upon approval of your application and issuance of your Card. On each monthly statement, the total 
Credit Limit  on your Account is shown as the �Credit Limit� and the total credit available is shown as �Available Credit .� 
Only a portion of the Credit Limit  may be available for Cash Advances (the �Cash Advance Limit�). The amount of credit 
available for Cash Advances is disclosed on each monthly statement as �Available Cash  Advance .� At our discretion, at 
any time, we may change any Credit Limit  that applies to your Account, as permitted by law. We will notify you if we 
change any Credit Limit . You may ask us to change any of your Credit Limit s by contacting us by telephone at the customer 
service  number  located  on the front  of your monthly  statement  or writing  to us at the address  for Billing  Inquiries and 
Correspondence located on the front of your monthly statement. We do not have to agree to any such request.  
2. Available Credit. The amounts shown on your monthly statement as Available Credit and Available Cash  Advance  do 
not reflect Purchases, Cash Advances, Interest , Fees, any other transactions, or credits which we receive and post to your 
Account after the Closing Date of that monthly  statement.  As a result,  the actual  amount  of Available  Credit  and Available  
Cash  Advance  may be different  from the amounts shown on your monthly statement. You may telephone us at the customer 
service number located on the front of your monthly statement or write to us at the address for Billing Inquiries and 
Correspondence located on the front of your monthly statement for your available  credit.  
3. Exceeding  the Credit  Limit.  We are not required to approve any transaction that would result in the Account balance 
exceeding the Credit Limit or the Cash Advances balance exceeding the Cash Advance Limit. However, we may allow  
any such transaction  at our discretion. If we refuse the  transaction, we may advise the person attempting the transaction of 
this fact.  
B. Types of Transactions.  You may use your Account to obtain credit for Purchases and Cash Advances.  
1. Purchases. �Purchase� means the use of the Card, Account number, Mobile Device or other credit device to buy or lease 
goods or services. A transaction that is defined as a Cash Advance is not a Purchase. If you use your Card to purchase 
goods or services by telephone , mail, or internet, you agree that your signature is not necessary as identification in such 
cases.  
2. Cash Advances. �Cash Advance� means: (1) use of the Card, Account number, Mobile Device or other credit device to 
obtain cash from a financial institution  or an automatic teller machine (�ATM�); (2) if we choose to allow it in our 
discretion, use of the Card, Account number, Mobile Device or other credit device to purchase a Cash Equivalent. A �Cash 
Equivalent� includes traveler�s checks, savings bonds, for eign currency, money orders, wire transfers, lottery tickets, gift 
cards,  purchases  or reloading  o f  prepaid  cards,  gaming  chips  and other  i t e m s  used for gamblin g transactions; or 
(3) if we choose to allow it in our discretion, use  of an access check you si gn as drawer. An �access check� means a check 
we send to you that can be used to obtain credit on your Account. Access checks will have an expiration date. An access 
check may not be used after its stated expiration date. We will not honor an access check that posts after the expiration  
date.  We may decline  an access  check  that posts  prior  to its expiration  date if we suspect  the access check to be fraudulent, 
if your Account is not in good standing or has insufficient available credit at the time the access check is presented for 
payment, or if the access check is damaged or unable to be processed.  
3. Mobile Devices. Any Purchases or other transactions made using a smart phone, tablet or other electronic device on which 
your Account number and/or other Account information has been stored or downloaded (�Mobile  Devices�)  are covered  
by the terms  of this Agreement.  Apps  that use your Account  information to  make  transactions  may have separate  terms  of 
use. We are not responsible  if you violate  those  terms,  or for any consequences resulting from any violation of those  terms.  
4. Access Checks. You may not issue a postdated access check on your Account. If you do, we may, at our discretion, either 
honor it upon presentment to us for payment, or return it unpaid to the person that presented it to us for payment, without 
waiting for the date shown on the a ccess check. We are not liable to you for any loss or expense as a result of either action. 
If you want us to stop payment on an access check, telephone us at  the customer  service  number  located  on the front  of 
your monthly  statement  or write  to us at the address  for Billing  Inquiries  and Correspondence  located  on the front  of your 
monthly  statement.  Give  us the access  check number, dollar amount and payee exactly as they appear on the access check. 
We will not be liable to you if we cannot complete the stop payment  request.   5    5. Foreign  Transactions.  If you make  a transaction  in a foreign  currency  (including  for example  purchasing  online from  a 
foreign  merchant),  the transaction  amount  will be converted  to a U.S. dollar  amount  by VISA International in accordance 
with VISA International �s operating regulations or conversion procedures in effect at the time the transaction is  processed.  
Currently,  those  regulations  and procedures  provide  that the currency  conversion  rate to be used is  either  the government  
mandated  exchange  rate or the wholesale  exchange  rate, in effect  one day before  the date  of the conversion,  as applicable.  
The currency  conversion  rate used by VISA International  on the currency conversion date may differ from the conversion 
rate in effect on the transaction date or posting date of the transaction. V ISA International�s procedures may change without  
notice.  
6. Recurring Authorized Transactions. Recurring authorized transactions are automatic charges to your Account that you 
establish with a merchant and authorize to occur on a regular basis, usually monthly.  You must contact the merchant to 
stop a recurring charge. Also, if we send you a new Card or Account number, for example because your prior Card expired 
or was lost or stolen, it is your sole responsibility to provide merchants with updated Card or Accoun t number information. 
We are not liable for any Fees or other charges you incur because a recurring transaction did not transfer to a new Card or 
a new Account number . Some merchants are able to automatically access your new Card or Account number, in whic h 
case recurring transactions will continue.  
C. Refusal To Honor Your Account.  We have discretion to refuse to honor any transaction presented on your Account for any 
reason or no reason. A merchant, business or financial institution may refuse to honor any transaction  presented  on your 
Account.  These  include  transactions  made  by Card,  Account  number,  access  check, Mobile Device, and any other credit device. 
We are not liable for any refusal to honor your Account. We are not liable for retention of the Card by us, a financial institution, 
or any provider of goods or  services.  
D. Statements.  
1. General. By the fourth day of the month that follows each monthly Billing Cycle, if there was activity on your Account, 
we will post your  statement  in your Cred.ai mobile app or your account at www.unicorncard.ai . Your statement will  show  what  
you owe,  the Minimum  Payment  Due, the Payment  Due Date,  your current  Credit Limit , an itemized list of Fees, charges, 
payments and credits posted to your Account during the Billing Cycle and other  important  information.  We may also mail 
or deliver  the monthly  statement  to the address  we have  on file for your Account. However, we reserve the right to change 
your Account Billing address if the U.S. Postal Service notifies us that your address has changed.  
2. Change of Address. You must notify us promptly of any change in your address by contacting us at the customer  service  
number  located  on the front  of your monthly  statement  or writing  us at the address  for Billing Inquiries and Correspondence 
located on the front of your monthly statement. Until we receive, process and verify  your new address,  we may continue  to 
send monthly  statements  and other  notices  to the last address  we have on file for your Account.  
E. Credit  Balance.  We will make  a good  faith effort  to return  to you any credit  balance  that has been  on your Account longer than 
six consecutive Billing Cycles (or, at our discretion, for a shorter time period). You may also request a refund of a credit balance 
on your Account at any time. We may reduce the amount of any credi t balance on your Account by applying the credit balance 
towards new Fees and charges posted to your Account. We do not pay any Interest on credit balances.  
F. Payments.  
1. General.  You must  pay each month  at least the Total  Minimum  Payment  Due by the Payment  Due Date  shown on each 
monthly statement on your Account. At any time, you may pay us more than the Total Minimum Payment Due, up 
to and including the total outstanding balance on your Account, without penalty.  Any payments made in one Billing 
Cycle will not count toward any Total Minimum Payment Due in the following Billing Cycle. Merchant credits or person -
to-person money transfers or other credits to your Account will not be treated as payments towards the Total Minimum 
Payment Due, u nless we decide otherwise in our absolute discretion. We have discretion to accept or reject any payment(s) 
made on your Account when there is a credit balance ( i.e., you do not owe any amount on your Account and prior payments 
or credits have resulted in a credit balance on your  Account).  
We can accept partial or late payments without losing any of our rights under this Agreement. If you submit any payment 
that is marked as �paid in full� or with other restrictive writing and is less than the total outstan ding balance on your 
Account, we can credit that payment to your Account and you will remain fully liable for any remaining total outstanding 
balance above the amount of your payment. No payment shall operate as an accord and satisfaction without the prior  
written approval of an officer of WSFS Bank authorized to provide such approvals.  
You may not use a postdated check to make a payment. If you do try to use a postdated check to make a payment,  we do 
not have  to wait for the date shown  on the check  and can either  honor  it upon  presentment  or return  it uncredited  to the  6    person  who presented  the check.  We are not liable  to anyone  for any loss or expense arising from the action(s) we take with 
respect to such postdated  check.  
2. Total Minimum Payment Due. The Total Minimum Payment Due in a Billing Cycle , shown on the statement for the 
immediately preceding Billing Cycle (the �Prior Statement�),  is equal to  the greater of a) $25 or b) the sum of: 2% of the 
New Balance  on the Prior Statement , plus the amount by which the New Balance on the Prior Statement exceeds the Credit 
Limit , plus all new Interest  and Fees shown on the Prior Statement , plus all past due  amounts , rounded  up to the nearest  
whole  dollar. However, the Total Minimum Payment Due will never be greater than the New Balance  on the Prior 
Statement . 
3. Payment Allocation. We allocate payments at our discretion, subject to applicable law. Typically  the amount of any 
payments, up to the Total Minimum Payment Due, will be allocated  first to unpaid Fees and Interest , then to the balance 
with the lowest APR and then to balances with higher APRs. Generally, payment amounts in excess of the Total Minimum 
Payment Due will be applied to balances with higher APRs before balances with lower APRs.  
4. Making Payments. We strongly encourage you to make payment by ACH. We do not accept payments in cash, and 
payments by mail may lead to higher Interest  and Late Payme nt Fees. You can arrange for ACH payments on either 
a recurring or one -time basis by going online to www.unicorncard.ai . Credit for any payment we accept that is not made 
in accordance with our payment instructions may be delayed for up to five (5) days. Y ou m ay not include any restrictive 
endorsements on any payment  and we may disregard any such e ndorsements. Payments may be made by mail  or online. 
All payments must be in U.S. dollars and drawn on a U.S. bank. �Business Day� is defined as Monday through Fr iday, 
excluding federal  holidays.  
a. By Mail.  Mailed  payments  received  by 5 p.m. local  time at the location  specified  on the front  of the monthly statement 
after the phrase, � Please Mail Your Payments To� will be credited as of the date of receipt if: a single check or money 
order, not cash, is in the envelope we provide, with the monthly statement payment stub; the  check  or money  order  is 
in U.S. dollars  and is issued  by a financial  institution  in the United  States;  and, you follow the additional payment  
instructions provided on or with the monthly statement.  Payments received on a non -Business Day or after 5 pm local 
time on a Business Day but that otherwise meet these requirements will be credited as of the next Business Day.  
b. Online. Payments may be made online using www.unicorncard.ai . These online payments will be credited as of the 
date received if the  payment  is in U.S. dollars and  drawn  on a U.S. financial  institution.  H o w e v e r ,  p ayments  
received  on a non -Business Day or after 5 pm Eastern Time on a Business Day but that otherwise meet these requirements 
will be credited as of the next Business  Day.  
c. Delay  in Crediting  and Available  Credit.  We may reject  or delay  crediting  payments  that do not follow  the 
instructions  above.  For example,  there  may be a delay  of up to five (5) days in crediting  a payment  by mail if  it is 
received  at an address  other  than the address  we specify  for payments  on your monthly  statement  or if it is received  
without  the required  payment  stub.  Your  available  credit  may not reflect  a payment for up to 15 days after we have 
credited a payment to your  Account.  
5. Electronic Check Conversion. Each time you send a check as payment, you authorize us either to use information  from  
your check  to make  a one-time electronic  funds  transfer  from the  account  on which  the check is drawn or at our option to 
process the payment as a check transaction. Funds may be withdrawn from your bank account as early as the date your 
check is received and you will not receive your check back from your financial institution. If we cannot process the 
electronic fund transfer, or if it is returned to us, you authorize us to reinitiate the electronic fund transfer from your b ank 
account. Alternatively, we may at our option present the original check or a substitute check, draft or similar neg otiable 
instrument to obtain payment. If you have questions about electronic check conversion, you may telephone us at the 
customer service number located on the front of your monthly statement, or write to us at the address for Billing Inquiries 
and Corre spondence located on the front of your monthly  statement.  
G. Unauthorized  Use. 
1. Unauthorized Use of Your Account. If any Card, Account number, access check, or credit device is lost or stolen, or if 
you think someone used or may use them without your permissio n, including use on a Mobile Device, you must notify us 
immediately by calling the customer service number located on the front of your monthly  statement.  
2. Your Liability for Persons Using Your Account. You are liable for: ( a) any transactions made by you o r an Authorized 
User on your Account; ( b) any transactions made by persons you allow to  use your Account  by providing  access  to any 
Card,  Account  number,  access  check,  any other  credit device, or any other information that would enable a person to 
conduct transactions that result in any charges to your Account; and ( c) any Interest  and Fees resulting from such use.  7    These transactions are subject to all terms of this Agreement.  You are liable  for all of these  transactions  including,  but not 
limited  to, transactions  for which  you may not have intended to be liable, and transactions which cause your total 
outstanding balance to exceed the Credit Limit . 
H. Lost or Stolen Cards, Account Numbers or Access Checks.  If any Card, Account number, access check or credit device is 
lost or stolen,  or if you think  someone  used or may use any of them  without  your permission,  notify  us AT ONCE  by calling the 
customer service number located on the front of your monthly statement. You agree that we may close your Account to new 
transactions, change your Account number(s) and/or issue you a new Card or Cards with a different Account number(s) if we  
have been notified of the possible loss, theft or unauthorized use.  If we do this, you must notify  anyone  you have  authorized  to 
submit  and post charges  to your Account  of your new Account  number.  Do not use your Card or Account number after you 
notify us, even if your Card is later found or  returned.  
Under VISA  U.S.A.  Inc.�s �Zero Liability Policy� you may not be liable for the unauthorized use of your Account or Card that 
results in a fraudulent transaction made over the VISA  network. To be eligible, you must notify us immediately of any 
unauthorized use of your Account or  Card. We will provisionally credit you for losses from the unauthorized  Card  use within  
five Business  Days  of your notification  to us of the loss. The VISA  Zero Liability  Policy does  not apply  to transactions  made  at 
an ATM  or to any transactions  made  using  your PIN that are not processed by VISA . We may impose greater liability, or 
withhold, delay, limit or rescind any provisional credit that we provide to you under the Zero Liability Policy, based on fac tors 
such as your gross neglig ence or fraud, your delay in reporting unauthorized use, our investigation and verification of your 
claim, your Account standing and history and other factors. If you are not eligible for the VISA  Zero Liability Policy or it 
otherwise does not apply, you m ay be liable for unauthorized use of your Account, but not for more than $50. You will not be 
liable for any unauthorized use of your Account that occurs after you notify us of the loss, theft or possible unauthorized u se 
of your Card or Account number. We may require you to provide certain information in writing to help us find out what 
happened. You also must identify for us any charges on your monthly statement that were not made by you or someone 
authorized by you and from which you received no  benefit.  
4. INTEREST.  
A. Interest Rates - Annual Percentage Rates (APRs).  The Annual Percentage Rate or �APR� is a rate, shown as a percentage, 
used to calculate Interest  on your Account. We use different APRs for Purchases and Cash Advances.  We use a Daily Periodic 
Rate, with a corresponding  APR,  to calculate Interest  on your Account. To get the Daily Periodic Rate  we divide the APR by 
365. You can find your initial variable APR and Daily Periodic Rate  for Purchases and your fixed APR and Daily Periodic 
Rate for Cash Advances in the Important Disclosures, which are part of this Agreement. The APRs for Purchases vary with the 
market, based on the U.S. Prime Rate.  
B. Variable APRs.  We calculate variable APRs for Purchases by adding a percentage, called a �Margin ,� to an Index . Each 
Billing Cycle, t he Index is the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal on the 
last publication day  of the latest calendar month ended prior to the beginning o f such Billing Cycle  each calendar month  (the 
�Determination Date�) . The APR may increase or decrease at the beginning of each Billing Cycle if the Prime Rate has change d. 
This new APR will apply to the existing Purchases balance  and to new Purchases. If t he APR increases, you will generally pay 
higher Interest and have a higher Total Minimum Payment Due. If The Wall Street Journal stops publishing the U.S. Prime 
Rate, we may, in our discretion, substitute another  Index as permitted by law.  You can find the  Margin used for your Purchases 
APR and the U.S. Prime Rate used for your initial Purchases APR in the Important Disclosures  included as part of this 
Agreement.  
C. Paying Interest; Grace Period on Purchases.  Your Payment Due Date is at least 25 days after the close of each Billing Cycle. 
We will not charge you any Interest on Purchases if you pay your entire New Balance by the Payment Due Date each Billing 
Cycle . We call a Billing Cycle  without Interest  on Pur chases a �Grace Period.� We will begin charging Interest on each Cash 
Advance on the transaction date of such Cash Advance. The transaction date for access checks, if permitted, is the date such 
check is first deposited or cashed, unless such check is crea ted electronically in which case the transaction date will be the date 
of the check�s creation. (You cannot avoid Interest on Cash Advances by paying the New Balance in full by the Payment Due 
Date.)  
D. Calculating  Interest . We calculate  Interest  for a Billing  Cycle  by multiplying  the Balance  Subject to  Interest  Rate for each 
Balance Type (Purchases or Cash Advances) by its applicable  Daily Periodic Rate  and the number of days in the Billing Cycle.  
The total Interest  for a Billing Cycle is the sum of the Interest for each Balance Subject to Interest  Rate.  
E. Balances Subject to Interest Rates.  For each Balance Type, whether  Purchases or Cash Advances,  the Balance Subject to 
Interest Rate is the Average Daily Balance for the Balance Type. The Average Daily Balance for a Billing Cycle  equals the 
sum of the daily Purchases or Cash Advances balances, as applicable, for each day of the Billing Cycle , divide d by the number 
of days in the Billing Cycle . However, the daily balance is never less than $0. Also, for Billing Cycles in which a Grace Period  8    applies , the Average Daily Balance for Purchases for that Billing Cycle  is $0.  
1. We get each day�s Cash Advances balance as follows:  
a. For each day, we start with the previous day�s Cash Advances balance, if any.  
b. We add any new Cash Advances and subtract any payments or credits applied to Cash Advances as of that day. This 
means that a Cash Advance taken on one day and  repaid the same day will never be reflected in any Cash Advances 
balance and will never give rise to Interest . 
2. We get each day�s Purchases balance as follows:  
a. For each day, we start with the prior day�s Purchases balance, if any.  
b. As of the first day of th e Billing Cycle , if the immediately preceding Billing Cycle  was a Grace Period we retroactively 
subtract all payments and credits applied to Purchases and posted by the Payment Due Date in such Billing Cycle . 
c. For each day in the Billing Cycle  (including th e first day of the Billing Cycle ), we add any new Purchases posted to 
your Account and subtract any payments or credits applied to Purchases as of that day. However, we do not subtract 
a second time any payments or credits that have already been subtracted  in step (b) above.  
F. When We Start Charging Interest.  
1. On each Cash Advance, we will begin charging Interest on the transaction date of such Cash Advance . 
2. On each Purchase, we charge Interest  from the post date on your Periodic Statement unless the Purchase posts during a 
Grace Period. If the Purchase posts during a Grace Period but the next Billing Cycle  is not a Grace Period, we start charging 
Interest  as of the first day of that next Billin g Cycle  on the portion of the Purchase , if any,  that is not paid by the Payment 
Due Date  in that Billing Cycle . We do not charge Interest on any Purchase that is made during a Grace Period and paid in 
full by the Payment Due Date in the next Billing Cycle . 
G. Treatment of Fees and Interest; No Compounding . We do not charge Interest  on Fees or Interest . We do not include Fees 
or Interest  in Purchases or Cash Advances balances.  
H. NOTICE TO COVERED BORROWERS  UNDER THE MLA  - Statement of MAPR:  Federal law provides important 
protections to members of the Armed Forces and their dependents (�Covered Borrowers�) relating to ex tensions of consumer 
credit. In general, the cost of consumer credit to a Covered Borrower 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 acco unts); and (4) any participation fee charged (other than 
certain participation fees for a credit card account). Oral Disclosures . Before signing this Agreement, in order to hear important 
disclosures and payment information about this Agreement, please con tact us at 1 -877-211-2551  for information and 
disclosures on protections offered to you under the Military Lending Act.  
5. FEES.  You agree to pay the Fees described below whenever  applicable.  
A. No Annual  Fee. We will not charge you Annual Fees  or other participation fees .  
B. No Transaction  Fees  
1. No Cash  Advance  Fees . We will not charge  you Transaction  Fees on Cash Advances.  
2. No Foreign Transaction Fee. We will not charge you Transaction Fees on Foreign Transactions.  
C. Late Payment Fee.  We will charge you a Late Payment Fee if we do not receive at least your Total Minimum Payment Due 
on or before its Payment Due Date. The Late Payment Fee is $25 , provided, however, that the Late Payment Fee will not exceed 
the Total Minimum Payment Due immediatel y prior to assessment of the  Fee.  
D. Returned Payment Fee.  We will charge you a Returned Payment Fee if a payment on your Account is returned for  any reason.  
The Returned  Payment  Fee is $25, provided, however, that the Returned Payment Fee will not exceed the Total Minimum   9    Payment  Due immediately  prior  to assessment  of the Fee and will not exceed  the amount  of the payment being  returned. Also, 
we will not charge you more than a single Returne d Payment Fee and/or Late Payment Fee with respect to the same Minimum 
Payment Due. If any payment is returned unpaid, we may resubmit it to your bank. Your bank may charge its own overdraft or 
non-sufficient funds fees in connection with returned payments.  
E. Incidental  Fees. 
1. Replacement Card Fee. We may charge you up to a $20 Card Re -Issue Fee for each replacement Card we provide in such 
calendar year.  
2. Stop Payment Fee. If you ask us to stop payment on an access check, we may charge you a Stop Paymen t Fee of  $35. 
3. Paper Statement Fee.  We may charge you a Paper Statement Fee of $25 each time you request and we provide you with a 
paper copy of any monthly statement unless the request is made in connection with a written notice of a billing error. We 
will donate the Paper Statement Fee to the Nat ional Forest Foundation.  
4. Additional Fees. We may charge additional Fees for separate services we provide you, in accordance with applicable law.  
6. DEFAULT.  
A. Actions that Trigger Default . You will be in default of this Agreement if:  
1. you do not make any required Total Minimum Payment Due by the applicable Payment Due  Date;  
2. you allow the total outstanding balance on your Account to exceed your Credit Limit  and fail to reduce the balance to your 
the Credit Limit immediately upon our demand ; 
3. you violate any term of this  Agreement;  
4. you submit a payment that is returned for insufficient funds or any other  reason;  
5. you voluntarily file for any form of  bankruptcy;  
6. an involuntary bankruptcy actio n is filed against  you; 
7. you provide any false or misleading information to us at any time, whether in writing, electronically or verbally;  
8. you fail to promptly provide information in response to any request we  make;  
9. you die or a court enters an order declaring you to be either temporarily or permanently mentally incapacitated or incompetent; 
or 
10. you are in default of, or terminate or cause to be terminated, any other agreement you have with us or any of our affiliates;  
B. Our Rights If You Default . If you default under this Agreement, we may take any and all actions permitted by law including, 
but not limited to, requiring you immediately to pay the total outstanding balance on your Account, suspending  your Account  
until such time as the total outstanding  balance  has been  paid,  permanently  closing  your Account or taking any other actions 
provided in this  Agreement.  
C. Collection  Costs . Subject to applicable law, you  agree  to pay us for all collection  costs  incurred  if we refer your Account  for 
collection  to any attorney,  collection  agency,  person  or entity  that is not our salaried  employee.  Collection  costs  include all 
amounts permitted by applicable law including, but not limited to, attorneys� fees, court costs, and collection agency fees. 
7. CLOSING OR SUSPENDING YOUR  ACCOUNT.  
A. Our Right to Close or Suspend Your Account . We may close or suspend your Account at any time, unless prohibited by 
applicable law. We may do this in our discretion, for any reason or for no reason, and without  prior  notice.  The closure  or 
suspension  of your Account  does not relieve  you of any responsibilities  set forth in  this Agreement.  Upon  the closing  or 
suspension  of your Account,  you remain  fully liable  for the total outstanding balance on your Account, including all transactions, 
Fees and Interest that accrued prior to closure or suspension and any that accrue after your Account has been closed or   10    suspended.  
B. Your  Right  to Close  your  Account.  You may close  your Account  at any time by calling  us at the customer  service number 
located on the front of your monthly statement or writing to us at the address for Billing Inquiries and Correspondence locat ed 
on the front of your monthly statement. Closing your Account does not relieve you of any responsibilitie s set forth in this 
Agreement. Specifically, you remain liable for the total outstanding balance on your Account, including all transactions, 
Interest, and Fees that have accrued on your Account and any that accrue after your Account has been  closed.  
C. Account Cannot Be Used After Closed.  Once your Account has been closed by us or closed at your request, neither you, any 
Authorized User(s) or any person(s) you or any Authorized User allow to use your Account are allowed  to use your Account  
for any transaction.  Upon  closing  of your Account,  you must:  (1) destroy  all Cards  and access checks and any other credit 
devices on your Account over which you have possession or the ability to access (including permanently removing any 
programs allowing access t o the Account on any Mobile Device); (2)  cause all Authorized Users to destroy any Cards, access 
checks and any other credit devices on your Account in their possession, and inform them that they must not attempt or make 
any further transactions on your Account; (3)  advise all persons you or any Authorized User allow to use your Account, that 
they must not make or attempt or make any further transactions on your Account; and (4) advise all third parties to whom you 
have given permissi on to make  recurring  charges  on your Account  that your Account  is closed  and they cannot  make  any future 
charges to your  Account.  
You bear sole liability for any legal, financial, or other consequences that may occur after your Account is closed, including 
the failure to have a recurring charge paid in a timely manner. We are not liable in any way for any legal, financial or othe r 
consequences that may occur as the result of closing your Account.  
8. COMMUNICATIONS WITH  YOU.  
A. How We Communicate With You . To the extent permitted by applicable law, you authorize us and our agents, assigns and 
service providers (collectively, the �Messaging Parties�) to contact you using automatic telephone dialing systems, artificial 
or prerecorded voice message systems, t ext messaging or push notification systems and automated email systems to provide 
you with information about the Card, the Account and/or this Agreement, including information about upcoming payment 
dates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone 
numbers (including wireless, landline and VOIP numbers) or email addresses y ou supply to the Messaging Parties, including 
in connection with the Application, the Messaging Parties� servicing and/or collection of amounts you owe under this 
Agreement, or any other transaction involving you and the Messaging Parties. You understand t hat anyone with access to your 
telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the  
Messaging Parties will have no liability for any resulting loss of privacy. You further understand that, when you receive a 
telephone call, text message or email, you may incur a charge from the company that provides you with telecommunications, 
wireless and/or Internet services, and you agree that the Messaging Parties will have no liability for such c harges except to the 
extent required by applicable law. You agree that this authorization constitutes a bargained for exchange. To the extent you 
have the right under applicable law to revoke this authorization, you agree you may do so only by mail to: Car d Services, Attn: 
�TCPA Opt -Out,� P .O. Box 63688 , Philadelphia, PA 19147 . To stop emails, you can follow the opt -out instructions included 
at the bottom of the Messaging Parties� emails.  If any telephone number you have provided to the Messaging Parties ch anges, 
or if you cease to be the owner, subscriber or primary user of any such telephone number, you agree to immediately give us 
notice of such facts so we can update their records.  You understand and agree that, subject to applicable law, the Messaging 
Parties may monitor and/or record any of your telephone conversations with any of their representatives , but they are not 
required to do so . 
B. Notices Concerning Your Account.  You agree that we may send any and all required notices concerning your Account  to the 
physical  address  provided  to us as your billing  address.  In addition,  if you agree  to email  notifications, then we may send any and 
all required notices to any email address you provide to us. Any notices we send to you, to your email or billing address, will 
be deemed sent upon  mailing.  
9. INFORMATION  SHARING.  You authorize us to collect information about you as permitted by applicable law. We collect 
information from credit reporting agencies and other third parties that have financial info rmation about you. You authorize us to 
share your Account information about you and any Authorized User(s) with our affiliates  and third  parties  including  credit  reporting  
agencies.  Please  see our Privacy  Policy,  which  is included in your Account opening material. It describes the reasons WSFS Bank can 
share its customers� personal  information.  
10. Miscellaneous.  
A. Account Benefits.  We may offer you certain third -party benefits and services with your Account, as outlined in benefits  
brochures  or other  documents  and internet  web sites.  For example,  certain  eligible  purchases  charged  with a  VISA� Card  may be  11    eligible  for certain  benefits  or services  through  VISA  U.S.A.  Inc. (or its affiliates).  Any benefits or services we make available 
through third parties (including without limitation VISA U.S.A. Inc.) are not a part of this Agreement, but are subject to th e 
terms and restrictions outlined in the applicable benefits brochures or other documents or internet web sites provided or mad e 
available to you from time to time. You agree that we may give information  about  you, any Authorized  User,  and your Account,  
to any third party  reasonably  needing  the information to provide you with such benefits or services. You also agree that we or 
any third party providing any Account - related benefits or services may change, add, or delete benefits or services at any time 
without notice to  you. 
B. Enforcing this Agreement; Severability.  We may delay or waive enforcing any of our rights or exercising any of our remedies 
under this Agreement or under applicable law without losing any of those rights or remedies. Even if we do not enforce our 
rights or exercise our remedies at any one time, we may enforce or exercise them at a later time. Except as otherwise provided 
in the Arbitration Clause, if any provision of this Agreement is found to be invalid or unenforceable, it shall not affect or  impair 
the validity and enforceability of all remaining pro visions of this  Agreement.  
C. Headings.  We use headings in this Agreement ( e.g., Account Use and Acceptance) for convenience and organization. They 
are for reference purposes only and do not impact the meaning of the  provisions.  
D. Assignment;  Sale of Account.  We may at any time,  and without  notice  to you, sell, assign  or transfer  your Account, any amounts 
due on your Account, this Agreement, or our rights or obligations under your Account or this Agreement to any person or 
entity. The person or entity to whom we make any such sale, assignment or transfer shall be entitled to all of our rights and 
shall assume our obligations under this Agreement, to the extent sold, assigned or transferred. You may not sell, assign or 
transfer your Account or any of your rights or obligations under this Agreement.  
E. No Security.  Your Account is unsecured. We are not taking (and waive) any security interest in any property in connection 
with your  Account.  
F. Evidence.  You agree that we may use a copy, microfilm, microfiche or digital image of any monthly statement or other 
document to prove what you owe us and that the copy, microfilm, microfiche or digital image will have the same validity as 
the original.  
G. Entire Agreement.  This Agreement is the entire agreement between you and us relating to your Account. This Agreement 
replaces any prior agreement relatin g to your Account. In the event of a conflict between this Agreement (including the other 
documents that are part of this Agreement) and any other document, this Agreement will control unless otherwise expressly 
provided in the other  document.  
H. Cardholder : Your name, address and signature (including any electronic or digital signature) and the date on any application 
or solicitation or on any sales slip or other evidence of indebtedness on your Account represent your name, address and signature 
and the date on this Agreement.  
I. Notice and Cure . Before starting a lawsuit or arbitration regarding a legal dispute or claim relating to this Agreement or the 
Account (as more fully defined in the Arbitration Clause, a �Claim�), the party asserting  the Claim (the �Claimant�) must 
give the other party (th e �Defending Party�) written notice of the Claim (a �Claim Notice�). The Claim Notice must explain 
in reasonable detail the nature of the Claim, any supporting facts and the relief that is demanded. If we are the Claimant, w e 
must send the Claim Notice to you to the address or email address for you maintained in our records. If you are the Claimant, 
you or an attorney you have personally hired must send the Claim Notice to UNICORN Credit Card Services, P.O. Box 
63688 , Philadelphia, PA 19147  (or such other address as we subsequently provide you). You (or your attorney) must provide 
your full name, the last five digits of your Account number and a phone number where you (or your attorney) can be reached. 
An attorney sending a Claim Notice on yo ur behalf must attach a writing signed by you to the Claim Notice, explicitly 
authorizing the attorney to act on your behalf. Once a Claim Notice is sent, the Complaining Party must give the Defending 
Party a reasonable opportunity over the next 30 days to  resolve the Claim on an individual basis. The Claimant must 
reasonably cooperate in providing any information about the Claim that the Defending Party reasonably requests.  12    ARBITRATION CLAUSE �EXHIBIT A  
We have put this Arbitration Clause (�Clause�) in que stion and answer form to make it easier to understand. However, this Clause is 
part of this Agreement and is legally binding. For purposes of this Clause, our Notice Address is: UNICORN Credit Card Services, 
Attention: Legal, P.O. Box 63688, Philadelphia, PA 19147 .  
Background and Scope.  
 
Question  Short Answer   
Further Detail  
What is 
arbitration?  An alternative 
to a court case  In arbitration, a third party  arbitrator (�TPA�) resolves �Claims� (as defined below) in a 
hearing. It is less formal than a court case.  
Is it different 
from court and 
jury trials?  Yes The hearing is private. There is no jury. It is usually less formal, faster and less expensive than 
a lawsuit. Pre -hearing fact finding (called �discovery�) is limited. Appeals are limited. Courts 
rarely overturn arbitration awards.  
Can you opt -out 
of this Clause?  Yes, within 60 
days  If you do not want this Clause to apply, you must send us a signed notice within 60 calendar 
days after you agree to this A greement . You must send the notice in writing (and not 
electronically) to our Notice Address , Attn. Arbitration Opt -Out Notice . Provide your name, 
address and date. State that you �opt out � of the arbitration clause.  
What is this 
Clause about?  The parties' 
agreement to 
arbitrate 
Claims  Unless you are a member of the Armed Forces or a dependent of such a member, protected by 
the M LA (a �Covered Borrower�)  or unless you opt out, you and we agree that any party may 
elect to arbitrate or require arbitration of any "Claim" as defined below.  
Who does the 
Clause cover?  You, us, and 
certain 
"Related 
Parties"  This Clause governs you , us and our �Related Parties": (1)  our parents, subsidiaries and 
affiliates; (2) employees, directors, officers, shareholders, members and representatives  of ours 
or such other entitie s; and (3) any person or company that is involved in a Claim you pursue at 
the same time you pursue a relate d Claim agai nst the Bank . However, this Clause does not 
apply if you are a Covered Borrower.  
What Claims 
does the Clause 
cover?  All Claims 
(except certain 
Claims about 
this Clause)  This Clause governs all �Claims� that would usually be decided in court and are betwee n the 
Bank or any Related Party and you. In this Clause, the word �Claims� has the broadest 
reasonable meaning. It includes contract and tort (including intentional tort) claims and claims 
under constitutions, statutes, ordinances, rules and regulations. It includes all claims even 
indirectly related to the Card or Account, your application for the Account, this Agreement or 
our relationship with you. It includes claims related to collections, privacy and customer 
information. It includes claims related to the validity in general of this Agreement. However, it 
does not include Claims about the validity, coverage or scope of this Clause or any part of 
this Clause. All such Claims are for a court and not the TPA to decide.  
Who handles the 
arbitration?  Usually AAA 
or JAMS  Arbitrations are conducted under this Clause and the rules of the arbitration company in effect 
at the time the arbitration is commenced. However, arbitration rules that conflict with this 
Clause do not apply. The arbitrati on company will be either:  
� The American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, 
NY 10019, www.adr.org.  
� JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com . 
� Any other company picked by agreement of the parties.  
  
If all the above options are unavailable, a court will pick the arbitration company. No  13     
Question  Short Answer   
Further Detail  
arbitration brought on a class basis may be administered without our consent by a ny 
arbitration company that would permit class arbitration under this Clause . The TPA will 
be selected under the arbitration company's rules. However, the arbitrator must be a lawyer with 
at least ten years of experience or a retired judge unless you and we otherwise agree.  
Can Claims be 
brought in 
court?  Sometimes  You or  we may bring a lawsuit if the other party does not demand arbitration. We will not 
demand arbitration of any lawsuit you bring as an individual action in small -claims court. 
However, we may demand arbitration of any appeal of a small -claims decision or any s mall-
claims action brought on a class basis.  
Are you giving 
up any rights?  Yes  For Claims subject to this Clause, you give up your right to:  
1. Have juries decide Claims.  
2. Have courts, other than small -claims courts, decide Claims.  
3. Serve as a private attorne y general or in a representative capacity.  
4. Join a Claim you have with a Claim by other consumers.  
5. Bring or be a class member in a class action or class arbitration.  
We also give up the right to a jury trial and to have courts decide Claims you wish to 
arbitrate.  
Can you or 
another 
consumer start 
class 
arbitration?  No The TPA is not allowed to handle any Claim on a class or representative basis. All Claims 
subject to this Clause must be decided in an individual  arbitration or an individual small -claims 
action. This Clause will be void if a court rules that the TPA can decide a Claim on a class basis 
and the court's ruling is not reversed on appeal.  
What happens if 
part of this 
Clause cannot 
be enforced?  It depends.  If any portion of this Clause cannot be enforced, the rest of this Clause will continue to apply, 
except that:  
(A) If a court rules that the TPA can decide a Claim on a class or other representative 
basis and the court's ruling is not reversed on appeal, only  this sentence will apply and the 
remainder of this Clause will be void.  AND  
(B) If a party brings a Claim seeking public injunctive relief and a court determines that 
the restrictions in this Clause prohibiting the TPA from awarding relief on 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.  In such a case 
the parties agree to request that the court stay the Claim for public injunctive relief until the 
arbitration award pertaining to individual relief has been entered in court.  
In no event will a Claim for class relief or public injunctive relief be arbitrated.   
What law 
applies?  The Federal 
Arbitration 
Act (�FAA�)  This agreement involves interstate commerce. Thus, the FAA governs this Clause. The TPA 
must apply substantive law consistent with the FAA. The TPA must honor statutes of limitation 
and privilege rights. Punitive damages are governed by the constitutional standards that apply 
in judicial proceedings.   14     
Question  Short Answer   
Further Detail  
Will anything 
you do make 
this Clause 
ineffective?  No This Clause stays in force even if: (1) this Agreement end s; or (2) we transfer or assign our 
rights under this Agreement.  
 
Process.  
 
Question  Short Answer   
Further Detail  
What must a 
party do before 
starting a 
lawsuit or 
arbitration?  Send a written 
Claim Notice 
and work to 
resolve the 
Claim  Before starting a lawsuit or arbitration, the Claimant must comply with Section 10 -I of this 
Agreement, captioned �Notice and Cure.�  
How does 
arbitration 
start?  Mailing a 
notice  If the parties do not reach an agreement to resolve the Claim within 30 days after notice of the 
Claim is received, the Complaining Party may start a lawsuit or arbitration, subject to the terms 
of this Clause. To start arbitration, the Complaining Party picks the arbitration company and 
follows the arbitration company's rules. If one party starts or threatens a lawsuit, the other party 
can demand arbitration. This demand can be made in court papers. It can be made if a party 
starts a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration 
demand is made, no lawsuit can be brought and any existing lawsuit must stop.  
Will any hearing 
be held nearby?  Yes  The TPA may decide that an in -person hearing is unnecessary and that he or she can resolve a 
Claim based on written filings and/or a conference call. However, any in -person arbitration 
hearing must be held at a place reasonably convenient to you.  
What about 
appeals?  Very limited  Appeal rights under the FAA are very limited. The TPA's decision will be final and binding, 
except for any FAA appeal right. Any appropriate court may enter judgment upon the 
arbitrator's award.  
Do arbitration 
awards affect 
other disputes?  No  No arbitra tion award involving the parties will have any impact as to issues or claims in any 
dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in 
prior disputes involving other parties have any impact in an arbitration be tween the parties to 
this Clause.   
Arbitration Fees and Awards.  
 
Question  Short Answer   
Further Detail  
Who bears 
arbitration fees? Usually, we do  We will pay all filing, administrative, hearing and TPA fees if you act in good faith, cannot get 
a waiver of such fees and ask us to pay.  
When will we 
cover your legal 
fees and costs?  If you win  If you win an arbitration, we will pay your reasonable  fees and costs for attorneys, experts and 
witnesses. We will also pay these amounts if required under applicable law or the arbitration 
company's rules or if payment is required to enforce this Clause. The TPA shall not limit his or 
her award of  these amounts because your Claim is for a small amount.   15     
Question  Short Answer   
Further Detail  
Will you  us for 
arbitration or 
attorneys' fees? Only for bad 
faith  The TPA can require you to pay fees incurred by us if (and only if): (1) the TPA finds that you 
have acted in bad faith (as measur ed by the standards set forth in Federal Rule of Civil 
Procedure 11(b)); and (2) this power does not make this Clause invalid.  
Can a failure to 
resolve a Claim 
informally result 
in a larger 
recovery for 
you?  Yes You are entitled to an arbitration award of at least $5,000 if: (1) you give us notice of a Claim 
on your own behalf (and not on behalf of any other party) and comply with all of the 
requirements of this Clause (including the requirements described in resp onse to the question 
reading "What must a party do before starting a lawsuit or arbitration?)"; and (2) the TPA 
awards you money damages greater than the last amount you requested at least ten days before 
the arbitration commenced. This is in addition to t he attorneys' fees and expenses (including 
expert witness  fees and costs) to which you are otherwise entitled. This $5,000 minimum award 
is a single award that applies to all Claims you have raised or could have raised in the 
arbitration. Multiple awards o f $5,000 are not contemplated by this Clause. Settlement demands 
and offers are strictly confidential. They may not be used in any proceeding by either party 
except to justify a minimum recovery of $5,000.  
Can an award 
be explained?  Yes  A party may request details from the TPA, within 14 days of the ruling. Upon such request, the 
TPA will explain the ruling in writing.  
 
   16    ADDITIONAL NOTICES AND DISCLOSURES �EXHIBIT B  
Your Billing Rights: Keep This Document For Future Use  
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find A Mistake On Your Periodic Statement  
If you think there is an error on your statement, please call us at the toll -free number on the back of your card or write to us at:  
Card Services  
P.O. Box 63688  
Philadelphia, PA 19147  
In your letter, give us the following information:  
� Card information: Your name and account number.  
� Dollar amount: The dollar amount of the suspected error.  
� Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe 
it is a mistake.  
You must contact us:  
� Within 60 days after the error appeared on your statement.  
� At least 3 business days before an automated payment is scheduled,  if you want to stop payment on the amount you think is 
wrong.  
You must notify us of any potential errors in writing . 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.  
Wha t 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 a lready 
corrected the error.  
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correc t. 
While we investigate whether or not there has been an error:  
� We cannot try to collect the amount in question, or report you as d elinquent on that amount.  
� The charge in question may remain on your statement, and we may continue to charge you Interest on that amount.  
� While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
� We can app ly any unpaid amount against your Credit Limit . 
After we finish our investigation, one of two things will happen:  
� If we made a mistake:  You will not have to pay the amount in question or any Interest or other Fees related to that amount.  
� If we do not belie ve there was a mistake : You will have to pay the amount in question, along with applicable Interest and 
Fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe.  
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without also reporting that you are questio ning 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 $5 0 of the amount you question even if your bill is correct.  
Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
To use this right, all of the following must be true:   17    1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price 
must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to 
you, or if we own the company that sold you the goods or services.)  
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that 
accesses your credit card account do not qualify.  
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, please call us at the toll -free number on the back of 
your card or write to us at:  
Card Services  
P.O. Box 63688  
Philadelphia, PA 19147  
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we w ill tell 
you our decision. At that point, if we think you owe an amount and you do not pay, we may report yo u as delinquent.  
State Notices  
Notice to California Residents: Married applicants may apply for a separate account(s).  
Notice t o Delaware and Oregon Residents:  Service charges not in excess of those permitted by law will be charged on the 
outstanding balan ce from month to month. You may pay more than the minimum payment due, up to your entire balance, at any 
time.  
Notice to 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. New York State 
Department of Financial Services: 1 -800-342-3736 or http://www.dfs.ny.gov.  
Notice to Ohio Residents:  The Ohio laws against discrimination require that all creditors make credit equally available to 
all creditworthy 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.  
Notice to Rhode Island and Vermont Residents:  A consumer credit report may be ordered in connection with this 
application, or subsequently for purposes of review or collection of the Account, increasing the credit line on the Account, 
or other legitimate purposes associated with the Account. If you are a Vermont resident, you consent to the obtaining of such  
reports by signing or  otherwise submitting a credit application.  
Notice to Married Wisconsin Residents:  No provision of any marital property agreement, unilateral statement under Section 
766.59 of the Wisconsin Statutes or court decree under Section 766.70, adversely affects t he Interest of the creditor, WSFS 
Bank, unless WSFS Bank, prior to the time of the credit is granted, is furnished a copy of that agreement, statement or decre e, 
or has actual knowledge of the adverse provision when the obligation to WSFS Bank is incurred.  YOU PROMISE IF YOU 
ARE MARRIED, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR 
MARRIAGE OR FAMILY. Married applicants must provide their Social Security number and address and their spouse's name 
and address to UNICORN Credit Card Services, P.O. Box 63688, Philadelphia, PA 19147 . If the card for which you are 
applying is granted, you will notify WSFS Bank if you have a spouse who needs to receive notification that credit has been 
extended to you.  
 
 
 
 
   
 
 UNICORN CARD PRICING INFORMATION  
  Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases  17.76%  
This APR will vary with the market based on the Prime Rate. * 
APR for Cash Advances  24.99%  
How to Avoid Paying Interest on 
Purchases  Your due date is at least 25 days after the close of each Billing Cycle. We will 
not charge you any Interest on purchases if you pay your entire balance by the 
due date each month.  
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau  To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.  
 Fees  
Annual Fee  None  
Transaction Fees    None  
Penalty Fees  
� Late Payment  
� Returned Payment   
 
Up to $25.  
Up to $25. 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new 
purchases )." See section 4.E. ( Balances Subject to Interest Rates ) of the Unicorn Credit Card Cardholder 
Agreement  for more details.  
 
*Prime Rate:  The Purchases APR on  Unicorn Credit Card accounts will be determined each Billing Cycle by 
adding a 14.51 % margin to the Prime Rate (U.S.) as publi shed in The Wall Street Journal  which was 3.25% as 
of the end of the preceding calendar month.  See section 4.B. ( Variable APRs ) of the Unicorn Credit Card 
Cardholder Agreement  for more details.