VISA® Unicorn Credit Card 

Important Disclosures 

Rates, Fees, and other important information about the VISA® 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 account 
("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 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 

Transaction Fees 

Penalty Fees 

• Late Payment 

• Returned Payment 

None 

  None 

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, the 
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 PATRIOT Act): To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify 

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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. VISA is a registered trademark and service mark of VISA 
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 requirements. 

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 service 
your Account. Message and data 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 monitored and/or recorded, 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 electronically 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 application 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 such 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 with 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 address of the consumer reporting 
agency that furnished the report. You agree that all credit card applications remain our property. By submitting a credit card 
application to us, you also certify that all the information you have provided is true and complete, 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 are 
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”)  OR  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  the  end  of  the  Agreement,  including  notices  for  residents  of 
California, Delaware, New York, Ohio, Oregon, Rhode Island, Vermont and Wisconsin (for married applicants). 

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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”) creates 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  an  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 Card 
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 single 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 Account 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. 

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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 Limits 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, foreign 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  gambling transactions; or 
(3) if we choose to allow it in our discretion, use of an access check you sign 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 access 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. 

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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. VISA 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 Account 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 which 
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 credit 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, unless 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 outstanding 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 

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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 Payment 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. You may not include any restrictive 
endorsements on any payment and we may disregard any such endorsements. 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 Friday, 
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 bank 
account. Alternatively, we may at our option present the original check or a substitute check, draft or similar negotiable 
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 Correspondence 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 permission, 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 or 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. 

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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 factors 
such as your gross negligence 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 may 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 use 
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, the 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 of 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 changed. 
This new APR will apply to the existing Purchases balance and to new Purchases. If the 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 Purchases 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 created 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, divided 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 

7 

 
 
 
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 the 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 the 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 Billing 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 extensions 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 accounts); 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  contact  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 immediately 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 

8 

 
 
 
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 Returned 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 Payment 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 National 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 action 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 

9 

 
 
 
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 located 
on the front of your monthly statement. Closing your Account does not relieve you of any responsibilities 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 to 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 permission 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 other 
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, text 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 you 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 that 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 charges 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: Card 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 changes, 
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 information 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 

10 

 
 
 
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 the 
terms and restrictions outlined in the applicable benefits brochures or other documents or internet web sites provided or made 
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 provisions 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 relating 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 (the “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, we 
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 your 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. 

11 

 
 
 
ARBITRATION CLAUSE—EXHIBIT A 

We have put this Arbitration Clause (“Clause”) in question 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 Agreement. 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? 

Who does the 
Clause cover? 

The parties' 
agreement to 
arbitrate 
Claims 

You, us, and 
certain 
"Related 
Parties"  

What Claims 
does the Clause 
cover? 

All Claims 
(except certain 
Claims about 
this Clause) 

Unless you are a member of the Armed Forces or a dependent of such a member, protected by 
the MLA (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. 

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 entities; and (3) any person or company that is involved in a Claim you pursue at 
the same time you pursue a related Claim against the Bank. However, this Clause does not 
apply if you are a Covered Borrower. 

This Clause governs all “Claims” that would usually be decided in court and are between 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.  

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 arbitration company will be either: 

•  The American Arbitration Association ("AAA"), 1633 Broadway, 10th Floor, New York, 

Who handles the 
arbitration? 

Usually AAA 
or JAMS 

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 

12 

 
 
 
 
 
  
Question 

Short Answer 

Further Detail 

arbitration brought on a class basis may be administered without our consent by any 
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 small-
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 attorney 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. 

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.  

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 

If a party brings a Claim seeking public injunctive relief and a court determines that 

(B) 
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.  

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. 

Can you or 
another 
consumer start 
class 
arbitration? 

What happens if 
part of this 
Clause cannot 
be enforced?  

What law 
applies? 

13 

 
 
 
 
 
Question 

Short Answer 

Further Detail 

No 

This Clause stays in force even if: (1) this Agreement ends; or (2) we transfer or assign our 
rights under this Agreement. 

Will anything 
you do make 
this Clause 
ineffective? 

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 

How does 
arbitration 
start? 

Mailing a 
notice 

Before starting a lawsuit or arbitration, the Claimant must comply with Section 10-I of this 
Agreement, captioned “Notice and Cure.” 

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  

Arbitration Fees and Awards. 

No arbitration 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 between the parties to 
this Clause.   

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. 

14 

 
 
 
 
 
 
 
 
 
 
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 measured 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 response 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 the 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 of $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. 

15 

 
 
 
 
 
 
 
 
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. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 
corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 

•  The charge in question may remain on your statement, and we may continue to charge you Interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your Credit Limit. 

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or any Interest or other Fees related to that amount. 

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable Interest and 
Fees.  We  will  send  you a  statement  of  the  amount  you  owe and  the  date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

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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 will tell 
you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

State Notices 

Notice to California Residents: Married applicants may apply for a separate account(s). 

Notice to Delaware and Oregon Residents: Service charges not in excess of those permitted by law will be charged on the 
outstanding balance 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 the 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 decree, 
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. 

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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  Consumer  Financial  Protection  Bureau  at 
http://www.consumerfinance.gov/learnmore. 

the  website  of 

 Fees 

Annual Fee 

Transaction Fees 

Penalty Fees 

• Late Payment 

• Returned Payment 

None 

  None 

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 published 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.