The Sable Secured Credit Card Cardholder Agreement 
Effective as of November 19, 2021 

The Sable Credit Card is a Secured credit card backed by funds in your Sable security account.  Both the card and 
security account are offered through Coastal Community Bank.  

We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security 
Account.  See the “Credit Limit” section below for more details. 

The Sable secured credit card cannot be used for cash advances or balance transfers. 

INTEREST RATES AND FEES 

Annual Percentage Rate 
(APR) for purchases 

Prime + 6.99% 

How to Avoid Paying 
Interest on Purchases 

This APR will vary with the market based on the Prime Rate. 

Your due date is at least 21 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.  

Annual Fee 

None 

Foreign Transaction Fees 

2% 

Late Payment 

Returned Payment 

None 

Up to $30 

Card Expedite Fee 

$20 

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. 

Credit Limit: Your credit limit will be equal to the amount of security you put down, which can be up to $10,000. 

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HOW INTEREST IS CALCULATED 

Your Interest Rate 

We use a daily rate to calculate the interest on the balance on your account each day. 
The daily rate is the applicable APR times 1/365. Interest will be imposed in amounts 
or at rates not in excess of those permitted by applicable law. 

The following rates apply to purchases and cash advances. If approved, the Annual 
Percentage Rates (APRs) applicable to your account will be provided in a table at the 
beginning of your Agreement. Your APRs will be shown on your billing statement. 

EXAMPLE: 
The APR for purchases is the prime rate plus 6.99%. As of October 1, 2020, the daily 
rate for purchases was .028055% (APR 10.24%). 

However, if we have disclosed a promotional rate at the time we made a promotional 
offer, we will calculate interest on balances subject to that promotional offer using the 
applicable promotional financing rate. 

Daily Rates May Vary. The APRs and the daily rates on your account vary with the 
market based on the prime rate. The prime rate for a billing cycle is the highest bank 
prime loan rate published in The Wall Street Journal in its Money Rates section on the 
last business day of the calendar month preceding the first day of the billing cycle. 

If the prime rate increases, the daily rates and APRs will increase. As a result, 
interest, your total minimum payment and the number of payments it would take you 
to pay off your account balance may increase. We apply any change in rates because 
of a prime rate change to your entire account balance. A change in the prime rate will 
take effect on the first day of the first billing cycle after the change. We may select a 
new interest rate index if the prime rate is not available. 

When We Charge Interest 

Purchases. Generally, we charge interest on your purchases from the date you make 
the purchase until you pay the purchase in full. See exceptions below. 

!  We will not charge you interest during a billing cycle on any purchases if: 

1.  You had no balance at the start of the billing cycle; OR 
2.  You had a balance at the start of the billing cycle and you paid that 

balance in full by the due date in that billing cycle. 

!  We will credit, as of the start of the billing cycle, any payment you make by 

the due date that we allocate to purchases if: 

1.  You had no balance at the start of the previous billing cycle; OR 
2.  You had a balance at the start of the previous billing cycle and you 
paid that balance in full by the due date in the previous billing cycle. 

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How We Calculate Interest  We calculate interest on your account by applying the daily rate to the daily balance 

for each day in the billing cycle. See below for how this works: 

1.  How to get the daily balance: We take the starting balance for each 

balance type each day, add any new charges and fees, and subtract any 
payments or credits. This gives us the daily balance. 

              We apply Returned Payment fees to balance as new purchases. 

2.  How to get the daily interest amount: We multiply each daily balance by 

the daily rate that applies. 

3.  How to get the starting balance for the next day: We add the daily 

interest amount (step 2) to the daily balance (step 1) 

4.  How to get the interest charge for the billing cycle: We add all the daily 

interest amounts that were charged during the billing cycle for all the balance 
types, to get the interest for the account. 

State Notices 

All Accounts, including New York Residents: We may obtain your credit report in connection with evaluating your 
application and subsequently in connection with updates to your account for additional credit, payments or 
delinquencies.  We will inform you, upon request, whether a report was obtained and, if so, the name and address of 
the consumer reporting agency that furnished the report. 

All Accounts, including Rhode Island and Vermont Residents: We may request a credit report in connection with 
the application. You consent to the obtaining of such reports by submitting this application. 

California Residents: A married applicant may apply for a separate account."
"
Delaware and Maryland Residents: Service charges not in excess of those permitted by law will be charged on the 
outstanding balances from month to month."
"
New York Residents: New York residents may contact the New York State Department of Financial Services to 
obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-342-3736, or on the web at 
www.dfs.ny.gov, or by contacting the Consumer Financial Bureau at www.consumerfinance.gov/"
"
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."
"
Married Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 
766.59 or a court decree under section 766.70 adversely affects the interest of the creditor unless the creditor, prior 
to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge 
of the adverse provision when the obligation to the creditor is incurred."
"
Married Wisconsin Residents: If you are applying for individual credit or joint credit with someone other than your 
spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse's financial 
information. 

!

USA Patriot Act 

!
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, and record information that identifies each person who opens an 
account. 

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This means that when you open an account or use our services, we will ask for your name, physical address, date of 
birth and other information that will allow us to identify you. We may also ask to see other identifying documents such 
as driver's license or other documents that validate your identity. 

Even if you have been an existing customer of ours, we may ask you to provide this kind of information and 
documentation because we may not have collected it from you in the past or we may need to update our records.  

If, for any reason, any owner is unable to provide the information necessary to verify their identity, your account(s) 
may not be opened, may be blocked or closed. 

You are responsible for the accuracy and completeness of all information supplied to us in connection with your 
account and/or account services and for keeping your personal data with us updated if you move or otherwise make 
changes to your personal data. 

Minimum Payment Calculation 

Your total minimum monthly payment is calculated as follows: 

1.  The greater of $25 or 2% of the previous statement balance (excluding any interest charges, fees, and any 

amount past due) plus interest, plus fees and plus any amount that is past due.  This sum will be rounded up 
to the nearest dollar, or 
If your balance is less than $25, the minimum due will equal the balance on the account. 

2. 

You may pay more than the Minimum Payment or you may pay the total outstanding balance at any time. If you make 
a payment greater than your Minimum Payment, this does not affect your obligation to make the next Minimum 
Payment. Credits to your Account, such as from merchants, are generally not considered payments and will not 
reduce your total Minimum Payment. 

If your account is 30 days past due and your reserve balance is greater than your outstanding balance, Sable will use 
your reserve funds to pay your minimum balance. 
If your account is 30 days past due and your reserve balance is less than your outstanding balance, your entire 
balance is immediately due and payable. In this instance, Sable will use your reserve funds to pay your outstanding 
balance, and will send notification to you to make payments on the outstanding balance immediately. 
If your Account is part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and 
payable.  

THE SERVICES AND ALL CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE". THE SERVICES AND 
CONTENT ARE PROVIDED WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT 
NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND 
FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF 
PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. SABLE AND ITS 
AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT 
PROCESSORS) DO NOT WARRANT THAT: (1) THE CONTENT IS TIMELY, ACCURATE, COMPLETE, RELIABLE 
OR CORRECT; (2) THE SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR 
LOCATION; (3) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (4) THE CONTENT IS FREE OF VIRUSES 
OR OTHER HARMFUL COMPONENTS; OR (5) THE RESULTS OF USING THE SERVICES WILL MEET YOUR 
REQUIREMENTS. YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK. 

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Standard Provisions 

ABOUT THE CREDIT CARD ACCOUNT AGREEMENT 

This Agreement 

This Sable Credit Card Cardholder Agreement, together with your Account Opening 
Disclosures (including, as applicable, the Privacy Policy and Truth in Lending 
Disclosure) (collectively, this “Agreement”) govern the use of the Sable credit card 
(“Card”) and related security account (“Account”). Please read this Agreement and 
retain a copy for your records. This Agreement will become effective when you (or a 
person authorized by you) activate your Card and make a transaction using the Card. 
Your use of the Card is your consent to be bound by the terms of this Agreement. The 
Card and credit under this agreement is issued by Coastal Community Bank (“Bank”). 
These documents replace any other agreement relating to your account that you or we 
made earlier or at the same time. 

Parties To This Agreement  As used in this Agreement “we,” “us” and “our” mean the Bank as the Card issuer, 

Sable as the facilitator and Coastal Community Bank as the creditor. The words “you” 
and “your” mean all persons responsible for complying with this Agreement, including 
the applicant, the cardholder, any guarantor and the person to whom we address 
Account statements. 

Business Days 

Monday through Friday, excluding Federal Reserve Bank holidays. 

Changes To This 
Agreement 

Subject to the limitations of applicable law, we may at any time change, add to or 
delete any of the terms and conditions in this Agreement, including, but not limited to, 
interest rates and this Change of Terms provision. Such changes may be based, in 
whole or in part, upon factors including, but not limited to, anti-fraud policies and 
procedures, your record of making timely payments and staying within the established 
Credit Limit on your Account with us, or your credit score and information contained in 
your credit report and financial data. We will give you notice of any change, addition or 
deletion as required by applicable law. As of the effective date, the changed terms, at 
our option, will apply to new Purchases and to the outstanding balances of your 
Account, to the extent permitted by applicable law. 

HOW TO USE YOUR ACCOUNT 

Your Registration & Your 
Responsibility 

Use Of Your Card And 
Account 

To sign up for a Sable Credit Card you must have an account with Sable (an 
“Account”). You must provide accurate and complete information and keep your 
Account information updated. By registering, you represent and warrant that you are 
providing accurate and complete information and that you will keep your Account 
information updated. You are responsible for the activity that occurs on your Account, 
and for keeping your Account password secure. You may be held liable for losses or 
damages incurred by us or any other user of or visitor to the Services due to someone 
else using your user name, ID, password, or other information which provides access 
to the Services. You may never use another person’s user account or registration 
information for the Services without permission. You must notify us immediately of any 
change in your eligibility to use Sable’s account or credit card (including any changes 
to or revocation of any licenses from state authorities), breach of security or 
unauthorized use of your Account. You should never publish, distribute or post login 
information for your Account. 

You may use the Card to make purchases only for personal, family or household 
purposes from any person or establishment accepting the Card (each such transaction, 
a “Purchase”). The Card does not have a cash advance or balance transfer feature. 
You agree to use the Card only for legal and lawful purposes. The Card may not be 
used for illegal transactions or for the purpose of paying us on this or any other form of 
credit account you may have with us. If you use your Card for any such purpose, you 

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You Promise To Pay 

Credit Limit 

Transaction Limits 

Monthly Statements 

will be in default under this Agreement and we may block such transactions and/or 
terminate your Account, but you still will be liable to us for all charges relating to such 
transactions and all other transactions on your Account at the time it is closed. 

You promise to pay us for all amounts charged to the Account, including all purchases 
and interest charged to your Account. You are obligated to repay us for all transactions 
made using your Card by people you have authorized to use the Card even if their use 
of the Card exceeds the authorization which you gave them. 

We will grant you credit up to a maximum amount (your “Credit Limit”) based on the 
deposit made to your Security Account.  Your current Credit Limit will be shown on 
each monthly statement. You promise not to exceed your Credit Limit. However, if you 
exceed your Credit Limit, we can still charge you for all Purchases and interest without 
giving up any of our rights. If we ask you to promptly pay the amount of your Account 
balance above your Credit Limit, you agree to do so. At our discretion, we may (1) 
block transactions that would exceed your Credit Limit and (2) change your Credit Limit 
at any time without advance notice to you. 

To prevent fraud, we may limit the number or dollar amount of any type of transactions 
you can make in any particular amount of time. We also may decline any particular 
charge on your Account for any reason. 

We will electronically send you a monthly statement for any billing period in which there 
is activity on your Account, or as otherwise required by applicable law. Your monthly 
statement will show, among other things, (1) the unpaid balance on your Account at 
the beginning of the billing period (the “Previous Balance”); (2) any Purchases, interest 
and other debits posted to your Account in that billing period; (3) any payments and 
credits posted to your Account in that billing period; and (4) the Minimum Payment you 
must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is 
set to be available on the 11th of every month with a due date of the 27th of every 
month). Your credit card statement will be available on-line where you can review and 
print. 

Transactions In Foreign 
Currencies 

We charge a 2% fee on foreign transactions. 

If you obtain funds or make a purchase in a currency other than U.S. dollars, the 
amount deducted from the Available Balance of your Account will be converted by 
Mastercard into an amount in U.S. dollars. The exchange rate between the transaction 
currency and the billing currency used for processing international transactions is a 
rate selected by Mastercard from the range of rates available in wholesale currency 
markets for the applicable central processing date, which may vary from the rate 
Mastercard itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The conversion rate may be different from the rate in effect on 
the date of your transaction and the date it is posted to your Account.  MasterCard may 
charge you an International Service Fee (sometimes referred to as an “ISF”) equal to 
one percent (1%) of the U.S. dollar amount of any International Transaction. The 
International Service Fee will be calculated on the U.S. dollar amount provided to us by 
Mastercard and will be charged to the same Account to which the transaction is posted 
at the same time the International Transaction posts to that Account. The same 
conversion process and fee may apply if any International Transaction is reversed or 
credited back to your Account. 

Pre-authorized Recurring 
Merchant Transactions 

You may authorize a merchant to automatically initiate a transaction on a recurring 
basis to your Account. Upon the issuance by us of a new Card with a new Account 
number or expiration date, you may be required to contact the merchant to provide 
such updated information in order to continue the recurring transactions. You must 
contact the merchant if you want to cancel automatic billing. 

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HOW AND WHEN TO MAKE PAYMENTS 

When You Must Pay 

How To Make Payments 

Payment Allocation 

We must receive at least the Minimum Payment due on your Account by 7:00 p.m. 
Eastern Time on the Payment Due Date of each billing period. The Minimum Payment 
Due and Payment Due Date are shown on each billing statement. Payments received 
after the Cut-Off Time will be credited to your Account no later than the next business 
day. Credit to your Account may be delayed for up to five (5) days if we receive a 
payment that does not adhere to the requirements set forth in this section and on your 
statement. For your payment to be considered on time, we must receive at least the 
Minimum Payment Due in such time and manner by the Payment Due Date shown on 
your billing statement. The available credit on your Account may not reflect your 
payment for up to fifteen (15) business days or longer if we doubt the collectability of 
the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will 
credit your payment to your Account as of the business day that we receive it 
(provided we receive it prior to 7:00 p.m. Eastern Time). 

You can pay through your Sable app or through your externally connected account via 
ACH as a one-time payment or by setting up automatic payments. Your payment 
must be made in U.S. dollars.  You agree not to send us checks. If you do, we have 
the right to return the check to the address it is received from and not credit the 
payment to your account. 

If your payment meets the above requirements, we will credit it to your Account as of 
the day we receive it, as long as we receive it by the time disclosed in your billing 
statement. 

We credit your payments in accordance with our payment instructions of applying to 
interest charges first and then to balances due.  Payments must be made in US 
dollars, do not send cash.  Payments in excess of the Minimum Payment Due are 
applied in accordance with law. This means that we will generally apply payments in 
excess of the Minimum Payment Due to older transactions first. Credits are applied at 
our discretion and you authorize us to apply payments in a way that is most favorable 
or convenient for us.  

INFORMATION ABOUT YOU 

Credit Reports And 
Account Information 

Customer Privacy 

You give us permission to request information from you and to make whatever 
inquiries we consider necessary and appropriate (including requesting a consumer 
report from consumer reporting agencies) in reviewing your account and for any lawful 
purpose, including any updates or extensions of credit, or reviewing or collecting your 
Account. Upon your request to us, we will inform you of the name and address of 
each consumer reporting agency from which we obtained a consumer report, if any, 
relating to you. We may also furnish information concerning your Account as well as 
information concerning you to consumer reporting agencies and to other proper 
parties. 

Our privacy policy (“Privacy Policy”) is provided separately in accordance with 
applicable law and can also be viewed online at www.sablecard.com.  Coastal 
Community Bank’s privacy policy is located here:  
https://www.coastalbank.com/privacy-notice.html. 

Address/Phone Change 

You represent that any phone number that you provide to us belongs to you and/or 
that you are authorized to provide that number.  You also agree to tell us right away if 
you change your address (mailing or email) or any phone number. 

Telephone Monitoring 

For quality control, you allow us to listen to and/or record telephone calls between you 
and us. 

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Emails 

!

You consent to us emailing you for any lawful purpose, including marketing if you 
have opted in. 

INFORMATION ABOUT YOUR ACCOUNT 

Unauthorized Use 

Notice Of Information 
Reporting 

Inaccurate Information 

Disputed Charges And 
Payments 

Events Of Default 

If your Card or device is lost, stolen or if your Account is used without your consent, 
call us immediately at 833-583-8383.  You will not be liable for unauthorized use on 
your Account, but you will be responsible for all use by anyone you allow to use your 
Account or device. 

We may report information about your Account to other creditors, other financial 
institutions and credit bureaus. Late payments, missed payments, returned payments, 
or other defaults on your Account may be reflected in your credit report. 

You have the right to dispute the accuracy of information we have reported to a credit 
bureau. If you think any information about your Account that we have reported is 
incorrect, please contact Sable by phone number or email shown on your statement. 
Include your name, address, telephone number and a brief description of the issue. If 
available, please include a copy of the credit report in question. We will research your 
issue and if we confirm that you are correct, we will contact the consumer reporting 
agency we reported to and request a correction. 

All written communications concerning disputed charges or payments made must be 
communicated to Sable by email at help@sablecard.com and include your name, 
address, account number, and description of the disputed charge or payment. Your 
communication must reach us within 60 days after the first bill with the error was 
communicated to you. We will reply within 30 days after receiving your dispute, unless 
the problem has been resolved. We will work to resolve your dispute within two billing 
cycles after sending the initial letter. 
"
After we finish our investigation one of two things will happen: 

1. 

2. 

If a mistake was made 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 any applicable interest and fees.  We will send you a 
statement of the amount you owe and the date payment Is due. 

The billing rights summary in this Agreement describes in further detail about what to 
do if you think there is a mistake on your bill.  

We do not give up any rights under this Agreement if we accept a payment marked 
“payment in full” or given with any other conditions or limitations. 

Subject to applicable law, we may consider your Account in default at any time if: (1) 
you fail to pay at least the Minimum Payment by the Payment Due Date; (2) you 
attempt to engage in a transaction over the Credit Limit; (3) you make a payment that 
is returned unpaid to us for any reason; (4) you breach any term under this 
Agreement; (5) we determine that any statement made by you to us in connection 
with this Agreement, your Card or your Account was false or misleading; (6) you 
breach any terms under any other agreement that you have with us or Sable or with 
any the affiliates of any of them; (7) you file for bankruptcy or some other insolvency 
proceeding is filed by or against you; (8) you are declared incompetent or mentally 
incapacitated, or in the event of your death; or (9) we have any reason to believe you 
may not be creditworthy. 

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Default Remedies 
Including Collection Costs 

Rules And Conduct 

Suspension / Revocation / 
Cancellation 

Closing Your Account 

Termination 

Upon your default and subject to any limitations or requirements of applicable law: (1) 
we may declare the entire amount you owe us immediately due and payable and/or 
suspend or cancel your Account privileges; and (2) you agree to pay all reasonable 
costs, including all court costs plus all reasonable attorneys’ fees if we must refer your 
Account for collection to any attorney who is not our employee. 

As a condition of use, you promise not to use Sables account or card(s) for any 
purpose that is unlawful or prohibited by this Cardholder Agreement, or any other 
purpose not reasonably intended by Sable. You agree to abide by all applicable local, 
state, national and international laws and regulations, and by the terms of any other 
agreements you may have with Sable. By providing us with any information, you 
represent and warrant that you have all necessary right, consent and authority to 
provide us with such information. You understand and agree that we shall have the 
sole right to decide whether you are in violation of any of the restrictions set forth in 
these Cardholder Agreement, and shall have sole discretion regarding the course of 
action to take in connection therewith. 

You shall not: (i) use this Services for any purpose that is unlawful; (ii) take any action 
that imposes or may impose (as determined by us in our sole discretion) an 
unreasonable or disproportionately large load on our (or our third party providers') 
infrastructure; (iii) interfere or attempt to interfere with the proper working of the 
Services or any activities conducted on the Services; (iv) bypass, circumvent or 
attempt to bypass or circumvent any measures we may use to prevent or restrict 
access to the Services (or other accounts, computer systems or networks connected 
to the Services); (v) run any form of auto-responder or "spam" on the Services; (vi) 
use manual or automated software, devices, or other processes to "crawl" or "spider" 
any page of the Services; (vii) harvest or scrape any Content from the Services; (viii) 
violate or infringe upon the rights of Sable or any other third party, including copyright, 
trademark, privacy, publicity or other personal or proprietary rights; (ix) engage in 
harassing, abusive, profane, or abusive conduct; or (x) otherwise take any action in 
violation of our guidelines and policies. 

If at any time you are in violation of these Terms of Use, we may in our sole discretion 
and without advance notice choose to suspend, terminate, or throttle your access to 
your Card, your Account or both. 

Subject to applicable law, we may suspend, revoke or cancel your Account privileges, 
your right to use the Card or deny any transaction, in our sole discretion at any time, 
with or without cause and with or without giving you notice. Any such actions on our 
part will not affect your obligation to pay us the outstanding balance and interest 
under the terms of this Agreement. We are not liable for any refusal to honor your 
Card or Account, or for the retention of your Card by any person or entity. If we revoke 
or cancel the Card, you must destroy or return the Card. You may not use a Card 
after it has expired or after it has been revoked or cancelled. You may cancel your 
Account at any time. We may require that you return your Card and that it be cut in 
half. Your cancellation of the Account will not affect your obligation to pay us the 
outstanding balance and interest under the terms of this Agreement. If you ask us to 
cancel your Account but we believe you have continued to use your Account after the 
date of cancellation, we will consider such use as your request for reinstatement of 
your Account and we may then reinstate your Account. 

You may close your Account at any time by sending an email to help@sablecard.com 
or calling us at 833-583-8383. If your Account is closed, you must stop using it.  You 
must still pay the full amount you owe and this Agreement will remain in effect until 
you do. 

We may terminate your access to your Card at any time, with or without cause, with or 
without notice, effective immediately, which may result in the forfeiture and destruction 
of some or all information associated with you to the extent permitted by applicable 
law. All provisions of these Cardholder Agreement which by their nature should 
survive termination shall survive termination, including, without limitation, ownership 
provisions, warranty disclaimers, indemnity and limitations of liability. 

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Inadvertent Overcharges 

It is not our intention to charge any interest charges or other amounts in excess of 
those permitted by applicable law or this Agreement. If any interest charge, fee or 
other amount is finally determined to be in excess of that permitted by applicable law 
or this Agreement, the excess amount will be credited to your Account or refunded to 
you. 

"

IMPORTANT INFORMATION ABOUT THIS AGREEMENT 

Severability 

Entire Agreement 

Waiver 

Indemnification 

Governing Law 

Headings And Tables 

Subject to the Arbitration Agreement: (1) if any part of this Agreement conflicts with 
applicable law, that law will control, and this Agreement will be considered changed to 
the extent necessary to comply with that law; and (2) if any part of this Agreement is 
determined by a court of competent jurisdiction to be invalid, the remainder of this 
Agreement will remain in effect. 

You acknowledge that this Agreement, as amended constitutes the entire agreement 
between you and us with respect to the Account and the Card, and supersedes and 
may not be contradicted by evidence of any prior or contemporaneous written or oral 
communication or understanding between you and us concerning the Account or the 
Card. If we offer or provide rewards in connection with the Account, the disclosures 
relating to such rewards are separate and not part of this Agreement. 

Our failure to exercise any of our rights under this Agreement, or our waiver of our 
rights on any one occasion shall not constitute a waiver of such rights on any other 
occasion. We will not lose our rights under this Agreement because we delay in 
enforcing any of them. 

You shall defend, indemnify, and hold harmless us, our affiliates, payment card 
networks and payment processors, and each of our and their respective employees, 
contractors, directors, suppliers and representatives from all liabilities, claims, and 
expenses, including reasonable attorneys’ fees, that arise from or relate to your use or 
misuse of, or access to, the Services or any Content, violation of this Cardholder 
Agreement, or infringement of any intellectual property or other right of any person or 
entity. We reserve the right to assume the exclusive defense and control of any matter 
otherwise subject to indemnification by you, in which event you will assist and 
cooperate with us in asserting any available defenses. 

Except as provided in the Arbitration Agreement below, this Agreement and your 
Account are governed by federal law and, to the extent state law applies, the laws of 
Washington State without regard to its conflicts of law principles. 

The section headings and table structure of this Agreement are inserted only for 
convenience and are in no way to be construed as substantive parts of this 
Agreement. 

E-SIGN Consent 

Consent to Electronic Communication 

We would like to communicate with you using electronic means. When you agree to the Terms and Conditions and 
click the “I Agree” button, this tells us: 

10 

 
 
 
 
 
 
 
 
 
 
•  You agree to receive any electronic communication from us for any purpose; 
•  You agree to receive an electronic version of any written notice or disclosures we must send you under law 

(“Legal Disclosures”); and 

•  You understand that to receive Legal Disclosures, you must meet the requirements in Section 2 below. 

When we send electronic communication, including a Legal Disclosure, it may come in the form of an update to our 
website or within our mobile app; as an email, text, or communication on social media; as a notification on mobile, 
tablet, or wearable devices; or through other electronic means. When you sign-up for an Account with Sable, we will 
request your mobile telephone number.  We request this information in order to send you security confirmation text 
messages and information about your Account and our Services.  By clicking or tapping the “I accept” button below 
you are telling Sable that you consent and agree to accept and receive communications from us, including via e-mail, 
text message, calls and push notification to the mobile telephone number you provide us.  As part of this consent, 
Sable, or someone on our behalf, may send you communications generated by automatic telephone dialing systems 
[and/or deliver pre-recorded messages] that includes (i) security confirmation messages; (ii) communications about 
your Account (such as transfers you requested or received), (iii) communications about use and updates to our 
Services, and (iv) other information concerning your Account and our Services.  Sable does not charge you when we 
communicate with you via text message, but your phone carrier will apply standard text messaging charges and data 
rates. 

Technology Requirements 

In order to receive electronic communications, including Legal Disclosures, you must have: 

iPhone versions iOS 10+ 
iPadOS 13.1 or Android 4.3+ 

•  A computer or mobile device with an internet connection. 
• 
• 
•  A web browser that includes 256-bit encryption, with cookies enabled. 
• 
•  A valid email address and mobile phone number. 
•  Sufficient storage space to save any Legal Disclosure or an installed printer to print them. 
•  We may change these requirements, but we will notify you promptly of any material changes. 

The ability to view and retain Portable Document Format (PDF) files. 

Resolving a Dispute with Arbitration 

PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY 
BE RESOLVED BY BINDING ARBITRATION AT EITHER PARTY’S REQUEST. UNLESS YOU REJECT IT WITHIN 
THIRTY (30) DAYS AFTER YOUR ACCOUNT IS OPENED, THE ARBITRATION AGREEMENT WILL HAVE A 
SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE. ARBITRATION REPLACES THE 
RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS 
ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR 
INSTEAD OF A JUDGE OR JURY. THIS PROVISION DOES NOT APPLY IF YOU ARE A “COVERED 
BORROWER” AS DEFINED IN THE MILITARY LENDING ACT, 10 U.S.C. § 987."
"
Agreement to Arbitrate: Maintaining good relationships with our customers is very important to us. We ask that you 
contact us immediately if you have a problem with your Account or a service we provide. Often a telephone call to us 
resolves the matter quickly and amicably. However, if you and we are unable to resolve our differences informally, 
you agree by opening or maintaining an Account with us, that if any dispute between you and us arises regardless of 
when it occurs, it will be settled using the following procedures: YOU AND WE AGREE AND UNDERSTAND THAT 
(1) YOU AND WE ARE GIVING UP THE RIGHT TO TRIAL BY JURY AND (2) THIS SECTION PRECLUDES YOU 
AND US FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION 
OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS. In addition, your agreement to arbitrate 
and waive trial by jury shall be applicable to parties acting on our behalf, including agents or independent contractors 
who collect your account on our behalf or purchase your account, and to parties acting on your behalf, such as your 
authorized users, heirs, or representatives. This Arbitration Agreement is governed by the Federal Arbitration Act 
(FAA), 9 U.S.C. §§ 1 et seq., and not by any state arbitration law. Except as set forth below, the parties agree to 
arbitrate any dispute or controversy concerning your Account or related products or services. Either party may 
request that the matter be submitted to arbitration."

11 

 
  
 
 
 
 
 
 
"
Commencing an Arbitration: The party electing arbitration must notify the other of such election. This notice may be 
given before or after a lawsuit has been filed concerning the Claim or with respect to other Claims brought later in the 
lawsuit, and it may be given by papers filed in the lawsuit such as a motion to compel arbitration. If you elect 
arbitration you must notify us in writing.  Your notice must be sent to Coastal Community Bank, Finance Department, 
5415 Evergreen Way, Everett, WA 98203 AND an email notification to Sable, help@sablecard.com. If we elect 
arbitration we will notify you in writing at your last known address on file."
"
Claim: A “Claim” is any unresolved claim, dispute or controversy between you and us, whether past, present or 
future, arising out of or related to this Agreement, your Account, products or services governed by this Agreement or 
the relationships resulting from this Agreement or your Account. “Claim” has the broadest possible meaning, and 
includes initial claims, counterclaims, cross claims and third-party claims. It includes disputes based upon contract, 
tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and 
equity (including any claim for injunctive or declaratory relief). Solely for purposes of this Arbitration Agreement, the 
terms “we,” “us” and “our” also include Sable and any person or entity named as a co-defendant with us in a Claim 
asserted by you. Notwithstanding the foregoing, individual actions brought in small claims court (or your state’s 
equivalent court) are not eligible for arbitration; however, if the action is transferred, removed, or appealed to a 
different court, it shall be eligible for arbitration at either party’s request."
"
Binding Arbitration: Binding arbitration is a means of having an independent third party (the arbitrator) resolve a 
dispute without using the court system, judges or juries. Either you or we can request binding arbitration. Each 
arbitration, including the selection of the arbitrator, shall be administered by the American Arbitration Association 
(AAA), according to the Consumer Arbitration Rules of the AAA. A single arbitrator shall be appointed. If you have a 
question about the AAA, you can contact them as follows: American Arbitration Association, 1633 Broadway 10th 
Floor, New York, NY 10019, 1-800-778-7879, www.adr.org. If the AAA is unable to serve as administrator and you 
and we cannot agree on a replacement, a court with jurisdiction will select the administrator or arbitrator, provided 
that no company may serve as administrator, without the consent of all parties, if it adopts or has in place any formal 
or informal policy that is inconsistent with and purports to override the terms of the Class Action Waiver in this 
Arbitration Agreement."
"
Powers and Qualifications of Arbitrators and Arbitration Procedures: Any arbitration hearing that you attend will 
take place in a location that is reasonably convenient for you. If you cannot obtain a waiver of the AAA’s or arbitrator’s 
filing, administrative, hearing and/or other fees, we will consider in good faith any request by you for us to bear such 
fees. Each party will bear the expense of its own attorneys, experts and witnesses, regardless of which party prevails, 
unless applicable law or this Agreement gives a right to recover any of those fees from the other party. The arbitrator 
shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and 
privilege rules that would apply in a court proceeding, and shall be authorized to award all remedies available in an 
individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory and punitive 
damages (which shall be governed by the constitutional standards applicable in judicial proceedings), declaratory, 
injunctive and other equitable relief, and attorneys’ fees and costs. Upon the timely request of either party, the 
arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator’s award will be final and 
binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the 
arbitrator’s award."
"
Class Action Waiver: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE 
ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING 
CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNT HOLDER."
"
The arbitrator shall have no authority to conduct any class, private attorney general or other representative 
proceeding, and shall award declaratory or injunctive relief only in favor of the party seeking relief and only to the 
extent necessary to provide relief warranted by that party’s individual claim. If a court determines that this paragraph 
is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the court’s 
determination shall be subject to appeal."
"
Rights Preserved: This Arbitration Agreement and the exercise of any of the rights you and we have under this 
Agreement, does not stop you or us from exercising any lawful rights either of us has to use other available remedies; 
to comply with legal process; to obtain provisional remedies such as injunctive relief, attachment or garnishment by a 
court of appropriate jurisdiction; or to bring an individual action in court that is limited to preventing the other party 
from using or obtaining any provisional or self-help remedies and that does not involve a request for damages or 

12 

monetary relief."
"
Enforcement: You or we may bring an action, including a summary or expedited motion, to compel arbitration of 
Claims subject to arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. 
Such action may be brought at any time, even if such claims are part of a lawsuit, unless a trial has begun or a final 
judgment has been entered. Any dispute concerning the validity or enforceability of this Arbitration Agreement must 
be decided by a court; any dispute concerning the validity or enforceability of the Agreement as a whole is for the 
arbitrator. Failure or forbearance to enforce this Arbitration Agreement at any particular time or in connection with any 
particular Claims will not constitute a waiver of any rights to require arbitration at a later time or in connection with any 
other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. If 
either you or we fail to submit to binding arbitration following a lawful demand, the party who fails to submit bears all 
costs and expenses incurred by the party compelling arbitration."
"
Survival and Severability of Terms: This Arbitration Agreement shall survive: (i) termination or changes in the 
Agreement, the Account, or the relationship between you and us concerning the Account; (ii) the bankruptcy of any 
party; and (iii) any transfer, sale or assignment of your Account, or any amounts owed on your Account, to any other 
person or entity. If any portion of this Arbitration Agreement (except for the Class Action Waiver set forth above) is 
deemed invalid or unenforceable, the remaining provisions of the Arbitration Agreement shall remain in force. No 
portion of this Arbitration Agreement may be amended or waived absent a written agreement between you and us."
"
RIGHT TO REJECT: You may reject this Arbitration Agreement by mailing a signed rejection notice to Sable, 
help@sablecard.com within thirty (30) calendar days after your Account is opened. Any rejection notice must include 
your name, address, email address, and telephone number."
"
This is the only manner you can reject this section. If you do that, only a court may be used to resolve any Claim. If 
you reject this Arbitration Agreement, that will not affect any other provision of the Agreement. 

Your Billing Rights 

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 Statement. 

If you think there is an error on your statement, please contact Sable by email at help@sablecard.com with 

the subject line “DISPUTE” or by phone at 833-583-8383.   

In your communication, give us the following information: 

• Account information: Your name and Sable e-mail address. 
• Transaction information: The dollar amount(s) of the suspected error and date(s) of the transaction(s) in question. 
• 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: 

• No later than sixty (60) days after we sent you the FIRST statement on which the error or problem appeared 
• At least three (3) business days before an automatic 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 Communication. 

When we receive your notice, we must do two things: 

1. Within thirty (30) days of receiving your notice, we must tell you that we received your notice. We will also tell you if 
we have already corrected the error. 

13 

 
 
 
 
 
 
 
 
 
 
 
 
 
2. Within ninety (90) days of receiving your notice, 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 ten (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: 

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; 
2. You must have used your credit card for the purchase; and 
3. You must not yet have fully paid for the purchase.  

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us by email at 
help@sablecard.com with the subject line “DISPUTE” or by phone at 833-583-8383.    

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our 
investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may report 
you as delinquent. 

Military Lending Act Disclosure 

Federal law provides important protections to members of the Armed Forces and their dependents relating to 
extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or 
her dependent may not exceed an annual percentage rate of thirty-six percent (36%).  This rate must include, as 
applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary 
products sold in connection with the credit transaction; any application fee charged (other than certain application 
fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation 
fees for a credit card account). Additionally, if you are a “covered borrower” as defined in the Military Lending Act, the 
provision in this Agreement called “Resolving a Dispute with Arbitration” will not apply to your Account. 

Additional State Notices 

14 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
All Accounts, including California and Utah Residents: As required by law, you are hereby notified that a negative 
credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms 
of your credit obligations. 

Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your 
marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely 
affects a creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the 
agreement, statement or decree or has actual knowledge of the adverse provision. 

Maryland Residents: You have the right under Section 12-510 of the Commercial Law Code to receive an answer to 
a written inquiry concerning the status of your Account. Finance charges will be imposed in amounts or at rates not in 
excess of those permitted by law. 

New Jersey Residents: Because certain provisions of this Note are subject to applicable laws, they may be void, 
unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or 
inapplicable in New Jersey. 

Missouri Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing 
repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (borrower) 
and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are 
contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we 
may later agree in writing to modify it. 

New Hampshire Residents: This Agreement provides for reasonable attorneys’ fees to be awarded to us in an 
action against you involving this Agreement. Reasonable attorney's fees will be awarded to you if you prevail in any 
action, suit or proceeding brought by us; or an action brought by you. If you successfully assert a partial defense or 
set-off, recoupment or counterclaim to an action brought by us the court may withhold from us the entire amount or 
such portion of the attorney fees as the court considers equitable. 

Terms and Conditions for Adding your Sable Card to a Digital Wallet 

By adding your Sable Card to a Digital Wallet, you accept and agree to the following: 

1. Adding your Sable Card  You can add an eligible Sable Card to a supported Digital Wallet by following the 

instructions of the Digital Wallet provider. During registration, you may be required to 
take additional steps to authenticate yourself before your Sable Card is added to a 
Digital Wallet, such as providing additional identifying or verifying information. When 
adding your card to a Digital Wallet, a Digital Wallet Provider may add a unique 
identifier different from your Card number (“Device Account Number”) to your Digital 
Wallet that enables you to make purchases through that Digital Wallet. 

If your Sable Card is not in good standing or your account is frozen for any reason, 
then your Sable Card will not be eligible to be added to any Digital Wallet and if 
already in a Digital Wallet, the card may be deactivated or removed. When you add a 
Sable Card to the Digital Wallet, you may use the Digital Wallet to transact with 
retailers who support that Digital Wallet. Note though, a Digital Wallet may not be 
accepted everywhere where your Sable Card is accepted. 

15 

 
 
 
 
 
 
 
 
 
 
 
 
2. Terms that Apply 

3. Third-Party Disputes 

4. Notifications 

5. Transaction History 

In addition to these Terms, you agree that when you use a Digital Wallet, you will 
remain subject to the terms and conditions of all your existing agreements with us, 
your mobile service carrier (e.g., AT&T, Sprint, T-Mobile, Verizon, etc.), and your 
Digital Wallet Provider (e.g., Apple, Google, Samsung, etc.). These Terms do not 
amend or supersede any of those agreements, including but not limited to, your Sable 
Credit Card Cardholder Agreement (“Cardholder Agreement”), disclosures agreed to 
as part of opening your Sable card (including, as applicable, the Privacy Policies and 
Truth in Lending Disclosure), and the Arbitration Agreement included in your 
Cardholder Agreement. 

Any applicable interest, fees, and charges that apply to your Sable Card or underlying 
account will also apply when you use a Digital Wallet to make purchases with your 
Sable Card. We currently do not charge any additional fees for adding your Sable 
Card to a Digital Wallet, but we reserve the right to impose a fee in the future. 

You understand that a Digital Wallet provider, or another third-party supporting a 
Digital Wallet provider, may however charge a fee or impose certain restrictions or 
limitations for using your Sable Card in a Digital Wallet. You agree that you are solely 
responsible for compliance with such agreements. 

You understand and agree that we are not a Digital Wallet provider and therefore, are 
not responsible for the products and services associated with a Digital Wallet. 
Accordingly, you agree to resolve any disputes directly with the Digital Wallet provider 
or third-party service provider (such as your mobile service carrier) without involving 
us. Such disputes may include, but are not limited to, payment failures caused by the 
Digital Wallet and errors or delays caused by the inability to use the Digital Wallet for 
a transaction. We are not responsible for the security, accuracy, legality, 
appropriateness or any other aspect of the content or function of the Digital Wallet or 
any third party’s products or services. 

You consent to us and/or the Digital Wallet provider sending you notifications through 
the Digital Wallet from time to time reflecting your Sable Card account activity and/or 
marketing messages. If you do not wish to receive notifications, you may turn them off 
through your device’s settings or by the procedures established by the Digital Wallet 
provider. 

The transaction history displayed in a Digital Wallet is for illustrative purposes only 
and may be preliminary and/or incomplete. You understand and agree the transaction 
amount that ultimately clears, settles, and posts to your Sable Card’s monthly 
statement serves as the final record, even if it does not match the details of the Digital 
Wallet provider’s transaction history. 

16 

 
 
6. Lost, Stolen or Illegal 
Use of your Eligible Device 
or Card 

7. Suspension/Removal of 
your Sable Card 

8. Authorization to Collect 
and Share Data 

9. Privacy 

10. Electronic 
Communications 

Some Digital Wallets can only be used with a compatible device determined by the 
Digital Wallet Provider for that Digital Wallet (“Eligible Device”). Devices modified 
contrary to the manufacturer’s software or hardware guidelines, including by disabling 
hardware or software controls—sometimes referred to as “jailbreaking”—are not 
Eligible Devices. You acknowledge that the use of a modified device to use your 
Sable Card in connection with a Digital Wallet is expressly prohibited, constitutes a 
violation of these Terms, and is grounds for us to deny you access to your Sable Card 
through a Digital Wallet(s). 

If you believe your Eligible Device or your credentials have been lost, stolen or 
otherwise compromised, or someone has used or may use your Eligible Device or 
your credentials without your authorization, you must call us immediately at the 
number on the back of your Sable Card. Additionally, please refer to and follow the 
instructions provided by the Digital Wallet provider. If you fail to notify us without 
delay, you may be liable for part or all the losses in connection with any unauthorized 
use of your Sable Card in connection with that Digital Wallet 

Due to the way a Digital Wallet operates, you may need to present your Eligible 
Device to a merchant when you return an item purchased using that Digital Wallet on 
such Eligible Device. So, for example, if you make a purchase using your Apple 
Wallet on your iPhone, the merchant may require you to have that same iPhone 
present to return the item. 

We reserve the right to discontinue offering or supporting Digital Wallet services at 
any time for any reason. Unauthorized use of a Digital Wallet, including, but not 
limited to, unauthorized entry into our systems, misuse of passwords or misuse of 
other information, is strictly prohibited and will result in suspension and/or termination 
of your use of a Digital Wallet. We reserve the right to block, restrict, suspend, or 
terminate your use of any Digital Wallet at any time without notice for any reason, 
including if you violate these Terms or any other agreements with us, except as 
otherwise required by applicable law. You agree that we will not be liable to you or 
any third party for any suspension, cancellation or termination of your use of a Digital 
Wallet. 

For instructions on how to remove your Sable Card from a Digital Wallet, contact the 
Digital Wallet provider. 

You agree that we may collect, transmit, store, and use technical, location, log in, or 
other information about you or your use of your Sable Card through a Digital Wallet. 
You also acknowledge that we may share certain details of your Sable Card Digital 
Wallet transactions with the Digital Wallet provider, merchants, a payment network, 
and others in order to provide the services you have requested, to make information 
available to you about your Sable Card transactions, and to improve our ability to offer 
these services. This information helps us to add your Sable Card to the Digital Wallet 
and to maintain the Digital Wallet services. 

We do not control the privacy and security of your information that may be held by the 
Digital Wallet provider. You acknowledge that the use and disclosure of any personal 
information provided by you directly to a Digital Wallet provider, payment network, or 
other third parties supporting that Digital Wallet, will be governed by such party’s 
privacy policy and not the Sable Card General Privacy Policy.   

You agree to receive electronic communications and disclosures, including 
automatically dialed calls or text messages, from us on your devices at the number 
you provide. You also agree that we can contact you by email at any email address 
you provide to us in connection with any Sable product, service or account, or through 
the mobile device on which you have downloaded the Sable Mobile app. It may 
include contact from companies working on our behalf to service your accounts. You 
agree to update your contact information with us when it changes. If at any time you 
revoke this consent, we may suspend or cancel your ability to use your Sable Card in 
connection with a Digital Wallet.    

17 

 
 
 
11. Paper Versions 

If you would like a paper copy of any Legal Disclosure we provide you, please contact 
us at help@sablecard.com. and we will mail one to you at no cost. 

12. Merchant Relationships 
and Disclaimers 

13. Ending or Changing 
these Terms; Assignments 

14. Governing Law 

15. Indemnification 

16. Limitation of Liability: 
No Warranties 

17. Questions 

Merchants may offer you certain discounts, rebates or other benefits (e.g. free 
shipping) (“Offers”) in a Digital Wallet. Such Offers are subject to certain terms and 
conditions and may change at any time without notice to you. We will not be liable for 
any loss or damage as a result of any interaction between you and a merchant with 
respect to such Offers. Subject to applicable law and your Cardholder Agreement, all 
matters, including delivery of goods and services, returns, and warranties, are solely 
between you and the applicable merchants. You acknowledge that we do not endorse 
or warrant the merchants that are accessible through a Digital Wallet or the Offers 
they provide. 

We can add to, delete portions of, or terminate these Terms at any time without notice 
to you, except where required by law. Your use of a Sable Card in a Digital Wallet 
after we have made such changes available will be considered your agreement to the 
changes. Furthermore, subject to applicable law, at any time we may (i) terminate 
your use of any Sable Card in connection with a Digital Wallet, (ii) modify or suspend 
the type or dollar amounts of transactions allowed using Sable Cards in connection 
with a Digital Wallet, (iii) change the Sable Card’s eligibility for use with a Digital 
Wallet and/or (iv) change the Sable Card authentication process. You cannot change 
these terms, but you can terminate these Terms at any time by removing your Sable 
Card from any Digital Wallets. You may not assign these Terms. 

These Terms are governed by federal law and, to the extent that state law applies, the 
laws of the State of Washington without regard to its conflicts of law provisions. 
Disputes arising out of or relating to these Terms will be subject to the Arbitration 
Agreement in your Cardholder Agreement. 

You agree to indemnify and hold us, our licensors, sponsors, agencies, subsidiaries, 
affiliates, officers and employees, harmless from any claim or demand, including 
reasonable attorneys’ fees, made by any third party due to or arising out of (i) your 
use of a Digital Wallet service or (ii) any breach of the terms and conditions set forth 
in these Terms by you or other users of your Sable Card or Digital Wallet credentials. 
You must use your best efforts to cooperate with us in the prosecution or defense of 
any such claim. We reserve the right to employ counsel of our choice to defend and 
control any such matter subject to indemnification by you. You have the right, at your 
own expense, to employ separate counsel to participate in such matter on a non-
controlling basis. 

As provided in the Cardholder Agreement, you are responsible for all uses of your 
Sable Card account by third-parties you gave access to, including if these third-parties 
misuse your Sable Card or any Digital Wallet services. 

WE ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY 
OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR 
CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR 
RELATED TO YOUR ADDING YOUR SABLE CARD TO A DIGITAL WALLET, OR 
YOUR ACCESS OR USE OF A DIGITAL WALLET. TO THE FULLEST EXTENT 
PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES 
AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR 
OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF 
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND 
NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL DIGITAL 
WALLETS AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT 
INCLUDED IN OR ACCESSIBLE FROM THE DIGITAL WALLETS. 

If you have any questions, disputes, or complaints about the Digital Wallet, contact 
the Digital Wallet provider using the information given to you by the provider. If your 
question, dispute, or complaint is about your Sable Card, then contact Sable Card 
support by emailing help@sablecard.comor calling the number on the back for your 
card. 

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Security Agreement 

This is the Security Agreement for your Sable Secured Credit Card Account ("Account"). The words "you," your," and 
"yours" mean you and any other person(s) who are contractually liable under the Cardmember Agreement governing 
the Account. The words "our," "us," and "we" mean Sable and Coastal Community Bank. "Business days" are 
Monday through Friday, excluding Federal Reserve Bank holidays. 

1. Security Deposit 
Account 

2. Withdrawals 

In consideration of and as a condition to our opening the Account for you and other 
good and valuable consideration, you are providing funds from an account in your 
name to serve as security for your Account ("Funds"). We will hold these Funds in an 
account ("Security Deposit Account") under our exclusive control. You must maintain 
this Security Deposit Account as security for the Account, and you grant us a security 
interest in the Security Deposit Account. This Security Deposit Account will include 
any and all future extensions, renewals, or replacements of the Security Deposit 
Account. No portion of the Security Deposit Account may be used to secure other 
loans. The minimum amount required to be deposited is the amount of your initial 
Account credit line but will not be less than $10.00. You may make a transfer to the 
Security Deposit Account solely for purposes of funding your required security 
deposit. The Security Deposit Account will be solely owned by you. Funds in Coastal 
Bank Security Deposit Accounts are insured by the Federal Deposit Insurance 
Corporation ("FDIC") up to the maximum allowable limits. For more detailed 
information on FDIC coverage, contact the FDIC directly at 1-877-ASKFDIC (1-877-
275-3342), (TDD: 1-800-925-4618) or visit www.fdic.gov. Coastal Community Bank 
will maintain separate records to account for your Funds. 

You will not be permitted to make withdrawals from the Security Deposit Account (See 
Section 7 below for terms and conditions regarding return of the Funds and closure of 
your Account.) 

3. Additional Funds 

Other than depositing Funds to secure your Account, you will not be permitted to 
make deposits to the Security Deposit Account. 

4. Security Deposit 
Account Statements 

You will get a monthly Security Deposit Account statement as part of your Account 
statement. 

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5. Electronic Fund 
Transfers to or from your 
Security Deposit Account 

6. Pledge and Grant of 
Security Interest 

7. Interest on Funds 

8. Application of Funds to 
the Account 

You may fund your Security Deposit Account with an electronic fund transfer 
("Transfer"). If we do not complete a Transfer to your Security Deposit Account on 
time or in the correct amount according to our agreement with you, we will be liable 
for your losses or damages. However, we will not be liable if circumstances beyond 
our control (such as fire or flood) prevent the transfer, despite reasonable precautions 
that we have taken. In case of errors or questions about your funding Transfers call us 
at 833-583-8383 or email us at help@sablecard.com 
as soon as you can, if you think your statement is wrong or if you need more 
information about a funding Transfer listed on the statement. We must hear from you 
no later than 60 days after we sent the FIRST statement on which the problem or 
error appeared. (1) Tell us your name and Account number. (2) Describe the error or 
the Transfer you are unsure about and explain as clearly as you can why you believe 
it is an error or why you need more information. (3) Tell us the dollar amount of the 
suspected error. If you tell us orally, we may require that you send us your complaint 
or question in writing within 10 business days. We will determine whether an error 
occurred within 10 business days after we hear from you and will correct any error 
promptly. If we need more time, however, we may take up to 45 days to investigate 
your complaint or question. If we decide to do this, we will credit your Security Deposit 
Account within 10 business days for the amount you think is in error (if applicable), 
during the time it takes us to complete our investigation. If we ask you to put your 
complaint or question in writing and we do not receive it within 10 business days, we 
may not credit your Security Deposit Account (if applicable). For errors involving a 
new Security Deposit Account, we may take up to 90 days to investigate your 
complaint or question. For a new Security Deposit Account, we may take up to 20 
business days to credit your Security Deposit Account (if applicable) for the amount 
you think is in error. We will tell you the results within three business days after 
completing. 

You understand that granting us a security interest in the Security Deposit Account 
and the Funds is a necessary condition for opening your Account. As security for the 
prompt payment and performance of all your obligations to us arising pursuant to the 
Account ("Obligations"), you hereby grant a security interest to us in all of your right, 
title, and interest in the Security Deposit Account and any and all Funds, including all 
proceeds of and additions to the Security Deposit Account and the Funds. We may 
increase or decrease your Account credit line and no such action shall change the 
fact that the Security Deposit Account and the Funds are held by us as security for the 
Obligations. You represent that there are no current lawsuits or bankruptcy 
proceedings that might affect our interest in the Security Deposit Account or the 
Funds. You have not and will not attempt to transfer or offer any interest in the 
Security Deposit Account or the Funds to any person other than us. You and we 
acknowledge that subject to our possession of and security interest in the Security 
Deposit Account and the Funds, you retain beneficial ownership of the Security 
Deposit Account and the Funds for FDIC insurance purposes. 

No interest will be paid on the Funds. If we do pay interest in the future, we will add it 
to the Security Deposit Account 

If you are in default under the Cardmember Agreement or the Account is closed for 
any reason, you authorize us at any time(s) to withdraw all or any portion of the Funds 
from the Security Deposit Account and apply them to reduce your Obligations. You 
will continue to be responsible for making payments as required under the 
Cardmember Agreement and for repaying any outstanding Obligations. Our rights 
under this Security Agreement are in addition to any others we have under applicable 
law. We may make settlements or compromises on the Security Deposit Account, 
transfer the Security Deposit Account to our name, or exercise ownership rights on 
the Security Deposit Account. We are not required to notify you of any of the above. 

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9. Return of Funds 

10. Confidentiality 

11. Legal Proceedings 

12. Miscellaneous 

If we determine that you qualify for return of any Funds from the Security Deposit 
Account, we will return these Funds to you by a method we deem sufficient. If your 
Account is closed, we will return any excess Funds that remain in the Security Deposit 
Account after repayment of all Obligations. We generally return these excess Funds 
within ten days after the end of the second billing period following the time that Funds 
are initially applied to reduce your Obligations. If we mail a check to you, we will mail it 
to your mailing address on file with us for the Security Deposit and Card Accounts. In 
the event of your death, we will not release Funds on deposit unless all Obligations 
have been repaid and all legal documents we require are delivered to us. 

We will disclose information to third parties about your Security Deposit Account or 
any transfers you make: (a) where it is necessary for completing a transfer, or (b) in 
order to verify the existence and condition of your Security Deposit Account for a third 
party, or (c) in order to comply with government agency or court orders, or (d) if you 
give us your written permission, or (e) as permitted by the privacy notice we have 
provided to you. 

We may comply with any writ of attachment, adverse claim, garnishment, tax levy, 
restraining order, subpoena, warrant, or other legal proceeding involving your Security 
Deposit Account which we believe to be valid. If your Account, your Security Deposit 
Account, or your Funds become involved or are likely to become involved in a legal 
proceeding, you understand that the entire balance of your Funds in the Security 
Deposit Account may be restricted until the matter has been resolved. Such 
proceedings are subject to our security interest. We shall be entitled to rely upon the 
representations, warranties, and statements made in such legal proceedings. You 
agree to hold harmless and indemnify us for any losses, expenses and costs, 
including reasonable attorneys' fees, incurred by us as a result of complying with such 
legal proceedings. In addition to the events of default set forth in the Cardmember 
Agreement, you will be in default under the Cardmember Agreement if we are served 
or become involved with a legal proceeding regarding the Funds or Security Deposit 
Account. 

This Security Agreement and our security interest and rights as pledge hereunder are 
governed by Washington State law. We may, in our sole discretion, assign the 
Security Deposit Account and our rights and obligations under this Security 
Agreement. If we use an attorney to defend or enforce our rights under this Security 
Agreement or to perform any legal services in connection with this Security 
Agreement, we may charge you our legal costs as permitted by law. This Security 
Agreement supplements the Cardmember Agreement. The other terms of the 
Cardmember Agreement apply to this Security Agreement, and as such disputes 
regarding the terms of this Security Agreement are subject to Arbitration as set forth in 
the Cardmember Agreement. The terms of this Security Agreement shall survive and 
continue to apply to the Security Deposit Account following closure of the Account or 
the Security Deposit Account, and shall be binding on you even if you cancel your 
Account or do not accept the Cardmember Agreement as permitted in the 
Cardmember Agreement. If any part of the Security Agreement is invalid, the rest of 
the Security Agreement will remain in effect. 

The Sable Card is issued by Coastal Community Bank, Member FDIC. 

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