Secured	Credit	Card	Agreement 	
           	
           Interest	Rate s 	 and	Interest	Charges 	 	
           Annual	Percentage	Rate	(APR) 	
                                 19.99% 	
           for	Purchases 	
           APR	for	Cash	Advances 	 19.99% 	
           Paying	Interest 	     Your	due	date	is	at	least	 25 	 days	after	the	close	of	each	billing	cycle.		
                                 We	will	not	charge	you	any	interest	on	purchase s	if	you	pay	your	
                                 entire	balance	by	the	due	date	each	month.		We	will	begin	charging	
                                 interest	on	cash	advances	on	the	transaction	date.	 	
           Minimum	Interest	Charge 	 If	you	are	charged	interest,	the	charge	will	be	no	less	than	 $1.00. 	
           For	Credit	Card	Tips	from 	 the 	 To	learn	more	about	factors	to	consider	when	applying	for	or	using	
           Consumer	Financial	Protection	 	 a	credit	card,	visit	the	website	of	the	Consumer	Financial	
           Bureau 	              Protection	Bureau	at	http://www.consumerfinance.gov/learnmore 	
           Fees 	
           Annual	Fee 	          NOT ICE:	 The	Annual	Fee 	 will	be	assessed	before	you	begin	using	
           	                     your	card	and	will	reduce	the	amount	of	credit	you	initially	have	
           	                     available.	 	 If	you	are	assigned	the	minimum 	 credit	limit	of	$200,	 your	
           	                     initial	ava ilable	credit	will	be	only	about	$161 . 	
           	                     $39.00 	
           T ransaction	Fees 	   	
                                 	
             �   Cash	Advance 	  Either	 $10 	 or	 3% 	 of	the	amount	of	each	cash	advance,	whichever	is	
                	                greater. 	
                	                	
             �   Foreign	Transaction 	 3% 	 of	each	transaction	in	U.S.	dollars. 	
                                 	
           Penalty	Fees 	        	
                                 	
             �   Late	Payment 	  Up	to	 $27 	
                	                	
             �   Over - the - Credit	Limit 	 None 	
           	                     	
             �   Returned	Payment 	 Up	to	 $27 	
           How	We	Will	Calculate	Your	Balance. 		 We	use	a	method	called	�average	daily	balan ce	(including	new	
           purchases).�		 See	your	Cardholder	Agreement	for	more	details. 	
           Billing	Rights. 		 Information	on	your	rights	to	dispute	transactions	and	how	to	exerc ise	those	rights	 is 	
           provided	in	your	Cardholder	Agreement . 	
                                  Secured	Credit	Car d	 Agreement 	
           SECURED	CREDIT	CARD	ACCOUNT.		Your	Credit	Account	is	secured	by	a	deposit	account	that	you	 were 	
           required	to	establish	and	maintain	in	order	to	have	the	Credit	Account	(referred	to	as	the	Collateral 	
           Account).		If	you	fail	to	make	your	required	payments	on	your	Credit	Account	or	otherwise	fail 	 to	
           comply	with	the	terms	of	this 	 Cardholder	Agreement,	you	could	lose	all	funds	in	your	Collateral	
           Account. 		 You	were	provided	the	Collateral	Account	Agreement	 when	you	applied	for	the	Credit	
           Account.		 That	Collateral	Account	Agreement	includes,	among	other	important	provisions,	information	
           on	the	security	interest	you	have	granted	 to	the	Bank	in	your	Collateral	Account 	 and	the	Bank�s	rights	
           against	all	funds	in	 that	Collateral	Account	in	the	event	of	your	Default	under	this	Cardholder	
           Agreement . 	
           More	Information	A bout	Penalty	Fees. 		 If	your	total	Minimum	Payment	Due	is	not	received	by	your	
           Payment	Due	Date,	a	Late	Payment	Fee	of	$27	will	be	assessed.	However,	the 	 Late	Payment	Fee	will	
           never 	 exceed	the	total	minimum	payment	that	was	due	and	we	will	waive	your	first	Late	Payment	Fee.		
           We	also	will	waive	your	first	Returned	Payment	Fee,	and	the 	 Returned	Payment	Fee	will	 never 	 exceed	
           the	total	minimum	payment	that	was 	 due. 	
           This	 Credit	 Account 	 and	the	Collateral	Account	Are 	 Only	Available	Electronically. 		 This	 Credit	Account	
           and	the	Collateral	Account	are 	 only	available	electronically.		 By	applying	for	the	Credit	Account	and	
           Collateral	Account	you	agreed	to	receive 	 all	 disclosures	electronically.		See	 Consent	to	Electronic	
           Disclosures 	 in	your	Cardholder	Agreement	and	your	Collateral	Account	Agreement .		If	you	do	not	have	
           the	systems	needed	to	receive	disclosures	electron ically,	we	cannot	provide	this	 Credit	 Account	or	th e	
           Collateral	Account	to	you. 	
           Negative	C redit	Reports. 		 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. 	
                           MILITAR Y	ANNUAL	PERCENTAGE	RATE	DISCLOSURE 	
           Federal	law	provides	important	protections	to	active	duty	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	Force s	and	his	or	her	dependent	may	not	exceed	an	annual	percentage	rate	of	36	
           percent.	This	rate	must	include,	as	applicable	to	the	credit	transaction	or	account:	The	costs	associated	
           with	credit	insurance	premiums;	fees	for	ancillary	products	sold	in	connecti on	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).		 To	hear	t hese	disclosures	over	the	telephone,	call	the	following	toll - free	number 	
           1 - 844 - 341 - 7800. 	
           	
                          YOUR 	 CREDIT 	 CARD 	 AGREEMENT 	 WITH 	 US 	
           	
           NOTICE:	THIS	AGREEMENT	REQUIRES	ALL	DISPUTES	TO	BE	RESOLVED	BY	WAY	OF	BINDING	
           ARBITRATION.	THE	TERMS	OF	THE	ARBITRATION	CLAUSE	APP EAR	AT	THE	END	OF	THIS	AGREEMENT. 	
           This	Secured	Credit	Card	Agreement	( �Cardholder	Agreement� )	is	your	agreement	with	us	for	your	
           Credit	Account.		For	all	purposes	in	this	 Card holder 	 Agreement	the	terms	 �you� 	 and	 �your� 	 refer	to	you,	
           the	person	who	applied	 for	and	received	this	 Credit	Account ;	the	terms	 �we,�	�us,�	�our� 	 and	the 	
           �Bank� 	 refer	to	Green	Dot	Bank ,	who	is	the	issuer	of	your	Credit	Account.		Other	defined	terms	used	in	
           this	Cardholder	Agreement: 	
                                  Secured	Credit	Car d	 Agreement 	
             �   �Account�	 and	 � Credit	Account� 	 means	the	VISA	credit 	 card	account	that	is	opened	for	you	and	
                that	is	 subject	to	the	terms	of	this	Cardholder	Agreement. 	
             �   �Approved	Credit	Limit� 	 has	the	meaning	 given	in	 Section	4 	 of	 this	Cardholder	Agreement. 	
             �   �Available	Credit� 	 is	the	amount	of	credit	you	may	use	without	exce eding	your	Credit	Limit.		
                Subject	to	 Section	9 	 of	 this	Cardholder	Agreement,	your 	 Available	Credit	will	be	equal	to	the	
                amount	of	your	Credit	Limit,	 minus	the	sum	of	(a) 	 your	New	Balance,	plus	(b) 	 any	Purchases	and	
                Cash	Advances	that	we	have	authorized	but 	 that	have	not	yet	posted	to	your	 Credit	Account ,	
                plus	(c) 	 any	payments	that	have	not	yet	cleared	as	of	the	closing	date	of	your	Billing	Cycle.		As	
                provided	in	this	Cardholder	Agreement,	your	Available	Credit	will	change	from	time	to	time	
                based	on	changes	 in	your	Credit	Limit,	your	use	of	the	Account	for	Purchases	and	Cash	
                Advances,	and	as	you	make	payments	on	your	Credit	Account. 	
             �   �Billing	Cycle� 	 means 	 the 	 interval	between	billing	statements.	Each	billing	statement	shows	a	
                closing	date.	The	statement	closin g	date	is	the	last	day	of	the	Billing	Cycle	for	that	billing	
                statement. 	
             �   �Business	Day� 	 means	every	day	except	Saturdays,	Sundays	and	federal	holidays. 	
             �   �Card� 	 means	the	 credit	card	issued	to	you	for	your	Credit	Account. 	
             �   �Cash	Advance� 	 means	credit	you	obtai n	on	your	Credit	Account	in	any	of	the	following	ways: 	
                (a) 	 by	presenting	the	Card	(or	any	credit	device	we	supply	to	you)	to	any	participating	VISA	
                financial	institution	to	obtain	cash,	or 	 (b) 	 by	using	the	Card	at	an	Automated	Teller	Machine	
                (�ATM�)	or	oth er	device	available	for	this	purpose	to	obtain	cash. 	
             �   �Cash	Credit	Limit� 	 means	the	dollar	limit	of	Cash	Advances	that	you	may	have	outstanding	on	
                your	Credit	Account	at	any	time. 	
             �   �Collateral	Account� 	 has	the	meaning	 given	in	 Section	1 	 of	this	Cardholder	Ag reement,	and	is	
                the	deposit	account	you	 have	with	us	that	secures	your	d ebt	under	this	Cardholder	Agreement. 	
             �   �Debt� 	 has 	 the	meaning	given	in	Section	13 	 of	this	Cardholder	Agreement. 	
             �   �Default� 	 has 	 the	meaning	given	in	Section	13 	 of	this	Cardholder	 Agreement . 	
             �   �New	Balance� 	 means	the	total	outstanding	balance	in	your	Credit	Account	at	the	end	of	any	
                Billing	Cycle,	as	shown	on	your	 billing	s tatement.		 To	determine	the	New	Balance,	we	begin	with	
                the	outstanding	balance	on	your	 Credit	 Account	at	the	beginning	of	 each	Billing	Cycle,	called	 the	
                �Previous	Balance�	on	your	billing	s tatement.	We	subtract	any	payments	and	credits	we	receive.	
                We	then	add	any	Purchases ,	Cash	Advances 	 and	other	charges	posted	to	your	 Credit	 Account	
                since	the	end	of	the	previous	Billing	Cyc le.	We	then	add	the	appropriate	Interest	Charges	and	
                fees	and	make 	 other	applicable	adjustments. 	
             �   �Participating	Retailer� 	 means	 those	retail	merchants	that	will,	 subject	to	 you	 paying	a	service	
                fee 	 to	the	retail	merchant ,	either	 (a) 	 accept	 cash	 from	you	 to 	 fund	your	Collateral	Account	or	
                (b) 	 accept 	 cash	 from	you	 to	make	payments	on	your	Credit	Account. 		 You	can	 view	a	list	of	
                Participating	Retailers 	 at 	 www.attheregister.com . 	
             �   �PIN� 	 means	a	personal	identification 	 number	assigned	to	your	Credit	Account. 	
             �   �Purchase� 	 means	your	purchase	of	goods	or	services	with	the	use	of	a	Card	or	Credit	Account	
                number	(including,	without	limit,	Purchases	made	in	person,	on	the	Internet,	through	mail	
                order,	or	over	the	telephone).		 Tax	payments	made	with	your	Credit	Account	(including	any	fees	
                charged	by	a	tax	agency)	are	Purchases. 	
           1. 	 Secured	Credit	Card	Account .		Your	Credit	Account	is	secured	by	a	deposit	account	that	you	
           we re	required	to	establish	and	maintain	in	order	to	have	th e	Credit	Account	(referred	 to	as	
           the 	 � Collateral	Account � ).		If	you	fail	to	make	your	required	payments	on	your	Credit	Account	or	
           otherwise	fail	to	comply	with	the	terms	of	the	Cardholder	Agreement,	you	could	lose	all	funds	in	your	
                                  Secured	Credit	Car d	 Agreement 	
           Collateral	Account. 		 You 	 were	provided	the	Collateral	Account	Agreement	when	you	applied	for	the	
           Credit	Account.		 That	Collateral	Account	Agreement	includes,	among	other	important	provisions,	
           information	on	the	security	interest	you	have	granted	 to	the	Bank	in	your	Collateral	Acc ount 	 and	the	
           Bank�s	rights	against	all	funds	in	that	Collateral	Account	in	the	event	of	your	Default	under	this	
           Cardholder	Agreement . 	
           2. 	 Agreement	to	Terms . 	 	 By	applying	for	a	 Credit	 Account,	signing	the	Card	or	otherwise	using	or	
           consenting	to	the	use	of	 the	 Credit	 Account,	you	agree	to	the	terms	and	conditions	of	this	Cardholder	
           Agreement	and	that	this	Cardholder	Agreement	will	govern	your	 Credit	 Account,	the	use	of	your	Card,	
           and	all	credit	extended	under	this	Cardholder	Agreement.		You	also	agree	that	y our	use	of	your	 Credit	
           Account,	whether	by	use	of	your	Card	or	otherwise,	will	constitute	your	acceptance	of,	and	will	be	
           subject	to,	this	Cardholder	Agreement. 		 Your	Credit	Account	will	not	be	opened	until	we	have	received	
           your	deposit	to	your	Collateral	 Account,	in	an	amount	of	at	least	$200,	as	described	below	in	
           � Establish ing	Your	Approved	Credit	Limit	a nd	Initial	Credit	Limits .� 	
           3. 	 Using	Your	Credit	Account . 	
           ( a)		 Available	Transactions.		 Subject	to	your	total	 Credit	Limit	and	Cash	Credit	Limit 	 (see	 Sec tions	 4	
           through	8 	 below) ,	y ou	may 	 use	your	 Card	 and	your	 Credit	 Account	to	make	 Purchases	and	obtain	Cash	
           Advances	so	long	as	you	are	not	in	 D efault	of	this	Cardholder	Agreement.		You	may	not	obtain	balance	
           transfers	from	your	 Credit	Account .		 You	may	make 	 Purchases	as	described	in	the	definition	of	Purchase,	
           above.		You	may	obtain	Cash	Advances	in	the	ways	described	in	the	definition	of	Cash	Advance,	above	
           but	subject	to	the	amount	and	frequency	limits	stated	below	in	this	Section	3.	When	you	receive	your	
           Card,	a	PIN	may	be	assigned	to	you.		If	a	PIN	is	assigned	to	you,	you	can	obtain	a	Cash	Advance	at	any	
           authorized	ATM	by	using	your	Card	and	PIN. 	
           (b)		 Limitations	on	Using	Your	Credit	Account. 		 You	agree	to	use	your	 Credit	 Account	only	for	personal,	
           family ,	or	household	purposes.		You	also	promise	that	 your	 Credit	 Account	will	be	not	be	used	 for	
           purposes	that	are	illegal	under	state	 or 	 federal	law,	including	without	limit	illegal	gambling	activity.		We	
           reserve	the	right	to	deny	transactions	or	authorization s	from	merchants	that	appear	to	be	engaged	in	
           illegal	activities.		We	are	not	responsible	if	anyone	does	not	allow	you	to	use	your	 Credit	 Account	o r	
           refuses	to	accept	your	 Card.		We	may	decli ne	any	transaction	at	any	time. 	
           (c)		 Additional	Limits	on	Cash	Ad vances. 		 In	addition	to	the	limits	on	Cash	Advances	based	on	your	Cash	
           Credit	Limit	(see	Section	8,	below),	Cash	Advances	will	be	limited	by	frequency	and	amount	as	follows: 	
                (i)   No	more	than	two	Cash	Advance	transactions	per	day 	
                (ii)   Maximum	Cash	Advance	limit	equa l	to	one - half	of	your	Cash	Credit	Limit	for	any	single	
           transaction 	
           4. 	 Establish ing	Your	Approved	Credit	Limit	a nd	Initial	Credit	Limits . 		 When	you	apply	for	a	Credit	
           Account,	we	will,	if	we	approve	your	application,	establish	an	Approved	Credit	Limit	for	y ou.		This	
           Approved	Credit	Limit	will	be	based	on	our	assessment,	in	our	sole	judgment,	of	your	ability	to	repay	the	
           full	amount	of	your	Approved	Credit	Limit. 	
           Your	Approved	Credit	Limit	might	not	be	the	same	as	your	actual	Credit	Limit.		That	is	because	th e	
           Approved	Credit	Limit	is	conditioned	on	you	making	a	deposit	to	your	Collateral	Account	in	an	amount	
           no	less	than	the	Approved	Credit	Limit.		If	your	deposit	to	your	Collateral	Account	is	for	less	than	the	
           amount	of	your	Approved	Credit	Limit,	your	actua l	Credit	Limit	will	be	limited	to	the	amount	of	your	
                                  Secured	Credit	Car d	 Agreement 	
           deposit.		Your	deposit	also	cannot	be	any	less	than	$200.		If	you	then	make	additional	deposits	to	your	
           Collateral	Account	 (see	 your	Collateral	Account	Agreement	for	information	on	adding	funds	to	your	
           C ollateral	Account)	we	usually	will 	 i ncrease	your	Credit	Limit	up	to	the	lesser	of	your	Approved	Credit	
           Limit	or	the	balance	of	your	Collateral	Account.		However,	if	we	determine	at	the	time	of	your	additional	
           deposit	to	your	Collateral	Account	that	you	mig ht	not	have	the	ability	to	repay	the	full	amount	of	your	
           Approved	Credit,	we	will	increase	your	Credit	Limit	only	to	the	extent	that	we	are	satisfied	with	your	
           ability	to	repay. 	
           5. 	 Amount	o f	Your	Credit	Limit	a nd	Cash	Credit	Limits . 		 Your	initial	total	Cre dit	Limit	will	be	equal	
           to	the	lesser	of	your	Approved	Credit	Limit	or	the	amount	you	deposit	to	your	Collateral	Account,	
           subject	to	a	minimum	deposit	requirement	of	$200.		Your	Cash	Credit	Limit	will	be	equal	to	one - half	of	
           your	total	Credit	Limit. 	
           6. 	 Not ifying	You	o f	Your	Credit	Limits . 		 If	we	approve	your	application,	the	Approved	Credit	Limit	
           for	your	Credit	Account	will	be	disclosed	to	you	both	at	the	time	of	approval	and	when	we	send	you	your	
           Card.		Your	actual	Credit	Limit	will	depend	on	the	 amount	y ou	deposit	 to	your	Collateral	Account	
           (see 	 � Establishing	Your	Approved	Credit	Limit	and	Initial	Credit	Limits �	 in	Section	4,	 above ).		We	will	
           notify	you	of	any	chang e	in	your	Credit	Limit	 and	Cash	Credit	Limit	 as	may	be	required	by	law.		Changes	
           to	your	Cr edit	Limit	 or	Cash	Credit	Limit	 may	take	effect	before	 you	receive	such	notice.		Your	billing	
           s tatement	for	 your	Credit	Account 	 will	disclose	your	Credit	Limit	and	the	amount	of	 your	Available	Credit	
           as	of 	 the	closing	date	of	your	Billing	Cycle. 	
           7 . 	 Future	 Credit	Limit	Changes . 		 We	may	increase	or	decrease	your	total	Credit	Limit	and	Cash	
           Credit	Limit	in	our	discretion.		 Increasing	the	funds	in	your	Collateral	Account	will	not	necessarily	result	
           in	an	increase	in	your	Credit	Limits . 		 However,	 the	balance	of	 your	Collateral	Account	is	one	factor	we	
           will	consider	when	making	your	Credit	Limit	decisions. 	
           8. 	 Your	Credit	Limit	Obligations . 		 Your	Credit	Limit	after	opening	your 	 Credit 	 Account	will	appear	
           on	your	billing	statements.		Your	available	Cash	Advance	cred it	 is 	 determined	by	subtracting	your	total	
           outstanding	Cash	Advances	from	your	Cash	Credit	Limit.		Your	total	outstanding	Cash	Advances	is	
           determined	by	adding	all	unpaid	Cash	Advances	from	prior	billing	statements	and	any	Cash	Advance	you	
           received	after	y our	last	billing	statement	was	issued. 	
           You	promise	not	to	engage	in	any	transactions	that	will	cause	you	to	exceed	your	total	Credit	Limit	or	
           your	Cash	Credit	Limit.		This	means	that	your	 Credit	 Account	balance,	including	Interest	Charges	and	
           fees,	plus	an y	transactions	we	have	authorized	but	that	have	not	yet	been	processed,	may	not	exceed	
           your	Credit	Limit	at	any	time .		 It	also	means	that	the	outstanding	balance	of	your	Cash	Advances,	
           including	Interest	Charges	and	fees,	plus	any	Cash	Advance	transactions 	 that	we	have	authorized	but	
           that	have	not	yet	been	processed,	may	not	exceed	your	Cash	Credit	Limit	at	any	time. 	
           If	you	attempt	a	transaction	that	would	cause	you	to	exceed	your	total	Credit	Limit	or	your	Cash	Credit	
           Limit,	we	may	in	our	discretion	author ize	the	transaction	without	increasing	your	total	Credit	Limit	or	
           Cash	Credit	Limit	or	we	may	deny	the	authorization.		If	we	do	allow	you	to	exceed	your	total	Credit	Limit	
           or	Cash	Credit	Limit	at	any	time,	that	does	not	obligate	us	to	do	so	any	other	time. 		 Without	limiting	our	
           other	rights	under	this	Agreement,	includi ng	our	rights	under	the	 � Our	Rights	Upon	Default �	section, 	
           you	agree	that	if	 you	 exceed	your	 total	 Credit	Limit	 or	Cash	Credit	Limit	 at	any	time	you	will	immediately	
           pay	us	for	the	full	amoun t	of	the	excess 	 over	the	total	Credit	Limit	or	Cash	Credit	Limit,	as	applicable . 	
           9 . 	 Credit	Availability . 		 Payments	on	your	Credit	Account	and	changes	to	your	Credit	Limit	will	
           change	the	amount	of	your	Available	Credit.		This	section	describes	when	your	Cr edit	Account	payments	
                                  Secured	Credit	Car d	 Agreement 	
           will	be	credited	for	purposes	of	your	Available	Credit.		Crediting	of	payments	for	purposes	of	your	
           scheduled	payment	obligations	is	described	in	 � Receipt	and	Crediting	of 	 Payments �	 in	Section	11,	
           below .		 For	purposes	of	your	Availabl e	Credit	 only ,	 the	following	 payments	you	make	on	 your	Credit	
           Account	will	increase	your	Available	Credit	within	8	to	12	calendar	days	after	we	receive	the	payment: 	
                (a)   Single	or	recurring	automatic	p ayments	 from	your	bank	account 	 you	schedule	 by	logging	on	
           to 	 our	website	at	 www.greendot.com/platinum . 	
                (b)   Single	or	recurring	automatic	p ayments	you	authorize	by	telephone	using	our	Telephone	
           Customer	Service 	 to	speak	to	a	live	Customer	Service	representative .		 We	will	 charge	you	a	fee	to	make	
           these	live	Customer	Service	 phone	payments	 unless	you	request	the	payment	to	be	made	in	the	future	
           (see	� Fees �	in 	 Section	16,	below) . 	
                (c)   Single	payments	you	authorize	by	telephone	using	our	interactive	voice	response	(IVR)	
           system	with out	speaking	to	a	live	Customer	Service	representative.		Recurring,	automatic	payments	may	
           not	be	scheduled	using	the	IVR.		 	
                (d)   Payments	you	make	by	check 	 or	money	order . 	
           When	you	make	payments	on	your	 Credit	 Account	in	cash	at	Participating	Retailers	(see	 � M aking	
           Payments �	 in	Section	10,	 below)	by	5 	 p.m.	Eastern	Time	on	a	Business	Day,	your	increased	Available	
           Credit 	 will	be	effective	within	a	few	minutes	after	you	make	the	payment.		However,	the	Participating	
           Retailer	will	charge	you	a	 service	 fee	for	making 	 such	pa yments.		 A sk	the	Participating 	 Retailer	for	the	
           amount	of	the 	 fee	bef ore	conducting	this	transaction . 	
           10. 	 Promise	t o	Pay . 	
           (a )		 General	Promise	to	Pay. 		 You	promise	to	 pay	us	all	amounts	you	owe	on	your	 Credit	 Account,	
           including	without	limit	the	to tal	amount	of	all	Purchases,	Cash	Advances,	Interest	C harges 	 and	all	other	
           charges	and	fees	described	in	this	Cardholder	Agreement.		 You	must	make	a	payment	ev ery	month	that	
           your	 Credit	 Accou nt	reflects	a	New	Balance	(the	New	Balance 	 is	the	entire 	 amount	t hat	you	owe	us 	 at	
           that	time ).	 	 If	we	do	not	receive	your 	 Minimum	Payment	Due	 by	the	Payment	D ue	Date	reflected	on	
           your	billing	s tatement	it	will	be	considered	late 	 and	 you	will	be	in	Default.		 See	� Our	Rights	Upon	
           Default � 	 in	Section	13,	below,	for	consequ ences	of	Default. 	
           (b)		 Making	Payments. 		 All	payments	to	us	must	be	made	in	U.S.	Dollars.		You	can	either	make	payments	
           in	cash	at	a	Participating	Retailer,	by	sending	a	check	or	money	order	to	us	at	the	address	disclosed	on	
           your	billing	statement,	by	auth orizing	a	payment	from	your	bank	account	using	our	Telephone	Customer	
           Service	and	speaking	with	a	Customer	Service	representative,	by	authorizing	a	payment	from	your	bank	
           account	by	telephone	using	our	IVR	system	without	speaking	to	a	Customer	Service	repr esentative,	or	
           by	scheduling	automatic	payments	from	your	bank	by	logging	on	to	our	website	at	
           www.greendot.com/platinum .		 We	will	charge	you	a	fee	 whe n	you	use	our	Telephone	Customer	Service	
           to	 speak	to	a	Customer	Service	representative	to	 make	 a	 payment 	 unless	you	request	that	the	payment	
           be	made	on	a	date	in	the	future	(see	 � Fees �	in 	 Section	16,	below) . 		 If	you	make	your	payment	at	a	
           Participating	Ret ailer,	 the	Participating	Retailer	will	charge	 you	a	service 	 fee. 		 A sk	the	Participating 	
           Retailer	for	the	amount	of	the 	 fee	bef ore	conducting	this	transaction . 		 In	addition,	any	payment	that	you	
           make	at	a	Participating	Reta iler	must	be	for	at	least	$2 0. 	
           (c) 		 Minimum	Payment	Requirement. 		 You	may	pay	the	entire	balance	owed	at	any	time,	without	
           penalty,	or	you	may	pay	 some	lesser	amount .		At	a	 minimum ,	however,	you 	 must	 pay 	 the	 Minimum	
                                  Secured	Credit	Car d	 Agreement 	
           Payment	Due	as	is	reflected	on	your	billing	s tatement ,	and	we	must	receive 	 that	payment	on	or	before	
           the	Payment	Due	Date	shown	on	each	billing	statement . 		 The	Payment	Due	Date	will	be	the	same	day	of	
           each	calendar	month	(although	if	the	Payment	Due	Date	is	not	a	Business	Day,	we	will	treat	any	
           payment	received	by	us	by	5:00	p.m .	Eastern	Time 	 on	the	next	Business	Day	as	having	been	made	on	the	
           Payment	Due	Date).		See	� Receipt	and	Credit	of	Payments ,�	below.		If	your	Minimum	Payment	Due	is	
           not	received	by	your	Payment	Due	Date,	you	will	be	charged	a	Late	Payment	Fee	( see	� Fees �	in 	 Section	
           16,	below). 	
           If	the	�New	 Balance�	shown	on	your	monthly	billing	s tatement	is	less	than	$25.00,	your	Minimum	
           Payment	Due	will	be	the	New	Balance.	 	 If	the	New	Balanc e	is	$25.00	or	more,	your	 Minimum 	 Payment	
           Due	will	be	equal	to	any	amount	that	is	pas t	due 	 on	your	Credit	Account 	 plus	th e	greater	of	(i) 	 $25.00	or	
           (ii) 	 the	sum	of	2 %	of	the	New	Balance ,	plus	interest	and	 Late	Payment	Fee s	(rounded	to	the	next	higher	
           whole	dollar	amount).		If	your	balance	exceeds	your	Credit	Limit,	we	also	require	that	you 	 pay	the	over -
           limit	amount,	but	that	amount	is	not	included	in	your	Minimum	Payment	Due.		Any	credits	on	your	
           Credit	Account	will	not	be	 used	to	meet	the	Minimum	Payment	Due	amount. 	
           11. 	 Receipt	and	Crediting	o f	Payments . 		 To	ensure	a	timely	payment,	we	mus t	receive	your	
           payment	by	5	p.m.	Eastern	Time	on	a	Business	Day	in	order	to	be	credited	to	your	Credit	Account	on	
           that	day.		For	purposes	of	your	payment	obligations,	the 	 following	describes	when	your	payments	must	
           be	made	in	 order	to	be	credited	to	your	C redit	Account	on	a	timely	basis. 	
           (a)	 	 Check	or	Money	Order	Payments. 		 A	conforming	payment	received	by	us	by	5:00	p.m.	Eastern	Time	
           will	be	credited	to	your	Credit	Account	when	we	receive	it.		A	�conforming	payment�	is	a	payment	by	
           check	or	money	order	dra wn	on	a	U.S.	financial	institution	(or	the	U.S.	Postal	Service,	for	money	orders)	
           that	is	capable	of	being	processed	through	the	Federal	Reserve	System,	is	payable	to	Green	Dot	Bank,	
           and	has	your	Credit	Account	number	written	on	it.		Any	check	or	money	ord er	that	does	not	meet	these	
           requirements	will	be	considered	�non - conforming�	which	may	delay	the	crediting	of	the	payment	for	up	
           to	5	days.		Please 	 allow	7	to	10	business	days	for	the	U.S.	Postal	Service	to	deliver	your	payment	to	us. 	
           (b ) 		 Other	Payment 	 Op tion s. 		 All	other	�conforming	payments�	received	by	us	by	5	p.m.	Eastern	Time	on	
           a	Busines s	Day	will	be	credited	to	your	Credit	A ccount	the	day	of	receipt.		A	�conforming	payment�	is	a	
           payment	that	includes	your	Credit	Account	number	and	is	made	in	any	of	 the	following	ways: 	
                (i)   Individual	e lectronic	payments	scheduled	by	you	 by	logging	on	to	our	website	at	
           www.greendot.com/platinum ,	if	scheduled	 prior	to	5: 00	p.m.	Eastern	Time	on	a	Business	Day. 		 If	you	
           schedule	recurring,	automatic	payments	on	our	website,	you	will	 have	agreed	 with	us	 to	make	
           automatic	payments	from	your	bank	account 	 and 	 we	will	deduct	 each	 Minimum	Payment	Due	from	your	
           bank	account	on	the	 Paym ent	Due	Date	reflected	on	your	billing	s tatement 	 and	will	credit	your	 Credit	
           Account	on	that	day. 	
                (ii)   Electronic	payments	scheduled	by	you	using	our	Telephone	Customer	Service	 to	speak	to	a	
           live	Customer	Service	representative	 prior	to	5:00	p.m.	E astern	Ti me	on	a	Business	Day.		 We	will	charge	
           you	a	fee	to	make	 these	 phone	payments 	 unless	you	request	that	the	payment	be	made	on	a	future	
           date	( see	� Fees �	in 	 Section	16,	below) . 	
                (iii)   Payments	you	make	using	our	IVR	service	without	speaking	to	a	Customer	Service	
           repr esentative	if	scheduled	prior	to	5:00	p.m.	Eastern	Time	on	a	Business	Day. 	
                                  Secured	Credit	Car d	 Agreement 	
                (iv)   Payments	that	you	make	in	cash	at	a	Participating	Retailer	prior	to	5:00	p.m.	Eastern	Time	
           on	a	Business	Day.		The	Participating	Retailer	will	charge	you	a	service	fee	to	accept	you r	payment.		 Ask	
           the	Participating	Retailer	for	the	amount	of	the	fee	before	conducting	this	transaction. 	
           All	non - conforming	payments	will	be	credited	to	your	Credit	Account	within	5	days 	 so	long	as	we	can	
           identify	your	Credit	Account . 	
           (c )		 Application	of	P ayments. 		 Subject	to	applicable	law,	we	will	apply	and	allocate	payments	up	to	the	
           Minimum	Payment	Due	and	any	credits	on	your	Credit	Account	among	balances	and	charges	in	any	
           order	and	manner	determined	by	us	in	our	sole	discretion.		You	agree	that	we	hav e	the	unconditional	
           right	to	exercise	this	discretion	in	a	way	that	is	most	favorable	or	convenient	to	us.		When	your	Annual	
           Fee	is	due,	we	will	apply	your	payment	first	to	the	unpaid	balances	of	your	Account,	up	to	the	Minimum	
           Payment	Due,	and	then	to	the 	 Annual	Fee. 	
           (d)		 Irregular	Payments. 		 We 	 can	accept	late	payments,	partial 	 payments,	or	conditional	checks	or 	
           money	orders	or	any	checks	or	money	orders	marked	�payment	in	full�	without	losing	our	rights 	 under	
           this	 Cardholder	 Agreement,	including	the	righ t	to	require	full	payment	of	all	amounts	owed	under	this 	
           Cardholder	Agreement. 	
           12. 	 Authorization	Holds . 	 	 Transactions	at	some	merchants	(such	as	hotels,	car	rental	companies,	
           restaurants,	and	gas	stations)	may	result	in	temporary	authorizations	for	amounts 	 greater	than	the	
           actual	Purchase	amount.		If	this	happens,	it	will	make	less	credit	available	to	you	on	your	 Credit	 Account	
           for	several	days	(usually	until	the	date	the	actual	Purchase	amount	is	received	by	us	from	the	merchant). 	
           13. 	 Our	 Rights	Upon	Defau lt . 	
           (a)		 Events	of	Default. 		 The	Bank	may,	without	prior	notice,	declare	you	in	 d efault	 under	this	Cardholder	
           Agreement	if	any	of	the	following	occurs	(a 	 �Default� ):		 ( i) 	 you	fail	to	meet	the	conditions,	to	perform	
           any	obligation,	or	to	make	any	 required	 p ayment	under	this	 Cardholder	A greement	or	any	other	
           agreement	that	you	make	 with	us	 relating	to	the	Debt;	( ii) 	 you	have	given	the	Bank	false	or	misleading	
           information	or	misrepresentations;	( iii) 	 you	die ;	( iv) 	 any	government	authority	takes	action	 that 	 the 	 Bank	
           believes	adversely	affects	your	financial	condition	or	ability	to	repay	the	Debt;	( v) 	 any	guaranty	or	other	
           agreement	required	in	connection	with	the	Debt	is	violated	or	ineffective;	or	( vi) 	 you	file	a	bankruptcy	
           petition,	a	bankruptcy	petition	is	fi led	against	you,	or	you	make	a	general	assignment	for	the	benefit	of	
           cr editors.	If	you	D efault,	the	Bank	may	declare	all	of	the	Debt	immediately	due	and	payable.	 The	 Bank	
           may	also	exercise	all	the	rights	of	an	owner	of	the	Collateral	Account ,	as	provided	i n	your	Collateral	
           Account	Agreement . 		 �Debt� 	 includes	 all	amounts	you	owe	to	the	Bank,	including	but	not	limited	to	
           interest,	fees	and	charges	that	may	accrue	under	your	 Credit	Account ,	and	also	include	without	
           limitation	any	continuing	guaranty	arising	fr om	the	 Credit	Account ,	as	well	as	each	extension,	refinance	
           or	renewal	of	such	obligations,	and	any	expenses	that	the	Bank	incurs	in	enforcing	your	obligations	
           under	this	Cardholder	Agreement,	including	fees	for	independent	and/or	in - house	counsel,	where	
           a llowed	by	law.	 	 Your	Collateral	Account	does	not	secure	any	obligations	to	us	other	than	the	Debt,	as	
           defined	above. 	
           (b)		 Our	Rights	Upon	Your	Default . 	 Upon	any	D efault,	 we	are 	 authorized	to	 exercise	all	of	our	rights	
           under	the	security	interest	that	you	h ave	granted	to	us	in	your	Collateral	Account.		See	your	Collateral	
           Account	Agreement	for	details.		Without	limiting	the	foregoing,	we	may	 act	as	owner	of	the	Collateral	
           Account	and	apply	all	or	any	 portion	of	the	funds	 in	the	Collateral	Account	to	repaymen t	of	the	Debt	and	
           our 	 costs	in	en forcing	our	rights	hereunder	and	under	the	Collateral	Account	Agreement .		 We	are	
                                  Secured	Credit	Car d	 Agreement 	
           irrevocably	appointed	as	attorney - in - fact	for	the	limited	purpose	of	executing	any	instruments	required	
           to	satisfy	Debt. 	
           Our 	 rights	stated	in	 this	 Cardholder	 Agreement	 and	in	the	Collateral	Account	Agreement	 are	in	addition	
           to	any	others	it	has	under	the	law.	If	there	is	a	conflict	regarding	the	security	interest	between	this	
           Cardholder	 Agreement	 or	Collateral	Account	Agreement	 and	any	other	agr eement,	this	 Cardholder	
           Agreement	 and	the	Collateral	Account	Agreement	 will	control.	You	represent	that	no	insolvency	
           proceeding	or	general	assignment	for	creditors	is	pending	that	would	affect	the	Bank�s	security	interest.	
           If	 the	 Bank	waives	or	delays	exe rcising	a	right,	it	does	not	forfeit	that	right	or	any	others.	You	waive	any	
           defense	you	may	have	against	 the	 Bank.	 The	 Bank	can	exercise	its	rights	against	 the	 Collateral	Account	
           even	if	you	are	no	longer	liable	on	Debt	because	of	a	statute	of	limitations 	 or	because	of	other	reas ons.	
           Until	Debt	is	fully	repaid 	 and	you	have	no	further	obligations	under	this	 Cardholder	 Agreement,	you	will	
           subordinate	in	favor	of	 the	 Bank	any	right	of	subrogation	and	any	right	to	enforce	a	remedy	 the	 Bank	
           now	has	or	may	later 	 have . 	
           14. 	 Authorized	Users . 		 If	you	give	your	Card	to	any	other	person	to	use	or	o therwise	authorize	any	
           person	to	use	your	Credit	Account	you	will	be	responsible	for	all	charges	that	such	person	makes	on	
           your	Credit	Account,	even	if	you	did	not	anticipat e	or	specifically	approve	the	charges.		You	must	notify	
           us	in	writing	if	you	wish	to	revoke	any	permission	you	give	to	another	person	to	use	your	Credit	Account.		
           We	then	will	take	commercially	reasonable	efforts	to	comply	with	your	instructions	to	revoke	 that	
           authority,	which	may	include	replacing	your	Card	with	a	new	Card	or	changing	your	Credit	Account	
           number. 	
           15 . 	 Billing	Statements . 		 Each	month	while	your	Account	is	open	we	will	provide	you	a	billing	
           statement	showing	your	New	Balance,	Minimum	Payment	D ue,	and	the	Payment	Due	Date.		We	will	
           provide	the	billing	statement	to	you	electronically	by	notifying	you	by	email	that	your	billing	statement	
           is	available.		When	you	receive	this	email,	you	will	need	to	login	to	your	 Credit	 Account	at	
           www.greendot.com/platinum 	 to	view	and	print	your	billing	statement.		We	may	discontinue	sending	
           billing	statements	to	you	if	we	deem	your	Credit	Account	to	be	uncollectible	or	if	we	sent	your	Credit	
           Account	to	an	attorney	or	 other	 third	party	for	collection	purposes.		Even	though	you	may	no t	receive	a	
           billing	s tatement	in	such	instances,	you	understand	and	agree	that	periodic	Interest	Charges	may	
           continue	to	accrue	on	your	 Credit	Account. 	
           16 . 	 Fees . 	
           (a)		 Annual	Fee. 		 We	will	im pose	an	Annual	Fee	on	your	 Credit	Account 	 of	 $39.00 .		We	will	charge	the	
           first	Annual	Fee	to	your	Credit	Account	when	it	is	opened.		 After	you	have	opened	your	Account,	the	
           Annual	Fee	will	be	charged	to	your	Account	 on	approximately	the	same	date	as	your	 C redit	 Account	was	
           opened	and	every	12	months	thereafter	whether	or	not	you	use	your	Account.		The	Annual	Fee	is	not	
           refundable	even	if	your	 Credit	 Account	is	closed	before	the	end	of	the	year	for	which	you	paid	the	
           Annual	Fee. 	
           (b)		 Late	Payment	Fee. 		 If	yo ur	Minimum	Payment	Due	is	not	received	by	your	Payment	Due	Date,	a	Late	
           Payment	Fee	of	 $27 	 will	be	assessed.		However,	the	Late	Payment	Fee	will	not	exceed	the	Minimum	
           Payment	Due	and	we	will	waive	the	first	Late	Payment	Fee. 	
           	
           (c)		 Returned	Payment	Fee. 		 F or	any	payment	that	you	make	to	us	that	is	returned	unpaid,	we	will	
           impose	a	Returned	Payment	Fee	equal	to	the	 lesser	of	 $27 	 or	the 	 amount	of	your	required	Minimum	
                                  Secured	Credit	Car d	 Agreement 	
           Payment	Due	immediately	prior	to	the	date	on	which	the	payment	is	returned.		 We	will	waive	y our	first	
           Returned	Payment	Fee . 	
           (d)		 Cash	Advance	 Fees. 		 We	will	impose	a	Cash	Advance	Fee	for	each	Cash	Advance	you	obtain,	equal	to	
           the	greater	of	 $10 	 or	 3% 	 of	the	amount	of	each	Cash	Advance. 	
           (e)		 Foreign	Transaction	Fees. 		 We	will	 impose	a	Foreign	Tran saction	Fee	equal	to	 3% 	 of	each	Foreign	
           Transaction,	measured	in	U.S.	dollars	(see	� Foreign	Transactions �	below	for	additional	restrictions	on	
           such	transactions). 	
           (f)		 Card	Replacement	Fee . 		 We	will	impose	a	 $10.00 	 fee	for	each	new	Card	issued	to	replace	a 	 Card	for	
           any	reason	(including	the	issuance	of	a	new	Card	to	replace	a	lost,	stolen	or	damaged	Card,	but	
           excluding	the	issuance	of	a	new	Card	to	replace	an	expiring	Card) . 	
           (g)		 Expedited 	 Card	Delivery	Fee . 		 We	will	impose	a	 $ 2 0.00 	 fee	if	you	request	that	 we	expedite	the	
           delivery	of	any	Card	to	you. 	
           (h)		 Phone	Payment	Fee. 		 We	will	impose	a	 $4.00 	 fee	if	you	 use	our	Telephone	Customer	Service	to	
           speak	to	a	live	Customer	Service	representative	for	scheduling	of	a	payment	to	your	 Credit	Account ,	
           unless	you	req uest	that	the	payment	be	made	on	a	future	date. 	
           (i)		 Fees	for	Other	Services. 		 We	may	charge	you	other	fees	for	services	associated	with	your	Account	
           that	you	request	in	accordance	with	applicable	law . 	
           (j)		 Participating	Retailer	Service	Fee. 		 This	fee	wil l	be	charged	by	a	Participating	Retailer	if	you	 use	cash	
           at	the 	 Participating	Retailer	 to	fund	your	Collateral	Account	or	 to	 make	 a	payment 	 on	your	Credit	
           Account .		 A sk	the	Participating 	 Retailer	for	the	amount	of	the 	 fee	bef ore	conducting	this	transaction . 	
           17 . 	 Interest	Charges . 	
           (a)		 When	Interest	Charges	Begin;	Grace	Periods	for	Purchases	Only. 		 We	calculate	Interest	Charges	
           separately	for	Cash	Advances	and	Purchases.		There	is	no	grace	period	for	Cash	Advances	so	you	will	pay	
           Interest	Charges	on	all	Cash	 Advances	from	the	date	they	are	posted	to	your	 Credit	 Account	until	paid	in	
           full. 	
           You	will	pay	an	Interest	Charge	on	Purchases	from	the	date	they	are	posted	to	your	 Credit	 Account	until	
           paid	in	full,	unless	the	Purchase	is	subject	to	a	grace	period.		There 	 is	a	grace	period	during	which	no	
           Interest	Charge	will	be	imposed	on	Purchases.		 Each	Payment	Due	Date	will	be	at	least	25	days	from	the	
           statement	closi ng	date	and	is	printed	on	each	billing	s tatement	you	receive .	Purchase	transactions	
           appearing	on	your	b illing	statement	( �New	Purchases� )	will	not	be	subject	to	an	Interest	Charge	if: 	
             1.   you	either	had	no	balance	owed	reflected	on	your	immediately	prior	billing	statement	or	paid	
                the	New	Balance	reflected	on	your	immediately	prior	billing	statement	in	full	by	t he	Payment	
                Due	Date	shown	on	that	Billing	Statement,	and 	
             2.   you	also	pay	the	New	Balance	reflected	on	the	current	billing	statement	(the	statement	
                reflecting	the	New	Purchases)	in	full	by	the	Payment	Due	Date	reflected	on	the	current	billing	
                statement. 	
           If	you 	 do	not	satisfy	condition	1	above,	the	New	Purchases	will	be	subject	to	an	Interest	Charge	from	the	
           day	they	were	posted	to	your	 Credit	 Account.		If	you	satisfy	condition	1	above	but	do	not	satisfy	
                                  Secured	Credit	Car d	 Agreement 	
           condition	2	above,	New	Purchases	will	be	subject	to	an	Int erest	Charge	from	the	date	posted	to	your	
           Credit	Account	until	paid	in	full. 	
           (b )		 How	W e	Calculate	Your	Interest 	 on	Purchases :	Average	Daily	Balance	Method	(Including	New	
           Purchases).	 	 We	calculate	 a	portion	of	the	Interest	Charge	on	your 	 Credit	 Account	by	 applying	a	Monthly	
           Periodic	Rate 	 to	the	� Ave rage	Daily	Balance	of	Purchases� 	 on	the	Account	(including	new	Purchases	for	
           which	you 	 do	not	have	a	 g race	 p eriod).	 	 The	�Monthly	Periodic	Rate�	is	determined	by	dividing	the	
           Annual	Percentage	Rate 	 by	12.		 To	get 	 the	Average	Daily	Balance	of	Purchases,	we	take	the	beginning 	
           balance	of	Purchases	on	the 	 Credit 	 Account	each	day;	add	any	New	Purchases	posted	to	your	 Credit	
           Account	on	that	day;	and	subtract	unpaid	interest	or	other	finance	charges 	 and	any	payments	or	c redits	
           and	fees.	 	 This	gives	us	the	Daily	Balance	of	Purchases.	Then	we	add	together	all	of	these	Daily 	 Balances	
           of	Purchases	for	the	Billing	Cycle,	and	divide	the	total	by	the	number	of	days	in	the	Billing 	 Cycle.	This	
           gives	us	the	Average	Daily	Balance	of 	 Purchases. 	
           (c )		 How	W e	Calculate	Your	Interest 	 on	Cash	Advances :	Average	Daily	Balance	Method	(Including	New	
           Cash	Advances ).	 	 We	calculate	 a	portion	of	the	Interest	Charge	on	your	Credit	Account 	 by	applying	a	
           Daily 	 Periodic	Rate 	 to	the	� Average	Daily	Bala nce	of	 Cash	Advances �	on	the	Account.	 	 The	�Daily	Periodic	
           Rate�	is	determined	by	dividing	the	 Annual	Percentage	Rate 	 by	360.		 To	get	the	Average	Daily	Balance	
           of	 Cash	Advances ,	we	take	the	beginning 	 balance	of	 Cash	Advances 	 on	the	 Credit	 Account	each	day; 	 add	
           any	 new	Cash	Advances 	 posted	to	 your	Credit	Account 	 on	that	day;	and	subtract	unpaid	interest	or	
           other	finance	charges 	 and	any	payments	or	credits	and	fees. 	 	 This	gives	us	the	Daily	Balance	of	 Cash	
           Advances .	Then	we	add	together	all	of	these	Daily 	 Bal ances	of	 Cash	Advances 	 for	the	Billing	Cycle,	and	
           divide	the	total	by	the	number	of	days	in	the	Billing 	 Cycle.	This	gives	us	the	Average	Daily	Balance	of	
           Cash	Advances . 	
           (d )		 Calculation	of	Interest	Charges. 		 We	calculate	a	portion	of	your	Interest	Charge	b y	multiplying	a	
           Monthly	Periodic	Rate	by	your 	 Average	Daily	Balance	of	Purchases	(including	new	Purchases	for	which	
           there	is	no	grace	period), 	 and	 by	multiplying	a	 Daily 	 Periodic	Rate	by	your	Average	Daily	Balance	of	Cash	
           Advances	(including 	 new	Cash	Advan ces).	We	add	together	the	results	of	these	daily 	 calculations	to	get	
           your	total	Interest	Charge	for	t he	Billing	Cycle,	subject	to	a	m inimum	Interest 	 Charge	of	$ 1.0 0	 for	each	
           Billing	Cycle	during	which	 Interest	C harge s 	 based 	 on	a	periodic	rate	are	imposed. 	
           18. 	 Consent	to	Electronic	Disclosures. 		 This	Credit	Account	is	only	available	electronically.		In	order	
           for	you	to	obtain	and	maintain	the	Account,	you	agree	to	receive	all	disclosures	electronically.		Those	
           disclosures	will	include	your	billing	statements ,	annual	privacy	notices,	any	change	in	terms	notices,	and	
           any	other	disclosures	that	we	are	required	or	choose	to	provide	to	you	(collectively,	the	 �Account	
           Materials� ).		If	you	use	our	Telephone	Customer	Service	to	schedule	recurring	payments	to	your	Cre dit	
           Account,	you	also	agree	that	we	will	provide	a	copy	of	your	payment	authorization	to	you	electronically.		
           In	order	to	receive	these	Account	Materials	electronically,	you	must	have	the	following	systems	(the	
           �System	Requirements� ): 	
                �	a	personal	computer 	
                �	Microsoft	Windows	7	or	Mac	OS	10.X	or	higher 	
                �	a	secure	(encrypted)	Web	Browser	(Firefox	38	or	higher,	Internet	Explorer	11	or	higher,	
                Chrome	43	or	higher,	Safari	8	(Mac)	or	higher) 	
                �	Internet	access	through	an	Internet	Service	Provider	(ISP)	 	
                �	a	valid 	 email	address 	
                �	for	viewing	electronic	account	statements,	Adobe	Reader.	To	download	a	free	copy	of	Adobe	
                Reader,	please	visit	 https://get.adobe.com/reader/ 	
                                  Secured	Credit	Car d	 Agreement 	
                	
           If	you	cannot	satisfy	these	System	Requirements,	you	should	not	accept	the	Credit	Account.		If	yo u	
           satisfy	the	System	Requirements	now	but	for	some	reason	cannot	do	so	in	the	future,	you	should	close	
           your	Credit	Account.		 See	� Cancellation	and	Change	in	Terms �	in	 Section	25	of	 this	Cardholder 	
           Agreement	for	more	information	on	closing	your	Credit	Accou nt	and	the	consequences	of	doing	so. 	
           19 . 	 Liability	For	Certain	Unauthorized	Credit	Card	Transactions . 		 If	you	believe	that	your	Card	or	
           Credit	Account	has	been	used	without	your	permission,	contact	us	at	once	 by	calling	our	Customer	
           Service	Department	at	 1 - 866 - 291 - 0818. 		 Or	you	may	 write	to	us	at	 P.O.	Box	9206,	Old	Bethpage	NY	
           11804.		 If	you	choose	to	write	to	us,	be 	 sure	to	include	your	account	number ,	the	dollar	amount	of	your	
           suspected	error	and,	if	you	believe	there	is	an	error	on	your	bill,	why	you	bel ieve	it	is	an	error . 		 Except	as	
           provided	below,	your	liability	for	unauthorized	transactions	that	take	place	on	the	VISA	system	is	zero	
           dollars	($0).		We	may	require	you	to 	 provide	a	written	statement	regarding	claims	of	unauthorized	
           transactions. 	 This	pro tection	 does	not	apply	if	we	determine	that	you	have	been	fraudulent	or	negligent	
           in	the	handling	of	your	Card. 		 These	provisions	limiting	your	liability	also	do	not	apply	to	any	credit	
           transactions	that	are	not	processed	by	VISA.		See	 � YOUR	BILLING	RIGHTS �	below	for	more	information	
           concerning	your	rights	and	our	responsibilities	under	the	Fair	Credit	Billing	Act	and	your	potential	
           liability	for	transactions	that	are	not	covered	by	this	section. 	
           20 . 	 Disputes . 		 We	are	not	responsible	for	refusal	by	any	merc hant,	financial	institution,	or	
           automated	equipment 	 to	honor	or	accept	your	Card,	and	we	have	no	responsibility	for	merchandise	or	
           services	obtained	by 	 you	with	your	Card	except	as	provided	in	the	 � YOUR	BILLING	RIGHTS �	section	of	
           this	Cardholder	Agreement	 below.	 	 You	agree	to	use	your	best	efforts	to	resolve	any	dispute	concerning 	
           merchandise	or	services	with	the	 merchant	concerned. 	
           21. 	 Cards . 		 Any	Cards	that	we	issue	to	you	belong	to	us.	We,	a	merchant,	or	any	party	acting	on	our	
           behalf,	may 	 retain	your	Ca rd	without	prior	notice	to	you.	You	agree	to	sign	your	Card	in	the	space	
           provided	for 	 authorized	signatures	before	you	use	the	Card.	Your	Card	is	issued	with	an	expiration	date.	
           We	have 	 the	right	not	to	renew	your	Card	or	 Credit	Account .	If	we	have	not	ter minated	your	account	or	
           exercised	our 	 right	not	to	renew	your	 Credit	Account ,	we	will	send	you	a	new	Card	when	your	prior	Card	
           expires. 	
           22 . 	 No	Waiver	 o f	Rights . 		 We	may	delay	in	enforcing	our	rights	under	this	 Cardholder	 Agreement	
           without	losing	those	righ ts	or	any	other 	 rights.	We	may	waive	enforcement	of	our	rights	in	one	or	more	
           instances	without	waiving	those 	 rights	or	any	other	rights	in	other	instances. 	
           23. 	 Our 	 Communications	With	You . 		 You	agree	that	we	(and	our	affiliates,	agents,	 and	contractors)	
           m ay	monitor	or	 record	any	calls	between	you	and	us.	If	we	need 	 to	contact	you	to	service	your	Credit	
           Account	or	to	collect	amounts	you	owe	to	us,	you	au thorize	us	(and	our	affiliates,	 agents,	and	
           contractors)	to	contact	you	at	any	num ber	(a)	you	have	provid ed	to	us	(b )	f rom	which	you	called	us,	or	
           (c )	which	we	ob tained	and	believe	we	can	reach	 you	at.	We	may	contact	you	in	any	way,	such	as	call ing,	
           texting,	or	email.	We	may	 contact	you	using	an	automated	dialer	or	using	 artificial	or	 pre - recorded	
           messages.	W e	may	 contact	you	on	a	mobile,	wireless,	or	similar	device, 	 even	if	you	are	charged	for	it	 by	
           your	provider. 		 You	agree	to	promptly	notify	us	if	you	change	any	contact	information	you	provide	to	us.	
           This	includes	your	name,	m ailing	address,	email	address	o r	phone	number . 	
           24. 	 Assignments	a nd	Transfers . 	 	 Your	rights	under	this	 Cardholder	 Agreement	may	not	be	
           transferred	by	operation	of	law	or	otherwise. 	 However,	your	obligations	under	this	 Cardholder	
                                  Secured	Credit	Car d	 Agreement 	
           Agreement	shall	be	binding	upon	your	estate	or	personal	rep resentatives.	 	 We	may	sell	your	 Credit	
           Account 	 and	Collateral	Account	 and/or	assign	or	transfer	this	 Cardholder	 Agreement	and	our	related 	
           rights	and	obligations	without	prior	notice	to	you	and	without	your	consent. 	 	
           25. 	 Cancellation	and	Change	i n	Terms . 	
           (a )		 You	May	Close	Your	Credit	Account. 		 You	may	close	your	 Credit	Account 	 at	any	time	by	notifying	us	
           at 	 1 - 866 - 291 - 0818 .	 	 We	will	cancel	your	 Credit	Account 	 after	we	receive	notice	from	you 	 and	have	a	
           reasonable	opportunity	to	process	your	notice .	You	agree 	 that	we	are	not	responsible	for	any 	 costs,	
           damages,	or	inconvenience	you	may	suffer	as	a	result	of	our	cancelling	your	 Credit	Account . 	
           (b)		 We	May	Close	Your	 Credit	Account . 		 Even	if	you	are	not	in	 Default,	we	may: 	
                �   close	your	 Credit	Account , 	
                �   cancel	or	sus pend	your	privileges	to	make	Purchases 	 or	obtain	Cash	Advances ,	or 	
                �   otherwise	cancel	or	suspend	any	 Credit	Account 	 privileges	or	benefits	(whether	or	not	such	
                  privileges	or	benefits	are	described	or	referred	to	in	this	Cardholder	Agreement).	We	may	
                  do	so	fo r	any	reason,	including	 Credit	Account 	 inactivity,	in	our	sole	discretion.	We	will	
                  provide	you	with	notice	of	any	such	action	if	required	to	do	so	by	applicable	law. 	
           (c)		 No	More	Transactions	if	Credit	Account	is	Closed. 		 If	either	you	or	we	close	your	 Cre dit	Account 	 you	
           may	not	make	further	Purchases	or	Cash	Advances	with	your	Card	or	Credit	Account.		 However,	you	will	
           remain	responsible	and	must	pay	for	all	credit	owed	to	us 	 (extended	to	you	or	arising	from	use	of	your	
           Credit	Account 	 prior	to	or	subsequen t	to	cancellation). 		 We	also	will	return	to	you	the	funds	from	your	
           Collateral	Account	only	as	described	in	the	Collateral	Account	 Agreement. 	
           26. 	 Changing	Terms	o f	Your	Credit	Account . 	 	 We	may	amend	the	terms	of	this 	 Cardholder 	
           Agreement,	including	the	amo unt	of	any	 Credit	Account 	 fees,	from 	 time	to	time	in	our	sole	discretion.	
           Depending	on	the	nature	of	the	change,	the	amendment 	 to	this	 Cardholder	 Agreement	may,	on	or	after	
           the	date	on	which	it	becomes	effective,	apply	to	all	of	your 	 then - outstanding	unpai d	indebtedness	to	us	
           under	your	 Credit	Account .	If	required	by	applicable	law,	we 	 will	(a) 	 send	notice	of	the	changes	to	you	at	
           the	address	shown 	 on	our	records	for	you	and	(b) 	 give 	 you	the	right	to	opt	out	of	the	change.	If	you	opt	
           out	of	the	change	you	w ill	be	unable	to	initiate	any 	 further	transactions	on	the	 Credit	Account 	 and	you	
           will	be	required	to	repay	the	amount	that	you	owe	us 	 under	the	terms	and	conditions	of	the	then -
           existing	 Cardholder	 Agreement. 	
           27. 	 Governing	Law . 	 	 Yo u	understand	and	agree	tha t	(a) 	 this	 Cardholder	 Agreement	is	subject	to	
           applicable	federal	laws	and,	to	the 	 extent	not	preempted	by	federal	law,	the	laws	of	the	State	of	 Utah,	
           and	(b) 	 your	 Credit	Account 	 was 	 opened	or	will	be	continued	after	approval	by	us	in	the	State	of	 Utah .	If	
           any	provision	of	this 	 Cardholder	 Agreement	is	in	conflict	with	applicable	law,	that	provision	shall	be	
           considered	modified	to	the	extent 	 necessary	to	comply	with	such	law. 	
           28. 	 Obtaining	Credit	Information . 		 When	you	applied	for	your	 Credit	Account ,	you	aut horized	us	to	
           make	or	have	made	any	credit,	employment, 	 or	other	investigative	inquiries	we	deemed	appropriate	
           (including,	without	limit,	obtaining	a 	 consumer	report)	prior	to	extending	credit	to	you.	You	also	
           authorized	us	to	make	such	inquiries	and 	 obtai n	consumer	reports	when	renewing,	updating,	or	
           collecting	on	your	 Credit	Account 	 in	the	future.	Upon 	 your	request,	we	will	tell	you	whether	we	obtained	
                                  Secured	Credit	Car d	 Agreement 	
           a	consumer	report	and	the	names	and	addresses 	 of	any	consumer - reporting	agencies	that	provided	such	
           repo rts. 	
           29. 	 Foreign	Transactions . 		 You	may	choose	to	use	your	Card	to	make	a	Purchase	in	a	foreign	country 	
           (a 	 � Foreign	Transaction �).	If	your	 Foreign 	 Transaction	is	in	a	currency	other	than	U.S. 	 dollars,	the	
           transaction	will	be	converted	into	a	U.S.	dollar	am ount	by	Visa	International	Inc.,	using 	 the	procedures	
           established	by	Visa	International,	Inc.,	based	on	the	exchange	rate	in	effect	at	the 	 time	the	transaction	is	
           processed.	The	exchange	rate	between	the	transaction	currency	and	the 	 billin g	currency	used	f or	
           processing	Foreign 	 Transactions	is	a	rate	selected	by	Visa	from 	 the	range	of	rates	available	in	wholesale	
           currency	markets	for	the	applicable	central	processing 	 date,	which	may	vary	from	the	rate	Visa	itself	
           receives,	or	a	government - mandated	rate	in	ef fect 	 for	the	applicable	central	processing	date,	in	each	
           instance.	 	 In	addition,	we	will	charge	you	 a 	 Foreign	Transaction	Fee	as	disclosed	in	the	Schedule	of	Fees .	 	
           We	monitor	your	accounts	for	signs	of 	 potential	fraud,	which	could	include	the	use	of	your	 Card	in	a	
           manner	that	is	out	of	the	ordinary. 	
           If 	 you	are	planning	on	using	your	Card	in	a	foreign	country	(for	example,	if	you	are	traveling	abroad) 	
           please	let	us	know	in	advance.	Otherwise	it	is	possible	that	your	 Foreign 	 Transactions	may	be 	 delayed	or	
           de clined. 		 For	example,	there	are	some	countries	in	which	we	are	required	by	law	to	block	transactions	
           and	some	countries	for	which	we	will	not	authorize	the	use	of	your	Credit	Account	due	to	fraud,	
           terrorism	or	other	concerns.		Those	countries	change	from	t ime	to	time,	so	contact	us	in	advance	if	you	
           are	planning	on	using	your	Card	in	a	foreign	country	and	want	to	confirm	that	the	Card	can	be	accepted	
           in	that	country. 	
           30. 	 Disclosure	of	Information	t o	Third	Parties . 		 By	requesting, 	 obtaining	or	using	a	C redit 	 Card	from	
           us	you	agree	that	we	may	release	information	in	our	records	regarding	you	and	your	Credit	Account:	
           (a) 	 to	comply	with	government	agency	or	court	orders ;	 (b) 	 to	share	your	credit	performance	with	 credit	
           reporting	agencies 	 and	other	creditors	who	 we	reasonably	believe	are	or	may	be	doing	business	with	
           you	on	your	Credit	Account;	 (c) 	 to	provide	information	on	your	Credit	Account	to	any	third	party	who	we	
           believe	is	conducting	an	inquiry	in	accordance	with	the	Federal	Fair	Credit	Reporting	Act;	 (d) 	 t o	share	
           information	with	our	employees,	agents	or	representatives	performing	work	for	 us 	 in	connection	with	
           your	Credit	Account;	or	 (e) 	 as	otherwise	permitted	by	the	Bank�s	 privacy	policy . 	 We	provide	a	copy	of	
           the	 Bank�s 	 privacy	policy	 at	the	time	your	 Cre dit	Account 	 is	established	and 	 annually	thereafter.	 Our	
           privacy	policy	is	also	available	on	our	website 	 at	 www.greendot.com/platinum . 	
           31. 	 Furnishing	In formation	t o	Third	Parties . 		 If 	 you	believe	that	we	have	furnished	any	inaccurate	
           information	relating	to	your	 Credit	Account 	 to	any 	 consumer - reporting	agency,	you	may	notify	us	at	the	
           following	 address:	 P.O.	Box	9206,	Old	Bethpage	NY	11804.		 To 	 help	us	re spond	to	your 	 notification,	you	
           must	include	 your	Credit	Account 	 number,	Social	Security	number,	the	name	of	the 	 consumer - reporting	
           agency	reflecting	the	inaccurate	information,	and	an	explanation	of	why	you 	 believe	the	information	is	
           inaccurate.	You	under stand	that	you	may	also	contact	the	appropriate 	 consumer - reporting	agency	
           directly	at	the	following	address	and	toll - free	number:	Equifax,	P.O. 	 Box	740241,	Atlanta,	GA	30374,	
           1.800.685.1111;	Trans	Union,	P.O.	Box	1000,	Chester,	PA	19022, 	 1.800.916.8800;	or 	 Experian,	P.O.	Box	
           2002,	Allen,	TX	75013,	1.888.397.3742. 	
           32 . 	 Negative	Credit	Reports . 		 YOU	ARE	HEREBY	NOTIFIED	THAT	A	NEGATIVE	CREDIT	REPORT	
           REFLECTING	YOUR	CREDIT 	 HISTORY	WITH	US	MAY	BE	SUBMITTED	TO	A	CREDIT - REPORTING	AGENCY	IF	
           YOU	FAIL	TO	FULFILL 	 THE	T ERMS	OF	YOUR	CREDIT	OBLIGATIONS.	LATE	PAYMENTS,	MISSED	PAYMENTS,	
           OR	OTHER 	 DEFAULTS	ON	YOUR	 CREDIT	CARD	 ACCOUNT	MAY	BE	REFLECTED	IN	YOUR	CREDIT	REPORT. 	
                                  Secured	Credit	Car d	 Agreement 	
           33. 	 Force	Majeure . 		 Unless	otherwise	required	by	applicable	law,	we	are	not	responsible	and	will	
           not	incu r	liability	to	you 	 for	any	failure,	error,	malfunction	or	any	delay	in	carrying	out	obligations	under	
           this	 Cardholder	 Agreement	if 	 such	failure,	error	or	delay	results	from	causes	that	are	beyond	our	
           reasonable	control	(including, 	 but	not	limited	to	inclem ent	weather,	fire,	flood,	acts	of	war	or	terrorism,	
           and	earthquakes). 	
           34. 	 Military	Annual	Percentage	Rate	Disclosure .		 Federal	law	provides	important	protections	to	
           active	d uty	members	of	the	Armed	Forces 	 and	their	dependents	relating	to	extensions	of	cons umer	
           credit.	In	general,	the	cost	of	consumer	credit	to	a	member	of	the	Armed	Forces	and	his	or	her	
           dependent	may	not	exceed	an	annual	percentage	rate	of	36	percent.	This	rate	 must	 include,	as	
           applicable	to	the	credit	transaction	or	account:	The	costs	asso ciated	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	ch arged	(other	than	certain	participation	fees	for	a	credit	card	account).		To	hear	these	disclosures	
           over	the	telephone,	call	the	following	toll - free	number	1 - 844 - 341 - 7800. 	
           35 . 	 State	Disclosures. 	
           California	Residents: 		 After	credit	approval,	each	applicant	 shall	 have	the	right	to	use	the	Credit	Account	
           up	to	the	limit	of	the	account.	Each	applicant	may	be	liable	for	amounts	extended	under	t he	plan	to	any	
           joint	applicant. 	
           Delaware	Residents: 	 	 Service	charges	not	in	excess	of	those	permitted	by	law	will	be	cha rged	on	the	
           outstanding	balances	 of	the	Credit	Account	from	month	to	month. 	
           Kentucky	Residents: 	 	 You	may	pay	the	unpaid	balance	of	your	Credit	Account	i n	whole	or	in	part	at	any	
           time. 	
           Maryland	Residents: 	 	 Finance	charges	will	be	imposed	 on	the	Credit	Accou nt	 in	amounts	or	at	rates	not	
           in	ex cess	of	those	permitted	by	law. 	
           New	Jersey	Residents: 		 Because	certain	provisions	of	this	Agreement	are	subject	to	applicable	law,	they	
           may	be	void,	unenforceable	or	inapplicable	in	some	jurisdictions.	None	of	these	provi sions,	however,	is	
           void,	unenforceable	or	inapplicable	in	New	Jersey. 	
           New	York ,	Rhode	Island 	 and	Vermont	Residents: 	 	 We	may	obtain	a	consumer	credit	report	 for	any	
           legitimate	purpose	in	connection	with	your	Credit	Account	or	your	application,	including	but 	 not	limited	
           to	reviewing,	modifying,	renewing	and	collecting	on	your	Credit	Account.	Upon	your	request,	we	will	
           inform	you	of	the	names	and	addresses	of	any	 credit	reporting	a gencies	t hat	have	furnished	the	reports. 	
           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	admini sters	compl iance	
           with	this	law. 	
           Wisconsin	Residents: 		 If	you	are	married,	by	submitting	your	credit	card	application	you	are	confirming	
           that	this	credit	card	obligation	is	being	incurred	in	the	interest	of	your	marriage	and	your	family.		No	
           provision	of	a	marital	pro perty	agreement,	unilateral	statement	under	Section	766.59	of	the	Wisconsin	
           Statutes,	or	court	order	under	Section	766.70	of	the	Wisconsin	Statutes	adversely	affects	the	interest	of	
           the	creditor	unless	the	creditor,	prior	to	the	time	the	credit	is	granted, 	 is	furnished	a	copy	of	the	
                                  Secured	Credit	Car d	 Agreement 	
           agreement,	statement	or	decree	or	has	actual	knowledge	of	the	adverse	provision	when	the	obligation	
           to	the	creditor	is	incurred.		If	the	credit	card	for	which	you	are	applying	is	granted,	you	will	notify	Green	
           Dot	Bank	if	you	ha ve	a	spouse	who	needs	to	receive	notification	that	cr edit	has	been	extended	to	you. 	
                                    ARBITRATION	NOTICE 	
           THIS	 CARDHOLDER	 AGREEMENT	CONTAINS	AN	ARBITRATION	CLAUSE.	PLEASE	READ	THIS	PROVISION	
           CAREFULLY,	AS	IT	AFFECTS	YOUR	LEGAL	RIGHTS.	IT	PROVIDES	THAT	ANY	CLA IM	RELATING	TO	YOUR	
           ACCOUNT	MAY	BE	RESOLVED	BY	BINDING	ARBITRATION.	YOU	ARE	ENTITLED	TO	A	FAIR	HEARING,	BUT	
           THE	ARBITRATION	PROCEDURES	ARE	SIMPLER	AND	MORE	LIMITED	THAN	RULES	APPLICABLE	IN	
           COURT,	AND	ARBITRATION	DECISIONS	ARE	 SUBJECT	TO	VERY	LIMITED	REVIEW . 	
           CLAIMS	MAY	BE	ARBITRATED	ONLY	ON	AN	INDIVIDUAL	BASIS.	YOU	EXPRESSLY	WAIVE	ANY	RIGHT	
           THAT	YOU	MAY	HAVE	TO	ARBITRATE	A	CLASS	ACTION.	IF	EITHER	PARTY	CHOOSES	TO	ARBITRATE	A	
           CLAIM,	NEITHER	PARTY	WILL	HAVE	THE	RIGHT	TO	LITIGATE	THAT	CLAIM	IN	COURT	OR	TO	HAVE	 A	
           JURY	TRIAL	ON	THAT	CLAIM,	OR	TO	PARTICIPATE	IN	A	CLASS	ACTION	OR	REPRESENTATIVE	ACTION	
           WITH	RESPECT	TO	SUCH	CLAIM. 	
           Arbitration	of	Claims.	 Except	as	expressly	provided	herein,	any	claim,	dispute	or	controversy	(whether	
           based	upon	contract;	tort,	intention al	or	otherwise;	constitution;	statute;	common	law;	or	equity	and	
           whether	pre - existing,	present	or	future),	including	initial	claims,	counter - claims,	cross - claims	and	third -
           party	claims,	 arising	from	or	relating	to	(i) 	 the	Card;	(ii) 	 any	serv ice	relating	t o	the	Card;	(iii) 	 the	
           marketing	of	the	Card;	(iv) 	 this	 Cardholder	 Agreement,	including	the	validity,	enforceability,	
           interpretation,	scope,	or	application	of	the	Agreement	and	this	arbitration	provision	(except	for	the	
           prohibition	on	class	or	other	non - ind ividual	claims,	which	shall	be	 for	a	court	to	decide);	and	(v) 	 any	
           other	agreement	or	instrument	relating	to	the	Card	or	any	such	service	( �Claim� )	 shall	be	decided,	upon	
           the	election	of	you	or	the	Bank	(or	Green	Dot	Corporation	or	the	Bank�s	agents,	emplo yees,	successors,	
           representatives,	affiliated	companies,	or	assigns),	by	binding	arbitration	pursuant	to	this	arbitration	
           provision	and	the	applicable	rules	and	procedures	of	the	arbitration	administrator	in	effect	at	the	time	
           the	Claim	is	filed.	The	Ameri can	Arbitration	Association	(�AAA�)	shall	serve	as	the	arbitration	
           administrator.	You	may	obtain	copies	of	the	current	rules,	forms,	and	instructions	for	initiating	an	
           arbitration	with	the	AAA	by	contacting	the	AAA	as	follows:	on	the	web	at	www.adr.org	or	 by	writing	to	
           AAA	at	1633	Broadway,	 10th	Floor,	New	York,	NY	10019. 	
           Other	Claims	Subject	to	Arbitration.	 In	addition	to	Claims	brought	by	either	you	or	the	Bank,	Claims	
           made	by	or	against	 the	Bank 	 or	by	or	against	anyone	connected	with	you	or	the	Bank	or	c laiming	
           through	you	or	the	Bank	(including	a	second	cardholder,	employee,	agent,	representative,	affiliated	
           company,	predecessor	or	successor,	heir,	assignee,	or	trustee	in	bankruptcy)	shall	be	subject	to	
           a rbitration	as	described	herein. 	
           Exceptions.	 You	an d	we	agree	not	to	invoke	our	right	to	arbitrate	any	individual	Claim	you	bring	in	small	
           claims	court	or	an	equivalent	court	so	long	as	the	Claim	is	pending	only	in	that	court.	This	arbitration	
           provision	also	does	not	limit	or	constrain	the	Bank�s	right	to	 interplead	funds	in	the	event	of	claims	to	
           Collateral	Account	 funds	by	several	parties. 	
           Individual	Claims	Only.	 It	is	the	intent	of	the	parties	to	require	Claims	to	be	submitted	to	arbitration	on	
           an	individual	basis	only.	 Claims	subject	to	this	arbitration 	 provision	may	not	be	joined	or	consolidated	
           in	arbitration	with	any	Claim	of	any	other	person	or	be	arbitrated	on	a	class	basis,	in	a	representative	
           capacity	on	behalf	of	the	general	public	or	on	behalf	of	any	other	person,	unless	otherwise	agreed	to	
           by	t he	parties	in	writing.	 However,	co - applicants,	second	cardholders	and	authorized	users	of	a	single	
                                  Secured	Credit	Car d	 Agreement 	
           Card	and/or	related	cards	are	considered	as	one	person,	and	the	Bank,	its	officers,	directors,	employees,	
           agents,	and	affiliate s	are	considered	as	one	person . 	
           Arbitration	Fees.	 If	you	initiate	arbitration,	the	Bank	will	advance	any	arbitration	fees,	including	any	
           required	deposit.	If	the	Bank	initiates	or	elects	arbitration,	the	Bank	will	pay	the	entire	amount	of	the	
           arbitration	fees,	including	any	required	de posit.	Notwithstanding	any	provision	of	this	arbitration	
           provision	or	the	rules	and	procedures	of	the	arbitration	administrator,	the	Bank	will	be	responsible	for	
           payment	and/or	reimbursement	of	any	arbitration	fees	to	the	extent	that	such	fees	exceed	the	a mount	
           of	the	filing	fees	you	would	have	incurred	if	your	Claim	had	been	brought	in	the	state	or	federal	court	
           nearest	your	residence	with	jurisdiction	over	the	Claims. 	
           Procedure.	 A	single	arbitrator	will	resolve	the	Claims.	The	arbitrator	will	be	a	lawyer	 with	at	least	ten	
           years � 	 experience	or	who	is	a	former	or	retired	judge.	The	arbitration	shall	follow	the	rules	and	
           procedures	of	the	arbitration	administrator	in	effect	on	the	date	the	arbitration	is	filed,	except	when	
           there	is	a	conflict	or	inconsistency 	 between	the	rules	and	procedures	of	the	arbitration	administrator	
           and	this	arbitration	provision,	in	which	case	this	arbitration	provision	shall	govern.	Any	in - person	
           arbitration	hearing	for	a	Claim	shall	take	place	within	the	federal	judicial	district	in 	 which	you	live	or	at	
           such	other	reasonably	convenient	location	as	agreed	by	the	parties.	The	arbitrator	shall	apply	applicable	
           substantive	law	consistent	with	the	Federal	Arbitration	Act,	9	U.S.C.	�	1	 et	seq .	(the	�FAA�)	and	shall	
           honor	all	claims	of	priv ilege	and	confidentiality	recognized	at	law.	All	statutes	of	limitations	that	would	
           otherwise	be	applicable	shall	apply	to	any	arbitration	proceeding.	The	arbitrator	shall	be	empowered	to	
           grant	whatever	relief	would	be	available	in	court	under	law	or	in	eq uity.	At	the	request	of	any	party,	the	
           arbitrator	will	provide	a	written	explanation	of	the	basis	for	the	disposition	of	each	claim,	including	
           written	findings	of	fact	and	conclusions	of	law.	This	arbitration	provision	is	made	pursuant	to	a	
           transaction	inv olving	interstate	commerce,	and	shall	be	governed	by	the	FAA. 	
                                    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	You r	 Billing	 Statement: 	
           If	you	think	there	is	an	 error	on	your	 billing	statement ,	 write	to	us	at: 	
                Green	Dot	Bank 	
                P.O.	Box	9206 	
                Old	Bethpage,	NY	11804 	
                	
           In	your	 letter ,	give	us	the	following	information : 	
             �   Account	information: 		 Your	name	and	 Credit	Account 	 n umber . 	
             �   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	w hy	you	believe	it	is	a	mistake. 	
                	
           You	must	contact	us: 	
             �   Within	60	days	after	the	error	a ppeared	on	your	 billing	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	no tify	us	of	any	potential	errors 	 in	writing .	You	may	call	us,	but	if	you	do	we	ar e	not	required	
           to	investigate	any	potential	errors	and	you	may	have	to	pay	the	amount	in	question. 	
                                  Secured	Credit	Car d	 Agreement 	
           	
           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	hav e	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	no t	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	p ay	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	p ay.	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	set tled	
           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	th e	goods	or	services	that	you	have	purchased	with	your	 C redit	Card,	and	you	
           have	tried	in	good	faith	to	correct	the	problem	with	the	merchant,	you	may	have	the	right	not	to	pay	the	
           remain ing	amount	due	on	the	Purchase. 	
           	
           To	use	this	right,	all	 of	the	followi ng	must	be	true: 	
             (1)   The	Purchase	must	have	been	made	in	your	home	state	or	within	100	miles	of	your	current	
                mailing	address,	and	the	Purchase	price 	 must	have	been	more	than	$50 .	(Note:	Neither	of	these	
                are	necessary	if	your	Purchase	was	based	on	an	advertisem ent	we	mailed	to	you,	or	if	we	own	
                the	company	that	s old	you	the	goods	or	services.) 	
             (2)   You	must	have	used	your	 C redit	Card	for	the	Purchase.	Purchases	made	with	Cash	Advances	
                from	an	ATM	or	with	a	check	that	accesses	your	 Credit	Account	do	not	qualify. 	
             (3)   You	m ust	not	yet	hav e	fully	paid	for	the	Purchase. 	
                	
           If	all	of	the	criteria	above	are	met	and	you	are	still	dissatisfied	with	the	Purchase,	contact	us 	 in	
           writing 	 at: 	 	
                                  Secured	Credit	Car d	 Agreement 	
                Green	Dot	 Bank 	 	
                P.O.	Box	9206 	
                Old	Bethpage,	NY	11804 	
                	
           While	we	investigate,	the	same	rules	appl y	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. 	
           	
           (Rev.	8/2017 )