The Mission Lane Visa® Credit Card

Interest Rates and Interest Charges

Annual Percentage Rate

(APR) for Purchases

19.49% - 29.99% 

Your APR will vary with the market

based on the Prime Rate.*

APR for Cash Advances

27.74% - 29.99%  Your APR will vary with the market based on the

Prime Rate.*

Paying Interest

Your due date is at least 23 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. We will begin charging

interest on cash advances on the transaction date or the ûrst day of

the billing cycle in which the transaction is posted, whichever is later.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the

To learn more about factors to consider when applying for or using a

Consumer Financial

credit card, visit the website of the Consumer Financial Protection

Protection Bureau

Bureau at http://www.consumerûnance.gov/learnmore.

Fees

Annual Fee

$0 - $75

NOTICE: This annual fee will be assessed when you begin using your

card and will reduce the amount of credit you initially have available.

For example, if you are assigned the minimum credit limit of $300,

your initial available credit will be only about $225.

You may still reject this plan, provided that you have not yet used the

account. If you do reject the plan, you are not responsible for any fees
or charges.

Cash Advance

The greater of $10 or 3% of each cash advance.

Transaction Fee
Foreign Transaction

If the transaction occurs at a merchant outside of the U.S., the fee
is 3% of the U.S. dollar amount of the transaction, regardless of

 
g

,

g

whether a currency conversion is performed at the time of the

transaction.

Penalty Fees

Up to $35

Late Payment

How Will We Calculate Your Balance: We use a method called <Average Daily Balance (including new

transactions).= See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in

your Cardholder Agreement.

*How We Calculate Variable Rates: Your APR is a variable rate and may change quarterly. Your APR is

determined by adding a margin of 16.24% - 26.74% for Purchases and 24.49% - 26.74% for Cash Advances to

the Prime Rate. The Prime Rate used to determine your APR for the billing cycle is the highest rate appearing in

The Wall Street Journal on the 16th day of the calendar months of March, June, September, and December. If

the Prime Rate has changed, the new rates will take effect within the next two billing periods after the change.

Any increase in the Prime Rate may increase your interest charges and your minimum payment.

THE MISSION LANE VISA® CREDIT CARD
CARDHOLDER AGREEMENT

(Effective June 2019)

This Mission Lane Visa® Credit Card Cardholder Agreement, together with your

Mission Lane Visa® Credit Card Account Opening Disclosure, Arbitration Agreement,

card carrier and credit card application (collectively, this <Agreement=) govern the use of

The Mission Lane Visa® Credit Card (<Card=) and related credit account (<Account=). All

of the separate documents governing the Account, and any future changes we may

make to this Agreement, are part of this Agreement. Please read this Agreement and

retain a copy for your records. The date of this Agreement is set forth on your card

carrier. However, this Agreement will only become effective if and when you (or a

person authorized by you) activate your card by following the instructions on the sticker

on the card, by contacting us with your request to activate the card, and make a

transaction using the card. Prior to then, you will not be responsible for any Card

transaction if the Card is lost or stolen. Your ûrst transaction must be a Purchase (as

deûned below) and not a Cash Advance (as deûned below). Your use of the Card is

your consent to be bound by the terms of this Agreement.

The Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank (<TAB=), Ogden,

UT, pursuant to a license from Visa U.S.A. Inc. TAB is the creditor and Card issuer. As

used in this Agreement, <we,= <us,= and <our= mean TAB, and any assignee of its rights.

The words <you= and <your= mean all persons responsible for complying with this

A

t i

l di

th

li

t th

dh ld

t

d th

t

Agreement, including the applicant, the cardholder, any guarantor and the person to

whom we address Account statements.

Use of the Card and Account: You may use the Card to make transactions only for

personal, family or household purposes from any person or establishment accepting the

Card (each such transaction, a <Purchase=), to obtain cash advances from us or obtain

cash or cash equivalents (each such transaction, a <Cash Advance=) and to take

advantage of other features of the Card. Cash Advances include: (a) using any

convenience check we provide you; (b) obtaining funds through an automated teller

machine (ATM) or a ûnancial institution; (c) purchasing a wire transfer, money order,

foreign currency, travelers checks, lottery ticket, stored value load or other item that is a

cash equivalent; (d) making a balance transfer from another account if we allow such

transfers; or (e) engaging in any similar transaction.

You agree to use the Card and Account only for legal and lawful purposes. Neither the

Card nor the Account may be used for gambling purposes, whether online or otherwise,

or for the purpose of paying us on this or any other form of credit account you may have

with us. If you do use your Card for any such purpose, you 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

Promise to Pay: You promise to pay us for all amounts charged to the Account,

including all transactions, interest, fees and charges 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.

Servicer: Mission Lane LLC (<Mission Lane=), along with its partners and service

providers, is the servicer of your Card and Account. In that capacity, Mission Lane may

act on our behalf, perform our obligations, or enforce our rights under this Agreement.

Credit Limits: We will extend credit to your Account up to a maximum amount for

Purchases (your <Credit Limit=). On your billing statements, we will provide information

about your Credit Limits and remaining credit as of the billing statement date. You agree

not to exceed your Credit Limit. However, if you exceed your Credit Limit, we may

authorize the transaction without increasing your Credit Limit, and you will remain liable

for all amounts payable under this Agreement. At our discretion, we may block

transactions that would exceed your Credit Limit.

We will evaluate your Account at least once within the ûrst 12 months of the Account

opening to determine whether your Account is eligible for an increase in Credit Limit

based on certain factors, including but not limited to: 1) your history of on-time

payments; 2) whether the Account is or has been over the Credit Limit; 3) whether or

t th A

t i

tl

h

b

t i t d f

h

i

i

il

4) h th

not the Account is currently or has been restricted from charging privileges; 4) whether

or not you have closed the Account or have ûled for bankruptcy; 5) whether you have

an actual ability to pay the higher credit limit. At our discretion, and subject to applicable

law, we may change your Credit Limit at any time without advance notice to you.

Cash Advance Limit: Your Account is subject to a Cash Advance limit equal to 25% of

your total Credit Limit ("Cash Advance Limit"). This means we will not honor Cash

Advance transactions that would cause the total amount of outstanding and unpaid

Cash Advances to exceed 25% of your overall credit limit.

Payments:

Minimum Payment. Your Account will be on a monthly billing cycle. Each billing cycle,

you must pay at least the minimum payment amount by the payment due date shown

on your billing statement (<Payment Due Date=). As speciûed in your Cardholder

Agreement, the minimum payment is the greater of (a) $25 or $35 (the <Minimum

Amount= identiûed in your Cardholder Agreement), and (b) one of the following

(<Minimum Payment=):

3% of the new balance (rounded up to the nearest dollar), or

1% of the new balance, plus the total billed interest charges and fees we have

billed you on the statement for which your minimum payment is calculated,

excluding your annual fee (rounded up to the nearest dollar), or

1% of the new balance, plus the total billed interest charges on the statement for

which your minimum payment is calculated (rounded up to the nearest dollar).

Any new balance less than the Minimum Amount is payable in full. The Minimum

Payment will also include any amount past due.

If you make a payment greater than your Minimum Payment, this does not affect your

obligation to make the Minimum Payment due on the next billing statement. We do not

pay interest on overpayments or any other credit balances created on your Account.

Credits to your Account, such as from merchants, are generally not considered

payments and will not reduce your Minimum Payment amount.

When Payments Are Due. We must receive at least the Minimum Payment due on your

Account by 5:00 p.m. Eastern Time on the Payment Due Date of each billing period

(<Cut-Off Time=). Payments received after the Cut-Off Time will be credited as of our

next business day. Credit to your Account may be delayed for up to ûve (5) days if we
accept a payment that does not adhere to the requirements set forth in this section and

on your statement. The available credit on your Account may not reüect your payment

for up to ûve (5) business days 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 your

payment prior to the Cut-Off Time.

We may accept late payments, partial payments, or any payments marked or specially

designated as being payment in full or as being similarly in settlement of any dispute,

without losing any of our rights under this Agreement or under the law to collect all

amounts due and payable on your Account. Our acceptance of such payments does not

mean we agree to change this Agreement in any way.

Payment Options. You can pay online through your online account, by mail, or by

setting up automatic payments. Your payment must be made in U.S. dollars with a draft

or a check drawn on a U.S. bank and payable in U.S. dollars, or with a telephonic or

electronic payment authorization in U.S. dollars. You agree not to send us any post-

dated checks. If you do, we may deposit it immediately upon receipt, despite the later

date on the check.

Payment Allocation. We will apply the required Minimum Payment to balances on your

Account using any method we choose, in accordance with applicable laws and

regulations. Although your Minimum Payment will be applied in any order at our

discretion, payments in excess of the Minimum Payment will be applied to balances

with the highest APR ûrst and then to lower rate balances in descending order of APR.

Calculation of Finance Charge and Average Daily Balance:

Daily Periodic Rates. The daily periodic rates for Purchases and Cash Advances are

based on APR for Purchases and Cash Advances, respectively, which may be adjusted

monthly. The current daily periodic rate for Purchases and Cash Advances on your

Account is calculated by taking the applicable APR divided by 365 (<Daily Periodic

Rate=).

How We Calculate Interest. We use the average daily balance (<ADB=) method

(including new transactions) to calculate interest on your Account. We calculate the

interest charge for each type of balance on your Account by applying the Daily Periodic

Rate to the ADB. Then, we multiply this amount by the number of days in the billing

cycle.

Interest charge = daily periodic rate x ADB x number of days in the billing cycle.

The ADB for Purchases and Cash Advances are calculated separately, starting with the

beginning balance on the ûrst day of each billing cycle. The beginning balance on the

ûrst day of the billing cycle includes the following:

The prior billing cycle’s ending balance, which includes any applicable unpaid fees

posted to your Account in the prior billing cycle, and

Any late payment fees posted in the current billing cycle that are related to a late
payment in the prior billing cycle.

To get the ADB for each type of balance, we take the beginning balance each day and

add any new transactions (including fees). Then, we subtract any payments or credits. If

speciûed in your Cardholder Agreement, we may also subtract non-accruing fees and

unpaid interest charged. Depending on your Account and if speciûed in your Cardholder

Agreement, except for the ûrst day of each billing cycle, we add interest equal to the

previous day’s balance multiplied by the Daily Periodic Rate. (This means interest is

compounded daily.) This gives us the daily balance. Transactions subject to a grace

period are not added to the daily balances. Any daily balance that is a credit balance

will be treated as zero. Then, we add up all the daily balances for the billing cycle. We

divide this amount by the number of days in the billing cycle. This gives us the ADB.

ADB = sum of daily balances ÷ number of days in the Billing Cycle.

Minimum Interest Charge. If you are charged interest in a billing cycle, the charge will

be no less than $0.50 on Purchases and Cash Advances.

When Interest Charges Begin: Your due date is at least 23 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 as shown on your billing statement for that billing cycle.

There is no grace period for Cash Advance transactions, and the interest charge begins

to accrue from the date you obtained the Cash Advance, or the ûrst day of the billing

period in which it is posted to your Account, whichever is later.

Preauthorized 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 also authorize us to provide updated

information to the merchant at our discretion. You must contact the merchant if you

want to cancel automatic billing.

Foreign Currency Transactions: If you make a transaction using your Account in a

foreign currency (including, for example, online purchases from a merchant located

outside of the U.S.), the transaction will be converted to U.S. dollars based on a rate

selected by VISA U.S.A. Inc. (or any of its afûliates) from the range of rates available in

wholesale currency markets for the applicable central processing date (which may vary

from the rate VISA U.S.A. Inc. itself receives) or the government-mandated rate in effect

for the applicable central processing date. The currency conversion rate used by VISA

U.S.A. Inc. (or any of its afûliates) on the currency conversion date may differ from the
exchange rate in effect on the day you made the transaction or on the day the

transaction is posted to your Account. Our fee is a percentage of the U.S. dollar amount

of the transaction.

Check Conversion Notiûcation; Electronic Check Re-Presentment: If you provide a

check as payment, you authorize us and our servicers or agents either to use

information from your check to make a one-time electronic fund transfer from your bank

account or to process the payment as a check transaction. When we use information

from your check to make an electronic funds transfer, funds may be withdrawn from

your bank account as soon as the same day we receive your payment, and you will not

receive your check back from your ûnancial institution. In the event a check is returned

unpaid for insufûcient or uncollected funds, we may re-present the check electronically.

Fees: We will charge the following fees, subject to applicable law:

Annual Fee. We will charge an annual fee of $0 - $75 each year, whether or not you use

the Account, and whether or not you have active charging privileges. Unless waived

your ûrst year, your annual fee will be charged upon the ûrst transaction on the Account

and then annually thereafter.

Late Payment Fee. If we do not receive the Minimum Payment due on your Account by

the Payment Due Date, we will charge a late payment fee of $25, or if speciûed in your

Cardholder Agreement, $25 for the ûrst occurrence and $35 for the second and

subsequent late payments that occur within six (6) months of the ûrst occurrence.

However, we will not charge a late payment fee exceeding the Minimum Payment

amount that is late. We reserve the right to not assess a late payment fee on certain

Accounts as we deem appropriate.

Cash Advance Fee. For each Cash Advance, we will charge a fee of either $10 or 3%

of the amount of the Cash Advance, whichever is greater. The Cash Advance Fee is

treated as a transaction and added to your balance.

Events of Default: 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 that exceeds 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 or your credit card application was false or misleading;

(6) you breach any terms under any other agreement that you have with us, Mission

Lane or with any of their afûliates; (7) you ûle for bankruptcy or some other insolvency

proceeding is ûled 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.

Default Remedies: 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.

Entire Agreement: You acknowledge that this Agreement, as amended (which includes

your Account Opening Disclosure, Arbitration Agreement, card carrier and credit card

application) 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.

Waiver: 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.

Customer Privacy: Our privacy policy is provided separately in accordance with

applicable law and can also be viewed online at https://www.missionlane.com/privacy.

Assignment: We may at any time and without notifying you, sell, transfer or otherwise

assign your Account or any Account balances to any party at any time. You may not

assign or transfer your Account or any of your rights and obligations under this

Agreement. Any such assignment or transfer by you will be void.

Change of Terms: We may change the terms of this Agreement at any time, including

any additions or deletions to the terms in this Agreement. These changes may apply to

existing and future balances on your Account as of the effective date of the change to

the extent permitted under applicable law. We will give you advance written notice of

any change and a right to reject the change if required by law. We may require you to

close your Account or take other actions if you reject the changes. Any change to any

term of this Agreement will not excuse your obligation to pay all amounts owed under

this Agreement.

Special Offers: At our option, we may make a special offer to you at any time. A

special offer may apply for a limited period of time and may be extended to certain

cardholders based on criteria that we may determine in our sole discretion. Each

special offer will be governed by the terms of that offer and this Agreement. We will

provide you the terms applicable to a special offer at the time we offer it to you. Special

offer terms may temporarily modify certain terms of this Agreement for qualifying

payments or transactions. All other terms of this Agreement remain unchanged. Any

such special offer will not limit or affect any of our rights we have under this Agreement

or applicable law.

Suspension/Revocation/Cancellation: 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, interest and fees 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 the Card or

return the Card to us at our request. If a merchant that accepts Cards asks you to

surrender an expired or revoked Card, you must do so. 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. 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. We may then reinstate your Account.

Severability: Subject to the Arbitration Agreement: (1) if any part of this Agreement

conüicts 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.

Events Outside of Our Control: We do not guarantee that you will always be able to

make Purchases with your Card or your Card will always be accepted when you attempt

to use it. We are not responsible and will not be liable for any Card or other failures

resulting from events outside of our reasonable control.

Communications: To the extent permitted by applicable law, you agree that we have

your express written permission and consent authorizing us, our afûliates, servicer,

agents, assigns, marketing associates and service providers (collectively, the

<Messaging Parties=) to contact you using automatic telephone dialing systems, artiûcial

or prerecorded voice message systems, text messaging systems and automated email

systems in order to provide you with information about this Agreement or your Account,

including information about upcoming Payment Due Dates, missed payments and

returned payments. You authorize the Messaging Parties to make such contacts using

any telephone numbers, email addresses, or mailing addresses you supply to any of

the Messaging Parties or that we obtain through any legal means. You understand that

anyone with access to your telephone or email account may listen to or read the

messages the Messaging Parties leave or send you, and you agree that the Messaging

Parties will have no liability for anyone accessing such messages. You further

understand that, when you receive a telephone call, text message or email, you may

incur a charge from the company that provides you with telecommunications, wireless

and/or internet services, and you agree that the Messaging Parties will have no liability

for such charges except to the extent required by applicable law. You expressly

authorize the Messaging Parties to monitor and record your calls with the Messaging

Parties. You understand that, at any time, you may withdraw your consent to receive
text messages and calls to your cellphone or to receive artiûcial or prerecorded voice
message system calls by calling the Messaging Parties at 855-790-8860 or by sending
a request by email to support@missionlane.com with the subject line <END

COMMUNICATIONS.=. To stop text messages, you can also simply reply <STOP= to any

text message the Messaging Parties send you. To stop certain emails, you can follow

the opt-out instructions included at the bottom of the Messaging Parties’ emails.

Credit Reports: You understand and agree that we may obtain a consumer credit

report in connection with your request for credit and in connection with any updates,

renewals or extensions of any credit as a result of your request. If you ask, you will be

informed whether or not such a report was obtained and, if so, the name and address of

the agency that furnished the report. You understand and agree that we may obtain a

consumer credit report in connection with the review or collection of any transaction on

your Account or for other legitimate purposes related to such transactions. California

Residents - you agree to waive your right to keep conûdential from us information under

Section 1808.21 of the California Vehicle Code.

Information Reporting: We may report information about your Account to other

creditors, other ûnancial institutions and credit bureaus. Late payments, missed

payments, returned payments, or other defaults on your Account may be

reüected in your credit report.

Inaccurate Information: You have the right to dispute the accuracy of information we

have reported. If you think any information about your Account that we have reported to

a credit bureau is incorrect, you can notify us by calling us at 855-790-8860 or writing to

us at the Notice Address provided above, Attn: Credit Reporting. Include your name,

address, Account number, 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 will let you know if we agree or disagree with you. If we agree with you, we

will contact the consumer reporting agency we reported to and request a correction.

Notices and Change in Information: You must send any notices to Mission Lane LLC,

P.O. Box 105286, Atlanta, GA 30348, Attn: Notice (<Notice Address=). To the extent

permitted under applicable law, any notice you send us will not be effective until we

receive it and have had a reasonable opportunity to act on such notice. Any written or

electronic correspondence we send to you will, however, be effective and deemed

delivered when mailed to you at your mailing address or your email address if you have

authorized electronic communications, in each case as it appears on our records. You

must notify us of any changes to your name, mailing or email address, cell phone or

home telephone number within 15 days of such change. You can notify us by calling us

toll-free at 855-790-8860 or by writing to Mission Lane at the Notice Address provided

above, Attn: Change of Info. All bankruptcy notices and related correspondence to us

may be sent to us at Mission Lane at the Notice Address provided above, Attn:

Bankruptcy Notice.

Identity Theft: If you believe that you have been the victim of identity theft in

connection with your Account, contact us at 855-790-8860 or

support@missionlane.com to request an Identity Theft Afûdavit. You should send us a

police report or written statement in the form we provide you alleging that you are the

victim of identity theft for a speciûc debt. Once we receive your documentation, we will

cease debt collection activity until we have reviewed the materials, determined that the

debt is still collectible, complied with all obligations described in the Billing Rights Notice

below and sent you a written notice describing the basis for our determination.

Lost or Stolen Card: You agree to promptly notify us if you believe that your Card has

been lost or stolen or that someone has used or may use your Card or Account without

your permission. You agree to assist us in determining the facts, circumstances and

other pertinent information related to any loss, theft or possible unauthorized use of

your Card or Account and to comply with such procedures as we may reasonably

require in connection with our investigation, including the ûling of one or more reports

with the appropriate law enforcement authorities. Subject to applicable law, you

acknowledge and agree that we may terminate our investigation if you fail to provide us

with any such assistance or to comply with such procedures, and we otherwise have no

knowledge of facts conûrming the unauthorized use of your Card or Account. In such

circumstances, we will deem any such use as having been authorized by you and you

will be liable for the amount of any transactions plus interest charges and fees incurred

with any such use.

Governing Law: 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 Utah without regard to its conüicts of law principles.

Inadvertent Overcharges: It is not our intention to charge any interest charges, fees or

other amounts in excess of those permitted by applicable law or this Agreement. If any

interest charge, fee or other amount is ûnally 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.

Collection Proceedings: To the extent permitted by applicable law, you agree that, in

any collection proceeding by us, our servicer, or a direct or indirect purchaser of your

indebtedness to us, unless you provide afûrmative evidence, sufûcient to the ûnder of

fact, that our business records are incorrect, the records we maintain in the ordinary

course of business, including monthly statements and/or summaries of information in

our computer records, certiûed by any custodian of our records as accurate reüections

of statements or information in our business records, provide adequate proof of the

amounts due hereunder.

Headings: The section captions of this Agreement are inserted only for convenience
and are in no way to be construed as substantive parts of this Agreement.

ARBITRATION AGREEMENT

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 PROMPTLY REJECT IT, THE

ARBITRATION AGREEMENT WILL HAVE A SUBSTANTIAL AFFECT 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.

ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT

PROCEDURES.

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. 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.

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 ûled

concerning the Claim or with respect to other Claims brought later in the lawsuit, and it

may be given by papers ûled in the lawsuit such as a motion to compel arbitration. If

you elect arbitration you must notify us in writing at Mission Lane LLC, P.O. Box

105286, Atlanta, GA 30348, Attn: Arbitration. If we elect arbitration we will notify you in

writing at your last known address on ûle.

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 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 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 Qualiûcations of Arbitrators and Arbitration Procedures: All arbitrators

will be required to be practicing attorneys or retired judges and will be required to be

experienced and knowledgeable in the substantive laws applicable to the subject matter

of the dispute. 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

ûling, 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 ûnal 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 ACCOUNTHOLDER. 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 monetary relief.

In California: If an action or proceeding is initiated before any court in California and

neither you nor we request that the dispute be submitted to arbitration, then, upon

motion by either you or us, the dispute shall be heard by an active attorney or a retired

judge selected by the American Arbitration Association (AAA) who is then appointed by

the court in which the action commenced, according to the reference provision of the

California Code of Civil Procedure, Section 638 et seq. This reference process is not

subject to a trial by jury; the trial is conducted before the active attorney or retired judge

under California law.

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 ûnal 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: (1)

termination or changes in the Agreement, the Account, or the relationship between you
and us concerning the Account; (2) the bankruptcy of any party; and (3) 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 Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348,

Attn: Arbitration Rejection Notice, within thirty (30) calendar days after your

Account is opened. Any rejection notice must include your name, address, email

address, telephone number and Account 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.

STATE NOTICES

All Accounts, including California and Utah Residents: As required by law, you are

hereby notiûed that a negative credit report reüecting on your credit record may be

submitted to a credit reporting agency if you fail to fulûll the terms of your credit

obligations.

Arizona: Mission Lane LLC does business in Arizona under the trade name Mission

Lane Card Services LLC.

California: A married applicant may apply for a separate account. After approval, each

applicant shall have the right to use this account to the extent of the credit limit set by

the creditor and each applicant may be liable for the amount extended under this

account to any joint applicant. As required by law, you are hereby notiûed that a

negative credit record may be submitted to a credit reporting agency if you fail to fulûll

the terms of your credit obligations.

Delaware: Service charges not in excess of those permitted by law will be charged on

the outstanding balances from month to month.

Ohio: 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.

Wisconsin: Your signature conûrms 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. Married

residents of Wisconsin applying for an individual account must give us the name and

address of their spouse if the spouse is also a Wisconsin resident. Please provide this

information to us at Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348.

YOUR CARDHOLDER AGREEMENT INCLUDES AN ARBITRATION AGREEMENT.

PLEASE SEE BELOW FOR DETAILS.

By: Transportation Alliance Bank, Inc. dba TAB Bank

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, write to us at: Mission Lane LLC, P.O.

Box 105286, Atlanta, GA 30348, Attn: Billing Dispute.

In your letter, give us the following information:

Account information: Your name and account number.

Dollar amount: The dollar amount of the suspected error.

Description of problem: If you think there is an error on your bill, describe what you

believe is wrong and why you believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on your statement.

At least 3 business days before an 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 Letter.

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your

letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain

to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent on that

amount.

The charge in question may remain on your statement, and we may continue to

charge you interest on that amount.

While you do not have to pay the amount in question, you are responsible for the

remainder of your balance.

We can apply any unpaid amount against your credit limit.

After we ûnish 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 ûrst $50 of the

amount you question even if your bill is correct.

Your Rights If You Are Dissatisûed With Your Credit Card Purchases.

If you are dissatisûed 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 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. (Note: Neither of these are necessary if your purchase was based on an

advertisement we made to you, or if we own the company that sold you the goods

or services.)

2. You must have used your credit card for the purchase. Purchases made with cash

advances from an ATM do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisûed with the purchase,

contact us in writing at: Mission Lane LLC, Customer Service, P.O. Box 30495, Tampa,

FL 33630-3495.

While we investigate, the same rules apply to the disputed amount as discussed above

under the section entitled <While we investigate whether or not there has been an error.=

After we ûnish 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.