Important	 �Disclosures 	 �
             	 �
             Interest	 �Rate	 �and	 �Interest	 �Charges 	 �
             Annual	 �Percentage	 �Rate	 �(APR) 	 � 	 � 19.99% 	 �
                                          Your	 �due	 �date	 �is	 �at	 �least	 �25	 �days	 �after	 �the	 �close	 �
                                          of	 �each	 �billing	 � cycle.	 �We	 �will	 �not	 �charge	 �you	 �any	 �
                                          interest	 �on	 �Standard	 �Purchases	 �if	 �you	 �pay	 �your	 �
             Paying	 �Interest 	 � 	 �
                                          entire	 �balance	 �by	 �the	 �due	 �date	 �each	 �month.	 �	 �We	 �
                                          will	 �begin	 �charging	 �interest	 �on	 �Promotional	 �
                                          Purchases	 �on	 �the	 �posting	 �date. 	 �
                                          If	 �you	 �are	 �charged	 �interest, 	 � the	 �charge	 �will	 �be	 �no	 �
             Minimum	 �Interest	 �Charge 	 �
                                          less	 �than	 �$2.00. 	 �
                                          To	 �learn	 �more	 �about	 �factors	 �to	 �consider	 �when	 �
                                          applying	 �for	 �or	 �using	 �a	 �credit	 �card,	 �visit	 �the	 �
             For	 �Credit	 �Card	 �Tips	 �from	 �the	 �Consumer	 �
                                          website	 �of	 �the	 �Consu mer	 �Financial	 �Protection	 �
             Financial	 �Protection	 �Bureau 	 �
                                          Bureau	 � at 	 �
                                          http://www.consumerfinance.gov/learnmore. 	 �
             Fees 	 �
             Annual	 �Fee 	 �           None . 	 �
             Transaction	 �Fees 	 �     3% 	 � of	 �each	 �transaction	 � after	 � it	 �is	 �converted 	 � to 	 �
             Foreign	 �Purchase	 �Transaction 	 � US	 �dollars	 � 	 �
             Penalty	 �Fees 	 �
                                          up	 �to	 � $35 	 �
             Late	 �Payment	 �Fee 	 �
             Return	 �Check	 �Fee 	 �  up	 �to 	 � $35 	 �
             	 �
             How	 �Lender	 � Will	 �Calculate	 �your	 �Balance: 	 � Lender	 �uses	 �a	 �method	 �called	 �"average 	 � daily	 �
             balance"	 �(including	 �new	 �p urchases). 	 � 	 � See	 �your	 �Card	 �Agreement	 �for	 �more	 �details. 	 �
             	 �                          	 �                         1 	 �
             Billing	 �Rights :	 �Information	 �on	 �your	 �rights	 �to	 �dispute	 �transactions	 �and	 �how	 �to	 �exercise	 �
             those	 �rights	 �is	 �pr ovided	 �in	 �the	 �Blispay	 �Visa	 �Card	 �Agreement	 �that	 �you	 �will	 �agree	 �to	 �below. 	 �
             	 �
             Important	 �information	 �about	 �procedures	 �for	 �opening	 �a	 �new	 �account. 	 � To	 �help	 �the	 �
             government	 �fight	 �the	 �funding	 �of	 �terrorism	 �and	 �money	 �laundering	 �activities,	 �Federal	 �law	 �
             requires	 �all	 �finan cial	 �institutions	 �to	 �obtain,	 �verify,	 �and	 �record	 �information	 �that	 �identifies	 �
             each	 �person	 �who	 �opens	 �an	 �account. 	 � What	 �this	 �means	 �for	 �you: 	 � When	 �you	 �open	 �an	 �
             account,	 �Lender	 �will	 �obtain	 �your	 �name,	 �address,	 �date	 �of	 �birth,	 �and	 �other	 �information	 �
             that	 �will	 �allow	 �Len der	 �to	 �identify	 �you.	 �Lender	 �may	 �verify	 �this	 �information	 �with	 �you	 �and	 �
             others.	 �Lender	 �may	 �also	 �request	 �to	 �see	 �your	 �driver's	 �license	 �or	 �other	 �identifying	 �
             documents. 	 �
             	 �
             Military	 �Lending	 �Act/Customers	 �in	 �the	 �armed	 �forces	 �and	 �their	 �dependents: 	 � Federal	 �law	 �
             provides 	 � important	 �protections	 �to	 �members	 �of	 �the	 �Armed	 �Forces	 �and	 �their	 �dependents	 �
             relating	 �to	 �extensions	 �of	 �consumer	 �credit.	 �In	 �general,	 �the	 �cost	 �of	 �consumer	 �credit	 �to	 �a	 �
             member	 �of	 �the	 �Armed	 �Forces	 �and	 �his	 �or	 �her	 �dependents	 �may	 �not	 �exceed	 �an	 �annual	 �
             percentage	 �rate 	 � of	 �36%. 	 � This	 �rate	 �includes	 �the	 �interest	 �charged	 �on	 �your	 �account	 �plus	 �
             fees	 �on	 �your	 �account	 �when	 �applicable. 	 � If	 �you	 �would	 �like	 �to	 �hear	 �about	 �your	 �Military	 �
             Lending	 �Act	 �rights	 �and	 �a	 �description	 �of	 �your	 �payment	 �obligation,	 �please	 �contact	 �us	 �
             at 	 � 877 -�? 907 -�? 7475. 	 �
             	 �
             B y	 �submitting	 �your	 �application	 �you	 �acknowledge	 �that	 �(1)	 �the	 �information	 �you	 �have	 �
             provided	 �is	 �accurate,	 �(2)	 �you	 �have	 �read	 �and	 �agree	 �to	 �the 	 � Blispay	 �Card	 �Agreement ,	 �and	 �
             (3)	 �you	 �are	 �at	 �least	 �18	 �years	 �of	 �age.	 � 	 � You	 �also	 �agree	 �that	 �you	 �are	 �submitting	 �an	 �
             applicatio n	 �for	 �credit,	 �that	 �you	 �consent	 �to	 �us	 �obtaining 	 � your	 �credit	 �report	 �to	 �use	 �as	 �part	 �
             of	 �this	 �application	 �and	 �that	 �we 	 � will	 �use	 �the	 �information	 �you	 �provide	 �in	 �this	 �application	 �
             and	 �information	 �from	 �third	 �parties	 �(such	 �as	 �credit	 �bureaus)	 �to	 �determine	 �your	 �eligibil ity	 �
             for	 �credit.	 � 	 � 	 �
             	 �
             	 �
             STATE	 �NOTICES	 � 	 �
             	 �
             CALIFORNIA	 �RESIDENTS:	 � If	 �you	 �are	 �married,	 �you	 �may	 �apply	 �for	 �a	 �separate	 �account.	 � 	 �
             	 �
             NEW	 �YORK,	 �RHODE	 �ISLAND	 �AND	 �VERMONT	 �RESIDENTS:	 � A	 �consumer	 �credit	 �report	 �may	 �
             be	 �obtained	 �in	 �connection	 �with	 �evaluating	 �your	 �application	 �and	 � subsequently	 �in	 �
             connection	 �with	 �updates,	 �renewals,	 �or	 �extensions	 �of	 �credit	 �for	 �which	 �this	 �application	 �is	 �
             made.	 �Upon	 �your	 �request,	 �we	 �will	 �tell	 � you 	 � the	 �name	 �and	 �address	 �of	 �the	 �consumer	 �
             reporting	 �agency.	 �	 �By	 �submitting	 �an	 �application	 �you	 �consent	 �to	 �our	 �obtai ning	 �such	 �
             consumer	 �credit	 �reports. 	 �
             	 �
             NEW	 �YORK	 �RESIDENTS :	 �New	 �York	 �residents	 �may	 �contact	 �the	 �New	 �York	 �Department	 �of	 �
             Financial	 �Services	 �by	 �telephone	 �or	 �visit	 �its	 �website	 �for	 �free	 �information	 �on	 �comparative	 �
             	 �                          	 �                         2 	 �
             credit	 �card	 �rates,	 �fees,	 �and	 �grace	 �periods.	 �New	 �York	 � Department	 �of	 �Financial	 �Services	 �1 -�?
             877 -�? 226 -�? 5697	 �or 	 � www.dfs.ny.gov . 	 �
             	 �
             OHIO	 �RESIDENTS:	 � The	 �Ohio	 �laws	 �against	 �discrimination	 �require	 �that	 �all	 �creditors	 �make	 �
             credit	 �equally	 �available	 �to	 �all	 �creditworthy	 �customers,	 �and	 �that	 �credit	 �reporting 	 � agencies	 �
             maintain	 �sep arate	 �credit	 �histories	 �on	 �each	 �individual	 �upon	 �request.	 �The	 �Ohio	 �Civil	 �Rights	 �
             Commission	 �administers	 �compliance	 �with	 �this	 �law.	 � 	 �
             	 �
             WISCONSIN	 �RESIDENTS:	 � No	 �marital	 � property	 �agreement, 	 � unilateral	 �statement	 �or	 �a	 �court	 �
             order 	 � adversely	 �affects	 � our	 �rights, 	 � unless	 � you	 �give	 �us 	 � a	 �copy	 �of	 � such	 �agreement,	 �
             statement	 �or	 �court	 �order	 �before	 �we	 �grant	 �you	 �credit, 	 � or	 � we	 �have 	 � actual	 �knowledge	 �of	 � its	 �
             terms	 �before	 �your	 �account	 �is	 �opened. 	 � 	 � If	 �we	 �grant	 �you	 �credit	 �and	 �you	 �are	 �married,	 �you	 �
             agree	 �to	 �send	 �us	 �the	 �name	 �and	 �address	 �of	 �you r	 �spouse	 �to	 �Blispay,	 �PO	 �Box	 �84032,	 �
             Columbus	 �GA	 �31908 -�? 4032,	 �so	 �that	 �we	 �can	 �provide	 �account	 �information	 �to	 �your	 �spouse.	 � 	 �
             	 �
                                                            last	 �updated	 �0 9 / 0 7 /1 7 	 �
             	 �
             	 �                	 �
             	 �                          	 �                         3 	 �
             Blispay 	 � Card 	 � A greement 	 �
             	 �
                1.   Definitions 	 �
                2.   How	 � Blispay 	 � Card 	 � works 	 �
                3.   Making	 �payments 	 �
                4.   Fees	 �and	 �interest 	 �
                5.   When	 �things	 �go	 � wrong 	 �
                6.   Arbitration	 � Provision	 � 	 �
                7.   L egal	 � 	 �
                8.   Communications 	 � and	 � i nformation	 � s haring 	 �
             	 �
             The	 � Blispay 	 � Visa 	 � Card 	 � is	 �a	 �credit	 �card , 	 � so	 �we	 �will	 �go 	 � through	 �a	 �process	 �to	 �determine	 �
             whether	 � you	 �meet	 �the	 �criteria 	 � required	 �for	 �us	 �to 	 � make	 �you	 �a	 �loan.	 �	 �We	 �use	 �multiple	 �
             sources	 �of	 �information	 �to	 �make	 �this	 �decision	 �including	 � information	 �you	 �provide	 �to	 �us,	 �
             credit	 �reports,	 �identity	 �databases,	 �and	 �other	 �sources	 �of	 �information,	 �and	 �then	 �use	 �our	 �
             own	 �programs 	 � and	 �processes 	 � to	 �make	 �a	 �decision	 �on 	 � whether	 �we	 �can	 �make	 �you	 �a	 �loan.	 �	 � If 	 �
             you	 �are	 �approved	 �we	 �will	 �give	 �you	 �a	 ��revolving	 �line	 �of	 �credit�.	 �	 �What	 �this	 �means	 �is	 �that	 �
             you	 �can	 �borrow	 �on	 �that	 �loan	 �up	 �to	 �a	 �certain	 �amount	 �(this	 �is	 �your	 �credit	 �line)	 �and	 �as	 �you	 �
             pay	 �that	 �loan	 �down	 �that	 �amount	 �becomes	 �av ailable	 �ag ain	 �for	 �you	 �to	 �borrow ,	 �just	 �like	 �
             most 	 � other	 �credit	 �card s .	 �	 � 	 �
             	 �
             This	 �is	 �an	 �agreement	 � (Agreement)	 � betwe en	 �you	 �and	 � First	 �Electronic	 �Bank	 �a	 �Utah	 �
             industrial	 �bank	 �(the	 �Bank) .	 � 	 � You	 �promise	 �that	 �you	 �are	 �of	 �legal	 �age	 �in	 �your	 �state	 �of	 �
             residence	 �and	 �that	 �you	 � are	 �a	 �resident	 �of	 �the	 �US . 	 � You	 �agree	 �that	 �you	 �are	 �an	 �individual	 �
             and	 �are	 �using	 �this	 �account	 �for	 �personal,	 �family	 �or	 �household	 �purposes. 	 �	 � This	 �Agreement	 �
             include s	 �an	 � a rbitration	 � provision	 � and 	 � a	 �class	 �action	 �w aiver. 	 �	 � If	 �you	 �are	 �covered	 �by	 �the	 �
             M ilitary	 � L ending	 � A ct 	 � the	 �arbitration	 �provision	 �and	 �class	 �action	 �waiver	 �does	 �not	 �apply	 �to	 �
             you. 	 �
             	 �
             1.   DEFINITIONS 	 �
             The	 �following	 � terms 	 � have	 �this	 �meaning	 �in	 �this	 �Agreement 	 �
                �   Bank ,	 � us 	 � or	 � we 	 � � 	 � means	 �First	 �Electronic	 �Bank,	 �an	 �industrial	 �bank	 �based	 �in	 � Salt	 �
                  Lake	 �City ,	 �Utah,	 �the	 �lender	 �and	 �owner	 �of	 �your	 � Blispay 	 � account. 	 �
                �   blispay	 �inc.	 � 	 � � 	 � (�B lispay�)	 � the	 �servicer	 �of	 �your	 � B lispay	 � Card	 � and	 �the	 �company	 �you	 �
                  would	 �contact	 �if	 �you	 �need	 �help	 �with	 �your	 � Blispay 	 � Card . 	 �	 � B lispay	 �provides	 �services	 �
                  to	 � First	 �Electronic 	 � Bank	 �such	 �as	 �accepting	 �and	 �processing	 �your	 �application,	 �
                  processing	 �transactions 	 � and	 �payments ,	 �and	 �is	 �the	 �company	 �to	 �which	 �you	 �will	 �pay	 �
                  any	 �amounts	 �you	 �owe	 �on	 �your	 � Blispay 	 � Card .	 �	 �	 � 	 �
                �   B lispay	 �Visa	 � Card 	 � � 	 � your	 �revolving	 �line	 �of	 �credit	 �with	 �First	 �Electronic	 �Bank	 �
                  established	 �pursuant	 �to	 �this	 �Agreement,	 �also	 �referenced	 �as	 �your	 ��Account� 	 � or	 �
                  �Blispay	 � Card � . 	 �
             	 �                          	 �                         4 	 �
                �   Billing	 �period 	 � � 	 � the	 �time 	 � period	 �used	 �to	 �b ill	 �you	 �for	 �your	 �use	 �of	 � the	 � Blispay 	 � Card ,	 �
                  usually	 �between	 �25 	 � and	 �31	 �days .	 �	 �This	 �is	 �the	 �time	 �frame	 �used	 �to	 �calculate	 �your	 �
                  balance	 �and	 �interest	 �for	 �each	 �bill	 �that	 �we	 �provide	 �to	 �you. 	 �
                �   Balance 	 � � 	 � the	 �total 	 � amount	 �you	 �owe	 �on	 �your	 �account.	 �	 �It	 �includes	 �the 	 � dollar	 �
                  amount	 �of	 �purchases	 �you	 �make	 �in	 �a	 �billing	 �period	 �plus	 �any	 � pri or	 �unpaid	 � balance ,	 �
                  interest	 �and	 �fees 	 � that	 �you	 �did	 �not	 �pay	 �off	 �in	 �prior	 �billing	 �periods . 	 �	 � Your	 �Balance	 �is	 �
                  made	 �up	 �of	 �Standard	 �Purchases	 �(also	 �called	 � Standard	 �Balance )	 �and	 �Promotional	 �
                  Purchases	 �(also	 �called	 � Promotional	 �Balance 	 � or	 �Deferred	 �Interest	 �Balance	 �on	 �your	 �
                  statement ). 	 �
                �   Daily	 �Periodic	 �Rate 	 � � 	 � the	 �APR	 �on	 �your	 �account	 �divided	 �by	 �365	 �to	 �determine	 �a	 �
                  daily	 �rate 	 �
                �   Standard	 �Purchase s 	 � � 	 � purchases	 �using	 � your	 � Blispay 	 � Card 	 � that	 �are	 �not	 �
                  promotional	 �purchases	 �or	 �otherwise	 �subject	 �to	 �a	 � spe cial	 � financing	 �program.	 �	 �
                  Standard	 �Purchases	 �are	 � sub ject	 �to	 �the	 �terms	 �of	 �this	 �agreement	 �including	 �APR,	 �
                  Grace 	 � Period,	 �payments	 �and	 �due	 �dates . 	 �
                �   Promotional	 �Purchase s � 	 � purchases	 �using	 �your	 � Blispay 	 � Card 	 � subject	 �to	 �different	 �
                  rates	 �and	 �terms	 �than	 �Standard	 �Purchases	 �such	 �as	 �No	 �Payments	 �No	 �Interest	 �for	 �
                  Six	 �Months.	 �	 �These	 �purcha ses	 �may	 �have	 �a	 �different	 �APR,	 �Grace	 �Period, 	 � specific	 �
                  expiration	 �dates 	 � or	 �other	 �terms . 	 �	 � See	 � www.blispay.com 	 � for	 �promotional	 �terms. 	 �
                  	 �
             	 �
             2.   H OW	 � THE	 � BLISPAY 	 � CARD 	 � WORKS 	 �
                �   Any	 �time	 �you	 �use	 �your	 � Blispay 	 � Card 	 � to	 �pay	 �for	 �anything	 �(goods	 �or	 �services)	 �this	 �
                  agreement	 �applies	 �to	 �you.	 �	 �You	 �can	 �u se	 � your	 � Blispay 	 � Card 	 � wherever	 �Visa 	 � is	 �
                  accepted. 	 �	 � You	 �authorize	 � First	 �Electronic	 � Bank 	 � to	 �charge	 �your	 � Blispay 	 � Card 	 � each	 �
                  time	 � you	 �use	 �it	 �to	 �pay . 	 �
                �   AGRE EMENT	 �TO	 �PAY:	 �You	 �agree	 �to	 �pay	 �B lispay	 �for	 � all	 �charges	 �on	 �your 	 � Blispay 	 �
                  Card 	 � including	 �fees,	 �interest	 �and	 �any	 �other	 �amounts	 �as	 �agreed	 �to	 �in	 �this	 �
                  Agreement. 	 �
                �   TYPES	 �OF	 �PURCHASES 	 � AND	 �BALANCES :	 �There	 �are	 �two	 �types	 �of	 �purchases	 �u sing	 �
                  your	 � Blispay 	 � Card : 	 �
                     o   Standard	 �Purchases 	 � � 	 � these	 �are	 �purchases	 �that	 �you	 �make	 � that	 �are	 �not	 �
                       promotional	 �purchases 	 � and	 �are	 �subject	 �to	 �the	 �standard	 �terms	 �of	 �this	 �
                       agreement .	 � 	 �
                       When	 �you	 �make	 �multiple	 �Standard	 �P urchases	 �in	 �one	 � billing	 �period 	 � these	 �
                       will	 �all	 �be	 �combined	 �and	 �will	 �make	 �up	 �your	 � Standard	 � Balance.	 �	 �If	 �you 	 � do	 �
                       not	 �pay	 �the	 �entire	 � Standard 	 � B alance 	 � by 	 � the	 �due	 �date,	 �then	 �you	 �will	 �be 	 �
                       charged	 �interest .	 �	 � Interest	 �and	 �fees	 �charged	 �to	 �your	 �Account	 �will	 �be	 �
                       added	 �to	 �your	 �Standard	 �Balance	 �if	 �unpa id.	 �	 � The	 �unpaid	 �amount	 � of	 �your	 �
                       Standard	 �Balance	 � will	 �be	 �charged	 �interest	 �every	 � billing	 �period 	 � until	 �it	 �is	 �
                       paid	 �in	 �full. 	 �
             	 �                          	 �                         5 	 �
                     o   Promotional 	 � Purchases 	 � � 	 � these	 �are	 �purchases	 �that	 �are	 �subject	 �to	 �some	 �
                       type 	 � of	 �financing	 �offer.	 �	 � You	 �can	 �find	 � information	 �about	 �promotions 	 � we	 �
                       are	 �currently	 �offering	 � at	 �www.blispay.com .	 �	 � One	 �example	 �of	 �a 	 � promotion 	 �
                       a vailable	 �on	 �you r 	 � Blispay 	 � Card 	 � is : 	 �
                          �?   No	 �Payments	 �and	 �No	 �Interest	 �purchases	 � � 	 � these	 �are	 �also	 �called	 �
                            �deferred	 �interest �	 �purchases .	 �	 �We	 �will	 �charge	 �no	 �interest	 �on	 �
                            these	 �purchases	 �if	 � they	 �are 	 � paid	 �in	 �full	 �within	 �the	 ��promotional	 �
                            period�	 �(sometimes	 �also	 �called	 �the	 �deferred	 �interest	 �period).	 �The	 �
                            promotional	 �period	 �is	 �usually	 �6	 �months	 �or	 �12	 �months	 �where	 �you	 �
                            are	 �not	 �required	 �to	 �make	 �payments	 �on	 �that	 �purchase.	 �	 �The	 �
                            �expiration	 �date�	 �is	 �the	 � last	 �day	 �of	 �the	 �promotional	 �period 	 � (you	 �
                            can	 �find	 �the	 �expiration	 �date	 �for	 �each	 � No	 �Payments	 �No	 �Interest	 �
                            p urchase	 �on	 �your	 �statement) .	 �	 � Each	 � No	 �Payments	 �No	 �Interest	 �
                            p urchase	 �will	 �have	 �its	 �own	 �expiration	 �date.	 �	 � Because 	 � payments	 �are 	 �
                            not	 � required 	 � for	 � No	 �Payments	 � No	 �Interest	 � p urchases	 �during	 �the	 �
                            promotional	 �period	 �it	 �is	 �up	 �to	 �you	 �to	 �make	 �sure	 �you	 �make	 �
                            payments	 �to	 � pay 	 � these 	 � purchases 	 � before	 �the	 �expiration	 �date.	 �	 � If	 �
                            you	 �do	 �not	 �pay	 �the	 � No	 �Payments	 �No	 �Interest	 � p urchases 	 � in	 �full	 �
                            before	 �the	 �expiration	 �date	 �you	 �will	 �be	 �charged	 �interest	 �from	 �the	 �
                            date 	 � your	 �purchase 	 � posted	 �to	 �your	 �account . 	 �	 � Once	 �the	 �
                            promotional	 �period	 �has	 �ended	 �if	 �you	 � still	 �have	 �a	 �balance	 �you	 �will	 �
                            be	 �charged	 �al l	 �the	 �accrued	 �interest . 	 � T he	 � No	 �Payments	 �No	 �Interes t	 �
                            purchase 	 � and	 �the	 �accrued	 �interest	 � will	 �be	 �ad ded	 �to	 �your	 �Standard	 �
                            B alance. 	 �	 � We	 �will	 �sh ow	 �you	 �how	 �much	 �interest	 �has	 �accrued 	 � each	 �
                            billing	 �period 	 � on	 �your	 �statement 	 � so	 �there	 �will	 �be	 �no	 �surprises . 	 �
                          �?   Other	 �promotions	 �may	 �be	 �offered	 �from	 �time	 �to	 �time	 �with	 � a	 �
                            different	 �interest	 �rate	 �or	 �other	 �repayment	 �terms,	 �such	 �as	 �
                            installment s , 	 � equal	 �payment	 �purchases,	 � or	 �a	 �lower	 �or	 �0%	 �interest	 �
                            rate . 	 �	 � Promotions	 �may	 �have	 �different	 �terms	 �and	 �some	 �promotions	 �
                            may	 �only	 �be	 �offered	 �at	 �specific	 �merchants,	 �or	 �may	 �be	 �offered	 �for	 �
                            speci fic	 �time	 �periods.	 �Check	 � www.blispay.com 	 � for	 �a	 � list	 �of	 �
                            available	 �promotions	 �and	 �terms	 �of	 �each	 �promotion. 	 �
                          �?   Some	 �Promotional	 �Purchases	 �will	 �have	 �a	 �dollar	 �threshold	 �to	 �
                            qualify	 �for	 �the	 �promotion	 �(e.g.	 �No 	 � Payments	 �No 	 � Interest	 � if	 �paid	 �in	 �
                            full	 �in	 �six	 �months	 � on	 �purc hases	 �over	 �$199).	 � Transactions	 �must	 �post	 �
                            to	 �your	 �account	 �above	 �the 	 � dollar 	 � threshold 	 � to	 �qualify	 �as	 �
                            P romotion al	 �Purchases. 	 � 	 �
                          �?   From	 �time	 �to	 �time	 �transactions	 �may	 �post	 �to	 �the	 �wrong	 �Balance.	 �	 �
                            For	 �example,	 �a	 �Promotional	 �Purchase	 �may	 �post	 �to	 �your	 �Standard	 �
                            Balance 	 � rather	 �than	 �the	 �Promotional	 �Balance .	 �	 �If	 �this	 �happens,	 � you	 �
                            must 	 � contact	 �us	 �and	 �we	 �will	 �correct	 �it.	 �	 � 	 �
             	 �                          	 �                         6 	 �
                     o   Foreign 	 � Transactions	 � � 	 � any	 �time	 �you	 �use	 �your 	 � Blispay 	 � Card 	 � f or	 �a	 � F oreign	 �
                       T ransaction ,	 �we 	 � will	 �charge	 �you	 �a	 �fee	 �that	 �is	 �3 %	 �of	 �the	 �total	 �US	 �dollar	 �
                       amount	 �of	 � the	 �purchase. 	 �	 � 	 �
                          �?   A	 �Foreign	 �Transaction	 �is	 �a	 �trans action	 �in	 �a	 �foreign	 �currency, 	 � a	 �
                            transaction	 �made	 �in	 �a	 �foreign	 �country,	 �or	 � a	 �transaction	 � with	 �a	 �
                            foreign	 �merchant	 �even	 �if	 �it	 �is	 �made	 �in	 �US	 �dollars. 	 �
                          �?   Purchases	 �made	 �in	 �a	 �foreign	 �currency	 �will	 �be	 �converted	 �into	 �US	 �
                            dollars	 �in	 �accordance	 � with	 � Visa�s	 �procedures.	 �	 �Visa	 �uses	 �the	 �
                            conversion	 �rate	 � in	 �effect 	 � on	 �its	 �central	 �processing	 �date .	 �	 �If	 �
                            required	 �to	 �use	 �a	 �government	 �mandated	 �rate	 �Visa	 �will	 �do	 �so.	 �If	 �
                            there	 �i s	 �no	 �government	 �mandate	 �Visa	 �will	 �select	 �the	 �conversion	 �
                            rate	 �from	 �a	 �range	 �of	 �rates	 �available	 �in	 �the	 �wholesale	 � currency	 �
                            markets.	 �	 �The	 �selected	 �rate	 �may	 �vary	 �from	 �the	 �rate	 �Visa 	 � itself 	 �
                            receives.	 �	 � If	 �you	 �return	 �an	 �item	 �purchased	 �in	 �a	 �foreign	 �currency	 �
                            the	 �same	 � process	 �will	 �apply.	 �	 �The	 �amount	 �of	 �your	 �refund	 �may	 �be	 �
                            different	 �from	 �the	 �amount	 �of	 �the	 �original	 �transaction	 �because	 �the	 �
                            exchange	 �rate	 �used	 �might	 �be	 �different. 	 �
                �   ACCEPTABLE	 �USE:	 �	 � Y ou	 �agree	 �to	 �not	 �use	 �your	 � Blispay 	 � Card 	 � for	 �any	 �transaction	 �
                  that	 �is	 �illegal	 �in	 �th e	 �state	 �where	 �you	 �live	 �or	 �in	 �the	 �state	 �where	 �you	 �are	 �making	 �
                  your	 �transaction.	 �	 � 	 �
                �   CREDIT	 �REPORTS:	 �	 � 	 �
                     o   Y ou	 � authorize 	 � us 	 � to	 � obtain 	 � and	 �review 	 � your 	 � credit	 �report	 � � 	 � at	 � account	 �
                       open ing 	 � to	 �process	 �your	 �application , 	 � and	 � if	 �an	 �account	 �is	 �opened	 �for	 �you,	 �
                       at	 �other	 �times 	 � during	 �our	 �relationship 	 � for	 �example 	 � for	 �account	 �review ,	 �
                       credit	 �line	 �adjustments,	 � collections ,	 �and	 �for 	 � other	 � account	 �management 	 �
                       and	 �servicing .	 � 	 �
                     o   Y ou	 �agree	 �that	 � we 	 � may 	 � report	 �to	 �the	 � credit	 �reporting	 �agencies 	 �
                       information	 �about	 �your	 �account	 �including 	 � your	 �balance	 �and	 �your	 �
                       payments 	 � and	 �other	 �history	 �with	 �us	 �under	 �this	 �agreement . 	 � 	 � Late	 �
                       payments,	 �missed	 �payments,	 �or	 �other	 �defaults	 �on	 �your	 �account	 �may	 �be	 �
                       reflected	 �in	 �your	 �credit	 �report.	 �	 � This	 �information	 �may	 �negatively	 �impact	 �
                       your	 �credit	 �report. 	 �	 � 	 �
                     o   If	 �you	 � believe	 �we	 �have	 �provided	 �incorrect	 �information	 �to	 �the	 �credit	 �
                       reporting	 �agency 	 � call 	 � us	 �at 	 � 877 -�? 907 -�? 7475 .	 �Please	 �have	 �the	 �following	 �
                       information	 �available: 	 � your	 �name,	 � account	 �number , 	 � the	 �information	 �you	 �
                       believe	 �to	 �be	 �incorrectly	 �reported 	 � and	 �why	 �you	 �believe	 �it 	 � is	 �incorrect . 	 � 	 �
                     o   A s	 �required	 �by	 � Utah	 �and	 �California	 � law,	 �you	 �are	 �hereby	 �notified	 �that	 �a	 �
                       negative	 �credit	 �report	 �reflecting	 �on	 �your	 �credit	 �record	 �may	 �be	 �submitted	 �
                       to	 �a	 �credit	 �reporting	 �agency	 �if	 �you	 �fail	 �to	 �fulfill	 �the	 �terms	 �of	 �your	 �credit	 �
                       obligations. 	 �
             	 �                          	 �                         7 	 �
                �   UP	 �TO	 � DATE	 �INFORMATION:	 �	 �You	 �agree	 �to	 �keep	 �all	 �the	 �information	 �you	 �have	 �
                  provided	 �to	 �u s	 �up	 �to	 �date.	 �	 �You	 �will	 �notify	 �B lispay	 �of	 �any	 �changes,	 �especially	 �to	 �
                  your 	 � mobile 	 � phone	 �number	 �or	 �email,	 �but	 �also	 �to	 �the	 �other	 �information	 �you	 �have	 �
                  previously	 �provided 	 � to	 �B lispay 	 � such	 �as	 �your	 �billing	 �address .	 �	 �You	 �can	 �update	 �your	 �
                  information	 �by	 � signing 	 � in	 �to	 �your	 �account. 	 �
                �   CREDIT	 �LI NE:	 �	 �When	 �you	 �open	 �your	 � Blispay 	 � Card , 	 � we 	 � will	 �assign	 �you	 �a	 �credit	 �line.	 �	 �
                  This	 �is	 �a	 �maximum	 �amount	 �that	 �you	 �are	 �perm itted	 �to	 �charge	 �on	 �your	 � Blispay 	 �
                  Card 	 � and	 �includes	 �all	 �types	 �of	 �transactions,	 �purchases,	 � interest	 �and	 �fees .	 �	 �If	 �you	 �
                  attempt	 �a	 � transaction	 � that	 �would	 �put	 �your	 �account	 �over	 � your	 �credit	 �line	 � we	 � may	 �
                  decline	 �that	 � transaction ,	 �we	 �may	 �approve	 �it	 �as	 �an	 �over	 �the	 �credit	 �line	 �transaction, 	 �
                  or	 �we	 �may	 �treat	 �is	 �as	 �a	 �request	 �for	 �a	 �credit	 �line	 �increase .	 � 	 � If	 �your	 �Balance	 �is	 �over	 �
                  your	 �credit	 �line,	 �y ou	 �will	 �need	 �to	 �make	 �a	 �payment	 �on	 �your	 �account	 �to	 �decrease	 �
                  your	 �outstanding	 �balance	 �in	 �order 	 � to	 �continue	 �using	 �your	 � Blispay 	 � Card .	 �	 � 	 �
                     o   From	 �time	 �to	 �time	 �w e	 �may	 �increase	 �your	 �credit	 �line.	 �	 �We	 �will	 �let	 �you	 �know	 �
                       when	 �we	 �do	 �this. 	 �
                     o   From	 �time	 �to	 �time	 �we	 �may	 �decrease	 �your	 �credit	 �line.	 �	 �We	 �will	 �let	 �you	 �
                       know	 �when	 �we	 �do	 �this.	 � 	 �
                     o   You	 �may	 �request	 �an	 �increase	 �or	 �a	 �decrease	 �in	 �your	 �credit	 �line.	 �	 �When	 �you	 �
                       make	 �such	 �a	 �request ,	 �if	 �we	 �provide	 �that	 �service	 �at	 �the	 �time	 �of	 �your	 �
                       request, 	 � we	 �will	 �review	 �your	 �account	 �and	 �let	 �you	 �know	 �if	 �we	 �can	 �process	 �
                       the	 �change.	 � 	 �
                     o   We	 �have	 �the	 �option	 �to	 �refuse	 �a	 �request	 �for	 �a	 �credit	 �line	 �increase,	 �but	 �we	 �
                       will	 �notify	 �you	 �of	 �the	 �reasons. 	 �
                �   STATEMENTS:	 �	 �Eac h	 � billing	 �period 	 � we	 �will	 �create	 �a	 �statement	 �with	 �that	 � billing	 �
                  period �s	 �transactions	 �on	 �it.	 �	 �We	 �will	 �provide	 �this	 �statement	 �to	 �you	 �electronically.	 �	 �
                  You	 �must	 �log	 �in	 �to	 �your	 �account	 �to	 �see	 �it . 	 �	 � We	 �may	 �not	 �provide	 �a	 �statement	 �if	 �you	 �
                  have	 �no	 �activity	 �on	 �your	 �ac count	 �or	 �if	 �it	 �is	 �not	 �required	 �by	 �law. 	 �
                �   ALL	 �EL ECTRONIC	 �ACCOUNT:	 �	 �Your	 � A ccount	 �is	 �all	 �electronic.	 �	 �This	 �means	 �that	 �you	 �
                  will	 �not	 �receive	 �any	 �paper	 �notifications ,	 �statements	 �or	 �disclosures .	 �	 �You	 �can	 �
                  request	 �that	 �we	 �send	 �you	 �specific	 �copies	 �of	 �your	 �statement	 �or 	 � other	 �doc uments ,	 �
                  in	 �paper	 �form 	 � for	 �an	 �additional	 �charge	 �of	 �$5 	 � per	 �copy .	 � 	 � You	 �have	 �the	 �right	 �to	 �
                  request	 �any	 �statement	 �or	 �other	 �Notice	 �in	 �paper	 �form	 �within	 �180	 �days	 �of	 �the	 �date	 �
                  of	 �the	 �Notice.	 �To	 �receive	 �a	 �paper	 �copy	 �of	 �any	 �Notice	 �that	 �has	 �been	 �previously	 �
                  pr ovided	 �to	 �you	 �electronically,	 �please	 �contact	 � Blispay 	 � at	 � esign @blispay.com .	 � 	 �
                  Future	 �notices	 �will	 �continue	 �to	 �be	 �delivered	 �electronically	 �unless	 �you	 �specifically	 �
                  inform	 �us	 �that	 �you	 �wish	 �to	 �withdraw	 �your	 �consent	 �to	 �receive	 �electronic	 �
                  documents .	 �	 � If	 �you	 �decide 	 � to	 �withdraw	 �your	 �consent,	 �the	 �legal	 �effectiveness,	 �
                  validity	 �or	 �enforceability	 �of	 �prior	 �electronic	 �Notices	 �will	 �not	 �be	 �affected,	 �we	 �will	 �
                  close	 �your	 �account	 �and	 �you	 �will	 �be	 � required 	 � to	 �pay	 �off	 �any	 �balances	 �due	 �under	 �
                  the	 �terms	 �of	 �your	 �agreement .	 � 	 � The	 �eSign	 �C onsent	 �which	 �you	 �previously	 �agreed	 �to	 �
                  can	 �be	 �found 	 � at	 �www.blispay.com/policy/esign.pdf 	 �
             	 �                          	 �                         8 	 �
                �   INACTIVE	 �ACCOUNT:	 �	 �If	 �you	 �have	 �no	 �activity	 �on	 �your	 �account	 � for 	 � 12	 �months	 �we	 �
                  may	 �close	 �your	 �account	 �or	 �suspend	 �your	 �ability	 �to	 �make	 �purchases. 	 �
             	 �
             3.   MAKING	 �PAYMENTS 	 �
                �   MONTHLY	 � PAYMENTS:	 �You	 �agree	 �to	 �pay	 �your	 �acco unt	 �each	 �month,	 �when	 �you	 �
                  have	 �a 	 � payment	 �due .	 � 	 � 	 �
                     o   Your	 �payment	 �due	 �date	 �will	 �be	 �the	 �same	 �date	 �each	 �month	 �and	 �will	 �be	 �at	 �
                       least	 � 25 	 � days	 �from	 �your	 �statement	 �closing	 �date.	 � 	 � You	 �can	 �change	 �yo ur	 �
                       payment	 �due	 �date	 �by	 �calling	 �B lispa y	 � and	 � request ing 	 � a	 �change.	 �	 �We	 �may	 �
                       change	 �your	 �payment	 �due	 �date	 �from	 �time	 �to	 �time,	 �but	 �we	 �will	 �notify	 �you	 �
                       if	 �we	 �do. 	 �
                     o   If	 �you	 �don�t	 �use	 �your 	 � Blispay 	 � Card 	 � and	 �you	 �don�t	 �have	 �a	 �balance	 � you	 �will	 �
                       not	 �have	 �a	 �payment	 �due .	 � 	 � 	 �
                     o   You	 �may	 �at	 �any	 �time	 �pay	 �more	 �than	 �the	 � minimum	 �payment	 �due	 �without	 �
                       penalty.	 �	 �However,	 �when	 �you	 �pay	 �more	 �than	 �your	 �minimum	 �payment	 �due	 �
                       it	 �will	 �not	 �extend,	 �delay	 �or	 �otherwise	 �impact	 �you r 	 � payment	 �due	 �in	 �the	 �
                       following	 �billing	 �period. 	 �
                     o   Your	 �payment	 �may	 �not	 �be	 �reflected	 �in	 �your	 �available	 �credit	 �immedi ately. 	 �
                     o   PAPER	 �CHECKS	 � � 	 � Paper	 �checks	 �should	 �be	 �mailed	 �to	 � 	 �
                       B lispay	 � 	 �
                       PO	 �Box	 � 2033 	 � 	 �
                       Columbus ,	 �GA	 � 31908 -�? 2033 	 � 	 �
                       Please	 �ensure	 �that 	 � your	 �account	 �number 	 � is 	 � clearly	 �written 	 � on	 �your	 �check. 	 � 	 �
                       If	 �your	 �check	 �does	 �not	 �include 	 � your	 �account	 �number 	 � crediting	 �will	 �be	 �
                       delayed	 �or	 �may	 �be	 �refused	 �and	 �additional	 �charges	 �may	 �be	 �imposed. 	 � 	 �
                     o   If	 �you	 �pay	 �by	 �paper	 �check	 �you	 �authorize	 � B lispay 	 � to	 �convert	 �that	 �check	 �to	 �
                       an	 �electronic	 �transfer.	 �	 �If	 �your	 �payment	 � is	 �converted	 �to	 �an	 �electronic	 �
                       transfer	 �it	 � may	 �be	 �deducted 	 � from	 �your	 �account	 �on	 �the	 �day	 �your	 �check 	 � is	 �
                       received .	 �	 �You	 �will	 �not	 �receive	 �your	 �cancelled	 �check	 �from	 �your	 �bank.	 � 	 �
                �   US	 �DOLLARS:	 �You	 �agree	 �to	 �pay	 �in	 �US	 �dollars	 �in	 �the	 �form	 �of	 �a	 �bank	 �transfer /ACH ,	 �
                  money	 �order 	 � or	 �a	 �check 	 � from	 �a	 �US	 �bank	 �account . 	 � 	 � You 	 � can not	 � make 	 � payments	 �in	 �
                  cash. 	 �	 � 	 �
                �   ALLOCATING	 �YOUR	 �PAYMENT:	 � Y our	 �payments 	 � will	 �be	 �allocated 	 � as	 �required	 �by	 �
                  law,	 � to	 �maximize	 �your	 �promotions	 �and	 �pay	 �off	 �highest	 �interest	 �balances	 �first .	 �
                  W hen	 �you	 �make	 �a	 �payment	 � the	 �minimum	 �payment	 �amount	 � will 	 � pay	 �off 	 � any	 �fees	 �
                  and	 �interest	 �on	 �your	 �account,	 � then 	 � your	 �higher	 �interest	 �balances	 �first . 	 � A ny	 �
                  payment	 �amount	 �above 	 � the	 �minimum	 �payment	 �due	 � will	 �be	 �applied	 � as	 �follows:	 � 	 �
             	 �                          	 �                         9 	 �
                     o   If	 �you	 �have	 �a	 � No	 �Payments	 �No	 �In terest	 � purchase	 �on	 �your	 � Blispay 	 � Card 	 � (or	 �
                       any	 �other	 �Promotional	 �Pu rchase	 �that	 �is	 �a	 �deferred	 �interest	 �transaction)	 �
                       that	 �balance	 � will	 �be	 �paid	 �off	 � first	 �during	 � the	 �last	 �two	 �months	 �before	 �the	 �
                       expiration	 �date .	 �	 �For	 �example,	 �if	 �you	 �have	 �a	 � No	 �Payments	 �No	 �I nterest	 �
                       purchase 	 � on	 �your	 �account	 �that	 �expires	 �in	 �June,	 �when	 �you	 �make	 �your	 �
                       payment	 �in	 � May 	 � that	 �payment	 � will	 �be	 �applied	 � to	 �your	 �expiring	 � No	 �
                       Payments	 �No	 �I nterest 	 � purchase	 �first.	 � 	 �
                     o   In	 �all	 �other	 �situations,	 �we	 �will	 �pay	 �off	 �your	 �higher	 �interest	 �balances	 �first. 	 �
                �   GRACE	 �PERIOD : 	 � T he	 �t ime	 �per iod 	 � within	 �which	 �you	 �may	 �repay	 �any	 �credit	 �
                  extended	 �without	 �incurring	 �a ny	 �interest .	 �	 �In	 �practice	 �what	 �this	 �means	 �is	 �that	 � if	 �
                  you	 �pay	 �your	 � Standard	 �B alance	 �in	 �full	 �by	 �the	 �due	 �date	 �each	 �month 	 � you	 �will	 �not	 �
                  be	 �charged	 �interest	 �on	 �that	 �balance .	 �	 �Your	 �Grace 	 � P eriod	 �will	 �be	 �at	 �least	 �25	 �days. 	 � 	 �
                  Promotional	 �P urchases	 �have	 �no	 � G race	 � P eriod,	 �they	 �will	 �accrue	 �inte rest	 �from	 �the	 �
                  date	 �your	 �transaction	 �posts	 �to	 �your	 �account, 	 � but	 �if	 �you	 �pay	 �t he	 �Promotional	 �
                  B alance	 �in	 �full	 �before	 �the	 �expiration	 �date	 �of	 �the	 �promotion	 �you	 �wi ll	 �not	 �have	 �to	 �
                  pay	 �the 	 � accrued 	 � interest . 	 �
                �   HOW	 �YOUR	 �MINIMUM	 �PAYMENT	 �DUE	 �IS	 �CALCULATED:	 �	 � Y our	 �minimum	 �payment	 �
                  due	 �is	 �c alculated	 �each	 � billing	 �period 	 � by	 �taking	 �1 %	 �of	 �your	 � Standard 	 � B alance	 �on	 �
                  the	 �last	 �day	 �of	 � your	 �billing	 �period 	 � (which	 �will	 �include	 �any	 �unpaid	 �fees	 �and	 �interest	 �
                  from	 �the	 �prior	 �billing	 �period) .	 �	 �If	 �you	 �have 	 � any 	 � fees 	 � or	 �interest 	 � charged	 �in	 �this	 �
                  billing	 �period	 �( excluding 	 � any	 �accrued	 �interest	 �from	 � an	 � un expir ed 	 � Promotional	 �
                  Balance ) 	 � those	 � will	 �be	 �added	 � to	 �your	 �minimum	 �pa yment	 �due	 �as	 �well. 	 � 	 � If	 �this	 �
                  calcu lated	 �amount	 �is	 �greater	 �than	 �$3 5 	 � then	 �the	 �calculated	 �amount	 �is	 �your	 �
                  minimum	 �payment	 �due.	 �	 �Otherwise 	 � your	 �minimum	 �payment	 �due	 �is	 �$3 5 	 � unless	 �
                  your	 � Standard 	 � Balance	 �is	 �less	 �than	 �$ 3 5 	 � then	 �your	 � Standard 	 � Balance	 �is	 �you r 	 �
                  m ini mum	 � p ayment	 � d ue . 	 � Once	 �your	 �current	 �min imum	 �payment	 �due	 �is	 �calculated	 �
                  any	 �past	 �due	 �amount 	 � will	 �be	 �added .	 �	 �	 � A	 �credit	 �refund	 �or	 �receipt	 �of	 �Cash	 �Back	 �will	 �
                  not	 �count	 �towards	 �your	 � m inimum	 � p ayment	 � d ue ,	 �you	 �will	 �still	 �need	 �to	 �pay	 �your	 �
                  m inimum	 � p ayment	 � d ue	 �in	 �full . 	 � 	 �
             	 �
             4.   FEES	 �AND	 �INTEREST 	 �
                �   FEES:	 �	 �Here	 �are	 �all	 �the	 �fees	 �that	 �may	 � be	 � charge d	 �to 	 � your	 �account. 	 �	 � 	 �
                     o   L ate	 �fee	 � � 	 � if	 �your	 � minimum	 � payment 	 � due	 � is	 �not	 �received	 � in	 �full 	 � on	 �or	 �
                       before	 �its 	 � due	 �date	 � you	 � wil l	 � be	 � charge d 	 � a	 �late	 �fee	 �up	 �to	 �$3 5 .	 �	 � Your	 �first	 �
                       late	 �fee	 �will	 �be	 �$2 5 .	 �	 �If	 � you	 �are	 �late	 �a	 �second	 �time	 �within	 �the	 �next	 �6	 �billing	 �
                       periods	 �your	 �second	 �late	 �fee	 �will	 �be	 �$3 5 . 	 �	 � If	 �your	 �balance	 �is	 �less	 �than	 �the	 �
                       late	 �fee,	 �your	 �late	 �fee	 �will	 �be	 �equal	 �to	 �your	 �balance.	 �	 �Your	 �late	 �fee	 �will	 �
                       never	 �be	 �more	 �than	 �the	 �amount	 �of	 �your	 �payment	 �that	 �w as	 �due. 	 �
                     o   R eturned	 �payment 	 � fee	 � � 	 � if	 �you	 �schedule	 �a	 �payment	 �from	 �your	 �bank	 �
                       account	 � or	 �send	 �us	 �a	 �check,	 � but	 �the	 �payment	 �bounces	 �or	 �is	 �declined	 �by	 �
                       your	 �bank 	 � because	 �you	 �do	 �not	 �have	 �enough	 �money	 �to	 �cover	 �the	 �payment 	 �
             	 �                          	 �                         10 	 �
                       you	 � will	 � be	 � charge d 	 � a	 �fee	 �up	 �to	 �$ 3 5 . 	 � 	 � Your	 �fir st	 �returned	 �payment	 �fee	 �will	 �
                       be	 �$2 5 .	 �	 �If	 �you	 �have	 �a	 �second	 �returned	 �payment	 �within	 �the	 �next	 �6	 �billing	 �
                       periods	 �your	 �second	 �returned	 �payment	 �fee	 �will	 �be	 �$3 5 . 	 �
                     o   F oreign	 � T ransaction	 �fee	 � � 	 � 3 %	 �of	 �the	 �transaction	 �amount 	 � after	 �it	 �is	 �
                       converted	 �into	 �US	 �dollars . 	 �
                     o   C opy	 � fee	 � � 	 � if	 �you	 �request	 �a	 �paper	 �copy	 �of	 �a	 �statement,	 �privacy	 �policy,	 �or	 �
                       other	 �disclosure	 � you	 � will	 � be	 � charge d 	 � $5	 �per	 � document .	 �	 �I f	 �you	 �request	 �a	 �
                       copy	 �of	 �any	 �other	 �document	 �including	 �a	 �sales	 �receipt,	 �cancelled	 �check,	 �or	 �
                       other	 �document	 � you	 � will	 � be	 � charge d 	 � $5 	 � per 	 � document . 	 �
                     o   E xpedited	 �delivery	 �fee	 � � 	 � you	 � will 	 � be 	 � charge d 	 � a	 �$25	 �expedited	 �delivery	 �fee	 �
                       if	 �you	 �request	 �a	 �new	 �card	 �and	 �request	 �that	 �it	 � be	 �sent	 � with	 �expedited	 �
                       delivery. 	 �
                �   INTEREST	 � RATE:	 �	 �Interest	 �on	 �your	 � Blispay 	 � Card 	 � is	 �calculated	 �using	 �a 	 � Daily	 �Periodic	 �
                  Rate	 �of	 �0.05476 %.	 �	 � This	 �corresponds	 �to	 �an	 �APR	 �of	 �19.99 %.	 �	 � From	 �time	 �to	 �time	 �
                  other	 �rates	 �such	 �as	 �promotional	 �rates,	 �may	 �apply	 �to	 �certain	 �purchases	 �or	 �
                  balances	 �on	 �your	 �account.	 �	 � Information	 �about	 �t hese	 �promotional	 �or	 �other	 �rates 	 �
                  will	 �be	 �on	 �bl ispay.com . 	 �
                  If	 �you	 �are	 �active	 �duty	 �military,	 �a	 �dependent,	 �or	 �otherwise	 �covered	 �by	 �the	 �Military	 �
                  Lending	 �Act,	 � the	 �cost	 �of	 �consumer	 �credit	 �may	 �not	 �exceed	 �an	 �annual	 �percentage	 �
                  rate	 �of	 �36% .	 �	 � This	 �rate	 �includes	 �the	 �interest	 �charged	 �on	 �your	 �account	 �plus	 �fees	 �on	 �
                  yo ur	 �account	 �when	 �applicable. 	 � 	 �
                �   HOW	 �WE	 �CALCULATE	 �INTEREST:	 �	 � I nterest	 �on	 �your	 �account	 �is	 �calculated	 �using	 �a	 �
                  method	 �called	 � average	 �daily	 �balance 	 � (including	 �new	 �purchases) .	 �	 �What	 �this	 �
                  means	 �is	 �that	 �we	 � calculate 	 � the	 � average	 � balance	 �on	 �your	 �account	 �for	 �e ach	 �day	 �
                  during	 �a	 �billing	 �period.	 �We	 �do	 �this	 �by	 �starting	 �with	 �your	 �beginning	 �balance	 �for	 �
                  that	 �day,	 �we	 �add 	 � new	 �purchases , 	 � un paid	 � interest	 �charges 	 � and	 �fees ,	 �we	 �subtract	 �
                  any	 �payments	 �and	 �credits	 �you 	 � made	 �to	 �get	 �to	 �that	 �day�s	 �balance.	 �	 �We	 �do	 �this	 �for	 �
                  each	 �day	 �in	 �the	 �bi lling	 �period	 �and	 �then	 �add	 �all	 �the	 �daily	 �balances	 �together	 �for	 �one	 �
                  billing	 �period 	 � and	 �divide	 �the	 �number	 �we	 �get	 �by	 �the	 �number	 �of	 �days	 �in	 �that	 �billing	 �
                  period.	 �	 �That	 �is	 �your	 � average	 �daily	 �balance .	 �	 �We	 �then	 �calculate	 �the	 �interest	 �by	 �
                  multiplying	 � the 	 � average	 �dail y	 �balance 	 � for	 �the	 �billing	 �period	 �by	 �the	 �Daily	 �Periodic	 �
                  Rate . 	 � We	 �then	 � multiply	 �this 	 � interest	 �charge	 � by	 �the	 �number	 �of	 �days	 �in	 �the	 �billing	 �
                  period	 � to	 �determine	 �the	 �total	 �interest	 �for	 �the	 �billing	 �period .	 �	 � We	 �do	 �this	 �
                  separately	 �for	 �Standard	 �Purchases	 �and	 �Promoti onal	 �Purchases.	 � It 	 � sounds	 �pretty	 �
                  complicated,	 �but	 �basically	 �we	 �calculate	 �your	 �interest	 �based	 �on	 �the	 � average	 �
                  amount	 �you	 �have	 �outstanding	 �on	 �your 	 � Blispay 	 � Card 	 � each	 �day. 	 �	 � 	 �
                �   MINIMUM	 �INTEREST	 �CHARGE:	 �We	 �will	 �charge	 �a	 �minimum	 �$2.00	 �interest	 �for	 �any	 �
                  billing	 � cycle 	 � in	 �which	 �an	 �interest	 �charge	 �is	 �due	 �(excluding	 �accrued	 �interest	 �on	 �
                  Promotional	 �Balances 	 � prior	 �to	 �the	 �expiration	 �date	 �of	 �the	 �Promotional	 �Purchase ). 	 � 	 �
             	 �                          	 �                         11 	 �
                �   HOW	 �TO	 �AVOID	 � LATE	 � FEES: 	 � B lispay 	 � want s 	 � to	 �help	 �you	 �get	 �your	 �payment	 �in	 � on	 �
                  time,	 � here	 �are 	 � some	 � ways 	 � to	 �avoid	 �late	 �fees: 	 �
                     o   T o	 �avoid 	 � late 	 � fees	 �you	 �must	 � pay	 �at	 �least	 �the	 �minimum	 �payment	 �due	 �
                       before	 �t he	 �due	 �date	 �each	 �billing	 �period; 	 �
                     o   M ake	 �your	 �payment	 �on	 �your	 �mobile	 �device	 �or	 �online	 �any	 �time 	 � of	 �day .	 �	 �
                       You	 �can	 � schedule	 �i ndividual	 �payments	 �in	 �advance; 	 �
                     o   C all	 � customer	 �service	 �or	 �the	 �B lispay	 �voice	 �response	 �service	 �and	 �pay	 �by	 �
                       phone . 	 � 	 �
                �   HOW	 �TO	 �AVOID	 �INTER EST:	 �	 � 	 �
                     o   If	 �you	 �pay	 �your	 �balance	 �in	 �full	 �each	 �month	 �you	 �will	 �not	 �have	 �to	 �pay	 �
                       inter e st . 	 �
                     o   If	 �you	 �have	 � P romotional 	 � P urchases : 	 � i f	 �you	 �pay	 �your	 � P romotional	 �
                       P urchases	 �in	 � full	 �before	 �the	 �expiration	 �date	 �of	 �the	 �promotion	 �you	 �will	 �not	 �
                       have	 �to	 �pay	 �the	 �accrued	 �interest 	 � for	 �that	 �Promotional	 �Purchase . 	 �
             	 �
             	 �
             5.   WHEN	 �THINGS	 �GO	 �WRONG 	 �
                �   LATE	 �PAYMENTS : 	 � W hat	 �happens	 �if	 �your	 �payment	 �is	 �late? 	 �
                     o   If	 �you	 �miss	 �a	 �payment	 �or	 �make	 �a	 �payment	 �that	 �is	 �late	 � y ou	 � will 	 � be 	 � ch arge d 	 �
                       a	 �late	 �fee	 �of	 � up	 �to	 � $ 3 5 	 � as	 �describe d 	 � in	 �Section	 �4.	 � 	 �	 �	 � 	 �
                     o   If	 �your	 �check	 �or	 �bank	 �transfer	 �is	 �declined	 �by	 �your	 �bank	 � you	 � will	 � be	 �
                       charge d 	 � a	 � r eturned	 � p ayment	 �fee	 � of	 �up	 �to	 �$35	 � as	 �described	 �in	 � Section	 �4 . 	 �
                �   DEFAULT 	 �
                     o   Default	 �is : 	 � 	 �
                          �?   W hen	 �you	 �do	 �somet hing	 � that	 �violates 	 � thi s	 �agreement	 � 	 �
                          �?   F ail	 �to	 �pay	 �the	 �Minimum	 �Payment	 �Due	 �on	 �your	 �Account	 �by	 �the	 �
                            due	 �date 	 �
                          �?   P roviding	 �false	 �i nformation	 �to	 �us 	 �
                          �?   W hen	 �you	 �file	 �for	 �bankruptcy	 �or	 �become	 �insolvent 	 �
                          �?   W hen	 �you	 �pass	 �away	 �or	 �become	 �incapacitated 	 �
                     o   When	 �you	 �default	 �we	 �have	 �the	 �right	 � to: 	 �
                          �?   D eclare	 �your	 �entire	 �balance	 �immediately	 �due	 �and	 �payable , 	 �
                          �?   S uspend	 �y ou r 	 � account	 �from	 �new	 �purchases, 	 �
                          �?   C lose	 �your	 �account	 �permanently , 	 �
             	 �                          	 �                         12 	 �
                          �?   R eport	 �yo ur	 �default	 �to	 �the	 �credit	 �bureau, 	 �
                          �?   S uspend 	 � or	 �cancel 	 � any	 �promotions,	 �cash	 �back	 �o r	 �other	 �offers 	 � or	 �
                            features 	 � available	 �on	 �your	 �Blispay	 �Card , 	 �
                          �?   T ake	 �any	 �other	 �actions 	 � and	 �remedies	 � allowed	 �under 	 � applicable	 �
                            law ,	 �and	 � 	 �
                          �?   A sk	 �you	 �to	 �pay	 �reasonable	 �costs	 �including	 �attorneys	 �fees	 �incurred	 �
                            in	 �collecting	 �amounts	 �due	 �from	 �you	 �or	 �protecting	 � blispay	 � from	 �
                            other	 �harm	 �as	 �a	 �result	 �of	 �your	 �default. 	 �
                �   FRAUD : 	 � W hat	 �to	 �do	 �if	 �you	 �suspect	 �or	 �know	 �someone	 �has	 �used	 �your	 �account	 �
                  without	 �your	 �permission 	 �
                     o   CONTACT	 � BLISPAY	 � I MMEDIATELY:	 � call	 �B lispay	 �at	 � 877 -�? 907 -�? 7475 	 � or	 �the	 �
                       number	 �on	 �the	 �back	 �of	 �your	 �card. 	 �
                �   FRAUD : 	 � what	 � we 	 � will	 �do	 �if	 �we	 �suspect	 �or	 �know	 �there	 �is	 �fraud	 �on	 �your	 �account 	 �
                     o   We	 �will	 �contact	 �you,	 �using	 �the	 �mobile	 �number	 �you	 �provided	 �to	 �us	 �when	 �
                       you	 �signed	 �up 	 �
                �   COLLECTIONS	 �COSTS:	 � Y ou	 �agree	 �to	 �pay	 �any	 �reasonable	 �collections	 �costs,	 �
                  including	 � attorneys� 	 � fees,	 �incur red 	 � to	 �co llect	 �amounts	 �you	 �owe. 	 �
                �   SUSPENDING	 �PURCHASE	 �PRIVILEGES:	 � W e	 �may	 �decline	 �a	 �transaction	 �or	 �suspend	 �
                  your	 �ability	 �to	 �use	 �y our	 � Blispay 	 � Card 	 � at	 �any	 �time.	 �	 �Some	 �of	 �the	 �reasons	 �we	 �may	 �
                  do	 �this	 �are : 	 �
                     o   Your	 �Balance	 �is	 �over	 �your	 �credit	 �line	 �or	 �a	 �transaction	 �would	 �put	 �you	 � over	 �
                       your	 �credit	 �line, 	 �
                     o   If	 �you	 �default, 	 �
                     o   If	 �you	 �miss	 �a	 �payment	 �or	 �make	 �a	 � late	 � payment, 	 �
                     o   If	 �you	 �have	 �no	 �activity	 �for	 �12	 �months. 	 �
                �   CLOSING	 �YOUR	 �ACCOUNT : 	 � We	 �may	 �close	 �your	 �Account	 �at	 �any	 �time	 �for	 �any	 �
                  reason.	 �	 �You	 �may	 �close	 �your	 �Account	 �at	 �any	 �time	 �by	 �calling	 �custo mer	 �service.	 �	 � 	 �
                �   BILLING	 �RIGHTS	 �NOTICE : 	 � 	 � 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: 	 �
                  Blispay 	 �
                  P.O.	 �Box	 �84032 	 �
                  Columbus,	 �GA	 �31908 -�? 4032 	 �
             	 � 877 -�? 907 -�? 7475 	 �
             	 �                          	 �                         13 	 �
             	 �
                  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	 �automated 	 � payment	 �is	 �scheduled,	 �if	 �you	 �
                   want	 �to 	 � stop	 �payment	 �on	 �the	 �amount	 �you	 �think	 �is 	 � wrong. 	 �
                  	 �
                  You	 �must	 �notify	 �us	 �of	 �any	 �potential	 �errors 	 � in	 �writing .	 �You	 �may	 �call 	 � us,	 �but	 �if	 �you	 �
                  do	 �we	 �are	 �not	 �required	 �to	 �investigate 	 � an y	 �potential	 �errors	 �and	 �you	 �may 	 � have	 �to	 �
                  pay	 �the	 �amount	 �in	 �question. 	 �
                  	 �
                  What	 �Will	 �Happen	 �After	 �We	 �Receive	 �Your	 �Letter 	 �
                  When	 �we	 �receive	 �your	 �letter,	 �we	 �must	 �do 	 � two	 �things: 	 �
                  1.	 �Within	 �30	 �days	 �of	 �receiving	 �your	 �letter, 	 � we	 �must	 �tell	 �you	 �that	 �we	 �received	 �your	 �
                    letter. 	 � We	 �will	 �also	 �tell	 �you	 �if	 �we	 �have	 �already 	 � corrected	 �the	 �error. 	 �
                  2.	 �Within	 �90	 �days	 �of	 �receiving	 �your	 �letter, 	 � we	 �must	 �either	 �correct	 �the	 �error	 �or	 �
                    explain 	 � to	 �you	 �why	 �we	 �believe	 �the	 �bill	 �is	 �correct. 	 �	 � 	 �
                  	 �
                  While	 �we	 �investigate	 �whether	 �or	 �not	 �there	 �has	 �been	 �an	 �error : 	 �
                  -�? 	 � We	 �cannot	 �try	 �to	 �collect	 �the	 �amount	 �in 	 � question,	 �or	 �report	 �you	 �as	 �delinquent	 �on	 �
                   that 	 � amount. 	 �
                  -�? 	 � The	 �charge	 �in	 �question	 �may	 �remain	 �on 	 � your	 �statement,	 �and	 �we	 �may	 �continue	 �to 	 �
                   charge	 �you	 �interest	 �on	 �that	 �amount. 	 �	 � While	 �you	 �do	 �not	 �have	 �to	 �pay	 �the	 �amount 	 �
                   in	 � question,	 �you	 �are	 �responsible	 �for	 �the	 �remainder 	 � of	 �your	 �balance. 	 � We	 �can	 �
                   apply	 �any	 �unpaid	 �amount	 �against 	 � your	 �credit	 �limit. 	 �	 � 	 �
                  	 �
                  After	 �we	 �finish	 �our	 �investigation,	 �one	 �of	 �two	 �things	 �will	 �happen : 	 �
                  -�? 	 � If	 �we	 �made	 �a	 �mistake:	 �You	 �will	 �not	 �have	 �to 	 � pay	 �the	 �amount	 �in	 �q uestion	 �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	 �dat e	 �payment	 �is	 �due.	 �We	 �may 	 � then	 �report	 �you	 �
                   as	 �delinquent	 �if	 �you	 �do	 �not	 �pay	 �the	 �amount	 �we	 �think	 �you	 �owe. 	 �
                  -�? 	 � If	 �you	 �receive	 �our	 �explanation	 �but	 �still	 �believe 	 � your	 �bill	 �is	 �wrong,	 �you	 �must	 �write	 �
                   to	 �us 	 � within	 � 10	 �days 	 � telling	 �us	 �that	 �you	 �still	 �refuse 	 � to	 �pay.	 �If	 �you 	 � do	 �so,	 �we	 �
                   cannot	 �report	 �you	 �as 	 � delinquent	 �without	 �also	 �reporting	 �that	 �you 	 � are	 �
                   questioning	 �your	 �bill.	 �We	 �must	 �tell	 �you 	 � the	 �name	 �of	 �anyone	 �to	 �whom	 �we	 �
                   reported 	 � you	 �as	 �delinquent,	 �and	 �we	 �must	 �let	 �those	 �organizations 	 � know	 �when	 �
                   the	 �matter	 �has	 �been 	 � settled	 �betwe en	 �us. 	 �
             	 �                          	 �                         14 	 �
                  -�? 	 � If	 �we	 �do	 �not	 �follow	 �all	 �of	 �the	 �rules	 �above, 	 � you	 �do	 �not	 �have	 �to	 �pay	 �the	 �first	 �$50	 �of	 �
                   the 	 � amount	 �you	 �question	 �even	 �if	 �your	 �bill	 �is	 �correct. 	 �
                  	 �
                  Your	 �Rights	 �If	 �You	 �Are	 �Dissatisfied	 �With	 �Your 	 � Credit	 �Card	 �Purchases 	 �
                  If	 �you	 �are	 �dissatisfied	 �with	 �the	 �goods	 � or 	 � services	 �that	 �you	 �have	 �purchased	 �with	 �
                  your 	 � credit	 �card,	 �and	 �you	 �have	 �tried	 �in	 �good	 �faith 	 � to	 �correct	 �the	 �problem	 �with	 �the	 �
                  merchant, 	 � you	 �may	 �have	 �the	 �right	 �not	 �to	 �pay	 �the	 �remaining 	 � amount	 �due	 �on	 �the	 �
                  purchase. 	 �
                  	 �
                  To	 �use	 �this	 �right,	 �all	 �of	 �the	 �following	 �must 	 � be	 �true: 	 �
                  1.	 �The	 �purchase	 �must	 �have	 �been	 �made	 �in 	 � your	 �home	 �state	 �or	 �within	 �100	 �miles	 �of	 �
                    your 	 � current	 �mailing	 �address,	 �and	 �the	 �purchase 	 � price	 �must	 �have	 �been	 �more	 �
                    than	 �$50.	 �(NOTE: 	 � Neither	 �of	 �these	 �are	 �necessary	 �if	 �your	 �purchase 	 � was	 �based	 �
                    on	 �an	 �advertisement	 �w e 	 � mailed	 �to	 �you,	 �or	 �if	 �we	 �own	 �the	 �company 	 � that	 �sold	 �
                    you	 �the	 �goods	 �or	 �services.) 	 �
                  2.	 �You	 �must	 �have	 �used	 �your	 �credit	 �card	 �for 	 � the	 �purchase.	 �Purchases	 �made	 �with	 �
                    cash	 �advances 	 � from	 �an	 �ATM	 �or	 �with	 �a	 �check	 �that	 �accesses 	 � your	 �credit	 �card	 �
                    account	 �do	 �not	 �qualify. 	 �
                  3. 	 � You	 �must	 �not	 �yet	 �have	 �fully	 �paid	 �for	 �the 	 � purchase. 	 � If	 �all	 �of	 �the	 �criteria	 �above	 �
                    are	 �met	 �and	 �you 	 � are	 �still	 �dissatisfied	 �with	 �the	 �purchase,	 �contact 	 � us	 �in	 �writing	 �
                    at: 	 �
                  Blispay 	 �
                  P.O.	 �Box	 �84032 	 �
                  Columbus,	 �GA	 �31908 -�? 4032 	 �
                  	 �
                  While	 �we	 �investigate,	 �the	 �same	 �rules	 �apply 	 � to	 �the	 �disputed	 �amount	 �as	 �discussed	 �
                  above. 	 � After	 �we	 �finish	 �our	 �investigation,	 �we	 �will	 �tell 	 � you	 �our	 �decision.	 �At	 �that	 �
                  point,	 �if	 �we	 �think 	 � you	 �owe	 �an	 �amount	 �and	 �you	 �do	 �not	 �pay,	 �we 	 � may	 �report	 �you	 �as	 �
                  delinquent. 	 �
             	 �
             	 �
             6.   ARBITRATION	 � PROVISION 	 �
                �   PLEASE	 �READ	 �THIS	 � ARBITRATION	 �PROVISION 	 � CAREFULLY	 �AS	 �IT	 �AFFECTS	 �YOUR	 �
                  RIGHTS	 �AND	 �WILL	 �IMPACT	 �HOW	 �LEGAL	 �CLAIMS	 �YOU	 �BRING	 �AGAINST 	 � BLISPAY	 �
                  INC.	 �OR	 �FIRST	 �ELECTRONIC	 �BANK 	 � OR	 � THAT	 �BLISPAY	 �INC.	 �OR	 �FIRST	 �ELECTRONIC	 �
                  BANK 	 � BRING	 �AGAINST	 �YOU	 �ARE	 �RESOLVED.	 �	 �If	 �you	 �have	 �a	 �dispute	 � regardin g	 �your	 �
                  Blispay	 �Visa	 �Card ,	 �we	 � encourage	 �you	 �to	 �first	 �contact	 �B lispay	 �at	 �
                  arbitration @blispay.com 	 � or	 �877 -�? 907 -�? 7475 	 � to	 �try	 �resolving	 �your	 �problem 	 � directly 	 �
                  with	 �B lispay . 	 �
                �   IF	 �YOU	 �ARE	 � COVERED	 �BY	 �THE	 �MILITARY	 �LENDING	 �ACT	 �THIS	 �SECTION	 �DOES	 �NOT	 �
                  APPLY	 �TO	 �YOU. 	 �
             	 �                          	 �                         15 	 �
                �   ARBITRATI ON	 �REQUIRED:	 �	 � Except	 �as	 �explicitly	 �provided	 �in	 �this	 � arbitration	 �
                  p rovision ,	 �any	 �dispute	 �or	 �claim	 �relating	 �in	 �any	 �way	 �to	 �your	 � use	 �of	 �the	 �Blispay	 �Visa	 �
                  Card	 � or	 �any	 � B lispay	 �websites	 �or	 �native	 �apps , 	 � or	 �otherwise	 �arising	 �out	 �of	 �or	 �
                  relating	 �to	 �this	 �Agreement	 �or	 �the	 � s ervices 	 � provided	 �pursuant	 �to	 �the	 �terms	 �of	 �this	 �
                  Agreement 	 � that	 �cannot	 �be	 �resolved	 �directly	 �between	 �you	 �and	 � B lispay 	 � shall	 �be	 �
                  resolved	 �by	 �binding	 �arbitration,	 �rather	 �than	 �in	 �court.	 � This	 �arbitra tion	 �provision	 �is	 �
                  intended	 �to	 �be	 �broad	 �and	 �e xcept	 �as	 �otherwise	 �provided,	 �is 	 � applicable	 �to 	 � any	 � and	 �
                  all	 � claims	 � disputes	 �or	 �controversies	 �(whether	 � based	 � upon 	 � contract,	 �statute,	 �tort 	 �
                  (intentional	 �or	 �otherwise),	 �common	 �law ,	 �fraud,	 �misrepresentation	 �or	 �any	 �other 	 �
                  legal	 �theory 	 � and	 �whether	 �pre -�? existing,	 �present	 �or	 �future)	 �including	 �initial	 �claims,	 �
                  counterclaims,	 �cross -�? claims	 �and	 �third	 �party	 �claims;	 �including	 �but	 �not	 �limited	 �to,	 �
                  whether	 �a	 �claim	 �or	 �dispute	 �must	 �be	 �arbitrated;	 �and	 �the	 �validity	 �or	 �enforceability	 �
                  of	 �this 	 � arbitration	 �provision ;	 �and	 �including	 �claims	 �involving	 � First	 �Electronic	 �Bank 	 �
                  (Bank) ,	 �blispay	 �inc.	 � and	 �its	 �or	 �the	 �Bank�s	 �agents,	 �employees,	 �officers,	 �directors,	 �
                  predecessors	 �in	 �interest	 �and	 �successors	 �and	 �assigns 	 � ( Claims ) .	 � Pursuant	 �to	 �this	 �
                  a rbitrat ion	 � provision ,	 �any	 �Claims	 �will	 �be	 �resolved	 �exclusively	 �through	 �final	 �and	 �
                  binding	 �arbitration,	 �rather	 �than	 �in	 �court,	 �except	 � as	 �otherwise	 �indicated	 �in	 �this	 �
                  a rbitration 	 � provision 	 � (see	 �Exceptions	 �below) .	 � 	 � The	 �Federal	 �Arbitration	 �Act	 �and	 �
                  federal	 �arbitration	 �law	 �app ly	 �to	 �this	 � Agreement .	 �There	 �is	 �no	 �judge	 �or	 �jury	 �in	 �
                  arbitration	 �and	 �court	 �review	 �of	 �an	 �arbitration	 �award	 �is	 �limited,	 �but	 �an	 �arbitrator	 �
                  can	 �award	 �an	 �individual	 �the	 �same	 �damages	 �and	 �relief	 �as	 �a	 �court	 �and	 �must	 �apply	 �
                  and	 �follow	 �the	 �terms	 �of	 �this	 � Agreement 	 � as	 �a	 � court	 �would.	 �YOU	 �UNDERSTAND	 �
                  THAT	 � BY	 �ENTERING	 �INTO	 �THIS	 �AGREEMENT	 �YOU	 �WAIVE	 �ANY	 �RIGHT	 �TO	 �A	 �JURY	 �
                  TRIAL	 �OF	 �ALL	 �CLAIMS	 � AND	 �DISPUTES	 �COVERED	 �BY	 �THIS	 �AR BITRATION	 �
                  PROVISION . 	 �
                �   REJECTION	 �OF	 �ARBITRATION	 �AGREEMENT.	 �	 �You	 �may	 �reject	 �this	 �arb itration	 �
                  provision	 �by	 � emailing	 �B lispay	 �at	 �arbitration@blispay.com	 �within	 �60	 �days	 �after	 �the	 �
                  date	 �you	 �first	 �applied	 �for	 �your	 �Blispay	 �Visa	 �Card.	 �	 �Your	 �emailed	 �rejection	 �notice	 �
                  must	 �include	 �your	 �name,	 �address,	 �telephone	 �number	 �and	 �the	 �last	 �four	 �digits	 �of	 �
                  your	 �account	 �number.	 �	 �This	 � is	 �the	 � only 	 � met hod	 �you	 �can	 �use	 �to	 �reject	 �this	 �
                  a rbitration	 � provision .	 � 	 �
                �   HOW	 �DOES	 �ARBITRATION	 �WORK?	 �	 �Arbitration	 �is	 �less	 �formal	 �than	 �a	 �lawsuit	 �filed	 �
                  in	 �court.	 �	 �Arbitration	 �uses	 �a	 �neutral	 �arbitrator	 �instead	 �of	 �a	 �judge.	 �Court	 �review	 �or	 �
                  appeal	 �of	 �an	 �arbitr ation	 � award	 �is	 �very	 �limited.	 �	 �The 	 � arbitrator	 �can	 �award	 �the	 �
                  same	 � damages	 �on	 �an	 �individual	 �basis	 �that	 �a	 �court	 �can	 �award	 �to	 �an	 �individual,	 �and	 �
                  must	 �apply	 �this	 �Agreement	 � (including	 �the	 �arbitration	 �provision)	 � in	 �the	 �same	 �way	 �
                  a	 �court	 �would. 	 �	 � The	 �arbitrator	 �can	 �decide	 � all	 �issues	 �except	 �the	 �interpretation	 �of	 �
                  the	 �section	 �below	 �entitled	 ��NO	 �CLASS	 �ACTIONS�.	 �	 �Only	 �a	 �court	 �of	 �competent	 �
                  jurisdiction	 �shall	 �decide	 �these	 �issues. 	 �	 � 	 �
                �   HOW	 �TO	 �INITIATE	 �ARBITRATION:	 �	 � Either	 �you	 �or	 � blispay	 �inc.	 �or	 �the	 �Bank	 � may	 �
                  initiate	 �arbitration	 � through	 �the	 �American	 �Arbitration	 �Association	 �(the	 �AAA) 	 � and	 �
                  the	 �rules	 �of	 �the	 �AAA,	 �including	 �the	 �AAA	 �Consumer	 �Arbitration	 �Rules	 �(where	 �
             	 �                          	 �                         16 	 �
                  applicable) 	 � will	 �apply ;	 �provided	 �that	 �if	 �the	 �AAA	 �is	 �unavailable	 �or	 �unwilling	 �to	 �
                  serve	 �as	 �administrator	 �of	 �any	 �arbitration,	 � a	 �substitute	 �administrator	 �shall	 �be	 �
                  selected	 �by	 �either	 �(a)	 �mutual	 �agreement	 �of	 �the	 �parties,	 �or	 �(b)	 �if	 � the	 �parties 	 �
                  cannot	 �agree,	 �by	 �a	 �court	 �at	 �the	 �request	 �of	 �either	 �party.	 �	 �Any	 �arbitrator	 �appointed	 �
                  must	 �be	 �a	 �lawyer	 �with	 �more	 �than	 �10	 �years�	 �experience	 �or	 �a	 �r etired	 �or	 �former	 �
                  judge .	 �	 �The	 �current	 �rules	 �of	 �the	 �AAA	 �are	 �available	 �at	 �the	 �AAA	 �website : 	 �
                  www.adr.org .	 �	 �Also	 �a	 �form	 �for	 �initiating	 �arbitration	 �proceedings	 �is	 �available	 �on	 �
                  the	 �AAA	 �website.	 � 	 � If	 �a	 �substitute	 �arbitration	 �administrator	 �is	 �appointed	 �we	 �will	 �
                  ensure 	 � that	 �you	 �have	 �contact	 �information	 �for	 �such	 �substitute	 �administrator	 �so	 �
                  that	 �you	 �may	 �obtain	 �any	 �applicable	 �rules	 �and	 �forms.	 �	 � The	 �arbitration	 �shall	 �be	 �held	 �
                  in	 �the	 �county	 �in	 �which	 �you	 �live	 �or	 �at	 �another	 �mutually	 �agreed	 �location.	 �	 �If	 �the	 �
                  value	 �of	 �the	 �relief	 �s ought	 �is	 �$10,000	 �or	 �less,	 � the	 �parties 	 � may	 �elect	 �to	 �have	 �the	 �
                  arbitration	 �conducted	 �by	 �telephone	 �or	 �based	 �only	 �on	 �written	 �submissions.	 �	 �This	 �
                  election	 �shall	 �be	 �binding	 �on	 � the	 �parties ,	 �unless	 �the	 �arbitrator	 �requires	 �an	 �in -�?
                  person	 �hearing,	 �which	 �is	 �within	 �the	 �ar bitrator�s	 �discretion,	 �if	 �warranted	 �by	 �the	 �
                  circumstances. 	 �
                �   RESTRICTIONS:	 �	 � You	 �agree	 �that	 �any	 �arbitration	 �shall	 �be	 �limited	 �to	 �the	 �dispute	 �
                  between	 � blispay	 �inc.	 �or	 �the	 �Bank 	 � and	 �you	 �individually.	 �To	 �the	 �fullest	 �extent	 �
                  permitted	 �by	 �law,	 � 	 �
                     o   No	 �arbitration	 �shall	 �be	 �joined	 �with	 �any	 �other;	 � 	 �
                     o   There	 �is	 �no	 �right	 �or	 �authority	 �for	 �any	 �dispute	 �to	 �be	 �arbitrated	 �on	 �a	 �class -�?
                       action	 �basis	 �or	 �to	 �utilize	 �class	 �action	 �procedures 	 � (see	 �NO	 �CLASS	 �ACTIONS	 �
                       below) ;	 � 	 �
                     o   There	 �is	 �no	 �right	 �or	 �authority	 �for	 �any	 �dispute	 �to	 �b e	 �brought	 �in	 �a	 �purported	 �
                       representative	 �capacity	 �on	 �behalf	 �of	 �the	 �general	 �public	 �or	 �any	 �other	 �
                       persons,	 �and 	 �
                     o   If	 �for	 �any	 �reason	 �a	 �claim	 �proceeds	 �in	 �court	 �rather	 �than	 �in	 �arbitration,	 � you,	 �
                       blispay	 �inc.	 �and	 �the	 �Bank 	 � each	 �waive	 �any	 �right	 �to	 �a	 �jury	 �trial	 �and	 �agree 	 � to	 �
                       proceed	 �only	 �on	 �an	 �individual	 �basis	 �and	 �not	 �in	 �a	 �class,	 �consolidated,	 �or	 �
                       representative	 �action. 	 �
                �   NO	 �CLASS	 �ACTIONS:	 �	 � Y ou ,	 �blispay	 �inc. 	 � and	 � the	 �Bank 	 � agree	 �that	 �each	 �of	 �us	 �may	 �
                  bring	 �claims	 �against	 �the	 �other	 �only	 �on	 �an	 �individual	 �basis	 �and	 �not	 �as	 �a	 �plaintif f	 �
                  or	 �class	 �member	 �in	 �any	 �purported	 �class	 �or	 �representative	 �action	 �or	 �proceeding.	 �
                  You,	 �blispay	 �inc.	 �and	 �the	 �Bank 	 � specifically	 �agree	 �that	 �arbitration	 �is	 �not	 �available	 �
                  and	 �shall	 �not	 �be	 �conducted	 �on	 �a	 �class -�? wide	 �basis	 �and	 �that	 � the	 �arbitrator(s)	 �may	 �
                  not	 �consoli date	 �or	 �join	 �more	 �than	 �one	 �person�s	 �or	 �party�s	 �claims	 �and	 �may	 �not	 �
                  otherwise	 �preside	 �over	 �any	 �form	 �of	 �a	 �consolidated,	 �representative,	 �or	 �class	 �
                  proceeding.	 � If	 �any	 �question	 �is	 �raised	 �relating	 �to	 �whether	 �class	 �actions	 �or	 �
                  consolidate d	 �actions	 �are	 �permitted,	 �the 	 � ar bitrator(s)	 �is	 �not	 �authorized	 �to	 �
                  decide	 �that	 �question	 �and	 �that	 �question	 �must	 �be	 �resolved	 �by	 �a	 �court.	 �	 � Also,	 �the	 �
                  arbitrator(s)	 �may	 �award	 �relief	 �(including	 �monetary,	 �injunctive,	 �and	 �declaratory	 �
             	 �                          	 �                         17 	 �
                  relief)	 �only	 �in	 �favor	 �of	 �the	 �individual	 �party	 �seeking	 �relief	 � and	 �only	 �to	 �the	 �extent	 �
                  necessary	 �to	 �provide	 �relief	 �necessitated	 �by	 �that	 �party�s	 �individual	 �claim(s).	 �Any	 �
                  relief	 �awarded	 �cannot	 �affect	 �other	 � B lispay	 � Card	 � users. 	 �	 � If	 �this	 �paragraph	 �cannot	 �
                  be	 �enforced,	 �then	 �this	 �entire	 �arbitration	 �provision	 �shall	 �be	 �null	 �and	 �void. 	 �
                �   EXCEPTIONS:	 � You	 � and	 �blispay	 �inc.	 �and	 �the	 �Bank 	 � will	 �not 	 � be 	 � require d 	 � to	 �arbitrate:	 � 	 �
                     o   A ny	 �individual	 �case	 �in	 �small	 �claims	 �court	 �or	 �your	 �state�s	 �equivalent	 �co urt,	 �
                       so	 �long	 �as	 �it	 �remains	 �an	 �indivi dual	 �case	 �in	 �that	 �court;	 � 	 �
                     o   A 	 � case	 � blispay	 �inc.	 �or	 �the	 �Bank 	 � file s 	 � to	 �collect	 �money	 �you	 �owe	 � under	 �this	 �
                       Agreement .	 �However,	 �if	 �you	 �respond	 �to	 �the	 �collection	 �lawsuit	 �by	 �claiming	 �
                       any	 �wrongdoing,	 � blispay	 �inc.	 �or	 �the	 �Bank 	 � may	 � require	 �you	 �to	 �arbitrate ; 	 �
                     o   Any	 �disputes	 �seeking	 �to	 �enforce	 �or	 �protect , 	 � or	 �concerning	 �the	 �validity	 �of	 �
                       your	 �or	 �blispay 	 � inc. �s 	 � or	 �the	 �Bank�s 	 � intellectual	 �property	 �rights;	 �and 	 �
                     o   Any	 �claim	 �for	 �injunctive	 �relief. 	 �
                �   FEES:	 � Your	 �arbitration	 �fees	 �and	 �your	 �share	 �of	 �arbitr ator	 �compensation	 �shall	 �be	 �
                  governed	 �by	 �the	 �AAA	 �rules	 �and,	 �where	 �appropriate,	 �limited	 �by	 �the	 �AAA	 �
                  Consumer	 �Rules.	 �	 �If	 �such	 �costs	 �are	 �determined	 �by	 �the	 �arbitrator	 �to	 �be	 �excessive,	 �
                  blispay 	 � inc.	 �or	 �the	 �Bank 	 � will	 �pay	 �all	 �arbitration	 �fees	 �and	 �expenses. 	 �
                �   The	 �scope	 � of	 �this	 � a rbitration	 � p rovision	 �is	 �to	 �be	 �given	 �the	 �broadest	 �possible	 �
                  interpretation	 �that	 �is	 �enforceable. 	 �
                �   Th e	 �terms	 �of	 �this 	 � a rbitrat ion	 �provision 	 � shall	 �survive	 �the	 �closing	 �of	 �your	 �Account	 �
                  and/or	 �the	 �termination	 �of	 �the	 �Card	 �Agreement. 	 �
             	 �
             7.   OTHER	 � LEGAL	 � 	 �
                �   GOVERNING 	 � LAW 	 � AND	 �FORUM :	 �	 � T his	 � A greement 	 � has	 �been	 � accepted	 �by	 �us	 �in	 �the	 �
                  state	 �of	 �Utah 	 � and	 �all	 �extensions	 �of	 �credit	 � are	 �made	 �by	 �us	 �in	 �the	 �state	 �of	 �Utah .	 �	 �
                  Regardless	 �of	 �the	 �state	 �of	 �your	 �residence	 �you	 �agree	 �that	 �the	 �provisions	 �of	 �this	 �
                  agreement	 �are 	 � governed	 �by	 � federal	 �law	 �and	 � to	 �the	 �extent	 �state	 �laws	 �apply,	 � the	 �
                  laws	 �of	 �the	 �state	 �of	 � Utah 	 � without	 �regard	 �to	 �principles	 �of	 �conflicts	 �of	 �law .	 � 	 � You	 �
                  agree	 �that	 �any	 �claim	 �or	 �dispute	 �you	 �may	 �have	 �against	 �us ,	 �in	 �the	 �event	 �that	 �the	 �
                  a rbitration 	 � provision 	 � in	 �Section	 �6	 �is	 �found	 � to	 �not	 �apply, 	 � must	 �be	 �resolve d	 �by	 �a	 �
                  court	 �located	 �in	 �Utah 	 � and	 �you	 �agree	 �to	 �submit	 �to	 �the	 �personal	 �jurisdi ction	 �of	 �the	 �
                  courts	 �located	 �in	 �Utah 	 � for	 �the	 �purpose	 �of	 �litigating	 �all	 �such	 �claims	 �or	 �disputes. 	 �
                �   CHANGES	 �TO	 �THIS	 �AGREEMENT:	 � W e	 �may	 �change	 �the	 �rates,	 �fees ,	 �and	 �terms	 �of	 �
                  this	 �Agreement	 �from	 �time	 �to	 �time	 �as	 �permitted	 �by	 �law.	 �	 �The	 �changes	 �may	 �add,	 �
                  replace,	 �or	 �remove	 �provisions	 �of	 �this	 �Agreement.	 �	 �We	 �will	 �give	 �you	 �notice	 �of	 �any	 �
                  changes	 �and	 �we	 �will	 �give	 �you	 �advance	 �notice	 �of	 �the	 �changes	 �and	 �a	 �right	 �to	 �opt	 �
                  out	 �as 	 � required	 �by	 �law. 	 � 	 �
             	 �                          	 �                         18 	 �
                �   RIGHT	 �TO	 � ASSIGN :	 � You	 �may	 �not	 �assign	 �or	 �otherwise	 �transfer	 �your	 �rights	 �and	 �
                  privileges	 �under	 �this	 �Agreement,	 �or	 �delegate	 �your	 �obligations	 �to	 �repay	 �amounts	 �
                  you	 �owe	 �to	 �us.	 �We	 �may	 �assign	 �any	 �and	 �all	 �of	 �our	 �rights	 �under	 �this	 �Agreement	 �at	 �
                  any	 �time	 �without	 �your	 �consent.	 �Any	 �person ,	 �company	 �or	 �bank	 �to	 �whom	 �we	 �
                  assign	 �this	 �Agreement	 �shall	 �be	 �entitled	 �to	 �all	 �of	 �our	 �rights	 �under	 �this	 �Agreement.	 � 	 �
                �   MISCELLANEOUS : 	 � 	 � 	 �
                     o   W aiver 	 � -�? 	 � a ny	 �waiver	 �of	 �a	 �breach	 �of	 �any	 �provision	 �of	 �this	 �Agreement	 �will	 �
                       not	 �be	 �a	 �waiver	 �of	 �any	 �other	 �subsequent	 �breach.	 �Failur e	 �or	 �delay	 �by	 �
                       either	 �party	 �to	 �enforce	 �any	 �term	 �or	 �condition	 �of	 �this	 �Agreement	 �will	 �not	 �
                       constitute	 �a	 �waiver	 �of	 �such	 �term	 �or	 �condition.	 � 	 �
                     o   S everability 	 � -�? 	 � I f	 �at	 �any	 �time	 �after	 �the	 �date	 �of	 �this	 �Agreement,	 �any	 �of	 �the	 �
                       provisions	 �of	 �this	 �Agreement	 � are 	 � held	 �by	 �any	 �c ourt	 �of	 �competent	 �
                       jurisdiction	 �to	 �be	 �illegal,	 �void	 �or	 �unenforceable,	 �such	 �provision	 �shall	 �be	 �of	 �
                       no	 �force	 �and	 �effect,	 �but	 �the	 �illegality	 �and	 �unenforceability	 �of	 �such	 �
                       provision	 �shall	 �have	 �no	 �effect	 �upon	 �and	 �shall	 �not	 �impair	 �the	 �enforceability	 �
                       of	 �any	 �other	 �pr ovisions	 �of	 �this	 �Agreement.	 � 	 � Notwithstanding	 �the	 �
                       preceding	 �sentence,	 �if	 �the	 �paragraph	 �titled	 �No	 �Class	 �Actions	 �in	 �Section	 �6	 �
                       cannot	 �be	 �enforced,	 �then	 �the	 �entire	 �arbitration	 �provision	 �in	 �Section	 �6	 �
                       shall	 �be	 �null	 �and	 �void. 	 �
                     o   H eadings 	 � -�? 	 � t he	 �headings	 �in	 �this	 � Agreement	 �are	 �for	 �reference	 �purposes	 �
                       only	 �and	 �shall	 �not	 �affect	 �the	 �interpretation	 �of	 �this	 �Agreement	 �in	 �any	 �way. 	 �
                     o   E ntire	 �agreement	 � � 	 � this	 �agreement	 �is	 �the	 �final	 �expression	 �of	 �the	 �
                       agreement	 �between	 �you	 �and	 � First	 �Electronic 	 � Bank	 �and	 �may	 �not	 �be	 �
                       contradicted	 �by	 � evidence	 �of	 �any	 �oral	 �agreement. 	 �
                  	 �
             8.   COMMUNICATIONS	 � AND	 �INFORMATION	 �SHARING 	 �
                �   Our 	 � Communications	 �Policy ,	 �which	 �you	 �previously	 �agreed	 �to	 �is	 �located 	 � at 	 �
                  www.blispay.com/policy/communication.pdf .	 � T his	 � P olicy 	 � is	 �incorporated	 �her e in	 �
                  by	 �reference, 	 � and 	 � includes	 �your 	 � express 	 � consent	 �to	 �receive	 �text	 �messages	 �and	 �
                  calls	 �regarding	 �your	 �account	 �from	 � an	 � automated	 �dialer	 � and/or	 � using	 � a	 � pre -�?
                  recorded	 �voice. 	 �
                �   You	 �authorize	 �us	 �to	 �share	 �information	 �about	 �you	 �as	 �permitted	 �by	 �law.	 �	 �This	 �
                  includes	 �information	 �we	 �get	 �from	 �you	 �and	 �other s	 �as	 �well	 �as	 �your	 �history	 �and	 �
                  transactions	 �with	 �us.	 �	 �Please	 �see	 �our	 � Privacy	 �Policy 	 � for	 �more	 �info	 �at	 �
                  www.blispay.com/policy/privacy.pdf	 � 	 �
             	 �
                                                                   09 / 0 7 / 1 7 	 �
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             	 �                          	 �                         19 	 �
             	 �
             	 �
             	 �
             B lispay	 � Cash	 �Back	 �Terms 	 �
             	 �
             The	 �Blispay	 �Cash	 �Back	 �program	 �is	 �very	 �simple.	 �	 �Earn	 �2%	 �Cash	 �Back	 �on	 �all	 � purchases	 �via	 �an	 �
             automatic	 �statement	 �credit. 	 �
             	 �
             H ow	 � to 	 � Earn	 �Cash	 �Back 	 �
             You	 �will	 �earn	 �2%	 �Cash	 �Back	 �on	 �every	 �purchase	 �made	 �with	 �your	 �Blispay	 �Visa	 �Card . 	 �	 � This	 �
             includes	 �all	 �purchases	 �of	 �goods	 �and	 �services	 �and	 �recurring	 �transactions.	 �	 �It	 �also	 �includes	 �
             purchases	 �made	 �with	 �your	 �card	 �through	 �a	 �digital	 �or	 �mobile	 �wallet	 �or	 �other	 �third	 �party	 �
             payment	 �account	 �(e.g.	 �PayPal	 �or	 �Apple	 �Pay).	 � 	 �
             	 �
             When	 �you	 �will	 �not	 �earn	 �Cas h	 �Back 	 �
             You	 �will	 �not	 �earn	 �Cash	 �Back	 �on	 �disputed	 �or	 �fraudulent	 �transactions.	 �	 �If	 �you	 �originally	 �
             earned	 �Cash	 �Back	 �on	 �such	 �transactions,	 �the	 �Cash	 �Back	 �will	 �be	 �reversed.	 �	 �For	 �example,	 �for	 �
             disputed	 �transactions	 �you	 �may	 �receive	 �Cash	 �Back	 �in	 �the	 �cycle	 �that	 �the	 �tra nsaction	 �posts	 �
             to	 �your	 �account,	 �but	 �if	 �you	 �dispute	 �that	 �transaction	 �the	 �following	 �cycle	 �then	 �that	 �Cash	 �
             Back	 �amount	 �will	 �be	 �reversed	 �when	 �your	 �dispute	 �is	 �accepted.	 �	 � 	 �
             	 �
             You	 �will	 �not	 �earn	 �Cash	 �Back	 �if	 �you	 �return	 �an	 �item,	 �have	 �any	 �other	 �adjustment	 �on	 �your	 �
             accou nt,	 �or	 �receive	 �credit	 �back	 �from	 �a	 �merchant	 �or	 �service	 �provider.	 � We	 �will	 �reverse	 �the	 �
             Cash	 �Back	 �that�s	 �associated	 �with	 �the	 �return,	 �credit	 �or	 �adjustment.	 �	 � 	 �
             	 �
             Special	 �Cash	 �Back	 �Offers 	 �
             From	 �time	 �to	 �time,	 �we	 �may	 �have	 �special	 �offers	 �on	 �Cash	 �Back.	 �	 �The	 �full	 �terms	 �f or	 �these	 �
             offers	 �will	 �be	 �available	 �on	 �blispay.com	 �and	 �will	 �be	 �subject	 �to	 �these	 �Terms.	 � 	 �
             	 �
             How	 �you	 �Redeem	 �your	 �Cash	 �Back 	 �
             Your	 �Cash	 �Back	 �will	 �be	 �redeemed	 �automatically	 �as	 �a	 �statement	 �credit.	 �	 �For	 �example,	 �if	 �
                                 th
             you	 �make	 �a	 �purchase	 �on	 �the	 �5 	 � of	 �the	 �month	 �and	 �your	 � billing	 �period	 �ends	 �on	 �the	 �15th,	 �
                                             th
             your	 �statement	 �for	 �the	 �period	 �ending	 �on	 �the	 �15 	 � of	 �that	 �month	 �will	 �contain	 �the	 �Cash	 �
             Back	 �redemption.	 �	 �The	 �statement	 �credit	 �will	 �be	 �applied	 �to	 �your	 �Balance.	 �	 �You	 �will	 �always	 �
             need	 �to	 �pay	 �your	 �entire	 �minimum	 �payment	 �due	 �as	 �sh own	 �on	 �your	 �account	 �statement.	 � 	 �
             	 �
             In	 �the	 �event	 �your	 �card	 �is	 �lost	 �or	 �stolen	 �we	 �may	 �delay	 �the	 �redemption	 �of	 �your	 �Cash	 �Back	 �
             until	 �your	 �new	 �card	 �is	 �set	 �up.	 �	 �	 �Your	 �Cash	 �Back	 �will	 �always	 �transfer	 �to	 �your	 �new	 �card.	 � 	 �
             	 �
             You	 �are	 �responsible	 �for	 �letting	 �Blispay	 �know	 �if 	 � you	 �do	 �not	 �receive	 �Cash	 �Back	 �for	 �an	 �
             eligible	 �purchase. 	 �
             	 �
             	 �
             	 �
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             Other	 �Items 	 �
             Blispay	 �reserves	 �the	 �right,	 �in	 �its	 �sole	 �discretion,	 �to	 �disqualify	 �you	 �from	 �participating	 �in	 �
             Cash	 �Back	 �and	 �to	 �invalidate	 �or	 �reverse	 �Cash	 �Back	 �earned	 �for	 �abuse,	 �fraud	 �or	 �any	 �
             violation	 �of	 � these	 �Terms	 �or	 �your	 �Card	 �Agreement. 	 �
             	 �
             We	 �may	 �revise	 �these	 �Cash	 �Back	 �terms	 �at	 �any	 �time	 �and	 �we	 �may	 �cancel,	 �suspend	 �or	 �
             change	 �the	 �Cash	 �Back	 �program	 �at	 �any	 �time.	 �	 �We	 �will	 �provide	 �you	 �notice	 �if	 �any	 �of	 �these	 �
             events	 �occur. 	 �
             	 �
             These	 �Cash	 �Back	 �Terms	 �are	 �also	 �governed	 � by	 �your	 �Blispay	 �Card	 �Agreement	 �which	 �is	 �
             incorporated	 �by	 �reference,	 �including	 �the	 �Arbitration	 �Agreement.	 �	 �If	 �there	 �is	 �any	 �conflict	 �
             between	 �these	 �Terms	 �and	 �your	 �Card	 �Agreement	 �your	 �Card	 �Agreement	 �shall	 �govern. 	 � 	 �
             Capitalized	 �terms	 �not	 �defined	 �in	 �these	 �Terms	 �sh all	 �have	 �the	 �meaning	 �given	 �to	 �them	 �in	 �
             your	 �Card	 �Agreement. 	 �
             	 �
             To	 �be	 �eligible	 �for	 �the	 �Cash	 �Back	 �Program	 �your	 �Blispay	 �Visa	 �Card	 �must	 �not	 �be	 �closed	 �or	 �in	 �
             Default.	 �	 �You	 �agree	 �that	 �you	 �are	 �an	 �individual	 �and	 �are	 �using	 �this	 �account	 �for	 �personal,	 �
             family	 �or	 �household 	 � purposes. 	 �
             	 �
             	 �
             	 �
             	 �
             	 �                          	 �     	 �        l ast	 �updated:	 �10/30/2015 	 �
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