ACCOUNT OPENING DISCLOSURES

Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases

29.99%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.99%

Paying Interest

This APR will vary with the market based on the Prime Rate.

Your Payment Due Date is at least 25 days after the close of each
Billing Cycle. We will not charge you any interest on purchases if you
pay your entire Account balance by the Payment Due Date each
month. We will begin charging interest on cash advances on the
transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set up and Maintenance Fees

NOTICE: Some of these set-up and maintenance fees will be assessed
before you begin using your Card and will reduce the amount of credit
you initially have available. Based on your Credit Limit of $500, your
initial available credit will be $375 (or $345 if you choose to have an
additional Card).

You may still reject this plan, provided that you have not yet used the
Card or paid a fee after receiving a Monthly Billing Statement. If you do
reject the plan, you are not responsible for any Fees or Other Charges.

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Annual Fee

$125.00 for the first year, after that $96.00 annually

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Monthly Maintenance Fee

$120 annually (billed at $10.00 per month). Monthly Maintenance Fee
not billed for the first 12 months your account is opened.

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Additional Card Fee

$30.00 (one time, if applicable)

Transaction Fees

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Cash Advance

Transaction fees are not billed for the first 12 months your account is
open.

Either $5.00 or 5% of the amount of each cash advance, whichever is
greater.

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Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees

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Late Payment

Up to $38.00

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Returned Payment

Up to $38.00

How We Will Calculate Your Balance: We use a method called "average daily balance(including new purchases)." See 
INTEREST CHARGES below for more details.

INTEREST CHARGES

INTEREST CHARGES for purchases and cash advances are calculated at a monthly periodic rate of 2.4992%, which is
equivalent to an ANNUAL PERCENTAGE RATE ("APR") of 29.99%.

Variable Rate.

The APR may increase or decrease on the first day of the subsequent monthly Billing Cycle based on changes in the
prime rate ("Index"). The APR is calculated by adding the amount of margin stated below to the Index. The Index is the
prime rate published in the Money Rates section of The Wall Street Journal on the 25th day of each month. If the Index is
not published on that day, the Index on the next business day will be used. Any increase in the APR may increase the
amount of interest charged to your Account and the total amount you must pay, and may take the form of an increase in
the monthly Minimum Payment. If the Index is no longer available, we will choose a new index that is based upon
comparable information. The APR for purchases and cash advances will be determined by adding a margin of 25.24% to
the Index.

INTEREST CHARGES are imposed on purchases beginning on the date a purchase is posted to your Account.
However, INTEREST CHARGES will not be imposed on purchases made in any Billing Cycle in which the previous
balance shown on your Monthly Billing Statement is zero and you pay your new balance in full by the Payment Due Date
shown on your Monthly Billing Statement. INTEREST CHARGES are imposed on cash advances beginning on the date
a cash advance is obtained and continuing until the balance of your Account is paid in full. There is no time in which you
can pay the balance of cash advances in order to completely avoid INTEREST CHARGES.

INTEREST CHARGES for a Billing Cycle are calculated separately for purchases and cash advances. There is no
minimum INTEREST CHARGE. The INTEREST CHARGE calculation begins on the date the transaction is posted to
your Account.

For purchases, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average daily
balance of purchases. To determine the average daily balance of purchases, we take the beginning outstanding balance
of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily
balance of purchases. (Any daily balance that is a credit balance is treated as zero ($0.00) balance.) Then, we add all the
daily balances of purchases for the Billing Cycle together and divide the total by the number of days in the Billing Cycle.
This gives us the average daily balance of purchases.

For cash advances, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average daily
balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding
balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we
apply to the cash advance balance. This gives us the daily balance of cash advances. (Any daily balance that is a credit
balance is treated as zero ($0.00) balance.) Then, we add all the daily balances of cash advances for the Billing Cycle
together and divide the total by the number of days in the Billing Cycle. This gives us the average daily balance of cash
advances.

FEES AND OTHER CHARGES

Your Account is subject to the following Fees and Other Charges, each of which may be charged to your Account:

Cash Advance Fee. In addition to the INTEREST CHARGE on cash advances, there is a fee of 5% or $5.00, whichever
is greater, for each cash advance posted to your Account that month ("Cash Advance Fee"). NO CASH ADVANCES
ARE PERMITTED DURING THE FIRST 95 DAYS AN ACCOUNT IS OPEN. Cash Advance Fees will not be assessed
during the first twelve (12) months after your Account is open.

Additional Card Fee. Your Account will be assessed a one-time additional card fee of $30.00 for each authorized user
you add to your Account.

Foreign Currency Transaction Fee. Your Account will be assessed a foreign currency transaction fee equal to 3% of
any transaction made in a foreign currency that is converted to U.S. Dollars. This fee will not be assessed to foreign
transactions made in the first 12 months your Account is open.

Annual Fee. Your Account will be assessed an Annual Fee of $125.00 (“Annual Fee”) for the first year and $96.00 each
subsequent year. The Annual Fee will be billed to your Account once the account is opened, and on or about your
anniversary date each year. Your payment of the Annual Fee does not affect our right to close your Account or our ability
to limit transactions on your Account.

Annual Fee Renewal Refund Disclosure. We will refund the Annual Fee charged to your Account if you notify us, within
30 days from the date of the Monthly Billing Statement on which it appears, that you wish to close your Account.

Monthly Maintenance Fee. Your Account will be assessed a monthly maintenance fee, which will be billed at $10.00 per

 
 
 
 
 
 
 
 
 
 
 
 
 
month to your Account (“Monthly Maintenance Fee”) at the end of each Billing Cycle. Your payment of the Monthly
Maintenance Fee does not affect our right to close your Account or our ability to limit transactions on your Account.

Late Payment Fee. If we do not receive a payment from you in at least the amount of the minimum payment due
("Minimum Payment") by the Payment Due Date shown on your Monthly Billing Statement, you will be charged a Late
Payment Fee equal to the lesser of $27.00 or your Minimum Payment ("Late Payment Fee") in accordance with law. If
you fail to make a timely payment in any of the six (6) Billing Cycles after the initial late payment, you will be charged
$38.00 or the amount of the required Minimum Payment, whichever is less. We may refer to this fee as the "Late Fee" or
"Late Charge".

Returned Payment Fee. If you make a payment on your Account and your check or other payment instrument (including
an electronic funds transfer or a telephone authorized draft) is not honored for any reason or cannot be processed, we
will charge a Returned Payment Fee equal to the lesser of $27.00 or your Minimum Payment ("Returned Payment Fee").
In the event a payment is returned in any of the six (6) Billing Cycles after the initial returned payment, you will be
charged $38.00 or the amount of the required Minimum Payment, whichever is less. The charge may be imposed even if
we elect to re-present the item and it is paid upon our re- presentment. We will not charge both a Late Payment Fee and
a Returned Payment Fee based upon a single payment.

Expedited Phone Pay Fee. Each time you contact us to arrange a payment by a draft on your deposit account or by
debit card using an expedited service by a customer service representative; an Expedited Phone Pay Fee of $10.95 will
be imposed by a third-party money transfer agent, such as Western Union Speedpay. This fee, along with the payment
amount, will appear on your deposit account. For clarity, "expedited" means crediting a payment to your Account the
same day, or if the payment is received after the payment cut-off time (5:00 pm EST), the next business day. You can
avoid paying an Expedited Phone Pay Fee by (i) mailing your payment to the address listed on your Monthly Billing
Statement, (ii) paying online, or (iii) scheduling a future-dated payment via a customer service representative that is not
otherwise classified as an expedited payment.

OTHER IMPORTANT DISCLOSURES:

Security Deposit (if applicable). We may require a collateral deposit in the form of a security deposit, up to the full
amount of the Credit Limit to be paid in full before the Account is opened to secure your obligations under this Agreement
and to offset the risk associated with the Account. You understand and agree that if we require a security deposit, we
may use any or all amounts of the deposit to pay amounts you owe under this Agreement if you are in default or you or
we close or cancel your Account. Refer to the "Terms and Conditions of Your Deposit Account" and "Truth in Savings
Disclosure — Deposit Account" section of this Agreement for more information.

Available Credit Limits. Once the entire security deposit, if applicable, is paid in full, your Account will be opened and
you will have access to your initial available credit. Funds received in connection with a security deposit may be held up
to 10 days before an Account is opened.

Authorization. You certify that all the information given in this application is true and correct and you are giving this
information in order to obtain credit and authorize us to obtain information concerning any statements herein. You agree
to furnish us with all requested information. You authorize us to charge the Annual Fee, Monthly Maintenance Fee and
Additional Card Fee (if applicable) to your Account.

Applicable Law. This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, or
otherwise) at any time arising from or related to your Account, this Agreement or any transferred balances, are governed
by and construed in accordance with applicable federal law and, to the extent not preempted by federal law, by the laws
of Utah (without applying its choice-of-law rules). The formation, legality, enforceability, and interpretation of this
Agreement, and any amounts contracted for, charged and received under this Agreement, will be governed by such laws.
This Agreement is entered into between you and us in Utah, regardless of the state of your residence or whether or not
your Account or Card is used in Utah. Our decisions regarding the extension of credit to you are made in the State of
Utah. Federal and Utah law will also apply to any controversy, claim, or dispute arising from or relating in any way to the
subject matter of this Agreement and your Account, including, without limitation, statutory, equitable, and tort claims.

Availability of Credit and Payment Holds. Generally, payments are credited to your Account on the day they are
received. Available credit created as a result of payments posted to your Account may not be available for up to seven
(7) days, or longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason. If you use
a payment service provided by a third party to deliver your payment to us, that third party may charge you a fee for such
service; such third party fees will not be billed to your Account. Credit to your Account may be delayed up to five (5) days
if payment is (a) not received at the Payment Address or (b) not accompanied by the payment coupon portion of your
Monthly Billing Statement. Delayed crediting may result in Late Fee and additional INTEREST CHARGES and Fees
being applied to your Card.

Cash Back Rewards Program. Your Account may provide you with cash back rewards. If it does, see the separate
Cash Back Rewards Agreement provided to you for terms and conditions of the rewards program. If your Account
includes a cash back rewards feature, the Cash Back Rewards Agreement is incorporated into this Agreement by

 
 
 
 
 
 
 
 
 
 
reference, and any and all disputes related to the Cash Back Rewards Agreement are subject to the arbitration provision
contained herein.

Your Consent to Automated-Dialer and Pre-recorded Calls and Text Messages. By providing us with a telephone
number(s), at any time, you consent and authorize Celtic Bank and its affiliates, agents and independent contractors, to
contact you regarding your Account at such number(s) using any lawful means of communication, including, but not
limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or
text messages. Providing us with a telephone number(s) constitutes a new authorization for such communications, which
authorization takes priority over any prior preference or election you made to opt-out of receiving calls made using
automated dialing services, pre-recorded messages or text messages. You do have the option to opt out of receiving
communications at that number any time thereafter. Standard text messaging and/or calling charges imposed by your
provider may apply.

YOUR BILLING RIGHTS

KEEP THIS NOTICE 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 Monthly Billing Statement.

If you think there is an error on your Monthly Billing Statement, write to us at:

Continental Finance

P.O. Box 3220

Buffalo, NY 14240-3220

In your letter, give us the following information:

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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 Monthly Billing Statement, 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 Monthly Billing Statement.

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At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount

you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter When we receive your letter, we must do two things:

1.

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have

already corrected the error.

2.

Within 90 days, of receiving your letter, we must either correct the error or explain to you why we believe the

Monthly Billing Statement is correct.

While we investigate whether or not there has been an error:

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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 Monthly Billing Statement, and we may continue to charge you 

INTEREST CHARGES on that amount.

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While you do not have to pay the amount in question, you are responsible for the remainder of your Account

balance.

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We can apply any unpaid amount against your Credit Limit.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
After we finish our investigation, one of two things will happen:

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If we made a mistake: You will not have to pay the amount in question or any INTEREST CHARGES, Fees and

Other Charges related to that amount.

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If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 

INTEREST CHARGES, Fees and Other Charges. We will send you a Monthly Billing 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 Monthly Billing Statement 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 Monthly Billing Statement. We must tell you the name of anyone to whom we reported you as
delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your
Monthly Billing Statement 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 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 we mailed to you, or if we own the company that sold you the goods or services.)

2.

You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a

check that accesses your 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:

Continental Finance

P.O. Box 3220

Buffalo, NY 14240-3220

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as
delinquent.

STATE DISCLOSURES

California Residents. A married applicant may apply for a separate Account. As required by law, you are hereby notified
that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting Agency if you
fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right to use the
Account up to the limit of the Account. Each applicant may be liable for amounts extended under the plan to any joint
applicant.

Delaware Residents. Service charges not in excess of those permitted by law will be charged on the outstanding
Account balances from month to month.

Kentucky Residents. You may pay the unpaid balance of your Account in whole or in part at any time.

New York and Vermont Residents. We may obtain a consumer report for any legitimate purpose in connection with
your Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your
Account. Upon your request, we will inform you of the names and addresses of any Consumer Reporting Agencies that
have furnished the reports. New York residents may contact the New York State Banking Department (1-800-342-3736)
to obtain a comparative list of credit card rates, fees and grace periods.

Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all credit

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
worthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents. No provision of any marital property agreement, unilateral statement, or court order
applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted, the creditor
is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision.

Arbitration Notice. If you are issued a credit Card, your Cardholder Agreement will contain a binding Arbitration
Provision. In the event of any dispute relating to your Agreement, the dispute will be resolved by binding arbitration
pursuant to the rules of the American Arbitration Association or an arbitration organization mutually agreed upon by the
parties. Both you and we agree to waive the right to go to court or to have the dispute heard by a jury (except in regard to
any collection activities on your Account). You and we will be waiving any right to a jury trial and you also would not have
the right to participate as part of a class of claimants relating to any dispute with us. Other rights available to you in court
may also be unavailable in arbitration. When you receive your Agreement you should read the Arbitration Provision in
your agreement carefully and not accept or use the Card unless you agree to be bound by the Arbitration Provision.

 
 
 
PRICING ADDENDUM

Interest Rates and Interest Charges

Annual Percentage Rate (APR)
for Purchases

29.99%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.99%

Paying Interest

This APR will vary with the market based on the Prime Rate.

Your Payment Due Date is at least 25 days after the close of each
Billing Cycle. We will not charge you any interest on purchases if you
pay your entire Account balance by the Payment Due Date each
month. We will begin charging interest on cash advances on the
transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set up and Maintenance Fees

NOTICE: Some of these set-up and maintenance fees will be assessed
before you begin using your Card and will reduce the amount of credit
you initially have available. Based on your Credit Limit of $500, your
initial available credit will be $375 (or $345 if you choose to have an
additional Card).

You may still reject this plan, provided that you have not yet used the
Card or paid a fee after receiving a Monthly Billing Statement. If you do
reject the plan, you are not responsible for any Fees or Other Charges.

l

Annual Fee

$125.00 for the first year, after that $96.00 annually

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Monthly Maintenance Fee

$120 annually (billed at $10.00 per month). Monthly Maintenance Fee
not billed for the first 12 months your account is opened.

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Additional Card Fee

$30.00 (one time, if applicable)

Transaction Fees

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Cash Advance

Transaction fees are not billed for the first 12 months your account is
open.

Either $5.00 or 5% of the amount of each cash advance, whichever is
greater.

l

Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees

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Late Payment

Up to $38.00

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Returned Payment

Up to $38.00

How We Will Calculate Your Balance: We use a method called "average daily balance(including new purchases)." See 
INTEREST CHARGES below for more details.