CARDMEMBER AGREEMENT — Self Financial Visa® Credit Card — Rev. 03/2020 

Cardmember Agreement and Security Agreement 

Thank you for choosing the Self Financial Visa Credit Card. This Cardmember Agreement and Security 
Agreement (the “Agreement”) explains the current terms and conditions of your Account. The enclosed 
Pricing Schedule is part of this Agreement. 

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION.  THIS PROVISION AFFECTS 
YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US, INCLUDING YOUR RIGHT TO BRING OR 
PARTICIPATE IN A CLASS ACTION LAWSUIT.  THE ARBITRATION PROVISION CAN BE FOUND 
IN THIS AGREEMENT UNDER THE HEADING “ARBITRATION.” 

Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. 
Contact us if you have any questions. 

DEFINITIONS 

Capitalized terms not otherwise defined in this Agreement have the following meanings: 

“Account” means your Self Financial Visa Credit Card account. 

“Affiliate” means our parent corporations, subsidiaries and affiliates. 

“Bank” means Lead Bank, the issuing bank of the Self Financial Visa Credit Card. 

“Billing Cycle” means the time interval covered by a billing statement, which is approximately thirty 
days. 

"Business Days" means Monday through Friday, excluding Federal Reserve Bank holidays. 

“Card” means the Self Financial Visa Credit Card issued to you. 

“Check” means any check we send to you to access your Account. 

“Pricing Schedule” means the document entitled Pricing Schedule, which lists the APRs that apply to 
your Account and other important information. 

“Prime Rate” means the highest U.S. Prime Rate published in The Wall Street Journal Money Rates 
table on the last business day of each month. 

“Purchase” means the use of your Account to purchase or lease goods or services at participating 
merchants. 

“Security Agreement” means the portion of the Agreement entitled, “Security Agreement”, which 
provides the terms applicable to your security deposit. 

“We,” “us” and “our” refer to the Bank. 

“You,” “your” or “yours” refer to you and any other person(s) who are also contractually liable under this 
Agreement. 

“Transaction Date” means the date shown on your billing statement for a transaction or fee. 

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CARDMEMBER AGREEMENT — Self Financial Visa® Credit Card — Rev. 03/2020 

ACCEPTANCE OF AGREEMENT 

You accept this Agreement, and expressly agree to be bound by the terms, conditions, and disclosures 
of this Agreement if (i) you do not cancel your Account within 30 days after receiving a Card, or (ii) you 
use your Card. You may, however, reject the “Arbitration of Disputes” section as explained in that 
section. 

COMMUNICATIONS CONSENT 

You expressly consent and agree that Bank and our affiliates, agents, assignees and service providers 
may use written, electronic or verbal means to contact you. This consent includes, but is not limited to, 
contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails 
and/or automatic telephone dialing systems. You agree that Bank and our affiliates, agents, assignees 
and service providers may use any email address or any telephone number you provide, now or in the 
future, including a number for a cellular phone or other wireless device, regardless of whether you incur 
charges as a result. For any wireless (cell phone) number you provide, you represent that you are the 
subscriber or are authorized to consent to these communications on behalf of the subscriber. You 
agree that the Bank may monitor and record any telephone calls to assure the quality of our service or 
for other business reasons, and that you will advise us if your contact information changes. 

SECURED ACCOUNT; PROVISION OF SECURITY DEPOSIT 

The Account is a secured credit card account. In consideration of the creation of the Account and the 
issuance of the Card, you have agreed to provide a security deposit, in accordance with the terms of 
the Security Agreement below.   

CHANGES TO YOUR AGREEMENT 

The rates, fees and terms of this Agreement may change from time to time. We may add or delete any 
term of this Agreement. If required by law, we will give you advance written notice of the change(s) and 
a right to reject the change(s). We will not charge any fee or interest charge prohibited by law. 

USING YOUR ACCOUNT 

Permitted Uses 

You may use your Account for Purchases. You promise to use your Account only for personal, family, 
or household purposes.  You may not use it for illegal transactions. Purchases can only be made in the 
United States.  We may decline any transaction at any time.    

Authorized Users 

At this time, we only support that you, as the cardholder, be the single user of the Card. We do not 
support additional authorized users.  If you permit any person to use your Card, you will be liable for all 
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transactions made by that person, including transactions for which you may not have intended to be 
liable. 

Checks 

If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase. You may 
not use these Checks to pay any amount you owe us. 

Credit Authorizations 

We do not guarantee approval of transactions. We may not authorize a transaction for security or other 
reasons, such as Account default, suspected fraudulent or unlawful activity, internet gambling, or any 
indication of increased risk related to the transaction. We will not be liable to you if we decline to 
authorize a transaction or if anyone refuses your Card, Check or Account number. 

Credit Lines 

We will tell you what your Account credit line is. You must keep your Account balance below your 
Account credit line. If you do not, we may request immediate payment of the amount by which you 
exceed it.  If you exceed your credit limit, you will still remain liable for all credit you receive.  We may 
delay increasing your available credit by the amount of any payment that we receive for up to 10 
Business Days. 

Your initial credit limit is based on the amount of the Security Deposit that you initially deposited to the 
Security Deposit Account. However, we will charge your $25 annual fee to your Account, which will 
reduce your available credit by that amount. 

Purchases 

You may use your Account to make Purchases by presenting your Card or providing your Card number 
and additional information (for example, in online or telephone transactions) to participating merchants 
and establishments that honor the Card. 

We will not be liable to you (or anyone else) if any ATM, merchant or other person cannot or will not 
process a purchase transaction permitted under this Agreement. Unless prohibited by applicable law, 
we may from time to time limit the type, number and dollar amount of any transaction, even if you have 
sufficient available credit to complete the transaction, and may terminate or suspend your use of the 
Card or the Account, with or without notice to you before or at the time we take such action. 

Promise to Pay 

When you use your Account or let someone else use it, you promise to pay the total amount of the 
Purchases made, plus all interest, fees and other amounts that you may owe us. We may limit or close 
your Account, but the terms of this Agreement will apply until you pay the Account in full. 

Lost or Stolen Cards and Liability for Unauthorized Use 

You must notify us immediately if your Card or Account information is lost or stolen, or you believe 
someone is using your Account or a Card without your permission.  You may contact us by phone at 1-
877-883-0999 or in writing to Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 
78701.  You agree to assist us in our investigation of the matter. If you do this and we find you not 
responsible, you will not be held liable for the unauthorized use of your Account. 

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CARDMEMBER AGREEMENT — Self Financial Visa® Credit Card — Rev. 03/2020 

To the extent not covered in elsewhere in this Agreement, Visa’s Zero Liability Policy provides you with 
protections against certain unauthorized transactions on your Card.  We will evaluate any such 
unauthorized transaction claims for which you notify us, and we limit your liability for such transactions 
to zero.  However, we may increase your liability for such transactions if we reasonably determine, 
based on substantial evidence, that you were negligent or acted fraudulently in the handling of your 
Card or Account. 

FEES 

The following fees may apply to your account. If they do apply, you will find the amount in the Pricing 
Schedule. You agree to pay any fees that apply. 

Annual Fee 

We will charge an annual fee during your first billing cycle after you open your Account and every 12 
months thereafter. The annual fee is treated as a Purchase transaction.  

Late Fee 

We will not charge a late fee the first time you do not make the Minimum Payment Due by the Payment 
Due Date. After that, if you do not pay the Minimum Payment Due by the fifteenth day following the 
Payment Due Date, we will charge you a late fee. The late fee will never exceed the Minimum Payment 
Due that was due immediately prior to the date on which the fee was assessed.   

Returned Payment Fee 

If you make a payment that is not honored by your financial institution, we will charge you a returned 
payment fee, even if the payment is subsequently honored after we re-submit it. The returned payment 
fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which 
the payment was returned to us. 

INTEREST CHARGES 

Applicable Rate 

See your Pricing Schedule for information about the Annual Percentage Rate (APR) that applies to your 
Account. 

Your Pricing Schedule may include a variable APR. The Variable APR is determined by adding the 
number of percentage points that we specify in the Pricing Schedule to the Prime Rate. The Variable 
APR will increase or decrease when the Prime Rate changes. An APR change will take effect on the 
first day of the billing period that begins during the same calendar month that the Prime Rate changes. 
An increase in the APR will increase your interest charges and may increase your Minimum Payment 
Due.   

How We Calculate Interest Charges 

We calculate interest charges each Billing Cycle. To calculate your balance for purpose of charging 
interest at the end of each Billing Cycle, we use a method called “Average Daily Balance (including new 
purchases).” This method involves a two-step calculation.  

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First, we calculate the "Average Daily Balance" by doing the following: 

We take the beginning balance for Purchases each day during the monthly billing period, add any new 
Purchases posted that day, and subtract any payments that are applied to the Purchase transaction 
category for that day.  This gives us the daily balance.  We then add up all the daily balances for each 
day included in the monthly Billing Cycle, and divide by the total number of days included in the monthly 
Billing Cycle.  That gives us the Average Daily Balance.  

Next, we divide the applicable Annual Percentage Rate by 365.  This gives us the "Daily Interest Rate". 

Finally, we 1) multiply the Daily Interest Rate by the Average Daily Balance, then 2) multiply the result 
by the number of days in the Billing Cycle.  This gives us the interest charge.  

Grace Periods.  We will not assess interest charges on any new Purchases posted to your Account, 
provided you have paid your previous month’s balance in full (or your previous month's balance was 
zero or a credit amount). If you pay the “New Balance” amount on your previous billing statement by the 
Payment Due Date, as shown on that billing statement, we will not impose interest charges on new 
Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing 
statement. New Purchases are Purchases that first appear on the current billing statement. 

When Interest Charges Begin. We begin to impose interest charges on a transaction from the day we 
add it to the daily balance. We continue to impose interest charges until you pay the total amount you 
owe us. You can avoid paying interest on Purchases as described above.  

MAKING PAYMENTS 

Payment Instructions 

●      You must pay in U.S. dollars. Please do not send cash, checks or money orders. Sending cash is 
not allowed. You may only make electronic payments using either a U.S. bank account or debit 
card. 

●      You must pay us for all amounts due on your Account. 
●      We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your 

Account our cost to convert it to U.S. dollars. 

●      We can accept late payments, partial payments or payments marked “payment in full” or with any 

other restrictive endorsement without losing any of our rights under this Agreement. 

●      We credit your payments in accordance with the terms contained on your billing statement. 
●      If a third party makes a payment on your Account and we return all or a part of such payment, then 
we may adjust your Account for any amount returned. We reserve the right to defend ourselves 
against any demand to return funds we have received, and may agree to a compromise of the 
demanded amount as part of a settlement. 

Minimum Payment Due 

You may pay the entire New Balance shown on your billing statement at any time. Each billing period 
you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing 
statement. The “Minimum Payment Due” will be the greater of:  
●      $15; or 

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●      Any amount past due plus 3% of the New Balance shown on your billing statement (excluding any 

interest charges and fees shown on your billing statement).  

The Minimum Payment Due may also include amounts by which you exceed your Account credit line. It 
will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract 
from the New Balance certain fees added to your Account during the billing period. The Minimum 
Payment Due is rounded up to the nearest dollar. 

How We Apply Payments 

We apply payments and credits at our discretion, including in a manner most favorable or convenient 
for us. In all cases, we will apply payments and credits as required by applicable law. 

OTHER IMPORTANT INFORMATION 

Default 

You are in default if: 
●    you file bankruptcy or another insolvency proceeding is filed by you or against you; 
●    you provide us with any false or misleading information; 
●    we have a reasonable belief that you are unable or unwilling to repay your obligations to us; 
●    you die or are legally declared incompetent or incapacitated; 
●    you use a check or instrument for payment which is dishonored; 
●    any other creditor tries by legal process to take money of yours, including Funds (as defined in the 

Security Agreement), in our possession; 

●    you fail to comply with the terms of this Agreement or any Agreement with us or an affiliate, 

including failing to make a required payment when due, exceeding your Account credit line or using 
your Card or Account for an illegal transaction. 

If you are in default, we may declare the entire balance of your Account immediately due and payable 
without notice. 

Re-Verification of Credit Information 

We can review any information you provided on your application at any time. This may include: 

●      requesting credit bureau reports; 
●       verifying your current credit standing; and 
●       verifying your employment, assets and income records. 

Collection Costs 

If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. 
These include reasonable attorneys’ fees, court or other collection costs, and fees and costs of any 
appeal. 

Automatic Account Information Updates 

You may set up automatic billing or store your Account information with a merchant, wallet provider, or 
other third party. If your card information changes, which may include billing address, you authorize us 
to provide this updated information to any such merchant, wallet provider, or other third-party at our 

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discretion. You must contact the merchant, wallet provider, or other third-party directly or remove your 
credit card information from the merchant site, wallet provider, or third-party if you wish to stop 
automatic billing or account updates. 

Privacy Policy 

We send you our Privacy Policy when you open your Account and annually. Contact us at 
help@self.inc if you would like a copy. Please read it carefully. It summarizes: 

●      the personal information we collect; 
●      how we safeguard its confidentiality and security; 
●      when it may be shared with others; and 
●      how you can limit our sharing of this information. 

Reporting to Credit Reporting Agencies 

We may from time to time review your credit, employment and income records. We may report the 
status and payment history of your Account to credit reporting agencies and other creditors. We 
normally report to credit reporting agencies each month. If you believe that the information we reported 
is inaccurate or incomplete, please write us at Lead Bank c/o Self Financial, Inc. 515 Congress Ave, 
Suite 2200, Austin, TX 78701. Please include your name, address, home phone number and Account 
number. 

Cancellation of Your Account 

●      You may cancel your Account. You will remain responsible for any amount you owe us under 

this Agreement. 

●      We may cancel, suspend or not renew your Account at any time without notice. 

Governing Law 

Except as provided in the “ARBITRATION” section, this Agreement is governed by applicable federal 
law and by Missouri law, without regard to its choice-of-law rules.  

Severability 

If any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the 
waiver of class actions in the “ARBITRATION” section is invalidated in any proceeding in which you and 
we are involved, then the entire “ARBITRATION” section will be void with respect to that proceeding. 

Enforcing this Agreement 

We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving 
any of them. 

Assignment of Account 

We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, 
assign or transfer your Account without first obtaining our prior written consent. 

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MILITARY BORROWERS 

Statement of Military Annual Percentage Rate (MAPR) 

Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the 
Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. 
This rate must include, as applicable to the credit transaction or account: (1) the costs associated with 
credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; 
(3) any application fee charged (other than certain application fees for specified credit transactions or 
accounts); and (4) any participation fee charged (other than certain participation fees for a credit card 
account). 

Oral Disclosures 

Before agreeing to this Agreement, in order to hear important disclosures and payment information 
about this Agreement, or whether this section applies to you, please call 1-877-883-0999 anytime 24/7. 

CONTACT US 

Unless we tell you otherwise, you can notify us: by phone at 1-877-883-0999 or in writing to Lead Bank 
c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701. When writing, please include your 
name, address, home phone number and Account number. You must contact us within 15 days after 
changing your e-mail address, mailing address or phone number. 

STATE DISCLOSURES: 

(1) MARRIED WISCONSIN RESIDENTS: You agree that no provision of any marital property 
agreement, unilateral statement under the Wisconsin Marital Property Law or court decree will 
adversely affect our interests unless, prior to the time credit is granted, we are given a copy of the 
agreement, statement, or decree or we have actual knowledge of the adverse provision. 
(2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: 
(1) may, after credit approval, use the credit card account up to its credit limit; (2) may be liable for 
amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that 
a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if 
you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against 
discrimination require that all creditors make credit equally available to all credit worthy customers, and 
that credit reporting agencies maintain separate credit histories on each individual upon request. The 
Ohio Civil Rights Commission administers compliance with this law. (4) NEW YORK RESIDENTS: New 
York residents may contact the New York State Department of Financial Services by telephone or visit 
its website for free information on comparative credit card rates, fees and grace periods. NY State Dept 
of Financial Services: 1-800-342-3736 or visiting http://www.dfs.ny.gov/consumer/creditdebt.htm 
(5) NEW YORK AND VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate 
purpose associated with the account or the application or request for an account, including but not 
limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be 

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informed if such a report was ordered. If so, you will be given the name and address of the consumer 
reporting agency furnishing the report.  If you are a Vermont resident, you consent to the obtaining of 
such reports by signing or otherwise submitting a credit application. (6) DELAWARE AND OREGON 
RESIDENTS: Service charges not in excess of those permitted by law will be charged on the 
outstanding balances from month to month. You may pay more than the minimum payment due, up to 
your entire outstanding balance, at any time.  (7) UTAH RESIDENTS: As required by Utah law, you are 
hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a 
credit reporting agency if you fail to fulfill the terms of your credit obligations. 

ARBITRATION 

This Arbitration Provision does not apply if, on the date you submit your Application or on the date we 
seek to invoke our arbitration provision, you are a member of the Armed Forces or a dependent of such 
a member covered by the federal Military Lending Act, 10 USC § 987 and its implementing regulations, 
32 CFR § 232.1, et sec.  If you would like more information about whether you are covered by the 
Military Lending Act, please contact us at 1-877-883-0999.  

IT IS IMPORTANT THAT YOU READ THIS ARBITRATION PROVISION CAREFULLY. IT PROVIDES 
THAT YOU MAY BE REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH ARBITRATION, 
EVEN IF YOU PREFER TO LITIGATE SUCH CLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU 
MAY HAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY. YOU ARE WAIVING 
YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION, 
OR OTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS 

Agreement to Arbitrate. In the event of a dispute, claim, or controversy between you and us arising out 
of or relating to this Account, or the relationships resulting from this Account or any other dispute 
between you or us (“Claim”), either you or we may choose to resolve the Claim by binding arbitration, 
as described below, instead of in court. Any Claim (except for a claim challenging the validity or 
enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by 
binding arbitration if either side requests it. THIS MEANS IF EITHER YOU OR WE CHOOSE 
ARBITRATION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT 
OR TO HAVE A JURY TRIAL. DISCOVERY AND APPEAL RIGHTS ALSO ARE LIMITED IN 
ARBITRATION. 

Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to 
any Claim made by a new party or any new Claims later asserted in that lawsuit. 

The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to 
the extent necessary to provide relief warranted by that party’s individual claim. If a court decides that 
applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for 
relief, then after all appeals from that decision have been exhausted, that claim (and only that claim) 
must be severed from the arbitration and may be brought in court. 

Your Right to Go To Small Claims Court. We will not choose to arbitrate any individual claim you bring 
in small claims court or your state’s equivalent court. However, if such a claim is transferred, removed 
or appealed to a different court, we may then choose to arbitrate. 

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Governing Law and Rules. This arbitration agreement is governed by the Federal Arbitration Act (FAA). 
Arbitration must proceed only with the American Arbitration Association (AAA) or JAMS. The rules for 
the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitration 
organization, but the rules in this arbitration agreement will be followed if there is disagreement 
between the agreement and the organization’s procedures. If the organization’s procedures change 
after the claim is filed, the procedures in effect when the claim was filed will apply. For a copy of each 
organization’s procedures, to file a claim or for other information, please contact: 

●      AAA at 1101 Laurel Oak Rd., Voorhees, NJ 08043, www.adr.org (phone 1-877-495-4185) or 
●      JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www. jamsadr.com (phone 1-800-352-

5267). 

If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, 
then either you or we may request that a court with jurisdiction appoint a substitute. 

Fees and Costs. If you wish to begin arbitration against us but you cannot afford to pay the 
organization’s or arbitrator’s costs, we will advance those costs if you ask us in writing. Any request like 
this should be sent to Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701. 
If you lose the arbitration, the arbitrator will decide whether you must reimburse us for money we 
advanced for you for the arbitration. If you win the arbitration, we will not ask for reimbursement of 
money we advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are 
entitled to be reimbursed your reasonable attorneys’ fees and costs (if actually paid by you). 

Hearings and Decisions. Arbitration hearings will take place in the federal judicial district where you live. 
A single arbitrator will be appointed. 

The arbitrator must: 
●      Follow all applicable substantive law, except when contradicted by the FAA; 
●      Follow applicable statutes of limitations; 
●      Honor valid claims of privilege; 
●      Issue a written decision including the reasons for the award. 

The arbitrator’s decision will be final and binding except for any review allowed by the FAA. However, if 
more than $100,000 was genuinely in dispute, then either you or we may choose to appeal to a new 
panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original 
award or any part of it. The appeal must be filed with the arbitration organization not later than 30 days 
after the original award issues. The appealing party pays all appellate costs unless the appellate panel 
determines otherwise as part of its award. 

Claim Notice and Special Payment. If you have a Claim, before initiating an arbitration proceeding, you 
may give us written notice of the Claim (“Claim Notice”) at least 30 days before initiating the arbitration 
proceeding. The Claim Notice must include your name, address, and account number and explain in 
reasonable detail the nature of the Claim and any supporting facts. Any Claim Notice shall be sent to us 
at Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701 (or such other 
address as we shall subsequently provide to you). If, and only if, (1) you submit a Claim Notice in 
accordance with this agreement on your own behalf (and not on behalf of any other party); and (2) an 
arbitrator, after finding in your favor in any respect on the merits of your claim, issues you an award that 
(excluding any arbitration fees or attorneys’ fees and costs awarded by the arbitrator) is greater than 
the value of Bank's last written settlement offer made before an arbitrator was selected, then you will be 

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entitled to the amount of the award or $7,500, whichever is greater. If you are entitled to the $7,500, 
you will receive in addition any arbitration fees or attorneys’ fees and costs awarded by the arbitrator. 

Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction. 

Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this 
arbitration agreement apply to: our Affiliates and our and their officers, directors and employees; any 
third party co-defendant of a claim subject to this arbitration provision; and all joint Account Holders. 

Survival of this Provision. This arbitration provision shall survive: 
●      closing of your Account; 
●      voluntary payment of your Account or any part of it; 
●      any legal proceedings to collect money you owe; 
●      any bankruptcy by you; and 
●      any sale by us of your Account. 

You Have the Right to Reject Arbitration for this Account. You may reject the arbitration agreement but 
only if we receive from you a written notice of rejection within 30 days of your receipt of the Card after 
your Account is opened. You must send the notice of rejection to: Lead Bank c/o Self Financial, 515 
Congress Ave, Suite 2200, Austin, TX 78701, ATTN: Compliance. Your rejection notice must include 
your name, address, phone number, Account number and personal signature. No one else may sign 
the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. 
Rejection of arbitration will not affect your other rights or responsibilities under this Agreement. If you 
reject arbitration, neither you nor we will be subject to the arbitration provisions for this Account. 
Rejection of arbitration for this Account will not constitute rejection of any prior or future arbitration 
agreement between you and us. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE 

This notice contains important information regarding 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: Lead Bank c/o Self Financial, 515 
Congress Ave, Suite 2200, Austin, TX 78701. You may also contact us on the Web at 
www.self.inc/contact.  

In your letter or on the Web, please give us the following information: 
●      Account information: Your name and account number; 
●      The posting date of the transaction in question; 
●      Dollar amount: The dollar amount of the suspected error; and 
●      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.   

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You must notify us of any potential errors in writing or electronically. 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 Written or Electronic Notice 

When we receive your written or electronic notice, we must do two things: 

1.  Within 30 days of receiving your notice, we must tell you that we received it.  We will also tell 

you if we have already corrected the error. 

2.  Within 90 days of receiving your notice, we must either correct the error or explain to you why 

we believe the statement 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 continue to appear on your statement, and we may continue to charge 
you interest on that amount.  If we determine that we made a mistake, you will not have to pay the 
amount in question or any interest or fees related to 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 find that we made a mistake, you will not have to pay the amount in question or any interest or 

other fees related to that amount. 

●      If we do not find that we made a mistake, you will have to pay the amount in question, along with 

applicable interest and fees. We will send you a statement of the amount you owe and the date that 
payment is due. If you do not pay the amount we think you owe, we may report you as delinquent. 

If you receive our explanation but still believe your bill is wrong, and you write to us within 10 days 
telling us that you still refuse to pay, we cannot report you as delinquent without also reporting that you 
are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the questioned amount, 
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 we 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. 
3.  You must not yet have fully paid for the purchase. 

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If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at 
Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 78701, or electronically at 
www.self.inc/contact.  

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. 

This is the Security Agreement for your Account. 

Security Agreement 

1. Security; Security Deposit Account 
In consideration of and as a condition to our opening the Account for you and for other good and 
valuable consideration, you are providing or otherwise arranging for certain of your funds ("Funds") to 
serve as security for your Account.  You authorize us to open a deposit account at Bank in your name 
and under our exclusive control (the "Security Deposit Account"), which will serve as security for your 
Account.  You grant us a security interest in the Security Deposit Account, which will include any and all 
future additions to the Security Deposit Account. No portion of the Security Deposit Account may be 
used to secure other loans. The minimum amount required to be deposited in the Security Deposit 
Account is the amount of your Account credit line, but will not be less than $100. You may make a 
transfer to the Security Deposit Account solely for purposes of funding your required security deposit.  
The Security Deposit Account will be solely owned by you. Funds in the Security Deposit Account at 
Bank are insured by the Federal Deposit Insurance Corporation ("FDIC") up to the maximum allowable 
limits. For more detailed information on FDIC coverage, contact the FDIC directly at 1-877-ASKFDIC 
(1-877-275-3342), (TDD: 1-800-925-4618) or visit www.fdic.gov.   

a. If you have a Credit Builder Account.  If you currently have a Credit Builder Account (managed by 
Self Financial) with Lead Bank or another bank, including Sunrise Banks, N.A. or Atlantic Capital Bank, 
National Association, then (1) you agree that the certificate of deposit (“CD”) that has been established 
in connection with your Credit Builder Account constitutes Funds that serve as security for your 
Account; (2) you grant us a security interest in the CD; and (3) you agree that Lead Bank has the sole 
and absolute right and authority to direct the disposition of the Funds held in the CD without your 
consent or agreement (subject to any prior lien of the bank holding the CD), and that you authorize and 
direct the financial institution with which you have established a Credit Builder Account to comply with 
such direction.  Upon closure, default, or full repayment of your Credit Builder Account, you authorize 
and direct us to, on your behalf, cause the transfer from the CD to the Security Deposit Account, of an 
amount equal to your credit limit (at the time of the transfer) for your Account (or the full amount of the 
funds remaining from your CD, if less than your credit limit) and you authorize and direct the financial 
institution holding the CD to comply with such direction. Once Funds have been transferred from the 
CD to your Security Deposit Account, those Funds will continue to serve as security for your Account.  
We may choose, in our discretion, not to perfect our security interest in a CD held at another bank. 

b. If you do not have a Credit Builder Account.  If you currently do not have a Credit Builder 
Account, then you agree to transfer Funds from another funding source owned by you (such as a 
deposit account or prepaid card) to the Security Deposit Account to serve as security for your Account.  
Your Account will not be opened until your Security Deposit Account has been funded.  

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2. Withdrawals 
You will not be permitted to make withdrawals from the Security Deposit Account (See Section 9 below 
for terms and conditions regarding return of the Funds and closure of your Account.) We will have the 
right to withdraw your funds from the Security Deposit Account as permitted under Sections 8 and 9 
below. 

3. Additional Funds 
Other than depositing Funds to secure your Account, you will not be permitted to make deposits to the 
Security Deposit Account. 

4. Security Deposit Account Statements 
You will get a monthly Security Deposit Account statement as part of your Account statement. 

5. Electronic Fund Transfers to or from your Security Deposit Account  
You may fund your Security Deposit Account with an electronic fund transfer ("Transfer"). If we do not 
complete a Transfer to your Security Deposit Account on time or in the correct amount according to our 
agreement with you, we will be liable for your losses or damages. However, we will not be liable if 
circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable 
precautions that we have taken. In case of errors or questions about your funding Transfers call us at 1-
877-883-0999 or write us at Lead Bank c/o Self Financial, 515 Congress Ave, Suite 2200, Austin, TX 
78701 as soon as you can, if you think your statement is wrong or if you need more information about a 
funding Transfer listed on the statement. We must hear from you no later than 60 days after we sent 
the FIRST statement on which the problem or error appeared. (1) Tell us your name and Account 
number. (2) Describe the error or the Transfer you are unsure about, and explain as clearly as you can 
why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the 
suspected error. If you tell us orally, we may require that you send us your complaint or question in 
writing within 10 Business Days. We will determine whether an error occurred within 10 Business Days 
after we hear from you and will correct any error promptly. If we need more time, however, we may take 
up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your 
Security Deposit Account within 10 Business Days for the amount you think is in error (if applicable), 
during the time it takes us to complete our investigation. If we ask you to put your complaint or question 
in writing and we do not receive it within 10 Business Days, we may not credit your Security Deposit 
Account (if applicable). For errors involving a new Security Deposit Account, we may take up to 90 days 
to investigate your complaint or question. For a new Security Deposit Account, we may take up to 20 
Business Days to credit your Security Deposit Account (if applicable) for the amount you think is in 
error. We will tell you the results within three Business Days after completing our investigation. 

6. Pledge and Grant of Security Interest 
You understand that granting us a security interest in the Security Deposit Account (or the CD, to the 
extent that funds in the CD constitute the Funds that serve as security for your Account) is a necessary 
condition for opening your Account. Your Account will not be opened until you have either provided us a 
security interest in the CD or funded the Security Deposit Account.  As security for the prompt payment 
and performance of all your obligations to us arising pursuant to the Account ("Obligations"), you 
hereby grant a security interest to us in all of your right, title, and interest in the Security Deposit 
Account, the CD (if any), and any and all Funds, including all proceeds of and additions to the Security 
Deposit Account, the CD, and the Funds. We may increase or decrease your Account credit line and no 
such action shall change the fact that the Security Deposit Account, the CD (if any), and the Funds, are 

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held by us as security for the Obligations. You represent that there are no current lawsuits or 
bankruptcy proceedings that might affect our interest in the Security Deposit Account, the CD, or the 
Funds. You have not and will not attempt to transfer or offer any interest in the Security Deposit 
Account or the Funds to any person other than us. You and we acknowledge that subject to our 
possession of and security interest in the Security Deposit Account and the Funds, you retain beneficial 
ownership of the Security Deposit Account and the Funds held at the Bank for FDIC insurance 
purposes. 

7. Interest on Funds 
No interest will be paid on the Funds. If we do pay interest on Funds in the Security Deposit Account in 
the future, we will add it to the Security Deposit Account. 

8. Application of Funds to the Account 
If you are in default under the Cardmember Agreement or the Account is closed for any reason, you 
authorize us at any time(s) to withdraw all or any portion of the Funds from the Security Deposit 
Account or the CD and apply them to reduce your Obligations. Any such application of Funds will not 
constitute any part of the Minimum Payment Due under the Cardmember Agreement. You will continue 
to be responsible for making payments as required under the Cardmember Agreement and for repaying 
any outstanding Obligations. Our rights under this Security Agreement are in addition to any others we 
have under applicable law. We may make settlements or compromises on the Security Deposit 
Account, transfer the Security Deposit Account to our name, or exercise ownership rights on the 
Security Deposit Account. We are not required to notify you of any of the above. 

9. Return of Funds 
If we determine that you qualify for return of any Funds from the Security Deposit Account, we will 
return these Funds to you by a method we deem sufficient. If your Account is closed, we will return any 
excess Funds that remain in the Security Deposit Account after repayment of all Obligations. We 
generally return these excess Funds within ten days after the end of the second billing period following 
the time that Funds are initially applied to reduce your Obligations. If we mail a check to you, we will 
mail it to your mailing address on file with us for the Security Deposit Account. In the event of your 
death, we will not release Funds on deposit unless all Obligations have been repaid and all legal 
documents we require are delivered to us. 

10. Confidentiality 
We will disclose information to third parties about your Security Deposit Account or any transfers you 
make: (a) where it is necessary for completing a transfer, or (b) in order to verify the existence and 
condition of your Security Deposit Account for a third party, or (c) in order to comply with government 
agency or court orders, or (d) if you give us your written permission, or (e) as permitted by the privacy 
notice we have provided to you. 

11. Legal Proceedings 
We may comply with any writ of attachment, adverse claim, garnishment, tax levy, restraining order, 
subpoena, warrant, or other legal proceeding involving your Security Deposit Account which we believe 
to be valid. If your Account, your Security Deposit Account, or your Funds become involved or are likely 
to become involved in a legal proceeding, you understand that the entire balance of your Funds in the 
Security Deposit Account may be restricted until the matter has been resolved. Such proceedings are 
subject to our security interest. We shall be entitled to rely upon the representations, warranties, and 
statements made in such legal proceedings. You agree to hold harmless and indemnify us for any 

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losses, expenses and costs, including reasonable attorneys' fees, incurred by us as a result of 
complying with such legal proceedings. In addition to the events of default set forth in the Cardmember 
Agreement, you will be in default under the Cardmember Agreement if we are served or become 
involved with a legal proceeding regarding the Funds or Security Deposit Account. 

12. Miscellaneous 
This Security Agreement and our security interest and rights as pledge hereunder are governed by 
Missouri law. We may, in our sole discretion, assign the Security Deposit Account and our rights and 
obligations under this Security Agreement. If we use an attorney to defend or enforce our rights under 
this Security Agreement or to perform any legal services in connection with this Security Agreement, we 
may charge you our legal costs as permitted by law. This Security Agreement is part of the 
Cardmember Agreement. The other terms of the Cardmember Agreement apply to this Security 
Agreement, and any disputes regarding the terms of this Security Agreement are subject to Arbitration 
as set forth in the Cardmember Agreement. The terms of this Security Agreement shall survive and 
continue to apply to the Security Deposit Account following closure of the Account or the Security 
Deposit Account, and shall be binding on you even if you cancel your Account or do not accept the 
Cardmember Agreement as permitted in the Cardmember Agreement. If any part of the Security 
Agreement is invalid, the rest of the Security Agreement will remain in effect.  

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Pricing Schedule 

This Pricing Schedule is part of the Cardmember Agreement and Security Agreement. 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

21.74% 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

Not Applicable. 

APR for Cash Advances 

Not Applicable. 

Penalty APR and When it Applies 

None. 

How to Avoid Paying Interest 

Your due date is at least 25 days after the close of each billing period 
(at least 23 days for billing periods that begin in February). We will not 
charge you any interest on purchases if you pay your entire balance by 
the due date each month. 

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 https://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

$25  
NOTICE: The annual fee will be assessed before you begin using your 
card and will reduce the amount of credit you initially have available.   

If your initial credit limit is $100, your initial available credit will be only 
$75.  If your initial credit limit is $125, your initial available credit will be 
only $100.  If your initial credit limit is $150, your initial available credit 
will be only $125.    

You may still reject this plan, provided that you have not yet used the 
account or paid a fee after receiving a billing statement.  If you do reject 
the plan, you are not responsible for any fees or charges. 

Late Payment 

Up to $15 if your minimum payment due is more than $25 
Up to $5 if your minimum payment due is less than or equal to $25   

Returned Payment 

Up to $15 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new 
purchases)."  See your account agreement for more details. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement. 
Variable Rate Information. The Purchase APR is equal to the Prime Rate plus a margin of 18.49%. Variable 
APRs are based on the 3.25% Prime Rate as of March 31, 2020.  The daily periodic rate is currently 0.05956%. 

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