Legal

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How We Will Calculate Your Balance: We use a method called “average daily balance” (including new transactions). See the Consumer Card Agreement below for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Consumer Card Agreement below.

How Do You Calculate Variable APRs? The variable APR disclosed above is based on the Prime Rate + Margin (20.99% to 24.99%, depending on creditworthiness). The APR will not exceed 29.99%. If the Prime Rate + Margin would exceed 29.99%, the APR will instead be 29.99%. If the Prime Rate changes, the variable APR may increase or decrease. If the variable APR increases, your interest charges and your minimum payment may increase. We calculate the variable APR by adding a fixed percentage (known as the “Margin”) to the Prime Rate published in The Wall Street Journal two Business Days before the end of the Billing Cycle. If the Wall Street Journal does not publish the Prime Rate on that day, we will use the Prime Rate for the previous Business Day. If The Wall Street Journal does not publish the Prime Rate or changes the definition of the Prime Rate, we may use the Prime Rate from any other newspaper. Or, we may choose to use a different, similar published rate. If the Prime Rate changes, the resulting changes to the variable APR take effect as of the first day of the next Billing Cycle.

*Variable APR is accurate as of September 17, 2026.

What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase APR is between 0.07668% and 0.08216% depending on your creditworthiness.

Note: Your Account is not eligible for balance transfers or Cash Advances.

Military Lending Act Notice: 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: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation, please call 1-866-953-0189.

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Perpay Mastercard Credit Card
Consumer Card Agreement
PLEASE   READ   THIS   AGREEMENT   CAREFULLY.   THIS   AGREEMENT   IS   SUBJECT   TO   MANDATORY   ARBITRATION
PURSUANT TO THE FEDERAL ARBITRATION ACT,  AND INCLUDES A WAIVER OF CLASS ACTION AND JURY TRIAL
PROVISION,   UNLESS   YOU   ARE   A   COVERED   BORROWER   PROTECTED   BY   THE   MILITARY   LENDING   ACT.   THE
AGREEMENT TO ARBITRATE REQUIRES THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL
ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AND RELIEF AGAINST US ON
AN   INDIVIDUAL   BASIS,   NOT   AS   A   PLAINTIFF,   REPRESENTATIVE   OR   CLASS   MEMBER   IN   ANY   CLASS   OR
REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE
AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.
Thank you for opening a credit card Account with us. This Agreement, and any future changes to it, is your contract with us and
governs your Account. This Agreement will continue to apply whether or not you use your Card or Account. It will continue to apply
even after your Account is closed, as long as you have a balance or owe us.‍

Definitions
All capitalized terms used in this Agreement and not otherwise defined have the meanings set forth below.
● “Account” means your account designated and maintained by the Bank in relation to the credit provided under or in connection with this Agreement. Account includes the account to which any credit transaction or charge by you may be posted.
● “Billing Cycle” means the time period between Statements and is used to manage your Account. Each Statement shows the closing date, which is the last day of the Billing Cycle.
● “Business Day” means Monday through Friday, excluding federal holidays.
● “Card” means one or more cards or other access devices, including your account number or virtual card, that we may issue to you to receive credit under this Agreement. This includes all renewals and substitutions.
● “Cash Advance” means a loan in cash or cash equivalents, including, but not limited to, wire transfers, travelers’ checks, money orders and foreign currency.
● “Covered Borrower” Refers to active duty members of the military, their spouses, and their dependents, as defined in the
Military Lending Act (MLA).
● “Fees” means charges imposed on your Account not based on the Annual Percentage Rate.
● “Interest Charges” means any charges to your Account based on the application of Annual Percentage Rates.
● “Item” means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments.
● “Purchase” means the use of your Account or Card to buy or lease goods or services. Tax payments and any other associated fees are considered Purchases, but Cash Advances are not considered Purchases.
● “Servicer” means Perpay, Inc. (“Perpay”).
● “Statement” means the periodic statement issued in connection with your Account. Your Statement will include all transactions billed to your Account during a Billing Cycle and information about payment owed to us.
● “Truth-in-Lending Disclosures” means disclosures that the federal Truth in Lending Act and Regulation Z require for any
Account. This includes your Rates and Fees Table, any disclosures provided as part of this Agreement, subsequent disclosures, Statements, and change in terms notices.
● “We,” “us,” “our,” and “Bank” means Celtic Bank, and its agents, authorized representatives, successors and assignees.
●  “You”  and  “your”  mean each applicant for the Account, any person responsible for paying the Account, and any person
responsible for complying with this Agreement.

Account Documents
The following Account Documents govern your Account with us:
(1) this Agreement;
(2) all Statements;
(3) any rewards program terms, conditions, and disclosures;

(4) any privacy notices;
(5) any Card benefits brochure which describes benefits provided by the credit card network for your Account. The credit card
network is Mastercard International Incorporated, or any other network provider;
(6) all disclosures and materials provided to you before or when you opened your Account;
(7) any other documents and disclosures relating to your Account, including those provided online; and
(8) any future changes we make to any of the above.

Please read these Account Documents carefully and keep them for future reference.‍

Eligibility; Perpay Payroll Direct Deposit Requirement
In order to be eligible for the Account, you must establish and maintain a payroll direct deposit relationship with Perpay, Inc.
(“Perpay”) (“Perpay Payroll Direct Deposit”) in accordance with the Perpay Payroll Direct Deposit terms and conditions to which you agree.  As  a   condition  to  our  opening  the   Account  for  you,   Perpay   must  receive   a  direct  deposit  made  by your [employer   or   payroll   provider]   by   Automated   Clearing   House   (“ACH”)   in   an   amount   specified   by   Perpay   (“Initial Transfer”) within 60 calendar days from when we notify you that your application for an Account is approved.  If Perpay does not receive the Initial Transfer within 60 calendar days, we will revoke your approval automatically and you will be required to reapply to obtain an Account. We reserve the right to suspend or close your Account or take any other action permitted under this Agreement in the event you become ineligible for the Account at any time. Please refer to your Perpay Payroll Direct Deposit terms and conditions for details. If you have questions about Perpay Payroll Direct Deposit, you may contact Perpay at hello@perpay.com. ‍

New Offers
In the future, we may provide you with new offers that we think may interest you. The terms of these offers may differ from the
standard terms on your Account. This Agreement will still apply.

Account Information
We need information about you to manage your Account. This includes, but is not limited to:
(1) your legal name;
(2) a valid U.S. mailing address and residential address (if different);
(3) your date of birth;
(4) your Social Security number or other government identification number; and
(5) your telephone number(s).
(6) your employment
(7) your annual income

You must tell us when this information changes. We may ask you for additional documents and to verify any changes to
information you have provided us.

You also give us permission to verify or research, with a third party, the information you provide to us. This permission includes,
without limitation, verifying or researching your information with LexisNexis (or similar), United States Department of Homeland Security, and the United States Department of the Treasury.

We may restrict or close your Account if we cannot verify your information, or if you do not provide it as requested.

Credit Limits
We will inform you of your credit limit when you open your Account, and from time to time. We may give you a different credit limit based on your credit qualifications during the term of your Account. You are responsible for keeping track of your balances and your available credit. You must keep your Account balance below the applicable credit limit. We may honor transactions above your credit limit, but if we do, these transactions will not increase your credit limit. You are responsible for paying for any transaction you make above your credit limit. We may increase, decrease, restrict, or cancel your credit limit for any and all transaction types at any time, without notice. This will not affect your obligation to pay us. Your available credit may not be restored for up to seven (7) Business Days after we receive your payment.

Using Your Account
(1) We may decline to authorize a transaction for any reason. This may occur even if the transaction would not cause you to go over your credit limit or your Account is not in default.
(2) We will bill each transaction to the applicable transaction type of your Account. We will apply it against your available credit for that transaction type category.
(3) You must not use, or try to use, the Card for any illegal activity. You are responsible for any charges if you do.
(4) We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control.
(5) You may use the card to make Purchases only for personal, family or household purposes from any person or establishment accepting the Card.

Rewards
Your Account may provide you with the opportunity to earn rewards through Perpay. Separate terms and conditions will govern
any such rewards.

No Authorized Users
We will not issue an additional Card to allow any other person to access the Account. You understand that only you are permitted to use the Card or Account. If, however, any person you authorize initiates a transaction using the Card or Account or if such person incurs a Fee in connection with the Card or Account, you are responsible and liable for the transaction and any Fees or Interest Charges incurred. If you permit another person to have access to the Card or Account, this will be treated as if you authorized such use and you will be liable for all transactions and Fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

Your Promise to Pay
By using your Card or your Account, you promise to pay us for all amounts charged to the Account, including all transactions
made on your Account, as well as any Fees, Interest Charges or other charges or fees

Statements
You agree to be a paperless cardholder and accept all statements, including Statements, disclosures, and communications,
electronically. We will send you an electronic Statement at the end of each Billing Cycle, unless not required by law or the law
prohibits us from doing so. Unless you make other arrangements with us, your Statement will be delivered to you electronically, as further described in the Perpay Electronic Consent Policy. We will not send you a Statement if: (1) we deem your Account uncollectable; (2) delinquency collection proceeds have been instituted; or (3) for any other reason permitted by applicable law. You may request a paper copy of your Statement by calling the number on the back of your Card. Bank will mail any requested paper Statement to you by regular mail to your address as it appears in our records.

Disputed Transactions
You must inspect each Statement you receive and must immediately contact Servicer about any errors or questions you have, as described in the “Billing Rights Summary” on your Statement and in the “Your Billing Rights section” of this Agreement. If you do not notify us of an error, we will assume that all information on the Statement is correct. If we credit your Account for all or part of a disputed transaction, you give us all of your rights against others regarding that transaction, and will also: (1) give us any information about the disputed transaction, if we ask; (2) not pursue any claim or reimbursement of the transaction amount from the merchant or any other person; and (3) help us get reimbursement from others.

Security and Lost or Stolen Card
You must take reasonable steps to prevent the unauthorized use of your Card and Account. For security reasons, you must, upon receipt of the Card, comply with any card activation procedures as may be prescribed by the Bank. You must notify Servicer immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is using your Account or Card without your permission. You will not be responsible for transactions on your Account that we find are unauthorized. If we reimburse you for unauthorized transactions, you will help us investigate, pursue and get reimbursement from the wrongdoer.

Your help includes giving us documents in a form that we request. You should contact Servicer by calling 1-866-953-0189 at any time.

Interest Charges and Fees
How Can I Avoid Paying Interest Charges? If you pay your Statement balance in full by the due date shown on your Statement each Billing Cycle, we will not charge interest on any new Purchases that post to the Purchase balance of your Account. We call this a “grace period.” If you have been paying your Account in full without interest charges, but fail to pay your next Statement balance in full, we will charge interest on the unpaid balance to the extent permitted by applicable law.

How Is The Interest Charge Applied? Interest charges accrue from the: (1) date of the transaction; or (2) date the transaction is processed; or (3) first calendar day of the billing cycle. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire Statement balance one month but did not do so for the previous month. Unpaid interest charges are added to the applicable transaction type (e.g., Purchase) of your Account. However, we reserve the right to not assess interest charges at any time.

How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).
Under this method, we first calculate your daily balance for each transaction type (e.g., Purchases), by: 1) taking the day’s
beginning balance and adding in new transactions and the periodic interest charge on the previous day’s balance, then 2)
subtracting any payments and credits for the specific transaction types as of that day. The result is the daily balance for each
transaction type. However, if you paid your previous month’s Statement balance in full (or if your balance was zero or a credit
amount), new Purchases which post to your Account are not added to the daily balances. Also, transactions subject to a grace
period are not added to the daily balances.

Next, to find your Average Daily Balance, we: 1) add the daily balances together for each transaction type, and 2) divide the sum by the number of days in the Billing Cycle.

At the end of each Billing Cycle, we determine your interest charge as follows: 1) multiply your Average Daily Balance by the daily periodic rate (APR divided by 365) for that transaction type, and 2) multiply the result by the number of days in the Billing Cycle. NOTE: Due to rounding, this calculation may vary from the interest charge actually assessed.

Fees
We will generally treat Fees as Purchase transactions unless otherwise specified below. Fees apply to your Account only if your Truth-in-Lending   Disclosures   provide   for   them.   We   may   increase   your   Interest   Charges   and   Fees   as   described   in   the Amendments to Your Agreement section.
Annual Fee
Your Card has an annual Fee of $0.

Account Opening Fee
Your Card has a one-time Fee of $9.00. This Fee will be assessed when your Account is opened and will reduce the amount of
credit you initially have available.

Monthly Account Service Fee
Your Card has a monthly Fee of $5.50 or $9.00 in the first year and $9.00 thereafter.

Late Payment Fee
We may charge you this Fee in the amount shown on your Rates and Fees Table if we do not receive at least the minimum
payment as instructed on your Statement by the payment due date shown on your Statement. This Fee will not exceed the
amount permitted by law.

Returned Payment Fee

We may charge you this Fee in the amount shown on your Rates and Fees Table each time a payment made to your Account is
not honored by your financial institution for any reason or cannot be processed, even if the payment is honored after we resubmit it.‍

Stop Payment Fee
We may charge you this Fee each time you ask us to stop payment or renew a stop payment order. The fee will be disclosed to
you at the time you submit or renew a stop payment order.
Transactions Made in Foreign Currencies If you make a transaction in a foreign currency, the credit card network provider will convert it into a U.S. dollar amount. The credit card network provider will use its own currency conversion procedures. The
conversion rate in effect on the processing date may differ from the rate in effect on the transaction date that appears on your
Statement. We do not adjust the currency exchange rate; however we will apply a Foreign Transaction Fee as indicated in the Rates and Fees Table above.

Minimum Payment
You must pay us at least the minimum payment amount, which is 4% of the new balance or $15, whichever is higher, by the
payment due date shown on your Statement. Your Statement will tell you: (1) the minimum payment due; (2) your new balance;
(3) the payment due date; and (4) an explanation of when the payment must reach us for us to consider it received as of that date. Returns and other credits to your Account will reduce your Account balance and may change your minimum payment amount.

In addition to the minimum payment, you may pay all or part of the total balance on your Account. But, you must still pay at least the minimum payment amount each month, even if you paid more than the minimum payment due on the previous Statement. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, is part of a bankruptcy proceeding or is otherwise charged off, the total balance is immediately due and payable.

Making Payments
Your payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. You may make payments
using the following payment methods:
• One-time electronic payment from a deposit account;
• Automatic payments from a deposit account;
• Daily automatic payments using Perpay Payroll Direct Deposit funds; or
• Mailing a check.
We will describe the terms for using these payment methods before you use them. We are not responsible if your financial institution rejects a payment made using any of these payment methods. We do not accept cash payments through the mail. You may not make payments with funds from your Account or any other credit account with us or any other company in the Bank organization. We can accept late payments, partial payments or payments marked “payment in full,” or any other restrictive endorsement, without losing any of our rights under this Agreement. We may refuse to accept payments made to your Account by someone else on your behalf. If we do accept it, you will be responsible for the payment and any cost if a financial institution rejects it. We reserve the right to refuse any non-conforming payments.

Payment Processing
We may accept and process payments without losing any of our rights. We may delay the availability of credit until we confirm that your payment has cleared. This may happen even if we credit your payment to your Account. We may resubmit and collect
returned payments electronically. If necessary, we may adjust your Account to correct errors, process returned and reversed
payments, and handle similar issues.

If we, in our sole discretion, accept an Item as payment, you authorize us either to use information from your Item to make a one- time electronic fund transfer from your deposit account or to process the payment as an Item. We may withdraw the funds from your deposit account as early as the same day we receive your payment. You will not receive your Item back from your bank. We will provide additional information about this process on your Statement. We may use the information from an Item to create an electronic image. We may collect and return the image electronically. This electronic image may also be converted to a substitute check and may be processed in the same way we would process an Item. We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended.

How We Apply Your Payments‍

A different APR may apply to your Account depending on the timing of the transaction. If your Account has balances with different APRs, we apply credits and any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances with lower APRs. We apply payments and other credits up to your minimum payment in any order we deem appropriate.

Credit Balances
We may reject and return any payment that creates or adds to a credit balance on your Account. Any credit balance we allow will not be made available until we confirm that your payment has cleared. We may, without notice, restrict the availability of any credit balance in our sole and absolute discretion. We may reduce the amount of any credit balance by any new charges. You may write to the address provided on your Statement or call the number on the back of your Card to request a refund of any available credit balance.

Account Default
You will be in default if:
(1) you do not make any payment when it is due;
(2) any payment you make is rejected, not paid or cannot be processed;
(3) you exceed a credit limit;
(4) you file or become the subject of a bankruptcy or insolvency proceeding;
(5) you are unable or unwilling to repay your obligations, including upon death or legally declared incapacity;
(6) we determine that you made a false, incomplete or misleading statement to us, or you otherwise tried to defraud us;
(7) you do not comply with any term of this Agreement, including the eligibility requirements, or any other agreement with us; or
(8) you permanently reside outside the United States.

If you are in default, we may take certain actions with respect to your Account. For example, depending on the default, we may
take the following actions, without notifying you, unless the law says that we must give you notice:

(1) charge you Fees, or change the APRs and Fees on your Account;
(2) close or suspend your Account;
(3) lower your credit limit(s);
(4) demand that you immediately pay the total balance owing on your Account;
(5) continue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or
(6) file a lawsuit against you or pursue another action that is not prohibited by law. If we file a lawsuit, you agree to pay our court
costs, expenses and attorney fees, unless the law does not allow us to collect these amounts.

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Communications
Unless we tell you otherwise, you may contact us by notifying Servicer at 2400 Market Street, Suite 300, Philadelphia, PA 19103 or calling Servicer at 1-866-953-0189. When writing, please include your name, address, home telephone number and Account number.

To the extent permitted by applicable law, you authorize us and our Servicer, affiliates, agents, and contractors, and anyone to
whom we may sell your Account, to contact you to service your Account or for collection purposes. You agree that these contacts are not unsolicited for purposes of state or federal law. You further agree that the Bank and its Servicer, affiliates, agents, and contractors and anyone to whom it may sell your Account may: (1) contact you in any way, including mail, email, calls, and texts, including a mobile, wireless, or similar device, even if you are charged by your provider, and using automated telephone equipment or prerecorded messages; (2) contact you at any number that you have given us or any number we have for you in our records, even if that number is a wireless, cellular, or mobile number, is converted to a mobile/wireless number, or connects to any type of mobile/wireless device, and even if such telephone number is currently listed on a Do Not Call Registry; and (3) contact you at any email address you provide to us or any other person or company that provides any services in connection with this Agreement. You authorize us to monitor and/or record your calls with us. You agree to notify us within five (5) Business Days after changing your email address, mailing address, or phone number.

Credit Reports
We or our Servicer may obtain and use credit, income and other information about you from credit bureaus and others as the law allows. We may reevaluate your financial condition and investigate any information you provided on your Account application at any time. In the course of doing so, we may obtain a current credit report and ask you for additional information about your financial condition. You give us permission to obtain any information about you that we believe would be beneficial to facilitate our determination of your eligibility for the Account and the Card, including consumer reports from consumer reporting agencies.

We may report information about your Account to credit bureaus and others.  Late  payments, missed  payments,  returned
payments or other defaults on your Account may be reflected in your credit report. If you believe that we have reported
inaccurate information about your Account to a credit bureau or other consumer reporting agency, notify us in writing at 2400
Market Street, Suite 300 Philadelphia, PA 19103. When you write, tell us the specific information that you believe is incorrect and why you believe it is incorrect

Amendments to Your Agreement
We reserve the right to amend this Agreement at any time, by adding, deleting or changing provisions of this Agreement, unless the law prohibits us from doing so. We will give you notice of any changes as required by law. We may notify you of changes on your Statement or in a separate notice. Our notice will tell you when and how the changes will take effect. Your variable APR can increase or decrease as the Prime Rate increases or decreases. If we increase your APRs for any other reason, or if we change your Fees or other terms of your Account, we will notify you as required by law. If any amendment gives you the opportunity to reject the change, and if you reject the change in the manner provided in such amendment, we may terminate your right to receive credit and may ask you to return all credit access devices as a condition of your rejection. We may replace your Card with another Card at any time.

The Law That Applies to Your Agreement
The issuer of your Card is Celtic Bank. In accepting your Card, You agree to the following provisions: (1) This Agreement (including the Account and services related to this Account) will be interpreted by the laws of the state of Utah. This means that the laws of the state of Utah will govern any dispute arising from or relating to this Agreement, including as to the Arbitration Agreement below. Federal law will also be used when it applies. (2) You waive any applicable statute of limitations as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Utah law or the law in the jurisdiction where you live. (3) Regarding venue, you agree to submit to the jurisdiction of the state of Utah and federal courts in and for Salt Lake City and Salt Lake County, Utah. This means that any dispute, action or proceeding relating to this Agreement will be brought in the Federal District Court of Utah or state court in the county of Salt Lake City. (4) See applicable Arbitration Agreement below. Accordingly, it is important that you read the provisions of this section, the Arbitration Agreement below, and the entire Agreement carefully. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect.

The Arbitration Agreement of this Agreement does not apply to you if you are a Covered Borrower protected by the Military
Lending Act nor do any provisions of the Agreement that waive any right to legal recourse under any state or federal law to the
extent required by the Military Lending Act.

Servicer
The Servicer services parts of your Card and Account, including, but not limited to, Account and/or Card management through
Servicer’s website or mobile application and customer service relating to any rewards offered in connection with your Card or
Account. In this capacity, Servicer may act on our behalf, perform our obligations or enforce our rights under this Agreement. You understand and acknowledge that we may share with Servicer any information you provide to us in connection with your Account or Card or any information we collect in connection with your Account or Card in order for Servicer to provide you with products and/or services in connection with your Account and/or Card.

Waiver
We can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future. We may waive our right without notifying you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future.

Assignment
This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not sell, assign or transfer your Account or this Agreement to someone else without our written permission. We may sell, assign or transfer your Account and this Agreement without your permission and without prior notice to you. Any assignee or assignees will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after we notify you that we have transferred your Account or this Agreement, we can return the payment to you, forward the payment to the assignee, or handle it in another way that is reasonable.

Disclaimer of Liability
We are not responsible if anyone refuses to accept or honor your Card or Account, even if you have sufficient available credit.
Except as required by applicable law, we will not be responsible for any claim or defense you may have against any third party
that arises out of or in connection with any transaction with your Card or Account or any services or goods or other property
purchased or leased using your Card or Account. We are not responsible for any losses you incur if we do not authorize a
transaction

Termination
Subject to applicable law, we may terminate this Agreement or revoke your right to use your Account or Card, along with your right to make future transactions, at any time and for any reason without notice to you. You may contact Servicer using the number on the back of your Card to close your Account. If we close or suspend your Account for any reason, you must stop using your Card. You must also cancel all billing arrangements set up on the Account. If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account. You must also return the Card to us or destroy it if we ask you to.‍

Arbitration Agreement
PLEASE   READ   THIS   SECTION   CAREFULLY   AS   IT   AFFECTS   YOUR   RIGHTS.  THIS   SECTION   SETS   FORTH   THE CIRCUMSTANCES AND PROCEDURES UNDER WHICH CLAIMS (AS DEFINED BELOW) SHALL BE ARBITRATED UPON
THE ELECTION OF EITHER PARTY INSTEAD OF LITIGATED IN COURT. YOU AGREE THAT, BY ENTERING INTO THIS
AGREEMENT, YOU AND WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS
ACTION. YOUR RIGHTS WILL BE DETERMINED BY A NEUTRAL ARBITRATOR, NOT A JUDGE OR JURY. THE FEDERAL
ARBITRATION ACT GOVERNS THE INTERPRETATION AND ENFORCEMENT OF THIS ARBITRATION AGREEMENT.
THIS ARBITRATION AGREEMENT APPLIES UNLESS, AS OF THE DATE OF THIS AGREEMENT, YOU ARE A COVERED
BORROWER PROTECTED BY THE FEDERAL MILITARY LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION
ABOUT WHETHER YOU ARE A COVERED BORROWER, PLEASE CONTACT SERVICER AT 1-866-953-0189.

(1) Definitions:
As used in this Arbitration Agreement, the term “Claim” means any claim, dispute or controversy between you and Bank, Servicer or any of their agents or retailers, arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Agreement or the Agreement. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card or Account; (ii) advertisements, promotions or oral or written statements related to the Card or Account or goods or services purchased with the Cards; (iii) the benefits and services related to the Card or Account; and (iv) your enrollment for any Card or Account. We shall not elect to use arbitration under the Arbitration Agreement for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court; any appeals from that court shall be pursued only in arbitration.

As used in this Arbitration Agreement, the terms “we” and “us” shall for all purposes mean the Bank and Servicer, and their
respective affiliates, licensees, predecessors, successors, and assigns, and all of their respective agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co- party with us (or files a Claim with or against us) in connection with a Claim asserted by you.

As solely used in this Arbitration Agreement, the terms “you” or “your” shall mean all persons or entities that have access to or use a Card or Account, including but not limited to all persons or entities contractually obligated under any of the Agreements.

(2) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Agreement and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration and Mediation Services (“JAMS”) or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.

(3) Agreement to Arbitrate: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR
WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO
ENGAGE   IN   DISCOVERY   EXCEPT   AS   PROVIDED   FOR   IN   THE   CODE   OF   PROCEDURES   OF   JAMS   OR   AAA,   AS
APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE
CAPACITY OR AS A MEMBER OR IN ANY OTHER CAPACITY OF ANY CLASS ACTION OR CLASS OF CLAIMANTS
PERTAINING   TO   ANY   CLAIM   SUBJECT   TO   ARBITRATION.   THE   ARBITRATOR   SHALL   NOT   CONDUCT   A   CLASS
ARBITRATION OR A JOINT ARBITRATION, EXCEPT AS SET FORTH BELOW. THE ARBITRATOR’S DECISION WILL BE
FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT
BE AVAILABLE IN ARBITRATION.

(4) Prohibition on Class Actions and Non-Individualized Relief: If either party elects to resolve a Claim by arbitration, that Claim
shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, a class, other cardholders or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards and grant relief is limited to you and us alone on an individual (non-class) basis only. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

(5) Location of Arbitration & Payment of Arbitration/Hearing Fees: Any arbitration hearing that you attend shall take place in the
federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees (which shall not include attorneys’ fees) for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount that otherwise would have been incurred  by you if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

(6) Arbitration Procedures: This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Agreement shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding.

(7) Confidentiality: All aspects of any arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly
confidential for the benefit of all parties.

(8) Survival: This Arbitration Agreement shall survive termination of your Card or Account as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Agreement is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Agreement, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.‍

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:
Perpay
2400 Market Street, Suite 300
Philadelphia, PA 19103

You may also contact us at 1-866-953-0189, Monday through Friday from 6:00 a.m. - 6:00 p.m. PT and Saturday from 7:00 a.m. -12:00 p.m. PT.

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 the 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 three (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 or by calling us.

You may still be required to pay the amount(s) in question if the Bank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible at 1-866-953-0189.

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 question or any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and
fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as
delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the 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 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. 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:
Perpay
2400 Market Street, Suite 300
Philadelphia, PA 19103

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 Notices

All Residents, including California and Utah Residents:  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.

You promise us that you are not planning to file bankruptcy at the time of your application for your Account.

California Residents: If you are married, you may apply for a separate account in your own name. After credit approval, each applicant shall have the right to use the credit card account up to the limit of the account.

Delaware Residents: Charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.
Iowa Residents: IMPORTANT: READ BEFORE SIGNING. The terms of this Agreement should be read carefully because only
those terms in writing are enforceable. No other terms or oral promises not contained in this written Agreement may be legally
enforced. You may change the terms of this Agreement only by another written agreement.

Kentucky Residents: You may pay the unpaid balance of your Account in whole or in part at any time.

Maryland Residents: Finance charges will be imposed on the Account in amounts or at rates not in excess of those permitted by law.‍

Massachusetts Residents: Massachusetts law prohibits discrimination on the basis of race, color, religious creed, national origin, sex, gender identity, marital status, or sexual orientation.‍

New Hampshire Residents: Not available to residents of New Hampshire. If you prevail in any action, suit or proceeding we bring or in an action you bring in connection with this Agreement, reasonable attorneys’ fees shall be awarded to you. If you successfully assert a pertinent defense, set off,
recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorneys’ fees as the court deems appropriate.

New Jersey Residents: (1) The section headings of this Agreement are a table of contents and not contract terms. (2) You agree to pay our reasonable attorney’s fees, up to 20% of outstanding principal and interest, paid in the collection of this Account to an attorney who is not our employee. (3) Provisions of this Agreement that refer to acts or practices that apply as permitted by, or except as prohibited by, applicable law are applicable to New Jersey residents only to the extent that such acts or practices are permitted by New Jersey or Federal law.

New   York   Residents:  New York residents may contact the New York State Department of Financial Services to obtain a
comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Services - (800) 342- 3736 or https://www.dfs.ny.gov/.

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 the law.

Married Wisconsin Residents: If you are married: (i) you confirm that this Account is being incurred in the interest of your marriage or family; (ii) no provision of any marital property agreement, unilateral agreement, or court decree under the Wisconsin Marital Property Act will adversely affect a creditor’s interest unless, before the time credit is granted, the creditor is furnished a copy of that agreement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred; (iii) you understand and agree that we will provide a copy of this Agreement to your spouse for his or her information. You must notify us if you have a spouse by sending your name and your spouse’s name and address to us at Perpay, 2400 Market Street, Suite 300 Philadelphia, PA 19103.

Missouri, Nebraska and Washington Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it.
New York, Rhode Island, and Vermont Residents: You understand and agree that we may obtain a consumer credit report in connection with any updates, renewals or extensions of any credit as a result of your application and card membership. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that we may obtain a consumer credit report in connection with the review or collection of any extension of credit made to you or for other legitimate purposes related to such extension of credit.

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