Card terms General Rules Governing Your Payment Card Acceptance of Binding Agreement

Using Your Payment Card

These terms take effect once you or an Additional Cardholder (as that term is defined in this

Agreement) use your Card. Even if you or an Additional Cardholder does not use the Card, these terms will take effect unless you contact us to cancel your Account within 30 days after we provide you with these terms.

Permitted Uses

You may use your Payment Card to purchase or lease goods or services (each, called a “Purchase”) by presenting your Card to participating merchants and establishments that honor the Card. You may also make Purchases without presenting your Card by providing your Card number or other information by any means (for example, over the phone, online or through a mobile application) to participating merchants and establishments that honor the Card (each called “Card-Not-Present-Purchases”). Conducting transactions over the phone, online or through a mobile application has the same legal effect as if you used the Card itself. For security reasons, the amount or number of Card-Not-Present Purchases you are permitted to make may be limited.

You must not use your Card:

• For any illegal purposes;
• Regardless of whether it is legal or illegal, for internet gambling;
• To pay us for any form of credit account you may have with us or any affiliate;
• To pay on a credit account you may have with any other institution;
• For cash advances and balance transfers;
• Financial services providers, including banks or bank affiliates, securities brokers, money transmitters, investment companies, or investment funds;
• Pornography, adult chat, or other sexually explicit services;
• Sale of Schedules II-V controlled substances with a pharmaceutical license, where such schedules are defined by the DEA; or
• For any purpose in any country or territory subject to economic sanctions administered and enforced by the
• U.S. Department of the Treasury’s Office of Foreign Assets Control or with any person or entity subject to such economic sanctions.

If you use your Card for a prohibited transaction or if you fail to otherwise comply with the terms of this Agreement, file bankruptcy, you die, or are legally declared incompetent or incapacitated, we may declare you to be in default under this Agreement and may block such prohibited transactions or revoke your right to use your Payment Card as discussed in the “Cancellation or Suspension of Your Payment Card” section of this Agreement. If we do, you are still liable to us for all charges, Purchases, and fees relating to such prohibited transactions and all other transactions on your Account.

Split Transactions

You can instruct a merchant to charge your Card for part of a Purchase and pay any remaining amount of the Purchase with cash or another card. This is called a “split transaction.” Some merchants do not permit split transactions. If you wish to conduct a split transaction, you must tell the merchant the exact amount you would like charged to your Card. If you fail to inform the merchant you would like to complete a split transaction and you do not have sufficient available funds in your Account to cover the entire purchase amount, your Card is likely to be declined.

Additional Cardholders

At your request, we may issue additional Cards to other persons you authorize to make

Purchases on your Account (“Additional Cardholders”). Additional Cardholders must be at least

18 years old (or older if you reside in a state where the age of majority is older). We may limit the number of Additional Cardholders on your Account.

Additional Cardholders do not have Accounts with us, but they can use their Cards to access your Account subject to the terms of this Agreement. You are responsible for all use of Cards by Additional Cardholders and anyone they allow to use their Card. You must pay for all charges they make.

You must tell Additional Cardholders that: (i) we may obtain, provide and use information about them; and (ii) their use of the Card is subject to this Agreement. You authorize us to give Additional Cardholders information about the Account and to discuss it with them.

If you want to cancel an Additional Cardholder’s right to use a Card (and thereby cancel their access to your Account) you must notify the platform.

Merchant Holds on Available Funds

When you or an Additional Cardholder uses the Card to initiate a transaction at certain merchant locations, websites, or mobile applications such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a hold may be placed on the available funds in the Account for an amount equal to or in excess of the final transaction amount. The funds subject to the hold will not be available to you or an Additional Cardholder for any other purpose until the merchant sends us the final transaction amount. Once we receive the final transaction amount, it may take up to seven days for the hold to be removed. During that period, you and an Additional Cardholder will not have access to the funds subject to the hold.

Declined Transactions

We may decline to authorize a Purchase for security or any other reason without limitation. This includes, for example, if we suspect the Purchase is fraudulent, is subject to U.S. economic sanctions or does not otherwise comply with this Agreement, or where we reasonably believe that you may be unable to fulfill your obligations under this Agreement, even if you have sufficient available funds to complete the Purchase. We may also decline to authorize a Purchase where the value of the Purchase exceeds your purchase limit. We are not liable to you for any losses you or any Additional Cardholder (or anyone else) incur if we do not authorize a charge. And we are not responsible if any merchant refuses to accept the Card.

Payment Limits

The payment limit on Cards is 100% of the available account balance in your Account at the time of the transaction. You must not exceed your payment limit. If you do, we may request immediate payment of the amount by which you exceed the payment limit.

It is important to know the amount of available funds in your Account at the Bank before performing a transaction with a Card. If there are not sufficient funds in your Account at the Bank to cover the transaction amount, the transaction may be declined.

Foreign Currency Transactions

If you make a transaction using your Card in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is (1) selected by the association from the range of rates available in wholesale currency markets, which rate may vary from the rate the association receives, or (2) the government mandated rate. The conversion rate you get may differ from the rate on the transaction date or the posting date, and from the rate that the card association gets. A merchant or other third party may convert the transaction into U.S. dollars or another currency, using a rate they select, before sending it to the credit card association.

Renewal or Replacement Cards

You authorize us to issue you and any Additional Cardholders a renewal Card or a replacement Card before the current Card expires. You and any Additional Cardholder must destroy any expired physical Cards by cutting them up. This Agreement, including as amended, continues to apply to any renewal or replacement Cards we issue.

Finance Charges

We do not charge any finance charges for the use of the Card or the Account.

Fees

We do not charge any fees for your use of the Card. See the “Card Disclosures.” Out of Network ATM owners may assess fees for usage.

Errors

If you think there is an error on your statement, contact us by email at [email protected]. In your communication, give us the following information:

Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Date: The date 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 we first sent the statement in which the error appeared. You must notify us of any potential error in writing or electronically. You may call us, but if you do, we may request verification of the details in writing within 10 business days.

Default

You are in default (subject to applicable law) if:

• You fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your Account payment limit or using your Card for a prohibited transaction;
• You die or are declared legally or mentally incompetent;
• You file bankruptcy or another insolvency proceeding is filed by you or against you;
• You become insolvent or unable to pay your debts;
• You provide us with any false or misleading information;
• We have any reason to believe you are unwilling or unable to pay your debts; or
• Where you pose an unacceptable regulatory or financial risk to us or third parties.

Our Remedies If You Default

If you are in default under this Agreement, we may, subject to applicable law (including any required notice of cure period), take one of more of the following actions:

1. Immediately require payment in full of any amounts owed to us, including amounts due as a result of overdrafts, unauthorized use, or other obligations uncured under this Agreement or your linked deposit account;
2. Work with you to establish a payment plan or hardship arrangement without waiving our rights to recover the full amount owed;
3. Suspend or terminate your Payment Card, your ability to conduct transactions, and/or close your Account.
4. Pursue collection efforts, including charging you for reasonable costs associated with collection, such as attorney’s fees, court costs, and other lawful expenses;
5. Report your default or nonpayment to credit reporting agencies, if applicable;
6. Take any of the legal or contractual remedies available to us.

Refunds; Returns; Merchant Disputes

Cardholder or an Additional Cardholder will not receive cash refunds for Card transactions. If a merchant gives Cardholder or an Additional Cardholder credit for merchandise returns or adjustments, the merchant may do so by processing a credit adjustment, which we will credit to the available funds in your Account. We are not responsible for the delivery, quality, safety, legality, or any other aspects of goods or services that you purchase with your Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were purchased.

Automatic Billing Updates

You may set up automatic billing or store your Card or Account information with a merchant or other third party (collectively called “Permitted Party”). If you do, you authorize us to share your Card or Account information with the Permitted Party. If your Card or Account information changes, you authorize us to provide this updated information to a Permitted Party at our discretion. You must contact the Permitted Party directly or remove your Card or Account information from the Permitted Party’s records (for example, a website) if you want to stop automatic billing or Account updates.

Credit Reporting Information

You agree that we may obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources including information to verify and re-verify your employment and income. And you agree that we will use such information for any purpose (for example, marketing to you or evaluating you for a new account), subject to applicable law. You agree that we may elect to give information about your use of the Payment Card to credit reporting agencies. We may tell a credit reporting agency if you fail to comply with any term of this Agreement. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. This information may have a negative impact on your credit report.

If we report information about your Account to the credit bureaus and you think any information about your Account that we reported is incorrect, please email [email protected] Include your name, address, Account number, phone number and a description of the specific information you believe is incorrect. If available, please include a copy of the credit report in question.

Cancellation or Suspension of Your Card

You may instruct us to close the Account or cancel a Card through your Increase Services or through the Platform website (where applicable). All applicable fees continue to accrue if outstanding balances exist on a canceled Card. We may cancel, suspend or not renew your Card if you are in default, or at any time for any reason at our discretion, even if you pay on time and are not in default, unless prohibited by law. We may take any of these actions without notice to you unless we are required to do so. If we end this Agreement, you will still be obligated to pay all amounts on your Account and you must pay all money you owe us immediately, including unbilled charges that may not be shown on your last monthly statement. We will only close your Account when you have paid off all amounts you owe us.

If your Card is canceled for any reason, all other Cards issued on your Account may be canceled at the same time. You will continue to be responsible for all Purchases or other charges made using your Account, including automatic billing charges until your Account is no longer used and any automatic billing charges are stopped.

Additional Limit on Liability

This additional limit on liability does not apply to ATM transactions, to transactions using your PIN which are not processed by Visa®, or to commercial cards. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Card Terms

How We Will Calculate Your Balance: Your balance will be the total of all unpaid Purchases on your Account. See your Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is included in your Agreement.

Lost or Stolen Card: If you believe any Card is lost or stolen, or there has been unauthorized use of any Card, notify the platform immediately.

Cancellation: If you want to cancel your Account, you may do so by emailing us at [email protected] or contacting the platform.