Common use of Authorized Users Clause in Contracts

Authorized Users. “Authorized User” refers to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.

Authorized Users. “Authorized User” refers to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who is a person to whom we issue have issued a Credit Card to on your Account at your request or someone you or another Authorized User allow to use the Accountrequest. You are liable for all transactions made can add or remove Authorized Users by an Authorized User. If you allow someone to use your Accountcontacting us, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, though we may permit you to restrict an limit the number of Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear Users on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from have the same ability to charge transactions to your Account upon requestas you do. We reserve However, they have no responsibility to us for any amounts owing for purchases, Cash Advances, fees and interest on the right to remove Account. If an Authorized User from is responsible to you for any of these amounts, you will need to make your own arrangements with that Authorized User for repayment. It is your responsibility to ensure that each Authorized User receives a copy of this Agreement and any replacements or amendments to this Agreement, as well as any notices that affect the use of a Credit Card or your Account. We may provide Authorized Users with access to information about their transactions on your Account, the credit limit of your Account and the amount of credit available to them on your Account. You may assign individual card limits (up to your current credit limit) to each Authorized User. The card limit is the maximum amount that can be charged to an Authorized User Card each month. This option is not available for all Credit Card types and is subject to additional terms we set out when you enroll. Obligations as an Authorized User By signing, using or activating a Credit Card in his or her name, an Authorized User agrees to be bound by all of the terms and conditions of this Agreement except that an Authorized User will not be responsible to us for the payment of any amounts owing in respect of purchases, Cash Advances, fees or interest on the Account. Without limiting the general obligation of an Authorized User to comply with this Agreement, an Authorized User agrees, among other things, that: ■ The Credit Card issued to him or her will not be used if it has expired; ■ The Credit Card issued to him or her is for his or her use exclusively and will not be used nor will his or her use be directed by any other person; ■ The Credit Card issued to him or her will not be used for any reason illegal, improper or for no reason at allunlawful purpose; ■ All security requirements including those designed to protect PINs or other security codes will be complied with; ■ The Authorized User will report to us if he or she suspects that his or her Credit Card has been lost or stolen. In addition, the Authorized User agrees to permit the collection, use and disclosure of personal information as set out in the “Protecting Your Privacy” section of the Agreement.

Authorized Users. “Authorized User” refers You may notify us of a request to add authorized user(s) and/or issue Cards to additional users. You cannot limit the amount of authority you give to any person who uses authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account with actual, impliednumber, or apparent authority. An Authorized User can be someone who we issue a Card PIN to at your request or someone you or another Authorized User allow anyone else to use the your Account. You are If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by an that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized Userusers may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. Lost/Stolen Cards or Unauthorized Use You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, even you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. Foreign Transactions A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if they the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. Closing Your Account You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in a manner that accordance with the terms of this Agreement. If your Account is closed, you did not intend or must destroy and/or return each Card to us upon request. Customer’s Legal Responsibilities Responsibility to Pay You agree toto pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or if they allow is used by someone else authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Intent to Repay Every time you use your Account, you will still be responsible for represent to us that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will you intend to and have the same authority as the Cardmember ability to access repay your Account informationobligations. At our discretion, we may permit We rely on this representation every time you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from use your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.

Authorized Users. “You may designate Authorized User” refers to any person who uses Users of the Account with actual, implied, or apparent authority. An and may request Cards for those Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that useUsers. You may request that set a Card be issued maximum amount of credit (in an Authorized User’s name. If we accept such amount less than the Credit Limit) as a request, that Authorized User will have spending limit assigned to the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, ; provided that the maximum amount of credit you certify that: (i) the set for each Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Accountnot, including credit limit, credit usage and late payments, to consumer reporting agencies in the aggregate, exceed the Credit Limit. In addition, the aggregate outstanding balance for the Account may not exceed the Credit Limit, without regard to any maximum amount of credit established for each Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for the use of the Account by any transaction made by Authorized User. You may request to have an Authorized User even if the transaction posts to removed from your Account after the date and we will use reasonable efforts to deactivate such user’s Card promptly upon your request. However, you request their removal. If are responsible for collecting and destroying any Cards that the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Accounthas in their possession. Authorized Users may remove themselves from your Account upon request. We reserve the right Your request to remove an Authorized User from will not relieve you of responsibility for the charges the authorized user has made on your Account. Authorized Users are permitted to use the card issued to them under the Account, make payments on the Account, report their Card as lost/stolen, confirm a fraudulent transaction on their Card, and initiate a dispute on the Account for any reason transactions posted on their Card. Additionally, each Authorized User may: obtain basic card Account information (including information such as spending limit available for their Card, Payment Due Date, etc.). Under no circumstances will an Authorized User be permitted to: discuss your credit information; close or for no reason at allreopen the Account; obtain assistance in registering/accessing our website; or request the following: name changes; Credit Limit changes; replacement Cards; the addition of Authorized Users; or removal of a cardholder (except that an Authorized User will be permitted to remove themselves as an Authorized User on the Account).

Authorized Users. “Authorized User” refers You may request us to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to any other person(s) to allow such person(s) to access your Account or may otherwise permit another person to have access to your Account (“Authorized User”). Authorized Users must be at your request or someone you or another least 18 years of age. There is a limit of 1 Authorized Users that can be added to an Account. We reserve the right to refuse to issue any additional Card. We may also require additional information about each Authorized User allow and may limit their use of the Card. Each Authorized User may have access to use the certain information about your Account. You are liable for all transactions made by an , and you authorize us to disclose information about your Account to each Authorized User. If you allow someone The Authorized User cannot request or make changes to the Account (e.g., request Credit Limit increases or change the billing address). You will be responsible for the Authorized User’s use of your Account, including activity made by anyone else the Authorized User permits to use your Account, even if they use your Account in a manner you have not authorized that you did not intend or agree to, or if they allow someone else person to use your Account, you will still be responsible for or that use. You may request that a Card be issued in an Authorized User’s nameperson exceeds the authority given to them. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove or an Authorized User who has been issued a Card from permits another person to have access to your Account, you are liable for all transactions made with the Card or Account, and all interest and fees incurred, by such person, even if they are not an Authorized User. For the avoidance of doubt, you must contact pay us for all charges made by Authorized Users and any other person permitted to use or access your Account, including charges for which you may not have intended to be responsible. If you want to revoke permission for an Authorized User to use your Account you must: (1) notify us of your request by calling us at (000) 000-0000; and (2) immediately recover and destroy any Card issued to or in the customer service phone number provided on your billing statement and ask possession of the Authorized User. If you do not, to the extent permitted by law, you will continue to be liable for any charges made, even if you have advised us to cancel the Card issued privileges, unless you tell us to that Authorized User and remove them from your Account. You must also destroy cancel all Cards and establish a new Account for you. Until we have received your notification of such a revocation (cancellation) made in their possession accordance with this section, and cancel any recurring transactions they we have set up using your Account. You had a reasonable time to act upon it, you are responsible for any transaction all Account activity made by an you or any Authorized User even if the transaction posts User, including any interest and fees applicable to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Accountsuch activity. Authorized Users may remove themselves from your Account upon requestby calling the toll-free number on the back of the Card. We reserve the right to remove If an Authorized User is removed from the Account, we may close that Account, cancel all Cards, and set up a new Account with a different Account number and Card, and/or keep your Account for open, cancel any reason or for no reason at allCards associated with your Account, and issue you a new Card with a different Card number. You may not have access to your Account until you receive and activate your replacement Card.

Authorized Users. “Authorized User” refers to any person who uses the Account with actualIf we permit authorized users on your Account, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your you may request or someone you or another Authorized User allow to use the Accountadditional Cards for authorized users. You are liable responsible for all transactions charges (including related interest and fees) made by an Authorized Userthe authorized user. If you allow someone want to end an authorized user’s privilege to use your Account, even if before we can process the request, you must: • Recover and destroy that person’s Card. If you do not recover and destroy the Card, you will continue to be liable for any charges made after you advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you. • You must notify us of your request by contacting us at the phone number or address shown on your statement. In general, an authorized user is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you or by any other authorized user. Each authorized user’s privilege ends automatically upon the death of all account holders. If any person uses the Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any other charges they use authorize. You agree to notify each authorized user that they are subject to all applicable sections of this Agreement. CONTACTING YOU. By providing us with any phone number, you are expressly consenting permission to contact you at that number about all of your Xxxxx Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. In order for us to service your Account in a manner or to collect any amounts you may owe, you agree that we may contact you did not intend or agree to, or if they allow someone else using any contact information related to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: including any number (i) the Authorized User gave you permission have provided to provide us information about them; and us, (ii) from which you have informed the Authorized User that called us, or (iii) which we obtained and reasonably believe we can reach you. We may report information about the Accountuse any means to contact you. This may include contact from companies working on our behalf to service your accounts. This may include automated dialing devices, including credit limitprerecorded/artificial voice messages, credit usage mail, e-mail, text messages and late paymentscalls to your mobile, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Accountwireless or similar device or Voice over Internet Protocol (VolP) service, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel or any recurring transactions they have set up using your Accountother data or voice transmission technology. You are responsible for any transaction made by an Authorized User even service provider charges as a result of us contacting you. You agree to promptly notify us if the transaction posts you change any contact information you provide to us. This includes your name, mailing address, e-mail address(es), or phone number(s). If you have a joint account, a notice to one of you will serve as a notice to both of you. PHONE MONITORING. We may monitor and record your phone calls with us. LOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to contact us immediately if your Card is lost or stolen or if you believe your Account after the date you request their removalis being used without your permission. If the Authorized User is using your Card or the information associated with your Card, you must You may contact us at 0-000-000-0000 or P.O. Box 10347, Des Moines, IA 50306. You agree to assist us in our investigation of the customer service phone number and ask us to reissue matter. If you do this, you will not be held liable for the unauthorized use of your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.

Authorized Users. You may be permitted to designate one of more authorized users on your Account (each an “Authorized User” refers to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account”). You are liable for all transactions made hereby understand and acknowledge that by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for designating an Authorized User, such Authorized User will be permitted to enter into Cryptocurrency Transactions through the Account on your behalf. At our sole discretion we may require Authorized Users to provide their Personal Information, as described in Section 4.1, which may be subject to the verification procedures outlined in Section 4.2. You acknowledge that the terms and conditions of this User Agreement will apply to you certify that: and each Authorized User on your Account, and you expressly accept such terms and conditions on behalf of yourself and each such Authorized User. You further hereby agree to and accept full responsibility for any Authorized User’s use the Services, including (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction Cryptocurrency Transactions made by an Authorized User even if the transaction posts to on your Account, including any Cryptocurrency Transactions made by an Authorized User on your Account after during the date you intervening time between your request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an the Authorized User from your Account for and our written confirmation of such removal; (ii) any reason Cryptocurrency Transaction made by others if an Authorized User allows them to use your Account; (iii) fees and charges resulting from any Cryptocurrency Transaction made by an Authorized User or for no reason at allothers if an Authorized User allows them to use your Account; and (iv) any other financial charges and legal liability that an Authorized User may incur in connection with their use of your Account. You agree to allow us to discuss your Account with an Authorized User, which includes giving them access to your Transaction History (defined below) and Account information. You also agree that an Authorized User may use and receive information about the Account the same way you do.

Authorized Users. “Authorized User” refers You may request us to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at any other person(s) to allow such person(s) to access your request Account or someone you or may otherwise permit another person to have access to your Account (“Authorized User”). We reserve the right to refuse to issue any additional Card. We may also require additional information about each Authorized User allow and may limit their use of the Card. Each Authorized User will have access to use the certain information about your Account. You are liable for all transactions made by an , and you authorize us to disclose information about your Account to each Authorized User. If you allow someone You will be responsible for the Authorized User’s use of your Account, including activity made by anyone else the Authorized User permits to use your Account, even if they use your Account in a manner you have not authorized that you did not intend or agree to, or if they allow someone else person to use your Account, you will still be responsible for or that use. You may request that a Card be issued in an Authorized User’s nameperson exceeds the authority given to them. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove or an Authorized User who has been issued a Card from permits another person to have access to your Account, you are liable for all transactions made with the Card or Account, and all interest and fees incurred, by such person, even if they are not an Authorized User. For the avoidance of doubt, you must contact pay us for all charges made by Authorized Users and any other person permitted to use or access your Account, including charges for which you may not have intended to be responsible. If you want to revoke permission for an Authorized User to use your Account you must: (1) notify us of your request by calling us at (000) 000-0000; and (2) immediately recover and destroy any Card issued to or in the customer service phone number provided on your billing statement and ask possession of the Authorized User. If you do not, you will continue to be liable for any charges made, even if you have advised us to cancel the Card issued privileges, unless you tell us to that Authorized User and remove them from your Account. You must also destroy cancel all Cards and establish a new Account for you. Until we have received your notification of such a revocation (cancelation) made in their possession accordance with this section, and cancel any recurring transactions they we have set up using your Account. You had a reasonable time to act upon it, you are responsible for any transaction all Account activity made by an you or any Authorized User even if the transaction posts User, including any interest and fees applicable to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Accountsuch activity. Authorized Users may remove themselves from your Account upon requestby calling the toll-free number on the back of the Card. We reserve the right to remove If an Authorized User is removed from the Account, we may close that Account, cancel all Cards, and set up a new Account with a different Account number and Card, and/or keep your Account for open, cancel any reason or for no reason at allCards associated with your Account, and issue you a new Card with a different Card number. You may not have access to your Account until you receive and activate your replacement Card.

Authorized Users. “You may designate Authorized User” refers to any person who uses Users of the Account with actual, implied, or apparent authority. An and may request Cards for those Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that useUsers. You may request that set a Card be issued maximum amount of credit (in an Authorized User’s name. If we accept such amount less than the Credit Limit) as a request, that Authorized User will have spending limit assigned to the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User; provided that the maximum amount of credit you set for each Authorized User may not, in the aggregate, exceed the Credit Limit. In addition, the aggregate outstanding balance for the Account may not exceed the Credit Limit, without regard to any maximum amount of credit established for each Authorized User. Youare responsible for the use of the Account by any Authorized User. You may request to have an Authorized User removed from your Account and we will use reasonable efforts to deactivate such user’s Card promptly upon your request. However, you certify that: (i) are responsible for collecting and destroying any Cards that the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Accountpossession. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you Your request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from will not relieve you of responsibility for the charges the authorized user has made on your Account. Authorized Users are permitted to use the card issued to them under the Account, make payments on the Account, report their Card as lost/stolen, confirm a fraudulent transaction on their Card, and initiate a dispute on the Account for any reason transactions posted on their Card. Additionally, each Authorized User may: obtain basic card Account information (including information such as spending limit available for their Card, Payment Due Date, etc.). Under no circumstances will an Authorized User be permitted to: discuss your credit information; close or for no reason at allreopen the Account; obtain assistance in registering/accessing our website; or request the following: name changes; Credit Limit changes; replacement Cards; the addition of Authorized Users; or removal of a cardholder (except that an Authorized User will be permitted to remove themselves as an Authorized User on the Account).

Authorized Users. “Authorized User” refers The undersigned acknowledges and agrees to any person who uses the not allow access to your Card, Account with actual, impliednumber, or apparent authoritypersonal identification number to anyone else for purposes of using your Card, or accessing the account associated therewith. An Authorized User can be someone who we If the undersigned desires to grant another person or persons rights to use a Card associated with the undersigned Company’s account, the undersigned shall request approval of same from Issuer, which may issue a Card to at grant to another person to access the account associated with the undersigned Issuer. If you provide access to your request Card or someone Account information to another person in breach of this provision, the undersigned acknowledges and agrees that you will be solely liable for any charges made by such other person (unless and except as expressly required or permitted by applicable law). The Company may set a maximum amount of credit (in an amount less than the Company’s credit limit) as a spending limit assigned to the Card for a Cardholder; provided that the maximum amount of credit that the Company sets for each Cardholder may not, in the aggregate exceed the Company’s credit limit. The aggregate outstanding balance for the Account may not exceed the Company’s credit limit, without regard to any maximum amount of credit established for each Cardholder. The Company agrees to be responsible for all Account transactions made by any Cardholder. The Company further agrees to be responsible for all Account transactions made by any other person whom the Company has authorized to use a Card either by way of: (a) requesting Issuer to issue a Card to grant Account access to such other person; or by (b) lending your Card to, or allowing Account access by, another person; or by (c) any other way in which you are be deemed to have allowed another person to use your Account or which you are stopped from denying that you did so. Be cautious when allowing another person to become an Authorized User of your Account; once you allow authority to any Authorized User you cannot limit that authority unless the Account is closed to future transactions. The Company may request to have a Cardholder removed from an Account and the Bank will use reasonable efforts to deactivate each Cardholder’s Card promptly upon the Company’s request. However, the Company is responsible for collecting and destroying any Cards that the Cardholder has in their possession. The Company’s request to remove a Cardholder will not relieve the Company of responsibility for the charges the Cardholder made on the Account. Cardholders do not have individual accounts with Bank under the terms of this Agreement, but they may be granted access, with authorization approved by Company, to use the Company’s Account, subject to the terms of this Agreement. This Agreement does not alter or amend the terms of accounts Cardholders may have with the Bank. Company is responsible for all use of the Account by Cardholders and anyone they authorize to use or access the Account. You are liable Company must pay for all transactions charges on the account whether they were made by an Authorized Userthe Company or by a Cardholder authorized by the Company. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that useCompany must share this agreement with all Cardholders. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have Company must notify Cardholders of the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify thatfollowing: (i) the Authorized User gave you permission to provide us Bank may obtain, provide, and use information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.

Authorized Users. “Authorized User” refers to any person who uses the Account with actualIf we permit authorized users on your Account, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your you may request or someone you or another Authorized User allow to use the Accountadditional Cards for authorized users. You are liable responsible for all transactions charges (including related interest and fees) made by an Authorized Userthe authorized user. If you allow someone want to end an authorized user’s privilege to use your Account, even if before we can process the request, you must: • Recover and destroy that person’s Card. If you do not recover and destroy the Card, you will continue to be liable for any charges made after you advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you. • You must notify us of your request by contacting us at the phone number or address shown on your statement. In general, an authorized user is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you or by any other authorized user. Each authorized user’s privilege ends automatically upon the death of all account holders. If any person uses the Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any other charges they use authorize. You agree to notify each authorized user that they are subject to all applicable sections of this Agreement. CONTACTING YOU. By providing us with any phone number, you are expressly consenting permission to contact you at that number about all of your Xxxxx Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. In order for us to service your Account in a manner or to collect any amounts you may owe, you agree that we may contact you did not intend or agree to, or if they allow someone else using any contact information related to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: including any number (i) the Authorized User gave you permission have provided to provide us information about them; and us, (ii) from which you have informed the Authorized User that we may report information about the Accountcalled us, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.or

Authorized Users. You may be given the ability to designate individuals (“Authorized User” refers Users”) who you authorize to any person who uses the access your Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all and/or conduct transactions made by an Authorized User. If you allow someone to use through your Account, even if they use your Account in a manner and such designation right includes the responsibility to determine the scope of rights and capabilities that you did not intend or agree to, or if they allow someone else the individual will have with respect to use your Account, . When you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember consented to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for adding an Authorized User, you certify that: (i) the understand that any transaction authorization, instruction or any other action concerning your Account that your Authorized User gave engages in will be deemed authorized by you permission and valid and we are under no obligation to provide us information about them; and (ii) you have informed investigate the Authorized User that we may report information about the Accountauthorization, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Accountinstruction or activity. You must also destroy all Cards in their possession and cancel agree that you will not hold us liable for acting upon any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card such authorization, instruction or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon requestactivity. We reserve the right to remove an terminate your Authorized User from your User’s access to the Account for any reason and without advance notice. We will continue to treat all actions taken by your Authorized User as authorized by you until you revoke the Authorized User’s access to your Account by notifying us by email at address listed above or through the Online Banking Services, as available. Until we have been properly notified in writing of any change in such authorization and we have had a reasonable period of time to act upon such notice, we may pay, apply, or otherwise honor and charge your Account, without inquiry, without limit as to amount, and without regard to the application of the proceeds thereof all orders for no reason at allpayment or transfer of money for whatever purpose. You must notify us immediately by email of any change in the status of any Authorized User. We may ask you to give us additional documentation. No action taken by us before we receive proper notification in writing of any such change and have had a reasonable period of time to act upon such notice will be affected by any such notice.

Authorized Users. “Authorized User” refers You may notify us of a request to add authorized user(s) and/or issue Cards to additional users. You cannot limit the amount of authority you give to any person who uses authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account with actual, impliednumber, or apparent authority. An Authorized User can be someone who we issue a Card PIN to at your request or someone you or another Authorized User allow anyone else to use the your Account. You are If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by an that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized Userusers may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. L ost/Stolen Cards or Unauthorized Use You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, even you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. F oreign Transactions A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if they the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. C losing Your Account You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in a manner that accordance with the terms of this Agreement. If your Account is closed, you did not intend or must destroy and/or return each Card to us upon request. Customer’s Legal Responsibilities R esponsibility to Pay You agree toto pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or if they allow is used by someone else authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Intent to Repay Every time you use your Account, you will still be responsible for represent to us that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will you intend to and have the same authority as the Cardmember ability to access repay your Account informationobligations. At our discretion, we may permit We rely on this representation every time you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from use your Account. D efault/Events of Default You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.will be in Default if:

Authorized Users. “Authorized User” refers to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at Upon your request or someone you or another Authorized User allow to use the Account. You are liable for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we DCU may permit you to restrict add Authorized Users to your Visa Account, subject to DCU’s approval and a maximum number of Authorized Users set by DCU. Requests to add an Authorized User’s access User must be in writing, and we may require certain information, documentation, and identification prior to Account informationadding an Authorized User to your Visa Account. We may limit the ability of Authorized User(s) to use your Card. By requesting a Card for adding an Authorized User, you certify that: (i) authorize the Authorized User gave person to use your Visa Account to the same extent you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Accountcan, including credit limitbut not limited to making any Purchases, credit usage Balance Transfers, Cash Advances, and late payments, allowing others to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from use your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Visa Account. You are responsible for any transaction made use of your Visa Account by an Authorized User even if the transaction posts or anyone else that you or an Authorized User permit to use your Account after the date you request their removalVisa Account, including, but not limited to, all amounts charged, interest charges, and fees. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right want to remove an Authorized User from your Visa Account, you must notify us and request their removal in writing. You also are responsible for physically retrieving any Card, Access Check, or other means of accessing your Visa Account for any reason from an Authorized User being terminated, and the Authorized User’s authority to use your Visa Account will continue until you physically retrieve the Authorized User’s Card, Access Check, or for no reason at allother means of accessing your Visa Account. To remove an Authorized User from your Visa Account, we may close your existing Visa Account and issue a new Card with a new Visa Account number. Additionally, an Authorized User may have access to your Visa Account information, including payment and transaction history. DCU may report information on Authorized Users to credit bureaus, as set forth in this Agreement.

Authorized Users. You have the ability to act as your own System Administrator and assign to each Authorized Representative anaccess ID (“ID”) andapassword which will beused to identify the Authorized Representative when he or she accesses the Online Banking System or you may choose to have the Bank assign access IDs. You understand that as a System Administrator you may designate the activity level – Inquiry or Financial – for each linked account. You may also designate another User as an Administrator, which means that the other user will also be able to designate additional Users. You agree that by granting Financial access you will be allowing a user to transfer funds, perform account maintenance and view account transaction for the linked account. Inquiry access allows a user to view account transactions. If you elect to enable WebPay Bill Payment service for a user, they will automatically have Financial level access to all accounts that you have set up for WebPay Bill Payment and they will be able to pay bills using the WebPay feature. If you are a person authorized on the signature card for each linked account to designate signers for each account, the business has the obligation to inform the Bank of the new individual or individuals with such authority. Such noticemustbegiven separately from anyother notices given to other Bank departments or banking offices by calling us at 813-998- 1950. You may also write us at: The Bank of Tampa Online Banking Department Post Office Box One Tampa, FL 33601-0001 THE BANK WILL HAVE NO LIABILITY TO YOUR FOR ANY UNATHORIZED PAYMENT OR TRANSFER MADE USING PASSWORDS THAT YOU ASSIGN THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNATHORIZED USE AND BEFORE WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. Intheeventyou choose tohavethe Banksetupyour Authorized Users asnamed in a separate notice to the Bank, you represent and warrant to the Bank that the persons named by you as an “Authorized UserRepresentative” are authorized by you to access the Online Banking System. You may add or delete any Authorized Representative by providing written notice thereof to the Bank. Such notice shall be effective no later than the fifth (5th) business day following the day of the Bank's receipt thereof. As used in this Agreement, the term "business day" refers to any person who uses calendar day, other than Saturday, on which the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable Bank is open for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at allbusiness.

Authorized Users. “Authorized Users" are persons with authority to act on your behalf. You may allow Authorized Users by: (1) requesting that you want a person added to your account as an Authorized User” refers , subject to our approval; (2) lending or otherwise intentionally making your Loan Card accessible to another person; or (3) any person who uses the Account with actual, implied, or apparent authority. An Authorized User can other ways in which you would be someone who we issue a Card legally considered to at your request or someone you or have allowed another Authorized User allow to use your Loan Card or to be legally prevented from denying that you did so. If you request to add and we approve an Authorized User, we reserve the Accountright to limit the number of Authorized Users associated with your Loan Card and we also reserve the right to limit an Authorized User’s ability to use and access your Loan Card. You are liable for all transactions made by We may require you to submit certain information about each person you request to make an Authorized User. If you allow someone You must have permission from each Authorized User to use give us, through Synapse or Platform, the requested information. Authorized Users may have access to certain information about your Account, even if they use Loan Card and associated credit line and will be able to make transactions with your Account Loan Card. Unless a restriction that we have acknowledged in a manner that you did not intend or agree to, or if they allow someone else to use writing is specifically stated in your Account, you will still be responsible for that use. You may request that a Card be issued in authorizing resolution: (i) an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about themappoint other authorized users; and (ii) you have informed the each Authorized User that may do so acting alone, unless we may report information about require otherwise. We may, but are not obligated to, accept oral instructions from an Authorized User. As between you and us, all actions of an Authorized User shall be deemed within the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the scope of such person’s authority. You will be responsible for an Authorized User’s name use of your Loan Card and that use of your Loan Card by anyone else they allow to use the Loan Card, including transactions or incurred fees or interest charges, whether or not you intended to be liable for such information may appear on their credit report and impact their credit scoretransactions, fees, or interest charges. To remove an Authorized User who has been issued a Card from your Account, you must contact us at We are not required to verify or confirm the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel purpose or propriety of any recurring transactions they have set up using your Account. You are responsible for any transaction made action by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card and are not responsible for any misapplication or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove misappropriation of funds by an Authorized User from your Account for any reason or for no reason at allUser.

Authorized Users. “You may designate Authorized User” refers to any person who uses Users of the Account with actual, implied, or apparent authority. An and may request Cards for those Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that useUsers. You may request that set a Card be issued maximum amount of credit (in an Authorized User’s name. If we accept such amount less than the Credit Limit) as a request, that Authorized User will have spending limit assigned to the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, ; provided that the maximum amount of credit you certify that: (i) the set for each Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Accountnot, including credit limit, credit usage and late payments, to consumer reporting agencies in the aggregate, exceed the Credit Limit. In addition, the aggregate outstanding balance for the Account may not exceed the Credit Limit, without regard to any maximum amount of credit established for each Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for the use of the Account by any transaction made by Authorized User. You may request to have an Authorized User even if the transaction posts to removed from your Account after the date and we will use reasonable efforts to deactivate such user’s Card promptly upon your request. However, you request their removal. If are responsible for collecting and destroying any Cards that the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Accounthas in their possession. Authorized Users may remove themselves from your Account upon request. We reserve the right Your request to remove an Authorized User from will not relieve you of responsibility for the charges the authorized user has made on your Account. Authorized Users are permitted to use the card issued to them under the Account, make payments on the Account, report their Card as lost/stolen, confirm a fraudulent transaction on their Card, and initiate a dispute on the Account for transactions posted on their Card. Additionally, each Authorized User may: obtain basic card Account information (including information such as spending limit available for their Card, Payment Due Date, etc.). Under no circumstances will an Authorized User be permitted to: discuss your credit information; close or reopen the Account; obtain assistance in registering/accessing our website; or request the following: name changes; Credit Limit changes; replacement Cards; the addition of Authorized Users; or removal of a cardholder (except that an Authorized User will be permitted to remove themselves as an Authorized User on the Account). MAKING PAYMENTS Monthly Statements; Annual Summary Statement: We will send you an Account statement for each Billing Cycle at the end of which your Account for has a debit or credit balance of $1 or more, or on which a finance charge has been imposed, or as otherwise required by applicable law. You agree to pay us, or any reason or for no reason party to whom we may transfer and assign your Account, in U.S. dollars according to all terms and conditions of this Agreement. In addition to a monthly statement, you may be able to request an optional annual summary statement of your Account, which will be provided at allthe fees specified in this Agreement.

Authorized Users. You have the ability to act as your own System Administrator and assign to each Authorized Representative an access ID (“ID”) and a password which will be used to identify the Authorized Representative when he or she accesses the Online Banking System or you may choose to have the Bank assign access IDs. You understand that as a System Administrator you may designate the activity level – Inquiry or Financial – for each linked account. You may also designate another User as an Administrator, which means that the other user will also be able to designate additional Users. You agree that by granting Financial access you will be allowing a user to transfer funds, perform account maintenance and view account transaction for the linked account. Inquiry access allows a user to view account transactions. If you elect to enable WebPay Bill Payment service for a user, they will automatically have Financial level access to all accounts that you have set up for WebPay Bill Payment and they will be able to pay bills using the WebPay feature. If you are a person authorized on the signature card for each linked account to designate signers for each account, the business has the obligation to inform the Bank of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank departments or banking offices by calling us at 813-998- 1950. You may also write us at: The Bank of Tampa Online Banking Department Post Office Box One Tampa, FL 33601-0001 THE BANK WILL HAVE NO LIABILITY TO YOUR FOR ANY UNATHORIZED PAYMENT OR TRANSFER MADE USING PASSWORDS THAT YOU ASSIGN THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNATHORIZED USE AND BEFORE WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. In the event you choose to have the Bank set up your Authorized Users as named in a separate notice to the Bank, you represent and warrant to the Bank that the persons named by you as an “Authorized UserRepresentative” are authorized by you to access the Online Banking System. You may add or delete any Authorized Representative by providing written notice thereof to the Bank. Such notice shall be effective no later than the fifth (5th) business day following the day of the Bank's receipt thereof. As used in this Agreement, the term "business day" refers to any person who uses calendar day, other than Saturday, on which the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable Bank is open for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at allbusiness.

Authorized Users. You have the ability to act as your own System Administrator and assign to each Authorized Representative anaccess ID (“ID”) andapassword which will beused to identify the Authorized Representative when he or she accesses the Online Banking System or you may choose to have the Bank assign access IDs. You understand that as a System Administrator you may designate the activity level – Inquiry or Financial – for each linked account. You may also designate another User as an Administrator, which means that the other user will also be able to designate additional Users. You agree that by granting Financial access you will be allowing a user to transfer funds, perform account maintenance and view account transaction for the linked account. Inquiry access allows a user to view account transactions. If you elect to enable WebPay Bill Payment service for a user, they will automatically have Financial level access to all accounts that you have set up for WebPay Bill Payment and they will be able to pay bills using the WebPay feature. If you are a person authorized on the signature card for each linked account to designate signers for each account, the business has the obligation to inform the Bank of the new individual or individuals with such authority. Such notice mustbegiven separately from anyother notices given to other Bank departments or banking offices by calling us at 813-998- 1950. You may also write us at: The Bank of Tampa Online Banking Department Post Office Box One Tampa, FL 33601-0001 THE BANK WILL HAVE NO LIABILITY TO YOUR FOR ANY UNATHORIZED PAYMENT OR TRANSFER MADE USING PASSWORDS THAT YOU ASSIGN THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNATHORIZED USE AND BEFORE WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. In the eventyou choose tohave the Banksetupyour Authorized Users asnamed in a separate notice to the Bank, you represent and warrant to the Bank that the persons named by you as an “Authorized UserRepresentative” are authorized by you to access the Online Banking System. You may add or delete any Authorized Representative by providing written notice thereof to the Bank. Such notice shall be effective no later than the fifth (5th) business day following the day of the Bank's receipt thereof. As used in this Agreement, the term "business day" refers to any person who uses calendar day, other than Saturday, on which the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable Bank is open for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at allbusiness.

Authorized Users. You have the ability to act as your own System Administrator and assign to each Authorized Representative an access ID (“ID”) and a password which will be used to identify the Authorized Representative when he or she accesses the Online Banking System or you may choose to have the Bank assign access IDs. You understand that as a System Administrator you may designate the activity level – Inquiry or Financial – for each linked account. You may also designate another User as an Administrator, which means that the other user will also be able to designate additional Users. You agree that by granting Financial access you will be allowing a user to transfer funds, perform account maintenance and view account transaction for the linked account. Inquiry access allows a user to view account transactions. If you elect to enable WebPay Bill Payment service for a user, they will automatically have Financial level access to all accounts that you have set up for WebPay Bill Payment and they will be able to pay bills using the WebPay feature. If you are a person authorized on the signature card for each linked account to designate signers for each account, the business has the obligation to inform the Bank of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank departments or banking offices by calling us at 813‐998‐ 1950. You may also write us at: The Bank of Tampa Online Banking Department Post Office Box One Tampa, FL 33601‐0001 THE BANK WILL HAVE NO LIABILITY TO YOU FOR ANY UNAUTHORIZED PAYMENT OR TRANSFER MADE USING PASSWORDS THAT YOU ASSIGN THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND BEFORE WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. In the event you choose to have the Bank set up your Authorized Users as named in a separate notice to the Bank, you represent and warrant to the Bank that the persons named by you as an “Authorized UserRepresentative” are authorized by you to access the Online Banking System. You may add or delete any Authorized Representative by providing written notice thereof to the Bank. Such notice shall be effective no later than the fifth (5th) business day following the day of the Bank's receipt thereof. As used in this Agreement, the term "business day" refers to any person who uses calendar day, other than Saturday, on which the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable Bank is open for all transactions made by an Authorized User. If you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at allbusiness.

Authorized Users. “Authorized User” refers to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all transactions made by an Authorized User. If you allow someone to let anyone use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that useperson is an authorized user. You may request that another card for each authorized user. If you do, this Account may appear on the authorized user's credit report. You are responsible for all use of your Account including charges by authorized users. You must tell us if you want to stop an authorized user from using your Account. If you do, we may close the Account and issue a Card be issued new card(s) with a different Account number. It is your responsibility to get any cards, checks or any other means of access to your Account from the authorized user and destroy them or return them to us upon request. Billing Cycles/Statements: Your Account will have time periods called "billing cycles" or "billing periods." Each billing cycle is about one month in an Authorized User’s namelength. We will provide a billing statement each month one is required by applicable law. Credit Line: We also call this a credit limit. We will assign a credit line to your Account. Your statement will show the amount of your credit line as of the date of the statement. If your Account goes overlimit, you must repay the overlimit amount when it is billed on your monthly billing statement, or sooner if we ask you to. We may, but are not obliged to, allow your Account to go over its credit line. We may change or cancel your credit line without telling you ahead of time. If we accept do, it will not excuse you from your obligations to pay us. We may restrict the extent to which your credit line can be used for different types of transactions (for example, purchases, balance transfers and/or cash advances) such a requestas by limiting the dollar amount or number of or time period available for any such transactions, that Authorized User will have the same authority as the Cardmember and we may completely prohibit use of your credit line for particular types of transactions. Lost or Stolen Cards, Checks or Account Numbers: If you lose or someone steals your card or any other means to access your Account, or if you think someone has used your Account informationwithout your permission, you must tell us immediately. At Call the Bankcard Service telephone number on your card or billing statement. Do not use your Account after you notify us. We may end your credit privileges and close your Account if we consider it appropriate. You agree to provide us information to help us find out what happened. TYPES OF TRANSACTIONS AND AUTHORIZATIONS Purchases: You may use your card to pay for goods or services. Balance Transfers: In our discretion, we may permit allow you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized Usertransfer balances from other accounts or loans from other credit card companies, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that other lenders or other balance transfers we may report information about the Accountallow, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit scoreusing balance transfer checks we provide. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your AccountThose uses are "balance transfers". You are responsible not authorized to transfer balances to this Account from other accounts or loans with us or any of our related companies. If you request a balance transfer but do not have enough available credit, we may transfer only a part of the requested amount. Cash Advances: You may use your card to get cash from automatic teller machines or from banks that accept the card, or by using cash advance checks we may provide. Also, we will treat as cash advances any balance transfer checks made payable to cash, you or other payees we disclose to you. All the following uses of your Account will be treated as “cash advances": purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions; purchasing lottery tickets, casino gaming chips, race track xxxxxx or similar betting transactions; and making a payment using a third party service. Types of Checks/Refusal to Pay Checks: Each balance transfer check or cash advance check you write is your request for funds. We may also call them a check or an access check. The check must be signed by the person whose name is printed on it. When we receive an access check for payment, we may review your Account to decide whether to pay that check. We have the right not to pay a check for any transaction made by an Authorized User even if reason, including but not limited to the transaction posts to your Account following examples: • We or one of our related companies is the payee on the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date you request their removalspecified on it. • You are in default (including exceeding your credit line) or would be if we paid the check. Promotional Offers: From time to time, we may offer special rates (such as lower interest rates or fee waivers) through Balance Transfer or other promotional programs. If you take advantage of one of these promotional programs, the Authorized User is using your Card resulting balance will be subject to the terms made in that specific promotional offer. Promotional offers may be treated as either Balance Transfer or Cash Advance transactions. Each offer will provide details about the information associated with your Cardterms of the promotion, including the ANNUAL PERCENTAGE RATE, any transaction fees, the effective dates, and any grace period. Convenience Checks, Balance Transfer checks, and other promotional programs may not be used to pay all or any portion of any outstanding balance or other obligation you must contact owe us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon requestor our affiliates. We reserve the right to remove an Authorized User from decline any Balance Transfer transactions on your Account. If applicable, we may end your promotional APR and apply the non-promotional APR to new Purchases and Balance Transfers if a late payment is made during the promotion period. Refusal to Authorize Transactions: We may decline any transaction on your Account for any of the following reasons: • operational matters, • your Account is in default (including exceeding your credit line), • suspected fraudulent or unlawful activity, or • any other reason we choose. We are not responsible for any losses if a transaction on your Account is declined for any reason, either by us or for no reason at alla third party.

Authorized Users. “You are permitted to authorize others to use your account. If you ask us to issue a card to another person(s), they are an Authorized User” refers . You may add up to any person who uses 3 Authorized Users to your account at no extra charge. We may require certain information about them and they may be reported to the Account with actual, implied, or apparent authoritycredit bureau as an Authorized User. An Each Authorized User can be someone who we issue will receive a Card to at your request credit card with his or someone you or another Authorized User allow her individual name embossed. We may limit their ability to use your Card. They may have access to certain information about your Account and may have the Accountability to access and make changes to your online account. You are liable agree to be responsible for all Account transactions made by an Authorized User, or anyone you or they have granted access to your Card or Account information, unless and except as expressly required by applicable law. You are liable when you: (a) ask us to issue a Card to grant Account access to an Authorized User; (b) lend your Card to or allow Account access by another person; or (c) any other way in which you would be legally considered to have allowed another person to use your Account or to be legally prevented from denying that you did so. Be 66063i002 cautious when allowing another person to become an Authorized User or have access to your Card or Account. If you allow someone want to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on Customer Service and request their removal. We may request written verification from you regarding any change or cancellation to your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Accountaccount. You must also immediately destroy all Cards in their possession and cancel any recurring transactions arrangements they may have set up using on your Account. They will be able to use your Account until you have notified us that you are removing them from your account. During this time, you will still be responsible for all amounts they charge to your Account. You are will be responsible for any transaction made by an Authorized User even if the transaction posts to these amounts do not appear on your Account after the date you request their removal. If the Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Accountuntil later. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User them from your Account for any reason reason. To remove them from your Account, we may close your existing Account and issue a new Card with a new Account number. Agreement to Pay. When you use your Card or for no reason Card Account, or when you permit anyone to use it, you agree to pay the amount of any and all transactions (including any which may have been made in violation of this Agreement), and the INTEREST CHARGES, and fees that may become due as shown on the periodic statement. You agree that we may change or cancel your Card Account at allany time without affecting your obligation to pay the amounts that you owe under this Agreement. We will notify you if we change or cancel your Card Account.

Authorized Users. “Authorized User” refers to any person who uses the Account with actual, implied, or apparent authority. An Authorized User can be someone who we is a person to whom PTC will issue a Credit Card to on your Account at your request request. You can add or someone remove Authorized Users by contacting Keep via email at xxxxxxx@xxxxxxx.xxx, although Keep or PTC may limit the number of Authorized Users on your Account. A Credit Card may only be used by the individual whose name is associated with or attached to the Card or appears personalized on physical cards. Authorized Users have the same ability to charge transactions to your Account as you or another do; however, Authorized User allow Users are not responsible to use PTC for any amounts owing for purchases, fees, and interest on the Account. You are liable for all transactions made by If an Authorized User. If User is responsible to you allow someone to use your Account, even if they use your Account in a manner that you did not intend or agree to, or if they allow someone else to use your Accountfor any of these amounts, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) must make your own arrangements with the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Accountfor repayment. You are responsible for ensuring that each Authorized User receives a copy of this Agreement and any transaction made by replacements or amendments to this Agreement, as well as any Notices that affect the use of a Credit Card or your Account. PTC may provide Authorized Users with access to information about their transactions on your Account, the Credit Limit of your Account, and the amount of credit available to them on your Account. You may assign individual Spend Limits to each Authorized User. The Spend Limit is the maximum amount that can be charged to a Card daily, weekly, biweekly, or monthly. By signing, using, or activating a Credit Card in their name, an Authorized User even if agrees to be bound by all of the transaction posts terms and conditions of this Agreement except that an Authorized User will not be responsible to your Account after PTC for the date you request their removalpayment of any amounts owing in respect of purchases, fees, or interest on the Account. If Without limiting the general obligation of an Authorized User to comply with this Agreement, an Authorized User agrees, that: ● the Authorized User is using your will not use the Credit Card or the information associated with your Card, you must contact us at the customer service phone number and ask us issued to reissue your Card with a new credit card number to prevent the Authorized User from using if it has expired; ● all security requirements including those designed to protect PINs or other security codes will be complied with; ● the Account. Authorized Users may remove themselves from your Account upon request. We reserve Credit Card issued to the right to remove an Authorized User from your Account will not be used for any reason illegal, improper, or for no reason at allunlawful purpose; ● the Authorized User will report to PTC if the Authorized User suspects that the Authorized User’s Credit Card has been lost or stolen; ● the Authorized User agrees to permit the collection, use, and disclosure of personal information as set out in the “Data and Privacy” and “Issuing Bank Privacy Policy” sections of this Agreement.

Authorized Users. You are responsible for all authorized transactions initiated and fees incurred by use of the Card. 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. You may request an additional Card (“Authorized User” refers to any Additional Card”) for your use or use by another person who uses is an authorized user. Each Additional Card is also considered a “Card” for purposes of this Agreement. Fees for Additional Cards vary according to the Account state in which you live and work. Please see our Fee Schedule for further information. Authorized user(s) must be over the age of 18 or, if less than 18 years of age, be acting with actual, implied, full knowledge and consent of his/her parent or apparent authoritylegal guardian. An Authorized User can be someone who we issue a Card You must notify us to at your request or someone revoke permission for any person(s) you or another Authorized User allow previously authorized to use the AccountCard(s). You are liable for all transactions made with the Card(s) or Card Number(s) by your authorized user(s). You are the Card owner and are responsible for all transactions and fees incurred by you or any authorized user(s). You are wholly responsible for the use of each Card according to the terms of this Agreement. Additional Card(s) may only be loaded by the Payor or (for Portable Cards) the Card owner. Funds cannot be loaded to Additional Cards from any other source. Daily purchase and cash access limits are applied on aggregate across all Cards. To cancel an Authorized UserAdditional Card, call the toll-free number on the back of your Card or customer service at 000-000-0000 and you must follow-up not later than ten (10) business days with the written notification to revoke (cancel) permission for any person you previously authorized to use your Card or an Additional Card. Until we have received your written notice of such a revocation (cancelation) and have had a reasonable time to act upon the written notification of cancelation, you are responsible for all transactions and fees incurred by you or any authorized user. If you allow someone tell us to revoke (cancel) another person’s use of your Account, even if they use your Account in a manner that you did not intend Card or agree to, or if they allow someone else to use your Account, you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember to access Account information. At our discretionAdditional Card, we may permit you to restrict an Authorized User’s access to Account information. By requesting revoke (cancel) your Card and the Bank will issue a new Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued with a different Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Accountand/or account number. You are wholly responsible for any transaction made by an Authorized User even if the transaction posts use of each Card according to your Account after the date you request their removal. If terms of this Agreement, subject to the Authorized User is using your Card or the information associated with your Cardsection titled Your Liability for Unauthorized Transactions below, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at allapplicable laws.

Authorized Users. Client shall designate one or more individuals who are permitted to use the Service on behalf of the Client (“Authorized User” refers ”). We may also require you to any person who uses the Account with actual, implied, or apparent authority. An designate one Authorized User can as the Primary Administrator who may act as an Authorized User with the power to make and sign all agreements and deliver all documents in connection with the Services on behalf of the Client, determine which features of the Service will be someone who we issue a Card available to at your request the Client and Authorized Users, impose limitations on the Client’s and Authorized User’s use of the Service, designate and remove other Authorized Users, define the roles and permissions of other Authorized Users, and delegate his or someone you or her authority to another Authorized User allow User. Unless you otherwise specify, we may deem the Client’s authorized representative who initially requested to use the AccountService or a feature thereof as a Primary Administrator. You are liable Except as otherwise agreed by the Bank or as set forth in the settings applicable to your use of the Account or Service, your Primary Administrator and the Authorized User(s), will have access to any Account designated for all transactions made by an Authorized User. If you allow someone to use your Accountwith the Services, even if the Account Agreement does not name such a person as an authorized signer or user of the Account. We do not control access by any of your Authorized User(s) or Primary Administrators to any Service except as expressly set forth in this Agreement. You agree to require your Primary Administrator and any Authorized User(s) to comply with all provisions of this Agreement and all other applicable agreements, and you guarantee that they use your Account in a manner will do so. You acknowledge and agree that you did not intend or agree to, or if they allow someone else to use your Account, you will still be are fully and solely responsible for that use. You may request that a Card be issued in an the failure of your Primary Administrator or any Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember User(s) to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for an Authorized User, you certify that: (i) the Authorized User gave you permission to provide us information about them; and (ii) you have informed the Authorized User that we may report information about the Account, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Account. You must also destroy all Cards in their possession and cancel any recurring transactions they have set up using your Accountso comply. You are responsible for any transaction made payment, transfer and other Services and charges initiated or incurred by your Primary Administrator and any Authorized User(s), whether or not actually authorized by the Client. The Bank reserves the right to require the Primary Administrator to be an authorized signer on the Account(s). Notwithstanding the foregoing, you understand that the Primary Administrator and each Authorized User even if may utilize the transaction posts Services without regard to your Account after the date you request their removal. If the any restrictions otherwise applicable to an Account, or whether such Authorized User is using your Card or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the an authorized signer on an Account. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove an Authorized User from your Account for any reason or for no reason at all.

Authorized Users. You may be given the ability to designate individuals (“Authorized User” refers Users”) who you authorize to any person who uses the access your Account with actual, implied, or apparent authority. An Authorized User can be someone who we issue a Card to at your request or someone you or another Authorized User allow to use the Account. You are liable for all and/or conduct transactions made by an Authorized User. If you allow someone to use through your Account, even if they use your Account in a manner and such designation right includes the responsibility to determine the scope of rights and capabilities that you did not intend or agree to, or if they allow someone else the individual will have with respect to use your Account, . When you will still be responsible for that use. You may request that a Card be issued in an Authorized User’s name. If we accept such a request, that Authorized User will have the same authority as the Cardmember consented to access Account information. At our discretion, we may permit you to restrict an Authorized User’s access to Account information. By requesting a Card for adding an Authorized User, you certify that: (i) the understand that any transaction authorization, instruction or any other action concerning your Account that your Authorized User gave engages in will be deemed authorized by you permission and valid and we are under no obligation to provide us information about them; and (ii) you have informed investigate the Authorized User that we may report information about the Accountauthorization, including credit limit, credit usage and late payments, to consumer reporting agencies in the Authorized User’s name and that such information may appear on their credit report and impact their credit score. To remove an Authorized User who has been issued a Card from your Account, you must contact us at the customer service phone number provided on your billing statement and ask us to cancel the Card issued to that Authorized User and remove them from your Accountinstruction or activity. You must also destroy all Cards in their possession and cancel agree that you will not hold us liable for acting upon any recurring transactions they have set up using your Account. You are responsible for any transaction made by an Authorized User even if the transaction posts to your Account after the date you request their removal. If the Authorized User is using your Card such authorization, instruction or the information associated with your Card, you must contact us at the customer service phone number and ask us to reissue your Card with a new credit card number to prevent the Authorized User from using the Account. Authorized Users may remove themselves from your Account upon requestactivity. We reserve the right to remove an terminate your Authorized User from your User’s access to the Account for any reason and without advance notice. We will continue to treat all actions taken by your Authorized User as authorized by you until you revoke the Authorized User’s access to your Account by notifying us by email at xxxxxxx@xxxxxxxxxx.xxx or through the Online Banking Services. For Joint Accounts, either accountholder may add an Authorized User to such Account and/or may revoke an Authorized User’s access even if the other accountholder added the Authorized User. Until we have been properly notified at least 21 days in writing of any change in such authorization and we have had a reasonable period of time to act upon such notice, we may pay, apply, or otherwise honor and charge your Account, without inquiry, without limit as to amount, and without regard to the application of the proceeds thereof all orders for no reason payment or transfer of money for whatever purpose. You must notify us immediately by email at allxxxxxxx@xxxxxxxxxx.xxx of any change in the status of any Authorized User. We may ask you to give us additional documentation. No action taken by us before we receive proper notification in writing of any such change and have had a reasonable period of time to act upon such notice will be affected by any such notice.