Common use of CREDIT LIMIT AND CASH ADVANCE LIMIT Clause in Contracts

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Cash Advance Limit are shown on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this This Credit Limit may be is available for Cash Advances, and there may be a is no separate limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit)period. The Credit Limit and Cash Advance Limit are is shown in the Summary of Account Activity section on each your periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Your Cash Advance Limit are shown is 50% of your available credit. Your Credit Limit will be reflected on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writinginwriting. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES BENEFITCHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other anyother reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Your Cash Advance Limit are shown is 50% of your available credit. Your Credit Limit will be reflected on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account Only a Program Administrator may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposesinwriting. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Your Cash Advance Limit are shown is 50% of your available credit. Your Credit Limit will be reflected on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writinginwriting. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Your Cash Advance Limit are shown is 50% of your available credit. Your Credit Limit will be reflected on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writinginwriting. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposesbusinesspurposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Your Cash Advance Limit are shown is 100% of your available credit. Your Credit Limit will initially be disclosed in the “Additional Disclosure – Federal Truth-in- Lending Act” and will be reflected on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account These coverages and descriptions supersede any coverages and descriptions you may have received earlier. Please read and retain for your records. may request a change to the Credit Limit orally, in writing, writing or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.or

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this This Credit Limit may be is available for Cash Advances, and there may be a is no separate limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit)period. The Credit Limit and Cash Advance Limit are is shown in the Summary of Account Activity section on each your periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. Cash Advances and Balance Transfers do not earn Extra Awards points. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC VISA NON-VARIABLE RATE AND CORRESPONDING ANNUAL PERCENTAGE RATEPROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a non-variable rate program, which means that your APR does not increase or decrease except as otherwise provided for in this Agreement. The Monthly Periodic Rate used in calculating the interest charge (and the corresponding APR) is listed above in the section entitled Pricing Information Table. INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full. We calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance (including new Transactions). The following explains how we do this. To get the Average Daily Balance: • We start with the beginning balance of your account each day. • We add any new Transactions, fees and other charges • We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of days in the Billing Period. This gives us the average daily balance GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. Generally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2) Billing Periods in a row. There is no grace period on Balance Transfers and Xxxx Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account. FEES The following fees will be added to your Account, as applicable: FEE AMOUNT ABOUT THE FEE Annual Cardholder Fee None Late Payment Fee Up to $20 You will be charged a Late Payment Fee of up to $20 if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $5 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $5. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Over the Credit Limit None Cash Advance Fee None Balance Transfer Fee None Foreign Transaction Fee 1% of each transaction in U.S. Dollars See section entitled “Foreign Transactions” below for additional details. FEES: CONTINUED Replacement Card Fee $10.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $1 per page If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $25 3-day $50 2-day We will charge you a Rush Card Fee to rush each requested replacement card. Returned Convenience Check Fee $22 We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. Convenience Check Stop Payment $10 We will charge you a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the billing cycle will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT FOR PREMIER REWARDS VISA: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount past due, any late charge and any amount over the Credit Limit. APPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the balances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and charges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers, and Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current Cash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances subject to the highest APR and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in full.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Cash Advance Limit are shown on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies applies, and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC VISA VARIABLE RATE AND CORRESPONDING ANNUAL PERCENTAGE RATEPROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a variable rate program, which means that your APR may increase or decrease each Billing Period while you maintain your Account with us. The APR that applies to your Account may vary with changes to the U.S. Prime Rate. The U.S. Prime Rate is the highest U.S. Prime Rate published in The Wall Street Journal (the “Index”). In the event that the U.S. Prime Rate ceases to be published, changes in your APR will be related to a comparable index and we will inform you on your periodic statement or through a separate notice. Your APR is subject to change each Billing Period based on an increase or decrease in the Index. We calculate your APR for Transactions by adding an amount, which we call the Margin, to the Index in effect on the 15th of each month as published in the Wall Street Journal. These dates are referred to by us as “Adjustment Dates.” You can find the initial Index, Margin, Daily Periodic Rate and corresponding APR we use for your Account listed above in the section entitled Pricing Information Table. Your APR will increase if the Index increases and decrease if the Index decreases. If your APR increases, then your interest charges and Minimum Payment Due may increase. If the Index changes, we will apply the new variable APR starting from the first day of the Billing Period when we take the Index from The Wall Street Journal. The new APR will apply to existing balances, as well as balances added to your Account after the change. There is no minimum APR that can apply during the term of this Agreement. The maximum APR that can apply during the term of this Agreement is 17.99%. There are no annual (or other) limitations on changes in the APR during the term of this Agreement.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Cash Advance Limit are shown on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC VISA VARIABLE RATE AND CORRESPONDING ANNUAL PERCENTAGE RATEPROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a variable rate program, which means that your APR may increase or decrease each Billing Period while you maintain your Account with us. The APR that applies to your Account may vary with changes to the U.S. Prime Rate. The U.S. Prime Rate is the highest U.S. Prime Rate published in The Wall Street Journal (the “Index”). In the event that the U.S. Prime Rate ceases to be published, changes in your APR will be related to a comparable index and we will inform you on your periodic statement or through a separate notice. Your APR is subject to change each Billing Period based on an increase or decrease in the Index. We calculate your APR for Transactions by adding an amount, which we call the Margin, to the Index in effect on the 15th of each month as published in the Wall Street Journal. These dates are referred to by us as “Adjustment Dates.” You can find the initial Index, Margin, Daily Periodic Rate and corresponding APR we use for your Account listed above in the section entitled Pricing Information Table. Your APR will increase if the Index increases and decrease if the Index decreases. If your APR increases, then your interest charges and Minimum Payment Due may increase. If the Index changes, we will apply the new variable APR starting from the first day of the Billing Period when we take the Index from The Wall Street Journal. The new APR will apply to existing balances, as well as balances added to your Account after the change. There is no minimum APR that can apply during the term of this Agreement. The maximum APR that can apply during the term of this Agreement is 17.99%. There are no annual (or other) limitations on changes in the APR during the term of this Agreement.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Your Cash Advance Limit are shown is 50% of your available credit. Your Credit Limit will be reflected on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this Credit Limit may be available for Cash Advances, and there may be a limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit). The Credit Limit and Cash Advance Limit are shown on each periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies applies, and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC VISA VARIABLE RATE AND CORRESPONDING ANNUAL PERCENTAGE RATEPROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a variable rate program, which means that your APR may increase or decrease each Billing Period while you maintain your Account with us. The APR that applies to your Account may vary with changes to the U.S. Prime Rate. The U.S. Prime Rate is the highest U.S. Prime Rate published in The Wall Street Journal (the “Index”). In the event that the U.S. Prime Rate ceases to be published, changes in your APR will be related to a comparable index and we will inform you on your periodic statement or through a separate notice. Your APR is subject to change each Billing Period based on an increase or decrease in the Index. We calculate your APR for Transactions by adding an amount, which we call the Margin, to the Index in effect on the 15th of each month as published in the Wall Street Journal. These dates are referred to by us as “Adjustment Dates.” You can find the initial Index, Margin, Daily Periodic Rate and corresponding APR we use for your Account listed above in the section entitled Pricing Information Table. Your APR will increase if the Index increases and decrease if the Index decreases. If your APR increases, then your interest charges and Minimum Payment Due may increase. If the Index changes, we will apply the new variable APR starting from the first day of the Billing Period when we take the Index from The Wall Street Journal. The new APR will apply to existing balances, as well as balances added to your Account after the change. There is no minimum APR that can apply during the term of this Agreement. For Visa Signature Card accounts issued on or after September 28, 2023, the APR for cash advances is up to 2% higher than the APR for purchases. The maximum APR that can apply during the term of this Agreement is 17.99%. There are no annual (or other) limitations on changes in the APR during the term of this Agreement.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this This Credit Limit may be is available for Cash Advances, and there may be a is no separate limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit)period. The Credit Limit and Cash Advance Limit are is shown in the Summary of Account Activity section on each your periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC VISA NON-VARIABLE RATE AND CORRESPONDING ANNUAL PERCENTAGE RATEPROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a non-variable rate program, which means that your APR does not increase or decrease except as otherwise provided for in this Agreement. The Monthly Periodic Rate used in calculating the interest charge (and the corresponding APR) is listed above in the section entitled Pricing Information Table. INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full. We calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance (including new Transactions). The following explains how we do this. To get the Average Daily Balance:  We start with the beginning balance of your account each day.  We add any new Transactions, fees and other charges  We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of days in the Billing Period. This gives us the average daily balance GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. Generally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2) Billing Periods in a row. There is no grace period on Balance Transfers and Xxxx Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account. FEES The following fees will be added to your Account, as applicable: FEE AMOUNT ABOUT THE FEE Annual Cardholder Fee None Late Payment Fee Up to $20 You will be charged a Late Payment Fee of up to $20 if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $5 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $5. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Over the Credit Limit None Cash Advance Fee None Balance Transfer Fee None Foreign Transaction Fee 1% of each transaction in U.S. Dollars See section entitled “Foreign Transactions” below for additional details. FEES: CONTINUED Replacement Card Fee $10.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $1 per page If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $25 3-day $50 2-day We will charge you a Rush Card Fee to rush each requested replacement card. Returned Convenience Check Fee $22 We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. Convenience Check Stop Payment $10 We will charge you a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the billing cycle will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT FOR PREMIER LOW RATE VISA: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount past due, any late charge and any amount over the Credit Limit. APPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the balances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and charges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers, and Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current Cash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances subject to the highest APR and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in full.

CREDIT LIMIT AND CASH ADVANCE LIMIT. We assign a Credit Limit to your Account. Part of this This Credit Limit may be is available for Cash Advances, and there may be a is no separate limit on the amount of Cash Advances you can take in a given period (Cash Advance Limit)period. The Credit Limit and Cash Advance Limit are is shown in the Summary of Account Activity section on each your periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash Advance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such increase or decrease by mail or through a statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing. Cash Advances and Balance Transfers do not earn Extra Awards points. CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those Transactions. We may close your Account if we learn that you are using it for business purposes. UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a crime under local, state or federal law, or in any illegal activity, including without limitation (1) any “racketeering activity” as defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment thereof. MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. MILITARY LENDING ACT DISCLOSURE Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent(s) may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The cost associated with credit insurance premiums; fee for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (000) 000-0000 to receive oral disclosures. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.