Common use of Disclosure Statement Clause in Contracts

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Preferred Points Non-Rewards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.905.9% introductory APR for nine six months. After that, your APR will be 19.9019.99%. This APR for Cash Advances 9.90will vary with the market based on the Prime Rate. a 5.9% introductory APR for nine six months. After that, your APR will be 19.9018.99%. This APR will vary with the market based on the Prime Rate. b APR for Balance Transfers and Cash Advances 5.9% introductory APR for six months. After that, your APR will be 19.99%. This APR will vary with the market based on the Prime Rate. a 5.9% introductory APR for six months. After that, your APR will be 18.99%. This APR will vary with the market based on the Prime Rate. b Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. c This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee $35 None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Preferred Points Non-Rewards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.905.9% introductory APR for nine six months. After that, your APR will be 19.9015.24%. This APR for Cash Advances 9.90will vary with the market based on the Prime Rate. a 5.9% introductory APR for nine six months. After that, your APR will be 19.9014.24%. This APR will vary with the market based on the Prime Rate. b APR for Balance Transfers and Cash Advances 5.9% introductory APR for six months. After that, your APR will be 15.24%. This APR will vary with the market based on the Prime Rate. a 5.9% introductory APR for six months. After that, your APR will be 14.24%. This APR will vary with the market based on the Prime Rate. b Penalty APR and When it Applies 21.00%19.24% - This APR will vary with the market based on the Prime Rate. c This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee $35 None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Premium and Business Cards Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9017.75% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9017.75% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%19.75% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for $12 with the exception of Preferred Points which is $35. $12 Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of May 25, 2023, the Index was 8.25%. a We add 9.50% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 11.50% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April June 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.904.50% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 4.50% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1March 25, 2022, the Index was 3.50%. This information may change after that datea We add 1.00% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 20222021. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April June 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Standard Card Preferred Points Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9019.49% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 19.49% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. 79 per Account Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as of April 1the Index will take effect beginning with the first billing cycle in the Month following a change in the Index. Increases or decreases in the Index will cause the APR and regular periodic rate to fluctuate, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 resulting in increased or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed decreased Interest Charges on the Account will be figured on each monthly billing statement by applying Account. As of February 23, 2024, the periodic rate Index was 8.50%. a We add 10.99% to the total Balance Subject Prime Rate to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals determine the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash AdvancesPurchases, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 daysnever have an APR over 21%.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.908.99% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 8.99% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1November 25, 2022, the Index was 7.00%. This information may change after that datea We add 1.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9010.24% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 10.24% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1May 25, 20222023, the Index was 8.25%. This information may change after that datea We add 1.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.907.74% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 7.74% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1June 24, 2022, the Index was 4.75%. This information may change after that datea We add 2.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards CLASSIC & PREMIUM CARDS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. 16.90% This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee Reward Card $35 Non-Reward Card None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your our account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Preferred Points Non-Rewards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.905.9% introductory APR for nine six months. After that, your APR will be 19.9016.74%. This APR for Cash Advances 9.90will vary with the market based on the Prime Rate. a 5.9% introductory APR for nine six months. After that, your APR will be 19.9015.74%. This APR will vary with the market based on the Prime Rate. b APR for Balance Transfers and Cash Advances 5.9% introductory APR for six months. After that, your APR will be 16.74%. This APR will vary with the market based on the Prime Rate. a 5.9% introductory APR for six months. After that, your APR will be 15.74%. This APR will vary with the market based on the Prime Rate. b Penalty APR and When it Applies 21.00%20.74% - This APR will vary with the market based on the Prime Rate. c This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee $35 None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index the Prime Rate (the base rate on corporate loans posted by at least 70% of the10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and regular periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 24, 2022, the Index was 4.75%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards CLASSIC & PREMIUM CARDS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. 16.90% This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee Reward Card $35 Non-Reward Card None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your our account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April June 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9012.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9012.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of August 25, 2022, the Index was 5.50%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April September 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Preferred Points Non-Rewards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.905.9% introductory APR for nine six months. After that, your APR will be 19.9019.49%. This APR for Cash Advances 9.90will vary with the market based on the Prime Rate. a 5.9% introductory APR for nine six months. After that, your APR will be 19.9018.49%. This APR will vary with the market based on the Prime Rate. b APR for Balance Transfers and Cash Advances 5.9% introductory APR for six months. After that, your APR will be 19.49%. This APR will vary with the market based on the Prime Rate. a 5.9% introductory APR for six months. After that, your APR will be 18.49%. This APR will vary with the market based on the Prime Rate. b Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. c This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee $35 None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index the Prime Rate (the base rate on corporate loans posted by at least 70% of the10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and regular periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of December 23, 2022, the Index was 7.50%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April January 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.909.25% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 9.25% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1May 25, 20222023, the Index was 8.25%. This information may change after that datea We add 1.00% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.904.25% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 4.25% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1March 25, 20222020, the Index was 3.25%. This information may change after that datea We add 1.00% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.908.24% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 8.24% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1September 23, 2022, the Index was 6.25%. This information may change after that datea We add 1.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of December 22, 2023, the Index was 8.50%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April January 1, 20222024. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9016.99% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9016.99% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9014.99%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9014.99%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of March 24, 2023, the Index was 8.00%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Premium and Business Cards Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9017.00% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9017.00% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%19.00% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for $12 with the exception of Preferred Points which is $35. $12 Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of December 23, 2022, the Index was 7.50%. a We add 9.50% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 11.50% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April January 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Preferred Points Non-Rewards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.905.9% introductory APR for nine six months. After that, your APR will be 19.9018.24%. This APR for Cash Advances 9.90will vary with the market based on the Prime Rate. a 5.9% introductory APR for nine six months. After that, your APR will be 19.9017.98%. This APR will vary with the market based on the Prime Rate. b APR for Balance Transfers and Cash Advances 5.9% introductory APR for six months. After that, your APR will be 18.24%. This APR will vary with the market based on the Prime Rate. a 5.9% introductory APR for six months. After that, your APR will be 17.98%. This APR will vary with the market based on the Prime Rate. b Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. c This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee $35 None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. and Cash Advance International 2% of each transaction in U.S. dollars. Transaction Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index the Prime Rate (the base rate on corporate loans posted by at least 70% of the10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and regular periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of September 23, 2022, the Index was 6.25%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April October 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic World Card and Preferred Points Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9018.99%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9018.99%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new cardcard Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of November 25, 2022, the Index was 7.00%. a We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April December 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of February 23, 2024, the Index was 8.50%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April March 1, 20222024. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards CLASSIC & PREMIUM CARDS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. 16.90% This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee Reward Card $35 Non-Reward Card None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your our account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 20222024. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9010.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9010.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%19.49% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of March 25, 2022, the Index was 3.50%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.909.99% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 9.99% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1March 24, 20222023, the Index was 8.00%. This information may change after that datea We add 1.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9013.00% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9013.00% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%15.00% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of November 25, 2022, the Index was 7.00%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April December 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards CLASSIC & PREMIUM CARDS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. 16.90% This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee Reward Card $35 Non-Reward Card None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your our account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of January 25, 2024, the Index was 8.50%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April February 1, 20222024. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Premium and Business Cards Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9017.50% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9017.50% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%19.50% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for $12 with the exception of Preferred Points which is $35. $12 Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of March 24, 2023, the Index was 8.00%. a We add 9.50% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 11.50% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April December 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9013.24%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9013.24%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of August 25, 2023, the Index was 8.50%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April September 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Premium and Business Cards Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9012.75% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9012.75% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%14.75% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for $12 with the exception of Preferred Points which is $35. $12 Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as of April 1the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 resulting in increased or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed decreased Interest Charges on the Account. As of March 25, 2020, the Index was 3.25%. a We add 9.50% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will be figured on each monthly billing statement by applying the periodic rate never have an APR over 21%. b We add 11.50% to the total Balance Subject Prime Rate to Interest Chargesdetermine the Penalty APR. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the Account will never have an APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 daysover 21%.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9011.50% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9011.50% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%13.50% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of August 25, 2022, the Index was 5.50%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April September 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Preferred Points Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9019.49% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 19.49% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $3549 per Account. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as of April 1the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 resulting in increased or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed decreased Interest Charges on the Account will be figured on each monthly billing statement by applying Account. As of November 24, 2023, the periodic rate Index was 8.50%. a We add 10.99% to the total Balance Subject Prime Rate to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals determine the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash AdvancesPurchases, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 daysnever have an APR over 21%.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Low Rate Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9011.74%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9011.74%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%20.74% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 24, 2022, the Index was 4.75%. a We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9013.50% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9013.50% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%15.50% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of December 23, 2022, the Index was 7.50%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April January 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9010.49% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 10.49% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1December 22, 20222023, the Index was 8.50%. This information may change after that datea We add 1.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April January 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.25% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9014.25% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%16.25% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of May 25, 2023, the Index was 8.25%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April June 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-75356- 9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9010.75% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9010.75% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%12.75% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 24, 2022, the Index was 4.75%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-75356- 9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic World Card and Preferred Points Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9020.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.90% introductory APR for nine six months. After that, your APR will be 19.9020.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new cardcard Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of February 23, 2024, the Index was 8.50%. a We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April March 1, 20222024. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.00% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.9014.00% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%16.00% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of March 24, 2023, the Index was 8.00%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 20222023. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-75356- 9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic World Card and Preferred Points Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9016.74%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9016.74%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%20.74% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new cardcard Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 24, 2022, the Index was 4.75%. a We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards Standard Card Preferred Points Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9019.49% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 19.49% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. a Penalty APR and When it Applies 21.00%% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. 79 per Account Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as of April 1the Index will take effect beginning with the first billing cycle in the Month following a change in the Index. Increases or decreases in the Index will cause the APR and regular periodic rate to fluctuate, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 resulting in increased or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed decreased Interest Charges on the Account will be figured on each monthly billing statement by applying Account. As of December 22, 2023, the periodic rate Index was 8.50%. a We add 10.99% to the total Balance Subject Prime Rate to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals determine the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash AdvancesPurchases, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 daysnever have an APR over 21%.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Platinum Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.908.00% introductory This APR will vary with the market based on the Prime Rate. a APR for nine months. After that, your Balance Transfers and Cash Advances 8.00% This APR will be 19.90%vary with the market based on the Prime Rate. APR for Cash Advances 9.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. a Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 21% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to Either $25 Up to 15 or 5% of the past-due amount, whichever is greater (maximum fee of $25 25). $10 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The issuer and administrator APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the credit card program is TIB, National Association10 largest U.S. banks) published in the Wall Street Journal. The information about Index will be adjusted on the cost 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Card described Federal Reserve System. Changes in this table is accurate as the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of April 1December 23, 2022, the Index was 7.50%. This information may change after that datea We add 1.00% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. To find out what may The Account will never have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120an APR over 21%. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.if

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic World Card and Preferred Points Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a APR for Balance Transfers and Cash Advances 9.902.9% introductory APR for nine six months. After that, your APR will be 19.9015.49%. This APR will vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%19.49% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new cardcard Prime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of March 25, 2022, the Index was 3.50%. a We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%. b We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April 1, 2022. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9016.99% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9016.99% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 20222021. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes the Agreement for the Account. Classic & Premium Cards Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.909.25% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a APR for Cash Advances 9.909.25% introductory APR for nine months. After that, your This APR will be 19.90%vary with the market based on the Prime Rate. a Penalty APR and When it Applies 21.00%11.25% - This APR will vary with the market based on the Prime Rate. b This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee None except for No Annual Fee with the exception of Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. Prime Rate: The APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 25, 2021, the Index was 3.25%. a We add 6.00% to the Prime Rate to determine the APR for Purchases and Cash Advances. The Account will never have an APR over 21%. b We add 8.00% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 20222021. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-75356- 9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.

Disclosure Statement. The Credit Card Agreement & this Disclosure Statement constitutes constitute the Agreement for the Account. Classic Cards CLASSIC & PREMIUM CARDS Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. APR for Cash Advances 9.9014.90% introductory APR for nine months. After that, your APR will be 19.90%. Penalty APR and When it Applies 21.00%. 16.90% This APR may be applied if you allow your Account to become 60 days past due. How Long Will the Penalty Apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore/. Fees Annual Fee Reward Card $35 Non-Reward Card None except for Preferred Points which is $35. Transaction Fees: Balance Transfer and Cash Advance International Transaction Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater. 2% of each transaction in U.S. dollars. Penalty Fees: Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your our account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card. The issuer and administrator of the credit card program is TIB, National Association. The information about the cost of the Card described in this table is accurate as of April July 1, 20222021. This information may change after that date. To find out what may have changed, call us at 000-000-0000 or write TIB, National Association, P.O. Box 569120, Dallas, Texas 75356-9120. How Interest Charges are Determined & When They are Imposed Interest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance Subject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when multiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in installments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with Cash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will include an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay cash advances or balance transfers in order to avoid an Interest Charge. Interest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that billing cycles begin on the first day and end on the last day of each calendar month, and the month of June is the “current” billing cycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for the May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July), no Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May billing cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account in June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest Charges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the payment due date in July. Any portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases, Interest Charge and Other Charges) which is not paid in full and credited to the Account by the “Payment Due Date” shown on that statement becomes part of the “Previous Balance” on your next monthly billing statement. All payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be credited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for the payment may be delayed up to 5 days.