Common use of What To Do Clause in Contracts

What To Do. If You Find a Mistake on Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-0696 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appeared. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, write to us at: First National Bank of Omaha Card Services, P.O. Box 3696 Omaha183258 Columbus, NE 68103OH 43218-0696 3258. In your letter, give us the following information: • Account information: Your your name and account Account number. • Dollar amount: The ; the date and dollar amount of the suspected error; and a description of the problem. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • 1) Within 60 days after we send you the first statement on which the error or problem appeared. • At appeared on your statement; and 2) if you have enrolled in automatic payment, at least 3 business days before an automated the payment is scheduled, scheduled if you want to stop payment on the amount you think believe is wrong. You must notify us of any potential errors in writingwriting at the address set forth above. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limitCredit Limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You you will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported report you as delinquent, and we must let those organizations know when the matter has been settled between us. Your Rights If we do You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not follow to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1) the Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50 (note: these limitations do not apply if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); 2) you must have used your credit card for the Purchase (Purchases made with Cash Advances from an ATM or with a check that accesses your Account do not qualify); and 3) you must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: Card Services, P.O. Box 183258 Columbus, OH 43218-3258. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not have to pay the first $50 of the amount pay, we may report you question even if your bill is correctas delinquent.

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 OmahaComenity Bank, NE 68103XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0696 0000 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your billxxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill xxxx is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.statement

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 OmahaComenity Capital Bank, NE 68103XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0696 0000 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your billxxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill xxxx is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement state­ment of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill xxxx is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your billxxxx. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill xxxx is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, write to us at: First National Bank of Omaha Card Services, P.O. Box 3696 Omaha183258 Columbus, NE 68103-0696 OH 43218‐3258. In your letter, give us the following information: • Account information: Your your name and account Account number. • Dollar amount: The ; the date and dollar amount of the suspected error; and a description of the problem. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • 1) Within 60 days after we send you the first statement on which the error or problem appeared. • At appeared on your statement; and 2) if you have enrolled in automatic payment, at least 3 business days before an automated the payment is scheduled, scheduled if you want to stop payment on the amount you think believe is wrong. You must notify us of any potential errors in writingwriting at the address set forth above. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limitCredit Limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You you will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported report you as delinquent, and we must let those organizations know when the matter has been settled between us. Your Rights If we do You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not follow to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1) the Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50 (note: these limitations do not apply if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); 2) you must have used your credit card for the Purchase (Purchases made with Cash Advances from an ATM or with a check that accesses your Account do not qualify); and 3) you must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: Card Services, P.O. Box 183258 Columbus, OH 43218‐3258. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not have to pay the first $50 of the amount pay, we may report you question even if your bill is correctas delinquent.

What To Do. If You Find a A Mistake on On Your Account Statement If you think there is an error on your statementAccount Statement, write to us at: First National Bank of Omaha Banco Popular North America Cardmember Service Center, P.O. Box 3696 Omaha31535, NE 68103-0696 Tampa, FL 33631 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your billAccount Statement, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your Account Statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill Account Statement is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge (xviii) APPLICABLE LAW This Agreement will be governed by the laws of Florida (without regard to its conflict of laws principles), whether or not you live in question may remain on your statementFlorida, and whether or not your Account is used outside of Florida, and by any applicable federal laws. You agree that: (1) this Agreement is entered into in Florida; (2) all credit under this Agreement will be extended from Florida; and (3) all credit extended under this Agreement is subject to, and governed by, Florida law. All Terms and Conditions of this Agreement (including the Change of Terms provisions, this Applicable Law provision, and the Interest Charge, Late Charge and Returned Payment Charge provisions) are deemed to be material to a determination of the interest charge. (xiv) ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account. In addition, we may continue refer the Account to charge you interest on that amounta collection agency or attorney who shall be entitled to enforce this Agreement according to its terms, and any of our rights shall apply to those persons. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • (xx) CREDIT BUREAU REPORTING AND INFORMATION GATHERING We can apply any unpaid amount against will report your credit limit. After we finish our investigation, one of two things will happen: • If we made record to a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owecredit reporting agency (ies). If you receive our explanation but still believe your bill is wrongwe have inaccurate information about you or have reported inaccurate information about you to a Consumer Reporting Agency, you must write can notify us at Banco Popular North America, Cardmember Service Center, P.O Box 31535, Tampa, FL 33631. You agree that any government agency may release your residence address to us within 10 days telling us us, should it become necessary to locate you. You agree that our supervisory personnel may listen or tape telephone calls between you still refuse and our representatives in order to paybetter serve you and other Cardmembers. If you do so, You agree that we cannot have the right to obtain a current credit report you as delinquent without also reporting that you are questioning in connection with your billAccount at any time. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.(xxi)

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-0696 at the address shown on your billing statement. In your letter, give us the following information: • . Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of the problem: If you think there is an error on your billxxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. , You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill xxxx is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill xxxx is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your billxxxx. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the these rules above, you do not have to pay the first $50 of the amount you question even if your bill xxxx is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold the good or services.) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address shown on your billing statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Additional Disclosures for Residents of Specific States New York and Vermont Residents: You agree to give us permission to obtain one or more credit reports from consumer reporting agencies in connection with this application, any transaction or extension of credit that may result from this application, and on an ongoing basis, for the purposes of performing a routine and occasional verification of credit on the Account, updating or renewing the Account, adjusting the credit limit on the Account, taking collection action on the Account, or for any other legitimate purposes associated with the Account. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law. Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. KeyBank Rewards Program Terms and Conditions . Enrollment. Enrollment enables Rewards Points to begin accruing relative to an Enrolled Product and/or an Enrolled Signer. a.

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 OmahaComenity Capital Bank, NE 68103XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0696 0000 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your billxxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill xxxx is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement state­ment of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill xxxx is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your billxxxx. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill xxxx is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card ac­count do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Comenity Capital Bank XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. G. Optional products Credit insurance (as applicable) Purchasing credit insurance is optional. If you do choose to carry credit insurance coverage, the premium charge will be added to your Account as a purchase on the last day of each billing period. You can cancel your coverage at any time. Account Assure Debt cancellation (as applicable) • Purchasing Account Assure is optional. • Your decision whether or not to purchase Account Assure won’t affect your application for credit or the terms of any existing credit agreement you have with us. • The monthly fee for Account Assure is based on the outstanding monthly balance on your Account each month and will be added to your Statement. • We’ll provide additional information before you’re required to pay for Ac­count Assure. This will include a copy of the terms and conditions pertain­ing to Account Assure. • You can cancel your Account Assure at any time. • There are eligibility requirements, conditions, and exclusions that could pre­vent you from receiving benefits under Account Assure. • Be sure to carefully read the Addendum for a full explanation of the terms of Account Assure. H. Communicating with us Communicating to you about your Account If we need to contact you to service your Account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your Account, to communicate with you in any way, such as calling, texting, or electronic mail via: 1) a cell, landline, or text number you provide, use to contact us, or at which we believe we can reach you (even if it is not yours), 2) any electronic mail address you provide to us or one of our merchants, 3) automated dialer systems and automatic telephone dialing systems, 4) pre-recorded or artificial voice messages and other forms of communica­ tions. You also agree that these communications aren’t unsolicited for purposes of any state or federal law, and you understand that this may result in additional mobile, text message, or data charges. Phone monitoring • To provide you with high-quality service, phone communication with us is monitored and/or recorded. • You agree that we monitor and/or record any phone calls between you and us. • Please inform all authorized cardholders of this provision, including anyone acting on your behalf or making payments on this Account. For Wisconsin residents: If you are married, please contact us immediately upon receipt of this Agreement at 0-000-000-0000 (TDD/TTY 0-000-000-0000) and provide us with the name and address of your spouse. We are required to inform your spouse that we have opened a credit account for you. For bankruptcy notifications: All bankruptcy notices and related correspondence to Comenity Capital Bank should be sent to the following address: Comenity Capital Bank, Bankruptcy Department, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000. I. Arbitration and jury trial waiver A. Jury trial waiver TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF A LAWSUIT ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT THE ARBITRATION PROVISION BELOW (INCLUDING THE JURY TRIAL WAIVER CONTAINED THEREIN). YOU AND WE EACH REPRESENT THAT THIS WAIVER IS GIVEN KNOWINGLY, WILLINGLY AND VOLUNTARILY. B. Notice and cure Prior to bringing a lawsuit or initiating an arbitration that asserts a claim aris­ing out of or related to this Agreement (as further defined below, a “Claim”), the party asserting the Claim (the “Claimant”) shall give the other party (the “Defendant”) written notice of the Claim (a “Claim Notice”) and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice to you shall be sent in writing to the address we have in our records (or any updated address you subsequently provide to us). Any Claim Notice to us shall be sent by mail to Comenity Capital Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000 (or any updated address we subsequently provide). Any Claim Notice you send must provide your name, address and Account number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and not on behalf of any other party. No third party, other than a lawyer you have personally retained, may submit a Claim Notice on your behalf. The Claimant must reasonably cooperate in provid­ing any information about the Claim that the other party reasonably requests. C. Arbitration provision READ THIS ARBITRATION PROVISION CAREFULLY. IF YOU DO NOT REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH PARAGRAPH C.1. BE­ LOW, IT WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTAN­TIAL IMPACT ON THE WAY YOU OR WE WILL RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER NOW OR IN THE FUTURE. 1. Your Right to Reject: If you don’t want this Arbitration Provision (and any prior arbitration agreement between you and us (“Prior Arbitration Agreement”)) to apply, you may reject it by mailing us a written rejection notice which gives the name of each Cardholder and contains a statement that you (both of you, if more than one) reject the Arbitration Provision of this Agreement. The rejection notice must be sent to us at Comenity Capital Bank, XX Xxx 000000, Xxxxxxxx, Xxxx 00000-0000. A rejection notice is only effective if it is signed by you (all of you, if more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit card agreement or written notice providing you a right to reject this Arbitration Provision. Your rejection of this Arbitration Provision will not affect any other provision of this Agreement or your ability to obtain credit. 2. Parties Subject to Arbitration: Solely as used in this Arbitration Provision (and not elsewhere in this Agreement), the terms “we,” “us” and “our” mean (a) Comenity Capital Bank, any parent, subsidiary or affiliate of the Bank and the employees, officers and directors of such companies (the “Bank Parties”); and (b) any other person or company that provides any services in connection with this Agreement if you assert a Claim against such other person or company at the same time you assert a Claim against any Bank Party. 3. Covered Claims: “Claim” means any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement, the Account, the issuance of any Card, any rewards program, any prior agreement or account. “Claim” includes disputes arising from actions or omissions prior to the date any Card was issued to you, including the advertising related to, application for or approval of the Account. “Claim” has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or declaratory relief). “Claim” does not include disputes about the validity, enforceability, coverage or scope of this Arbi­tration Provision or any part thereof (including, without limitation, the prohibition against class proceedings, private attorney general proceedings and/or multiple party proceedings described in Paragraph C.7 (the “Class Action Waiver”), the last sentence of Paragraph C.13 and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. 4. Starting an Arbitration: Arbitration may be elected by any party with respect to any Claim, even if that party has already initiated a lawsuit with respect to a different Claim. Arbitration is started by giving a written demand for arbitration to the other party. We will not demand to arbitrate an individual Claim that you bring against us in small claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the right to demand arbitration. 5. Choosing the Administrator: “Administrator” means the American Arbitration Association (“AAA”), 0000 Xxxxxxxx, 00xx Xxxxx, Xxx Xxxx, XX 00000, www. xxx.xxx; JAMS, 000 Xxxxxx Xxxxxx, 00xx Xxxxx, Xxx Xxxx, XX 00000, www. xxxxxxx.xxx; or any other company selected by mutual agreement of the par­ties. If both AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. The arbitrator will be appointed by the Administrator in accordance with the rules of the Administrator. However, the arbitrator must be a retired or former judge or a lawyer with at least 10 years of experience. You get to select the Administrator if you give us written notice of your selection with your notice that you are electing to arbitrate any Claim or within 20 days after we give you notice that we are electing to arbitrate any Claim (or, if you dispute our right to require arbitration of the Claim, within 20 days after that dispute is finally resolved). If you do not select the Administrator on time, we may do it. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Admin­istrator that has in place a formal or informal policy that is inconsistent with the Class Action Waiver. 6.

What To Do. If You Find a A Mistake on On Your Statement If you You think there is an error on your Your statement, write to us at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-0696 Us at the address listed on Your statement. In your Your letter, give us Us the following information: • Account information: Your name and account Account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you You think there is an error on your billYour xxxx, describe what you You believe is wrong and why you You believe it is a mistake. You must contact usUs: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on Your statement. • At least 3 three business days before an automated payment is scheduled, if you You want to stop payment on the amount you You think is wrong. You must notify us Us of any potential errors in writingwriting or electronically. You may call usUs, but if you You do we We are not required to investigate any potential errors and you You may have to pay the amount in question. What Will Happen After We Receive Your Letter When we We receive your Your letter, we We must do two things: 1. Within 30 days of receiving your Your letter, we We must tell you You that we We received your Your letter. We will also tell you You if we We have already corrected the error. 2. Within 90 days of receiving your Your letter, we We must either correct the error or explain to you You why we We believe the bill xxxx is correct. While we We investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you You as delinquent on that amount. • The charge in question may remain on your Your statement, and we We may continue to charge you You interest on that amount. • While you You do not have to pay the amount in question, you You are responsible for the remainder of your Your balance. • We can apply any unpaid amount against your Your credit limit. After we We finish our Our investigation, one of two things will happen: • If we We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you You a statement of the amount you You owe and the date payment is due. We may then report you You as delinquent if you You do not pay the amount we We think you You owe. If you You receive our Our explanation but still believe your bill Your xxxx is wrong, you You must write to us Us within 10 days telling us Us that you You still refuse to pay. If you You do so, we We cannot report you You as delinquent without also reporting that you You are questioning your billYour xxxx. We must tell you You the name of anyone to whom we We reported you You as delinquent, and we We must let those organizations know when the matter has been settled between usUs. If we We do not follow all of the rules above, you You do not have to pay the first $50 of the amount you You question even if your bill Your xxxx is correct.

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 OmahaGenisys Credit Union 0000 Xxxxxxxxx Xxxxx Xxxx Xxxxxx Xxxxx, NE 68103-0696 XX 00000 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writingwriting [or electronically]. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, please use the VITAL Card mobile application in-application Dispute Transaction feature or call us at (000) 000-0000 or (000) 000-0000 Monday through Friday 8 AM to 9 PM (EST), or you may also write to us at: First National Bank of Omaha P.O. VITAL Card, Inc., PO Box 3696 Omaha9227 Old Bethpage, NE 68103-0696 New York 11804 In your lettercorrespondence, give please provide us the following information: • Account information(1) account Information: Your your name and account Account number. • Dollar ; (2) dollar amount: The the dollar amount of the suspected error. • Description ; and (3) description of the problem: If if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within us within 60 days after we send you the first statement on which the error or problem appeared. • At appeared on your statement, and at least 3 three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must may notify us of any potential errors in writingwriting or by calling us. You may call us, but if you do we are not still be required to investigate any potential errors and you may have to pay the amount amount(s) in questionquestion if the Bank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible at (000) 000-0000 or (000) 000-0000. What Will Happen After We Receive Your Letter Letter: When we receive your letter, we must do two things: 1. Within within 30 days of receiving your letter, we must will tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error, the following are true: • We (1) we cannot try to collect the amount in question, question or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in questionBut, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After if we finish our investigation, one of two things will happen: • If determine that we made a mistake: You , you will not have to pay the amount in question or any interest or other fees related to that amount; (2) while you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance; and (3) we can apply any unpaid amount against your credit limit. • Within 90 days of receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next Statement) or the reasons we believe the bill is correct. If we do not believe there was a mistake: You , you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question question, even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, or if you need more information about a transaction on your bill, write us on a separate sheet of paper and mail to AccessOne, P.O. Box 410806, Charlotte, NC 00000- 0000. You may also contact us at xxx.xxxxxxxxxxx.xxx. Do NOT send the letter with your payment. Write to us at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-0696 as soon as possible. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If Describe the error and explain why you think believe there is an error on your billerror. If you need more information, describe what the item you believe are not sure about. If you have authorized us to pay your bill automatically from your savings, checking, or any other account, you can stop the payment on any amount you think is wrong and why you believe it wrong. To stop the payment your letter must reach us three business days before the automatic payment is a mistakescheduled to occur. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduledscheduled to occur, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writingwriting or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After Your Rights and Our Responsibilities after We Receive Your Letter When we receive your letter, we must do two thingsWritten Notice: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is was correct. While we investigate whether or not there has been an error: • We , we cannot try to collect the any amount in you question, or report you as delinquent on that amountdelinquent. • The charge in question may remain on your statementWe can continue to bill you for the amount you question, including finance charges, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After You do not have to pay any questioned amount while we finish our investigationare investigating it, one but you are still obligated to pay the parts of two things will happen: • your bill that are not in question. If we find that we made a mistake: You mistake on your bill, you will not have to pay the amount in question or any interest or other fees finance charges related to that amountthe amount in question. • If we do not believe there was find that we didn't make a mistake: You , you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think have found that you owe. If you receive our explanation but still believe your bill is wrongdoes not satisfy you, and you must write to us within 10 ten days telling us that you still refuse to pay. If you do so, we cannot must tell anyone to whom we report you as delinquent without also reporting that you are questioning have a question about your bill. We And, we must tell you the name of anyone we report you to. We must also tell anyone to whom we reported report you as delinquent, and we must let those organizations know when that the matter has been settled between usus when it is finally settled. If we do not don't follow all of the rules abovethese rules, you do not have to pay we can't collect the first $50 of the amount you question questioned amount, even if your bill is was correct.

What To Do. If You Find a Mistake on On Your Billing Statement If you think there is an error on your billing statement, write to us at: First National Bank at the address for billing inquiries and correspondence shown on the front of Omaha P.O. Box 3696 Omaha, NE 68103-0696 your billing statement. In your letter, give us the following information: • Account information: Your name and account number. • Merchant information: Name of Merchant or Business Name • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appeared. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. You must contact us: • Within 60 days after the error appeared on your billing statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. • Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. • Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your billing statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a billing statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. PO Box 3696 540190 Omaha, NE 6810368154-0696 0190 In your letter, give us the following information: • Account information(1) account Information: Your your name and account Charge Card Account number. • Dollar ; (2) dollar amount: The the dollar amount of the suspected error. • Description ; and (3) description of the problem: If if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 us within sixty (60) days after we send you the first statement on which the error or problem appeared. • At appeared on your statement, and at least 3 three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must may notify us of any potential errors in writing. You may call us, but if you do we are not still be required to investigate any potential errors and you may have to pay the amount amount(s) in questionquestion if the Bank determines the transaction is not an error. If you believe fraud has occurred on your Charge Card Account, please call us as soon as possible at 1-888-601- 4224. What Will Happen After We Receive Your Letter Letter: When we receive your letter, we must do two things: 1. Within 30 within thirty (30) days of receiving your letter, we must will tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error, the following are true: • We (1) we cannot try to collect the amount in question, question or report you as delinquent on that amount. • The ; (2) the charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While ; (3) while you do not have to pay the amount in questionquestion until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. • We ; and (4) we can apply any unpaid amount against your credit limit. After Within ninety (90) days of receipt of your letter, we finish our investigation, one of two things will happen: • send you a written notice explaining either that we corrected the error (to appear on your next Statement) or the reasons we believe the bill is correct. If we determine that we made a mistake: You , you will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You , you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 ten (10) days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question question, even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 OmahaTallied Technologies, NE 68103Inc. 0000 Xxxxxx Xxxxx, Suite 300 San Ramon, CA 94583 You may also contact us at 0-0696 000-000-0000, Monday through Friday 7 AM to 5 PM (Pacific Time). In your letter, give us the following information: • (1) Account information: Your your name and account Account number. • Dollar ; (2) dollar amount: The the dollar amount of the suspected error. • Description ; and (3) description of the problem: If if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within us within 60 days after we send you the first statement on which the error or problem appeared. • At appeared on your statement, and at least 3 three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must may notify us of any potential errors in writingwriting or by calling us. You may call us, but if you do we are not still be required to investigate any potential errors and you may have to pay the amount amount(s) in questionquestion if the Bank determines the transaction is not an error. If you believe fraud has occurred on your Account, please call us as soon as possible at 0-000-000-0000. What Will Happen After We Receive Your Letter Letter: When we receive your letter, we must do two things: 1. Within within 30 days of receiving your letter, we must will tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error, the following are true: • We (1) we cannot try to collect the amount in question, question or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in questionBut, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After if we finish our investigation, one of two things will happen: • If determine that we made a mistake: You , you will not have to pay the amount in question or any interest or other fees related to that amount; (2) while you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance; and (3) we can apply any unpaid amount against your Credit Limit. • Within 90 days of receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next Statement) or the reasons we believe the bill is correct. If we do not believe there was a mistake: You , you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question question, even if your bill is correct.

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Box 3696 Omaha, NE 68103-0696 at the address listed on your statement. In your letter, give us the following information: • - Account information: Your name and account number. • - Dollar amount: The dollar amount of the suspected error. • - Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • - Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • - At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writingwriting (or electronically). You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • error - We cannot try to collect the amount in question, or report you as delinquent on that amount. • - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • - We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • - If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • - If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statementStatement, write to us at: First National Commerce Bank of Omaha P.O. Box 3696 OmahaX.X. Xxx 000000, NE 68103Xxxxxx Xxxx, XX 00000-0696 0000. You may also send us this information via fax at 0-000-000-0000 In your letter, give us the following information: • * Account information: Your name and account Account number. • * Dollar amount: The dollar amount of the suspected error. • * Description of problem: If you think there is an error on your billxxxx, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • * Within 60 days after we send you the first statement on which the error or problem appearedappeared on your Statement. • * At least 3 business days Business Days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill xxxx is correct. While we investigate whether or not there has been an error: • * We cannot try to collect the amount in question, or report you as delinquent on that amount. • * The charge in question may remain on your statementStatement, and we may continue to charge you interest on that amount. • * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • * We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • * If we made a mistake: You will not have to pay the amount in question or any interest Interest Charges or other fees Fees related to that amount. • * If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest Interest Charges and feesFees. We will send you a statement Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill xxxx is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your billxxxx. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill xxxx is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have Purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card Account do not qualify. 3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: Commerce Bank X.X. Xxx 000000, Xxxxxx Xxxx, XX 00000-0000. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. LIABILITY FOR UNAUTHORIZED USE If your name appears on the Account for the Card(s) accompanying this Agreement, then by using or permitting another to use the Card(s) and/or PIN, you agree to all the provisions of this Agreement, including, but not limited to your promise to pay. You will not be liable for unauthorized use that occurs after you notify Commerce Bank orally or in writing. Notification of loss, theft or possible unauthorized use may be mailed to Commerce Bank, X.X. Xxx 000000, Xxxxxx Xxxx, XX 00000-0000, or you may call 0-000-000-0000. SPECIAL CONNECTIONS FEATURE (OPTIONAL) With the Special ConnectionsSM Feature, and as permitted from time to time, you may use your Card to access Commerce Bank Special Connections Feature-eligible deposit accounts, credit cards, lines of credit, and/or loans. You may request the Special Connections Feature from a Commerce Bank branch, through Commerce Bank Online Banking, or from our Customer Service Department at 0-000-000-0000. These features are not automatically activated. For customers with a Special Connections® Visa® or MasterCard® credit card, please note: The Special Connections Feature is different from a Commerce Bank Special Connections Visa or MasterCard credit card. The Special Connections Feature allows you to add certain functionality to any Commerce Bank-issued credit card, including Commerce Bank’s Special Connections Visa or MasterCard credit card. However, your Special Connections Visa or MasterCard credit card is not automatically enabled with the Special Connections Feature. You must proactively enroll any credit card, including your Special Connections Visa or MasterCard credit card, in the Special Connections Feature in order for that card to utilize the Special Connections Feature’s capabilities described herein. ELECTRONIC FUND TRANSFERS The following provisions apply only to Electronic Fund Transfers (“EFTs”). EFTs are any transfer of funds initiated with your Card(s) at an ATM or as a PIN-based debit transaction (“Point of Sale”). We can cancel these services at any time and for any reason without notice. We can also cancel your entire Account, including credit card services, and revoke your Card(s) as provided in the CANCELLATION paragraph above. This may be done by an ATM or merchant not returning your Card(s) to you. We may change the terms of this Agreement relating to EFTs without notice to you unless required by law. WHAT CONSTITUTES BANK’S BUSINESS DAY Our Business Days are Monday through Friday. Federal holidays are not included. DISCLOSURE OF CONSUMER’S LIABILITY FOR UNAUTHORIZED TRANSFERS AND ADVISABILITY OF PROMPT REPORTING Tell us AT ONCE if you believe your Card(s) has/have been lost or stolen or if you believe that an EFT has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your deposit account plus your maximum overdraft line of credit. If you tell us within two Business Days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two Business Days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card and making transfers from your deposit account without your permission if you had told us, you could lose as much as $500. Also, if your deposit statement shows transfers that you did not make, including those made by Card, code or other means, tell us at once. If you do not tell us within 60 days after the deposit statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods at our discretion. TELEPHONE NUMBER AND

What To Do. If You Find a Mistake on On Your Billing Statement If you think there is an error on your billing statement, write to us at: First National Bank at the address for billing inquiries and correspondence shown on the front of Omaha P.O. Box 3696 Omaha, NE 68103-0696 your billing statement. In your letter, give us the following information: • ⦁ Account information: Your name and account number. • ⦁ Merchant information: Name of Merchant or Business Name ⦁ Dollar amount: The dollar amount of the suspected error. • ⦁ Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appeared. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. You must contact us: ⦁ Within 60 days after the error appeared on your billing statement. ⦁ At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. ⦁ Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. ⦁ Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your billing statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a billing statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, please use the VITAL Card mobile application in-application Dispute Transaction feature or call us at [(000) 000-0000 or (000) 000-0000] [Monday through Friday 8 AM to 9 PM (EST), or you may also write to us at: First National Evolve Bank of Omaha P.O. Box 3696 Omaha& Trust X.X. Xxx 0000 Xxxxxxx, NE 68103XX 00000-0696 0000 In your lettercorrespondence, give please provide us the following information: • Account information(1) account Information: Your your name and account Account number. • Dollar ; (2) dollar amount: The the dollar amount of the suspected error. • Description ; and (3) description of the problem: If if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within us within 60 days after we send you the first statement on which the error or problem appeared. • At appeared on your statement, and at least 3 three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must may notify us of any potential errors in writingwriting or by calling us. You may call us, but if you do we are not still be required to investigate any potential errors and you may have to pay the amount amount(s) in questionquestion if the Bank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible at [(000) 000-0000 or (000) 000-0000]. What Will Happen After We Receive Your Letter Letter: When we receive your letter, we must do two things: 1. Within within 30 days of receiving your letter, we must will tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not n ot there has been an error, the following are true: • We (1) we cannot try to collect the amount in question, question or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in questionBut, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After if we finish our investigation, one of two things will happen: • If determine that we made a mistake: You , you will not have to pay the amount in question or any interest or other fees related to that amount; (2) while you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance; and (3) we can apply any unpaid amount against your credit limit. • Within 90 days of receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next Statement) or the reasons we believe the bill is correct. If we do not believe there was a mistake: You , you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question question, even if your bill is correct.

What To Do. If You Find a Mistake on Your Statement Statement: If you think there is an error on your statement, write to us at: First National Bank of Omaha Deserve P.O. Box 3696 Omaha57780 Xxxxxx, NE 68103UT 84157 You may also contact Deserve at 0-0696 000-000-0000, [Monday through Friday from 6:00 a.m. - 6:00 p.m. PT and Saturday from 7:00 a.m. - 12:00 p.m. PT. In your letter, give us the following information: • Account information(1) account Information: Your your name and account Account number. • Dollar ; (2) dollar amount: The the dollar amount of the suspected error. • Description ; and (3) description of the problem: If if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within Deserve within 60 days after we send you the first statement on which the error or problem appeared. • At appeared on your statement, and at least 3 three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must may notify us Deserve of any potential errors in writingwriting or by calling us. You may call us, but if you do we are not still be required to investigate any potential errors and you may have to pay the amount amount(s) in questionquestion if the Bank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible at 0-000-000-0000. What Will Happen After We Receive Your Letter Letter: When we receive your letter, we must do two things: 1. Within within 30 days of receiving your letter, we must will tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error, the following are true: • We (1) we cannot try to collect the amount in question, question or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in questionBut, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After if we finish our investigation, one of two things will happen: • If determine that we made a mistake: You , you will not have to pay the amount in question or any interest or other fees related to that amount; (2) while you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance; and (3) we can apply any unpaid amount against your credit limit. • Within 90 days of receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next Statement) or the reasons we believe the bill is correct. If we do not believe there was a mistake: You , you will have to pay the amount in question, along with applicable interest and fees. We will send you a statement Statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question question, even if your bill is correct.

What To Do. If You Find a A Mistake on On Your Statement If you think there is an error on your statement, write to us at: First National Bank of Omaha P.O. Capital One PO Box 3696 Omaha5893, NE 68103Carol Stream, IL 60197-0696 5893 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after we send you the first statement on which the error or problem appearedappeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.