Common use of USE OF YOUR CARD Clause in Contracts

USE OF YOUR CARD. And Account You may use the Card to make purchases only for personal, family or household purposes from any person or establishment accepting the Card (each such transaction, a “Purchase”). The Card does not have a cash advance or balance transfer feature. You agree to use the Card only for legal and lawful purposes. The Card may not be used for illegal transactions or for the purpose of paying us on this or any other form of credit account you may have with us. If you use your Card for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but you still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed. You Promise To Pay You promise to pay us for all amounts charged to the Account, including all purchases and interest charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. Credit Limit We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security Account. Your current Credit Limit will be shown on each monthly statement. You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we can still charge you for all Purchases and interest without giving up any of our rights. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so. At our discretion, we may (1) block transactions that would exceed your Credit Limit and (2) change your Credit Limit at any time without advance notice to you. Transaction Limits To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your Account for any reason. Monthly Statements We will electronically send you a monthly statement for any billing period in which there is activity on your Account, or as otherwise required by applicable law. Your monthly statement will show, among other things, (1) the unpaid balance on your Account at the beginning of the billing period (the “Previous Balance”); (2) any Purchases, interest and other debits posted to your Account in that billing period; (3) any payments and credits posted to your Account in that billing period; and (4) the Minimum Payment you must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is set to be available on the 11th of every month with a due date of the 27th of every month). Your credit card statement will be available on-line where you can review and print. Transactions In Foreign Currencies We charge a 2% fee on foreign transactions. If you obtain funds or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (2%) of the U.S. dollar amount of any International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or credited back to your Account.

USE OF YOUR CARD. And Account You may use the Card to make purchases only for personal, family or household purposes from any person or establishment accepting the Card (each such transaction, a “Purchase”). The Card does not have a cash advance or balance transfer feature. You agree to use the Card only for legal and lawful purposes. The Card may not be used for illegal transactions or for the purpose of paying us on this or any other form of credit account you may have with us. If you use your Card for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but you still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed. You Promise To Pay You promise to pay us for all amounts charged to the Account, including all purchases and interest charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. Credit Limit We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security Account. Your current Credit Limit will be shown on each monthly statement. You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we can still charge you for all Purchases and interest without giving up any of our rights. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so. At our discretion, we may (1) block transactions that would exceed your Credit Limit and (2) change your Credit Limit at any time without advance notice to you. Transaction Limits To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your Account for any reason. Monthly Statements We will electronically send you a monthly statement for any billing period in which there is activity on your Account, or as otherwise required by applicable law. Your monthly statement will show, among other things, (1) the unpaid balance on your Account at the beginning of the billing period (the “Previous Balance”); (2) any Purchases, interest and other debits posted to your Account in that billing period; (3) any payments and credits posted to your Account in that billing period; and (4) the Minimum Payment you must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is set to be available on the 11th of every month with a due date of the 27th of every month). Your credit card statement will be available on-line where you can review and print. Transactions In Foreign Currencies We charge a 2% fee on foreign transactions. If you obtain funds or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (21%) of the U.S. dollar amount of any International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or credited back to your Account.

USE OF YOUR CARD. And Account You may use the Card to make purchases only for personal, family or household purposes from any person or establishment accepting the Card (each such transaction, a “Purchase”). The Card does not have a cash advance or balance transfer featurePermitted Use. You agree to use your Card and Card Account in accordance with this Cardmember Agreement and applicable law. You agree to use your Card and Card Account for lawful transactions only. You must not use, or try to use, the Card for any illegal activity. You may use your Card and Card Account only for legal personal, family, or household purposes, and lawful purposesnot for any business or commercial purpose. The You are responsible for all activity conducted on your Card may not and Card Account by you and all others you authorize, and all transactions by others you authorize will be treated as if you had made the transaction yourself. You must sign the Card when you receive it, and you must return the Card to us or destroy it if we ask you to. Your Card can be used for illegal transactions to buy or for lease goods or services wherever the purpose of paying us on this Card is honored. You may be able to establish recurring periodic billing arrangements with merchants. In that regard, it is your responsibility to ensure such merchants are provided with current Card information. If your Card information changes, such as a change in Card number or Card expiration date, you consent to our providing such new Card information, in our discretion, to any other form of credit account or all such merchants, but we are not obligated to do so. If your Card Account is closed or your Card Account or Card privileges are suspended or terminated, you understand that you may have with usneed to contact the applicable merchant(s) to ensure that automatic payments stop. If You may use your Card to obtain cash advances at automated teller machines (“ATMs”) that bear the Mastercard(r) Xxxx, as permitted by the ATM operator. Each time you use your Card for any such purposeto obtain cash from an ATM, you will may be in default under this Agreement and we assessed a transaction fee by the ATM operator. Cash access methods other than through an ATM, such as over the counter transactions or at point of sale, may block such transactions and/or terminate your Account, but you still will not be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closedavailable. You Promise To Pay You promise to pay us for all amounts charged to the Account, including all purchases and interest charged to your Account. You are obligated to repay us for all transactions made using may not use your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. Credit Limit We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security Account. Your current Credit Limit will be shown on each monthly statement. You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we can still charge you for all Purchases and interest without giving up any of our rights. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so. At our discretion, we may (1) block transactions that would exceed your Credit Limit and (2) change your Credit Limit at any time without advance notice to you. Transaction Limits To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your Account for any reason. Monthly Statements We will electronically send you a monthly statement for any billing period in which there is activity on your Account, or as otherwise required by applicable law. Your monthly statement will show, among other things, (1) the unpaid balance on your Account at the beginning of the billing period (the “Previous Balance”); (2) any Purchases, interest and other debits posted to your Account in that billing period; (3) any payments and credits posted to your Account in that billing period; and (4) the Minimum Payment you must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is set to be available on the 11th of every month with a due date of the 27th of every month). Your credit card statement will be available on-line where you can review and print. Transactions In Foreign Currencies We charge a 2% fee on foreign transactions. If you obtain funds or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (2%) of the U.S. dollar amount of any International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or credited back to your Accounttransfers.

USE OF YOUR CARD. And Account You may use the Your Card to make purchases only for personal, family or household purposes from buy goods and services in any person or establishment accepting the Card (each such transaction, a “Purchase”). The Card does not have a place that It is honored and to get cash advance or balance transfer featureadvances at participating financial institutions. You agree not to use the Your Card only for legal and lawful purposes. The Card may not be used for illegal transactions or including, but not limited to, advances made for the purpose of paying us on this gambling and/or wagering where such practices are in violation of applicable state and/or federal law. SECURITY. Collateral (other than household goods or any dwelling) given as security for any other form loan You may have with Us will secure all amounts You owe Us now and in the future if that status is reflected in the “Truth-in-Lending Disclosure” in any particular Agreement evidencing such debt. LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each Credit Card for which You are approved. Unless You are in default, any Credit Limits established for You will generally be self-replenishing as You make payments (except to the extent that payments credited to your Account may not replenish Your Credit Limit for a period of 10 calendar days following the date such payment is received). You will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We authorize the advances which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any aspect of Your Account is in default. JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a Personal Identification Number (PIN) is requested and approved, You understand that any such account access device(s) will be mailed only to the primary Borrower at the address that We have on file for You. We may refuse to follow any instructions which run counter to this provision. MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date that You repay Your entire balance. You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next schedule payment. All payments to Us must be in lawful money of the United States. Payments made in excess of the Total Minimum Payment Due will be applied to the balance with the highest Annual Percentage Rate and any remaining portion to the other remaining balances in descending order based on the applicable Annual Percentage Rate. Your Payment Due Date will remain the same day of the month and will be at least 25 days from the close of the billing cycle. Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease Your periodic Finance Charges. Minimum Monthly Payments will be an amount equal to 2.50% of Your new unpaid balance at the end of each billing cycle, subject to the lesser of $50.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your approved Credit Limit. You may, by separate agreement, authorize Us to charge Your payment directly to Your savings or checking account. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (new and previous). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases. cash advances, insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then. We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account. VARIABLE RATE: Upon the expiration of any Introductory Rate, all transactions described in the Pricing Document are subject to a Variable Rate that is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the 15th day of each month of each year (‘Index’) plus Our Margin. The Index plus the Margin equals the Interest Rate. An increase or a decrease in the Index will cause a corresponding increase or decrease in Your Variable Interest Rate on the first day of the billing cycle of the month immediately following any such change in the index. An increase in the index means that You will have a higher Interest Rate and have a higher Minimum Payment Due. If the Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, at our sole discretion, substitute another index. Your Interest Rate will never be greater than 24.99% and will apply to Your remaining principal balance. For the applicable Margin, Index, Monthly Periodic Rate and corresponding Annual Percentage Rate, refer to the accompanying Pricing Document that We have enclosed with and made a part of this Agreement. DEFAULT ANNUAL PERCENTAGE RATE. A default APR may be applied to your account if you: 1. Make a late payment; 2. Go over your credit limit twice in a six-month period; 3. Make a payment that is returned; or 4. Do any of the above on another account that you may have with us. If Should any of the above events occur, the Margin, Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to Your entire balance existing at that time and in the future may immediately increase to the levels described in the accompanying Pricing Document that We have enclosed with and made a part of this Agreement. This Penalty Rate will remain in effect until you make each total Minimum Payment Due by its payment due date and do not exceed your credit limit for 6 consecutive billing cycles starting with the first billing cycle after the Penalty Rate is in effect. Once You have made the 6 consecutive payments as described above, We will return your Annual Percentage Rate to its prior margin. FEES AND CHARGES. You will be charged certain fees and charges associated with the use your Card of Your Card. For a complete list of those fees refer to the accompanying Pricing Document that We have enclosed with and made a part of this Agreement. OVERDRAFT PROTECTION. We may transfer funds in multiples of $100 (or in such increments as We may from time to time determine) to Your checking account by an advance on Your VISA Platinum Account, subject to this provision, to clear any Overdraft on Your checking account. Whether or not such transfers occur will be controlled by this Agreement In any event, You hold Us harmless for any such purpose, you will be in default under and all liability which might otherwise arise if the transfer does not occur. Overdraft Protection automatically ceases if this Agreement and we may block such transactions and/or terminate your Accountis ever cancelled or terminated or Your Account is in default. PERIODIC STATEMENT. On a regular basis, but you still You will be liable to us for receive a statement showing all charges relating to such transactions and all other transactions on your Your Account at the time it is closedincluding amounts paid and borrowed since Your last statement. You Promise To Pay You promise to pay us for all amounts charged to the Account, including all purchases and interest charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. Credit Limit We will grant you credit up to mail You a maximum amount (your “Credit Limit”) based on the deposit made to your Security Account. Your current Credit Limit will be shown on statement each monthly statement. You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we can still charge you for all Purchases and interest without giving up any of our rights. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so. At our discretion, we may (1) block transactions that would exceed your Credit Limit and (2) change your Credit Limit at any time without advance notice to you. Transaction Limits To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your Account for any reason. Monthly Statements We will electronically send you a monthly statement for any billing period month in which there is activity a debit or credit balance or when a Finance Charge is imposed. We need not send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act GRACE PERIOD. 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 Accountentire balance by the due date each month. We will begin charging interest on cash advances and balance transfers (balance transfers may be subject to any introductory APR period) on the on the transaction date. CREDITING PAYMENTS TO YOUR ACCOUNT. We will credit payments as of the date received if the payment is: • If by mail, received by 5 p.m. on a normal business day at the address: Nationwide Bank P.O. Box 5708 Hicksville NY 11802 • If in person, received at one of our branches, by 4 p.m. on a normal business day • Paid in U.S. dollars by cash, money order, draft, check or othersimilar instrument in properly negotiable form drawn on a U.S. financial institution, or by electronic fund transfer if Nationwide Bank and the borrower have so agreed. Only your payments sent via mail must be either a check or money order. • Sent in the return envelope with only the remittance portion of your statement included with the payment. (Do not fold the enclosed check or remittance portion. Do not include paper clips, staples, tape or other correspondence or more than one payment in the envelope.) Payments that do not meet these requirements, such as otherwise required by applicable lawpayments erroneously sent to other Nationwide P.O. Boxes addresses, will be credited not more than 5 business days after the date of receipt and finance charges may accrue for the period between receipt and crediting of payments. OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no obligation to honor Your monthly statement will show, among other things, Convenience Checks if: (1) the unpaid balance on your Account at the beginning of the billing period (the “Previous Balance”)by paying a Convenience Check, You would exceed Your Credit Limit; (2) any Purchases, interest and other debits posted to your Account in that billing period; Your Cards or Convenience Checks have been reported lost or stolen: (3) any payments and credits posted to your Your Account in that billing period; and (4) the Minimum Payment you must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is set to be available on the 11th of every month with a due date of the 27th of every month). Your credit card statement will be available on-line where you can review and print. Transactions In Foreign Currencies We charge a 2% fee on foreign transactionshas been cancelled or has expired. If you obtain funds a postdated Convenience Check is paid and, as a result, any other Convenience Check is returned unpaid, We are not responsible for any resulting loss or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (2%) of the U.S. dollar amount of any International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or credited back to your Accountliability.

USE OF YOUR CARD. And Account You may use the Card to make purchases only for personal, family or household purposes from any person or establishment accepting the Card (each such transaction, a “Purchase”). The Card does not have a cash advance or balance transfer feature. You agree to use the Card only for legal and lawful purposes. The Card may not be used for illegal transactions or for the purpose of paying us on this or any other form of credit account you may have with us. If you use your Card for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but you still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed. You Promise To Pay You promise to pay us for all amounts charged to the Account, including all purchases and interest charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them. Credit Limit We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security Account. Your current Credit Limit will be shown on each monthly statement. You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we can still charge you for all Purchases and interest without giving up any of our rights. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so. At our discretion, we may (1) block transactions that would exceed your Credit Limit and (2) change your Credit Limit at any time without advance notice to you. Transaction Limits To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your Account for any reason. Monthly Statements We will electronically send you a monthly statement for any billing period in which there is activity on your Account, or as otherwise required by applicable law. Your monthly statement will show, among other things, (1) the unpaid balance on your Account at the beginning of the billing period (the “Previous Balance”); (2) any Purchases, interest and other debits posted to your Account in that billing period; (3) any payments and credits posted to your Account in that billing period; and (4) the Minimum Payment you must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is set to be available on the 11th of every month with a due date of the 27th of every month). Your credit card statement will be available on-line where you can review and print. Transactions In Foreign Currencies We do not charge a 2% fee on for foreign transactions. Mastercard charges a 1% International Service Fee on international transactions. We do not charge any Fee. If you obtain funds or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (21%) of the U.S. dollar amount of any International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or credited back to your Account.