Common use of Authorized Users Clause in Contracts

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

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

Authorized Users. An Authorized User is a person to whom we have issued a Credit Card on your Account at your request. You can add or remove Authorized Users by contacting us, though we may notify limit the number of Authorized Users on the Account. Authorized Users have the same ability to charge transactions to your Account as you do. However, they have no responsibility to us for any amounts owing for purchases, Cash Advances, fees and interest on the Account. If an Authorized User is responsible to you for any of these amounts, you will need to make your own arrangements with that Authorized User for repayment. It is your responsibility to ensure that each Authorized User receives a copy of this Agreement and any replacements or amendments to this Agreement, as well as any notices that affect the use of a request to add authorized user(s) and/or issue Cards to additional users. You cannot limit the amount of authority you give to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Credit Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you We may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. provide Authorized users may have the same Users with access to information about their transactions on your Account, the credit limit of your Account and its users as the Account holder(s)amount of credit available to them on your Account. We You may send Account materials assign individual card limits (statements, cards and noticesup to your current credit limit) to each Authorized User. The card limit is the maximum amount that can be charged to an Authorized User Card each month. This option is not available for all Credit Card types and is subject to additional terms we set out when you enroll. By signing, using or activating a Credit Card in his or her name, an Authorized User agrees to be bound by all of the terms and conditions of this Agreement except that an Authorized User will not be responsible to us for the payment of any liable partyamounts owing in respect of purchases, Cash Advances, fees or interest on the Account. Without limiting the general obligation of an Authorized User to comply with this Agreement, an Authorized User agrees, among other things, that: ■ The Credit Card issued to him or her will not be used if it has expired; ■ The Credit Card issued to him or her is for his or her use exclusively and that person will not be used nor will his or her use be directed by any other person; ■ The Credit Card issued to him or her will not be used for any illegal, improper or unlawful purpose; ■ All security requirements including those designed to protect PINs or other security codes will be responsible for delivering those materials complied with; ■ The Authorized User will report to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN he or other credit device is she suspects that his or her Credit Card has been lost or stolen. You must also notify us if you think someone used or may In addition, the Authorized User agrees to permit the collection, use them without your permission. You may contact us by calling and disclosure of personal information as set out in the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized useProtecting Your Privacy” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside section of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.

Authorized Users. You may notify us designate Authorized Users of a request to add authorized user(s) and/or issue Cards to additional users. You cannot limit the amount of authority you give to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible request Cards for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permissionAuthorized Users. You may contact us by calling set a maximum amount of credit (in an amount less than the telephone number on Credit Limit) as a spending limit assigned to the back Card for an Authorized User; provided that the maximum amount of your Card or on your billing statement or by writing credit you set for each Authorized User may not, in the aggregate, exceed the Credit Limit. In addition, the aggregate outstanding balance for the Account may not exceed the Credit Limit, without regard to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writingany maximum amount of credit established for each Authorized User. You will not be liable are responsible for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card the Account by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting dateAuthorized User. You may close request to have an Authorized User removed from your Account by notifying us in writing or over the phone. If you have a joint Account, and we will honor a request by any Cardholder use reasonable efforts to close the Accountdeactivate such user’s Card promptly upon your request. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closedHowever, you are responsible for collecting and destroying any Cards that the Authorized User has in their possession. Your request to remove an Authorized User will not be able to obtain additional Account credit, except that under certain circumstances if relieve you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, responsibility for the full amount owed charges the authorized user has made on your Account. Your obligation Authorized Users are permitted to pay use the card issued to them under the Account, make payments on the Account, report their Card as lost/stolen, confirm a fraudulent transaction on their Card, and initiate a dispute on the Account balance continues even though for transactions posted on their Card. Additionally, each Authorized User may: obtain basic card Account information (including information such as spending limit available for their Card, Payment Due Date, etc.). Under no circumstances will an agreement, divorce decree, court judgment, Authorized User be permitted to: discuss your credit information; close or other document to which we are not a party may direct another person responsible to pay reopen the Account. Every time you use your ; obtain assistance in registering/accessing our website; or request the following: name changes; Credit Limit changes; replacement Cards; the addition of Authorized Users; or removal of a cardholder (except that an Authorized User will be permitted to remove themselves as an Authorized User on the Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account).

Authorized Users. You may notify request us to issue a Card to any other person(s) to allow such person(s) to access your Account or may otherwise permit another person to have access to your Account (“Authorized User”). Authorized Users must be at least 18 years of age. There is a limit of 1 Authorized Users that can be added to an Account. We reserve the right to refuse to issue any additional Card. We may also require additional information about each Authorized User and may limit their use of the Card. Each Authorized User may have access to certain information about your Account, and you authorize us to disclose information about your Account to each Authorized User. The Authorized User cannot request or make changes to add authorized user(s) and/or issue Cards to additional usersthe Account (e.g., request Credit Limit increases or change the billing address). You canwill be responsible for the Authorized User’s use of your Account, including activity made by anyone else the Authorized User permits to use your Account, even if you have not limit the amount of authority you give authorized that person to any authorized user. An authorized user’s authority will continue until you notify us use your Account, or that you are terminating person exceeds the authority and given to them. If you physically retrieve the Card or other credit device. Except by asking us an Authorized User permits another person to add an authorized user have access to your Account, you agree are liable for all transactions made with the Card or Account, and all interest and fees incurred, by such person, even if they are not to allow access to your Cardan Authorized User. For the avoidance of doubt, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to must pay us for all charges made by Authorized Users and any other person permitted to use or access your Card, Account number, or other credit device, you will be liable for any and all transactions made by that personAccount, including transactions charges for which you may not have intended to be liableresponsible. If you want to revoke permission for an Authorized User to use your Account you must: (1) notify us of your request by calling us at (000) 000-0000; and (2) immediately recover and destroy any Card issued to or in the possession of the Authorized User. If you do not, to the extent permitted by law, you will continue to be liable for any charges made, even if you have advised us to cancel the amount of those transactions causes a credit limit to be exceededprivileges, unless you tell us to cancel all Cards and except as expressly required establish a new Account for you. Until we have received your notification of such a revocation (cancellation) made in accordance with this section, and we have had a reasonable time to act upon it, you are responsible for all Account activity made by you or any Authorized User, including any interest and fees applicable lawto such activity. Authorized users Users may have the same access to information about the remove themselves from your Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone toll-free number on the back of your Card or on your billing statement or by writing to us at the address listed on your statementCard. When you contact usIf an Authorized User is removed from the Account, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use close that occurs after you notify us. You mayAccount, howevercancel all Cards, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of and set up a Card by new Account with a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the different Account number and Card, and from which the Cardholder received no benefit. If you allow someone to use and/or keep your Card or make changes to Account open, cancel any Cards associated with your Account, and issue you can terminate this user’s authority by retrieving the a new Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting datedifferent Card number. You may close not have access to your Account by notifying us in writing or over the phone. If until you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close receive and activate your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountreplacement Card.

Authorized Users. You Client that obtains Services for commercial purposes shall designate one or more individuals who are permitted to use the Service on behalf of the Client (“Authorized User”). We may notify us also require you to designate one Authorized User as the Primary Administrator who may act as an Authorized User with the power to make and sign all agreements and deliver all documents in connection with the Services on behalf of the Client, determine which features of the Service will be available to the Client and Authorized Users, impose limitations on the Client’s and Authorized User’s use of the Service, designate and remove other Authorized Users, define the roles and permissions of other Authorized Users, and delegate his or her authority to another Authorized User. Unless you otherwise specify, we may deem the Client’s authorized representative who initially requested to use the Service or a request feature thereof as a Primary Administrator. Except as otherwise agreed by the Bank or as set forth in the settings applicable to add authorized user(s) and/or issue Cards to additional users. You cannot limit your use of the amount of authority you give Account or Service, your Primary Administrator and the Authorized User(s), will have access to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating Account designated for use with the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liableServices, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who Agreement does not have actual, implied name such a person as an authorized signer or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside user of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close do not control access by any of your Account Authorized User(s) or suspend Account privileges at Primary Administrators to any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, Service except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance as expressly set forth in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay require your Primary Administrator and any Authorized User(s) to comply with all provisions of this Agreement and all other applicable agreements, and you guarantee that they will do so. You acknowledge and agree that you are fully and solely responsible for the failure of your Primary Administrator or any Authorized User(s) to so comply. You are responsible for any payment, transfer and other Services and charges initiated or incurred by your Primary Administrator and any Authorized User(s), whether or not actually authorized by the Client. The Bank reserves the right to require the Primary Administrator to be an authorized signer on the Account(s). Notwithstanding the foregoing, you understand that the Primary Administrator and each Authorized User may utilize the Services without regard to any restrictions otherwise applicable to an Account, or whether such Authorized User is an authorized signer on an Account. If the Account is a consumer account for an individual Client, the Client shall be deemed the Primary Administrator and the sole Authorized User unless Client notifies us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to add additional Authorized User(s) to the extent permitted under applicable lawAccount, attorneys fees and collection costs we incur to enforce this Agreement against youhave approved such additional Authorized Users. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we Joint accounts are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountpermitted without our prior approval.

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

Authorized Users. You may notify request us to issue a Card to any other person(s) to allow such person(s) to access your Account or may otherwise permit another person to have access to your Account (“Authorized User”). We reserve the right to refuse to issue any additional Card. We may also require additional information about each Authorized User and may limit their use of a request the Card. Each Authorized User will have access to add authorized user(s) and/or issue Cards certain information about your Account, and you authorize us to additional usersdisclose information about your Account to each Authorized User. You canwill be responsible for the Authorized User’s use of your Account, including activity made by anyone else the Authorized User permits to use your Account, even if you have not limit the amount of authority you give authorized that person to any authorized user. An authorized user’s authority will continue until you notify us use your Account, or that you are terminating person exceeds the authority and given to them. If you physically retrieve the Card or other credit device. Except by asking us an Authorized User permits another person to add an authorized user have access to your Account, you agree are liable for all transactions made with the Card or Account, and all interest and fees incurred, by such person, even if they are not to allow access to your Cardan Authorized User. For the avoidance of doubt, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to must pay us for all charges made by Authorized Users and any other person permitted to use or access your Card, Account number, or other credit device, you will be liable for any and all transactions made by that personAccount, including transactions charges for which you may not have intended to be liableresponsible. If you want to revoke permission for an Authorized User to use your Account you must: (1) notify us of your request by calling us at (000) 000-0000; and (2) immediately recover and destroy any Card issued to or in the possession of the Authorized User. If you do not, you will continue to be liable for any charges made, even if you have advised us to cancel the amount of those transactions causes a credit limit to be exceededprivileges, unless you tell us to cancel all Cards and except as expressly required establish a new Account for you. Until we have received your notification of such a revocation (cancelation) made in accordance with this section, and we have had a reasonable time to act upon it, you are responsible for all Account activity made by you or any Authorized User, including any interest and fees applicable lawto such activity. Authorized users Users may have the same access to information about the remove themselves from your Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone toll-free number on the back of your Card or on your billing statement or by writing to us at the address listed on your statementCard. When you contact usIf an Authorized User is removed from the Account, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use close that occurs after you notify us. You mayAccount, howevercancel all Cards, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of and set up a Card by new Account with a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the different Account number and Card, and from which the Cardholder received no benefit. If you allow someone to use and/or keep your Card or make changes to Account open, cancel any Cards associated with your Account, and issue you can terminate this user’s authority by retrieving the a new Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting datedifferent Card number. You may close not have access to your Account by notifying us in writing or over the phone. If until you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close receive and activate your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountreplacement Card.

Authorized Users. You may notify us of a request The undersigned acknowledges and agrees to add authorized user(s) and/or issue Cards to additional users. You cannot limit the amount of authority you give to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN personal identification number to anyone else for purposes of using your Card, or accessing the account associated therewith. If the undersigned desires to grant another person or persons rights to use your Accounta Card associated with the undersigned Company’s account, the undersigned shall request approval of same from Issuer, which may issue a Card to grant to another person to access the account associated with the undersigned Issuer. If you giveprovide access to your Card or Account information to another person in breach of this provision, lend, or otherwise make available to any other person your Card, Account number, or other credit device, the undersigned acknowledges and agrees that you will be solely liable for any and all transactions charges made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, such other person (unless and except as expressly required or permitted by applicable law). Authorized users The Company may have set a maximum amount of credit (in an amount less than the same access Company’s credit limit) as a spending limit assigned to information about the Card for a Cardholder; provided that the maximum amount of credit that the Company sets for each Cardholder may not, in the aggregate exceed the Company’s credit limit. The aggregate outstanding balance for the Account and its users as may not exceed the Account holder(s). We may send Account materials (statementsCompany’s credit limit, cards and notices) without regard to any liable party, and that person will maximum amount of credit established for each Cardholder. The Company agrees to be responsible for delivering those materials all Account transactions made by any Cardholder. The Company further agrees to be responsible for all Account transactions made by any other person whom the Company has authorized to use a Card either by way of: (a) requesting Issuer to issue a Card to grant Account access to such other liable parties person; or by (b) lending your Card to, or allowing Account access by, another person; or by (c) any other way in which you are be deemed to have allowed another person to use your Account or which you are stopped from denying that you did so. Be cautious when allowing another person to become an Authorized User of your Account; once you allow authority to any Authorized User you cannot limit that authority unless the Account is closed to future transactions. The Company may request to have a Cardholder removed from an Account and authorized usersthe Bank will use reasonable efforts to deactivate each Cardholder’s Card promptly upon the Company’s request. You must contact us promptly if However, the Company is responsible for collecting and destroying any Card, Account number, PIN or other credit device is lost or stolenCards that the Cardholder has in their possession. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling The Company’s request to remove a Cardholder will not relieve the telephone number Company of responsibility for the charges the Cardholder made on the back of your Card or on your billing statement or by writing to us at Account. Cardholders do not have individual accounts with Bank under the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes terms of this Agreement, “unauthorized use” means the use of a Card but they may be granted access, with authorization approved by a personCompany, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Company’s Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder subject to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account This Agreement does not alter or amend the terms of accounts Cardholders may have with the Bank. Company is closed, you must destroy and/or return each Card to us upon request. You agree to pay us responsible for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one use of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, by Cardholders and anyone they authorize to use or other document to which we are not a party may direct another person responsible to pay access the Account. Every time you Company must pay for all charges on the account whether they were made by the Company or by a Cardholder authorized by the Company. Company must share this agreement with all Cardholders. Company must notify Cardholders of the following: (i) Bank may obtain, provide, and use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.information about them

Authorized Users. Upon your request, DCU may permit you to add Authorized Users to your Visa Account, subject to DCU’s approval and a maximum number of Authorized Users set by DCU. Requests to add an Authorized User must be in writing, and we may require certain information, documentation, and identification prior to adding an Authorized User to your Visa Account. We may limit the ability of Authorized User(s) to use your Card. By adding an Authorized User, you authorize the person to use your Visa Account to the same extent you can, including but not limited to making any Purchases, Balance Transfers, Cash Advances, and allowing others to use your Visa Account. You may are responsible for any use of your Visa Account by an Authorized User or anyone else that you or an Authorized User permit to use your Visa Account, including, but not limited to, all amounts charged, interest charges, and fees. If you want to remove an Authorized User from your Visa Account, you must notify us of a and request to add authorized user(s) and/or issue Cards to additional userstheir removal in writing. You cannot limit also are responsible for physically retrieving any Card, Access Check, or other means of accessing your Visa Account from an Authorized User being terminated, and the amount of authority you give to any authorized user. An authorized userAuthorized User’s authority to use your Visa Account will continue until you notify us that you are terminating the authority and you physically retrieve the Card Authorized User’s Card, Access Check, or other credit devicemeans of accessing your Visa Account. Except by asking us to add To remove an authorized user to Authorized User from your Visa Account, you agree not to allow we may close your existing Visa Account and issue a new Card with a new Visa Account number. Additionally, an Authorized User may have access to your Card, Visa Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that personinformation, including transactions for which you payment and transaction history. DCU may not have intended report information on Authorized Users to be liablecredit bureaus, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided set forth in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.

Authorized Users. You may notify request us to issue a Card to any other person(s) to allow such person(s) to access your Account or may otherwise permit another person to have access to your Account (“Authorized User”). We reserve the right to refuse to issue any additional Card. We may also require additional information about each Authorized User and may limit their use of a request the Card. Each Authorized User will have access to add authorized user(s) and/or issue Cards certain information about your Account, and you authorize us to additional usersdisclose information about your Account to each Authorized User. You canwill be responsible for the Authorized User’s use of your Account, including activity made by anyone else the Authorized User permits to use your Account, even if you have not limit the amount of authority you give authorized that person to any authorized user. An authorized user’s authority will continue until you notify us use your Account, or that you are terminating person exceeds the authority and given to them. If you physically retrieve the Card or other credit device. Except by asking us an Authorized User permits another person to add an authorized user have access to your Account, you agree are liable for all transactions made with the Card or Account, and all interest and fees incurred, by such person, even if they are not to allow access to your Cardan Authorized User. For the avoidance of doubt, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to must pay us for all charges made by Authorized Users and any other person permitted to use or access your Card, Account number, or other credit device, you will be liable for any and all transactions made by that personAccount, including transactions charges for which you may not have intended to be liableresponsible. If you want to revoke permission for an Authorized User to use your Account you must: (1) notify us of your request by calling us at (000) 000-0000; and (2) immediately recover and destroy any Card issued to or in the possession of the Authorized User. If you do not, you will continue to be liable for any charges made, even if you have advised us to cancel the amount of those transactions causes a credit limit to be exceededprivileges, unless you tell us to cancel all Cards and except as expressly required establish a new Account for you. Until we have received your notification of such a revocation (cancellation) made in accordance with this section, and we have had a reasonable time to act upon it, you are responsible for all Account activity made by you or any Authorized User, including any interest and fees applicable lawto such activity. Authorized users Users may have the same access to information about the remove themselves from your Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone toll-free number on the back of your Card or on your billing statement or by writing to us at the address listed on your statementCard. When you contact usIf an Authorized User is removed from the Account, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use close that occurs after you notify us. You mayAccount, howevercancel all Cards, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of and set up a Card by new Account with a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the different Account number and Card, and from which the Cardholder received no benefit. If you allow someone to use and/or keep your Card or make changes to Account open, cancel any Cards associated with your Account, and issue you can terminate this user’s authority by retrieving the a new Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting datedifferent Card number. You may close not have access to your Account by notifying us in writing or over the phone. If until you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close receive and activate your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountreplacement Card.

Authorized Users. You may notify us of a request to add authorized user(s) and/or issue Cards to an additional usersCard for another person. You cannot limit the amount of authority may also permit another person to have access to your Card or Card number. However, if you give to any authorized user. An authorized user’s authority will continue until you notify us that do, you are terminating the authority and you physically retrieve liable for all transactions made with the Card or other credit deviceCard number by those persons. Except by asking You must notify us to add an authorized user revoke permission for any person you previously authorised to use your Account, Card. You are responsible for all transactions and fees incurred by you agree not or any other person you have authorised. If you tell us to allow access to revoke another person’s use of your Card, Account we may revoke your Card and issue a new Card with a different number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be You are wholly responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a each Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority according to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. Each Cardholder and visitor to the (bank specific website address linked to GTP) site agrees to these terms and conditions, as amended from time to time. If your Account is closedyou do not agree to these terms and conditions, please do not use or […] the Card. In order to become a cardholder, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees be an individual who can lawfully enter into and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted form contracts under applicable law. By participating in the Card program, attorneys fees you warrant the accuracy of the factual information you submitted to us, including, but not limited to, your real name, government ID, valid mailing address and collection costs we incur to enforce this Agreement against youresidential address (if different), date of birth, and telephone number. This is the case even if your Account is only used by one of youIf you falsify, misrepresent, or is used by someone authorized by only one of youfail to provide requested information, we may cancel your Card. Personal Identification Number: We may, at our option, give you a Personal Identification Number (“PIN”). If there is more than one Cardholderwe give you a PIN, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your AccountCard, you represent (i) to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.obtain cash from any Automated Teller Machine (“ATM”) or

Authorized Users. You must appoint one or more Authorized Users (even if you have a sole officer who is signing this Agreement in the capacity of an officer). An Authorized User may notify have unlimited authority to give us Instructions on your behalf or you may specify the stages of a request Transaction they are authorized to add authorized user(s) and/or issue Cards to additional usersundertake. You cannot limit We will rely on Instructions received by the amount of individual/s appointed by you as Authorized Users in this Agreement until such time as you revoke or vary that authority you give to any authorized user. An authorized user’s authority will continue until you notify by giving us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account48 hours’ notice in writing. If you givewish to add or change the Authorized Users must notify us in writing. No Obligation to Accept Instructions or Process Transactions. While we will always attempt to comply with your Instructions, lendthere may be circum- stances in which we are unable to do so. Therefore, or otherwise make available we reserve the right to reject your Instructions at any other person your Cardtime, Account number, or other credit device, you will be liable without providing any explanation and without incurring any liability for any and all transactions made losses or damages that may be incurred by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable lawor any third party. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized usersTransaction Binding. You must contact us promptly if any Cardcan initiate a Transaction by submitting Instruc- tions online, Account number, PIN by telephone or other credit device is lost or stolenby email. You must also notify us if The Transaction will become legally binding on you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back upon our receipt of your Card or on Instructions, subject to your billing statement or by writing right to us at the address listed on your statementcancel a Transaction as set forth below. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefitOnline Booking Confirmation. If you allow someone to use book a Transaction online, the Trans- action will become legally binding as soon as we receive your Card or make changes to your Accountelectronic Instruction, after which we will send you can terminate this user’s authority a Deal Confirmation by retrieving email, confirming the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign countrydetails. If you make a Foreign Transactiondo not contact us within 24 hours of receipt of the Deal Confirmation to correct any errors therein, we will assess the Foreign Transaction Fee listed Trans- action details in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency the Deal Confirmation will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountdeemed correct.

Authorized Users. You acknowledge that anyone possessing Security Credentials may notify us of a request to add authorized user(s) access and use the Services and/or issue Cards to additional usersyour Account(s). You cannot limit agree to provide Security Credentials only to Authorized Users. You bear sole responsibility for establishing, maintaining, implementing and updating policies, procedures, equipment and software that ensure the amount security and integrity of authority you give your computer systems and information, protect them from any unauthorized use, intrusion, takeover or theft, and prevent your Security Credentials from any unauthorized discovery or use. You bear all risk of fraudulent transfers and other losses or disclosures arising from the unauthorized use of the Services or from the interception of your communications prior to any their receipt by us. You agree that we are authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority to execute, and you physically retrieve the Card or other credit device. Except by asking it is commercially reasonable for us to add an authorized user to execute, any instruction received by us with your AccountSecurity Credentials. Upon our consent, you agree not may designate a security administrator to allow access to your Card, Account number, or PIN to anyone else to whom we may distribute Security Credentials and with whom we may otherwise communicate regarding the use your Accountof Security Credentials and other Security Procedures. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person Your security administrator will be responsible for delivering those materials distributing, setting and establishing Security Credentials to and for your Authorized Users, for ensuring the other liable parties proper implementation and authorized usersuse of the Security Credentials by your Authorized Users, and for establishing the scope of authority with respect to use of the Services by your Authorized Users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also agree to notify us if you think someone used or may use them without your permission. You may contact us immediately by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on number provided in Section VII of this Agreement if you believe that any Security Credentials have been stolen, compromised, or otherwise become known to persons other than Authorized Users (including persons whose authority as Authorized Users or security administrators has been revoked). You agree that we shall have a reasonable opportunity to act upon any such notification from you. Commingling of Account Information. In the event that you have requested and we have agreed to link your statementpersonal consumer Account with a commercial Account to a single online banking user profile, you (as an individual and as an authorized representative of the business entity) acknowledge that any Authorized User of the Services will have access to information related to all Accounts. When You understand and acknowledge that you contact usare responsible for and consent to the access or actions of any user through the Services, and you agree that we may require act on any instructions or directions given through the use of the Service on all Accounts. To the greatest extent permitted by law, you (individually and on behalf of the business entity) release and forever discharge us from any and all claims, debts, liability, damages, loses and causes of action, of every kind and nature whatsoever, whether known or unknown, suspected or unexpected, as a result of or related to provide information the having Consumer Account and a Commercial Account linked to help in our investigationa single online banking user. We may require you to provide this information in writingExamining Records and Reporting Errors. You will not be liable for agree to examine your Account statements promptly and to routinely review transaction and account activity available through the Services, and you agree to notify us immediately of any unauthorized use that occurs after you notify usdiscrepancies or unauthorized, duplicate or erroneous transactions or activity. You mayshould notify us of such matters by contacting us as provided in Section VII of this Agreement or as otherwise provided with respect to the particular Services. Without limiting the other terms, howeverconditions, be liable for unauthorized use that occurs before your notice to us. In any caselimitations, your liability will not exceed $50. For purposes and provisions of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied you agree that you shall be precluded from asserting any claim whatsoever against us with respect to any Service transaction or apparent authority to use the Card, and from which the Cardholder received no benefit. If activity unless you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made notify us in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on writing that the transaction or posting dateactivity was unauthorized, duplicate or erroneous within thirty (30) calendar days after we send or make available to you a notice through the Service or periodic statement reasonably identifying that transaction or activity. You may close acknowledge that this provision shortens the period within which you are required to give us notice of an unauthorized, duplicate or erroneous payment order under Article 4A of the Uniform Commercial Code, as enacted in the applicable jurisdiction, and you expressly agree to be bound by that shortened period to the maximum extent permitted by law. Organizational Authority. You represent and warrant to us that your Account acceptance and performance of this Agreement, and the execution of any Service transactions and activity by notifying us in writing you or over on your behalf, are within your organizational power and have been duly authorized by all necessary organizational action. You further represent and warrant that the phone. If you have a joint Account, we will honor a request by person who accepts this Agreement on your behalf and any Cardholder to close the Account. We may also close your Account or suspend Account privileges person who at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.initiates any

Authorized Users. You The Administrator may notify us of a request designate other persons, either Signers or non-Signers, to add be Authorized Users. Such Authorized Users will have authority to gain access to the Services and review your Accounts and perform transactions, as defined by the Administrator. Such Authorized Users shall be given their own Login Credentials. Any direction, instruction, order, acceptance, approval, payment, or other such command delivered by (or we in good faith believe was delivered by) such Authorized User shall be deemed authorized user(s) and/or issue Cards to additional users. You cannot limit the amount of authority you give and accepted by you, subject to any authorized user. An authorized userlimitations of such Authorized User’s authority will continue until levels. From time to time, you notify us that you are terminating the authority and you physically retrieve the Card or other credit devicemay change Authorized Users. Except by asking us to add an authorized user to your AccountHowever, you agree that we may rely on the information previously supplied by you until we receive written notice of any change and properly communicated and authorized. We reserve the right to prescribe the method and form by which you communicate such notification. In emergency situations, deletion of Authorized Users may, in our sole discretion, be accepted by telephone, fax, and confirmed in writing by your duly authorized account signers. Any notice of change with regard to such matters will not be in effect until: (i) expressly accepted by us in writing, and (ii) after we have had a reasonable time to allow access effectuate such change(s). Unauthorized Use. Any transaction initiated by an Authorized User or Administrator is deemed on your behalf and accepted by you and you shall be held responsible until such time we have been notified, in writing, that such authority has been revoked or cancelled. We may rely upon and act in accordance with any communication received by us purporting to be a communication by an Administrator or Authorized User on your Cardbehalf, Account number, without inquiring as to the source of such transmission or PIN identity of such person. You agree to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable responsible for any and all transactions made by that personany person using an Administrator’s or Authorized User’s Login Credentials, including regardless of whether such transaction was authorized and shall discharge and release us from all liability resulting from our execution of transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceededinitiated, unless and except as expressly required by applicable law. Authorized users may until you have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact notified us, we may require you according to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify notification procedures prescribed by us. You may, howeverof revocation of such Authorized User or Administrator authority levels, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use or of a Card by security compromise or security breach and we have had a person, other than a Cardholder, who does not have actual, implied or apparent authority reasonable opportunity to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account act upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountsuch notice.

Authorized Users. You An owner of an individual account, and all of the owners together on a joint account, may notify us of designate a request person or persons to add authorized user(s) and/or issue Cards conduct transactions or gain information on the account. We will require you to additional users. You cannot limit provide information about the amount of authority you give to any authorized user. An authorized user only has rights to conduct transactions or request information on the account as specified, and has no ownership or survivorship rights in the account. The authorized user may not make changes to or close the account. Once you have designated an authorized user(s), it is your responsibility to monitor the authorized user’s transactions on the account. We have no duty or responsibility to monitor, inquire about, or notify you of the use and purpose of any transaction conducted by your authorized user, or to assure that any transaction is for your benefit. The authorized user’s authority to conduct transactions will continue until we receive written notice that you have terminated the authorized user’s authority or until we receive written notice of your death and have a reasonable opportunity to act on that notice. If you wish to terminate an authorized user’s authority conduct transactions on the account, you must notify us that you are terminating the authority and you physically retrieve the Card or other credit devicein writing. Except by asking us We have no duty to add prevent an authorized user from conducting transactions on the account until you have made this change. POD Beneficiaries. A Payable on Death (POD) designation is an Accounts for Minors. For any account established by or for a minor, the Credit Union reserves the right to your Accountrequire the minor account owner have a parental joint account owner or custodian who is at least eighteen (18) years of age who shall be jointly and severally liable to the Credit Union for any returned item, you agree not to allow access to your Card, Account numberoverdraft, or PIN unpaid charges or amounts on such account. For a joint account, all funds in the account shall be owned as a joint account with rights of survivorship unless otherwise indicated on the Membership Application. The Credit Union may make payments of funds directly to anyone else the minor without regard to use your Accounthis or her minority. If you giveUnless a parent or guardian is a joint account owner, lend, the parent or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may guardian shall not have intended any right to access the account. The Credit Union has no duty to inquire of the use or purpose of any transaction by the minor or joint account owner. The minor account owner’s tax identification number must be liable, even if shown on the amount of those transactions causes a credit limit to be exceededMembership Application. The Credit Union shall not change the account status when the minor reaches age eighteen (18), unless and except as expressly required authorized in writing by applicable lawall account owners. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized userFiduciary Accounts. A Foreign Transaction fiduciary account is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted an account opened by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.an

Authorized Users. You may notify us be given the ability to designate individuals (“Authorized Users”) who you authorize to access your Account and/or conduct transactions through your Account, and such designation right includes the responsibility to determine the scope of a request to add authorized user(s) and/or issue Cards to additional users. You cannot limit rights and capabilities that the amount of authority you give to any authorized user. An authorized user’s authority individual will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user have with respect to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact ushave consented to adding an Authorized User, you understand that any transaction authorization, instruction or any other action concerning your Account that your Authorized User engages in will be deemed authorized by you and valid and we may require are under no obligation to investigate the authorization, instruction or activity. You also agree that you to provide information to help in our investigationwill not hold us liable for acting upon any such authorization, instruction or activity. We may require you reserve the right to provide this information in writing. You will not be liable terminate your Authorized User’s access to the Account for any unauthorized use that occurs after reason and without advance notice. We will continue to treat all actions taken by your Authorized User as authorized by you notify us. You may, however, be liable for unauthorized use that occurs before your notice until you revoke the Authorized User’s access to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us by email at xxxxxxx@xxxxxxxxxx.xxx or through the Online Banking Services. For Joint Accounts, either accountholder may add an Authorized User to such Account and/or may revoke an Authorized User’s access even if the other accountholder added the Authorized User. Until we have been properly notified at least 21 days in writing of any change in such authorization and we have had a reasonable period of time to act upon such notice, we may pay, apply, or over the phone. If you have a joint otherwise honor and charge your Account, we will honor a request without inquiry, without limit as to amount, and without regard to the application of the proceeds thereof all orders for payment or transfer of money for whatever purpose. You must notify us immediately by email at xxxxxxx@xxxxxxxxxx.xxx of any Cardholder to close change in the Accountstatus of any Authorized User. We may also close your Account or suspend Account privileges at ask you to give us additional documentation. No action taken by us before we receive proper notification in writing of any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to such change and have the ability had a reasonable period of time to repay your Account obligations. We rely on this representation every time you use your Accountact upon such notice will be affected by any such notice.

Authorized Users. You may notify us of a request be given the ability to add authorized user(sdesignate individuals (“Authorized Users”) whom you authorize to access your Account and/or issue Cards to additional users. You cannot limit the amount of authority you give to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use conduct transactions through your Account. If so, you give, lend, or otherwise make available are responsible for determining the scope of rights and capabilities that the Authorized User will have with respect to any other your Account and to establish appropriate controls to ensure the Authorized User’s activities remain within the authorized scope. If you permit another person to have access to your Card, Account number, debit card number, PIN, Online Banking credentials (including passwords), or other credit deviceAccount information, we will treat this as if you have authorized such person to Access your account, and you will be liable for any and all transactions made and fees incurred by that such person, including transactions for which you may not have intended to be liable, even if they exceed the amount authorization granted. By adding an Authorized User, you understand that any transaction authorization, instruction, or any other action concerning your Account that your Authorized User engages in will be deemed authorized by you and valid, even if it exceeds the authorization you granted, and we are under no obligation to investigate the authorization, instruction, or activity. You agree that you are responsible for all authorized transactions initiated and fees incurred by use of those transactions causes a credit limit any of your Account. Transactions will be considered unauthorized only after you notify us that the person is no longer authorized to be exceeded, unless and except use the Account as expressly required described below. To the fullest extent permitted by applicable law, you hereby waive demand, presentment, protest, notice of protest or dishonor, and all other notices relating to any instrument made, drawn, or endorsed in your name, when such instrument is signed, accepted, or endorsed by an Authorized User, and agree that you will not hold us liable for acting upon any such authorization, instruction, or activity. We reserve the right to terminate any Authorized users may have the same User’s access to information about the Account for any reason and without advance notice. We may ask you to provide additional documentation evidencing an Authorized User’s authority to take actions with respect to the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) you agree to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized usersprovide such information promptly upon request. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling immediately of any change in the telephone number on the back status of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigationany Authorized User. We may require will continue to treat all actions taken by an Authorized User as authorized by you until you revoke the Authorized User’s access to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us using the contact information in the “How to Contact Us” section of the Disclosures. Until we have been properly notified in writing or over the phone. If you of any change in such authorization and we have had a joint Accountreasonable period of time to act upon such notice, we will may pay, apply, or otherwise honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close charge your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closedwithout inquiry, you must destroy and/or return each Card without limit as to us upon request. You agree to pay us for all Purchasesamount, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, without regard to the extent permitted under applicable law, attorneys fees and collection costs application of the proceeds thereof all orders for payment or transfer of money for whatever purpose. No action taken by us before we incur to enforce this Agreement against you. This is the case even if your Account is only used by one receive proper notification in writing of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to any such change and have the ability had a reasonable period of time to repay your Account obligations. We rely on this representation every time you use your Accountact upon such notice will be affected by any such notice.

Authorized Users. You may notify us designate a number of a request Authorised Users as administrators for the purpose of managing the platform, receiving support and making changes to add authorized user(s) and/or issue Cards to additional usersyour account. You cannot limit are responsible for managing your Authorised Users and keeping them up-to-date. You authorize us to provide all applicable support and account information to your Authorised Users and to make modifications to the amount Services at their direction. You will require your Authorised Users to abide by the terms of authority the Agreement, and you give to any authorized user. An authorized user’s authority will continue until you notify us acknowledge and agree that you are terminating fully responsible for the authority actions and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to omissions of your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account numberAuthorised Users and for all costs, or other credit deviceliabilities incurred through your account except to the sole extent that any such use or liability is the result of our breach of the Agreement. An Authorised User, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended make changes to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable partyServices, and that person will be responsible for delivering those materials you agree to the other liable parties and authorized userspay any Fees associated with such changes. You must contact us shall promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if in the event that you think someone used become aware of any violation of the terms of the Agreement or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United Statesaccounts of you or your Authorised Users. Foreign Transactions include, for example, online transactions made Invoicing You agree to pay the Fees beginning on the Effective Date and according to the payment terms set out in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon requestOrder. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed taxes (excluding taxes on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to our income) which we are required to collect unless you provide us with a valid tax exemption certificate. If you elect to make any payment via wire or credit transfer, then you are responsible for any applicable transfer fees. Any applicable overages, taxes, or transfer fees will be added to the Fees. Fees are payable in the currency specified in the Order and are not a party may direct another person responsible refundable except as expressly stated herein. You agree to pay the Account. Every time you use your Account, you represent to us that you intend to issue and have the ability to repay your Account obligationsacceptance of invoices in electronic format. We rely on this representation every time will invoice you use immediately upon execution of the Order. Invoices will be sent to the billing contact you designate and are due 30 days from your Accountreceipt of the applicable invoice. If you fail to make payment your account may be suspended until such details are provided.

Authorized Users. You are permitted to authorize others to use your account. If you ask us to issue a card to another person(s), they are an Authorized User. You may notify us of add up to 3 Authorized Users to your account at no extra charge. We may require certain information about them and they may be reported to the credit bureau as an Authorized User. Each Authorized User will receive a request credit card with his or her individual name embossed. We may limit their ability to add authorized user(s) and/or issue Cards use your Card. They may have access to additional userscertain information about your Account and may have the ability to access and make changes to your online account. You cannot limit the amount of authority agree to be responsible for all Account transactions made by an Authorized User, or anyone you give to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow they have granted access to your Card, Card or Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceededinformation, unless and except as expressly required by applicable law. Authorized users may have the same You are liable when you: (a) ask us to issue a Card to grant Account access to information about the an Authorized User; (b) lend your Card to or allow Account and its users as the access by another person; or (c) any other way in which you would be legally considered to have allowed another person to use your Account holder(s)or to be legally prevented from denying that you did so. We may send Account materials (statements, cards and notices) Be cautious when allowing another person to any liable party, and that person will be responsible for delivering those materials become an Authorized User or have access to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close want to remove an Authorized User from your Account, you must still repay the total balance in accordance with the terms of this Agreementcontact Customer Service and request their removal. If We may request written verification from you regarding any change or cancellation to your Account is closed, you must destroy and/or return each Card to us upon requestaccount. You agree to pay us for must also immediately destroy all Purchases, Advances, Balance Transfers, interest charges, Account fees Cards in their possession and charges, cancel any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed arrangements they may have set up on your Account. Your They will be able to use your Account until you have notified us that you are removing them from your account. During this time, you will still be responsible for all amounts they charge to your Account. You will be responsible even if these amounts do not appear on your Account until later. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove them from your Account for any reason. To remove them from your Account, we may close your existing Account and issue a new Card with a new Account number. Agreement to Pay. When you use your Card or Card Account, or when you permit anyone to use it, you agree to pay the amount of any and all transactions (including any which may have been made in violation of this Agreement), and the INTEREST CHARGES, and fees that may become due as shown on the periodic statement. You agree that we may change or cancel your Card Account at any time without affecting your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us amounts that you intend to and have the ability to repay your Account obligationsowe under this Agreement. We rely on this representation every time will notify you use if we change or cancel your Card Account.

Authorized Users. Authorized users will be known as administrators and may designate up to the maximum allowed number of Authorized Users in the User Portal for the purpose of receiving support and making changes to your account. You shall be fully responsible for managing your Authorized Users and keeping them up-to-date. You authorize us to provide all applicable support and account information to your Authorized Users also known as Administrators and to make modifications to the Products or Services at their direction. a. You may notify us only add, modify, or remove Authorized Users also known as Administrators through the User Portal but there will only be one login set of credentials known as the user and will be tied directly to the email associated with the account. We will not add, modify or remove authorized users on your behalf, and we will only provide support, assistance, and information to your Authorized Users who can verify their identity through the User Portal with their name and pin number or current identification method. Notwithstanding the foregoing, when you pay for the Services with a credit or debit card, we may remove, modify or change that card as a payment method at the request of any individual who is able to add authorized user(s) and/or issue Cards provide reasonably satisfactory evidence that he or she is the named individual on such credit or debit card. b. You will require your Authorized Users to additional users. You cannot limit abide by the amount terms of authority the Agreement, and you give to any authorized user. An authorized user’s authority will continue until you notify us acknowledge and agree that you are terminating fully responsible for the authority actions and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to omissions of your AccountAuthorized Users and for all costs, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account numberoverages, or other credit deviceliabilities incurred through your account except to the sole extent that any such use or liability is the result of our breach of the Agreement. An Authorized User, you will be liable for any and all transactions made by that personwithin the scope of permissions granted to such user in the User Portal, including transactions for which you may not have intended make changes to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable partyProducts or Services, and that person will be responsible for delivering those materials you agree to the other liable parties and authorized userspay any Fees associated with such changes. You must contact us shall promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if in the event that you think someone used become aware of any violation of the terms of the Agreement or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use theaccounts of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If Authorized Users and it is your Account is closed, you must destroy and/or return each Card responsibility to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we see that passwords are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Accountchanged accordingly.

Authorized Users. You Client shall designate one or more individuals who are permitted to use the Service on behalf of the Client (“Authorized User”). We may notify us also require you to designate one Authorized User as the Primary Administrator who may act as an Authorized User with the power to make and sign all agreements and deliver all documents in connection with the Services on behalf of the Client, determine which features of the Service will be available to the Client and Authorized Users, impose limitations on the Client’s and Authorized User’s use of the Service, designate and remove other Authorized Users, define the roles and permissions of other Authorized Users, and delegate his or her authority to another Authorized User. Unless you otherwise specify, we may deem the Client’s authorized representative who initially requested to use the Service or a request feature thereof as a Primary Administrator. Except as otherwise agreed by the Bank or as set forth in the settings applicable to add authorized user(s) and/or issue Cards to additional users. You cannot limit your use of the amount of authority you give Account or Service, your Primary Administrator and the Authorized User(s), will have access to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating Account designated for use with the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liableServices, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who Agreement does not have actual, implied name such a person as an authorized signer or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside user of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close do not control access by any of your Account Authorized User(s) or suspend Account privileges at Primary Administrators to any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, Service except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance as expressly set forth in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for require your Primary Administrator and any Authorized User(s) to comply with all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce provisions of this Agreement against youand all other applicable agreements, and you guarantee that they will do so. This is You acknowledge and agree that you are fully and solely responsible for the case even if failure of your Account is only used Primary Administrator or any Authorized User(s) to so comply. You are responsible for any payment, transfer and other Services and charges initiated or incurred by one of youyour Primary Administrator and any Authorized User(s), whether or not actually authorized by the Client. The Bank reserves the right to require the Primary Administrator to be an authorized signer on the Account(s). Notwithstanding the foregoing, you understand that the Primary Administrator and each Authorized User may utilize the Services without regard to any restrictions otherwise applicable to an Account, or whether such Authorized User is used by someone an authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed signer on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your Account.

Authorized Users. Authorized Users" are persons with authority to act on your behalf. You may notify us of allow Authorized Users by: (1) requesting that you want a person added to your account as an Authorized User, subject to our approval; (2) lending or otherwise intentionally making your Loan Card accessible to another person; or (3) any other ways in which you would be legally considered to have allowed another to use your Loan Card or to be legally prevented from denying that you did so. If you request to add authorized user(s) and/or issue Cards and we approve an Authorized User, we reserve the right to additional users. You cannot limit the amount number of authority you give Authorized Users associated with your Loan Card and we also reserve the right to any authorized user. An authorized userlimit an Authorized User’s authority will continue until you notify us that you are terminating the authority and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else ability to use and access your Account. If you give, lend, or otherwise make available to any other person your Loan Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceeded, unless and except as expressly required by applicable law. Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this submit certain information about each person you request to make an Authorized User. You must have permission from each Authorized User to give us, through Synapse or Platform, the requested information. Authorized Users may have access to certain information about your Loan Card and associated credit line and will be able to make transactions with your Loan Card. Unless a restriction that we have acknowledged in writingwriting is specifically stated in your authorizing resolution: (i) an Authorized User will have authority to appoint other authorized users; and (ii) each Authorized User may do so acting alone, unless we require otherwise. We may, but are not obligated to, accept oral instructions from an Authorized User. As between you and us, all actions of an Authorized User shall be deemed within the scope of such person’s authority. You will be responsible for an Authorized User’s use of your Loan Card and use of your Loan Card by anyone else they allow to use the Loan Card, including transactions or incurred fees or interest charges, whether or not you intended to be liable for such transactions, fees, or interest charges. We are not required to verify or confirm the purpose or propriety of any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will action by an Authorized User and are not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. If you allow someone to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable responsible for any use misapplication or misappropriation of funds by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon request. You agree to pay us for all Purchases, Advances, Balance Transfers, interest charges, Account fees and charges, any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed on your Account. Your obligation to pay the Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we are not a party may direct another person responsible to pay the Account. Every time you use your Account, you represent to us that you intend to and have the ability to repay your Account obligations. We rely on this representation every time you use your AccountAuthorized User.

Authorized Users. You If you ask us to issue a Card to any other person, they are an Authorized User. We may notify us of a request require certain information about them. We may limit their ability to add authorized user(s) and/or issue Cards use your Card. They may have access to additional userscertain information about your Account. You cannot limit will be responsible for their use of the amount of authority you give to any authorized user. An authorized user’s authority will continue until you notify us that you are terminating the authority Account and you physically retrieve the Card or other credit device. Except by asking us to add an authorized user to your Account, you agree not to allow access to your Card, Account number, or PIN to anyone else they allow to use your Account. If you give, lend, or otherwise make available to any other person your Card, Account number, or other credit device, you will be liable for any and all transactions made by that person, including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit limit to be exceededyou did not want, unless and except as expressly required by applicable lawor agree to, that use. Removing an Authorized users may have the same access to information about the Account and its users as the Account holder(s). We may send Account materials (statements, cards and notices) to any liable party, and that person will be responsible for delivering those materials to the other liable parties and authorized users. You must contact us promptly if any Card, Account number, PIN or other credit device is lost or stolen. You must also notify us if you think someone used or may use them without your permission. You may contact us by calling the telephone number on the back of your Card or on your billing statement or by writing to us at the address listed on your statement. When you contact us, we may require you to provide information to help in our investigation. We may require you to provide this information in writing. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. For purposes of this Agreement, “unauthorized use” means the use of a Card by a person, other than a Cardholder, who does not have actual, implied or apparent authority to use the Card, and from which the Cardholder received no benefit. User: If you allow someone want to use your Card or make changes to your Account, you can terminate this user’s authority by retrieving the Card and notifying us. Until you do so, you remain liable for any use by the authorized user. A Foreign Transaction is any transaction (1) made in a foreign currency or (2) made in U.S. dollars if the transaction is made or processed outside of the United States. Foreign Transactions include, for example, online transactions made in the U.S. but with a merchant who processes the transaction in a foreign country. If you make a Foreign Transaction, we will assess the Foreign Transaction Fee listed in your Account-Opening Disclosures. Foreign Transactions made in a foreign currency will be converted by Visa International into a U.S. dollar amount in accordance with operating regulations or conversion procedures in effect at the time the transaction is processed. The conversion rate in effect on the processing date might differ remove an Authorized User from the rate in effect on the transaction or posting date. You may close your Account by notifying us in writing or over the phone. If you have a joint Account, we will honor a request by any Cardholder to close the Account. We may also close your Account or suspend Account privileges at any time and for any reason without prior notice to you. We also have the right not to renew your Account upon its expiration. After your Account is closed, you will not be able to obtain additional Account credit, except that under certain circumstances if you use your Account for a transaction, the transaction may be posted to your Account. If you or we close your Account, you must still repay the total balance in accordance with the terms of this Agreement. If your Account is closed, you must destroy and/or return each Card to us upon requestcontact Customer Service and request their removal. You agree to pay us for also must immediately destroy all Purchases, Advances, Balance Transfers, interest charges, Account fees Cards in their possession and charges, cancel any other transaction charges as provided in this Agreement, and, to the extent permitted under applicable law, attorneys fees and collection costs we incur to enforce this Agreement against you. This is the case even if your Account is only used by one of you, or is used by someone authorized by only one of you. If there is more than one Cardholder, each of you is responsible, together and separately, for the full amount owed arrangements they may have set up on your Account. Your obligation They will be able to pay the use your Account balance continues even though an agreement, divorce decree, court judgment, or other document to which we until you have notified us that you are not a party may direct another person responsible to pay the removing them from your Account. Every time During this time, you use will still be responsible for all amounts they charge to your Account. You will be responsible even if these amounts do not appear on your Account until later. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove them from your Account for any reason. To remove them from your Account, we may close your existing Account and issue a new Card with a new Account number. You promise to pay us all amounts due on your Account. This includes amounts where you represent did not sign a purchase slip or other documents for the transaction. We will treat transactions made without presenting your actual Card (such as for mail, telephone, Internet, or mobile device purchases) the same as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. We will generally send or make available to us that you intend to and have the ability to repay one Statement for all Cards on your Account obligationsat the end of each Billing Cycle. Under certain circumstances, the law may not require us to send or make available to you a Statement or may prohibit us from doing so. You must inspect each Statement you receive. Tell us about any errors or questions you have, as described in the “Billing Rights Summary” on your Statement and other Truth-in Lending Disclosures. If you do not notify us of an error, we will assume that all information on the Statement is correct. If we credit your Account for all or part of a disputed transaction, you give us all your rights against others regarding that transaction. You will also: (1) give us any information about the disputed transaction, if we ask; (2) not pursue any claim or reimbursement of the transaction amount from the merchant or any other person; and (3) help us get reimbursement from others. We rely are not responsible for any claim you may have regarding the purchase of goods or services made with your Card beyond your rights described in the “Billing Rights Summary” on this representation every time you use your AccountStatement.