Common use of CHANGES TO YOUR ACCOUNT TERMS Clause in Contracts

CHANGES TO YOUR ACCOUNT TERMS. We may change the terms of your account and this Agreement at any time, pursuant to applicable law. This may include changes to your APRs, fees, and all other terms. We will inform you of any changes and also give you an opportunity to reject them as required by law. If we make any changes, they will be effective even if you don’t use the account after they are effective or you don’t expressly accept them. HOW WE WILL CONTACT YOU ABOUT YOUR ACCOUNT AND HOW YOU MUST CONTACT US Phone and email contact We may call or email you (using live operators, automatic dialing devices, or recorded messages) at home or work and those calls or emails will not be considered unsolicited. If you provide a cell phone number to us, either on the application or to a customer service representative, or if you place a cell phone call to us, you agree that we may contact you (including for collection purposes) at that cell phone number. We may monitor or record any calls we make or receive. If you provide us with an email address, either on the application or to a customer service representative, or if you send us an email, you agree that we may contact you (including for collection purposes) at that email address. Credit bureaus and information from third parties We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may make inquiries of other persons in connection with maintaining and collecting on your account and you authorize such other persons to release information about you to us.

CHANGES TO YOUR ACCOUNT TERMS. We may change the terms of your account and this Agreement at any time, pursuant to applicable law. This may include changes to your APRs, fees, and all other terms. We will inform you of any changes and also give you an opportunity to reject them as required by law. If we make any changes, they will be effective even if you don’t use the account after they are effective or you don’t expressly accept them. HOW WE WILL CONTACT YOU ABOUT YOUR ACCOUNT AND HOW YOU MUST CONTACT US Phone and email contact We may call or email you (using live operators, automatic dialing devices, or recorded messages) at home or work and those calls or emails will not be considered unsolicited. If you provide a cell phone number to us, either on the application or to a customer service representative, or if you place a cell phone call to us, you agree that we may contact you (including for collection purposes) at that cell phone number. We may monitor or record any calls we make or receive. If you provide us with an email address, either on the application or to a customer service representative, or if you send us an email, you agree that we may contact you (including for collection purposes) at that email address. Credit bureaus and information from third parties We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may make inquiries of other persons in connection with maintaining and collecting on your account and you authorize such other persons to release information about you to us. Definitions or terms for use in this section only.

CHANGES TO YOUR ACCOUNT TERMS. We may change the terms of your account and this Agreement at any time, pursuant to applicable law. This may include changes to your APRs, fees, and all other terms. We will inform you of any changes and also give you an opportunity to reject them as required by law. If we make any changes, they will be effective even if you don’t use the account after they are effective or you don’t expressly accept them. If you reject a change, your account will be canceled and you will no longer be able to use the account. HOW WE WILL CONTACT YOU ABOUT YOUR ACCOUNT AND HOW YOU MUST CONTACT US Phone and email contact We may call or email you (using live operators, automatic dialing devices, or recorded messages) at home or work and those calls or emails will not be considered unsolicited. If you provide a cell phone number to us, either on the application or to a customer service representative, or if you place a cell phone call to us, you agree that we may contact you (including for collection purposes) at that cell phone number. We may monitor or record any calls we make or receive. If you provide us with an email address, either on the application or to a customer service representative, or if you send us an email, you agree that we may contact you (including for collection purposes) at that email address. Credit bureaus and information from third parties We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may make inquiries of other persons in connection with maintaining and collecting on your account and you authorize such other persons to release information about you to us.