Common use of Special Rule for Credit Card Purchases Clause in Contracts

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or service. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers and cash advances Your APR will be 6.00% to 18.00% Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.00%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None For credit card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or service. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for property or services. VisaSmart Rewards VISA® Secured Credit Card Application Interest Rates and Interest Charges APPLICATION INTEREST RATES AND INTEREST CHARGES ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers and cash advances Purchases Your APR will be 6.008.75% to18.00% based on your creditworthiness when you open your account. ANNUAL PERCENTAGE RATE (APR) for Cash Advances Your APR will be 8.75% to18.00%based on your creditworthiness when you open your account. ANNUAL PERCENTAGE RATE (APR) for Balance Transfers 0.00% introductory APR for six months, if transfer is completed within 60 days of account opening. After that, your APR will be 8.75% to 18.00% based on your creditworthiness when you open your account. Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.008.75%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None For credit card tips Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using us- ing a credit card, visit the website of the Consumer Financial Protection Pro- tection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees FEES Annual Fee None Transaction Fee Fees • Balance Transfer • Cash Advance • Foreign Transactions Transaction None None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.0030.00 4 of 5 How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. See your account agreement for more details. SMART REWARDS VISA® APPLICATION NO ANNUAL FEES & COMPETITIVE RATES No interest is charged on card purchases if the balance is paid within 25 days from the date of the billing cycle. SWITCHING TO A MAX CREDIT CARD IS EASY! Do you have a credit card with another financial institution charging an annual fee or a higher interest rates? Move your account to MAX! Once your application is approved, a cash advance (within your line of credit) on your new MAX credit card may be obtained to pay off your old card. This cash advance then becomes your new balance at MAX. Specific credit limits are established when card applications are approved. For more information, to ask a question or to open a new account today, visit xxXXX.xxx or call 000.000.0000. 4 of 5 SELECT ONE: Smart Rewards VISA‰ Credit Card SAIL Application #

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or service. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges INTEREST RATES AND INTEREST CHARGES ANNUAL PERCENTAGE RATE (APR) for purchasesPurchases, balance transfers Balance Transfers and cash advances Cash Advances Your APR will be 6.00% to 18.00% %. Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.00%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None For credit card tips Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using us- ing a credit card, visit the website of the Consumer Financial Protection Pro- tection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees FEES Annual Fee None Transaction Fee Fees • Balance Transfer • Cash Advance • Foreign Transactions Transaction None None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or serviceservices. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The the purchase price must have been more than $5050.00. These limitations do not apply if the credit card issuer owns we own or operates operate the merchant, or if we mailed you the advertisement for the property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE INTEREST RATE (APRAND INTEREST CHARGES Annual Percentage Rate(APR) for purchasesPurchases 4.9% Introductory APR for the first 6 billing cycles after account opening. At the end of this period, balance transfers and cash advances Your your APR will be 6.009.42% to 18.00% Variable Rate Information Your 11.92%, based on creditworthiness. This APR will vary in relation to an index plus a margin with the market based Prime Rate. APR For Balance Transfers 5.9% for the first 12 billing cycles after Balance Transfer. At the end of 6.00%. The index this period, the APR will be vary with the market based Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published as noted in the money Interest Rate section of the Wall Street Journalthis agreement. How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. APR For Cash Advances 22.9% Paying Interest We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest The Interest Charge on cash advances begins from the date you obtained the cash advance. The Interest Charge on balance transfers and cash advances on begins from the date the transaction dateis posted to your account. Minimum Interest Charge None For credit card tips Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fees Annual Fee None NONE Transaction Fee • Balance FeesBalance Transfer • Rush Ship Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5NONE Up to $25.00 2% of the amount of the scheduled payment in the default, each case advance with a minimum charge fee of $0.50 and a maximum charge 5 per ATM transaction or $10 per in person transaction. 2% of $25.00 None each transaction in U.S. dollars. Penalty Fees Late Payment Over-the-Credit-Line Returned Payment Up to $30.0025.00 NONE Up to $25.00 How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate. Prime Rate: Variable APRs are based on the 4.75% Prime Rate as of July 27, 2022 Balance Transfer APR: Your Balance Transfer rate is 5.9%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 0.49167%. Cash APR: Your Cash rate is 22.9%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.90833%.

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or serviceservices. There are two limitations on this right: (a) • You must have made the purchase in your home state or, if not within your home state, state within 100 miles of your current mailing address; and (b) • The purchase price must have been more than $50. These 50.00.These limitations do not apply if the credit card issuer owns we own or operates operate the merchant, or if we mailed you the advertisement for the property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for purchasesPurchases & Balance Transfers 8.50% - 24.00% When you open your account, balance transfers and cash advances Your the applicable APR will be 6.00% to 18.00% Variable Rate Information Your is based on credit qualifications. This APR will vary in relation to an index plus a margin of 6.00%. The index will be with the marketing based on the Prime Rate (rounded to Rate. Annual Fee: None Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the nearest 1/4 market based on the Prime Rate. Cash Advance Fee: 3% of 1%) and is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest on purchases cash advance $5.00 minimum / No maximum Penalty Fees Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases if balance that you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None Late Payment Fee: up to $35 Returned Payment Fee: up to $20 For credit card tips Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Card Replacement Fee: up to $5 Other Fees Annual Fee None Foreign Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1Fee: Up to 1.1% International Transaction Fee Penalty Fees • Late Payment • Over How we will calculate your balance: We use a method called “average daily balance” (including new purchases). Variable rates are based on the prime rate plus a factor of 5.5%–13.5% (10.5%–18.5% for cash advances), depending on credit qualifications. Variable rates may change quarterly. We reserve the right to amend the Credit Limit • Returned Payment 5% Card Agreement as permitted by law. The above rates and fees are current as of the amount of the scheduled payment in the defaultJune 10, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.002019.

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or service. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for property or services. Visa® Secured Business Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers and cash advances Your APR will be 6.009.49% to 18.00% Variable Rate Information Your APR will vary in relation to an index plus a margin of 6.009.49%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None For credit card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1% International Transaction Fee Penalty Fees • Late Payment • Over the Credit Limit • Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or serviceservices. There are two (2) limitations on this right: (a) • You must have made the purchase in your home state or, if not within your home state, within 100 one hundred (100) miles of your current mailing address; and (b) • The purchase price must have been more than $5050.00. These limitations do not apply if the credit card issuer owns we own or operates operate the merchant, or if we mailed you the advertisement for the property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE INTEREST RATES AND INTEREST CHARGES: Annual Percentage Rate (APR) for purchases, balance transfers and cash advances Your APR will be 6.00Purchases 11.75% to 18.00% Variable Rate Information Your This APR will vary in relation to an index plus a margin of 6.00%. The index will be with the market based on the Prime Rate (rounded to Rate. APR for Balance Transfers 11.75% This APR will vary with the nearest 1/4 of 1%) and is market based on the highest rate published in Prime Rate. APR for Cash Advances 11.75% This APR will vary with the money section of market based on the Wall Street JournalPrime Rate. How to avoid paying interest Avoid Paying Interest on purchases Purchases Your due date is at least 25 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers and cash advances on the transaction date. Minimum Interest Charge None No Minimum Interest Charge. For credit card tips Credit Card Tips from the Consumer Financial Protection Bureau (CFPB) To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES: Annual Fee None Transaction Fee • Fees: * Balance Transfer • * Cash Advance • * Foreign Transactions None None 1Transaction $2.00 1.00% International Transaction Fee of each transaction in U.S. dollars Penalty Fees • Fees: * Late Payment • Over the Credit Limit • * Returned Payment 5% of the amount of the scheduled payment in the default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.0010.00 $10.00

Special Rule for Credit Card Purchases. If you have a problem with the quality of property or services that you purchased with a credit card, card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or serviceservices. There are two limitations on this right: (a) • You must have made the purchase in your home state or, if not within your home state, state within 100 miles of your current mailing address; and (b) • The purchase price must have been more than $50. These 50.00.These limitations do not apply if the credit card issuer owns we own or operates operate the merchant, or if we mailed you the advertisement for the property or services. Visa® Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE 6/10/19 PRICING INFORMATION ADDENDUM INTEREST RATES AND INTEREST CHARGES FEES Annual Percentage Rate (APR) for purchasesPurchases & Balance Transfers 8.50% - 24.00% When you open your account, balance transfers and cash advances Your the applicable APR will be 6.00% to 18.00% Variable Rate Information Your is based on credit qualifications. This APR will vary in relation to an index plus a margin of 6.00%. The index will be with the marketing based on the Prime Rate (rounded to Rate. Annual Fee: $49*, waived the nearest 1/4 first year, and waived thereafter if $10,000 in annual purchases Balance Transfer Fee: None Transaction Fees: APR for Cash Advances 13.50% - 29.00% This APR will vary with the market based on the Prime Rate. Cash Advance Fee: 3% of 1%) and is the highest rate published in the money section of the Wall Street Journal. How to avoid paying interest on purchases cash advance $5.00 minimum / No maximum Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on the portion of the purchases if balance that you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None Penalty Fees Late Payment Fee: up to $35 Returned Payment Fee: up to $20 For credit card tips Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Card Replacement Fee: up to $5 Other Fees Annual Fee None Foreign Transaction Fee • Balance Transfer • Cash Advance • Foreign Transactions None None 1Fee: Waived How we will calculate your balance: We use a method called “average daily balance” (including new purchases). Variable rates are based on the prime rate plus a factor of 5.5%–13.5% International Transaction Fee Penalty Fees • Late Payment • Over (10.5%–18.5% for cash advances), depending on credit qualifications. Variable rates may change quarterly. We reserve the right to amend the Credit Limit • Returned Payment 5% Card Agreement as permitted by law. The above rates and fees are current as of the amount of the scheduled payment in the defaultJune 10, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.002019.