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. Smart Rewards VISA® APPLICATION INTEREST RATES AND INTEREST CHARGES ANNUAL PERCENTAGE RATE (APR) for Purchases Your APR will be 8.75% 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 8.75%. 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 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 us- ing a credit card, visit the website of the Consumer Financial Pro- tection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Transaction Fees • Balance Transfer • Cash Advance • Foreign 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 default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.00 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. Smart Rewards VISAVisa® APPLICATION INTEREST RATES AND INTEREST CHARGES Business Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases purchases, balance transfers and cash advances Your APR will be 8.75% 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 8.759.49% 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 8.759.49%. 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 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 us- ing using a credit card, visit the website of the Consumer Financial Pro- tection Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Fees Annual Fee None Transaction Fees Fee • Balance Transfer • Cash Advance • Foreign Transaction 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 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 #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. Smart Rewards VISAVisa® APPLICATION INTEREST RATES AND INTEREST CHARGES Secured Credit Card Application Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases purchases, balance transfers and cash advances Your APR will be 8.75% 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 8.756.00% 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 8.756.00%. 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 us- ing using a credit card, visit the website of the Consumer Financial Pro- tection Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Fees Annual Fee None Transaction Fees Fee • Balance Transfer • Cash Advance • Foreign Transaction 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 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 #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 limitations on this right: (a) You you must have made the purchase in your home state 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. Smart Rewards VISA® APPLICATION INTEREST RATES AND INTEREST CHARGES ANNUAL PERCENTAGE RATE G-14482 - 0617 xxx.xxxxxx.xxx To calculate the Adjusted Daily Balance each day, we take the following steps: We take the outstanding balance (APRall amounts you owe) for Purchases Your APR will be 8.75% to18.00% based on at the start of the day. Then, in the sequence in which the amounts post to your creditworthiness when you open Account, we add the amounts of all debits and subtract the amounts of all payments and credits which post to your accountAccount that day. ANNUAL PERCENTAGE RATE (APR) for Cash Advances Your APR will be 8.75% to18.00%based on Payments are applied first to any unpaid FINANCE CHARGE from previous billing cycles, then to Late Charges, then to any Over Limit Charge, and then to the balance of your creditworthiness when you open your accountAccount. ANNUAL PERCENTAGE RATE (APR) for Balance Transfers 0.00% introductory APR for six monthsCredits are applied first to the particular type of debit which is being credited, if transfer is completed within 60 days any, and then to the balance of account openingyour Account. After thatapplying payments and credits, we subtract any amount of the FINANCE CHARGE, Late Charges, and Over Limit Charge that remains unpaid. Then, we also subtract the amount of any Cash Advance transaction that posts to your APR will be 8.75% to 18.00% based Account on your creditworthiness when you open your account. Variable Rate Information Your APR will vary in relation to an index plus a margin of 8.75%. The index will be the Prime Rate (rounded to the nearest 1/4 of 1%) and is the highest rate published that day or on any previous day 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 same billing cycle. The result is the Adjusted Daily Balance for that day. We will not charge you any interest on purchases if you pay your entire balance add together all the Adjusted Daily Balances for each day in the billing cycle and divide the total 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 us- ing a credit card, visit the website number of the Consumer Financial Pro- tection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore FEES Annual Fee None Transaction Fees • Balance Transfer • Cash Advance • Foreign 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 days in default, with a minimum charge of $0.50 and a maximum charge of $25.00 None Up to $30.00 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 The result is the Average Adjusted Daily Balance for that billing cycle. Note that Cash Advance transactions, which are posted to your Account during a billing cycle, are not included in the Average Adjusted Daily Balance for that cycle, and are, therefore, not subject to the Monthly Periodic Rate during that cycle. However, they are included in the New Balance shown on the statement for that cycle, and are, therefore, also included in the outstanding balance at the start of the first day of the next billing cycle. Note also, that if the total of the payments and credits which is posted to your Account by the Payment Due Date shown on a statement is equal to or exceed the New Balance shown on that statement, we will not apply the Monthly Periodic Rate to your Account on your next statement. Finally, if any statement shows a Previous Balance that is zero or is a credit card with another financial institution charging an annual fee or a higher interest rates? Move balance, we will not apply the Monthly Periodic Rate to your account to MAX! Once your application is approved, a cash advance (within your line of credit) Account on that statement. MINIMUM PAYMENT: You must pay at least the Current Amount Due by the Payment Due Date shown on your new MAX credit statement. By separate agreement, you may authorize us to charge the Current Amount Due automatically to your savings or checking account with us. You may, of course, pay more frequently, pay more, or pay the total New Balance in full and you will reduce your FINANCE CHARGES by doing so. You may authorize us to charge the total New Balance automatically to your savings or checking account with us. The Minimum Payment will be either (a) 2% of your total New Balance, or $30.00, whichever is greater, or (b) your total New Balance, if it is less than $30.00, plus (c) any portion of the Minimum Payment(s) shown on your prior statement(s), which remains unpaid. In addition, at any time your Total New Balance exceeds your Credit Limit, you must pay the excess as well as any Over Limit Charge. Lastly, any Late Charge must also be paid. Payments made by 5:00 p.m. of your due date will not be charged a late fee. If your current card balance represents multiple balances with different rates, payments will be applied to the portion of the card balance with the highest interest rate first. If we change our mailing address or method of handling your payments, we will not charge a late fee for 60 days – if that change causes a material delay in the crediting of your payment. PERIODIC STATEMENT: Your statement will be sent out no less than 21 days before your due date. Your due date will be the 20th of each calendar month. Should your due date fall on a non-business or payment posting day, the payment will not be considered late until AFTER the first business/posting day that a payment may be obtained posted. Your statement will include two calculations for amortization of payments: 1) Based on minimum payment how long it will take you to pay off your old cardbalance if you continue to make only the minimum payment amount, 2) The payment amount that would be required to pay off your balance in 36 months. PENALTY FEES: Penalty fees will not exceed the dollar amount for incurred infraction. This cash advance then becomes will prohibit charging penalty fees that exceed the dollar amount associated with your new balance at MAXviolation. 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‰ Your Credit Card SAIL Application #will not incur inactivity fees. You will not be billed multiple fees based on a single transaction and/or violation. LATE CHARGES: If your minimum periodic payment is not received by us by the Payment Due Date as described above, your Account will be assessed a Late Charge of up to $30.00. If you incur a late charge and have not had any previous late payments within the past six (6) months, your late fee will be up to $25.00. If anytime during the past six (6) billing cycles your payment was late, the late fee will be up to