DISCLOSURES AND TERMS & CONDITIONS FOR CREDIT ONE BANK'S CREDIT CARDS AND CREDIT PROTECTION PROGRAM

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Variable rates are accurate as of XX/XX/XXXX.

*We will charge the maximum safe harbor amount, which is set annually by the Consumer Financial Protection Bureau. Complete details will be in the Agreement sent with your card.

MINIMUM CREDIT LINE: $500 and Future credit line increases may be granted based on your overall credit performance.

ANNUAL FEE: The Annual Fee of $95 will be billed to your Account when opened. It’s refundable as long as you cancel your Account and have not made any transactions. The Annual Fee will bill again each subsequent year until the balance is paid is full and your Account is closed.

ACCEPTANCE: The words "I," "me," "my," "you," and "your" mean the applicant. "Bank," "we," and "us" mean Credit One Bank, N.A., its successors or assigns. I certify that I am 18 years of age or older and that the information on this credit card application is accurate and given in order to obtain credit. If I am approved, my card(s) will be issued and I agree to pay all charges incurred in accordance with the terms and conditions of the Card Agreement ("Agreement"), which will be sent with my card. I understand that my Account will be subject to the terms and conditions of the Agreement, and that the Bank may change all terms and conditions of the Account upon notice to me in accordance with applicable law. I also acknowledge that the Account will be for personal use and cannot be used for business purposes.

ARBITRATION: Your Card Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. Complete details will be in the Card Agreement sent with your card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

ELIGIBILITY CRITERIA: You may not qualify for this offer if: 1) you no longer meet our criteria or income requirements when your application is processed; 2) you have an open or unpaid Account or pending application; 3) the application is altered (other than the address) or not complete, accurate or verifiable; 4) we receive your application after the expiration date; 5) you are a resident of a U.S. Territory; 6) you have an APO/FPO address; or 7) you are a Covered Borrower who is entitled to the Limitations on Terms of Consumer Credit Extended to Service Members and Dependents pursuant to a determination made in accordance with the Military Lending Act 32 C.F.R. 232.5(b).

ACCESS TO CREDIT AND IDENTIFICATION INFORMATION: I authorize the Bank to obtain and use information about me from third parties and credit reporting agencies to: 1) verify my identity; 2) determine my income, debt and credit eligibility; 3) provide renewal of credit; and 4) present future offers, including extensions of credit. The Bank may retain such credit or other information whether or not I receive a card.

COMMUNICATIONS: 1) Consent: You are providing express written permission and consent authorizing us or our agents to contact you at any phone number (including mobile, cellular, wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us, or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification purposes; Account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. 2) Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys' fees, incurred as a result of us contacting or attempting to contact you at the number(s). 3) Revocation: For information on how your authorization can be revoked, see your Agreement that will be sent with your card.

FEATURES AND BENEFITS:

Access To Credit Score: To access your free monthly educational credit score you must register for Online Account Access at www.CreditOneBank.com and accept the online Terms of Use/Credit Score Authorization Agreement. Availability can take up to 60 days from your enrollment date. Your educational credit score is not used to determine your creditworthiness for this card offer. It is to help you understand your credit score and for your own non-commercial, personal educational review, use and benefit. This service is subject to change or cancellation without notice.

Authorized User: At your request, we may issue an additional card with your Account number in the name of an Authorized User. The Authorized User must be at least 15 years old. You will be solely responsible for all of his/her transactions. You understand that the Authorized User will be able to:

1) make purchases, payments, and report the card lost or stolen;

2) access Account information including balance, available credit, and payment information; and

3) have himself or herself removed from the Account. You can request the removal of the Authorized User from your Account via mail or telephone.

If you advise us that the Authorized User is your spouse, then Account information will be reported to credit bureaus in both your name and in the name of the Authorized User. Complete details will be in the Agreement sent with your card.

Cash Back Rewards Program:

Earning Cash Back Rewards: You earn cash back rewards for purchases using your Account minus returns, refunds, disputed charges and fraudulent transactions (“Net Eligible Purchases”), as follows:

• 5% cash back rewards on eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases for the first $5,000 per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite TV service purchases, and then 1% thereafter.
  • Certain Non-Eligible Purchases. You will only earn 1% cash back rewards, not 5%, for:
    • Any purchase at a warehouse club (including but not limited to Sam’s Club and Costco);
    • Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller stores like bakeries, candy, nut or confection stores;
    • Purchases for oil or propane or at home heating companies; and
    • Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target).
• 1% cash back rewards on all other purchases, including, the non-eligible purchases listed above.

You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other charges.  If your Account is in default, as defined in your Card Agreement, at the time the cash back rewards are to be posted to your Account, you WILL NOT receive the applicable credit. Cash back rewards have no cash value; however, when redeemed in accordance with the Program have a redemption value. See “Redeeming Cash Back Rewards” below. Cash back rewards may not be transferred to any other person including through such events as inheritance, bankruptcy, or divorce.

Earning and accruing cash back rewards is not limited as long as your Account is in good standing, and you may have a negative cash back rewards balance (because of returns and other post transaction action). If your Account has a negative cash back rewards balance, any newly earned cash back rewards will be used to offset such negative balance until such balance has been brought to zero. As long as your Account is in good standing, your cash back rewards do not expire. Cash back rewards are forfeited 90 days after your Account is closed by you or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, no redemptions of your cash back rewards, automatic or manual, will be permitted; provided that if your Account is closed because of nonpayment, you will have 90 days to redeem any cash back rewards from the date notice is sent to you. See “Redeeming Cash Back Rewards.” Cash back rewards from separate accounts cannot be combined. Authorized Users earn cash back rewards on the Account, but only the primary Cardholder may redeem cash back rewards.

Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with the applicable credit card network’ procedures based on the kinds of products and services they primarily sell. We have no control over merchant codes. Please note:

• We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for cash back rewards on purchases in that category.
• Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases from the same merchant at a different location may result in no cash back rewards.
• Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process the purchase in that cash back rewards category.

Redeeming Cash Back Rewards: Cash back rewards may be redeemed automatically (“Automatic Redemption”) only for statement credits; or redeemed manually (“Manual Redemption”), for statement credits, gift cards, or other goods or services. You can switch between Automatic and Manual Redemption, but in order to do so, you must have an online Account that you can access via CreditOneBank.com or the Credit One Bank mobile app. All cash back rewards redemptions are subject to terms and conditions set forth in this Supplement and at https://www.creditonebank.com/RewardsRedemptionTerms.

• Automatic Redemption: Upon Account opening, your Account will be set to Automatic Redemption. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the first day to the last day of the current month. You will receive an automatic rewards credit on each statement that has at least one Net Eligible Purchase. 
• Manual Redemption: Cash back rewards may be accrued and manually redeemed. To do so, you must change your redemption setting from Automatic Redemption to Manual Redemption. If you switch from Manual to Automatic Redemption, any cash back reward balance accrued while your Account has a Manual Redemption setting will be applied to your Account as a statement credit in any month your redemption setting is set to Automatic Redemption as of 3:00 p.m. Central Time on the first day of the month. Cash back rewards will post to your Account within seven days after a Net Eligible Purchase posts to your Account. The amount of cash back rewards you need to redeem for other consumer goods and services will be determined at redemption and may change without notice. The most up-to-date amount of cash back rewards you have available to redeem (which reflects any adjustments, transfers, or redemptions) is available online or at the customer service number and may differ from the available cash back rewards shown on your last monthly billing statement.

Feedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail, telephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how cash back rewards are fulfilled, including, without limitation, new features or functionality, you grant us and any of our vendors a perpetual right to use the Feedback for our own and their own, respective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such use of Feedback for our or their own, respective internal business purpose.

Experian IdentityWorks^SM: To be eligible for free membership in Experian IdentityWorks^SM, you must complete and submit your Credit One Bank credit card application online at www.CreditOneBank.com. Membership in Experian IdentityWorks^SM is optional. Whether or not you register for membership will not affect your application for credit or the terms of any existing credit agreement you have with the Bank. To learn more or to register for IdentityWorks^SM, visit www.experian.com/creditoneoffer. Experian IdentityWorks^SM is operated and managed by Experian Information Solutions, Inc. Credit One Bank is not responsible for the provision of or failure to provide the stated benefits and services. This service is subject to change without notice.

Pick Your Payment Due Date: After the initial billing period, you may call Customer Service and select a new payment due date that is at least 6 days before or after the original assigned date. It will not be effective until the new due date appears on your statement. Your Account must be current to use this feature. You may only change your due date once in a 6 month period.

More Cash Back Rewards Program (“More Program”): The More Program is separate from any other Credit One Bank rewards program. The More Program provides you with certain cash back rewards from participating merchants. See the Credit One Bank More Cash Back Rewards Program Supplement for details.

Zero Fraud Liability: You must notify the Bank immediately of any unauthorized use. For details go to: Visa Zero Liability.

STATE NOTICES:

Residents of California: A married person may apply for a separate Account. 

Residents of Maine and Vermont: A credit report may be obtained at any time for purposes associated with the Account such as reviewing, modifying, renewing, and collecting on your Account. Upon your request, you will be informed whether or not a credit report was ordered, and if it was, you will be given the name and address of the credit bureau that furnished the report.

Residents of New York: For more information call us at 1-800-796-5897. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. 

Residents of Ohio: Ohio laws against discrimination require that credit be equally available to all worthy persons and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 

Married Residents of Wisconsin: No provision of any marital property agreement, unilateral statement under Wisconsin Statutes 766.59, or court decree under Wisconsin Statutes 766.70, will adversely affect the interest of us unless, prior to the time the credit is granted, we are furnished with a copy of the agreement, statement or decree or have actual knowledge of the adverse obligation before the requested credit is granted. All obligations on this card Account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this Account to your spouse. Within ten (10) days of submitting an application, married Wisconsin residents must furnish the name and address of their spouse by sending it to: Credit One Customer Service, P.O. Box 98871, Las Vegas, NV, 89193-8871.

OPTIONAL CREDIT PROTECTION PROGRAM (“PROGRAM”) DISCLOSURES:

This Product Is Optional: Your purchase of the Credit Protection Program (“Program”) is optional. Whether or not you purchase the Program will not affect your application for credit or the terms of any existing credit agreement you have with the Bank.

Explanation of the Program Agreement: If eligible, the Program will pay the Minimum Payment Due, as shown on your billing statement. The Credit Protection Program Agreement and Disclosure (“Agreement”) describes the specific circumstances under which the Minimum Payment Due may be paid for up to six (6) benefit payments if the primary cardholder becomes involuntarily unemployed or disabled. If your Account is covered by the Servicemembers Civil Relief Act when you initiate benefits, the payment will be equal to 5% of your ending statement balance each month, or $30.00 whichever is greater. In the event of the primary cardholder's death, the Account may be eligible for balance pay-off, up to $10,000.

Amount of Fee: The Program fee is based on your monthly billing statement New Balance, up to $10,000. The Program fee is billed in advance on a monthly basis for benefit coverage during the next billing cycle. The cost of Credit Protection is $0.96 (96 cents) for each $100, or part thereof, of the New Balance on your monthly billing statement.

Use of Card or Credit Line Restricted: During a benefit period, you may not use your Account for any purpose including purchases, cash advances, balance transfers or payments to third parties.

Termination of the Program: You have the right to cancel your enrollment in the Program at any time, for any reason. If you cancel after the first 30 day period, your cancellation will be effective at the end of the billing cycle in which the cancellation is received. Program fees assessed while you are in the Program will not be refunded. The Bank has the right to cancel the Program, without notice, at any time and for any reason including, but not limited to, the following circumstances: if your Account is 60 days past due, your Account is over limit by 20% or more, Credit One Bank no longer owns the Account, we determine or have a reasonable belief that you have committed fraud on the Account, or you are approved for participation in one of our debt management programs.

Eligibility Requirements, Conditions and Exclusions: There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the Program. Any unemployment or disability existing at the time you initially enroll in the Program will not be covered. You may find a complete explanation of the eligibility requirements, conditions and exclusions in the Involuntary Unemployment, Disability, and Loss of Life paragraphs of the Agreement. You can review the complete document at https://www.creditonebank.com/credit-protection-agreement anytime.

Brief Summary of Additional Important Terms:

• Finance Charges will continue to accrue on unpaid balances while receiving benefits. 
• Benefits can be initiated for a qualifying Involuntary Unemployment or Disability event that occurs after the first 30 days of enrollment. 
• Benefits can be initiated any time after enrollment for Loss of Life. 
• During the benefit period, you may not use your Account for any purpose.

Certain Fees and Finance Charges Waived During Benefit Period: During a benefit period, the monthly Program fee and any late payment fee that may be incurred during the benefit period will be waived. Any annual fee due to be billed during the benefit period will be waived. Assessment of these fees (as applicable) will resume after the benefit period ends. During the benefit period, Periodic Finance Charges (interest) will continue to accrue on unpaid balances and will be posted to your Account in accordance with your credit card Card Agreement.

Receiving the Program Agreement: You will receive the Agreement to review before you are billed any fees. It contains complete details about the Program and should be reviewed carefully. Should you decide the Program is not for you, simply cancel your enrollment within 30 days of your purchase date and you will not be billed any Program fees.

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