Xpectations!® Plus | Secured Card Agreement |

Rates and Fees Table for the PLS Secured Credit Card

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	22.99%
APR for Cash Advances	26.99%
Paying Interest	Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). 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 on the transaction date.
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 https://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	None
Transaction Fees
• Cash Advance	Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Foreign Transaction	3% of total transaction amount.
Penalty Fees
• Late Payment	Up to $39
• Over-the-Credit Limit	None
• Returned Payment	Up to $20

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases)” to calculate your Purchase balance. We use a method called “average daily balance (including new cash advances)” to calculate your Cash Advance balance. See the Cardholder Agreement and Security Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement and Security Agreement.

For additional information about the costs and terms of your PLS Secured Credit Card Account (“Card Account”), see the Cardholder Agreement and Security Agreement. The Cardholder Agreement and Security Agreement and your Card Account will be governed by Utah and applicable federal law. The Cardholder Agreement and Security Agreement permits us to change the terms of your Card Account, including the rates, fees, and other credit terms, subject to us providing advance notice to you if required by law.

APPLICATION INFORMATION:
You authorize us to receive and exchange information about you, including from your employer, your bank, credit bureaus, and others for purposes of verifying your identity and the information you provide when you submit your application and for purposes of determining your eligibility for credit, renewal of credit, and future extensions of credit, except to the extent prohibited by applicable law. THIS OFFER SUPERSEDES ALL PRIOR OFFERS. Terms of this offer, including fees, are accurate and current, but may change.

STATE DISCLOSURES:
(1) MARRIED WISCONSIN RESIDENTS: By submitting your credit card application, you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of a marital property agreement, unilateral statement under Section 766.59 of the Wisconsin Statutes, or court order under Section 766.70 of the Wisconsin Statutes adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement, or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the credit card for which you are applying is granted, you will notify PLS if you have a spouse who needs to receive notification that credit has been extended to you. You understand that we may give notice of this Card Account to your spouse. (2) CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval, use the credit card account up to its credit limit; (2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. (3) OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. (4) NEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. NY State Dept of Financial Services: 1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money. (5) NEW YORK, RHODE ISLAND, AND VERMONT RESIDENTS: We may obtain your credit reports for any legitimate purpose associated with the account or the application or request for an account, including, but not limited to, reviewing, modifying, renewing, and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. If you are a Vermont resident, you consent to the obtaining of such reports by signing or otherwise submitting a credit application. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time. (7) UTAH RESIDENTS: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

ELIGIBILITY:
In order to be eligible to apply for a Card Account: (i) you must be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States or the District of Columbia; (ii) you must have a PLS bank account in good standing; and (iii) your PLS bank account must have received one or more of the following deposits or transfers totaling at least $100 in the immediately preceding 30 days: (a) direct deposits of payroll or government benefits, (b) transfers via the Automated Clearing House Network from an eligible bank account in your name at a U.S. financial institution (“External Bank Account”), or (c) transfers via the network associated with a Visa or Mastercard-branded debit card that is linked to your External Bank Account. In addition, if you applied for a Card Account and your application was declined or if you had a Card Account and it was closed, you will not be eligible to apply for a new Card Account until six months after your application was declined or your Card Account was closed, as applicable. If you previously had a Card Account and were in Default (as defined below) under this Agreement, your eligibility may be affected. Every applicant, regardless of marital status, can apply for a separate Card Account.

SECURED ACCOUNT; PROVISION OF SECURITY DEPOSIT:
The Card Account is a secured credit card account that is secured by a security deposit account that you are required to establish and maintain in order to open your Card Account (the “Security Deposit Account”). In consideration of the creation of the Card Account and the issuance of the associated card, you agree to pay a security deposit of at least $100 from your PLS bank account within 90 days of the approval of your application, in accordance with the terms of the Security Agreement. You may not make any withdrawals from the Security Deposit Account that will result in a balance of less than $100 while it secures your Card Account.

MILITARY ANNUAL PERCENTAGE RATE DISCLOSURE

Federal law provides important protections to active duty members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear this same disclosure and for a general description of your payment obligations for this credit card account, call the following toll-free number (855) 459-1334.

THE CARD ACCOUNT AND THE SECURITY DEPOSIT ACCOUNT ARE ONLY AVAILABLE ELECTRONICALLY:
The Card Account and the Security Deposit Account are only available electronically. That means that, in order for you to open the Card Account and the Security Deposit Account, you must agree to receive all disclosures electronically. If you do not have the systems needed to receive disclosures electronically, we cannot provide the Card Account or the Security Deposit Account to you. Refer to the Electronic Communications Agreement for more information.

APPLICATION AGREEMENT:
By applying for a Card Account, you agree that:

1. All information provided in your application is true, correct, and complete and you have the legal capacity to enter into this contract.

2. PLS is authorized to verify or check any of the information given and to obtain credit reports on you. You authorize PLS to obtain information from others to investigate your credit, employment, and income history and state records, including state employment security agency records, and to report information regarding your Card Account to consumer reporting agencies.

3. Your Card Account will be secured by a Security Deposit Account.

4. PLS will open the Security Deposit Account in your name. The Security Deposit Account does not earn interest. We may change these terms at any time by adding new terms or deleting or amending current terms, subject to applicable law and any required notices. The amount deposited by you (subject to any minimum requirement) in the Security Deposit Account will be used as collateral to secure the obligations to PLS that you incur from time to time in connection with your Card Account.