Account Agreement & Fee Schedule

This document, as amended or supplemented by any associated disclosures (collectively, this “Agreement”), contains the general terms, conditions and disclosures for the Evolve Bank & Trust secured account (the “Secured Account”) and the charge card (the “Charge Card Account”), as well as an associated security agreement securitizing the Secured Account as collateral for the Charge Card Account, and constitutes an agreement between the Bank (as defined below) and you. For purpose of this Agreement, the term “Secured Account” may also collectively include Sub-Deposit Secured Accounts of such Secured Account.

• How We Will Calculate Balances: This is a Charge Card Account, which means the Account Balance must be paid in full every Billing Cycle. To calculate your Account Balance, we add the transactions on your Charge Card Account in the Billing Cycle to any outstanding balance from the previous Billing Cycle, and subtract any payments and credits received during the Billing Cycle. See the “Your Payment Due Each Billing Cycle” section of the Charge Card Account terms for more details.
• Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included in this Agreement. See the “Your Billing Rights” section of the Charge Card Account terms for full details.
• Can You Change My Account Terms? We can change the terms of your Charge Card Account as permitted by law. When required by law, we will send you notice before doing so.
• Military Lending Act Notice: Federal law provides important protections to 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 charge card account). To receive this information and a description of your payment obligation, please call 1-888-557-0936.