Terms & Conditions

Sable Bank Account & Debit Card Terms & Conditions

Provided By Coastal Community Bank

This Account Agreement is effective October 30, 2020. 

Your account(s) is issued and operated by Sable Money, Inc. If you have any questions about this notice, please contact us at help@sablecard.com. 

IMPORTANT – Please read this carefully and retain this Account Agreement with your records for future reference.

Terms and Conditions 

WELCOME TO YOUR Sable Bank Account and Debit Card! This Account Agreement (the “Agreement”) contains the rules  that govern, where appropriate, your account(s) and card(s) with Sable Money, Inc. (“Sable”)). 

As used in this Agreement, “we,” “us,” and “our” mean, Sable as the facilitator and Coastal Community Bank or “Bank” as the  FDIC insured depository institution The cash balances in your account(s) with Sable Money, Inc. are held by Coastal  Community Bank - This agreement is subject to applicable federal laws, and the laws of the State of Washington. 

Your debit card is issued by Coastal Community Bank (“Coastal Community” or “Bank”), an FDIC insured depository  institution, pursuant to a license by MasterCard International.  

Definitions 

The words “you” and “your” mean each account owner and anyone else with authority to deposit, withdraw, or exercise control  over an account. If there is more than one owner, then these words mean each account owner separately, and all account owners  jointly. 

An “owner” is one who has the power to deal with an account in his, her or its own name. 

An “agent,” in contrast, is one whose power to withdraw from an account comes from or is on behalf of the owners. Authorized  signers, attorneys-in-fact, and convenience signers are examples of agents. 

“Personal accounts” are accounts in the names of natural persons (individuals). They are to be distinguished from “non-personal  accounts” which are accounts in the name of corporations, partnerships, trusts and other entities. 

“Deposit Account” means any bank account opened with Sable.  

“Bank account” is a type of Deposit Account with bill pay and debit card capabilities. It is not an account through which you are  permitted to purchase securities.  

“Card” means the Sable MasterCard debit card which is issued by Coastal Community in the name of the Cardholder for carrying  out of all Card Transactions from an account held with Sable, as provided for in these Account Agreement Terms and Conditions. 

“Cardholder” means the person in whose name an Account has been opened and in whose name a Card is issued. 

“Card Transactions” means any payment made for goods or services, cash withdrawals from a bank or financial institution  (including ATM withdrawals) or transfer of funds made through the use of the Card or the Card number. 

“Service” means a Deposit Account, Bill Payment service, Funds Transfer service, or any other financial product or service  available through Sable. 

Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so that the singular  includes the plural and the plural includes the singular. 

Consent to Terms and Conditions and Modifications 

By enrolling in services or applying for an account with Sable, you agree to be bound by the terms and conditions of the account  and any fees that may be imposed. The terms and conditions of your account include this Agreement, any disclosures we give  you when you open your account, subsequent disclosures we provide when using additional products and services, periodic  statements, user guides, our Privacy Policy, and any other disclosure or terms we provide to you. Continued use of your account 

means you agree to these terms, you agree to pay the fees listed, and you give us the right to collect the fees, as earned, directly  from your account balance or any linked external accounts. 

Modifications 

We may amend or change any terms of this Agreement or any account disclosures and documents provided to you. Notice of the  amendment or change will be provided to you as required under applicable law. 

If at any time the terms, conditions or fees associated with your account are not acceptable to you, you may terminate this  Agreement by closing your account after paying any fees or charges owed to us. We may cancel or suspend your account, debit  card, or other account services at any time. 

Business Days 

For purposes of these disclosures, our business days are Monday through Friday, unless stated otherwise. Federal holidays are not  included. 

Identification Notice (USA PATRIOT ACT) 

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. 

This means that when you open an account or use our services, we will ask for your name, physical address, date of birth and  other information that will allow us to identify you. We may also ask to see other identifying documents such as driver's license  or other documents that validate your identity. 

Even if you have been an existing customer of ours, we may ask you to provide this kind of information and documentation  because we may not have collected it from you in the past or we may need to update our records. 

If, for any reason, any owner is unable to provide the information necessary to verify their identity, your account(s) may not be  opened, may be blocked or closed. 

You are responsible for the accuracy and completeness of all information supplied to us in connection with your account and/or  account services and for keeping your personal data with us updated if you move or otherwise make changes to your personal  data. 

General Terms and Conditions 

Who Can Use the Service 

Only individuals 18 years of age or older who can form a legally binding contract in the United States can use our Services. We  may impose other restrictions as well. 

Personal Accounts 

An account opened for personal use cannot be used for business purposes. If your personal account is identified as being used as  a business account, business-related transactions will be reversed at our discretion, your account privileges will be suspended,  and your account may be closed if the business related activities continue. 

Overview of Sable Services 

Sable is a digital banking platform and a full-suite banking solution for internationals in the U.S., providing access to U.S. bank  accounts, debit and credit cards. Sable has started with launching core banking products - checking, debit cards, and credit cards  and may expand down the financial stack into any service an International may struggle with when new to the country.  Newcomers to the U.S. can open a Sable account which is available on iOS and Android. 

Sable will be offering Bank accounts in connection with other products, such as debit cards, remote deposit capture and bill pay  functionality. Some services may not be immediately available and will be made available to consumers at Sable’s discretion. 

Coastal Community Bank 

We have partnered with Coastal Community Bank, an FDIC insured depository institution, to offer you certain banking Services.  When you sign up for an Account with us, you agree to Coastal Community Bank’s Privacy Notice through this agreement. You  authorize us to share any of your information with Coastal Community Bank. It is your responsibility to make sure data you  provide us is accurate and complete. Because Coastal Community Bank has its own contractual rules governing use of its  services, you must accept Coastal Community Bank’s Privacy Notice https://www.coastalbank.com/privacy-notice.html before  opening your Account.

Sable will provide you with any and all notifications as well as all customer support related to your Account. Please contact us if  you have any questions at help@sablecard.com.. 

Connected Accounts 

To ensure a more valuable experience with Sable, Sable uses Plaid Technologies, Inc. (“Plaid”) to gather your data from external  financial institutions/bank accounts you connect via the Sable App. By using our service, you grant Sable and Plaid the right,  power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant  financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy at plaid.com/legal. 

Account Balances 

You agree to maintain a positive balance and not to incur overdrafts. If you manage your account in such a way that it results in a  negative balance or becomes overdrawn, you agree to rectify the matter by transferring sufficient funds from your linked internal  or external account to repay the overdrawn balance. Your failure to bring your account to a positive balance could result in the temporary or permanent suspension of your Account and services. Further consequences may be enacted if you do not remedy  the situation in a timely manner and may include: (1) the reporting of your negative balance to a reporting agency; (2) legal  action; and/or (3) charging you fees for the overdraft in accordance with our Schedule of Fees.

Confidentiality 

We will disclose information about your account or the transactions you make to third parties: 

Account Closing 

If you wish to close your account with us, you agree to withdraw all of the funds from your account and we may require you to notify us of this intention in writing. After an Account is closed, we have no obligation to accept deposits or pay outstanding  items but may do so at our discretion. You agree to hold us harmless for refusing to honor any item on a closed account. If funds  remain in the account after you have notified us of your intent to close your account, we will require you to submit your request  to us in writing and we will return any remaining funds to your linked external account. Any related closing fees will be  deducted from the final balance. 

Foreign Activity 

If you have moved outside of or have extended stays outside the United States, you may be contacted about the international  activity in your account and for further verification of your address. If you are moving, traveling, or will be temporarily residing  overseas, we recommend you contact us to prevent any disruption in your account activity. Your account may be closed if you no  longer reside in the United States. 

Inactive and Dormant Accounts 

We may consider a Deposit Account to be “inactive” after a period of no owner-initiated activity (120 days). After a period of  “inactive” status (120 days), we may consider a bank Account to be “dormant”, at which time it will be closed and funds sent  back to your linked external account.  

If the account becomes inactive or dormant, the account will continue to be subject to any service charges in accordance with our  schedule of fees. If an account becomes inactive we will notify you with specific instructions on how to restore the account to an  active status. 

Death or Incompetence 

You or your appointed party, designee, or appointed individual agree to notify us promptly if any agent or person with signatory  rights on your account dies or becomes legally incompetent or incapacitated. We may continue to honor any items submitted until  (a) we know of the fact of death or of a legal determination of incompetence or incapacitation and (b) we have had a reasonable  opportunity to act on that knowledge. You agree that, even if we have knowledge of death of an agent or person with signatory  rights, we may pay on items drawn on or before the date of death for up to 10 days after that date, unless ordered to stop payment  by someone claiming an interest in the account. We may require additional documentation to confirm any claims made on the  account.

Levies, Garnishments, and Other Legal Processes 

If we are served with a legal action, such as a subpoena, writ of attachment, levy garnishment, search warrant or similar order, we  will comply with that legal action. In our discretion, we reserve the right to refuse to pay any money from your account,  including checks or other items presented for payment, until the action is resolved. If we are required to pay an attachment, garnishment or tax levy, we will not be liable to you. Payment is made after satisfying any fees, charges or other debts owed to  us. You agree that you are responsible for any expenses, including legal expenses and fees we incur due to a garnishment, levy or  attachment on your account. We may charge these expenses to your account. Until we receive the appropriate court documents,  we may continue to process transactions against your account, even if we have received an unofficial notification of an adverse  claim. You will indemnify us for any losses if we do this. 

Withdrawals from Accounts 

General 

Unless otherwise indicated by us, anyone who is listed as an account owner, or is assigned Power of Attorney privileges may  withdraw or transfer all or any part of the account balance at any time on forms approved by us or with your debit card, through  Bill Pay, or other available Services. 

We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or  that exceeds any frequency or monetary limitations. Even if we honor a nonconforming request or allow a transaction or  transaction(s) to overdraw your account, these may force us to close the account. We will use the date a transaction is completed  by us (as opposed to the day you initiated it) to apply the frequency limitations. 

Deposits to Accounts 

All items deposited will be handled by us as an agent for you. Any monetary items mailed to us will be refused and returned to  you. We reserve the right to charge back to your account the amount of any item deposited to your account which was initially  paid by the payor bank and later returned to us due to an allegedly forged, unauthorized or missing endorsement, claim of  alteration, encoding error or other problem which in our judgment justifies reversal of the credit. 

Automated Clearing House Deposits 

In order to transfer funds from an account that you own or have control of at another financial institution to your account at Sable  using the Automated Clearing House (“ACH”) Funds Transfer service, we use a service called Plaid Technologies, Inc. (“Plaid”)  to gather your data from external financial institutions you connect via the Sable App. By using our service, you grant Sable and  Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the  

relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by  Plaid in accordance with the Plaid Privacy Policy at plaid.com/legal. ACH transactions will not be processed and accessible until  the service is activated by us. Funds from these types of deposits will not be available until after the funds have settled. 

Cash Deposits 

Sable accepts cash deposits via the Mastercard rePower® network. Funds deposited via this method will be made available  within 24 hours of the deposit for use. The Mastercard rePower® daily limit is $500.00. Please do not send cash deposits  through the mail. In the event that a cash deposit is received for your Account, you agree that Sable’s determination of the  amount of the deposit will be final. We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not  received by us. 

Direct Deposits 

You may initiate direct deposits by providing your employer or government benefits administration with our Routing Number  and your Account number, which can be found by logging in to the Sable App. If we deposit any amount into your account which  should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the  Federal Government from your account, without prior notice and at any time, except as prohibited by law. We may also use any  other legal remedy to recover the amount of our liability. 

If a direct deposit posts to your account and is later found to be made payable to someone other than yourself or another account  owner listed in our records, the amount of the deposit will be deducted from your account and returned to the originator without  prior notice to you. 

Mobile Deposits 

All checks submitted for deposit must be made payable to you. We do not accept third-party checks. We do not accept deposits in  foreign funds or checks drawn on banks outside the United States. We reserve the right to reject a deposit if it is made payable to  Sable or Coastal Community Bank. We reserve the right to refuse any other type of deposit if we believe it is fraudulent, will not  

be paid, it is not made payable to you, or is otherwise suspicious in nature. We will not be held liable if such action causes  outstanding items to be dishonored and returned, or payment orders to be rejected. 

You agree to properly endorse all items captured and submitted using the Mobile Deposit Service. This should include a  signature(s) from the named payee(s). It is also recommended that you write “For Sable Mobile Deposit Only.” You agree, after  you submit an item for deposit using the mobile deposit service, you will not redeposit, otherwise transfer, or negotiate the  original item. 

For checks sent via mobile deposit, the check shall not be considered to have been received by us until we have received the valid  electronic check image file. Limits to the number of mobile deposits permitted and the amount of funds that can be deposited are  imposed for security reasons. For this purpose, we may not readily disclose those limits to you. 

All deposits will be credited to your account in accordance with our Funds Availability Policy. 

Account Closing 

If you wish to close your account with us, you agree to withdraw all of the funds from your account and we may require you to notify us of this intention in writing. After an Account is closed, we have no obligation to accept deposits or pay outstanding  items but may do so at our discretion. You agree to hold us harmless for refusing to honor any item on a closed account. If funds  remain in the account after you have notified us of your intent to close your account, we will require you to submit your request  to us in writing and we will return any remaining funds to your linked external account. Any related closing fees will be  deducted from the final balance. 

Foreign Activity 

If you have moved outside of or have extended stays outside the United States, you may be contacted about the international  activity in your account and for further verification of your address. If you are moving, traveling, or will be temporarily residing  overseas, we recommend you contact us to prevent any disruption in your account activity. Your account may be closed if you no  longer reside in the United States. 

Inactive and Dormant Accounts 

We may consider a Deposit Account to be “inactive” after a period of no owner-initiated activity (120 days). After a period of  “inactive” status (120 days), we may consider a bank Account to be “dormant”, at which time it will be closed and funds sent  back to your linked external account.  

If the account becomes inactive or dormant, the account will continue to be subject to any service charges in accordance with our  schedule of fees. If an account becomes inactive we will notify you with specific instructions on how to restore the account to an  active status. 

Death or Incompetence 

You or your appointed party, designee, or appointed individual agree to notify us promptly if any agent or person with signatory  rights on your account dies or becomes legally incompetent or incapacitated. We may continue to honor any items submitted until  (a) we know of the fact of death or of a legal determination of incompetence or incapacitation and (b) we have had a reasonable  opportunity to act on that knowledge. You agree that, even if we have knowledge of death of an agent or person with signatory  rights, we may pay on items drawn on or before the date of death for up to 10 days after that date, unless ordered to stop payment  by someone claiming an interest in the account. We may require additional documentation to confirm any claims made on the  account.

Levies, Garnishments, and Other Legal Processes 

If we are served with a legal action, such as a subpoena, writ of attachment, levy garnishment, search warrant or similar order, we  will comply with that legal action. In our discretion, we reserve the right to refuse to pay any money from your account,  including checks or other items presented for payment, until the action is resolved. If we are required to pay an attachment, garnishment or tax levy, we will not be liable to you. Payment is made after satisfying any fees, charges or other debts owed to  us. You agree that you are responsible for any expenses, including legal expenses and fees we incur due to a garnishment, levy or  attachment on your account. We may charge these expenses to your account. Until we receive the appropriate court documents,  we may continue to process transactions against your account, even if we have received an unofficial notification of an adverse  claim. You will indemnify us for any losses if we do this. 

Withdrawals from Accounts 

General 

Unless otherwise indicated by us, anyone who is listed as an account owner, or is assigned Power of Attorney privileges may  withdraw or transfer all or any part of the account balance at any time on forms approved by us or with your debit card, through  Bill Pay, or other available Services. 

We reserve the right to refuse any withdrawal or transfer request that is attempted by any method not specifically permitted or  that exceeds any frequency or monetary limitations. Even if we honor a nonconforming request or allow a transaction or  transaction(s) to overdraw your account, these may force us to close the account. We will use the date a transaction is completed  by us (as opposed to the day you initiated it) to apply the frequency limitations. 

Deposits to Accounts 

All items deposited will be handled by us as an agent for you. Any monetary items mailed to us will be refused and returned to  you. We reserve the right to charge back to your account the amount of any item deposited to your account which was initially  paid by the payor bank and later returned to us due to an allegedly forged, unauthorized or missing endorsement, claim of  alteration, encoding error or other problem which in our judgment justifies reversal of the credit. 

Automated Clearing House Deposits 

In order to transfer funds from an account that you own or have control of at another financial institution to your account at Sable  using the Automated Clearing House (“ACH”) Funds Transfer service, we use a service called Plaid Technologies, Inc. (“Plaid”)  to gather your data from external financial institutions you connect via the Sable App. By using our service, you grant Sable and  Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the  

relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by  Plaid in accordance with the Plaid Privacy Policy at plaid.com/legal. ACH transactions will not be processed and accessible until  the service is activated by us. Funds from these types of deposits will not be available until after the funds have settled. 

Cash Deposits 

Sable accepts cash deposits via the Mastercard rePower® network. Funds deposited via this method will be made available  within 24 hours of the deposit for use. The Mastercard rePower® daily limit is $500.00. Please do not send cash deposits  through the mail. In the event that a cash deposit is received for your Account, you agree that Sable’s determination of the  amount of the deposit will be final. We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not  received by us. 

Direct Deposits 

You may initiate direct deposits by providing your employer or government benefits administration with our Routing Number  and your Account number, which can be found by logging in to the Sable App. If we deposit any amount into your account which  should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the  Federal Government from your account, without prior notice and at any time, except as prohibited by law. We may also use any  other legal remedy to recover the amount of our liability. 

If a direct deposit posts to your account and is later found to be made payable to someone other than yourself or another account  owner listed in our records, the amount of the deposit will be deducted from your account and returned to the originator without  prior notice to you. 

Mobile Deposits 

All checks submitted for deposit must be made payable to you. We do not accept third-party checks. We do not accept deposits in  foreign funds or checks drawn on banks outside the United States. We reserve the right to reject a deposit if it is made payable to  Sable or Coastal Community Bank. We reserve the right to refuse any other type of deposit if we believe it is fraudulent, will not  

be paid, it is not made payable to you, or is otherwise suspicious in nature. We will not be held liable if such action causes  outstanding items to be dishonored and returned, or payment orders to be rejected. 

You agree to properly endorse all items captured and submitted using the Mobile Deposit Service. This should include a  signature(s) from the named payee(s). It is also recommended that you write “For Sable Mobile Deposit Only.” You agree, after  you submit an item for deposit using the mobile deposit service, you will not redeposit, otherwise transfer, or negotiate the  original item. 

For checks sent via mobile deposit, the check shall not be considered to have been received by us until we have received the valid  electronic check image file. Limits to the number of mobile deposits permitted and the amount of funds that can be deposited are  imposed for security reasons. For this purpose, we may not readily disclose those limits to you. 

All deposits will be credited to your account in accordance with our Funds Availability Policy. 

Mobile Wallet 

When you add a Card to a Wallet you agree to the following Terms: 

1. A card can be added to your Wallet by following the instructions of the Wallet provider (i.e. ApplePay, GooglePay,  SamsungPay, etc). A card can be added to multiple Wallets and on multiple devices as long as it is eligible to do so.  These terms, and the terms of the Wallet provider and any Service Providers (i.e. third-party wireless companies),  cross over your Card regardless of which Wallet it is added to. No card can be used if it has been cancelled. 

2. The overall terms of this Account Terms and Conditions do not change when a card is added to a Wallet. In addition,  any applicable fees that apply to your account apply to activity done through your Wallet as well.  3. When you card is added to your Mobile Wallet it can be used to make purchases wherever Mobile Wallets are  accepted. Mobile Wallets may not be accepted everywhere that your Debit Card is accepted. 

4. As part of your use of your Wallet you agree to protect and keep confidential your User ID, passwords and all other  authentication information required for use of your Card in your Wallet(s). 

5. All questions or complaints about Wallet specific functions or security should be directed to the Wallet provider. All  transaction related questions should continue to be directed to Sable. 

Deposited Items Returned 

If final payment is not received on any item you deposited to your account, or if any direct deposit, ACH deposit or Electronic  Fund Transfer to your account is returned to us for any reason, you agree to pay us the amount of the return. 

We may charge any account of which you are an owner or re-present any item you deposit with us that is returned to us unpaid  without prior notice to you. We may charge a fee for returned deposited items in accordance with our Schedule of Fees. 

You authorize us to attempt collection of previously returned items that you deposited. In our attempts to collect these items, you  agree that we may allow the payor bank (the bank on which the item is drawn) to hold the item beyond its midnight deadline.  

If a claim is made on any item subsequent to final payment on the grounds that the item was altered, bears a forged or  unauthorized endorsement, or was not otherwise properly payable, we may withhold credit for the item from your account until  final determination of the claim. In addition, we will not be liable for a check, draft or other item that you deposit that has been  forged or altered in such a way that a reasonable person could not discover the forgery. 

Funds Availability 

Funds Availability Policy 

Information contained in this section is to assist you in understanding our Funds Availability Policy. Sable does not accept in person or mailed deposits. 

General Policy 

It is our policy to review each deposit and determine how the funds are being deposited. We make the funds available to you  according to the deposit type and when the funds are applied to your account. Some deposit types may not be available for  immediate use. When we delay the availability of funds or place a hold on a deposit made to your account, you may not withdraw  those funds, and we will not use them to pay bills or other debits, such as ACH withdrawals or wire transfers, during the hold  period. 

We reserve the right to refuse any deposit. If final payment is not received on any item you deposited to your account, or if any  direct deposit, ACH deposit or Electronic Fund Transfer to your account is returned to us for any reason, you agree to pay us the  amount of the return, plus any fee in accordance with our Schedule of Fees.

Availability 

The length of delay in the availability of funds varies depending on the type of deposit. Special rules may apply to new accounts. 

Business Days 

The length of delay in the availability of funds is counted in business days from the day your deposit is applied to your account.  Deposits received after 4:00PM (PST) will be considered to be received on the next business.  

Same-Day Availability 

Funds from wire transfers, transfers between Sable accounts, preauthorized electronic payments such as payroll direct deposits,  or other preauthorized electronic payments will be available on the day the deposit is applied to your account. 

Funds from Customer-initiated electronic payments or transfers will be applied to the account when Sable has verified the  external account and received payment in collected funds. Once the funds are applied to your account, they will have same-day  availability. 

Check deposits 

Funds you deposit by check may be delayed for a longer time period based on our review of the check and your account  history. They will generally be available no later than the fifth business day after the day of your deposit. 

If you need to be sure when a particular deposit will be available for withdrawal, you can verify the availability of your deposit  by emailing us at help@sablecard.com. or calling us at 833-583-8383. 

Special Rules for New Accounts 

Special rules may apply during the first 30 days of any new account you open with Sable: 

● All check deposits may be held for an extended period of time but no longer than nine business days after deposit is  received. 

Electronic Fund Transfer (“EFTs”) Disclosures 

We offer account services that may be considered “Electronic Fund Transfers,” including, but not limited to, ATM transactions;  ACH transactions, including, but not limited to, direct deposits and pre-authorized withdrawals; and online transfers. This  disclosure (as required by Federal Regulation E: Electronic Fund Transfer Act) provides information that describes your rights  and responsibilities regarding these services. The Electronic Fund Transfer services are services that we can provide, assuming  that you specifically request and arrange them and qualify for the service. 

Card Activation 

You must activate your Card in accordance with the instructions provided with your Card before it can be used. You will need to  provide your personal and card information in order to verify your identity and activate your card.  

ATM and Debit Card Transactions 

Your Sable Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by MasterCard Incorporated.  

Consistent with applicable law, you may use your debit card with your signature or PIN to perform most routine transactions on  the accounts that are accessible by your debit card, such as to: 

● Make cash withdrawals 

● Obtain your most recently available account balance 

● Pay for purchases at places that have agreed to accept the card 

Some of the above services may not be available at all ATMs or locations. 

Authorized Card Users 

You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to  have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all  transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and  conditions of this Agreement. 

International ATM Transactions 

International transactions made using your debit card will be converted to U.S. currency according to the rules and regulations of  the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the  currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. 

ATM Deposits 

Your Sable debit card does not permit deposits at ATMs. 

Debit Card Point-of-Sale Transactions 

You may use your debit card to purchase goods and services and/or obtain cash where permitted by the merchant, from any  merchant who accepts Mastercard. The merchant may require your signature instead of your PIN to authorize the purchase  request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase  goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained,  will be deducted from your bank account. When you make a purchase through the Card network, we may place a hold on the  funds in your bank account in the amount that may be necessary to cover the amount of the transaction.  

Transactions Using Your Card Number 

If you initiate a transaction without presenting your Card (such as for mail order, internet or telephone purchase, a Prefunded  Check purchase or an ACH debit purchase), the legal effect will be the same as if you used the Card itself. 

Limitations on Frequency of Debit Card Transactions and Cash Withdrawal Limits 

Frequency of use limitations are imposed on card transactions for security reasons and for the protection of your account. You  will be denied the use of your card if: 

● You exceed the daily ATM withdrawal or purchase limit; 

● You do not have sufficient available funds in your account; 

● You do not enter your correct PIN; or 

● You exceed the limit on the number of times you can use your card each day. 

The receipt provided by the ATM or merchant terminal will notify you of the denial. There is a limit on the number of such  denials permitted, beyond which the machine may retain your card. The number of attempts that will cause the retention of your  card is also not disclosed for security reasons. 

You may not withdraw more than $750.00 cash at an ATM or during a POS purchase daily (subject to merchant limits) or  purchase more than $5,000 worth of goods or services on any calendar day.  

Preauthorization Holds 

When your debit card or other network enhancement feature related to the card is used at a point-of-sale location to obtain goods  or services or obtain cash, the merchant may attempt to obtain a pre-authorization from us for the transaction. We may place a  hold on your account for the amount of the preauthorization request for a duration based on the vendor type. This can range from  2 days to 30 days and may vary in some cases from the amount of the actual purchase, depending on the merchant’s request. If  the preauthorization request varies from the amount of the actual transaction, payment of the transaction may not remove the  hold, which will remain on the account until the end of the hold period. This hold may affect the availability of funds from your  bank account to pay checks or for other Electronic Fund Transfers. We will not be responsible for damages for wrongful dishonor  of any items that are not paid because of the hold. 

Preauthorized (ACH) Debits or Credits 

You may arrange to have certain recurring payments automatically deposited (credited) to your account. Examples of this service  include the direct deposit of Social Security and other government payments, and the direct deposit of your payroll. If you have  arranged to have direct deposits made to your account at least one every sixty (60) days from the same person or company, you  can contact us at help@sablecard.com. to find out whether or not the deposit has been made. 

You may arrange to have certain recurring withdrawals automatically paid (debited) from your account. For example, you may  arrange to have insurance premiums paid automatically. 

These preauthorized transfers are governed by federal regulations pertaining to Electronic Fund Transfer services that entitle you  to certain protections. Requests for these services must be authorized by you, in writing, to the Originator of the transaction prior  to becoming effective. 

Right to Stop Preauthorized Electronic Transfers (ACH) 

If you want to permanently revoke an ACH you authorized from a third party, you will need to send written instructions to the  originating third party to cancel your ACH transfer. To stop payment on an ACH originated transaction a written request must be  sent to help@sablecard.com. 

If you have authorized regular payments out of your account, you can stop any of these payments by notifying Customer Service by telephone at 833-583-8383 or email. If you notify us by telephone, you may be required to confirm the information provided  by writing to us at help@sablecard.com.

Your request must include your account number, the name of the payee, the amount of the item to be stopped, and the date  payment was scheduled to be made. This request needs to be received by us three (3) or more business days before the payment is  scheduled to be made. We may also require you to send your request in writing.  

You are subject to the general rules of Stop-Payment Orders in this Agreement. 

Stop Payment Liability 

If you request that we stop payment on any preauthorized transfer according to the requirements above and we fail to do so, we  will be liable for your proven loss or damages, unless: 

● You failed to give us enough information, proper instructions or sufficient time to act on the stop payment; or ● We do not receive written confirmation of your telephone or email request to stop payment within 14 calendar days, and the  preauthorized transfer occurs after the 14 calendar days. 

In any case, we will only be liable for actual proven damages if the failure to stop payment on your transaction resulted from a  bona fide error on our part, despite our procedures to avoid such errors. If we pay a preauthorized transfer despite your valid and  timely stop order request, we may re-credit your account. If we do this, you will sign a statement describing the dispute with the  payee. You agree to transfer to us all of your rights against the payee. In addition, you will assist us in any legal action taken  against the payee. 

Additionally, if you want to permanently revoke a recurring preauthorized electronic transfer, you will need to first send written  instructions to the originating third party to cancel your preauthorized transfer. We may ask you to provide us with a copy of your  letter to the originating third party and sign an Affidavit revoking authorization. To stop payment on an ACH originated  transaction a written request must be sent to help@sablecard.com. 

Our Liability for Failure to Complete an Electronic Fund Transfer 

If we fail to complete an Electronic Fund Transfer transaction on time or in the correct amount when properly instructed by you,  we will be liable for damages caused by our failure unless: 

1. There aren’t sufficient funds in your account to complete the transaction through no fault of ours. 2. The funds in your account aren’t available at the time the EFT posts to your account. 

3. The funds in your account are subject to legal process; 

4. The ATM system has insufficient cash to complete the transaction; 

5. Your card has been reported lost or stolen and you are using the reported card; 

6. We have a reason to believe that the transaction requested is unauthorized; 

7. The failure is due to an equipment breakdown that you knew about when you started the transaction at an ATM or  merchant terminal; 

8. You attempt to complete a transaction at an ATM or merchant terminal that is not a permissible transaction listed above; or 9. The transaction would exceed security limitations on the use of your debit card. 

In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from an honest error  despite our procedures to avoid such errors. 

Unauthorized Transfers 

Tell us immediately, either via the Sable application or by contacting Customer Service at 833-583-8383 if you believe your  debit card and/or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your  permission. Contacting us by phone 833-583-838 or email at help@sablecard.com. is the best way to keep your potential losses  down. You could lose all the money in your account! 

If you tell us within 2 business days after you learn of the loss or theft of your debit card and/or PIN, you can lose no more than  $50 if someone used your debit card and/or PIN without your permission. 

If you do NOT tell us within 2 business days after you learn of the loss or theft of your debit card and/or PIN, and we can prove  we could have stopped someone from using your debit card and/or PIN without your permission if you had told us, you could  lose as much as $500. 

Also, if your statement shows transfers that you did not make, including those made by card or other means, tell us at once. If you  do not tell us within 60 days after your account statement is made available to you, you may not get back any money you lost  after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If  extenuating circumstances kept you from telling us, we may extend the time periods at our sole discretion.

You may be required to confirm the information provided over phone or email in writing. In these cases, we will advise you  accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the  signed form. 

Errors or Questions and How to Contact Us 

In case of errors or questions about your Electronic Fund Transfers, you agree to promptly contact Customer Service by  telephone 833-583-8383 or email at help@sablecard.com. You may be required to confirm the information in writing within 10  business days. In these cases, we will advise you accordingly, provide you the necessary forms for confirming your dispute in writing, and give you instructions for sending us the signed form. 

  

If you believe an Electronic Fund Transfer transaction was processed in error or was unauthorized, or if you need more  information about a transfer listed on your statement or receipt, you must contact Sable no later than 60 days after the problem or  error first appeared on your statement. 

In your communication with us, please provide the following information: 

● The account name, account number, and last four digits of the debit card number, if applicable; ● A description of the suspected error or the transfer about which you are unsure, why you believe there is an error, or why  you need more information; 

● The dollar amount of the suspected error; and 

● The date of the suspected error. 

When we receive your dispute notification, we will advise you of the status of our investigation within 10 business days. In all  cases, we will correct any error promptly. 

If we need more time to investigate your question or complaint, we may take up to 45 calendar days for ATM transactions (other  than international transactions) and ACH transactions. For errors involving new accounts within 30 calendar days after the first  deposit, point-of-sale transactions or foreign-initiated transactions, we may take up to 90 calendar days to investigate your  complaint or question. If this is necessary, we will provisionally credit your account for the amount you believe is in error within  10 business days of your original complaint or question, so that you will have the use of the money during the time it takes us to  complete our investigation. If we do not receive your written confirmation of your questions or complaint within 10 business  days, we may decide not to provisionally credit your account. 

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 calendar days to  investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the  amount you think is in error. 

We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies  of the documents we used in our investigation. If provisional credit was given and it is determined that there was no error, you  must repay to us the amount of the provisional credit for the disputed item(s). You will have access to those funds for five (5)  business days, and then we may deduct such amounts from your account without further notice. 

Debit Card Revocation 

You agree that your debit card remains the property of Coastal Community Bank and shall be surrendered upon demand. The  card is non-transferable, and it may be canceled, reposed, or revoked at any time without prior notice subject to applicable law. 

If you do not use your debit card for an extended period, defined by Sable as 90 days, or we believe the card may be lost/stolen or  is being used improperly, it may be canceled for security reasons and will be unusable. This may occur without prior notice to  you. 

If your card is reissued or reactivated, we may charge you a fee for its reissue/replacement in accordance with our schedule of  fees. 

Fees and Charges 

You will pay any applicable fees and charges we assess for your Card services and/or other electronic services that you select.  Applicable fees will be deducted from your account and listed on your account statement. These charges and fees are assessed in  accordance with our schedule of fees. 

ATM 

We will not charge you a fee to use your Card at any ATM, however, operators of ATMs and cash dispensing devices, their  Networks, and merchants may charge you a fee for this use including for a balance inquiry even if you do not complete a  withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed or  controlled by us. This ATM fee amount will be charged to your Account.

FOREIGN TRANSACTIONS 

We do not charge a fee for foreign transactions. Mastercard charges a foreign transaction fee on international transactions.  

If you obtain funds or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of  your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction  currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of  rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard  itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be  different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge  you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (1%) of the U.S. dollar amount of any  International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by  Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International  Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or  credited back to your Account. 

PIN, Passwords, and Passcodes 

Card PIN 

You will be prompted to assign a 4-digit card PIN for your Sable debit card. You may change the PIN at any time by accessing  the card PIN change process through the mobile application. 

Password and Passcode 

You will be prompted to establish a password (Login Credentials) during your Sable enrollment. Depending on your mobile app  settings, you may be required to enter your full password for subsequent logins to the Sable mobile app to view your account(s),  card information, and other Sable Services. Your Sable password may be changed at any time after you’ve signed into your  mobile app session and following the steps for resetting your Password, available through the “forgot your password”  option. We at Sable encourage all customers to secure their Sable application using advanced security. This can be done by: • Verifying your personal mobile number for two-factor authentication of sensitive transactions • Enabling Touch ID or Face ID if supported by your mobile device 

• Choosing a strong/complex password that is unique to Sable (i.e. do not use shared passwords) • Not sharing login credentials with others, and 

• Using a password manager where possible 

Your Login Credentials and PIN are identification methods that are both personal and confidential. You are required to use your  PIN with your debit card at an ATM or POS merchant terminal. It is a security method by which we help you maintain the  security of your account. Your Login Credentials are another security method that maintains the security of your account and the  transactions you process through the mobile app. 

Therefore, you agree to take all reasonable precautions to protect the confidentiality of your Login Credentials, PIN and/or other  access devices. Further, you agree that you will not reveal your Login Credentials, PIN, or any other device access information to  any person not authorized by you to use your debit card; not write your PIN or Login Credentials on your card or on any item  kept with your debit card; and not leave your mobile or other device unattended after you have logged on using your Login  Credentials. 

Funds Transfer Service 

“Funds Transfer” is an electronic transfer service provided by Sable and powered by Coastal Community Bank that enables you  to securely transfer funds from an account at another financial institution to your account with us, and/or from your account with  us to an account at another financial institution. Prior to use, you are required to register your external bank account for  verification and security purposes. Once your Funds Transfer service is active, please refer to the Funds Availability schedule to  see when your funds will be available for your use in your account. In all cases, funds may be held until we receive verification  that the transaction has settled. 

By using the Funds Transfer service, you agree that the Bank will transfer funds through ACH services and that the transaction is  subject to completion upon our final review and verification. You agree that such requests constitute authorization for such  transfers. This authorization is to remain in full force until the Bank has received written notification from you of its termination,  you have electronically deleted a registered bank account or debit or credit card from the Funds Transfer service, or you have  electronically canceled an account and/or transfers from the Funds Transfer service in such time and in such manner as to afford  the Bank and the other financial institution a reasonable opportunity to act on it. 

This service may not be available for all customers and/or account types. Please review our Funds Transfer FAQs for information  on availability.

By using the Funds Transfer service, you are certifying that the registered external accounts that you transfer funds to and from,  and the debit or credit cards used to transfer from are under the same ownership as the account with us. In the event that the  accounts are not titled the same or ownership among the transferring accounts changes, you will indemnify us for any losses  incurred as a result of any transaction you initiate between these accounts that is later returned or is reported unauthorized. If you  initiate a transfer that is found to be unverifiable or is unable to be completed for other reasons, you agree to hold us harmless for  any loss resulting from the incomplete transfer. If a transfer is made from a third-party’s account or registered as an external  deposit account, before we detect it, we may without notice to you, place those funds on hold and debit your account, and return  the funds to the third party's account in the form of a bank check or funds transfer, once we have confirmed the funds cleared the  external account. 

If you use the Funds Transfer service to transfer funds to or from an account that has multiple owners, you agree that each owner  authorizes the others to (a) initiate the transfer of funds between your accounts with us, as permitted by the Funds Transfer  service, (b) register any external bank account or credit card, as permitted by the Funds Transfer service, and (c) initiate the  transfer of funds between your account(s) with us and any registered external bank account or debit or credit card. This authority  will cease only after we have received and have been given a reasonable amount of time to act on the appropriate documentation  needed to change or remove the owner from the account. Each account owner agrees to be jointly and severally liable to Sable for  any losses incurred as a result of the improper use of this service up to and including the transfer amount, any applicable fees and  any legal expenses. Your Funds Transfer request will only be completed if you have sufficient funds in the account from which  you wish to transfer funds and the accounts are linked for transfer capabilities. Funds Transfer transactions are subject to dollar  amount limitations, which are determined by us and may be set according to your Account type and/or the type of Funds Transfer  service you are using. These limitations are set for security reasons and are not disclosed for that reason. 

Sable reserves the right to limit the number of external accounts that can be linked to your account for purposes of transferring  funds; to limit functionality of the Funds Transfer service by imposing limits, holds, or other measures; and to close your account  if unlawful activity is found or suspected. 

Truth in Savings 

Opening Deposit and Balance Requirements: 

There is no minimum opening deposit requirement to open a Sable Deposit Account. There are no maintenance fees on Sable  Deposit Accounts.  

Fees 

Fees are charged in accordance with our fees outlined below. If we assess a fee for any other service or make a change to our  Schedule of Fees, we will let you know in advance. 

To the extent you access our Services through a mobile device, your wireless service carrier’s charges, data rates, and other fees  may apply. 

Schedule of Fees

Foreign Transaction Fees
Foreign Transaction Fees
ATM Withdrawal Fees 
Sable does not charge any ATM fees.  If you use an ATM including for a balance inquiry, you may be charged a fee by the ATM operator. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us.
Bill Pay Services
None
Card Replacement Fee
None
Deposit Item Returned
None
ACH Transfer Fees
None
Overdraft Fee
None
Returned Item Fee (ACH, Check, Debit)
None
Stop Payment Fee
None
Incoming Domestic Wire Fees
$3.00
Outgoing Domestic Wire Fees
$5.00
International Incoming Wire Fees
When service becomes available: Sable does not charge any international outgoing wire or ACH fees. All wire or ACH fees assessed by our international money transfer provider will be passed to customer. This fee is a third-party fee and is not assessed by us.
Card Expedite Fee
$20.00

Rights to Setoff 

If you owe us any amount, you give us a security interest in your Sable Account. You also give us the right, to the extent not  prohibited by law, to set off against your funds to pay the amount owed to us. You agree that the security interest you have given  us is consensual and is in addition to our right of set off. If we exercise our right of set off, we will notify you to the extent  required by law. 

Severability 

If any provision of these Terms is found unenforceable, then that provision will be severed from these Terms and not affect the  validity and enforceability of any remaining provisions. 

Invalidated Provisions 

If an arbitrator or court finds any provision to be invalid, you and we agree that the arbitrator or court should give valid effect to  the intention of that provision, and that the remainder of the Terms remain in full force and effect. 

Contact Information 

Sable wants to hear your comments, concerns, suggestions, or questions. Email us at help@sablecard.com. 

E-SIGN Consent 

1. Consent to Electronic Communication 

We would like to communicate with you using electronic means. When you agree to the Terms and Conditions and click the “I  Agree” button, this tells us: 

● You agree to receive any electronic communication from us for any purpose; 

● You agree to receive an electronic version of any written notice or disclosures we must send you under law (“Legal  Disclosures”); and 

● You understand that to receive Legal Disclosures, you must meet the requirements in Section 2 below.

When we send electronic communication, including a Legal Disclosure, it may come in the form of an update to our website or  within our mobile app; as an email, text, or communication on social media; as a notification on mobile, tablet, or wearable  devices; or through other electronic means. When you sign-up for an Account with Sable, we will request your mobile telephone  number. We request this information in order to send you security confirmation text messages and information about your  Account and our Services. By clicking or tapping the “I accept” button below you are telling Sable that you consent and agree to  accept and receive communications from us, including via e-mail, text message, calls and push notification to the mobile  telephone number you provide us. As part of this consent, Sable, or someone on our behalf, may send you communications  generated by automatic telephone dialing systems [and/or deliver pre-recorded messages] that includes (i) security confirmation  messages; (ii) communications about your Account (such as transfers you requested or received), (iii) communications about use  and updates to our Services, and (iv) other information concerning your Account and our Services. Sable does not charge you  when we communicate with you via text message, but your phone carrier will apply standard text messaging charges and data  rates. 

2. Technology Requirements 

In order to receive electronic communications, including Legal Disclosures, you must have: 

● A computer or mobile device with an internet connection. 

● iPhone versions iOS 10+  

● iPadOS 13.1 or Android 4.3+ 

● A web browser that includes 256-bit encryption, with cookies enabled. 

● The ability to view and retain Portable Document Format (PDF) files. 

● A valid email address and mobile phone number. 

● Sufficient storage space to save any Legal Disclosure or an installed printer to print them. 

● We may change these requirements, but we will notify you promptly of any material changes. 

3. Paper Versions 

If you would like a paper copy of any Legal Disclosure we provide you, please contact us at help@sablecard.com. and we will  mail one to you at no cost. 

4. Withdrawing Consent 

If you would like to withdraw your consent, you can tell us at any time by emailing help@sablecard.com. Once you do withdraw  your consent, we will no longer send you paper copies of any Legal Disclosure.  

5. Saving and Reviewing this Consent 

The Terms & Conditions can be printed and saved for your records.

SABLE Debit Card  REWARDS & BENEFIT TERMS  - November 20, 2020  

The following benefits and services are subject to change or cancellation.  

These Sable Rewards Terms and Conditions (these “Terms and Conditions”) are provided to Sable Bank  Account & Debit Card (“Sable Debit Account”) account holders (“You" or “Your") by Sable Money Inc.  (“Sable," “our” or “we”) solely for the purpose of promoting and offering the Sable Debit reward  program (“Program") redemption offers to qualified Sable Debit Card holders who have been enrolled in  the Program to obtain a Sable Debit Card rewards account (“Rewards "). These Terms and Conditions  are a separate agreement and are not part of the Terms and Conditions of Your Sable Account (the  “Agreement”). 

THESE TERMS AND CONDITIONS -ARE SUBJECT TO MANDATORY ARBITRATION PURSUANT TO  THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION PROVISION.  

Program Overview As a Sable Debit Card Accountholder, you will be given the option to enroll in the  Sable Rewards Program via the Sable mobile application and will earn points or cash back which you  can then redeem for a credit to your Sable Bank account balance. Cash Back or Points can be earned  by meeting the requirements of Qualifying Transactions as described below. 

Earning Points and/or Cashback 

You will earn and accrue points or cash back based on purchase activity and usage of Your Sable Debit  Account (as defined in the Agreement), according to the active earnings categories which can be found  on the Sable Rewards website www.sablecard.com/rewards. In addition to the active earnings  categories, You may earn points or cash back as may be authorized by Sable from time-to-time for  special programs, promotions or transactions that may be offered for limited time periods and for which  additional terms and conditions may apply. 

“Net Merchandise Purchases” means purchases of merchandise or services on the Sable Account, less  any returned merchandise credits or service credits posted to the Sable Account. Net Merchandise  Purchases do NOT include any fees or interest charges, unauthorized or fraudulent charges, ATM  withdrawals, balance transfers, wire transfers, lottery tickets, race track wagers, or similar betting  transactions, person to person payments, purchases of gift cards, purchases of travelers checks, money  orders or associated fees, purchases or reloading of prepaid cards, purchases of foreign currency, or  purchases of other cash equivalents as well as casino gaming chips, or fees or premiums for coverage  or insurance to protect the balances of a Sable Account holder’s Sable Account. 

Merchants who accept the Sable Card are assigned a merchant code, which is determined by the  merchant or its processor in accordance with card brand procedures based on the kinds of products  and services they primarily sell. As such, even though a merchant may sell retail items that may be  similar to retail items sold by another merchant, the merchants may not have the same merchant code,  and therefore the purchases at the merchants may not be included in the same category for the  purposes of earning points or cash back. Net Merchandise Purchases must be submitted by merchants  using the identified merchant category codes to qualify for earning points or cash back. We are not  responsible for incorrectly coded transactions. Additionally, purchases made through third parties,  including resellers, or using a third-party payment account may not be eligible for accruing points or  cash back. Sable reserves the right to remove merchants from the Reward Program in its sole discretion  including when required by local laws, rules, or regulations. Questions concerning eligible transactions  and what constitutes Net Merchandise Purchases will be determined in the sole discretion of Sable.

Foreign Currency Transactions. You can also benefit from Offers while traveling. When you make a  Qualifying Transaction in a foreign currency, the amount of Cash Back Points earned will be determined  using the exchange rate to U.S. Dollars determined by the payment network (Mastercard). 

The points or cash back You earn will be credited to Your Rewards balance, which will be available to  see in your Sable mobile application on a daily basis when transactions post to your Sable Card. We  encourage You to frequently review Your Rewards, accessible through the Sable mobile application.  Once posted to Your Rewards, these points or cash balances are available to You should You choose to  redeem them. Annual cash back rewards are limited to applicable spend up to $20,000 in a given  yearend annual points rewards are limited to applicable spend up to $30,000 in a given year. You cannot  earn points or cash back during any period in which Your Sable Account is not open or is not in Good  Standing (defined below). If it has been more than thirty (30) days since the transaction and points or  cash back are not reflected on Your Rewards summary, please contact customer service at  1-833-583-8383 or help@sablecard.com. Inquiries must be made within sixty (60) days of the  transaction. “Good Standing” means a Sable Account or Sable Card that is not designated by Sable as  lost, stolen, revoked or closed or is not otherwise in default of any of the terms of the Agreement. In the  event of a lost or stolen card, or if we will have to issue a new account number, we will transfer your cash  back to the new account.  

If your account is not in Good Standing and we temporarily suspend your ability to make a  transaction(s), you will not earn points or Cash Back and you will not be able to redeem any Available  points or Cash Back balances until your Card Account returns to Good Standing. If your Card Account is  closed by us because it is not in Good Standing or for any other reason you will forfeit any unredeemed  Available points or Cash Back balances. If your Card Account is closed by you for any reason, you will  forfeit any unredeemed Available points or Cash Back balances. 

No points or cash back will be retroactively applied to Your Rewards for otherwise qualifying  transactions occurring during any period in which Your Sable Account was not in Good Standing or  when you were not enrolled into this Program. All transactions in U.S. Dollars for which points or cash  back are awarded to You will be rounded to a whole-dollar amount for purposes of determining the  number of points or cash back to be awarded. We will round the amount of points or Cash Back earned  from Qualifying Transactions down or in a manner determined in our sole discretion. You will  automatically begin earning points or cash back upon opening Your Sable Account and enrolling in the  Sable Rewards Program. You may notify Sable that You want to withdraw from the Program at any time. 

Rewards statements will be made available through the Sable mobile application. Individual transactions  forming the basis for awarding points or cash back will not be shown on the Rewards statement—only  total points and cash back earned less any point or cash back reduction for refunds, returns or  adjustments, redeemed points or cash back and expiring points or cash back will be displayed. The  frequency, timing, content or layout of the Rewards statements are subject to change from time-to-time  at the discretion of Sable. Points or cash back cannot be combined with other discount or reward  programs unless specifically authorized by us. 

Redemption  

You may redeem any points or cash back credited to the Rewards by using the Sable mobile application.  Redemptions are subject to point and cash back availability (points or cash back balances will not be  available for redemption until posted to Your Rewards regardless of the date of the transaction for which  points or cash back are earned) and other requirements contained in these Terms and Conditions. 

Your points or cash back balances may only be redeemed if Your Sable Account and Your Rewards are  in Good Standing at the time of any point or cash back redemption. Points or cash back earned in  connection with an enrolled Sable Account will be consolidated and reported in your Rewards. 

If applicable, Points or cash back balances may be redeemed for cash back (“Cash Back Redemption”).  Cash Back Redemption provides a specific U.S. Dollar amount that, upon redemption of points, is  applied as credit to Your Sable Bank Account balance. A Cash Back Redemption credited to Your Sable  Bank Account balance will not substitute for Your payment obligations under the Agreement. Cash Back  Redemptions will generally be credited to Your Sable Account within two (2) business days of Your  redemption. Once you request to redeem your rewards balance, you cannot cancel or otherwise revoke  the request. We reserve the right to reject any redemption request if we cannot verify your identity or  account information. The value of a point is subject to change and can be found within the Sable FAQs  listed on sablecard.com 

Points and Cash Back balances are not Your property and may not be assigned or transferred to any  person (including upon death or as a part of a domestic relations matter). Points and cash back balances  have neither cash value, surrender value, transfer value nor any other value of any kind until and to the  extent they are redeemed by Sable. Points or cash back balances cannot be used to offset any amount  due from You to Sable on the Sable One Account. Points or cash back balances used by You for  redemption will be those unredeemed points or cash back that have been in Rewards the longest time.  Points or cash back earned by You may only be redeemed for a Cash Back Redemption (a "Redemption  Reward" or "Reward"). All redemptions are final. The sale or barter of any points, other than by Sable, is  expressly prohibited. 

If the net dollar amount of your Qualifying Transactions is negative for a billing period, points or Cash  Back balances will be deducted from your Available rewards balance and may result in a negative  Available rewards balance. 

Sable reserves the right, in its sole discretion, to suspend, cancel or modify the Program at any time and  for any reason and without prior notice. Administrative services may be provided by third party service  providers. 

Sable reserves the right, in its sole discretion, to add, delete, change or revise the Terms and Conditions  of the Sable Rewards Program including, but not limited to, qualifications for participation in the  Program, Program features or procedures, the imposition or discontinuance of special promotions or  offers, additions, deletions or revisions of Rewards offered, revisions of the amount of points or cash  back balances required for Reward Redemption, revisions of point caps, limitations or expiration  periods, revisions to disqualifying events or the imposition of new, revised or additional Program terms. 

You will be responsible for both determining and paying any federal, state or local taxes, fees or other  charges, if any, that may be imposed by any governmental or regulatory authority on Rewards obtained  through the redemption of points, whether or not such taxes, fees or other charges are imposed at the  time of point redemption or subsequently. Should Sable be required to report taxes, tax reporting, if any,  will be made to the tax ID number of the account holder, based on our records. 

The Program is owned and administered by Sable and is subject to all applicable laws and regulations.  The accrual and/or redemption of points is void where prohibited by law. We may rely on any oral or  electronic points redemption instructions we are provided regardless of whether or not you personally  stated or sent them. You agree that we are not liable for following instructions of anyone claiming to be  You. 

You agree to indemnify and hold Sable and our third-party service providers and their respective  affiliates, directors, officers, employees, agents and contractors harmless from and against any loss,  damage, liability, cost, or expense of any kind (including attorneys’ fees) arising from Your or an  authorized user’s: (i) use of the Program; (ii) any fraud or misuse of the Program; (iii) violation of these  Terms and Conditions; and/or (iv) violation of any applicable law or the rights of any third party.

While points or cash back balances do not expire, they may be cancelled or forfeited as further set forth  in these Terms and Conditions. There are no credits, exchanges or refunds on unused points or cash  back balances. All unredeemed points or cash back balances in Your Rewards, on the day of Rewards  closure, may be forfeited if Your Rewards are closed for any reason. We may temporarily or permanently  suspend Your ability to earn points or cash back at any time, with or without cause. Sable reserves the  right, in its sole discretion, to disqualify You from participation in the Program and to cancel or invalidate  any points or cash back balances in the following events: (i) Your Sable Account balance is negative for a  period of time exceeding 30 days or any other time, as determined by Sable in its sole discretion; (ii)  Your Sable Account is in default under the Agreement; (iii) You or we close your Sable Account for any  reason; (iv) in cases of actual or suspected abuse, fraud, violations of the Terms and Conditions or any  actual or suspected abuse or fraud with respect to the Sable Account or the Rewards, or we otherwise  suspect or believe You are or have engaged in activity that we deem to be abusive or “gaming” conduct  under the Program, as determined in our sole discretion; (iv) . Neither Sable nor its third party service  providers, their respective employees, officers, affiliates or agents will be liable to You for any action or  inaction any of them take or fail to take with respect to the Sable Rewards Program or any changes in  the Terms and Conditions of the Program. 

Neither Sable nor its third party service providers, their respective employees, officers, affiliates or  agents assumes any responsibility for, and will not be liable for, any financial loss, personal injury,  property loss or damage, other loss, accident, delay, inconvenience, or irregularity which You and/or  Your guest may suffer by reason of any act, default, non-performance or wrongful, careless, negligent, or  unauthorized act or omission of any Program supplier, its employees, or any third party. 

Neither Sable nor its third party service providers, their respective employees, officers, affiliates or  agents will be responsible for any errors or omissions, or for any bodily injury or property damage that  may result from participation in the Program nor for any damage, loss or expense of any nature resulting  from the usage of any Reward, defects in any Reward or from any cancellation irregularity or mishap  affecting the Reward received through the Program. 

In no event shall we or any of our affiliates or agents be responsible or liable to You, or anyone claiming  through You or on Your behalf, for any indirect, special, exemplary, punitive or consequential damages,  including without limitation lost revenue, lost profits, or lost opportunity, arising out of or relating to any  

of the acts or omissions of Sable or any of our respective affiliates or agents, or otherwise in connection  with or relating to the Program or its administration, or that result from the use of or inability to use the  Program, even if we have been made aware of the possibility of such damages. In addition, we make no  warranty or representation either expressed or implied, and expressly disclaim any and all liability and  damages with respect to type, quality or fitness for use of goods or services provided through this  Program or otherwise obtained by you in connection with the Program or through the use of redeemed  Rewards. 

You agree to notify Sable promptly upon the receipt of Your Rewards statement of any errors relating to  the addition or deletion of Sable Rewards Program points or cash back balances on Your Rewards but in  no event later than sixty (60) days after the error appeared on Your statement or Rewards summary. We  reserve the right (but are not required) to correct inaccurate point or cash back values represented in  Your Rewards summary, and to adjust point or cash back values at our sole discretion. If we do not  credit, or improperly deny, a point or cash back redemption to which You were otherwise entitled, then  your exclusive remedy will be the issuance of the improperly denied point or cash back redemption, if  available, or such other alternative benefit as we in our sole discretion may determine. Neither we nor  any of our affiliates, agents or representatives have any other or additional liability to You or any other  person for such error(s), subject to applicable law. 

In the event You redeem points or cash back balances and obtain a Redemption Reward and thereafter  any transaction on Your Sable Account for which You previously obtained and used points, in whole or in  part, to obtain a Redemption Reward is either refunded, credited or otherwise rescinded, Sable may, at 

its discretion withhold the subsequent awarding of points, or collect any amount(s) You owe, in any  appropriate manner, including, but not limited to, the posting of an equivalent dollar debit for the retail  value of the Redemption Reward You obtained in the form of a debit transaction to Your Sable Account. 

All trademarks, service marks and trade names used in this Program are with the permission of the  respective Program suppliers. Program suppliers are in no way affiliated with Sable, nor are they  considered sponsors or co-sponsors of this Program. All trademarks, service marks and trade names  used by Sable in this Program, including the Sable Rewards Program design are property of Sable. No  use of these may be made without the prior written authorization of Sable. 

These Terms and Conditions constitute the entire agreement between you and Sable with respect to the  subject matter described herein, and supersede all prior agreements or representations, written or oral,  concerning such subject matter; provided, however, nothing herein modifies the terms and conditions of  the Agreement. You may not assign any of your rights or obligations under these Terms and Conditions,  in whole or in part, without our prior written consent. We may assign our rights and/or obligations under  these Terms and Conditions, in whole or in part, without your consent. We may waive or delay enforcing  

any of our rights herein without losing them. Neither we nor our service providers are responsible for any  disputes between you and a merchant relating to a transaction or goods or services. Any claim or  dispute arising from or relating to these Terms and Conditions or to the Program will be governed by and  construed in accordance with Washington State law (without regard to its conflicts of law principles) and  as applicable, federal law. To the extent permitted by applicable law, these Terms and Conditions  disclaim any implied contractual terms or obligations. 

Any claim, dispute, or controversy ("Claim") arising out of or relating in any way to: (i) these Terms and  Conditions; (ii) the Program; (iii) Rewards; (iv) your use of points cash, back balances or the Rewards; (v)  advertisements, promotions or oral or written statements related to the Program; or (vi) the benefits and  services related to the Program, no matter how described, pleaded or styled, shall be FINALLY and  EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration  Association ("AAA") under its Consumer Arbitration Rules. This arbitration agreement is made pursuant  to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act. The  arbitration shall occur in Washington State. ARBITRATION OF YOUR CLAIM IS MANDATORY AND  BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN  ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN  DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE. For a copy of the  procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335  Madison Avenue, New York, NY 10017, or at www.adr.org. All determinations as to the scope,  interpretation, enforceability and validity of these Terms and Conditions shall be made final exclusively  by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be  entered in any court having jurisdiction. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR  PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A  CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE. This arbitration  provision shall survive: (a) the termination of these Terms and Conditions; (b) the bankruptcy of any  party; (c) any transfer, sale or assignment of your Rewards, or any amounts owed on your Rewards, to  any other person or entity; or (d) closing of the Rewards. If any portion of this arbitration provision is  deemed invalid or unenforceable, the remaining portions shall remain in force. 

By accumulating and redeeming points or cash back balances under the Sable Rewards Program, You  agree to all of the Program features, limitations and restrictions contained in these Terms and Conditions  as well as any additional terms and conditions contained in any Programs, promotions or transactions  that may be offered to You from time-to-time and any terms and conditions contained in any certificate,  coupon or document issued to You under the Sable Rewards Program. 

Our failure or delay in enforcing any of your obligations, or exercising a right or remedy, does not amount  to a waiver of that obligation, right or remedy. Additionally, if we waive a particular obligation in one circumstance, it does not prevent us from subsequently requiring compliance with the obligation on other  occasions.  

We reserve the right to remove any participant from the Program in the event of suspected fraud or  abuse in connection with the Program Agreements. 

Cash Back Points Activity. Our processing platform serves as the final record of your rewards activity.  This includes the amount of points or cash back balances you have available for redemption, the amount  of points or Cash Back balances you’ve redeemed, and the percentage of points or cash back you will  earn on Qualifying Transactions. In the event there is a discrepancy between your records and the  processing platform, the information from the processing platform will be deemed correct. 

No Warranties 

THE SERVICES AND ALL CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE". THE SERVICES AND  CONTENT ARE PROVIDED WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING,  BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT,  MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED  BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY  DISCLAIMED. SABLE AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT  CARD NETWORKS AND PAYMENT PROCESSORS) DO NOT WARRANT THAT: (1) THE CONTENT IS  TIMELY, ACCURATE, COMPLETE, RELIABLE OR CORRECT; (2) THE SERVICES WILL BE SECURE OR  AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (3) ANY DEFECTS OR ERRORS WILL BE  CORRECTED; (4) THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (5)  THE RESULTS OF USING THE SERVICES WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE  SERVICES IS SOLELY AT YOUR OWN RISK. 

Indemnification  

You shall defend, indemnify, and hold harmless us, our affiliates, payment card networks and payment  processors, and each of our and their respective employees, contractors, directors, suppliers and  representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise  from or relate to your use or misuse of, or access to, the Services or any Content, violation of these  Sable Rewards Program Rules, or infringement of any intellectual property or other right of any person or  entity. We reserve the right to assume the exclusive defense and control of any matter otherwise subject  to indemnification by you, in which event you will assist and cooperate with us in asserting any available  defenses.  

Limitation of Liability  

IN NO EVENT SHALL WE, NOR OUR DIRECTORS, EMPLOYEES, AGENTS,PARTNERS, SUPPLIERS  (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) OR CONTENT  PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER  LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS,  DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL,  INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, COMPENSATORY OR CONSEQUENTIAL DAMAGES  OF ANY KIND WHATSOEVER (HOWEVER ARISING), (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES,  OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), OR (III) FOR ANY DIRECT  DAMAGES IN EXCESS OF (IN THE AGGREGATE) $50.00. 

Program Modifications. We may, from time to time, or at any time, add, modify, or delete any benefit,  service, or feature of this Program. Changes to the Program may include, among other things, modifying  Qualifying Transactions, the way points or Cash Back balances are earned, excluding transactions,  lowering or otherwise changing points or cash back percentage rates or imposing additional restrictions 

or terminating portions of the Program, with or without notice to you. In the event the complete Program  is terminated you will be given a reasonable period of time from the date termination is announced to  redeem your earned rewards balance. We will give you notice of any such changes by posting an  updated copy of this agreement to Sable’s website. In some cases, notices may also be delivered to you  electronically by email or through our online services, such as sablecard.com or the Sable Mobile App.  These changes are effective upon the posting of the agreement, or other notice being sent, and will be  considered part of this agreement. It is your responsibility to review the website or review any notice to  stay aware of any changes. Please refer to the “Last Revised” date at the top of this page to see when  these Program Rules were last revised.  

Sable Debit Mastercard Benefits  

The following section covers Sable Debit Mastercard benefits and contains detailed information about  extensive insurance, travel and retail protection services you can access as a Sable Debit Mastercard  cardholder. 

To file a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466.“Card” refers to DebitTM  Mastercard® card and “Cardholder” refers to a DebitTM Mastercard® cardholder. 

Throughout this document, You and Your refer to the cardholder or authorized user of the covered  card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company, Inc. (Except for  Satisfaction Guarantee refer to AIG Warranty Guard, Inc.) 

Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator  if you have questions regarding this coverage or would like to make a claim. The administrator can be  reached by phone at 1-800-Mastercard

Authorized User means an individual who is authorized to make purchases on the covered card by the  cardholder and is recorded by the Participating Organization on its records as being an authorized user. Cardholder means the person who has been issued an account by the Participating Organization for the  covered card. 

Covered Card means the Mastercard card. 

Damage means items that can no longer perform the function they were intended to do in normal  service due to broken parts, material or structural failures. 

Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions.  The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us.  Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal  Disclosures are not a part of your coverage. 

Stolen means items that are taken by force and/or under duress or the disappearance of the item from a  known place under circumstances that would indicate the probability of theft. 

United States Dollars (USD) means the currency of the United States of America. 

Extended Warranty  

Evidence of Coverage 

Refer to Key Terms for the definitions of You, Your, We, Us, Our, and words that appear in bold and Legal  Disclosures.

A. To get coverage: 

• You must purchase the new item entirely with your covered card and/or accumulated points from your  covered card for yourself or to give as a gift. 

• The item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months or  less. 

B. The kind of coverage you receive: 

• Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) months  on most items you purchase. For products with multiple warranty components, each warranty time  period will be extended up to a maximum of twelve (12) months. An example of a product with multiple  warranty components includes an appliance with original manufacturer’s (or U.S. store brand)  warranties that differ for parts, labor, compressor, etc. 

• If you purchase a service contract or an optional extended warranty of twelve (12) months or less on  your item, we will cover up to an additional twelve (12) months after both the original manufacturer’s (or  U.S. store brand) warranty and the purchased service contract or extended warranty coverage period  end. If your service contract or extended warranty exceeds twelve (12) months, this coverage does not  apply. 

• If you do not have an additional service contract or an optional extended warranty, this Extended  Warranty benefit commences the day after your original manufacturer’s (or U.S. store brand) warranty  expires. 

C. Coverage limitations: 

• The maximum benefit for repair or replacement shall not exceed the actual amount charged on your  covered card or $10,000, whichever is less. 

• If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers more  than twelve (12) months, this benefit will not apply. 

• We or our administrator will decide if a covered failure will be repaired or replaced, or whether you will  be reimbursed up to the amount paid for the item. Items will be replaced with those of like kind and  quality. However, we cannot guarantee to match exact color, material, brand, size, or model. 

D. What is NOT covered: 

• Used or antique items; collectibles of any kind (such as items designed for people to collect or items  that over time become collectibles) that do not come with a manufacturer warranty (repair or  replacement amount will not include market value at time of claim); recycled, previously owned,  refurbished, rebuilt, or remanufactured items; product guarantees (e.g., glass breakage). • Items that do not come with an original manufacturer warranty.  

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and  motorcycles, or their motors, equipment, or accessories. Parts, if purchased separately, may be  covered. 

• Professional services (including, but not limited to, the performance or rendering of labor or  maintenance; repair or installation of products, goods or property; professional advice of any kind,  including, but not limited to, information/services or advice secured from any help or support line; or  technical support for software, hardware, or any other peripherals). 

• Application programs, operating software, and other software. 

• All types of media with stored data or music (including, but not limited to, computer software, DVDs,  video cassettes, CDs, film and audio cassettes). 

• Any shipping charges, transportation and delivery charges, or promised time frames for delivery,  whether or not stated or covered by the manufacturer’s warranty. 

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane,  lightning, and earthquake). 

• Indirect or direct damages resulting from a covered loss. 

• Mechanical failure arising from product recalls.  

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.

• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism,  rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public  authority, or customs official; risks of contraband, illegal activity, or acts. 

• Mechanical failures caused by normal wear and tear or gradual deterioration where no failure has  occurred. 

• Items purchased for resale, professional, or commercial use. 

• Mechanical failures caused by lack of maintenance/service. 

• Losses caused by power surge, contamination by radioactive or hazardous substances, including  mold. 

• Physical damage to the item. 

• Any exclusion listed in the original manufacturer’s warranty. 

E. How to file a claim: 

Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a claim. You must report the  claim within sixty  

(60) days of the failure or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty (180) days from the date of failure  or the claim may not be honored:ooReceipt showing the purchase of the covered item(s). • Statement showing covered item(s). 

• Itemized purchase receipt(s). 

• Original manufacturer’s (or U.S. store brand) warranty. 

• Service contract or optional extended warranty, if applicable. 

• Itemized repair estimate from a factory authorized service provider. 

Any other documentation that may be reasonably requested by us or the administrator to validate a  claim. 

Satisfaction Guarantee  

The Legal Disclosure is part of this agreement. 

A. To get coverage: 

You must purchase the new item entirely with your covered card and/or accumulated points from your  covered card for yourself or to give as a gift. 

B. The kind of coverage you receive: 

• Purchases you make entirely with your covered card are covered for sixty (60) days from the date of  purchase as indicated on your receipt for a full refund in the event that you are dissatisfied with your  purchase and the store will not accept the item for return. 

• Items you purchase with your covered card and give as gifts also are covered. • This coverage is secondary to any other applicable insurance or coverage available to you or the gift  recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage. 

C. Coverage limitations: 

• Coverage is limited to the actual cost of the item (excluding taxes, storage, shipping, and handling  costs), up to $250 per  

• claim. In no event will we pay more than the purchase price of the item. 

• Items must be returned undamaged, in good working condition, and in its original and complete  packaging. You are responsible for all mailing costs. 

D. What is NOT covered: 

• Damaged, defective, or non-working items.

• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to  collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or  remanufactured items. 

• Customized/personalized, rare, one of a kind, or special order items. 

• Professional services, including workmanship, installation, professional advice/counseling, and  technical support, or help line. 

• Items purchased for resale, professional, or commercial use. 

• Plants, shrubs, animals, pets, consumables, and perishables. 

• All types of stored data or music (including, but not limited to, computer software, DVDs, video  cassettes, CDs, audio cassettes). 

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and  motorcycles, or their motors, equipment, or accessories. 

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items,  fixtures, or structures. 

• Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or mammals). • Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable  instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent. • Shipping charges, taxes, storage fees, postage, transportation and delivery charges; promised time  frames of delivery. 

• Products purchased at auctions. 

E. How to file a claim: 

Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a claim. You must report the  claim within sixty (60) days of the date of purchase or the claim may not be honored. • Submit the following documentation within one hundred and eighty (180) days of the date you report  the claim: 

• Receipt showing the purchased item(s). 

• Statement showing the purchased item(s). 

• Itemized purchase receipt(s). 

• Written documentation from the store manager or equivalent on store letterhead documenting the  refusal to accept the returned item. 

• A copy of the store’s return policy. 

• Any other documentation that may be reasonably requested by us or our administrator to validate a  claim. 

You must send the item to us or our administrator before any claim will be paid. Item must be returned in  its original packaging along with the original owner’s manuals and warranty information. You are  responsible for all mailing or shipping costs to us or our administrator. Items sent to us or our  administrator will not be returned to you. 

Zero Liability  

At Mastercard, safety and security is at the core of what we do. Mastercard cardholders should have  peace of mind knowing that their Financial Institution won't hold them responsible for "unauthorized  transactions." As a Mastercard cardholder, Zero Liability** applies to purchases made in store, over the  telephone, online, via a mobile device and ATM transactions. Cardholders will not be held responsible for  unauthorized transactions if: 

• They have used reasonable care in protecting your card from loss or theft; and • they promptly reported loss or theft to your financial institution.

Mastercard Airport Concierge™  

Your passport to the finer side of air travel. 

Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and  Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700  destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports  where you can be expedited through the security and/or the immigration process. To reserve Mastercard  Airport Concierge services visit www.mastercard.com/airportconcierge or consult your Travel Advisor. 

Mastercard Global Service (Global travel assistance) 

Mastercard Global Service provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting,  Emergency Card Replacement, and Emergency Cash Advance. 

Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account.  If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can  receive a temporary card the next day in the United States, and within two business days almost  everywhere else.Remember, if you report your card lost or stolen, you will not be responsible for any  unauthorized transactions on your account. 

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-Mastercard. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language.You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

Australia
1-800-120-113
Austria
0800-070-6138
France
0-800-90-1387
Germany
0800-071-3542
Hungary
06800-12517
Ireland
1-800-55-7378
Italy
800-870-866
Mexico
001-800-307-7309
Netherlands
0800-022-5821
Poland
0-0800-111-1211
Portugal
800-8-11-272
Spain
900-822-756
United Kingdom
0800-96-4767
Virgin Islands
1-800-307-7309

For additional information, or for country-specific, toll-free  telephone numbers not listed above, visit our website at www. mastercard.com or call the United  States collect at 1-636-722- 7111.Account Information and Card Benefits 

When in the United States, contact your card issuer directly for account information and 1-800- Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access  your card issuer for account information or to access any of your card benefits.ATM Locations Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM  Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our website  at www.mastercard.com to use our ATM locator. You can get cash at over two million ATMs worldwide.  To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

Mastercard ID Theft Protection (IDT) 

Provides you with access to a number of Identity Theft resolution services, should you believe  you are a victim of Identity Theft. This product offering will alert you about possible identity theft  by monitoring the surface, dark and deep web, searching for compromised credentials and  potentially damaging use of your registered personal information in order to detect fraud at its  inception. 

Eligibility: 

All Mastercard consumer debit cardholders in the US are eligible for this coverage. 

Access: 

Simply contact 1-800-Mastercard if you believe you have been a victim of Identity Theft. 

Services Provided: 

Services provided are on a 24-hour basis, 365 days a year. 

In order to receive the following services, you must enroll at https:// 

mastercardus.idprotectiononline.com/. The services include: 

Online Monitoring Dashboard (requires activation): The online monitoring dashboard is the  primary user interface for cardholders. It serves as a repository of all the personally identifiable  information (PII) data the cardholder wants to monitor, tracks and displays cardholders’ risk  score, and provides access to identity protection tips. It is also the platform for cardholders to  respond to identity monitoring alerts. 

Monthly Risk Alert / Newsletter: Cardholders will receive a monthly newsletter with information  on the cardholder’s risk score, and articles pertaining to good identity protection practices. 

Identity Monitoring: IDT searches the internet to detect compromised credentials and  potentially damaging use of your personal information, and alerts you via email so that you can  take immediate action. This platform utilizes automated monitoring and human threat  intelligence from cyber operations agents monitoring threat actors and their tactics on the deep  and dark web where personal data is bought and sold. Data elements that can be monitored are: 

Email addresses 

Debit/credit cards/prepaid cards 

Bank accounts 

Web logins; username and password Medical insurance cards 

Drivers’ license 

Loyalty cards 

Affinity cards 

Passport number 

Vehicle insurance cards 

Social Security number 

To take advantage of this service, the cardholder must enter the personal information they wish  to monitor on the dashboard. 

Resolution Services: You will have access to a team of identity theft resolution specialists,  available 24/7 year-round to 

help resolve your identity theft incident and prevent further damage. The resolution specialists  are native speakers of English, French and Spanish, and are based out of Bethesda, Maryland.  Cardholders are given the option to sign limited power of attorney (LPOA) to the specialist, to 

allow them to conduct resolution activities on the cardholders’ behalf, including contacting  police, credit agencies, and other authorities, translating information, and closing and replacing  breached accounts. 

Lost Wallet Assistance: Cardholder’s will be provided assistance with notifying the appropriate  issuing authorities to cancel and replace stolen or missing items, such as their debit/credit card,  driver’s license, Social Security card, and passport. 

Single Bureau Credit Monitoring: Cardholders’ TransUnion credit file will be monitored for  changes that could indicate fraud such as new credit inquiries, an address change or new credit  account(s) opened in their name. An alert notification via email will be sent anytime a hard inquiry  is made on the cardholders’ TransUnion credit file so they can take immediate action to minimize  damage. 

To take advantage of this service, the cardholder must enter their Social Security number on the  dashboard and pass credit authentication. 

Financial Account Takeover: IDT monitors cardholder’s high- risk transactions with more than  300 of the nation’s largest companies to uncover and thwart account takeover attempts.  Monitored transactions include: 

Debit/credit cards/prepaid cards 

Bank accounts 

Brokerage accounts 

Healthcare portals 

Workplace intranets 

Other services (e.g. peer-to-peer fund transfers) 

To take advantage of this service, the cardholder must enter the accounts they wish to protect  on the dashboard. 

URL and Domain Monitoring: URL and Domain monitoring allows Cardholder to enter up to 10  domain or URL names related to cardholder’s business. This service will monitor the domain and  URL names for any compromised email addresses associated with the domain or URL names  and if compromised email addresses are found in a data breach, this service will alert the  registered cardholder via email and provide information regarding the specific email address that  was breached along with information about the date found and source (provided that this  information is available). 

For more information regarding the services stated above and additional information, please  visit https://mastercardus. idprotectiononline.com/. 

Charges: 

There is no charge for these services, they are provided by your Financial Institution. 

Services NOT Provided: 

When it is determined you have committed any dishonest, criminal, malicious or fraudulent act. When your financial institution or card issuer which provides this Service, has investigated the  event and deemed you are responsible for the charge or event. 

When any theft or unauthorized use of an account by a person to whom the account has been  entrusted has been committed. 

Program Provisions for Mastercard ID Theft Protection: 

This service applies only to you, the named Mastercard cardholder. You shall use due diligence  and do all things reasonable to avoid or diminish any loss or damage to property protected by 

the program. The provider, Generali Global Assistance, relies on the truth of statement made in  the Affidavit or declaration from each cardholder. This service is provided to eligible Mastercard  cardholders at no additional cost and is in effect for acts occurring while the program is in effect.  The terms and conditions contained in this program guide may be modified by subsequent  endorsements. Modifications to the terms and conditions may be provided via additional Guide  mailings, statement inserts, or statement messages. Mastercard or your financial institution can  cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in  advance. If the Provider non-renews or cancels any services provided to eligible Mastercard  cardholders, you will be notified within 30–120 days before the expiration of the service  agreement. In the event substantially similar coverage takes effect without interruption, no such  notice is necessary. For general questions regarding these services, please contact 1-800- Mastercard. 

Mastercard Benefits Guide Legal Disclosure 

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the cardholder, at no additional charge. 

The insurance benefits are provided under the group policy issued by New Hampshire Insurance  Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The  attached Key Terms and EOC are governed by the group policy. 

Effective date of benefits: Effective July 1, 2019, this Guide to Benefits replaces all prior disclosures,  program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve  the right to change the benefits and features of these programs at any time. Notice will be provided for  any changes. 

Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the  insurance coverage for all cardholders. If the Policyholder cancels these benefits, you will be notified in  advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be  notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that  attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and  conditions of coverage. 

Benefits to you: These benefits apply only to eligible accounts issued in the United States. The United  States is defined as the fifty U.S. states and the District of Columbia. No person or entity other than you  shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages  under or arising out of these programs. These benefits do not apply if your card privileges have been  cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the  date that your eligible account is suspended or cancelled, subject to the terms and conditions of  coverage. 

Transfer of rights or benefits: The group policy is not assignable, but the benefits may be assigned. 

Intentional Misrepresentation and Fraud: If any request for benefits made under the group policy is  determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying  as an insured to obtain benefits under the group policy, all benefits will be forfeited. No coverage is  provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any  fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent  to deceive; or (2) conceals or misrepresents any fact that contributes to the loss. 

Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be 

exercised or performed by a reasonable and prudent person in the same or similar circumstances to  avoid, diminish, or reduce any loss or damage insured under the group policy. 

Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the  extent of our payments, from other parties or persons. Any party or person who receives payment under  these benefits must transfer to us his or her rights to recovery against any other party or person and  must do everything necessary to secure these rights and must do nothing that would jeopardize them. 

Salvage: If an item is not repairable, we may request that you send the item to us for salvage at your  expense. Failure to remit the requested item for salvage to us may result in denial of the claim. 

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is,  to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be  deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this  Guide shall remain valid and enforceable. 

Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions  described in each benefit section. 

Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage  availability. 

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict  between the Guide and the group policy, the group policy shall control.

The Sable Secured Credit Card Cardholder Agreement Effective as of October 30, 2020 

The Sable Credit Card is a Secured credit card backed by funds in your Sable security account. Both the card and  security account are offered through Coastal Community Bank.  

We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security  Account. See the “Credit Limit” section below for more details. 

The Sable secured credit card cannot be used for cash advances or balance transfers. 

INTEREST RATES AND FEES
Annual Percentage Rate (APR) for purchases
Prime + 6.99%  

This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 21 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
Annual Fee
None
Foreign Transaction Fees
None
Late Payment
None
Returned Payment
Up to $30
Card Expedite Fee
$20
For Credit Card Tips fromthe Consumer FinancialProtection 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 http://www.consumerfinance.gov/learnmore.

Credit Limit: Your credit limit will be equal to the amount of security you put down, which can be up to $10,000


HOW  INTEREST IS CALCULATED
Your Interest Rate
We use a daily rate to calculate the interest on the balance on your account each day. The daily rate is the applicable APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law.

The following rates apply to purchases and cash advances. If approved, the Annual Percentage Rates (APRs) applicable to your account will be provided in a table at the beginning of your Agreement. Your APRs will be shown on your billing statement.

EXAMPLE:The APR for purchases is the prime rate plus 6.99%. As of October 1, 2020, the daily rate for purchases was .028055% (APR 10.24%).However, if we have disclosed a promotional rate at the time we made a promotional offer, we will calculate interest on balances subject to that promotional offer using the applicable promotional financing rate.

Daily Rates May Vary. The APRs and the daily rates on your account vary with the market based on the prime rate. The prime rate for a billing cycle is the highest bank prime loan rate published in The Wall Street Journal in its Money Rates section on the last business day of the calendar month preceding the first day of the billing cycle.

If the prime rate increases, the daily rates and APRs will increase. As a result, interest, your total minimum payment and the number of payments it would take you to pay off your account balance may increase. We apply any change in rates because of a prime rate change to your entire account balance. A change in the prime rate will take effect on the first day of the first billing cycle after the change. We may select a new interest rate index if the prime rate is not available.
When We Charge Interest
Purchases. Generally, we charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below.

▪ We will not charge you interest during a billing cycle on any purchases if:
1. You had no balance at the start of the billing cycle; OR
2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.

▪ We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if:
1. You had no balance at the start of the previous billing cycle; OR
2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle
How We Calculate Interest
We calculate interest on your account by applying the daily rate to the daily balance for each day in the billing cycle. See below for how this works:

1. How to get the daily balance: We take the starting balance for each balance type each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance.

We apply Returned Payment fees to balance as new purchases.

2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.

3. How to get the starting balance for the next day: We add the daily interest amount (step 2) to the daily balance (step 1)

4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing cycle for all the balance types, to get the interest for the account.

State Notices 

All Accounts, including New York Residents: We may obtain your credit report in connection with evaluating your  application and subsequently in connection with updates to your account for additional credit, payments or  delinquencies. We will inform you, upon request, whether a report was obtained and, if so, the name and address of  the consumer reporting agency that furnished the report. 

All Accounts, including Rhode Island and Vermont Residents: We may request a credit report in connection with  the application. You consent to the obtaining of such reports by submitting this application. 

California Residents: A married applicant may apply for a separate account. 

Delaware and Maryland Residents: Service charges not in excess of those permitted by law will be charged on the  outstanding balances from month to month. 

New York Residents: New York residents may contact the New York State Department of Financial Services to  obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-342-3736, or on the web at  www.dfs.ny.gov, or by contacting the Consumer Financial Bureau at www.consumerfinance.gov/ 

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all  creditworthy 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. 

Married Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section  766.59 or a court decree under section 766.70 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. 

Married Wisconsin Residents: If you are applying for individual credit or joint credit with someone other than your  spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse's financial  information. 

USA Patriot Act 

USA Patriot Act: 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. 

This means that when you open an account or use our services, we will ask for your name, physical address, date of  birth and other information that will allow us to identify you. We may also ask to see other identifying documents such  as driver's license or other documents that validate your identity. 

Even if you have been an existing customer of ours, we may ask you to provide this kind of information and  documentation because we may not have collected it from you in the past or we may need to update our records.  

If, for any reason, any owner is unable to provide the information necessary to verify their identity, your account(s)  may not be opened, may be blocked or closed. 

You are responsible for the accuracy and completeness of all information supplied to us in connection with your  account and/or account services and for keeping your personal data with us updated if you move or otherwise make  changes to your personal data.

Minimum Payment Calculation 

Your total minimum monthly payment is calculated as follows: 

The greater of $25 or 2% of the previous statement balance (excluding any interest charges, fees, and any  amount past due) plus interest, plus fees and plus any amount that is past due. This sum will be rounded up  to the nearest dollar, or 

If your balance is less than $25, the minimum due will equal the balance on the account. 

You may pay more than the Minimum Payment or you may pay the total outstanding balance at any time. If you make  a payment greater than your Minimum Payment, this does not affect your obligation to make the next Minimum  Payment. Credits to your Account, such as from merchants, are generally not considered payments and will not  reduce your total Minimum Payment. 

If your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is  immediately due and payable. 

THE SERVICES AND ALL CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE". THE SERVICES AND  CONTENT ARE PROVIDED WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT  NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND  FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF  PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. SABLE AND ITS  AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT  PROCESSORS) DO NOT WARRANT THAT: (1) THE CONTENT IS TIMELY, ACCURATE, COMPLETE, RELIABLE  OR CORRECT; (2) THE SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR  LOCATION; (3) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (4) THE CONTENT IS FREE OF VIRUSES  OR OTHER HARMFUL COMPONENTS; OR (5) THE RESULTS OF USING THE SERVICES WILL MEET YOUR  REQUIREMENTS. YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK.

Standard Provisions

ABOUT THE CREDIT CARD ACCOUNT AGREEMENT
This Agreement
This Sable Credit Card Cardholder Agreement, together with your Account Opening Disclosures (including, as applicable, the Privacy Policy and Truth in Lending Disclosure) (collectively, this “Agreement”) govern the use of the Sable credit card (“Card”) and related security account (“Account”). Please read this Agreement and retain a copy for your records. This Agreement will become effective when you (or a person authorized by you) activate your Card and make a transaction using the Card. Your use of the Card is your consent to be bound by the terms of this Agreement. The Card and credit under this agreement is issued by Coastal Community Bank (“Bank”). These documents replace any other agreement relating to your account that you or we made earlier or at the same time.
Parties To This Agreement
As used in this Agreement “we,” “us” and “our” mean the Bank as the Card issuer, Sable as the facilitator and Coastal Community Bank as the creditor. The words “you” and “your” mean all persons responsible for complying with this Agreement, including the applicant, the cardholder, any guarantor and the person to whom we address Account statements.
Business Days
Monday through Friday, excluding Federal Reserve Bank holidays.
Business Days
Monday through Friday, excluding Federal Reserve Bank holidays.
Changes To This Agreement
Subject to the limitations of applicable law, we may at any time change, add to or delete any of the terms and conditions in this Agreement, including, but not limited to, interest rates and this Change of Terms provision. Such changes may be based, in whole or in part, upon factors including, but not limited to, anti-fraud policies and procedures, your record of making timely payments and staying within the established Credit Limit on your Account with us, or your credit score and information contained in your credit report and financial data. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new Purchases and to the outstanding balances of your Account, to the extent permitted by applicable law.
HOW TO USE YOUR ACCOUNT
Your Registration & Your Responsibility
To sign up for a Sable Credit Card you must have an account with Sable (an “Account”). You must provide accurate and complete information and keep your Account information updated. By registering, you represent and warrant that you are providing accurate and complete information and that you will keep your Account information updated. You are responsible for the activity that occurs on your Account, and for keeping your Account password secure. You may be held liable for losses or damages incurred by us or any other user of or visitor to the Services due to someone else using your user name, ID, password, or other information which provides access to the Services. You may never use another person’s user account or registration information for the Services without permission. You must notify us immediately of any change in your eligibility to use Sable’s account or credit card (including any changes to or revocation of any licenses from state authorities), breach of security or unauthorized use of your Account. You should never publish, distribute or post login information for your Account.
Use Of Your Card And Account
You may use the Card to make purchases only for personal, family or household purposes from any person or establishment accepting the Card (each such transaction, a “Purchase”). The Card does not have a cash advance or balance transfer feature. You agree to use the Card only for legal and lawful purposes. The Card may not be used for illegal transactions or for the purpose of paying us on this or any other form of credit account you may have with us. If you use your Card for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but you still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed.
You Promise To Pay
You promise to pay us for all amounts charged to the Account, including all purchases and interest charged to your Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their use of the Card exceeds the authorization which you gave them.
Credit Limit
We will grant you credit up to a maximum amount (your “Credit Limit”) based on the deposit made to your Security Account. Your current Credit Limit will be shown on each monthly statement. You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we can still charge you for all Purchases and interest without giving up any of our rights. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so. At our discretion, we may (1) block transactions that would exceed your Credit Limit and (2) change your Credit Limit at any time without advance notice to you.
Transaction Limits
To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your Account for any reason.
Monthly Statements
We will electronically send you a monthly statement for any billing period in which there is activity on your Account, or as otherwise required by applicable law. Your monthly statement will show, among other things, (1) the unpaid balance on your Account at the beginning of the billing period (the “Previous Balance”); (2) any Purchases, interest and other debits posted to your Account in that billing period; (3) any payments and credits posted to your Account in that billing period; and (4) the Minimum Payment you must pay and the date your Minimum Payment is due (“Payment Due Date”) (which is set to be available on the 11th of every month with a due date of the 27th of every month). Your credit card statement will be available on-line where you can review and print.
Transactions In Foreign Currencies
We do not charge a fee for foreign transactions. Mastercard charges a 1% International Service Fee on international transactions. We do not charge any Fee.

If you obtain funds or make a purchase in a currency other than U.S. dollars, the amount deducted from the Available Balance of your Account will be converted by Mastercard into an amount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Mastercard itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. MasterCard may charge you an International Service Fee (sometimes referred to as an “ISF”) equal to one percent (1%) of the U.S. dollar amount of any International Transaction. The International Service Fee will be calculated on the U.S. dollar amount provided to us by Mastercard and will be charged to the same Account to which the transaction is posted at the same time the International Transaction posts to that Account. The same conversion process and fee may apply if any International Transaction is reversed or credited back to your Account.
Pre-authorized Recurring Merchant Transactions
You may authorize a merchant to automatically initiate a transaction on a recurring basis to your Account. Upon the issuance by us of a new Card with a new Account number or expiration date, you may be required to contact the merchant to provide such updated information in order to continue the recurring transactions. You must contact the merchant if you want to cancel automatic billing.
HOW AND WHEN TO MAKE PAYMENTS
When You Must Pay
We must receive at least the Minimum Payment due on your Account by 7:00 p.m. Eastern Time on the Payment Due Date of each billing period. The Minimum Payment Due and Payment Due Date are shown on each billing statement. Payments received after the Cut-Off Time will be credited to your Account no later than the next business day. Credit to your Account may be delayed for up to five (5) days if we receive a payment that does not adhere to the requirements set forth in this section and on your statement. For your payment to be considered on time, we must receive at least the Minimum Payment Due in such time and manner by the Payment Due Date shown on your billing statement. The available credit on your Account may not reflect your payment for up to fifteen (15) business days or longer if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day that we receive it (provided we receive it prior to 7:00 p.m. Eastern Time).
How To Make Payments
You can pay through your Sable app or through your externally connected account via ACH as a one-time payment or by setting up automatic payments. Your payment must be made in U.S. dollars. You agree not to send us checks. If you do, we have the right to return the check to the address it is received from and not credit the payment to your account.

If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time disclosed in your billing statement.
Payment Allocation
We credit your payments in accordance with our payment instructions of applying to interest charges first and then to balances due. Payments must be made in US dollars, do not send cash. Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that we will generally apply payments in excess of the Minimum Payment Due to older transactions first. Credits are applied at our discretion and you authorize us to apply payments in a way that is most favorable or convenient for us.
INFORMATION ABOUT YOU
Credit Reports And Account Information
You give us permission to request information from you and to make whatever inquiries we consider necessary and appropriate (including requesting a consumer report from consumer reporting agencies) in reviewing your account and for any lawful purpose, including any updates or extensions of credit, or reviewing or collecting your Account. Upon your request to us, we will inform you of the name and address of each consumer reporting agency from which we obtained a consumer report, if any, relating to you. We may also furnish information concerning your Account as well as information concerning you to consumer reporting agencies and to other proper parties.
Customer Privacy
Our privacy policy (“Privacy Policy”) is provided separately in accordance with applicable law and can also be viewed online at www.sablecard.com. Coastal Community Bank’s privacy policy is located here: https://www.coastalbank.com/privacy-notice.html.
Address/Phone Change
You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address (mailing or email) or any phone number.
Telephone Monitoring
For quality control, you allow us to listen to and/or record telephone calls between you and us.
Emails
You consent to us emailing you for any lawful purpose, including marketing if you have opted in.
INFORMATION ABOUT YOUR ACCOUNT
Unauthorized Use
If your Card or device is lost, stolen or if your Account is used without your consent, call us immediately at 833-583-8383. You will not be liable for unauthorized use on your Account, but you will be responsible for all use by anyone you allow to use your Account or device.
Notice Of Information Reporting
We may report information about your Account to other creditors, other financial institutions and credit bureaus. Late payments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report.
Inaccurate Information
You have the right to dispute the accuracy of information we have reported to a credit bureau. If you think any information about your Account that we have reported is incorrect, please contact Sable by phone number or email shown on your statement. Include your name, address, telephone number and a brief description of the issue. If available, please include a copy of the credit report in question. We will research your issue and if we confirm that you are correct, we will contact the consumer reporting agency we reported to and request a correction.
Disputed Charges And Payments
All written communications concerning disputed charges or payments made must be communicated to Sable by email at help@sablecard.com and include your name, address, account number, and description of the disputed charge or payment. Your communication must reach us within 60 days after the first bill with the error was communicated to you. We will reply within 30 days after receiving your dispute, unless the problem has been resolved. We will work to resolve your dispute within two billing cycles after sending the initial letter.

After we finish our investigation one of two things will happen:

1. If a mistake was made you will not have to pay the amount in question or any interest or other fees related to that amount.
2. If we do not believe there was a mistake you will have to pay the amount in question, along with any applicable interest and fees. We will send you a statement of the amount you owe and the date payment Is due.

The billing rights summary in this Agreement describes in further detail about what to do if you think there is a mistake on your bill.

We do not give up any rights under this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations.
Events Of Default
Subject to applicable law, we may consider your Account in default at any time if: (1) you fail to pay at least the Minimum Payment by the Payment Due Date; (2) you attempt to engage in a transaction over the Credit Limit; (3) you make a payment that is returned unpaid to us for any reason; (4) you breach any term under this Agreement; (5) we determine that any statement made by you to us in connection with this Agreement, your Card or your Account was false or misleading; (6) you breach any terms under any other agreement that you have with us or Sable or with any the affiliates of any of them; (7) you file for bankruptcy or some other insolvency proceeding is filed by or against you; (8) you are declared incompetent or mentally incapacitated, or in the event of your death; or (9) we have any reason to believe you may not be creditworthy
Default Remedies Including Collection Costs
Upon your default and subject to any limitations or requirements of applicable law: (1) we may declare the entire amount you owe us immediately due and payable and/or suspend or cancel your Account privileges; and (2) you agree to pay all reasonable costs, including all court costs plus all reasonable attorneys’ fees if we must refer your Account for collection to any attorney who is not our employee.
Rules And Conduct
As a condition of use, you promise not to use Sables account or card(s) for any purpose that is unlawful or prohibited by this Cardholder Agreement, or any other purpose not reasonably intended by Sable. You agree to abide by all applicable local, state, national and international laws and regulations, and by the terms of any other agreements you may have with Sable. By providing us with any information, you represent and warrant that you have all necessary right, consent and authority to provide us with such information. You understand and agree that we shall have the sole right to decide whether you are in violation of any of the restrictions set forth in these Cardholder Agreement, and shall have sole discretion regarding the course of action to take in connection therewith.

You shall not: (i) use this Services for any purpose that is unlawful; (ii) take any action that imposes or may impose (as determined by us in our sole discretion) an unreasonable or disproportionately large load on our (or our third party providers') infrastructure; (iii) interfere or attempt to interfere with the proper working of the Services or any activities conducted on the Services; (iv) bypass, circumvent or attempt to bypass or circumvent any measures we may use to prevent or restrict access to the Services (or other accounts, computer systems or networks connected to the Services); (v) run any form of auto-responder or "spam" on the Services; (vi) use manual or automated software, devices, or other processes to "crawl" or "spider" any page of the Services; (vii) harvest or scrape any Content from the Services; (viii) violate or infringe upon the rights of Sable or any other third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; (ix) engage in harassing, abusive, profane, or abusive conduct; or (x) otherwise take any action in violation of our guidelines and policies.

If at any time you are in violation of these Terms of Use, we may in our sole discretion and without advance notice choose to suspend, terminate, or throttle your access to your Card, your Account or both.
Suspension / Revocation / Cancellation
Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use the Card or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice. Any such actions on our part will not affect your obligation to pay us the outstanding balance and interest under the terms of this Agreement. We are not liable for any refusal to honor your Card or Account, or for the retention of your Card by any person or entity. If we revoke or cancel the Card, you must destroy or return the Card. You may not use a Card after it has expired or after it has been revoked or cancelled. You may cancel your Account at any time. We may require that you return your Card and that it be cut in half. Your cancellation of the Account will not affect your obligation to pay us the outstanding balance and interest under the terms of this Agreement. If you ask us to cancel your Account but we believe you have continued to use your Account after the date of cancellation, we will consider such use as your request for reinstatement of your Account and we may then reinstate your Account
Closing Your Account
You may close your Account at any time by sending an email to help@sablecard.com or calling us at 833-583-8383. If your Account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do.
Termination
We may terminate your access to your Card at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of some or all information associated with you to the extent permitted by applicable law. All provisions of these Cardholder Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Inadvertent Overcharges
It is not our intention to charge any interest charges or other amounts in excess of those permitted by applicable law or this Agreement. If any interest charge, fee or other amount is finally determined to be in excess of that permitted by applicable law or this Agreement, the excess amount will be credited to your Account or refunded to you.
IMPORTANT INFORMATION ABOUT THIS AGREEMENT
Severability
Subject to the Arbitration Agreement: (1) if any part of this Agreement conflicts with applicable law, that law will control, and this Agreement will be considered changed to the extent necessary to comply with that law; and (2) if any part of this Agreement is determined by a court of competent jurisdiction to be invalid, the remainder of this Agreement will remain in effect.
Entire Agreement
You acknowledge that this Agreement, as amended constitutes the entire agreement between you and us with respect to the Account and the Card, and supersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral communication or understanding between you and us concerning the Account or the Card. If we offer or provide rewards in connection with the Account, the disclosures relating to such rewards are separate and not part of this Agreement.
Waiver
Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion shall not constitute a waiver of such rights on any other occasion. We will not lose our rights under this Agreement because we delay in enforcing any of them.
Indemnification
You shall defend, indemnify, and hold harmless us, our affiliates, payment card networks and payment processors, and each of our and their respective employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Services or any Content, violation of this Cardholder Agreement, or infringement of any intellectual property or other right of any person or entity. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.
Governing Law
Except as provided in the Arbitration Agreement below, this Agreement and your Account are governed by federal law and, to the extent state law applies, the laws of Washington State without regard to its conflicts of law principles.
Headings And Tables
The section headings and table structure of this Agreement are inserted only for convenience and are in no way to be construed as substantive parts of this Agreement.

E-SIGN Consent

Consent to Electronic CommunicationWe would like to communicate with you using electronic means. When you agree to the Terms and Conditions and click the “I Agree” button, this tells us:You agree to receive any electronic communication from us for any purpose;You agree to receive an electronic version of any written notice or disclosures we must send you under law (“Legal Disclosures”); andYou understand that to receive Legal Disclosures, you must meet the requirements in Section 2 below.

When we send electronic communication, including a Legal Disclosure, it may come in the form of an update to our website or within our mobile app; as an email, text, or communication on social media; as a notification on mobile, tablet, or wearable devices; or through other electronic means. When you sign-up for an Account with Sable, we will request your mobile telephone number. We request this information in order to send you security confirmation text messages and information about your Account and our Services. By clicking or tapping the “I accept” button below you are telling Sable that you consent and agree to accept and receive communications from us, including via e-mail, text message, calls and push notification to the mobile telephone number you provide us. As part of this consent, Sable, or someone on our behalf, may send you communications generated by automatic telephone dialing systems [and/or deliver pre-recorded messages] that includes (i) security confirmation messages; (ii) communications about your Account (such as transfers you requested or received), (iii) communications about use and updates to our Services, and (iv) other information concerning your Account and our Services. Sable does not charge you when we communicate with you via text message, but your phone carrier will apply standard text messaging charges and data rates.

Technology Requirements

In order to receive electronic communications, including Legal Disclosures, you must have:

Resolving a Dispute with Arbitration

PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION AT EITHER PARTY’S REQUEST. UNLESS YOU REJECT IT WITHIN THIRTY (30) DAYS AFTER YOUR ACCOUNT IS OPENED, THE ARBITRATION AGREEMENT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. THIS PROVISION DOES NOT APPLY IF YOU ARE A “COVERED BORROWER” AS DEFINED IN THE MILITARY LENDING ACT, 10 U.S.C. § 987.

Agreement to Arbitrate: Maintaining good relationships with our customers is very important to us. We ask that you contact us immediately if you have a problem with your Account or a service we provide. Often a telephone call to us resolves the matter quickly and amicably. However, if you and we are unable to resolve our differences informally, you agree by opening or maintaining an Account with us, that if any dispute between you and us arises regardless of when it occurs, it will be settled using the following procedures: YOU AND WE AGREE AND UNDERSTAND THAT (1) YOU AND WE ARE GIVING UP THE RIGHT TO TRIAL BY JURY AND (2) THIS SECTION PRECLUDES YOU AND US FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS. In addition, your agreement to arbitrate and waive trial by jury shall be applicable to parties acting on our behalf, including agents or independent contractors who collect your account on our behalf or purchase your account, and to parties acting on your behalf, such as your authorized users, heirs, or representatives. This Arbitration Agreement is governed by the Federal Arbitration Act (FAA), 9 U.S.C. §§ 1 et seq., and not by any state arbitration law. Except as set forth below, the parties agree to arbitrate any dispute or controversy concerning your Account or related products or services. Either party may request that the matter be submitted to arbitration.

Commencing an Arbitration: The party electing arbitration must notify the other of such election. This notice may be given before or after a lawsuit has been filed concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by papers filed in the lawsuit such as a motion to compel arbitration. If you elect arbitration you must notify us in writing. Your notice must be sent to Coastal Community Bank, Finance Department, 5415 Evergreen Way, Everett, WA 98203 AND an email notification to Sable, help@sablecard.com. If we elect arbitration we will notify you in writing at your last known address on file.

Claim: A “Claim” is any unresolved claim, dispute or controversy between you and us, whether past, present or  future, arising out of or related to this Agreement, your Account, products or services governed by this Agreement or  the relationships resulting from this Agreement or your Account. “Claim” has the broadest possible meaning, and  includes initial claims, counterclaims, cross claims and third-party claims. It includes disputes based upon contract,  tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and  equity (including any claim for injunctive or declaratory relief). Solely for purposes of this Arbitration Agreement, the  terms “we,” “us” and “our” also include Sable and any person or entity named as a co-defendant with us in a Claim  asserted by you. Notwithstanding the foregoing, individual actions brought in small claims court (or your state’s  equivalent court) are not eligible for arbitration; however, if the action is transferred, removed, or appealed to a  different court, it shall be eligible for arbitration at either party’s request. 

‍Binding Arbitration: Binding arbitration is a means of having an independent third party (the arbitrator) resolve a  dispute without using the court system, judges or juries. Either you or we can request binding arbitration. Each  arbitration, including the selection of the arbitrator, shall be administered by the American Arbitration Association  (AAA), according to the Consumer Arbitration Rules of the AAA. A single arbitrator shall be appointed. If you have a  question about the AAA, you can contact them as follows: American Arbitration Association, 1633 Broadway 10th  Floor, New York, NY 10019, 1-800-778-7879, www.adr.org. If the AAA is unable to serve as administrator and you  and we cannot agree on a replacement, a court with jurisdiction will select the administrator or arbitrator, provided  that no company may serve as administrator, without the consent of all parties, if it adopts or has in place any formal  or informal policy that is inconsistent with and purports to override the terms of the Class Action Waiver in this  Arbitration Agreement. 

‍Powers and Qualifications of Arbitrators and Arbitration Procedures: Any arbitration hearing that you attend will  take place in a location that is reasonably convenient for you. If you cannot obtain a waiver of the AAA’s or arbitrator’s  filing, administrative, hearing and/or other fees, we will consider in good faith any request by you for us to bear such  fees. Each party will bear the expense of its own attorneys, experts and witnesses, regardless of which party prevails,  unless applicable law or this Agreement gives a right to recover any of those fees from the other party. The arbitrator  shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and  privilege rules that would apply in a court proceeding, and shall be authorized to award all remedies available in an  individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory and punitive  damages (which shall be governed by the constitutional standards applicable in judicial proceedings), declaratory,  injunctive and other equitable relief, and attorneys’ fees and costs. Upon the timely request of either party, the  arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator’s award will be final and  binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the  arbitrator’s award. 

‍Class Action Waiver: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE  ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING  CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNT HOLDER. 

The arbitrator shall have no authority to conduct any class, private attorney general or other representative  proceeding, and shall award declaratory or injunctive relief only in favor of the party seeking relief and only to the  extent necessary to provide relief warranted by that party’s individual claim. If a court determines that this paragraph  is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the court’s  determination shall be subject to appeal. 

‍Rights Preserved: This Arbitration Agreement and the exercise of any of the rights you and we have under this  Agreement, does not stop you or us from exercising any lawful rights either of us has to use other available remedies;  to comply with legal process; to obtain provisional remedies such as injunctive relief, attachment or garnishment by a  court of appropriate jurisdiction; or to bring an individual action in court that is limited to preventing the other party  from using or obtaining any provisional or self-help remedies and that does not involve a request for damages or  monetary relief. 

Enforcement: You or we may bring an action, including a summary or expedited motion, to compel arbitration of  Claims subject to arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction.  Such action may be brought at any time, even if such claims are part of a lawsuit, unless a trial has begun or a final  judgment has been entered. Any dispute concerning the validity or enforceability of this Arbitration Agreement must  be decided by a court; any dispute concerning the validity or enforceability of the Agreement as a whole is for the arbitrator. Failure or forbearance to enforce this Arbitration Agreement at any particular time or in connection with any  particular Claims will not constitute a waiver of any rights to require arbitration at a later time or in connection with any  other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. If  either you or we fail to submit to binding arbitration following a lawful demand, the party who fails to submit bears all  costs and expenses incurred by the party compelling arbitration. 

‍Survival and Severability of Terms: This Arbitration Agreement shall survive: (i) termination or changes in the  Agreement, the Account, or the relationship between you and us concerning the Account; (ii) the bankruptcy of any  party; and (iii) any transfer, sale or assignment of your Account, or any amounts owed on your Account, to any other  person or entity. If any portion of this Arbitration Agreement (except for the Class Action Waiver set forth above) is  deemed invalid or unenforceable, the remaining provisions of the Arbitration Agreement shall remain in force. No  portion of this Arbitration Agreement may be amended or waived absent a written agreement between you and us. 

‍RIGHT TO REJECT: You may reject this Arbitration Agreement by mailing a signed rejection notice to Sable,  help@sablecard.com within thirty (30) calendar days after your Account is opened. Any rejection notice must include  your name, address, email address, and telephone number. 

This is the only manner you can reject this section. If you do that, only a court may be used to resolve any Claim. If  you reject this Arbitration Agreement, that will not affect any other provision of the Agreement. 

Your Billing Rights 

Your Billing Rights - Keep This Document for Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find a Mistake on Your Statement. 

If you think there is an error on your statement, please contact Sable by email at help@sablecard.com with  the subject line “DISPUTE” or by phone at 833-583-8383.  

In your communication, give us the following information: 

Account information: Your name and Sable e-mail address. 

Transaction information: The dollar amount(s) of the suspected error and date(s) of the transaction(s) in question. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you  believe it is a mistake.  

You must contact us: 

• No later than sixty (60) days after we sent you the FIRST statement on which the error or problem appeared • At least three (3) business days before an automatic payment is scheduled, if you want to stop payment on the  amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are  not required to investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Communication. 

When we receive your notice, we must do two things: 

1. Within thirty (30) days of receiving your notice, we must tell you that we received your notice. We will also tell you if  we have already corrected the error. 

2. Within ninety (90) days of receiving your notice, we must either correct the error or explain to you why we believe  the bill is correct. 

‍While we investigate whether or not there has been an error: 

• We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit.

‍After we finish our investigation, one of two things will happen: 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that  amount. 

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest  and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you  as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us  that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are  questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let  those organizations know when the matter has been settled between us.  

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your  bill is correct. 

‍Your Rights If You Are Dissatisfied With Your Credit Card Purchases. 

If you are dissatisfied with the goods or services that you have purchased with your 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 purchase.  

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and  the purchase price must have been more than $50; 

2. You must have used your credit card for the purchase; and 

3. You must not yet have fully paid for the purchase.  

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us by email at  help@sablecard.com with the subject line “DISPUTE” or by phone at 833-583-8383.  

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our  investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may report  you as delinquent. 

Military Lending Act Disclosure 

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 thirty-six percent (36%). 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). Additionally, if you are a “covered borrower” as defined in the Military Lending Act, the  provision in this Agreement called “Resolving a Dispute with Arbitration” will not apply to your Account. 

Additional State Notices 

‍All Accounts, including California and Utah Residents: 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. 

‍Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your  marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely  affects a creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the  agreement, statement or decree or has actual knowledge of the adverse provision.

‍Maryland Residents: You have the right under Section 12-510 of the Commercial Law Code to receive an answer to  a written inquiry concerning the status of your Account. Finance charges will be imposed in amounts or at rates not in  excess of those permitted by law. 

‍New Jersey Residents: Because certain provisions of this Note are subject to applicable laws, they may be void,  unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or  inapplicable in New Jersey. 

‍Missouri Residents: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing  repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (borrower)  and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are  contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we  may later agree in writing to modify it. 

New Hampshire Residents: This Agreement provides for reasonable attorneys’ fees to be awarded to us in an  action against you involving this Agreement. Reasonable attorney's fees will be awarded to you if you prevail in any  action, suit or proceeding brought by us; or an action brought by you. If you successfully assert a partial defense or  set-off, recoupment or counterclaim to an action brought by us the court may withhold from us the entire amount or  such portion of the attorney fees as the court considers equitable. 

Terms and Conditions for Adding your Sable Card to a Digital Wallet

By adding your Sable Card to a Digital Wallet, you accept and agree to the following: 

By adding your Sable Card to a Digital Wallet, you accept and agree to the following: 
1. Adding your Sable Card
You can add an eligible Sable Card to a supported Digital Wallet by following the instructions of the Digital Wallet provider. During registration, you may be required to take additional steps to authenticate yourself before your Sable Card is added to a Digital Wallet, such as providing additional identifying or verifying information. When adding your card to a Digital Wallet, a Digital Wallet Provider may add a unique identifier different from your Card number (“Device Account Number”) to your Digital Wallet that enables you to make purchases through that Digital Wallet.

If your Sable Card is not in good standing or your account is frozen for any reason, then your Sable Card will not be eligible to be added to any Digital Wallet and if already in a Digital Wallet, the card may be deactivated or removed. When you add a Sable Card to the Digital Wallet, you may use the Digital Wallet to transact with retailers who support that Digital Wallet. Note though, a Digital Wallet may not be accepted everywhere where your Sable Card is accepted
2. Terms that Apply
In addition to these Terms, you agree that when you use a Digital Wallet, you will remain subject to the terms and conditions of all your existing agreements with us, your mobile service carrier (e.g., AT&T, Sprint, T-Mobile, Verizon, etc.), and your Digital Wallet Provider (e.g., Apple, Google, Samsung, etc.). These Terms do not amend or supersede any of those agreements, including but not limited to, your Sable Credit Card Cardholder Agreement (“Cardholder Agreement”), disclosures agreed to as part of opening your Sable card (including, as applicable, the Privacy Policies and Truth in Lending Disclosure), and the Arbitration Agreement included in your Cardholder Agreement.

Any applicable interest, fees, and charges that apply to your Sable Card or underlying account will also apply when you use a Digital Wallet to make purchases with your Sable Card. We currently do not charge any additional fees for adding your Sable Card to a Digital Wallet, but we reserve the right to impose a fee in the future.

You understand that a Digital Wallet provider, or another third-party supporting a Digital Wallet provider, may however charge a fee or impose certain restrictions or limitations for using your Sable Card in a Digital Wallet. You agree that you are solely responsible for compliance with such agreements.
3. Third-Party Disputes
You understand and agree that we are not a Digital Wallet provider and therefore, are not responsible for the products and services associated with a Digital Wallet. Accordingly, you agree to resolve any disputes directly with the Digital Wallet provider or third-party service provider (such as your mobile service carrier) without involving us. Such disputes may include, but are not limited to, payment failures caused by the Digital Wallet and errors or delays caused by the inability to use the Digital Wallet for a transaction. We are not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of the Digital Wallet or any third party’s products or services.
4. Notifications
You consent to us and/or the Digital Wallet provider sending you notifications through the Digital Wallet from time to time reflecting your Sable Card account activity and/or marketing messages. If you do not wish to receive notifications, you may turn them off through your device’s settings or by the procedures established by the Digital Wallet provider.
5. Transaction History
The transaction history displayed in a Digital Wallet is for illustrative purposes only and may be preliminary and/or incomplete. You understand and agree the transaction amount that ultimately clears, settles, and posts to your Sable Card’s monthly statement serves as the final record, even if it does not match the details of the Digital Wallet provider’s transaction history.
6. Lost, Stolen or Illegal Use of your Eligible Device or Card
Some Digital Wallets can only be used with a compatible device determined by the Digital Wallet Provider for that Digital Wallet (“Eligible Device”). Devices modified contrary to the manufacturer’s software or hardware guidelines, including by disabling hardware or software controls—sometimes referred to as “jailbreaking”—are not Eligible Devices. You acknowledge that the use of a modified device to use your Sable Card in connection with a Digital Wallet is expressly prohibited, constitutes a violation of these Terms, and is grounds for us to deny you access to your Sable Card through a Digital Wallet(s).If you believe your Eligible Device or your credentials have been lost, stolen or otherwise compromised, or someone has used or may use your Eligible Device or your credentials without your authorization, you must call us immediately at the number on the back of your Sable Card. Additionally, please refer to and follow the instructions provided by the Digital Wallet provider. If you fail to notify us without delay, you may be liable for part or all the losses in connection with any unauthorized use of your Sable Card in connection with that Digital WalletDue to the way a Digital Wallet operates, you may need to present your Eligible Device to a merchant when you return an item purchased using that Digital Wallet on such Eligible Device. So, for example, if you make a purchase using your Apple Wallet on your iPhone, the merchant may require you to have that same iPhone present to return the item.
7. Suspension/Removal of your Sable Card
We reserve the right to discontinue offering or supporting Digital Wallet services at any time for any reason. Unauthorized use of a Digital Wallet, including, but not limited to, unauthorized entry into our systems, misuse of passwords or misuse of other information, is strictly prohibited and will result in suspension and/or termination of your use of a Digital Wallet. We reserve the right to block, restrict, suspend, or terminate your use of any Digital Wallet at any time without notice for any reason, including if you violate these Terms or any other agreements with us, except as otherwise required by applicable law. You agree that we will not be liable to you or any third party for any suspension, cancellation or termination of your use of a Digital Wallet.

For instructions on how to remove your Sable Card from a Digital Wallet, contact the Digital Wallet provider.
8. Authorization to Collect and Share Data
You agree that we may collect, transmit, store, and use technical, location, log in, or other information about you or your use of your Sable Card through a Digital Wallet. You also acknowledge that we may share certain details of your Sable Card Digital Wallet transactions with the Digital Wallet provider, merchants, a payment network, and others in order to provide the services you have requested, to make information available to you about your Sable Card transactions, and to improve our ability to offer these services. This information helps us to add your Sable Card to the Digital Wallet and to maintain the Digital Wallet services.
9. Privacy
We do not control the privacy and security of your information that may be held by the Digital Wallet provider. You acknowledge that the use and disclosure of any personal information provided by you directly to a Digital Wallet provider, payment network, or other third parties supporting that Digital Wallet, will be governed by such party’s privacy policy and not the Sable Card General Privacy Policy.
For instructions on how to remove your Sable Card from a Digital Wallet, contact the Digital Wallet provider.
10. Electronic Communications
You agree to receive electronic communications and disclosures, including automatically dialed calls or text messages, from us on your devices at the number you provide. You also agree that we can contact you by email at any email address you provide to us in connection with any Sable product, service or account, or through the mobile device on which you have downloaded the Sable Mobile app. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes. If at any time you revoke this consent, we may suspend or cancel your ability to use your Sable Card in connection with a Digital Wallet.
For instructions on how to remove your Sable Card from a Digital Wallet, contact the Digital Wallet provider.
11. Paper Versions
If you would like a paper copy of any Legal Disclosure we provide you, please contact us at help@sablecard.com. and we will mail one to you at no cost.
12. Merchant Relationships and Disclaimers
Merchants may offer you certain discounts, rebates or other benefits (e.g. free shipping) (“Offers”) in a Digital Wallet. Such Offers are subject to certain terms and conditions and may change at any time without notice to you. We will not be liable for any loss or damage as a result of any interaction between you and a merchant with respect to such Offers. Subject to applicable law and your Cardholder Agreement, all matters, including delivery of goods and services, returns, and warranties, are solely between you and the applicable merchants. You acknowledge that we do not endorse or warrant the merchants that are accessible through a Digital Wallet or the Offers they provide.
13. Ending or Changing these Terms; Assignments
We can add to, delete portions of, or terminate these Terms at any time without notice to you, except where required by law. Your use of a Sable Card in a Digital Wallet after we have made such changes available will be considered your agreement to the changes. Furthermore, subject to applicable law, at any time we may (i) terminate your use of any Sable Card in connection with a Digital Wallet, (ii) modify or suspend the type or dollar amounts of transactions allowed using Sable Cards in connection with a Digital Wallet, (iii) change the Sable Card’s eligibility for use with a Digital Wallet and/or (iv) change the Sable Card authentication process. You cannot change these terms, but you can terminate these Terms at any time by removing your Sable Card from any Digital Wallets. You may not assign these Terms.
14. Governing Law
These Terms are governed by federal law and, to the extent that state law applies, the laws of the State of Washington without regard to its conflicts of law provisions. Disputes arising out of or relating to these Terms will be subject to the Arbitration Agreement in your Cardholder Agreement.
15. Indemnification
You agree to indemnify and hold us, our licensors, sponsors, agencies, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of (i) your use of a Digital Wallet service or (ii) any breach of the terms and conditions set forth in these Terms by you or other users of your Sable Card or Digital Wallet credentials. You must use your best efforts to cooperate with us in the prosecution or defense of any such claim. We reserve the right to employ counsel of our choice to defend and control any such matter subject to indemnification by you. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis.

As provided in the Cardholder Agreement, you are responsible for all uses of your Sable Card account by third-parties you gave access to, including if these third-parties 18misuse your Sable Card or any Digital Wallet services.
16. Limitation of Liability: No Warranties
WE ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO YOUR ADDING YOUR SABLE CARD TO A DIGITAL WALLET, OR YOUR ACCESS OR USE OF A DIGITAL WALLET. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL DIGITAL WALLETS AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT INCLUDED IN OR ACCESSIBLE FROM THE DIGITAL WALLETS.
17. Questions
If you have any questions, disputes, or complaints about the Digital Wallet, contact the Digital Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Sable Card, then contact Sable Card support by emailing help@sablecard.comor calling the number on the back for your card.

Security Agreement

This is the Security Agreement for your Sable Secured Credit Card Account ("Account"). The words "you," your," and "yours" mean you and any other person(s) who are contractually liable under the Cardmember Agreement governing the Account. The words "our," "us," and "we" mean Sable and Coastal Community Bank. "Business days" are Monday through Friday, excluding Federal Reserve Bank holidays.

1. Security Deposit Account
n consideration of and as a condition to our opening the Account for you and other good and valuable consideration, you are providing funds from an account in your name to serve as security for your Account ("Funds"). We will hold these Funds in an account ("Security Deposit Account") under our exclusive control. You must maintain this Security Deposit Account as security for the Account, and you grant us a security interest in the Security Deposit Account. This Security Deposit Account will include any and all future extensions, renewals, or replacements of the Security Deposit Account. No portion of the Security Deposit Account may be used to secure other loans. The minimum amount required to be deposited is the amount of your initial Account credit line but will not be less than $10.00. You may make a transfer to the Security Deposit Account solely for purposes of funding your required security deposit. The Security Deposit Account will be solely owned by you. Funds in Discover Bank Security Deposit Accounts are insured by the Federal Deposit Insurance Corporation ("FDIC") up to the maximum allowable limits. For more detailed information on FDIC coverage, contact the FDIC directly at 1-877-ASKFDIC (1-877-275-3342), (TDD: 1-800-925-4618) or visit www.fdic.gov. Coastal Community Bank will maintain separate records to account for your Funds.
2. Withdrawals
You will not be permitted to make withdrawals from the Security Deposit Account (See Section 7 below for terms and conditions regarding return of the Funds and closure of your Account.)
3. Additional Funds
Other than depositing Funds to secure your Account, you will not be permitted to make deposits to the Security Deposit Account.
4. Security Deposit Account Statements
You will get a monthly Security Deposit Account statement as part of your Account statement.
5. Electronic Fund Transfers to or from your Security Deposit Account
You may fund your Security Deposit Account with an electronic fund transfer ("Transfer"). If we do not complete a Transfer to your Security Deposit Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, we will not be liable if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. In case of errors or questions about your funding Transfers call us at 833-583-8383 or email us at help@sablecard.comas soon as you can, if you think your statement is wrong or if you need more information about a funding Transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. (1) Tell us your name and Account number. (2) Describe the error or the Transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Security Deposit Account within 10 business days for the amount you think is in error (if applicable), during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Security Deposit Account (if applicable). For errors involving a new Security Deposit Account, we may take up to 90 days to investigate your complaint or question. For a new Security Deposit Account, we may take up to 20 business days to credit your Security Deposit Account (if applicable) for the amount you think is in error. We will tell you the results within three business days after completing.
6. Pledge and Grant of Security Interest
You understand that granting us a security interest in the Security Deposit Account and the Funds is a necessary condition for opening your Account. As security for the prompt payment and performance of all your obligations to us arising pursuant to the Account ("Obligations"), you hereby grant a security interest to us in all of your right, title, and interest in the Security Deposit Account and any and all Funds, including all proceeds of and additions to the Security Deposit Account and the Funds. We may increase or decrease your Account credit line and no such action shall change the fact that the Security Deposit Account and the Funds are held by us as security for the Obligations. You represent that there are no current lawsuits or bankruptcy proceedings that might affect our interest in the Security Deposit Account or the Funds. You have not and will not attempt to transfer or offer any interest in the Security Deposit Account or the Funds to any person other than us. You and we acknowledge that subject to our possession of and security interest in the Security Deposit Account and the Funds, you retain beneficial ownership of the Security Deposit Account and the Funds for FDIC insurance purposes.
7. Interest on Funds
No interest will be paid on the Funds. If we do pay interest in the future, we will add it to the Security Deposit Account
8. Application of Funds to the Account
If you are in default under the Cardmember Agreement or the Account is closed for any reason, you authorize us at any time(s) to withdraw all or any portion of the Funds from the Security Deposit Account and apply them to reduce your Obligations. Any such application of Funds will not constitute any part of the Minimum Payment Due under the Cardmember Agreement. You will continue to be responsible for making payments as required under the Cardmember Agreement and for repaying any outstanding Obligations. Our rights under this Security Agreement are in addition to any others we have under applicable law. We may make settlements or compromises on the Security Deposit Account, transfer the Security Deposit Account to our name, or exercise ownership rights on the Security Deposit Account. We are not required to notify you of any of the above.
9. Return of Funds
If we determine that you qualify for return of any Funds from the Security Deposit Account, we will return these Funds to you by a method we deem sufficient. If your Account is closed, we will return any excess Funds that remain in the Security Deposit Account after repayment of all Obligations. We generally return these excess Funds within ten days after the end of the second billing period following the time that Funds are initially applied to reduce your Obligations. If we mail a check to you, we will mail it to your mailing address on file with us for the Security Deposit and Card Accounts. In the event of your death, we will not release Funds on deposit unless all Obligations have been repaid and all legal documents we require are delivered to us.
10. Confidentiality
We will disclose information to third parties about your Security Deposit Account or any transfers you make: (a) where it is necessary for completing a transfer, or (b) in order to verify the existence and condition of your Security Deposit Account for a third party, or (c) in order to comply with government agency or court orders, or (d) if you give us your written permission, or (e) as permitted by the privacy notice we have provided to you.For instructions on how to remove your Sable Card from a Digital Wallet, contact the Digital Wallet provider.
11. Legal Proceedings
We may comply with any writ of attachment, adverse claim, garnishment, tax levy, restraining order, subpoena, warrant, or other legal proceeding involving your Security Deposit Account which we believe to be valid. If your Account, your Security Deposit Account, or your Funds become involved or are likely to become involved in a legal proceeding, you understand that the entire balance of your Funds in the Security Deposit Account may be restricted until the matter has been resolved. Such proceedings are subject to our security interest. We shall be entitled to rely upon the representations, warranties, and statements made in such legal proceedings. You agree to hold harmless and indemnify us for any losses, expenses and costs, including reasonable attorneys' fees, incurred by us as a result of complying with such legal proceedings. In addition to the events of default set forth in the Cardmember Agreement, you will be in default under the Cardmember Agreement if we are served or become involved with a legal proceeding regarding the Funds or Security Deposit Account.
12. Miscellaneous
This Security Agreement and our security interest and rights as pledge hereunder are governed by Washington State law. We may, in our sole discretion, assign the Security Deposit Account and our rights and obligations under this Security Agreement. If we use an attorney to defend or enforce our rights under this Security Agreement or to perform any legal services in connection with this Security Agreement, we may charge you our legal costs as permitted by law. This Security Agreement supplements the Cardmember Agreement. The other terms of the Cardmember Agreement apply to this Security Agreement, and as such disputes regarding the terms of this Security Agreement are subject to Arbitration as set forth in the Cardmember Agreement. The terms of this Security Agreement shall survive and continue to apply to the Security Deposit Account following closure of the Account or the Security Deposit Account, and shall be binding on you even if you cancel your Account or do not accept the Cardmember Agreement as permitted in the Cardmember Agreement. If any part of the Security Agreement is invalid, the rest of the Security Agreement will remain in effect.

The Sable Card is issued by Coastal Community Bank, Member FDIC.

SABLE ONE Credit Card REWARDS & BENEFIT TERMS  November 20, 2020  

The following benefits and services are subject to change or cancellation.  

These Sable Rewards Terms and Conditions (these “Terms and Conditions”) are provided to Sable One  Credit Card account holders (“You" or “Your") by Sable Money Inc. (“Sable," “our” or “we”) solely for  the purpose of promoting and offering the Sable One reward program (“Program") redemption offers to  qualified Sable One Card holders who have been enrolled in the program to obtain a Sable One Card  rewards account (“Rewards "). These Terms and Conditions are a separate agreement and are not part  of the Terms and Conditions of Your Sable Account or Your Sable One Credit Card Cardholder  Agreement (the “Agreement”). 

THESE TERMS AND CONDITIONS ARE SUBJECT TO MANDATORY ARBITRATION PURSUANT TO  THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION PROVISION.  

The Program, including these terms and conditions, is subject to the Governing Law and Arbitration  provisions of the Cardholder Agreement governing your Card Account. You consent and authorize us,  our affiliates or any non-affiliated third parties with whom we contract to manage the Program to share  information about you and the Program, as necessary, to effect, administer, enforce, service, or fulfill the  terms of the Program. 

Program Overview  

As a Sable One Card Account holder, you will be given the option to enroll in the Sable Rewards  Program via the Sable mobile application, and will earn points or cash back which you can then redeem  for a statement credit. Cash Back or Points can be earned by meeting the requirements of Qualifying  Transactions as described below. 

Earning Points and/or Cashback  

You will earn and accrue points or cash back based on purchase activity and usage of Your Sable One  Account (as defined in the Agreement), according to the active earnings categories which can be found  on the Sable Rewards website www.sablecard.com/rewards. In addition to the active earnings  categories, You may earn points or cash back as may be authorized by Sable from time-to-time for  special programs, promotions or transactions that may be offered for limited time periods and for which  additional terms and conditions may apply. With this credit card, you will earn rewards, in the form of  statement credits, by using your card for purchases. 

“Net Merchandise Purchases” means purchases of merchandise or services on the Sable One Credit  Card -, less any returned merchandise credits or service credits posted to the Sable One Credit Card.  Net Merchandise Purchases do NOT include any fees or interest charges, unauthorized or fraudulent  

charges, cash advances (if applicable), lottery tickets, race track wagers, or similar betting transactions  (using Sable One Card for betting is not an approved use), person to person payments, purchases of gift  cards, purchases of travelers checks, money orders or associated fees, purchases or reloading of  prepaid cards, purchases of foreign currency, or purchases of other cash equivalents as well as casino  gaming chips, or fees or premiums for coverage or insurance to protect the balances of a Sable One  Credit Card holder’s Sable One Credit Card. 

Merchants who accept the Sable Card are assigned a merchant code, which is determined by the  merchant or its processor in accordance with card brand procedures based on the kinds of products  and services they primarily sell. As such, even though a merchant may sell retail items that may be  similar to retail items sold by another merchant, the merchants may not have the same merchant code,  and therefore the purchases at the merchant may not be included in the same category for the purposes 

of earning points or cash back. Net Merchandise Purchases must be submitted by merchants using the  identified merchant category codes to qualify for earning points or cash back. We are not responsible  for incorrectly coded transactions. Additionally, purchases made through third parties, including  resellers, or using a third-party payment account may not be eligible for accruing points or cash back.  Sable reserves the right to remove merchants from the Reward Program in its sole discretion including  when required by local laws, rules, or regulations. Questions concerning eligible transactions and what  constitutes Net Merchandise Purchases will be determined in the sole discretion of Sable. 

Foreign Currency Transactions. You can also benefit from Offers while traveling. When you make a  Qualifying Transaction in a foreign currency, the amount of Cash Back Points earned will be determined  using the exchange rate to U.S. Dollars determined by the payment network (MasterCard). 

The points or cash back You earn will be credited to Your Rewards balance, which will be available to  see in your Sable mobile application, on a daily basis when transactions post to your Sable Card. We  encourage You to frequently review Your Rewards, accessible through the Sable mobile application.  Once posted to Your Rewards, these points or cash balances are available to You should You choose to  redeem them. Annual cash back rewards are limited to applicable spend up to $20,000 in a given year,  and annual points rewards are limited to applicable spend up to $30,000 in a given year. You cannot earn  points or cash back during any period in which Your Sable -One Credit Card is not open or is not in  Good Standing (defined below). If it has been more than thirty (30) days since the transaction and points  or cash back are not reflected on Your Rewards summary, please contact customer service at  1-833-583-8383 or help@sablecard.com. Inquiries must be made within sixty (60) days of the  transaction. “Good Standing” means a Sable -One Credit Card or Sable Card that is not designated by  Sable as lost, stolen, revoked or closed or is not otherwise in default of any of the terms of the  Agreement. In the event of a lost or stolen card, or if we will have to issue a new account number, we  will transfer your cash back to the new account.  

If your account is not in Good Standing and we temporarily suspend your ability to make a  transaction(s), you will not earn points or Cash Back and you will not be able to redeem any Available  points or Cash Back balances until your Card Account returns to Good Standing. If your Card Account is  closed by us because it is not in Good Standing or for any other reason you will forfeit any unredeemed  Available points or Cash Back balances. If your Card Account is closed by you for any reason, you will  forfeit any unredeemed Available points or Cash Back balances. 

No points or cash back will be retroactively applied to Your Rewards for otherwise qualifying  transactions occurring during any period in which Your Sable -One Credit Card was not in Good  Standing or when you were not enrolled into this Program. All transactions in U.S. Dollars for which  points or cash back are awarded to You will be rounded to a whole-dollar amount for purposes of  determining the number of points or cash back to be awarded. We will round the amount of points or  Cash Back earned from Qualifying Transactions down or in a manner determined in our sole discretion.  You will automatically begin earning points or cash back upon opening Your Sable One Credit Card and  enrolling in the Sable Rewards Program. You may notify Sable that You want to withdraw from the  Program at any time. 

Rewards statements will be made available through the Sable mobile application. Individual transactions  forming the basis for awarding points or cash back will not be shown on the Rewards statement—only  total points and cash back earned less any point or cash back reduction for refunds, returns or  adjustments, redeemed points or cash back and expiring points or cash back will be displayed. The  frequency, timing, content or layout of the Rewards statements are subject to change from time-to-time  at the discretion of Sable. Points or cash back cannot be combined with other discount or reward  programs unless specifically authorized by us.

700+ Credit Score Building Promotion 

To qualify for the $25 cashback promotion for building your credit score to 700+ you must have a credit  score below 650 when joining Sable to qualify for the promotion. Sable will use Experian and TransUnion  to track and verify eligible credit scores. If you do meet the qualification then you will receive a $25  statement credit within 30 days after the end of the month in which you reached a 700+ credit score. 

Redemption  

You may redeem any points or cash back credited to the Rewards by using the Sable mobile application.  Redemptions are subject to point and cash back availability (points or cash back balances will not be  available for redemption until posted to Your Rewards regardless of the date of the transaction for which  points or cash back are earned) and other requirements contained in these Terms and Conditions. 

Your points or cash back balances may only be redeemed if Your Sable One Credit Card and Your  Rewards are in Good Standing at the time of any point or cash back redemption. Points or cash back  earned in connection with an enrolled Sable Account will be reported in your Rewards.  

If applicable, Points or cash back balances may be redeemed for cash back (“Cash Back Redemption”).  Cash Back Redemption provides a specific U.S. Dollar amount that, upon redemption of points, is  applied as credit to Your Sable One Account balance. A Cash Back Redemption credited to Your Sable  One Account balance will not substitute for Your payment obligations under the Agreement. Cash Back  Redemptions will generally be credited to Your Sable One Credit Card - within two (2) business days of  Your redemption. Once you request to redeem your rewards balance, you cannot cancel or otherwise  revoke the request. We reserve the right to reject any redemption request if we cannot verify your identity  or account information. The value of a point is subject to change and can be found within the Sable  FAQs listed on sablecard.com 

Redemption for an account statement credit: 

• Login to your Sable mobile application to request to redeem your rewards balance for a statement  credit. 

• While the statement credit will reduce your balance, you are still required to make at least your  minimum payment each billing period. 

• There is no minimum to the amount of the rewards balance you are required to redeem in order to  receive a statement credit. 

• You may only redeem for a statement credit up to the amount of your current Sable One Card balance.  That is, a statement credit redemption cannot result in your Sable One Card having a credit balance (that  is, a balance less than zero). 

Points and Cash Back balances are not Your property and may not be assigned or transferred to any  person (including upon death or as a part of a domestic relations matter). Points and cash back balances  have neither cash value, surrender value, transfer value nor any other value of any kind until and to the  extent they are redeemed by Sable. Points or cash back balances cannot be used to offset any amount  due from You to Sable on the Sable One Account. Points or cash back balances used by You for  redemption will be those unredeemed points or cash back that have been in Rewards the longest time.  Points or cash back earned by You may only be redeemed for a Cash Back Redemption (a "Redemption 

Reward" or "Reward"). All redemptions are final. The sale or barter of any points, other than by Sable, is  expressly prohibited. 

If the net dollar amount of your Qualifying Transactions is negative for a billing period, points or Cash  Back balances will be deducted from your Available rewards balance and may result in a negative  Available rewards balance. 

Sable reserves the right, in its sole discretion, to suspend, cancel or modify the Program at any time and  for any reason and without prior notice. Administrative services may be provided by third party service  providers. 

Sable reserves the right, in its sole discretion, to add, delete, change or revise the Terms and Conditions  of the Sable Rewards Program including, but not limited to, qualifications for participation in the  Program, Program features or procedures, the imposition or discontinuance of special promotions or  offers, additions, deletions or revisions of Rewards offered, revisions of the amount of points or cash  back balances required for Reward Redemption, revisions of point caps, limitations or expiration  periods, revisions to disqualifying events or the imposition of new, revised or additional Program terms. 

You will be responsible for both determining and paying any federal, state or local taxes, fees or other  charges, if any, that may be imposed by any governmental or regulatory authority on Rewards obtained  through the redemption of points, whether or not such taxes, fees or other charges are imposed at the  time of point redemption or subsequently. Should Sable be required to report taxes, tax reporting, if any,  will be made to the tax ID number of the account holder, based on our records. 

The Program is owned and administered by Sable and is subject to all applicable laws and regulations.  The accrual and/or redemption of points is void where prohibited by law. We may rely on any oral or  electronic points redemption instructions we are provided regardless of whether or not you personally  stated or sent them. You agree that we are not liable for following instructions of anyone claiming to be  You. 

You agree to indemnify and hold Sable and our third-party service providers and their respective  affiliates, directors, officers, employees, agents and contractors harmless from and against any loss,  damage, liability, cost, or expense of any kind (including attorneys’ fees) arising from Your or an  authorized user’s: (i) use of the Program; (ii) any fraud or misuse of the Program; (iii) violation of these  Terms and Conditions; and/or (iv) violation of any applicable law or the rights of any third party. 

While points or cash back balances do not expire, they may be cancelled or forfeited as further set forth  in these Terms and Conditions. There are no credits, exchanges or refunds on unused points or cash  back balances. All unredeemed points or cash back balances in Your Rewards, on the day of Rewards  closure, may be forfeited if Your Rewards are closed for any reason. We may temporarily or permanently  suspend Your ability to earn points or cash back at any time, with or without cause. Sable reserves the  right, in its sole discretion, to disqualify You from participation in the Program and to cancel or invalidate  any points or cash back balances in the following events: (i) Your Sable One Credit Card balance is  negative for a period of time exceeding 30 days or any other time, as determined by Sable in its sole  discretion; (ii) Your Sable One Credit Card is in default under the Agreement; (iii) You or we close your  Sable One Credit Card for any reason; (iv) in cases of actual or suspected abuse, fraud, violations of the  Terms and Conditions or any actual or suspected abuse or fraud with respect to the Sable One Credit  Card or the Rewards, or we otherwise suspect or believe You are or have engaged in activity that we  deem to be abusive or “gaming” conduct under the Program, as determined in our sole discretion; (iv) .  Neither Sable nor its third party service providers, their respective employees, officers, affiliates or  agents will be liable to You for any action or inaction any of them take or fail to take with respect to the  Sable Rewards Program or any changes in the Terms and Conditions of the Program.

Neither Sable nor its third party service providers, their respective employees, officers, affiliates or  agents assumes any responsibility for, and will not be liable for, any financial loss, personal injury,  property loss or damage, other loss, accident, delay, inconvenience, or irregularity which You and/or  Your guest may suffer by reason of any act, default, non-performance or wrongful, careless, negligent, or  unauthorized act or omission of any Program supplier, its employees, or any third party. 

Neither Sable nor its third party service providers, their respective employees, officers, affiliates or  agents will be responsible for any errors or omissions, or for any bodily injury or property damage that  may result from participation in the Program nor for any damage, loss or expense of any nature resulting  from the usage of any Reward, defects in any Reward or from any cancellation irregularity or mishap  affecting the Reward received through the Program. 

In no event shall we or any of our affiliates or agents be responsible or liable to You, or anyone claiming  through You or on Your behalf, for any indirect, special, exemplary, punitive or consequential damages,  including without limitation lost revenue, lost profits, or lost opportunity, arising out of or relating to any  

of the acts or omissions of Sable or any of our respective affiliates or agents, or otherwise in connection  with or relating to the Program or its administration, or that result from the use of or inability to use the  Program, even if we have been made aware of the possibility of such damages. In addition, we make no  warranty or representation either expressed or implied, and expressly disclaim any and all liability and  damages with respect to type, quality or fitness for use of goods or services provided through this  Program or otherwise obtained by you in connection with the Program or through the use of redeemed  Rewards. 

You agree to notify Sable promptly upon the receipt of Your Rewards statement of any errors relating to  the addition or deletion of Sable Rewards Program points or cash back balances on Your Rewards but in  no event later than sixty (60) days after the error appeared on Your statement or Rewards summary. We  reserve the right (but are not required) to correct inaccurate point or cash back values represented in  Your Rewards summary, and to adjust point or cash back values at our sole discretion. If we do not  credit, or improperly deny, a point or cash back redemption to which You were otherwise entitled, then  your exclusive remedy will be the issuance of the improperly denied point or cash back redemption, if  available, or such other alternative benefit as we in our sole discretion may determine. Neither we nor  any of our affiliates, agents or representatives have any other or additional liability to You or any other  person for such error(s), subject to applicable law. 

In the event You redeem points or cash back balances and obtain a Redemption Reward and thereafter  any transaction on Your Sable One Credit Card for which You previously obtained and used points, in  whole or in part, to obtain a Redemption Reward is either refunded, credited or otherwise rescinded,  Sable may, at its discretion withhold the subsequent awarding of points, or collect any amount(s) You  owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit for  the retail value of the Redemption Reward You obtained in the form of a debit transaction to Your Sable  Credit Card. 

All trademarks, service marks and trade names used in this Program are with the permission of the  respective Program suppliers. Program suppliers are in no way affiliated with Sable, nor are they  considered sponsors or co-sponsors of this Program. All trademarks, service marks and trade names  used by Sable in this Program, including the Sable Rewards Program design are property of Sable. No  use of these may be made without the prior written authorization of Sable. 

These Terms and Conditions constitute the entire agreement between you and Sable with respect to the  subject matter described herein, and supersede all prior agreements or representations, written or oral,  concerning such subject matter; provided, however, nothing herein modifies the terms and conditions of  the Agreement. You may not assign any of your rights or obligations under these Terms and Conditions,  in whole or in part, without our prior written consent. We may assign our rights and/or obligations under  these Terms and Conditions, in whole or in part, without your consent. We may waive or delay enforcing 

any of our rights herein without losing them. Neither we nor our service providers are responsible for any  disputes between you and a merchant relating to a transaction or goods or services. Any claim or  dispute arising from or relating to these Terms and Conditions or to the Program will be governed by and  construed in accordance with Washington State law (without regard to its conflicts of law principles) and  as applicable, federal law. To the extent permitted by applicable law, these Terms and Conditions  disclaim any implied contractual terms or obligations. 

Any claim, dispute, or controversy ("Claim") arising out of or relating in any way to: (i) these Terms and  Conditions; (ii) the Program; (iii) Rewards; (iv) your use of points cash, back balances or the Rewards; (v)  advertisements, promotions or oral or written statements related to the Program; or (vi) the benefits and  services related to the Program, no matter how described, pleaded or styled, shall be FINALLY and  EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration  Association ("AAA") under its Consumer Arbitration Rules. This arbitration agreement is made pursuant  to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act. The  arbitration shall occur in Washington State. ARBITRATION OF YOUR CLAIM IS MANDATORY AND  BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN  ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN  DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE. For a copy of the  procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335  Madison Avenue, New York, NY 10017, or at www.adr.org. All determinations as to the scope,  interpretation, enforceability and validity of these Terms and Conditions shall be made final exclusively  by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be  entered in any court having jurisdiction. NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR  PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A  CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE. This arbitration  provision shall survive: (a) the termination of these Terms and Conditions; (b) the bankruptcy of any  party; (c) any transfer, sale or assignment of your Rewards, or any amounts owed on your Rewards, to  any other person or entity; or (d) closing of the Rewards. If any portion of this arbitration provision is  deemed invalid or unenforceable, the remaining portions shall remain in force. 

By accumulating and redeeming points or cash back balances under the Sable Rewards Program, You  agree to all of the Program features, limitations and restrictions contained in these Terms and Conditions  as well as any additional terms and conditions contained in any Programs, promotions or transactions  that may be offered to You from time-to-time and any terms and conditions contained in any certificate,  coupon or document issued to You under the Sable Rewards Program. 

Our failure or delay in enforcing any of your obligations, or exercising a right or remedy, does not amount  to a waiver of that obligation, right or remedy. Additionally, if we waive a particular obligation in one  circumstance, it does not prevent us from subsequently requiring compliance with the obligation on other  occasions.  

We reserve the right to remove any participant from the Program in the event of suspected fraud or  abuse in connection with the Program Agreements. 

Cash Back Points Activity. Our processing platform serves as the final record of your rewards activity.  This includes the amount of points or cash back balances you have available for redemption, the amount  of points or Cash Back balances you’ve redeemed, and the percentage of points or cash back you will  earn on Qualifying Transactions. In the event there is a discrepancy between your records and the  processing platform, the information from the processing platform will be deemed correct. 

No Warranties 

THE SERVICES AND ALL CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE". THE SERVICES AND  CONTENT ARE PROVIDED WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, 

BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT,  MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED  BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY  DISCLAIMED. SABLE AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT  CARD NETWORKS AND PAYMENT PROCESSORS) DO NOT WARRANT THAT: (1) THE CONTENT IS  TIMELY, ACCURATE, COMPLETE, RELIABLE OR CORRECT; (2) THE SERVICES WILL BE SECURE OR  AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (3) ANY DEFECTS OR ERRORS WILL BE  CORRECTED; (4) THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (5)  THE RESULTS OF USING THE SERVICES WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE  SERVICES IS SOLELY AT YOUR OWN RISK. 

Indemnification  

You shall defend, indemnify, and hold harmless us, our affiliates, payment card networks and payment  processors, and each of our and their respective employees, contractors, directors, suppliers and  representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise  from or relate to your use or misuse of, or access to, the Services or any Content, violation of these  Sable Rewards Program Rules, or infringement of any intellectual property or other right of any person or  entity. We reserve the right to assume the exclusive defense and control of any matter otherwise subject  to indemnification by you, in which event you will assist and cooperate with us in asserting any available  defenses.  

Limitation of Liability  

IN NO EVENT SHALL WE, NOR OUR DIRECTORS, EMPLOYEES, AGENTS,PARTNERS, SUPPLIERS  (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) OR CONTENT  PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER  LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS,  DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL,  INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, COMPENSATORY OR CONSEQUENTIAL DAMAGES  OF ANY KIND WHATSOEVER (HOWEVER ARISING), (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES,  OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), OR (III) FOR ANY DIRECT  DAMAGES IN EXCESS OF (IN THE AGGREGATE) $50.00. 

Program Modifications. We may, from time to time, or at any time, add, modify, or delete any benefit,  service, or feature of this Program. Changes to the Program may include, among other things, modifying  Qualifying Transactions, the way points or Cash Back balances are earned, excluding transactions,  lowering or otherwise changing points or cash back percentage rates or imposing additional restrictions  or terminating portions of the Program, with or without notice to you. In the event the complete Program  is terminated you will be given a reasonable period of time from the date termination is announced to  redeem your earned rewards balance. We will give you notice of any such changes by posting an  updated copy of this agreement to Sable’s website. In some cases, notices may also be delivered to you  electronically by email or through our online services, such as sablecard.com or the Sable Mobile App.  These changes are effective upon the posting of the agreement, or other notice being sent, and will be  considered part of this agreement. It is your responsibility to review the website or review any notice to  stay aware of any changes. Please refer to the “Last Revised” date at the top of this page to see when  these Program Rules were last revised.  

Sable One Mastercard Benefits  

The following section covers Sable One Mastercard benefits and contains detailed information about  extensive insurance, travel and retail protection services you can access as a Sable One Mastercard  cardholder.

To file a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard: 1-800-627-8372, or en Español: 1-800-633-4466.“Card” refers to Mastercard®  card and “Cardholder” refers to a Mastercard® cardholder. 

Throughout this document, You and Your refer to the cardholder or authorized user of the covered  card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG Company, Inc. (Except for  Satisfaction Guarantee refer to AIG Warranty Guard, Inc.) 

Administrator means Sedgwick Claims Management Services, Inc., you may contact the administrator  if you have questions regarding this coverage or would like to make a claim. The administrator can be  reached by phone at 1-800-Mastercard

Authorized User means an individual who is authorized to make purchases on the covered card by the  cardholder and is recorded by the Participating Organization on its records as being an authorized user. Cardholder means the person who has been issued an account by the Participating Organization for the  covered card. 

Covered Card means the Mastercard card. 

Damage means items that can no longer perform the function they were intended to do in normal  service due to broken parts, material or structural failures. 

Evidence of Coverage (EOC) means the document describing the terms, conditions, and exclusions.  The EOC, Key Terms, and Legal Disclosures are the entire agreement between You and Us.  Representations or promises made by anyone that are not contained in the EOC, Key Terms, or Legal  Disclosures are not a part of your coverage. 

Stolen means items that are taken by force and/or under duress or the disappearance of the item from a  known place under circumstances that would indicate the probability of theft. 

United States Dollars (USD) means the currency of the United States of America.

Cellular Wireless Telephone Protection 

• 1.1 Key Terms 

Throughout this document, you and your refer to the cardholder. We, us, and our refer to New  Hampshire Insurance Company, an AIG company, New York, NY. 

Account Holder means a person to whom an eligible account is issued and who holds the  eligible account under his or her name. 

Administrator means Sedgwick Claims Management Services, Inc. You may contact the  administrator if you have questions regarding this coverage or would like to make a claim. The  administrator may be reached by phone at 1-800-Mastercard. 

Authorized User means a person who is recorded as an authorized user of an eligible account  by the account holder and who is authorized by the account holder to make payments to the  eligible account. 

Cardholder means the account holder or authorized user of an eligible account in good  standing. 

Covered Card means the Mastercard card linked to your eligible account. 

Eligible Account means the account associated with the cardholder’s U.S. issued credit card,  debit card, checking account, line of credit, loan, certificate of deposit or other account that is 

eligible for coverage under the group policy. 

Eligible Cellular Wireless Telephones means the cellular telephones associated with the  primary line and additional or supplemental lines on the eligible person’s monthly billing  statement from a cellular provider for the billing cycle preceding the month in which the theft or  damage occurred. 

Eligible Person means a cardholder who charges his or her monthly bill for an eligible cellular  wireless telephone to his or her covered card. No person or entity other than the eligible  person(s) described shall have any legal or equitable right, remedy or claim for the insurance  proceeds arising out of this coverage. 

Evidence of Coverage (EOC) means the summary of benefits set forth below which describe  the terms, conditions, limitations and exclusions of the coverage provided to you at no additional  charge under the group policy. Representations or promises made by anyone that are not  contained in the group policy are not part of your coverage. In the event the EOC, Key Terms, or  Legal Disclosures of this Guide to Benefits conflict with the provisions of the group policy, the  terms of the group policy govern your coverage. 

Group Policy means the Cellular Protection Insurance Policy entered between New Hampshire  Insurance Company, an AIG Company, and Mastercard Insurance Master Trust, which is the  subject of this Guide to Benefits. 

Mysteriously Disappear means the vanishing of an item in an unexplained manner where there  is absence of evidence of a wrongful act by a person or persons. 

Stolen means taken by force and/or under duress or a loss which involves the disappearance of  an eligible cellular wireless telephone from a known place under circumstances that would  indicate the probability of theft and for which a police report was filed within forty-eight hours of  the theft. 

1.2 Evidence of Coverage 

Refer to Key Terms for the definitions of you, your, we, us, our, and words that appear in bold.  This EOC is subject to the Legal Disclosures set forth below. 

A. To get coverage: 

You must charge your monthly eligible cellular wireless telephone bill to your covered card. You are  eligible for coverage the first day of the calendar month following the payment of your eligible cellular  wireless telephone bill to your covered card. If you pay an eligible cellular wireless telephone bill with  your covered card and fail to pay a subsequent bill to your covered card in a particular month, your  coverage period changes as follows: 

Your coverage is suspended beginning the first day of the calendar month following the month of  nonpayment to your covered card; and 

Your coverage resumes on the first day of the calendar month following the date of any future payment  of your eligible cellular wireless telephone bill with your covered card. 

B. The kind of coverage you receive: 

Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless  telephone.

Coverage ends on the earliest of: The date you no longer are a cardholder; the date the covered card is  determined to be ineligible by the participating organization; the date the participating organization  ceases to pay premium on the group policy; the date the participating organization ceases to participate  in the group policy; the date the group policy is terminated. 

C. Coverage limitations: 

Coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions,  exclusions, and limits of liability of this benefit. The maximum liability is $100 per claim, and each claim  is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12 month  period. 

Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited  only to those amounts not covered by any other insurance or indemnity. In no event will this coverage  apply as contributing insurance. This “non-contribution” clause will take precedence over a similar  clause found in other insurance or indemnity language. 

D. What is NOT covered: 

The following items are excluded from coverage under the group policy: 

Eligible cellular wireless telephone accessories other than the standard battery and standard  antenna provided by the manufacturer; 

Eligible cellular wireless telephones purchased for resale or for professional or commercial use; Eligible cellular wireless telephones that are lost or mysteriously disappear; 

Eligible cellular wireless telephones under the care and control of a common carrier, including,  but not limited to, the U.S. Postal Service, airplanes or delivery service; 

Eligible cellular wireless telephones stolen from baggage unless hand-carried and under  the eligible person’s supervision 

or under the supervision of the eligible person’s traveling companion who is previously known to  the eligible person; 

Eligible cellular wireless telephones stolen from a construction site; 

Eligible cellular wireless telephones which have been rented or leased from a person or  company other than a cellular provider; 

Eligible cellular wireless telephones which have been borrowed; Eligible cellular wireless  telephones that are received as part of a pre-paid plan; 

Cosmetic damage to the eligible cellular wireless telephone or damage that does not impact  the eligible cellular wireless telephone’s ability to make or receive phone calls (including minor  screen cracks and fractures less than 2 inches in length that do not prevent the ability to make  

or receive phone calls or to use other features related to making or receiving phone calls); Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including,  but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of  contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination,  or damage from inherent product defects or vermin; 

Damage or theft resulting from mis-delivery or voluntary parting from the eligible cellular  wireless telephone; 

Replacement eligible cellular wireless telephone(s) purchased from anyone other than a cellular  service provider’s retail or internet store that has the ability to initiate activation with the cellular  service provider; 

Taxes, delivery or transportation charges or any fees associated with the service provided; and Losses covered under a warranty issued by a manufacturer, distributor or seller.In addition, we  shall not be deemed to provide cover and we shall not be liable to pay any claim or provide any  benefit under the group policy to the extent that the provision of such cover, payment of such  

claim or provision of such benefit would

expose us, our parent company or its ultimate controlling entity to any sanction, prohibition or  restriction under United Nations resolutions or the trade or economic sanctions, laws or  regulations of the European Union or the United States of America. 

E. How to file a claim: 

Call 1-800-Mastercard or go to www.mycardbenefits.com to open a claim. You must report  the claim within 90 days of the loss, or as soon as reasonably possible, or the claim may not be  honored. Upon receipt of a notice of claim, we will provide you with the necessary instructions  for filing proof of loss. Written proof of loss must be submitted to our administrator within 120  days of the loss or the claim may not be honored. Required documentation may include but is  not limited to the following: 

o Your card statement reflecting the monthly eligible cellular wireless telephone payments for the  month preceding the date the eligible cellular wireless telephone was stolen or suffered damage; o A copy of your current wireless service provider’s billing statement; 

o If a claim is due to damage, a copy of the repair estimate and photos of the damage; o If the claim is due to theft, a copy of the police report filed within 48 hours of the theft; and o Any other documentation or information reasonably requested by us to support the claim. 

Purchase Assurance (New Purchase Insurance) 

2.1 Evidence of Coverage 

Pursuant to the below terms and conditions, when an item you bought with your covered  card is damaged or stolen within ninety (90) days of purchase, you may be eligible for benefits  under this coverage. 

Refer to Key Terms for the definitions of You, Your, We, Us, Our, and words that appear in bold  and Legal Disclosures. 

A. To get coverage: 

• You must purchase the new item entirely with your covered card and/or accumulated points  from your covered card for yourself or to give as a gift. 

B. The kind of coverage you receive: 

• Most items you purchase entirely with your covered card are covered if damaged or stolen for  ninety (90) days from the date of purchase as indicated on your covered card’s receipt. • Items you purchase with your covered card and give as gifts also are covered. • This coverage is secondary to any other applicable insurance or coverage available to you or  the gift recipient. Coverage is limited to only those amounts not covered by any other insurance  or coverage benefit. 

C. Coverage limitations: 

• Coverage is limited to the lesser of the following: 

o The actual cost of the item (excluding delivery and transportation costs). 

o A maximum of $1,000 per loss and a total of $25,000 per cardholder account per twelve (12)  month period. 

• Purchases that are made up of a pair or set will be limited to the cost of repair or replacement  of the specific item stolen or damaged. If the specific item cannot be replaced individually or  repaired, the value of the pair or set will be covered not to exceed the limits above. • Coverage for stolen or damaged jewelry or fine art will be limited to the actual purchase price  as listed on your credit card statement, regardless of sentimental or appreciated market value. 

D. What is NOT covered:

• Items left in public sight, out of arm’s reach, lacking care, custody or control by the cardholder. • Lost items, and items that mysteriously disappear (the only proof of loss is unexplained or there  is no physical evidence to show what happened to the item) without any evidence of a wrongful  act. 

• Items that are stolen from any location or place (including, but not limited to, exercise facilities,  places of employment, schools, or places of worship) due to the lack of due diligence by you or  another party. 

• Items lost, stolen, damaged, or mis-delivered while under the care, custody, and control of  another party or common carrier (including, but not limited to, airlines, the U.S. Postal Service,  UPS, FedEx, or other delivery services). 

• Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse. • Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by you. • Losses that cannot be verified or substantiated. 

• Items covered by a manufacturer’s recall or class action suit. 

• Items that you damage through alteration (including, but not limited to, cutting, sawing,  shaping). 

• Used or antique items; collectibles of any kind (such as items designed for people to collect or  items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or  remanufactured items. 

• Stolen items without a documented report from the police. 

• Items that are damaged during transport via any mode. 

• Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle, automobile  or any other motor vehicles. 

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and  motorcycles, or their motors, 

equipment, or accessories. Motorized equipment not designed for transportation and used  solely for the upkeep and maintenance of a residence is eligible for coverage, (including, but not  limited to, snow thrower, lawn mowers, and hedge trimmers). 

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed  items, fixtures, or structures. 

• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery),  negotiable instruments, bullion, rare, or precious metals, stamps, and coins, currency or its  equivalent. 

• Losses caused by insects, animals, or pets. 

• Plants, shrubs, animals, pets, consumables, and perishables. 

• Items purchased for resale, rental, professional, or commercial use. 

• Professional services (including, but not limited to, the performance or rendering of labor or  maintenance; repair or installation of products, goods, or property; professional advice of any  kind, including, but not limited to, information/ services or advice secured from any help or  support line; or technical support for software, hardware, or any other peripherals). • Application programs, computer programs, operating software, and other software. • Losses resulting from war or hostilities of any kind (including, but not limited to, invasion,  terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any  government, public authority, or customs official; risks of contraband; illegal activity or acts. • Losses caused by power surge, contamination by radioactive or hazardous substances,  including mold. 

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood,  hurricane, lightning, and earthquake). 

• Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions. • Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or  mammals). 

• Items stolen or damaged at a new home construction site. 

• Rented, leased, or borrowed items for which you will be held responsible.

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure. • Any shipping charges, transportation and delivery charges, or promised time frames for  delivery, whether or not stated or covered by the manufacturer’s warranty. 

E. How to file a claim: 

• Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a claim. You must  report the claim within sixty (60) days of the loss or the claim may not be honored. • Submit the following documentation within one hundred and eighty (180) days of the date  you report the claim: 

o Repair estimate for damaged item(s). 

o Photograph clearly showing damage, if applicable. 

o Receipt showing purchase of covered item(s). 

o Statement showing purchase of covered item(s). 

o Report from police listing any items stolen. 

o Copy of the declarations page of any applicable insurance or 

protection (including, but not limited to, homeowner’s, renter’s, or auto insurance policy). • Any other documentation that may be reasonably requested by us or our administrator to  validate a claim 

MasterRental® (Car rental insurance) 

6.1 Key Terms: 

Throughout this document, You and Your refer to the cardholder or authorized user of  the covered card. We, Us, and Our refer to New Hampshire Insurance Company, an AIG  company. 

Administrator means Sedgwick Claims Management Services, Inc., you may contact  the administrator if you have questions regarding this coverage or would like to make a claim.  The administrator can be reached by phone at 1-800-MASTERCARD.Authorized  driver(s) means a driver with a valid driver’s license issued from their state of resident and  indicated on the rental agreement. 

Authorized User means an individual who is authorized to make purchases on the covered  card by the cardholder and is recorded by the Participating Organization on its records as being  an authorized user

Cardholder means the person who has been issued an account by the Participating  Organization for the covered card.Covered card means the MasterCard card. 

Damage means items that can no longer perform the function they were intended to do in  normal service due to broken parts, material or structural failures. 

Evidence of Coverage (EOC) means the document describing the terms, conditions, and  exclusions. The EOC, Key Terms, and Legal Disclosures are the entire agreement between You  and Us. Representations or promises made by anyone that are not contained in the EOC, Key  Terms, or Legal Disclosures are not a part of your coverage. 

Manufacturer suggested retail price (MSRP) means the purchase price of the vehicle or the  value of the vehicle based on the National Automobile Dealers Association website  at www.nada.com or similar source.

Rental agreement means the entire agreement or contract that you receive when renting  a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the  rental, as well as the responsibility of all parties under the rental agreement

Stolen means items that are taken by force and/or under duress or the disappearance of the  item from a known place under circumstances that would indicate the probability of theft. 

United States Dollars (USD) means the currency of the United States of America. 

Vehicle means a land motor vehicle with four wheels that is designed for use on public roads  and intended for use on a bound surface such as concrete and tarmac. This includes minivans  and sport utility vehicles that are designed to accommodate less than nine (9) passengers. 

6.2 Evidence of Coverage 

Pursuant to the below terms and conditions, when you rent a vehicle for fifteen (15) consecutive  days or less with your covered card, you are eligible for benefits under this coverage. Refer to  Key Terms for the definitions of you, your, we, us, our, 

and words that appear in bold and Legal disclosures. 

A. To get coverage: 

You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees  are not considered rental charges) with your covered card and/or the accumulated points from  your covered card at the time the vehicle is returned. If a rental company promotion/discount of  any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental  must be billed to your covered card

You must decline the optional collision/damage waiver (or similar coverage) offered by the rental  company. 

You must rent the vehicle in your own name and sign the rental agreement

Your rental agreement must be for a rental period of no more than fifteen (15) consecutive days.  Rental periods that exceed or are intended to exceed fifteen (15) consecutive days are not  covered. 

The rented vehicle must have a MSRP that does not exceed $50,000 USD

B. The kind of coverage you receive: 

We will pay for the following on a secondary basis: 

Physical damage and theft of the vehicle, not to exceed the 

limits outlined below. 

Reasonable loss of use charges imposed by the vehicle rental 

company for the period of time the rental vehicle is out of service. Loss of use charges must be  substantiated by a location and class specific fleet utilization log. 

Towing charges to the nearest collision repair facility. 

This coverage is not all-inclusive, which means it does not cover such things as personal injury,  personal liability, or personal property. It does not cover you for any damages to other vehicles  or property. It does not cover you for any injury to any party. 

C. Coordination of Benefits:

When MasterRental is provided on a secondary basis and a covered loss has occurred the order  in which benefits are determined is as follows: 

1. You or an authorized driver’s primary auto insurance; 

2. Collision/damage waiver provided to you by the rental agency; 

3. Any other collectible insurance; 

4. The coverage provided under this EOC

If you or an authorized driver’s primary auto insurance or other coverage has made payments  for a covered loss, we will cover your deductible and any other eligible amounts, described in  Section B, not covered by the other insurance. 

Note: In certain parts of the United States and Canada losses to rental vehicles that are covered  by your personal vehicle insurance policy liability section may not be subject to a deductible,  which means that you may not receive any benefits from this program. Contact your insurance  provider for full coverage details pertaining to your personal vehicle liability insurance policy (or  similar coverage). 

If you have no other insurance or your insurance does not cover you in territories or countries  outside of the United States, coverage is considered primary coverage. 

D. Who is covered: 

The covered card cardholder and those designated in the rental agreement as authorized  drivers

E. Excluded rental vehicles: 

- All trucks, pickups, full-size vans mounted on truck chassis (including, but not limited to, Ford  EconoVan), cargo vans, campers, off-road vehicles, and other recreational vehicles. - All sport utility trucks. These are vehicles that have been or can be converted to an open, flat  bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade  EXT). 

- Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels. - Antique vehicles (vehicles that are more than twenty (20) years old or have not been  manufactured for at least ten (10) years), or limousines. 

- Any rental vehicle that has a MSRP that exceeds $50,000 USD

F. Where you are covered: 

Coverage is available worldwide except in the following countries: Republic of Ireland, Northern  Ireland, Israel, Jamaica. 

Coverage is not available in countries where: 

a) This EOC is prohibited by that countries law; or 

b) The terms of the EOC are in conflict with the laws of that country. 

G. Coverage limitations: 

We will pay the lesser of the following: 

a) The actual repair amount; 

b) Wholesale market value less salvage and depreciation; 

c) The rental agencies purchase invoice less salvage and depreciation; or d) $50,000 USD 

In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed  by the vehicle rental company for the period of time the rental vehicle is out of service. 

We will not pay for or duplicate the collision/damage waiver coverage offered by the rental  agency.

H. What is NOT covered: 

• Any personal item stolen from the interior or exterior of rental vehicles

Vehicle keys or portable Global Positioning Systems (GPS). 

Vehicles not rented by the cardholder or authorized user on the covered card. • Any person not designated in the rental agreement as an authorized driver. • Any obligations you assume other than what is specifically covered under the rental  agreement or your primary vehicle insurance or other indemnity policy. 

• Any violation of the written terms and conditions of the rental agreement. • Any loss that occurs while driving under the influence of drugs or alcohol. • Any loss associated with racing or reckless driving. 

• Losses involving the theft of the rental vehicle when you or an authorized driver cannot  produce the keys to the rental vehicle at the time of reporting the incident to the police and/or  rental agency, as a result of negligence. 

• Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown. • Subsequent damages resulting from a failure to protect the rental vehicle from further damage. • Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of  a vehicle collision causing tire or rim damage. 

• Rental vehicles where collision/damage waiver coverage (or similar coverage) was accepted/ purchased by you. 

• Any damage that is of an intentional or non-accidental nature, caused by you or an authorized  driver of the rental vehicle

• Depreciation, diminishment of value, administrative, storage, or other fees charged by  the vehicle rental company. 

Vehicles with a rental agreement that exceeds or is intended to exceed a rental period of  fifteen (15) consecutive days from a rental agency. 

• Losses resulting from any kind of illegal activity. 

• Damage sustained on any surface, other than a bound surface such as concrete or tarmac. • Damage sustained on any road not regularly maintained by a municipal, state, or federal entity. • Losses as a result of war or hostilities of any kind (including, but not limited to, invasion,  terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by any  government, public authority, or customs official; risks of contraband; illegal activity or acts. • Any loss involving the rental vehicle being used for hire, for commercial use, or as a public or  livery conveyance. 

• Theft of, or damage to, unlocked or unsecured vehicles

• Value-added tax, or similar tax, unless reimbursement of such tax is required by law. • Vehicles rented in Republic of Ireland, Northern Ireland, Israel, Jamaica. 

I. How to file a claim: 

Call 1-800-MASTERCARD to request a claim form. You must report the claim within sixty (60)  days of the loss or the claim may not be honored. 

You may choose to assign your benefits under this insurance program to the rental agency from  which you rented your vehicle. Please contact us or our administrator for further details. 

Submit the following documentation within one hundred and eighty (180) days of the incident or  the claim will not be honored: 

- Completed and signed claim form. 

- Receipt showing the vehicle rental. 

- Statement showing the vehicle rental. 

- The rental agreement (front and back). 

- Copy of Your valid driver’s license (front and back). 

- Copy of the declarations page of any primary vehicle 

insurance and other valid insurance or coverage.

- Police report when the vehicle is stolen, vandalized (regardless of the damage), or involved in  a collision that requires the vehicle; to be towed, in a multi-vehicle collision, or the vehicle is  not drivable. 

- Itemized repair estimate from a factory authorized collision repair facility. 

- Copy of the vehicle rental company promotion/discount, if applicable. 

- Copy of the vehicle rental location class specific fleet utilization log, if loss of use charges are  being claimed. You must secure this log from the rental agency. 

Any other documentation that may be reasonably requested by us or our administrator to  validate a claim. 

Price Protection  

Key Terms: 

• Throughout this document, You and Your refer to the Cardholder or Authorized User of the Covered  Card. We, Us, and Our refer to AIG WarrantyGuard, Inc. 

• Administrator means Sedgwick Claims Management Services, Inc., You may contact the Administrator  if You have questions regarding this coverage or would like to make a claim. The Administrator can be  reached by phone at 1-800-Mastercard. 

• Auction (online or live) means a place or Internet site where items are sold through price bids, price  quotes; or where prices fluctuate based on the number of people purchasing, or interested in  purchasing a product. (Examples include, but are not limited to, Ebay, Ubid, Yahoo, public or private  live Auctions, etc.). 

• Authorized User means an individual who is authorized to make purchases on the Covered Card by the  Cardholder and is recorded by the Participating Organization on its records as being an Authorized  User. 

• Cardholder means the person who has been issued an Eligible Account by the Participating  Organization for the Covered Card. 

• Coverage Period means [30, 60, 90, 120] days following the purchase date on Your receipt that You are  eligible for coverage. 

• Covered Card means the Mastercard card issued under Your Eligible Account. • Covered Purchase means an item purchased by a Cardholder or Authorized User and paid for by using  a Covered Card, subject to the exclusions set forth below. 

• Eligible Account means the account associated with a U.S. issued credit card, debit card, checking  account, line of credit, loan, certificate of deposit, or other account that is eligible for coverage under  the Master Agreement. 

• Evidence of Coverage (EOC) means the summary of benefits set forth below which describe the terms,  conditions, limitations and exclusions of the coverage provided to You at no additional charge under  the Master Agreement. Representations or promises made by anyone that are not contained in the  Master Agreement are not part of Your coverage. In the event the EOC, Key Terms, or Legal  Disclosures of this Guide to Benefits conflict with the provisions of the Master Agreement, the terms of  the Master Agreement govern Your coverage. 

• Master Agreement means the Price Protection Terms and Conditions entered between AIG  WarrantyGuard, Inc. and Mastercard Insurance Master Trust. 

• Non-Auction Internet Advertisements means advertisements posted on the Internet, by a non-auction  Internet merchant with a valid tax identification number. The advertisement must have been posted  within the defined Coverage Period for the identical item (advertisement must verify same manufacturer  and model number). The printed version of the Internet advertisement must include the merchant’s  Internet address and customer service telephone number, as well as the item including manufacturer,  model number, sale price and date of publication.

• Participating Organization means any corporation, partnership, proprietorship or other organized group  which agrees to join the trust to which the Master Agreement is issued and pays the required fees on  behalf of its Cardholders and Authorized Users. 

• Printed Advertisements means advertisements appearing in a newspaper, magazine, store circular, or  catalog which state the authorized dealer or store name, item (including make, model number), and  sale price. The advertisement must have been published within  

• the defined Coverage Period and must be for the identical item  

• (advertisement must verify same manufacturer and model number). 

Evidence of Coverage  

Refer to Key Terms for the definitions of You, Your, We, Us, Our, and words that appear in bold. This EOC  is subject to the Legal Disclosures set forth below. 

A. To get coverage:  

You must make a Covered Purchase entirely with Your Covered Card and/or accumulated points from  Your Covered Card for yourself or to give as a gift. 

You must see either a Printed Advertisement or Non-Auction Internet Advertisement for the same  product (advertisement must verify same manufacturer and model number) for a lower price within the  Coverage Period from the purchase date, as indicated on Your receipt.  

B. The kind of coverage You receive:  

Covered Purchases are covered for the Coverage Period applicable to Your Eligible Account for the  difference between the documented price You paid and the documented lower price advertised.  

• This coverage is secondary to any other applicable insurance or similar coverage available to  You or the gift recipient including benefits provided by the retailer (including, but not limited to, refunds,  exchanges, and store credits). Coverage is limited to only those amounts not covered by any other  insurance or similar coverage, or retailer benefits (including, but not limited to, refunds, exchanges, and  store credits).  

C. Coverage limitations:  

 Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage,  shipping, and handling costs) and the advertised lower price, up to [$250, $500 or $1,000] per claim.  There is a minimum claim amount of [$25 or $50] and a maximum of four (4) claim(s) per Eligible Account  per twelve (12) month period.  

This EOC is not an insurance policy, warranty, or service contract.  

D. What is NOT covered 

• Any item purchased from an Internet site whose primary purpose is not the sale of the item or related  items.  

• For consumer cards – items purchased for resale, rental, professional, or commercial use.  

• For commercial cards – items purchased for resale such as professional inventory or work-related  material. 

• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to  collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or  remanufactured items.  

• Customized/personalized, one-of-a-kind, or special-order items.  

• Layaway items; items returned to any store.  

• Any items purchased from an Auction.  

• Items for which the Printed Advertisement or Non-Auction Internet Advertisement containing the lower  price was published after the Coverage Period.  

•Items advertised or shown as price quotes, bids or final sale amounts from a non-auction Internet site.  

•Items advertised in or as a result of “limited quantity,” “going out-of-business sales,” “close out”, or as  “discontinued”.  

•Printed Advertisements or Non-Auction Internet Advertisements that display pricing lower than Your  purchased item due to rebates, special offerings, bonuses, free items/giveaways, manufacturer’s  coupons, or special financing.  

• Professional services, including workmanship, installation, professional advice/counseling, and  technical support, or helpline.  

• Plants, shrubs, animals, pets, consumables, and perishables.  

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and  motorcycles, or their motors, equipment, or accessories.  

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items,  fixtures, structures, or home improvement.  

• Game animals, pets or specimens preserved for display (e.g., fish, birds, reptiles, or mammals).  

• Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable  instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent.  

• Differences in price due to sales tax, storage, shipping, handling, postage, transportation, and delivery. • Differences in price due to foreign exchange rates or fluctuation in foreign exchange rates.  E. How to file a claim:  

For a Printed Advertisement:  

• Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim  within sixty (60) days of the incident or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty  

• (180) days of the advertisement’s publication: 

• A copy of the Printed Advertisement that shows the date of the advertisement, retailer name, the  product (advertisement must verify same manufacturer and model number), and sale price. 

• Receipt showing the item(s) was purchased.

• Statement showing item(s) purchased and use of accumulated points. 

• Itemized purchase receipt(s). 

• Any other documentation that may be reasonably requested by Us or Our Administrator to validate a  claim. 

For a Non-Auction Internet Advertisement  

•Visit www.mycardbenefits.com or call 1-800-Mastercard to open a claim. You must report the claim  within sixty (60) days of the incident or the claim may not be honored.  

•Submit the following documentation within one hundred and eighty  

(180) days of the advertisement’s publication:  

- A copy of the Non-Auction Advertisement that shows the date of the advertisement, website address,  retailer name, the product (advertisement must verify same manufacturer and model number), sale price,  and, if applicable, shipping, handling and other charges.  

- Receipt showing the item(s) was purchased.  

- Statement showing item(s) purchased. 

- Itemized purchase receipt(s) 

- Any other documentation that may be reasonably requested by Us or Our Administrator to validate a  claim. 

Travel Assistance  

Rely on Travel Assistance Services when you’re away from home.  

Travel Assistance Services is your guide to many important services you may need when traveling.  Benefits are designed to assist you or your travel companions when you’re traveling 50 miles or more  from home.* This is reassuring, especially when visiting a place for the first time or not speaking the  language. For services, call 1-800-Mastercard. Enrollment is automatic and the assistance service is free  to cardholders. Please keep in mind that you will be responsible for the fees incurred for professional or  emergency services requested of Travel Assistance Services (e.g., medical or legal bills).  

*Travel Assistance Services are available worldwide, with the exception of those countries and territories  which may be involved in an international or internal conflict, or in those countries and territories where  the existing infrastructure is deemed inadequate to guarantee service. You may contact us prior to  embarking on a covered trip to confirm whether or not services are available at your destination(s).  

MasterTrip® Travel Assistance Before you begin your trip, MasterTrip provides information on travel  requirements including documentation (visas, passports), immunizations or currency exchange rates.  The exchange rate provided may differ from the exact rate that issuers use for transactions on your card.  Information on exchange rates for items billed on your statement should be obtained from the financial  institution that issued your card. MasterTrip will also help you locate any lost or stolen travel materials,  including luggage. This is not an insurance policy for lost/stolen luggage and we do not reimburse you  for a permanent loss. 

If you have a travel emergency and need cash, MasterTrip can arrange to transfer up to $5,000 from a  family member, friend, or business account.  

This service does not provide maps or information regarding road conditions.  

Travel Services Medical Assistance 

Provides a global referral network of general physicians, dentists, hospitals and pharmacies. We can also  help you refill prescriptions with local pharmacists (subject to local laws).  

In the event of emergencies, a stateside physician or nurse can be contacted for consultation with the  local medical staff and to monitor your condition. If you are hospitalized, we can arrange to have  messages relayed home, transfer you to another facility if medically necessary, or have a family member  or close friend brought to your bedside if you have been traveling alone (at cardholder’s expense). If a  tragedy occurs, we’ll assist in securing travel arrangements for you and your travel companion(s).  

MasterLegal® Referral Service 

Provides you with English-speaking legal referrals or consults with appropriate embassies and  consulates regarding your situation. Will assist in transfers up to $5,000 in cash from a family member,  friend or business to cover legal fees or to post bail. There is no charge for referral services; however,  legal and bail fees are your responsibility.  

Master RoadAssist® Roadside Service 

(Available only when traveling in the 50 United States and the District of Columbia)  If your car breaks down on the road, just call 1-800-Mastercard and tell us where you are.  

We’ll send someone to the rescue. This is not only reassuring, but it may also save you money because  fees for many services (jumpstarts, towing, gas delivery, and tire changes) are pre-negotiated. Road  service fees will be automatically billed to your Mastercard account.  

You are responsible for emergency road service charges incurred by towing facilities responding to your  dispatch, even if you are not with your vehicle (or it’s gone) when the tow truck arrives. Mastercard  International is not responsible or liable for the service the towing facility provides. Towing facilities are  independent contractors, solely liable for their services.  

Emergency road service is not available in areas not regularly traveled, in “off road” areas not accessible  by ordinary towing vehicles, or for over one-ton capacity trailers, campers or If you have a rental car, be  sure to call the rental car agency before you call 1-800-Mastercard, as many rental agencies have  special procedures regarding emergency road service assistance 

Extended Warranty  

Evidence of Coverage 

Refer to Key Terms for the definitions of You, Your, We, Us, Our, and words that appear in bold and Legal  Disclosures. 

A. To get coverage: 

• You must purchase the new item entirely with your covered card and/or accumulated points from your  covered card for yourself or to give as a gift. 

• The item must have an original manufacturer’s (or U.S. store brand) warranty of twelve (12) months or  less. 

B. The kind of coverage you receive: 

• Extended Warranty doubles the original manufacturer warranty up to a maximum of twelve (12) months  on most items you purchase. For products with multiple warranty components, each warranty time 

period will be extended up to a maximum of twelve (12) months. An example of a product with multiple  warranty components includes an appliance with original manufacturer’s (or U.S. store brand)  warranties that differ for parts, labor, compressor, etc. 

• If you purchase a service contract or an optional extended warranty of twelve (12) months or less on  your item, we will cover up to an additional twelve (12) months after both the original manufacturer’s (or  U.S. store brand) warranty and the purchased service contract or extended warranty coverage period  end. If your service contract or extended warranty exceeds twelve (12) months, this coverage does not  apply. 

• If you do not have an additional service contract or an optional extended warranty, this Extended  Warranty benefit commences the day after your original manufacturer’s (or U.S. store brand) warranty  expires. 

C. Coverage limitations: 

• The maximum benefit for repair or replacement shall not exceed the actual amount charged on your  covered card or $10,000, whichever is less. 

• If either the original manufacturer’s (or U.S. store brand) warranty or the service contract covers more  than twelve (12) months, this benefit will not apply. 

• We or our administrator will decide if a covered failure will be repaired or replaced, or whether you will  be reimbursed up to the amount paid for the item. Items will be replaced with those of like kind and  quality. However, we cannot guarantee to match exact color, material, brand, size, or model. 

D. What is NOT covered: 

• Used or antique items; collectibles of any kind (such as items designed for people to collect or items  that over time become collectibles) that do not come with a manufacturer warranty (repair or  replacement amount will not include market value at time of claim); recycled, previously owned,  refurbished, rebuilt, or remanufactured items; product guarantees (e.g., glass breakage). • Items that do not come with an original manufacturer warranty.  

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and  motorcycles, or their motors, equipment, or accessories. Parts, if purchased separately, may be  covered. 

• Professional services (including, but not limited to, the performance or rendering of labor or  maintenance; repair or installation of products, goods or property; professional advice of any kind,  including, but not limited to, information/services or advice secured from any help or support line; or  technical support for software, hardware, or any other peripherals). 

• Application programs, operating software, and other software. 

• All types of media with stored data or music (including, but not limited to, computer software, DVDs,  video cassettes, CDs, film and audio cassettes). 

• Any shipping charges, transportation and delivery charges, or promised time frames for delivery,  whether or not stated or covered by the manufacturer’s warranty. 

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane,  lightning, and earthquake). 

• Indirect or direct damages resulting from a covered loss. 

• Mechanical failure arising from product recalls.  

• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure. • Loss resulting from war or hostilities of any kind (including, but not limited to, invasion, terrorism,  rebellion, insurrection, riot, or civil commotion); confiscation or damage by any government, public  authority, or customs official; risks of contraband, illegal activity, or acts. 

• Mechanical failures caused by normal wear and tear or gradual deterioration where no failure has  occurred. 

• Items purchased for resale, professional, or commercial use. 

• Mechanical failures caused by lack of maintenance/service. 

• Losses caused by power surge, contamination by radioactive or hazardous substances, including  mold.

• Physical damage to the item. 

• Any exclusion listed in the original manufacturer’s warranty. 

E. How to file a claim: 

Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a claim. You must report the  claim within sixty  

(60) days of the failure or the claim may not be honored. 

• Submit the following documentation within one hundred and eighty (180) days from the date of failure  or the claim may not be honored: Receipt showing the purchase of the covered item(s). • Statement showing covered item(s). 

• Itemized purchase receipt(s). 

• Original manufacturer’s (or U.S. store brand) warranty. 

• Service contract or optional extended warranty, if applicable. 

• Itemized repair estimate from a factory authorized service provider. 

Any other documentation that may be reasonably requested by us or the administrator to validate a  claim. 

Satisfaction Guarantee  

The Legal Disclosure is part of this agreement. 

A. To get coverage: 

You must purchase the new item entirely with your covered card and/or accumulated points from your  covered card for yourself or to give as a gift. 

B. The kind of coverage you receive: 

• Purchases you make entirely with your covered card are covered for sixty (60) days from the date of  purchase as indicated on your receipt for a full refund in the event that you are dissatisfied with your  purchase and the store will not accept the item for return. 

• Items you purchase with your covered card and give as gifts also are covered. • This coverage is secondary to any other applicable insurance or coverage available to you or the gift  recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage. 

C. Coverage limitations: 

• Coverage is limited to the actual cost of the item (excluding taxes, storage, shipping, and handling  costs), up to $250 per  

• claim. In no event will we pay more than the purchase price of the item. 

• Items must be returned undamaged, in good working condition, and in its original and complete  packaging. You are responsible for all mailing costs. 

D. What is NOT covered: 

• Damaged, defective, or non-working items. 

• Jewelry, art, used or antique items; collectibles of any kind (such as items designed for people to  collect or items that over time become collectibles); recycled, previously owned, refurbished, rebuilt, or  remanufactured items. 

• Customized/personalized, rare, one of a kind, or special order items. 

• Professional services, including workmanship, installation, professional advice/counseling, and  technical support, or help line. 

• Items purchased for resale, professional, or commercial use. 

• Plants, shrubs, animals, pets, consumables, and perishables. 

• All types of stored data or music (including, but not limited to, computer software, DVDs, video  cassettes, CDs, audio cassettes).

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, and  motorcycles, or their motors, equipment, or accessories. 

• Land, any buildings (including, but not limited to, homes and dwellings), permanently installed items,  fixtures, or structures. 

• Game animals, pets, or specimens preserved for display (e.g., fish, birds, reptiles, or mammals). • Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), negotiable  instruments, bullion, rare or precious metals, stamps, and coins, currency or its equivalent. • Shipping charges, taxes, storage fees, postage, transportation and delivery charges; promised time  frames of delivery. 

• Products purchased at auctions. 

E. How to file a claim: 

Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a claim. You must report the  claim within sixty (60) days of the date of purchase or the claim may not be honored. • Submit the following documentation within one hundred and eighty (180) days of the date you report  the claim: 

• Receipt showing the purchased item(s). 

• Statement showing the purchased item(s). 

• Itemized purchase receipt(s). 

• Written documentation from the store manager or equivalent on store letterhead documenting the  refusal to accept the returned item. 

• A copy of the store’s return policy. 

• Any other documentation that may be reasonably requested by us or our administrator to validate a  claim. 

You must send the item to us or our administrator before any claim will be paid. Item must be returned in  its original packaging along with the original owner’s manuals and warranty information. You are  responsible for all mailing or shipping costs to us or our administrator. Items sent to us or our  administrator will not be returned to you. 

Zero Liability  

At Mastercard, safety and security is at the core of what we do. Mastercard cardholders should have  peace of mind knowing that their Financial Institution won't hold them responsible for "unauthorized  transactions." As a Mastercard cardholder, Zero Liability** applies to purchases made in store, over the  telephone, online, via a mobile device and ATM transactions. Cardholders will not be held responsible for  unauthorized transactions if: 

• They have used reasonable care in protecting your card from loss or theft; and • they promptly reported loss or theft to your financial institution. 

Mastercard Airport Concierge™  

Your passport to the finer side of air travel. 

Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and  Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700  destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports  where you can be expedited through the security and/or the immigration process. To reserve Mastercard  Airport Concierge services visit www.mastercard.com/airportconcierge or consult your Travel Advisor.

Mastercard Global Service (Global travel assistance) 

Mastercard Global Service provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting,  Emergency Card Replacement, and Emergency Cash Advance. 

Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account.  If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can  receive a temporary card the next day in the United States, and within two business days almost  everywhere else. Remember, if you report your card lost or stolen, you will not be responsible for any  unauthorized transactions on your account. 

In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-Mastercard. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:

Australia
1-800-120-113
Austria
0800-070-6138
France
0-800-90-1387
Germany
0800-071-3542
Hungary
06800-12517
Ireland
1-800-55-7378
Italy
800-870-866
Mexico
001-800-307-7309
Netherlands
0800-022-5821
Poland
0-0800-111-1211
Portugal
800-8-11-272
Spain
900-822-756
United Kingdom
0800-96-4767
Virgin Islands
1-800-307-7309

For additional information, or for country-specific, toll-free  telephone numbers not listed above, visit our website at www. mastercard.com or call the United  States collect at 1-636-722- 7111.Account Information and Card Benefits 

When in the United States, contact your card issuer directly for account information and 1-800- Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access  your card issuer for account information or to access any of your card benefits.ATM Locations Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM  Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our website  at www.mastercard.com to use our ATM locator. You can get cash at over two million ATMs worldwide.  To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel. 

Mastercard ID Theft Protection (IDT) 

• Provides you with access to a number of Identity Theft resolution services, should you believe  you are a victim of Identity Theft. This product offering will alert you about possible identity theft  by monitoring the surface, dark and deep web, searching for compromised credentials and  potentially damaging use of your registered personal information in order to detect fraud at its  inception. 

Eligibility: 

All Mastercard consumer debit cardholders in the US are eligible for this coverage.

Access: 

Simply contact 1-800-Mastercard if you believe you have been a victim of Identity Theft. 

Services Provided: 

Services provided are on a 24-hour basis, 365 days a year. 

In order to receive the following services, you must enroll at https:// 

mastercardus.idprotectiononline.com/. The services include: 

Online Monitoring Dashboard (requires activation): The online monitoring dashboard is the  primary user interface for cardholders. It serves as a repository of all the personally identifiable  information (PII) data the cardholder wants to monitor, tracks and displays cardholders’ risk  score, and provides access to identity protection tips. It is also the platform for cardholders to  respond to identity monitoring alerts. 

Monthly Risk Alert / Newsletter: Cardholders will receive a monthly newsletter with information  on the cardholder’s risk score, and articles pertaining to good identity protection practices. 

Identity Monitoring: IDT searches the internet to detect compromised credentials and  potentially damaging use of your personal information, and alerts you via email so that you can  take immediate action. This platform utilizes automated monitoring and human threat  intelligence from cyber operations agents monitoring threat actors and their tactics on the deep  and dark web where personal data is bought and sold. Data elements that can be monitored are: 

Email addresses 

Debit/credit cards/prepaid cards 

Bank accounts 

Web logins; username and password Medical insurance cards 

Drivers’ license 

Loyalty cards 

Affinity cards 

Passport number 

Vehicle insurance cards 

Social Security number 

To take advantage of this service, the cardholder must enter the personal information they wish  to monitor on the dashboard. 

Resolution Services: You will have access to a team of identity theft resolution specialists,  available 24/7 year-round to 

help resolve your identity theft incident and prevent further damage. The resolution specialists  are native speakers of English, French and Spanish, and are based out of Bethesda, Maryland.  Cardholders are given the option to sign limited power of attorney (LPOA) to the specialist, to  allow them to conduct resolution activities on the cardholders’ behalf, including contacting  police, credit agencies, and other authorities, translating information, and closing and replacing  breached accounts. 

Lost Wallet Assistance: Cardholder’s will be provided assistance with notifying the appropriate  issuing authorities to cancel and replace stolen or missing items, such as their debit/credit card,  driver’s license, Social Security card, and passport. 

Single Bureau Credit Monitoring: Cardholders’ TransUnion credit file will be monitored for  changes that could indicate fraud such as new credit inquiries, an address change or new credit  account(s) opened in their name. An alert notification via email will be sent anytime a hard inquiry 

is made on the cardholders’ TransUnion credit file so they can take immediate action to minimize  damage. 

To take advantage of this service, the cardholder must enter their Social Security number on the  dashboard and pass credit authentication. 

Financial Account Takeover: IDT monitors cardholder’s high- risk transactions with more than  300 of the nation’s largest companies to uncover and thwart account takeover attempts.  Monitored transactions include: 

Debit/credit cards/prepaid cards 

Bank accounts 

Brokerage accounts 

Healthcare portals 

Workplace intranets 

Other services (e.g. peer-to-peer fund transfers) 

To take advantage of this service, the cardholder must enter the accounts they wish to protect  on the dashboard. 

URL and Domain Monitoring: URL and Domain monitoring allows Cardholder to enter up to 10  domain or URL names related to cardholder’s business. This service will monitor the domain and  URL names for any compromised email addresses associated with the domain or URL names  and if compromised email addresses are found in a data breach, this service will alert the  registered cardholder via email and provide information regarding the specific email address that  was breached along with information about the date found and source (provided that this  information is available). 

For more information regarding the services stated above and additional information, please  visit https://mastercardus. idprotectiononline.com/. 

Charges: 

There is no charge for these services, they are provided by your Financial Institution. 

Services NOT Provided: 

When it is determined you have committed any dishonest, criminal, malicious or fraudulent act. When your financial institution or card issuer which provides this Service, has investigated the  event and deemed you are responsible for the charge or event. 

When any theft or unauthorized use of an account by a person to whom the account has been  entrusted has been committed. 

Program Provisions for Mastercard ID Theft Protection: 

This service applies only to you, the named Mastercard cardholder. You shall use due diligence  and do all things reasonable to avoid or diminish any loss or damage to property protected by  the program. The provider, Generali Global Assistance, relies on the truth of statement made in  

the Affidavit or declaration from each cardholder. This service is provided to eligible Mastercard  cardholders at no additional cost and is in effect for acts occurring while the program is in effect.  The terms and conditions contained in this program guide may be modified by subsequent  endorsements. Modifications to the terms and conditions may be provided via additional Guide  mailings, statement inserts, or statement messages. Mastercard or your financial institution can  cancel or non-renew these services, and if we do, we will notify you at least thirty (30) days in  advance. If the Provider non-renews or cancels any services provided to eligible Mastercard  cardholders, you will be notified within 30–120 days before the expiration of the service  agreement. In the event substantially similar coverage takes effect without interruption, no such  notice is necessary. For general questions regarding these services, please contact 1-800-

Mastercard. 

Mastercard Benefits Guide Legal Disclosure 

This Guide to Benefits is not, by itself, a policy or contract of insurance or other contract. Benefits are provided to you, the cardholder, at no additional charge. 

The insurance benefits are provided under the group policy issued by New Hampshire Insurance  Company, an AIG company. This Guide to Benefits is a summary of benefits provided to you. The  attached Key Terms and EOC are governed by the group policy. 

Effective date of benefits: Effective July 1, 2019, this Guide to Benefits replaces all prior disclosures,  program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve  the right to change the benefits and features of these programs at any time. Notice will be provided for  any changes. 

Cancellation: The Policyholder may cancel these benefits at any time or choose not to renew the  insurance coverage for all cardholders. If the Policyholder cancels these benefits, you will be notified in  advance. If we terminate, cancel, or choose not to renew the coverage to the Policyholder, you will be  notified as soon as is practicable. Insurance benefits will still apply for any eligible coverage that  attaches prior to the date of such termination, cancellation, or non-renewal, subject to the terms and  conditions of coverage. 

Benefits to you: These benefits apply only to eligible accounts issued in the United States. The United  States is defined as the fifty U.S. states and the District of Columbia. No person or entity other than you  shall have any legal or equitable right, remedy, or claim for benefits, insurance proceeds and damages  under or arising out of these programs. These benefits do not apply if your card privileges have been  cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the  date that your eligible account is suspended or cancelled, subject to the terms and conditions of  coverage. 

Transfer of rights or benefits: The group policy is not assignable, but the benefits may be assigned. 

Intentional Misrepresentation and Fraud: If any request for benefits made under the group policy is  determined to be fraudulent, or if any fraudulent means or devices are used by you or anyone qualifying  as an insured to obtain benefits under the group policy, all benefits will be forfeited. No coverage is  provided if you or anyone qualifying as an insured does the following: (1) Conceals or misrepresents any  fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent  to deceive; or (2) conceals or misrepresents any fact that contributes to the loss. 

Due Diligence: You must exercise or perform all vigilant activity, attentiveness, and care that would be  exercised or performed by a reasonable and prudent person in the same or similar circumstances to  avoid, diminish, or reduce any loss or damage insured under the group policy. 

Subrogation: If payment is made under these benefits, we are entitled to recover such amounts, to the  extent of our payments, from other parties or persons. Any party or person who receives payment under  these benefits must transfer to us his or her rights to recovery against any other party or person and  must do everything necessary to secure these rights and must do nothing that would jeopardize them. 

Salvage: If an item is not repairable, we may request that you send the item to us for salvage at your  expense. Failure to remit the requested item for salvage to us may result in denial of the claim.

Severability of Provisions: If in the future any one or more of the provisions of this Guide to Benefits is,  to any extent and for any reason, held to be invalid or unenforceable, then such provision(s) shall be  deemed “severable” from the remaining provisions of the Guide. In that event, all other provisions of this  Guide shall remain valid and enforceable. 

Benefits listed in this Guide to Benefits are subject to the conditions, limitations, and exclusions  described in each benefit section. 

Receipt and/or possession of this Guide to Benefits does not guarantee coverage or coverage  availability. 

This Guide is intended as a summary of services, benefits, and coverages and, in case of a conflict  between the Guide and the group policy, the group policy shall control.