How we calculate your balance: We use a method called "average daily balance (including new purchases)."

This information was accurate as of the date it was printed and is subject to change without notice. You should contact Applied Bank for any updates to this form. This Offer to establish a credit card account is made by Applied Bank of Wilmington, DE ("we", "us", "our").

APPROVAL AND CREDIT LIMIT TERMS: By accepting this Offer you are requesting an Applied Bank credit card account. You also certify that you are at least 18 years of age. If you are under 21 years of age, we will require that you provide us additional information in compliance with the Credit CARD Act of 2009. You can increase your initial credit limit up to a maximum limit of $5,000 by making additional deposits to your Deposit Account.

CREDIT AVAILABILITY: The $48.00 Annual Fee will be charged when your Account is opened and will reduce your initial credit availability. Any charges for Optional Card Benefits will reduce your available credit. All account purchases and cash advances or any other fees and charges will reduce credit availability at the time they are charged to your account. Account related fees, if incurred, will continue to be charged even if your account is Overlimit.

Notice: If you accept or use an account, you do so subject to the terms of this Offer and the Credit Card Agreement ("Agreement"), which will be sent to you. The Agreement and terms of your account are subject to change. The Agreement includes a binding arbitration provision, which, if not rejected by you, may replace your right to go to court, as well as other rights you may have, including the right to a jury and the right to participate in a class action or similar proceeding. Any changes that you make to the Application will have no effect to this Offer. This Offer and any resulting account are subject to Delaware and federal law. You agree that: You will be responsible for and will pay all charges and fees incurred on any account granted according to the Agreement; all statements made and information provided by you are true; our company, its affiliates and/or its vendors may monitor and/or record any conversations with you; your account will only be used for personal, family or household purposes; we are authorized to verify all information you provide; we may use any email address provided to us to send information to you about this Offer and your account including information about the status of this Offer or your account; we may obtain consumer credit reports related to this request for credit and for updates, renewals, extensions of credit and review or collection of your account; we are authorized to furnish information about you and your account to consumer credit reporting agencies and others who help service your account. Upon request, we will tell you the name and address of each consumer credit reporting agency from which we obtained a consumer credit report about you.

When you give us your cellular phone number, we collect your cellular phone number from you or receive it from another source or as a result of receiving a call from you, you expressly consent to accept from us, our affiliates or any third party acting on our behalf:

1. Calls or text messages for any Applied Bank related purposes, including, but not limited to processing your application.
2. Calls or texts messages that we initiate to your mobile phone number made or transmitted using any automatic telephone dialing system and/or containing prerecorded messages.

You agree that you will be responsible for any fees or charges you incur as a result of incoming calls or text messages from us, our affiliates, or from any third party acting on our behalf.

TAXPAYER IDENTIFICATION NUMBER CERTIFICATION: Under penalties of perjury, you certify that the Taxpayer Identification Number (Social Security Number) provided on the Application is correct, and you are not subject to back-up withholding either because: a) you have not been notified that you are subject to back-up with holding as a result of failure to report all interest and dividends, or b) the Internal Revenue Service has notified you that you are no longer subject to back-up withholding. PLEASE NOTE: IF YOU ARE SUBJECT TO BACK- UP WITHOLDING, ADVISE US BY PROVIDING NOTIFICATION WITH THE APPLICATION.

New York Residents: May contact the New York State Banking Department at 1-800-342- 3736, or visit its website, www.dfs.ny.gov, to obtain a comparative listing of credit card rates, fees and grace periods. Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. California Residents: Married applicants may apply for separate credit; prohibitions barring class actions not applicable. Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement or court order applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order or has actual knowledge of the provision. Married Wisconsin residents must furnish the name and address of your spouse to Applied Bank, Correspondence Department, P.O. Box 17125, Wilmington, DE 19850-7125. West Virginia Residents: This offer is not available to residents of West Virginia.

Deposit Account Information and Disclosures:
By submitting this Application you understand that you are requesting a Secured Visa Card that will have a credit limit at least equal to the deposit made to an Applied Bank Deposit Account that will secure your credit limit. YOU AGREE TO OPEN AN FDIC INSURED DEPOSIT ACCOUNT WITH US TO SECURE YOUR CREDIT CARD. There is a $200 minimum deposit required, with a maximum deposit of $1,000 at account opening. Your initial deposit must be made from a valid checking account. If your application is not approved or is withdrawn by you, your entire deposit will be refunded thirty (30) days from the deposit date.

Once your account is open, you may deposit up to a total of $5,000 in your Deposit Account. The Deposit must be maintained with us unencumbered at all times. With our consent, you may also withdraw from the deposit, which will reduce your credit limit by a like amount, however any such withdrawal may not exceed the account balance. The Deposit Account will not pay interest.

You expressly acknowledge that you have read, understand and agree to the account information notices, disclosure of credit cards terms, and other terms that accompanied the Application. You further agree that this Application and all resulting agreements will be subject to the United States and Delaware Law.

USA PATRIOT Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

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For questions contact Customer Service at 800-947-1090
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