Visa Signature® Everyday Rewards+ Card Terms and Conditions

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

.We may change APRs, fees, and other Account terms in the future based on your experience with Greenciphers Renewable Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

Disclosure of Credit Card Terms

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.

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

The information about the costs of the card described in this application is accurate as of 10/2022. This information may have changed after this date. To find out what may have changed, call us at 1-772-588-0472 (we accept relay calls) or write to us at 515 N Flagler Drive, P300 WPB,FL 33401

1Not all products receive Convenience Checks.

2Not all products offer Overdraft Protection.

How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.

Notice to New York Residents: You may contact the New York State Department of Financial Services by telephone at (800) 342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest-free periods.

California law requires that we let you know: Married applicants may apply for separate accounts in their own names.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.

Notice to 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.

IMPORTANT TERMS AND APPLICATION AGREEMENT

Customer Affirmation of Intent to Apply If an application is being submitted on your behalf, we ask that you provide confirmation of your intent to apply by texting the word "APPLY" to "7725880472". By doing so, you will receive a one-time passcode to complete the application process from the Cardmember Service - Intent to Apply program. Message and data rates may apply. Mobile carriers are not liable for delayed or undelivered messages. Reply "HELP" for help. Our Privacy Policy can be viewed at https://www.greenciphers.com/privacypolicy .By submitting this application, you understand and agree that Greenciphers Renewable Financial Services ("we," "us" or "our"), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge. If we open an Account based on this Application, you will be individually liable (or, for joint Accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this Application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes and for other legitimate purposes associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnished the report. By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. By submitting this application, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit reporting agencies, employers, third parties and through records maintained by federal and state agencies (including state motor vehicle departments) and waive any rights of confidentiality you may have in that information under applicable law. You agree that, in order to open and administer the Account that may be established as a result of this Application, we and the correspondent financial institution that solicited this Application may share certain information about you and your ongoing Account activity. By submitting this application, you certify that you read and understood the disclosures here and you agree to the terms of this Application.

Authorization for the Social Security Administration to Disclose Your Social Security

Number Verification: In connection with your application for this account and by clicking the SUBMIT button, you authorize the Social Security Administration (SSA) to verify and disclose to us through Early Warning Services, LLC, our service provider, whether the name, Social Security Number (SSN) and date of birth you have submitted matches information in SSA records. This one-time consent is valid for the next 90 days.

Rewards Program Rules:(a) Points. We will credit your Account with 1 "Point" for every $1 in eligible Net Purchases. In addition, as further explained below, you will earn additional Points for the following Net Purchases: (1) You will earn 3 additional Points for every $1 in Net Purchases during each billing cycle for transactions that a merchant classifies as a restaurant, fast-food restaurant or bar. (2) You will earn 1 additional Point for every $1 in Net Purchases during each billing cycle for transactions that a merchant classifies as a gas station. (3) You will earn 1 additional Point for every $1 in Net Purchases during each billing cycle for transactions that a merchant classifies as a grocery store or supermarket. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. (4) You will earn 1 additional Point for every $1 in Net Purchases during each billing cycle for transactions that a merchant classifies as a streaming subscription service. See the Program Rules (as explained in (b), below) for the current list of qualifying streaming subscription services. Merchants identify their business by selecting a category code established by Visa/Mastercard. A Purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which Purchases qualify for additional Points. Your Account must be open and current (that is, no Minimum Payment is past due) on the closing date for the billing cycle in order to earn Points. Subject to credit availability, the number of Points that may accumulate in any monthly billing cycle for your Account is unlimited. "Net Purchases" for a statement period are determined by totaling all new Purchases charged to the Account during the billing cycle, then subtracting credits posted to the Account during the billing cycle for returned Purchases and/or adjustments. If credits during a statement period exceed Purchases, the credit balance will be carried over to the following billing cycles and offset against future Purchases charged to the Account for purposes of awarding Points. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points. Points will not be awarded for any billing cycle if your Account is closed or is not current on the closing date for that billing cycle. Points will not be awarded for transactions posting as Convenience Checks, credit insurance premiums, Advances (including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Balance Transfers, INTEREST CHARGES and fees, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. We reserve the right to adjust or reverse the number of Points that were awarded for unauthorized transactions. Further, this Account is intended to be used for the purchase of various products and services for personal, family, and household purposes, and we have the right to adjust or reverse the number of Points that were awarded or terminate the Account if we determine that purchases or transactions were outside of such use, including, without limitation, excessive or patterned purchases of cash equivalent instruments, such as gift cards, rewards cards, and other prepaid cards.

If you were offered the opportunity to earn bonus Points when you opened the Account, in addition to any terms and conditions noted in your Offer Materials (such as spend amount and timing requirements), please note that this benefit is not available if you have previously earned enrollment bonus Points with your Account.

You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Points will not expire as long as your Account remains open.

Please review the Program Rules and FAQ by accessing the Rewards Center for information regarding your Points transfer options. Points have no cash value. Please allow up to 60 days after a Purchase for Points on that Purchase to post to your Points balance. (b) Program Rules. Complete terms and conditions for the Rewards Program, (the ""Program""), including rules regarding the redemption, expiration, loss or cancellation of Points, award thresholds, eligibility, participation, and our right to amend or terminate the Program, are set forth in our Rewards Program Rules (the ""Program Rules"") that are provided to you separately. The Program Rules will exclusively govern the terms of the Program and, with respect to the Rewards Program, to the extent the Program Rules conflict with the terms of this Cardmember Agreement or any other materials the Program Rules will control. We reserve the right to amend or cancel the Program or change Program benefits at any time with or without notice to you. Please review the Program Rules and FAQ online through the Rewards Center.