BAUSCH+LOMB Horizon Rewards Visa Incentive Card ®or …

BAUSCH+LOMB? horizon rewards Visa? Incentive Card or BAUSCH+LOMB? horizon rewards Visa? Virtual Account ? Accountholder Agreement

IMPORTANT: YOU HAVE RECEIVED THIS ACCOUNT FOR LOYALTY, REWARD, OR PROMOTIONAL PURPOSES. YOU ARE NOT THE OWNER OF THE ACCOUNT OR THE FUNDS UNDERLYING THE ACCOUNT. YOUR FAILURE TO

ACTIVATE AND USE THE ACCOUNT RESULTS IN THE LOSS OF ALL RIGHT, TITLE AND INTEREST IN THE ACCOUNT AND THE UNDERLYING FUNDS. ACCOUNTS WILL NOT BE REPLACED AFTER EXPIRATION.

THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES.

ThohriiszodnocreuwmaerndtscVoinssat?itIuntecesntthiveeaCgraeredm("eCntar(d""A)gorreBemAeUnSt"C)Ho+uLtliOnMingB thhoeritzeornmrsewanadrdcsoVnidsiati?oVnsirtuunadleArcwcohuicnht (t"hVisirBtuAalUAScCcHou+nLt"O)MhaBs been issued to you. Please read this Agreement carefully and keep it for future reference. By accepting and using this Account, you agree to be bound by the terms and conditions contained in this Agreement., including the Arbitration Provision set forth below. For purposes of this Agreement, "Account" means your Card or your Virtual Account, as applicable, unless otherwise specified. The SPproognrsaomr .haTsheesPtarobglirsahmedwaillcdoerpteorrmatieneinwchenetthiveer yporougarraemab(lteheto"sPerloegctraamV"i)r,tuwahl Aicchceosutnatbilnisshteeasdthoef ateCrmarsd.oPflyeaosuerrpeaardtitchiipsaAtiognreeinmtehnet cUaoDauu.ertSrphe.sofoAuusrc.liilztcyIeeIndnsacssn.touod(rr"saukV,nseaeciefseptfahiC"leii)tao.AtfreIopcnsrocorotfahruutitanisuostrsnAaeisg(gr"npreFeerfoeeeDmsrvIe.iCendInsce"sted),u..fe""TorySrhiopseiuona"Antbshacoaicnsrnod"kAu"mncgyhtreoeaaiuesrntmresi"sreIsemnCudtee.uGda`nWnrbdoyeteuhr"pCe,t,he"pLenuePtslrra".saw,oYl"nsBooououafnrra"tkpch, keeaornnfSsodoKtwan"atslIenesdwssoaugfhseeMorC"aihnismtasdyvoeaeuapgnrurirreCeasceuneeadntihvntarateatdMtlotBhtehaeamenlvbikAaceleorcunfcoesoKfeautavhnfnraetosiFlaamasnebddCVleeiairtsiraynael, tnhoentAracncsofuenratbilse,liamnditeitdmtoaythbee fcuanndcselethda,trehpaovsesebseseend,looardreevdotkoedthaet Aancycotiumnet wbyiththoeutSpproionrsonrotaicnedeaxlcloecpattaesdrteoquyioreud. TbyhelaAwc.count is How to Contact Us. For Customer Service or additional information regarding your Account, including the terms, conditions and fees wtBhAwatUwaS.pmCpylHyc+atrLodOitnhMfeoB.Acacrchdoosur/binzato,unspclehraleoswmeabcro.dnst,acPt Ous (B1)oxby 1p2h4o,neDaet:ll1-8R0a0p-i6d4s0, -4S9D53 (5T7o0l2l2F,reeorwi(t3h)in tbhye UvSisAit)in; g(2)obuyr mWaielibnsgiteus aatt:: Description of the Account. The Account is provided to you for loyalty, reward or promotional purposes at the request of the Sponsor SadresepctopeenarivmrstoeidornfematdchacbeyoyPmbSrepopagaonrbnaylsmeion.rtgoTuynhloodeuaeArdr cAtmhcceoocurPoenrutofnuigts.rnaadYmspo.rtueoTpmhtaheaideyinpAnirtocoiatcdloauvudcandtltut.mheaoTotrfhmeethafufyeunAondndsclscytooabuctenchteelosisAsaidtbchecleedoaubbmnyyto.tyhuIoenfutpSpefporroimlnnlotisetwotderidnowgnbitytahhcteathiCvesapatteericdrominofisrcoiofanfmyttohhoueeurnmPAtraooctefgcrofriuaaumnlnsdt,ysatoharuees pAwrceocvaoirdueenndt.obtTyrhetsehpeaomnSsopiuobnnletsooforf,rfnuroenstdotshlvleoinaIgsdseaudneyrto.dTyihsopeuurStAepsocbcnoesotuwrnetiseannfudyloltyhueraeonswdpnothenressiSbhilpepofonofsrothre.ensfuurnidnsgatrheatmfautntedrssabreetwaveaeinlayboleu taondbethleoaSdpeodnstooryaonudr Schedule of Fees. All fee amounts will be deducted from the funds in your Account and will be assessed as long as there is a remaining balance on the Account, except where prohibited by law. The following fees apply to your Account:

Fee Description

Fee As it Appears in Transaction History

Cfraormd RyoeuprlaAcecmcoeunnttFiefey.oTuhriseqisuethset afereepthlaactewmilelnbteCdaerddu. cted

SVC CHG REPLACE CARD

Fee Amount $5.95

UcaslilninggthCeusAtoccmoeurnSt earnvdicLeimoritvaitsioitnins.gIofuyroWu eelbescitteed(stoeeresceecitvioenaepnltaitslteidc "CHarodwintothCeomntaacilt, Uyosu").mSuusbt jaeccttivtoattehtehleimCiatardtiopnrisosrettofourstehbiny tehxicseAedgrteheemaveanitl,ayboleu vmaaluyeuosfetthheeACcacrodutnot paunrdcohtahseergroesotdriscatinodnssedrovincoetsaapnpylwy.hIefraevVaiilsaabdleebtoitycoaurdusnadreer athcecetpertemdsaosfltohnegSapsoynosourd'sopnlaont taenldepyhoounee.lected to receive a Virtual Account, the Virtual Account may only be used to make purchases online, by mail order, or by oopTrurhroefprtAoohmsecercsaoa,cumcanonetudrccnahtny.aoonTunthlaeyatgAbpreoececiunostteu-hdonaftft-oissryanlopeouu.trTcawhhgiailsislfeAtotpcrnracloynodsuuaunccstttei,iosnntNohsreOainsTAdicatcciacnonrtuenendnotidttebfpoderroufodsprueedcgrtsit,footnnionoabrgl,tiapsfiunatrhmpceaoilsAsyhe,csfc.roooTrumhnhetaoAncuoscanecunhotoeoucmlndtteaditpseuidnnrotpeatolndlsyeeerssw.migaTanycehhtdeoinfaAoenrc(y"bcAouduesTipnnMotess"iiss)t nlaown.traTnhsefeAracbcloeu,nmtaiys nnoott baecrheescoklidn,ganodr msaavyinbgescaacnccoeulendt., rYepoouswseislslendo,torrerceevivoekeadnyatiannteyretismt oenwtihtheofuutnpdrsioinr nthoeticAecscuobujnect.tTtohaepApcliccoaubnlet (but not the funds in the Account) is and will at all times remain the property of the Issuer and must be surrendered upon demand. The funds on Account will NOT be FDIC insured. The Account cannot be used for illegal transactions or online gambling activity. Iefffyeocut wusilel btheethAecscaomunetansuifmyboeur uwsietdhothuet pArcecseonutnint gitstehlef.AFcocrosuenctur(istuycrheaassofnosr, wa emmaialyorlidmeri,t Ithnetearnmeotuonrttoerlenpuhmonbeerpoufrctrhaanssea)c,ttihoensleygoaul cfoarnamllatkraenosnacthtieonAscicnoituinatt.edYobuy duosenooft hthaeveAtchceoruingth.tItfoysotouppperamymitesnotmoenoanneyetlrsaentsoacutsioenthmeaAdeccwoiuthntt,hweeAwccilolutnret.aYt tohuisaarse irfesypoounshiabvlee authorized such use and you will be responsible for any transactions made subject to such use. tYEhaoecuhamatrioemunenotytooanullotuhwseeeAdthcteocAoeucxncctoe,ueydnottu,hyeaogaurveaaeuilttaohboplreaizybeauluassnoctone ddoeendmtuhacentdAthtcehceaomuamnotuo. nuHtnootwfoefthvaeenrty,rainfnewsgaeacttdiivooenabfuratohlamonrcitzehe.eIoffruynpodausyafaavitalrialtanobsmalecatoikonentahinneyeArxeccqceuosiusrneotdf. pcoaymmpleinatn,cweewhiathveapthpelicriagbhltetloawin.itiate collection proceedings against you and/or report your failure to consumer reporting agencies in If you wish to use the Account for a purchase which is greater than the balance of the funds available on the Account, you must tell mathneeortmchheearrncpthaathynamttteoynoctuhmawregotehuoloddn.lliyTkethheteoseecxoaarmcetpcalaemltleoeuadns"tpsolpfitlaittvratarnialsanabscalteciotfinuonnpdsrs"iotraonttodhesswoAmicpceinomguneotrrcauhnsadinntthgsetdnhoeyoAnuoctmcoaululsnottwa, rtrhtaheneAgmec.ctooIufpnaytyomuthaefyadiblifetfoedreiencnlfcioneremuds.itnhge The Account may not be used for "pay at the pump" transactions at automatic fuel dispensers. If you wish to purchase fuel, you must ptraaynsfaocrtiyoonus)r. purchase inside with the cashier. The Account may not be used for preauthorized regular payments (i.e. recurring When you use the Account at certain restaurants, hotels, car rental companies or similar service-oriented merchants, the transaction bmopinetahaycyedmorenbcepnelnuietnprcerapteidmooa.snuoeAtuswhn.opitWtrrhoiezfeatehuydwetohfipuoollrurrriopztchnuahelrtaycisoahemcna.hsoIwaefur.itgnlUhletenpotptlhfiarletcehteahAeueacpthctu"roorahrucnoihnzsladtaastc"fietooioropnnnltauhtmfsheionaocsanuoelnlraytrfdeuedscnxeitdtctitaseolmeenfsdoao,slrutt2hunh0epte%foatuofvn(aotdshirislexamstbyfuloiebnr(jae6bel)0ac)ttltoraatdnocnacosyetahvsoceeutnrihnottoithniplel,dstaAowhnrecdiclimlnowncueeionrdtctew,hbnyaietlonalautlrvreesaexltiernplaaadensbsneslsaeueacstsntoiytoihnyneecosxuufmcrirnefaeosaydsrl athmeoaupnptrwovhaelnmthaey trreasnuslatcintioanhfoinldalfloyrstehtatlteasm. Iofuynotuoafufuthnodrsizfeorautrpantosatchtiirotyn(a3n0d)tdhaeynsf.ail to make the purchase of that item as planned, PIN. A Personal Identification Number ("PIN") is a four-digit code that may be used to make purchase transactions instead of signing IftoforykoyeuoeuperlyetorcatuenrdsPatcIoNtiroecnco.enIivffieydoaeunVteiialrelt.ucaWteldeAtrcoeccroeoucmnetmi,vyeeonaudpwtlhaiasllttinycooCtuasmerdleeicmnt oathrPiezIemNya. oiTlu,orypoPruIeNvweainlnltdsuendtaoyuonthuoortrPwizIreNidteaasictcpdeaosrstwotnof. ttWhheehCCenaarreddnbatecartliaivnnagcteito,hnyeopPurIoNacg,ersbesee. sreutrreieivtecaonrnroetsbeet yoobuserrPveINd bayt oanthyertsimaendbdyocnoonttaecnttienrgthCeusPtIoNmienrtoSearnvyicteer(mseineasletchtaiot napapbeoavrse teonbtietlemdo"dHifioewd otor sCuospnitcaicotuUs.sY")o.uSmomaye AmTerMchoarntcsamshaybarcekquaitrae ypoouintto-omf-asakleeptuerrmchiansaels. using a PIN rather than your signature. Your PIN may not be used to obtain cash at an AbFergalirueedveuemleeynnottu.CraWArdecAcwociucllnoitunnicstuArbcentioinvgliitayub.sielWidtyefbomeracfyaruabsuleodcoukfleotnhrte,causnuncsapevliacyiilooauubrsilAiotycrcocofruitmnhteiinffa,ulansdacasttrihveasitutylmtooarfyoabnueyrapsaosclotiiccviieiatstyeadtnhwdaitptrhiosycieonducurorAnessci,cswoteuennrtte.wasiothnatbhliys NusOedTEto: cIfomwpelceotentaapcturycohuasbee.cWauesewwilel astutespmepctttyoocuornAtaccctoyuonut.mIfafyohrawvheabteeveenrcroemasporno,mwieseadr,eyuonuarbAlectcooruenatcwhiyllouli,kweleywbeillutnraybtloe lteoabvee yoseordcuteiarontmoeernsestiiantglseetda. tI"efYtwroaeunrdsaRocestisoopnoorncisafipbyaiolbiutiyliatrfieeosruoUnranbtaoluetohtroodrueirszeeydtohuTeraAanncsecfwoeursAn,tc,Lcpoolseusansote.rTmThhaekesfeet"ea,vcaetinroydnessfefarorveret tttaookrepenotutteronntpiorauellrsyecrahvleellpaysotosuorporrniogtahesctstpouysnosduiebfrlreothmine fisrasuuds.pPenledaesde.note that fees will continue to be assessed in accordance with the Schedule of Fees set forth above while your Account Expiration of the Card and Funds. The Card has a "GOOD THRU" expiration date embossed on the front of the Card Account. The afrYueuopnthuldaoscwreiiizndlel.dtnhopetuArbccehcaaosbuelnsetpteorxiouprsireteothwtheheeAencxcpthoieruantCtioaonrrddcaolatreimVoifrthttuheaelfAuAncdcccsoouiunnntt.thOeexnApciecrcetosh.uenYetoxaupfitrhearatvitoehnendeoaxtrpeiigrhhaattsiotponatsdhsaeetdef,uatnnhddesAthecexccAoeupcntctotouwniutllswebietlhlvenomoidtefboder. tCoaCrdonRteapcltaUcesm")e.nWt. eIfmyaoyu anseseedsstoarfeepelafcoer tyhoeuRr CepalradcefomreanntyCraeradso(sne,epltehaesseeccotinotnacatbuosvbeyentetiletlpehdo"nSec(hseedeusleecotifoFneaebso")v.e entitled "How Returns and Refunds. If you are entitled to a refund for any reason for goods or services obtained with the Account, you agree to a(n5co)ctedbpaetymcsrfaerkdoiimntsgttahonetyhderaetAetuctrhcneosurtenhftautfnowdritslrluarcnehssaurcelttfiuionnndaosc.crcTeuhdreist.abRmaecotkauintnotsyyocoruuerrdAAitceccdcootuounnttth.uenAtilccyoouunatrfeosrurreefuanlldpsumrcahyasneostabreeafvinaailla, balnedftohraut pyotou fwivilel Foreign Transactions. You are not allowed to make transactions with the Account outside the United States, including online and mail morudsetrbmeecrocmhapnletsteldocinateUdniotuestsSidtaetethseDUolnliatresd. States. You are not allowed to make transaction in foreign currencies; all transactions Our Liability for Failure to Complete Transactions. We shall have no liability to you if we are unable to complete a transaction: (i) for otrhepeaesrtoraantenssbpaercoytipooennrd,lyoi,fuaarncmdoenyrtocrhoualkn(sntuercwehfuaasbse,osiufttothtahrcoecuepgprhotbnylooeumfrauAwltchcoeofnuonyutor,sui,fyinaoniutieadltoeecdntortohtnehiactvrtaeenresmnaocinutiagolhnw,fuhfinerrdees, yfalovouaoirla,arbeolremcianokmyinopguurtaeArtrcaocnroscuaoncmttitomonucdnooimceapstlineootnet fhaaislubreee),n(ibi)loicfkaecdcebsys tuosyfoourrsuAscpceocutendt hfraasubde,e(nivb)loifcktheedreafitserayhoouldreopnorytoeduryfouunrdAs cocroyuonutrlofsutnodrssitnolyeonu,r(iCii)aridf aAcccecsosuntot yaroeursuAbcjeccotuntot olIoentrghmnaeloriwpsceriovosecen)end,stuescsvohterabnloylitfhuwesyeroseuhbnaehcllaulivbmaeebblalreidamnvtoicitseeeydrdoeutusotsrftioohcrfetiatnihnngeyittiphaioenlisdrvsiaiurbelsuiceleti,,tayocnfoodtnfh(sseveu)qAciuhfcecwdnoaetuimahnlaat,.gveTeexshre.eimsYasppoorluaonrvatyoigsroibeoreenlsitepshhveaacetliytlaholneuodrrtaermbqeeucaeoegsfvetfeseerdc(ytwtirfvhaoenertstahoanectyrthioeiannlelecxisgoteeunndntrtanapucerttgoh,lhoitgoirbierzitnteecodder. by law.

asYanomduecr aLlneivnaeobltiloirtefypcflaaorcreeUtfhnuaantudytshoouursiuezsdeedbtTyorapanrnoystfeuecrntsa,tuhLtehooscsraisozher dTinhueysefotru..rYYwoouaulslaehgto.rueWledetpocraosnatefnecogttutphareredAveycnoctuotruhnAetc,ucinnoacuulnuthtdoainrgigazieyndostuurlsoePsIsoN,f t,thhaeegftaAiancnscdtotuuhnnetaftubtwyhiootrhthizteehrdes uensetitbleydta"kHinogwatlol rCeoansotancatbUles"p)reicfayuotiuornAs.cYcoouuntagisreleosttoonrosttiofyleunsoIrMyMouEbDeIliAevTeELthYatbsyomcaelolinneghCasusmtoamdeeraSneurnvaicueth(oseriezesdecttriaonnsaacbtoiovne whoFnaeistehysoo"yc)uco.ruuWArrreAecdcrcoecwusoeinutrthvn, etyi.fotWhauenreyrAmi.gcTahchytoetunorneotdt,mebwcaeleyianwbbeleietlolatcoifaseasneuscseeailssystyooyoucuoiaruatArieefdcpyclwoaoucuitenhdmtooaernnndodtetArihsincsacugvoeeauytnrhoeteupinlAaaaccrceeccpmooluaerncdnteatnmnCuceamenrdtwbAei(rtsch.ecIeaofpuswpenecltitcldiooaeabntedlearembdlaoiwwvneei.thtehntahttietulernedamu"taShicnohirneizgdeuvdlaeulusoeef YunoauurthlioarbiizleitdytfroarnsthacetiuonnasuitfhoyroiuzerdAucsceouonftyiosulrosAtcocrosutnotlemn,ayprboevildimediteydoubyhaVveisan.oUt bnedeenr tghreosVsliysanreuglleisg,eynotuorweinllghaagveed ninoflriaaubdiliitny tfhoer hVainsadlZinegroofLyiaobuirlitAycpcooluicnyt adnodesfunrothtearppprlyovtiodecdertthaiant ycooummpreormcipatllycarredpoarntdsuanchonlyomssoours tphreefptatioducsarbdytcraanllsiancgtiConusstoormterarnSsearcvtiiocen.sTnhoet appropclyestsoedyobuyr AVciscao.uVnti.sa's Zero Liability Policy is subject to change without notice and changes made by Visa will automatically rMoOerbteavtraiicnsihnitayiinnnoggtusrtoghureeernBceWeraialepalbtlnysctioweteiovl(nlesnertioehftyesbeAyecoctaicuobornluetanrtoabt.nodYsveaeotceuetrinmosthniitonsl.ueedlYtdh"oegHueaotvawaarierltaeorbceCelseipopbontantaalsatcinbtthclUeee.stf"Yiom)or. euYkycoeoaeunupwiamnilglsalokntrreoeatatcrakitueravotonefmsttahhaceettiibcoaaanvllalauynislcraienebcglbeeytihvbceeaallApalaincnpccgeeorCuosnutntas.ttoteYhmmeoeeuAnratScsgce.rorevueincttoe. No Warranty Regarding Goods and Services or Uninterrupted Use. We are not responsible for the quality, safety, legality, or any other bathseepuegncoatobodlfesatanonydugsseoeortvhdeiscAeosrcwsceoerurvenictpeousrrycohobautaspeindu.ricnFhfroaorsmme awtitmiiothenttahobetoiAumtcecyotohuuenrAtb.acAlcalolnucsnuet.cshYeordvuisicpaegurtmeeseaysthhbaoetuwildneobpaeereraadntdiovrteers,esasenpddotnwosihtbhelenemtfhoeirsrcahhnaaypnpitnsetnefsrro,rumypotwuiohmnoaomyf sNTFeIHOrTvENiRcEAeE.SPCSRECFXEOOSCUERENNPATTT,APAIATNSRICOETLNXIUCSPUDROLIENRASGSRW,LPAYWURIORRTTPHAOHONSEUTERIT.EWSLISIOMEFIPTARANOTYVIOIKDNIEN, DDAINTNYOTYIHMOISPULA,IGWEDRHEEWETMAHERENRRTAENOXTRPIRERESESQOSUFOIRRMEEIDMRPCBLHYIAELDNA,TWRA,EBWGILAEIRTMYDAINOKGRE Other Terms. The Account and your obligations under this Agreement may not be assigned by you. We may transfer our rights under adthlelilsaayApipnglrgiecoearmblfeeanirltuinalgetsatonaynedxtiecmrucesistwoemitthhseomouftaaytnoayunryclcetoiamnrsiene.gnIhtfoaaunnsdyepworirothvooitshuieotrnnaoostfiscotheciitsaotAiyogonrueienemvxcoeelnvptetsdhasainlrletbqreaundirseeatdcetrbimoyninlsae.wdW.toeUbdseeoionnfovttahlweidaCiovarerudoniuesrnsfruoigbrcjheetcsatbbtlyoe guonvdeerrnaendyblyawth,ethlaewvaolfidtihtey SotraetenfoofrcMeaisbsioliutyrioefxcaenpytotothtehreperxotveinstiognovoefrtnheids Abygrfeeedmereanltlaswha.ll not be affected. This Agreement will be Confidentiality. We may disclose information to third parties about your Account or the transactions you make: (i) Where it is Onmgietvechrieencsrhgswaaunirsytse; fy(aoiosiriu)ncreIoncwmeorspirstldaeteertniyrnttgopoetcfrrouammnlfissipalsllciyootinuwo;rnitos(hv;b)(lgiiogiT)vaoIteniroonnoumrsrdeueennrmtdtapeoglrovetyneherciiseyfsy,A,ctgaohruueedreetimtxooierrsdnstee,t.nra,cfoefrilaionatdtheecsr,olnseedgriavtiliocrneepopofrroytivoniugdrerAresqc,ucoiorruemnattetfonortrns;eay(tishvi)ardsIfpnyaeoreutdyce,odsn;uscoehrnat(svbiya) RbeetcwoerdeninygoaunadnMd uonsiotorroinugr.veFnrdoomrstaimndetthoirtdimpea,rtiynsaecrvcoicredapnrcoeviwdeitrhs taopapsliscuarbelethelaqwu,awliteymofayoumr ocunsittoormaenrds/eorrvriceec.ord telephone calls Amendment and Cancellation. We may amend or change the terms of this Agreement at any time without notice to you except as rAaengqyrueoierfemodeubnrytraiagtphaptnslyicotaribmyloeeu.lraYwoob.ulTimghaaetyimocnoassntaccreiulsrtihrneigsnutAnAgdgreerreetmehmiesneAnt tbgyirseraeevmtuaerinlnaitbnplgeritoohrnetoAouctrecrWomueninbtastiottieou.nsW.. TIneermthmaeiyneavctaeinonctnetohlfeotrAhsicsucsAopugenrnetdeimsthceeannAtcwcecilollleudnn,otctolaorfsftehedcist, or terminated for any reason, the unused funds will be returned to the Sponsor. IANrCbiLtrUatDioInN. GAWCTAIIVVAETRIOONF YOORURUSREIGOHFTSYTOOUCRLAASCSCAOCUTNIOTNC. ONSTITUTES ACCEPTANCE OF THIS ARBITRATION Purpose. This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court. Opt-Out Process. You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you dacocnepottawncisehotfoyboeursuAbcjceocut ntot atht itsheAfrobliltorawtiionng Padrodvreissiso:nP, .tOhe. nBoyxou12m4u,sDt enloltiRfyapuidssi,nSwouritthinDgawkoitthai,n5s7i0x2ty2.(Y6o0u)rcawlreinttdeanr ndoatyicseomf tuhset iPnrcolvuidseioyno. ur name, address, Account number or social security number and a statement that you wish to opt out of this Arbitration DtAahregeisfriirenneegilmtaiftoerinoonsnmts.s.hAo"irCsprslueasrliaeemtsdiu"niligntnincttohgluitsdfhreeoAsmArcbclaitcthiromiasutsinAootngforrePevtreheomirvsyeisAnkitoig,nnride,neactmhnluededntnientargatmustrhwe"e,Ceillvnlaacialmlsiud"daiintmnyyg,ereabennulafstotnearocdnetyoalribcmpillariiittimeyodr,oatdrogisrsiencpeoiutmpitaeeelonocrtflatcthihmoaintssty,rAocoovrubuemirntsrtayeayrtibcohleanatwivmPeerseho,navcdirysowiosousint-haconluardsitmhuoessr aenqduitthy.irTd-hpeartetyrmcla"iCmlasiamn"dicslatoimbsebgaisveednutphoenbcrooandtreasctt,potosrsti,bflreaumdeaanndinogththeartinwteilnltbioeneanlftoorrctse,dstaantudteinsc, lruedgeusl,atwiointhso, uctomlimmiotantiloanw, aannyd ca(ildvav)iemtrht,eidsebismepnueentfetistos, rpacnroodnmstroeortivvoeincresssyortreholaarttaealdroistroewsyfroriuottrmenAocsrctaroteuelmanttee; snatntsod:r(e(vil)a)tyyeodouutrroAeyncorcuoorlulmAntce;cn(otiiuf)ontrth,aegnaoymoAdoscucnootruosnfetra.vvWiacieelsasbphlauelrlfcunhnoadst seedilnewcytiotthouryuAoseucrcaorAbucintcrto;aut(iinoiitn); usfaoonnrddloaealnrllgltphaouesfrAptthohresbeeiiCrtsrlaamatgiiemeoannnitssPt,rhinoeedvmIiisvspsiiloudoneuyraef,leowsar,nhaddonilyprleyeCcnotldoaririnmmsgaatojnhondarltiyrtyyeiopnourwethpsneereoncdptoaesutriurlvytb.essfiAi.dleiIsanaurinsaeeddsd,dpiaiutnfirfositnhlui,eeat"Aiewnsr,eba"liistcrmoaertnais"loleunecsPsl"a,risopmhvraesisldclieooicnnue,crstltsuhoodefresty,eoarsnumuyrcscst"ethawsitsreeod"rospra,anmardtnuyd"nuuiacsss"iispnisagghlniaotslyr;l pArcocvoiduinnt,gtahnirydppraordtiuecst,wsheorvuicsee oorr pbreonveifditeisnecrvoincneesc, tdioebntwcoitlhleycotourrsAancdcoaulnl to(finthceluirdaingge,ntbsu,tenmoptlloiymeietes,ddtioremcteorrcshaanndtsrwephroesaecncteaptitvtehse) ibhfya,vayenodauno.dnA/losyrsiufo,sleesultychheustAhedicrcdionputanhrtit,syiAniscrlnbuaidtmrianetgidobanusPtarnocoovt-ilspiimaornitty,etdwhetiothteaurlmlsp(soe"rrsyfooilnues"soaorrCe"lnyatoiimtuierwss"citoshhnoatrlralacmgtuaeaianlnlsytauollsb)plieignrasctoeondnsnuoenrcdteeinortnitthwiiesistAhapgaprCereolamviemednatb.syseurstetod Significance of Arbitration. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOORRTOWEENWGIALGLEHIANVDEISTCHOEVREIRGYHTEXTCOELPITTIAGSAPTREOTVHIDAETDCFLOARIMININTHCEOUCROTDEOROFHPARVOECAEDJUURRYESTORIFATLHOENJATMHSA,TOCRLAAAIMA,, ARSBAUEISVNPBADRJAIEILEPNCASPGTEBL.NITLCNTOEAOAIABTNTRLEIVAEBTREIHTB(CRTAIATHATRPETOAAIOTCT"NHCIIOT.EOYNERDX.OERC"RIE)G.PAHTFSTUASARSTTMSHHEEAETMTRFB,YOEORYRTUOHOUWFBOEWAULNIOLLYDLWC,HNLTAAOHVSTEESAIHORFAFBYVICTOELRUAATIWTMHOEEARNN'TRSTISTDGOEPHECTCRIOSTTIUAOORINNTWPIANAILGLRSLTTOIBOCMEIAPAFANIYNTYEANCLOLITNAANBIMADE Restrictions on Arbitration. If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. TpuhreproerstehdallrebperensoenritgahtitvoercaauptahcoirtiytyofnorbaenhyalCf loafimthsetogbeneearrablitprautbeldico, notahcelrasasccaocutinotnhobladseirssoorronotbhaesrespeinrsvoonlsvisnigmCillaarilmy ssibtruoautegdh.t Tinhae aiisnrblaiimrtbraiittteroadrt'itsoonayuwothuiotharniCtdyluatoismarselosbnorelov.ueFguChrtltahbieymrmosriosargeli,amCiniltsaetidmsotsombCeroolanuiegmhostthbbeeyrtwythoeauennaygyoaoiuun,sautnnudlseusossr oabltyohenuresw,aaigsnaedinatgshtreeyeaodrubtimotraainytownr'orsittabinuegthjoboiyrniteaydlltoopramcrtoaienksse.oaliwdaatredds Initiation of Arbitration Proceeding/Selection of Administrator. Any Claim shall be resolved, upon the election by you or us, by aCSserelblareivitcmritcaioetiissnonr(be"ypfJeAuurrsMrseoudSfa"noin)tn, eteooforftfehtchtihtseeaAsAtertmbhoieretgrrtiaaictnmaiionzenaAtthPiorerbnoCisvtriliasasitioimuonnnaiascAncfdesilspetothdace.bialCcetioloatdoniemy(oso"fuAs,phAyraoAollcu"eb)sde,huaarreslelfsesheroarlfveeecdthttetehodenebraiiyttgihohetnhtraewtlhipateahrrbiJtnuiytdrthaiectilriieoatcynlti(Ano3grr0gb)taiotdnraaiuzytisasoetniaoafntarebnrtidotyrMaowtuiheordineci.chaetIiitfovhneae ntLoootfsiicleAe anogfCeolluaerism,elCeocrAtfioo9nr2ot6ot1hs4ee;rleiwncfetobersimtihteaetriaootnfwtahwbeowout.thjatehmreossaregdoar.rncgiozamanti;izoa(ntiiiso)lniAsst,AecdAotnotaastcet3rv3the5eamMs aaarsdbifistoorlanltoowArsav:de(mni)uienJ,AisNMtraeStwoart.YF1o9or2rk0a, cMNoYapiyn1oS0f0ttr1he7ee;tp,wrSouecbietsediut3er0e0ast,, . gAbinoyrcvboteihntrresnaietsaidtopebnnpytlPiwctrhaoiebtchlFeedethudCereoerasdap.lep,ATlihercbixasicbterAlaperttbiCoitonthrdaaAetti.co(tTtn,oh9PetUhraoe.rSvb.ieiCsxtir.otaeSntnoetircstesihnmoafnaolsldr1cae-ep1pap6bul,ylreasausupainptndmltiectaroaybtablheeetrsaaFumnbAsesaAntacd)nteitotdihvn(iestihnlAeavw"orbFlvciAtoirnAnagts"iio)si.nnteTtenPhrtreswotaavirttiebshiictotrohnametisoFmhnAaeslArlhcaecal,onlnadbnteradogplosphvilfiaeclrailntbeblidees sbFtreaidetueftrewaslroiotfrtelaninmyeixtsapttaliaotennasrtuiaolnends oosfhfatchlilevhibloanpsoriorsccfelodariumrtheseoordferpucrilisevisiolenog.feIenvreicdcoeonngdcnueiz.cetEidnitgahtetlhraewpaarartbnyidtm,raaattiyothnseupbtrimmocieteleaydrrieenqqguu,eetsshttetooafrtebhiitethraeatrrobpriatrsrahtytao,lrlshtnoaoletlxapppraopnvlydidttehheae swchoopemoafydsisucbomvietryobajlelcotwioanbsletounthdeeratrhbeitraaptpolricwaibtlheaCcoodpey. Tohfethpearotbyjesuctbimonisttipnrgovsuidcehdatoretqhueersetqmuuesstt ppraortvyi,dewaithcionpyfifttoeethne(o1t5h)edrapyasrtoyf, rnsetoectpeifsiyvtiotnhgeprtpheaseretrrieveqesuotehfsethiinpsgr/hivpeaarcrdtyye'cosifsniioontndiciwvei.idtThuhianelstg,wraaennndttiyno(gf2ob0ru)sddieannyeissasol mfoftahsteutecorhbs.jreeJcuqtduingegsmtpewanrittlylu'bpseosniunbtthmheeisasswoiolaenr.ddTisrhecenredateirorbenidtroabftyothrteshhaearabllritbtraiatkrteoartroewrahsmooansyahbablleel ebw(3nyh0teit)chrdheeadFsyhiAsnafAlarlon.cmyHonoctswohiuederevdtreahrata,envaeoinwnfygeapnjnautryrrytiysaodscfpiactenthcieotanpwo.pfrTeittahhtleeetnhianaaribrttbiiataiwrtlaraaatortwidro'antsroddaaewoctbahijsrrediecoettne-oadwnrbtoiolitltirfbbayyetottfhrhienpeaaaalnrpbaepinlterdaaadlbtmiiinonignndiiopnsratgger,taryeen.dxizTcbaehytpieotthanfepotprhseaaaamtnliyietnrigasirgbpehiaxttrertoaryctfiisoashnpinapolgelratghhlaaepnvrireozigavthhtiiditoreotnydf, athpepneanlo.tTifhyethaeppoethael rshpaalrltybethfaitlethdewaiwthartdhehaasrbbietreantioapnpoeragleadn.izTahtieonaribnittrhaetiofnoromrgoafniazadtaiotendwwilrlitainpgp.oTinhteaathrbreitera-atirobnitroartgoarnpiaznateilownhwicilhl wapiplleclloanndt'uscwt arintteanrbnitoratitcieo.nTphuersdueacnistitooniotsf Cthoedpeaannedl sihssaullebietsbdyemciasjioornitwyivthoitne aonnde shhuanldl rbeedfiannadl atwndenbtiynd(1in2g0.) days of the date of the LproimcaatiroynreosfiAdernbciter.aAtiotnth/PeacyomnecnlutsoifonFeoefst.hAenayrbairtrbaittrioatnio(norhaenayrianpgptehaalttyhoeureaotft)e,ntdheshaarbllittraakteorp(laocrepainnethl)ewfeildledreaclijduediwcihaol dwisiltlriuclttiomfaytoeulyr bexeterenstpyoonusiibnlceufrofrilpinagy,inagdmthienifsitlriantgiv, eadamndi/noirsthraetairvienganfede/osrinheaarbriintrgatfieoens, iinnccloundninegctfioornawnyithapthpeeaal,rbeixtrcaeteiodnin(gotrhaepapmeaolu).nItfthaenydwtoouthlde hjwuairvtihsedobiucetteiaonnnyifosvtuhebersttChanelatCiimallajihumasd,tiwfbieceaewtniiolblnrr.oeuimghbtuirnsethyeousttaotethoart efexdteenratlucnoleusrst twhehiacrhbiitsractloors(eosrt ptoanyeol)urdebtielrlimnginaesddthreaststhaenfdeewsowuledrehianvceurhraedd Continuation. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This AshrabliltrsautrivoinvePrtoevrmisiinoantiiosnbionfdyinoguruCpoanrdanasdwbeenlleafistsvuoslu, notuarrysupcacyemsseonrst oanfdanayssdigenbst,inanfdulrleblayteydotuh,iardnypalertgieasl.pTrohciseeAdribnigtrbatyiounsPtorocvoilslieocnt aunddeebrt oanwyedprbiyncyiopule, aonrdparnovyibsiaonnkroufpltacwy boyryeoquuiotry,usc.oInfsaisntyenptowrtiiothn tohfethFiAs AAr,biittrsahtiaollnnPortovinisviaolnidiastdeetehme erdeminavianliindgoprournteionnfosrocfeatbhlies AofrbsuitcrhatiinovnaPlirdoivtyis.ion, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless This Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to license by Visa U.S.A., Inc. Copyright Central Bank of Kansas City 2019. This Agreement is effective as of 5/1/2019. CS1584CBKC

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