Self Visa® Credit Card Application

Pricing Schedule

This Pricing Schedule is part of the Cardmember Agreement and Security Agreement.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

29.24%
This APR will vary with the market based on the Prime Rate

APR for Balance Transfers Not Applicable.

APR for Cash Advances Not Applicable.

Penalty APR and When it Applies None.

Your due date is at least 25 days after the close of each billing period (at
least 23 days for billing periods that begin in February). We will not charge
How to Avoid Paying Interest on Purchases
you any interest on purchases if you pay your entire balance by the due
date each month.

To learn more about factors to consider when applying for or using a

For Credit Card Tips from the Consumer
credit card, visit the website of the Consumer Financial Protection
Financial Protection Bureau
Bureau at https://www.consumerfinance.gov/learnmore.

Fees

$25.00
NOTICE: The annual fee will be assessed before you begin using your
Annual Fee card and will reduce the amount of credit you initially have available. For
example, if you are assigned the minimum credit limit of $100, your initial
available credit will be only about $75.

Late Payment Up to $15

Returned Payment Up to $15

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

Variable Rate Information: The APR for Purchases is determined by adding 20.74% to the Prime Rate. The Prime Rate is the
highest U.S. Prime Rate published in The Wall Street Journal Money Rates table on the last business day of each month. The
Prime Rate was 8.5% as of August 1, 2023. The Prime Rate is subject to change.

CARDMEMBER AGREEMENT AND SECURITY AGREEMENT:

For additional information about the costs and terms of your Self Visa Credit Card Account ("Account"), see your Cardmember
Agreement and Security Agreement. The Cardmember Agreement and Security Agreement and your Account will be governed by
Missouri and applicable federal law. The Cardmember Agreement and Security Agreement permits us to change the terms of your
Account, including the rates, fees and other credit terms, subject to us providing advance notice to you if required by law.
 Self Visa® Credit Card Application

APPLICATION INFORMATION:

Federal law requires that we obtain certain information about you such as your date of birth and street address in order to verify
your identity. You authorize us to receive and exchange information about you, including from your employer, your bank, credit
bureaus and others for purposes of verifying your identity and the information on this application and determining your eligibility
for credit, renewal of credit, and future extensions of credit. By providing your phone numbers, you agree that Lead Bank, Self
Financial, and their its affiliates and agents, may call you at these numbers. If this is a cell phone number you agree that we may
contact you using an automatic dialer, including pre-recorded messages and/or text messages, even if your cell phone provider
may charge you for calls according to your current plan. Upon your request, we will inform you of the name and address of each
consumer reporting agency from which we obtained a consumer report relating to you. Offer only available to U.S. residents 18
and older. Every applicant, regardless of marital status, can apply for a separate account. THIS OFFER SUPERSEDES ALL PRIOR
OFFERS. Terms of this offer, including fees and calculations of variable rates, are accurate as of the date listed on the Pricing
Schedule, and may change after that date. To find out what may have changed after that date, write to us at Lead Bank c/o Self
Financial, 901 E 6th St Suite 400, Austin, TX 78702 or contact us at www.self.inc/contact. Please allow 30 days for us to process
your application.

STATE DISCLOSURES:

(1) MARRIED WISCONSIN RESIDENTS: You agree that no provision of any marital property agreement, unilateral statement
under the Wisconsin Marital Property Law or court decree will adversely affect our interests unless, prior to the time credit is
granted, we are given a copy of the agreement, statement, or decree or we have actual knowledge of the adverse provision. (2)
CALIFORNIA RESIDENTS: An applicant, if married, may apply for a separate account. Applicants: (1) may, after credit approval,
use the credit card account up to its credit limit; (2) may be liable for amounts extended under the plan to any joint applicant. 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. (3) OHIO RESIDENTS: The Ohio laws against
discrimination require 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. (4) NEW YORK RESIDENTS: New York residents may contact the New York State Department of
Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods.
NY State Dept of Financial Services: 1-800-342-3736 or visiting https://www.dfs.ny.gov/consumers/banking_money (5) NEW
YORK AND VERMONT RESIDENTS: We may obtain your credit reports, for any legitimate purpose associated with the account or
the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your
account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the
consumer reporting agency furnishing the report. If you are a Vermont resident, you consent to the obtaining of such reports by
signing or otherwise submitting a credit application. (6) DELAWARE AND OREGON RESIDENTS: Service charges not in excess
of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum
payment due, up to your entire outstanding balance, at any time. (7) UTAH RESIDENTS: As required by Utah 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.

ELIGIBILITY:

In order to be eligible for the Self Visa Credit Card, you either previously must have had, or you currently have, a CD-secured
installment loan in good standing with Self Financial. You must be able to make electronic payments using either a U.S. bank
account or debit card. You must be able to receive electronic statements through the website, www.self.inc, or mobile app. You
must be able to submit the card application through the website, www.self.inc, or mobile app.
 Self Visa® Credit Card Application

SECURED ACCOUNT; PROVISION OF SECURITY DEPOSIT:

The Account associated with the Self Visa Credit Card is a secured credit card account. In consideration of the creation of the
Account and the issuance of the card, you agree to provide a security deposit, in accordance with the terms of the Security
Agreement, as set forth below.

APPLICATION AGREEMENT:

By signing and/or submitting this application for the Self Visa Credit Card issued by Lead Bank, you agree that:

1. All information provided in this application is true, correct, and complete and that you have the legal capacity to enter into
this contract.
2. Lead Bank is authorized to verify or check any of the information given and to obtain credit reports on you. You authorize
Lead Bank to obtain information from others to investigate your credit, employment and income history and state records
including state employment security agency records and to report information regarding your Account to consumer
reporting agencies.
3. Your Self Visa Credit Card will be secured by a Security Deposit Account, but may initially be secured by a certificate of
deposit. You agree to be bound by the terms and conditions of the Security Agreement, as set forth below.
4. Lead Bank will open the Security Deposit Account in your name. The Security Deposit Account does not earn interest. We
may change these terms at any time by adding new terms or deleting or amending current terms. The amount deposited by
you (subject to any minimum requirement) in the new Security Deposit Account will be used as collateral to secure the
obligations to Lead Bank that you incur from time to time in connection with your Account. If you currently have a Credit
Builder Account, your Account will initially be secured by the certificate of deposit that also secures your Credit Builder
Account. Your Self Visa Credit Card Account and the security deposit is subject to the terms of the Cardmember Agreement
and Security Agreement.

Security Agreement

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

1. Security; Security Deposit Account

In consideration of and as a condition to our opening the Account for you and for other good and valuable consideration, you are
providing or otherwise arranging for certain of your funds ("Funds") to serve as security for your Account. You authorize us to open
a deposit account at Bank in your name and under our exclusive control (the "Security Deposit Account"), which will serve as
security for your Account. You grant us a security interest in the Security Deposit Account, which will include any and all future
additions to 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 in the Security Deposit Account is the amount of your Account credit line, but will not be
less than $100. 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 the Security Deposit Account at Bank 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.

a. If you have a Credit Builder Account. If you currently have a Credit Builder Account (managed by Self Financial) with Lead
Bank or another bank, then (1) you agree that the certificate of deposit (“CD”) that has been established in connection with your
Credit Builder Account constitutes Funds that serve as security for your Account; (2) you grant us a security interest in the CD; and
(3) you agree that Lead Bank has the sole and absolute right and authority to direct the disposition of the Funds held in the CD
without your consent or agreement (subject to any prior lien of the bank holding the CD), and that you authorize and direct the
financial institution with which you have established a Credit Builder Account to comply with such direction. Upon closure, default,
or full repayment of your Credit Builder Account, you authorize and direct us to, on your behalf, cause the transfer from the CD to
 Self Visa® Credit Card Application

the Security Deposit Account, of an amount equal to your credit limit (at the time of the transfer) for your Account (or the full amount
of the funds remaining from your CD, if less than your credit limit) and you authorize and direct the financial institution holding the
CD to comply with such direction. Once Funds have been transferred from the CD to your Security Deposit Account, those Funds
will continue to serve as security for your Account. We may choose, in our discretion, not to perfect our security interest in a CD
held at another bank.

b. If you do not have a Credit Builder Account. If you currently do not have a Credit Builder Account, then you agree to transfer
Funds from another funding source owned by you (such as a deposit account or prepaid card) to the Security Deposit Account to
serve as security for your Account. Your Account will not be opened until your Security Deposit Account has been funded.

2. Withdrawals

You will not be permitted to make withdrawals from the Security Deposit Account (See Section 9 below for terms and conditions
regarding return of the Funds and closure of your Account.) We will have the right to withdraw your funds from the Security Deposit
Account as permitted under Sections 8 and 9 below.

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 1-877-883-0999
or write us at Lead Bank c/o Self Financial, 901 E 6th St Suite 400, Austin, TX 78702 as 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 our investigation.

6. Pledge and Grant of Security Interest

You understand that granting us a security interest in the Security Deposit Account (or the CD, to the extent that funds in the CD
constitute the Funds that serve as security for your Account) is a necessary condition for opening your Account. Your Account will
not be opened until you have either provided us a security interest in the CD or funded the Security Deposit 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, the CD (if any), and any and all
 Self Visa® Credit Card Application

Funds, including all proceeds of and additions to the Security Deposit Account, the CD, 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, the CD (if any), 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, the CD, 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 held at the Bank for FDIC insurance purposes.

7. Interest on Funds

No interest will be paid on the Funds. If we do pay interest on Funds in the Security Deposit Account 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 or the CD 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 Account. 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.

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.
 Self Visa® Credit Card Application

12. Miscellaneous

This Security Agreement and our security interest and rights as pledge hereunder are governed by Missouri 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 is part of the Cardmember
Agreement. The other terms of the Cardmember Agreement apply to this Security Agreement, and any 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.