Important Disclosures for Boost Your Score Installment Loan

Obtaining Credit Information: By applying for the Boost Your Score Installment Loan, you authorize us to make or have made any credit, employment, or other investigative inquiries we deemed appropriate (including, without limit, obtaining a consumer report) prior to extending credit to you. You also authorize us to make such inquiries and obtain consumer reports at any time that you owe us money under this loan or any other loan agreement. Upon your request, we will tell you whether we obtained a consumer report and the names and addresses of any consumer-reporting agencies that provided such reports.

Our Communications With You: You agree that we (and our affiliates, agents, and contractors contacting you on our behalf) may monitor or record any calls between you and us for quality control or other business purposes. If we need to contact you to service your Boost Your Score Installment Loan or to collect amounts you owe to us, you expressly consent and agree that we (and our affiliates, agents, and contractors contacting you on our behalf) may contact you by written, electronic, and verbal means, except as otherwise provided by applicable law. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails, and automatic telephone dialing systems. We may contact you on a mobile, wireless, or similar device, even if you are charged for it by your provider.

Important Disclosures for Boost Your Score Secured Credit Card

Rates and Fees Table – Boost Your Score Secured Credit Card

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”

Maximum Credit Limit: After 12 months, the credit limit on the Boost Your Score Secured Credit Card account will equal the amount of the Boost Your Score Installment Loan if you have made all the installment loan payments.

Foreign Currency Transactions. You can use your Card for purchases at U.S. Merchants only. You may use your Card at U.S. Merchants even when you are outside the United States, such as for online transactions. You may not use your Card at non-U.S. Merchants. If you use your Card to make a Purchase at a U.S. Merchant in a currency other than U.S. dollars (“Foreign Currency Transaction”), the merchant, network, or card association that processes the transaction may convert any related debit or credit into U.S. dollars in accordance with its then-current policies. We will impose a Foreign Currency Transaction Fee equal to 3% of each Foreign Currency Transaction after conversion to U.S. Dollars.

Balance Transfers and Cash Advances: You may not obtain balance transfers or cash advances from your Card Account or with your Card.

Obtaining Credit Information: By applying for the Boost Your Score Secured Credit Card, you authorize us to make or have made any credit, employment, or other investigative inquiries we deemed appropriate (including, without limit, obtaining a consumer report) prior to extending credit to you. You also authorized us to make such inquiries and obtain consumer reports when renewing, updating, or collecting on your Boost Your Score Secured Credit Card account in the future. Upon your request, we will tell you whether we obtained a consumer report and the names and addresses of any consumer-reporting agencies that provided such reports.

Our Communications With You: You agree that we (and our affiliates, agents, and contractors contacting you on our behalf) may monitor or record any calls between you and us for quality control or other business purposes. If we need to contact you to service your Boost Your Score Secured Credit Card account or to collect amounts you owe to us, you expressly consent and agree that we (and our affiliates, agents, and contractors contacting you on our behalf) may contact you by written, electronic, and verbal means, except as otherwise provided by applicable law. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails, and automatic telephone dialing systems. We may contact you on a mobile, wireless, or similar device, even if you are charged for it by your provider.

State Disclosures:

All Boost Your Score Secured Credit Card 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.

California Residents: An applicant, if married, may apply for a separate Boost Your Score Secured Credit Card account.

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.

New York and Vermont Residents: We may obtain at any time your credit reports, for any legitimate purpose associated with the Boost Your Score Secured Credit Card 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. 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. New York State Department of Financial Services – (800) 342-3736 or https://www.dfs.ny.gov/.

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 the law.

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.