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 * Reports to all three credit bureaus
 * Mastercard is accepted at 40 million locations online, in app and in store

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Total Monthly Income
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OPTIONAL SERVICES (SELECTION REQUIRED)


OVERLIMIT COVERAGE

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Overlimit refers to any time you exceed the credit limit on your credit card
account. If you would like to allow overlimit charges on your account, you must
opt-in for the Overlimit Coverage described here.

If you have not opted in and attempt to make a charge that would exceed your
credit limit, your card will be declined.

Unless you tell us otherwise, we will decline any transaction that causes you to
go over your credit limit. If you want us to authorize these transactions, you
can enroll in Overlimit Coverage.

If you are enrolled in Overlimit Coverage and you go over your credit limit, we
will charge you a fee up to $41. We may also charge you two additional Overlimit
Fees if your New Balance remains over your Credit Limit as of the Payment Due
Date in future Billing Cycles. You will only pay one fee per billing cycle, even
if you go over your credit limit multiple times in the same cycle.

Even if you request Overlimit Coverage, in some cases, we may still decline a
transaction that would cause you to go over your credit limit, such as if you
have not yet established a payment history, are past due, or significantly over
your credit limit.

If you would like to enroll in Overlimit Coverage and to allow us to authorize
transactions that go over your credit limit, please click the “Accept” button
below.


By selecting "Accept", you confirm that you understand that if you go over your
credit limit you will be charged a fee of up to $41. You also understand that
you may cancel Overlimit Coverage at any time.
Decline
Accept


CREDIT PROTECTION

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Credit Protection is an optional program that offers benefits for unforeseen
events such as involuntary termination from employment, disability, loss of life
and more.

This is an optional program. Whether or not you choose to enroll will not affect
your application for credit or your credit terms.


IMPORTANT COST AND CANCELLATION DETAILS ABOUT CREDIT PROTECTION:

 * The monthly fee is $1.49 per $100, or part thereof, of the ending balance on
   your billing statement.
 * The monthly fee will be charged each month to your Indigo Mastercard Account.
 * You may cancel at any time. If you are not satisfied and you cancel within
   the first 30 days of enrollment, any monthly fees charged to your account
   will be credited.


BENEFITS FOR THE FOLLOWING EVENTS:

 * Involuntary Termination from Employment
 * Disability and Permanent Disability
 * Loss of Life
 * Hospitalization
 * Natural Disaster
 * Auto Service of Qualifying Amount

There are eligibility requirements, conditions, and exclusions that could
prevent you from receiving these benefits. You may not qualify for some
benefits. For example, if you are retired, you will not be eligible for
involuntary unemployment benefits.


TO ENROLL, VIEW AND CAREFULLY READ THE BELOW CREDIT PROTECTION TERMS AND
CONDITIONS.

INDIGO®

CREDIT PROTECTION

TERMS AND CONDITIONS ADDENDUM

Please read these terms and conditions carefully.

They explain provisions, limitations and procedures applicable to Indigo Credit
Protection.

Indigo Credit Protection is an optional addendum to your Cardholder Agreement
(the “Cardholder Agreement”). In consideration of a monthly fee of $1.49 per
$100 of your Monthly Statement Balance on your monthly Statement and in
accordance with these Terms and Conditions Addendum, the Monthly Minimum Payment
or the Monthly Statement Balance on a Protected Account may be canceled if you
experience an Eligible Event. Whether or not you purchase Indigo Credit
Protection will not affect your application for credit or the terms of any
existing credit agreement you have with Celtic Bank.

Capitalized terms not defined in this Indigo Credit Protection Terms and
Conditions Addendum (“Terms and Conditions”) refer to defined terms in your
Cardholder Agreement and are incorporated herein. Additionally, as used in these
Terms and Conditions, “you” and “your” mean the Cardholder, and “we,” “us,” and
“our” refer to defined terms in your Cardholder Agreement.

 1. DEFINITIONS
    
    Account in Good Standing means a Protected Account that is either not past
    due or is less than ninety-one (91) days past due.
    
    Benefit(s) means the cancellation of the Monthly Statement Balance or
    Monthly Minimum Payment(s) on a Protected Account, for a specific Eligible
    Event, as applicable, in accordance with these Terms and Conditions.
    
    Benefit Form means a document that the Plan Administrator will send to you,
    upon your request, which you must complete and return to the Plan
    Administrator to verify an Eligible Event and process a Benefit.
    
    Eligible Event means Involuntary Unemployment, Disability, Total & Permanent
    Disability, Loss of Life, Hospitalization, Natural Disaster or Auto Service,
    as defined below.
    
    a. Involuntary Unemployment means you suffer a loss of income as a result of
       an involuntary loss of Permanent Employment due to lay-off, employer
       termination, generalized strike, or unionized labor dispute or lockout.
       To qualify, for Involuntary Unemployment Benefits, you must have been
       engaged in Permanent Employment for thirty (30) consecutive days
       immediately preceding the Event Date and involuntarily unemployed for at
       least thirty (30) consecutive days. Unemployment events that occur within
       the first 30 days from the Enrollment Date are not eligible for Benefits.
       
       * Eligible Benefit Amount: In the event of your Involuntary Unemployment
         from Permanent Employment, we may cancel your minimum payment due for
         up to 6 billing periods. You are only eligible for one (1) Monthly
         Minimum Payment Benefit per billing period. If your account is eligible
         for 6 consecutive Monthly Minimum Payment benefits for an Eligible
         Event, we will cancel the Monthly Statement Balance for the Statement
         immediately prior to your 6th Monthly Minimum Payment benefit approval
         date.
       
       * Unemployment Event of 6 months or more at initial approval: In cases
         where you have been experiencing an unemployment event for 6
         consecutive months or more at the time of Benefit approval, then we
         will cancel the Total New Balance for the Statement immediately prior
         to your Benefit approval date.
       
       * Eligibility Date: The Eligibility Date is the date that is thirty (30)
         days after your Permanent Employment was involuntarily terminated.
       
       * Event Date: The Event Date is the date you were involuntarily
         terminated from employment.
    
    b. Disability means you become unable to perform the major duties of your
       occupation or are unable to pursue your normal daily activities, due to a
       physical or mental impairment that is not self-inflicted for at least
       thirty (30) consecutive days as verified by your licensed health care
       provider, who provided you continuous care.
       
       * Eligible Benefit Amount: In the event of your Disability, we may cancel
         your Monthly Minimum Payment for up to 6 billing periods. You are only
         eligible for one (1) Monthly Minimum Payment Benefit per billing
         period. If your account is eligible for 6 consecutive Monthly Minimum
         Payment benefits for an Eligible Event, we will cancel the Monthly
         Statement Balance for the Statement immediately prior to your 6th
         Monthly Minimum Payment benefit approval date.
       
       * Disability Event of 6 months or more at initial approval: In cases
         where you have been experiencing a disability event for six (6)
         consecutive months or more at the time of Benefit adjudication, then we
         will cancel the Monthly Statement Balance for the Statement immediately
         prior to your Benefit approval date.
       
       * Eligibility Date: The Eligibility Date is the date that is thirty (30)
         days after you became disabled, as verified by your licensed health
         care provider.
       
       * Event Date: The Event Date is the date on which you first became unable
         to perform the major duties of your occupation or if not working, the
         date on which you first became unable to perform your normal daily
         activities, due to a physical or mental impairment that is not
         self-inflicted, as verified by your licensed health care provider.
    
    c. Total & Permanent Disability means you become unable to perform the major
       duties of your occupation or are unable to pursue your normal daily
       activities, due to a physical or mental impairment that is not
       self-inflicted as verified by your licensed health care provider, who
       provided you continuous care and who has confirmed that your disability
       is total and permanent. You will only be eligible for one (1) Total &
       Permanent Disability Benefit under these Terms and Conditions.
       
       * Eligible Benefit Amount: In the event of your Total & Permanent
         Disability, we will cancel your Monthly Statement Balance for the
         Statement immediately prior to the Benefit approval.
       
       * Eligibility & Event Dates: The Eligibility & Event Dates are the same -
         the date that you became totally and permanently disabled, as verified
         by your licensed health care provider.
    
    d. Loss of Life means the loss of life of the Primary Cardholder.
       
       * Eligible Benefit Amount: In the event of Loss of Life, the balance
         immediately following your date of death will be cancelled.
       
       * Eligibility & Event Dates: The Eligibility & Event Dates are the same -
         the date of your death, provided on the death certificate.
    
    e. Hospitalization means you are admitted to a hospital and stay overnight
       for at least one (1) night. A “hospital” means any licensed medical
       hospital, acute care facility, convalescent nursing facility, residential
       drug facility, psychiatric facility, hospice facility, or licensed
       nursing home.
       
       * Eligible Benefit Amount: In the event of Hospitalization, we will
         cancel your Monthly Minimum Payment (excluding any past due payment
         amounts) for 1 billing period. You are eligible for only one (1)
         Hospitalization Benefit per calendar year.
       
       * Eligibility Date: The Eligibility Date is the day after your first
         night of hospitalization.
       
       * Event Date: The Event Date is the date on which you are first admitted
         to a hospital.
    
    f. Natural Disaster means your residence is located in a county or zip code
       that has been declared a disaster area by the Federal Emergency
       Management Agency (FEMA).
       
       * Eligible Benefit Amount: In the event of a Natural Disaster, we will
         cancel your Monthly Minimum Payment due for 3 Billing Cycles. You are
         only eligible for one (1) Monthly Minimum Payment Benefit per Billing
         Cycle.
       
       * Eligibility & Event Dates: The Eligibility & Event Dates are the same -
         the date the FEMA-declared natural disaster occurred.
    
    g. Auto Service means you have auto service/parts expenses totaling $250 or
       greater.
       
       * Eligible Benefit Amount: In the event of Auto Service, we will cancel
         your Monthly Minimum Payment due (excluding any past due payment
         amounts) for one (1) Billing Cycle. The Benefit does not reimburse you
         for the actual auto expenses. The Benefit payment will not be for the
         total of the expense provided by you. You are eligible for only one (1)
         Auto Service benefit per calendar year.
       
       * Eligibility & Event Dates: The Eligibility & Event Dates are the same -
         the date of the service repair/parts purchased provided on a detailed
         receipt. The auto service/parts purchased must have occurred while
         enrolled in Credit Protection. If repairs take longer than 1 day, then
         the Event date will be initial date of the repair work.
    
    Enrollment Date means the date of your enrollment in Credit Protection.
    
    Involuntary Termination means unemployment resulting from lay-off, employer
    termination, generalized strike, unionized labor dispute or lockout.
    
    Monthly Statement Balance means the ending balance of the Protected Account
    on your monthly Statement—in other words, your Total New Balance, as
    described on your Statement.
    
    Permanent Employment means thirty (30) hours or more per week of paid
    permanent employment.
    
    Plan Administrator provides customer assistance for the Credit Protection
    program and can be contacted for inquiries regarding the program by calling
    toll free 1-800-693-9571 , 8:00 am to 8:00 pm Eastern Time, Monday through
    Friday (excluding holidays).
    
    Cardholder means the Cardholder who is primarily responsible for the payment
    obligations on the Protected Account. Only the Cardholder is eligible for
    Benefits under these Terms and Conditions, and the Cardholder must
    experience the Eligible Event.
    
    Protected Account means an Account under the Cardholder Agreement for which
    these Terms and Conditions are in effect.

 2.  Additional Eligibility Requirements
     
     Subject to the Terms and Conditions, the Cardholder is eligible for each
     Benefit type listed below. Benefits will not be provided due to an
     Authorized User experiencing an Eligible Event. In addition to all other
     requirements in these Terms and Conditions, you must also meet the
     requirements for each specific Benefit below in order to qualify for a
     Benefit:
     
     * Your Protected Account must be in Good Standing as of the Event Date.
     * You must notify the Plan Administrator of the Eligible Event within
       twelve (12) months from the Eligibility Date.
     * You must be enrolled in Credit Protection at the time of the Eligible
       Event for which you are seeking a Benefit.
     * You must be a resident of the United States.
     
     INVOLUNTARY UNEMPLOYMENT
     
     * For each Benefit, you must experience involuntary unemployment for at
       least 30 consecutive days from the Event Date, including the Event Date.
     * You are not eligible for a Benefit for loss of employment due to
       voluntary forfeiture of the employment, salary, wages, or employment
       income, resignation, retirement, termination of seasonal or temporary
       employment, scheduled termination or expiration of an employee contract,
       or willful or criminal misconduct.
     * If you are self-employed, you must be eligible for state unemployment
       benefits.
     * To be eligible for another Benefit for Involuntary Unemployment, you must
       regain Permanent Employment for at least thirty (30) consecutive days
       before you will be considered eligible for another Involuntary
       Unemployment Benefit.
     
     DISABILITY
     
     * For each Benefit, you must have a Disability for at least thirty (30)
       consecutive days from the Event Date, including the Event Date.
     * Once you have been approved for a Disability Benefit, you will not be
       eligible for another Disability Benefit for twelve (12) months due to
       another Disability with a similar physical or mental impairment. The
       twelve-month period starts from the Event Date of the previously approved
       Disability Benefit.
     
     TOTAL & PERMANENT DISABILITY
     
     * If you have received a Benefit for a Total & Permanent Disability event,
       you will not be eligible for any additional Disability or Total &
       Permanent Disability Benefits under these Terms and Conditions.
     
     LOSS OF LIFE
     
     * We must receive a copy of a death certificate for the Primary Cardholder.
     
     HOSPITALIZATION
     
     * You are eligible for only one (1) Hospitalization Benefit per calendar
       year.
     
     NATURAL DISASTER
     
     * We may require you to complete and return the forms required by us.
     
     AUTO SERVICE
     
     * We may require you to complete and return the Benefit Form required by us
       for proof of services/parts purchased; and
     * You do not have to use your Card to pay for the auto service to qualify.
     * You are eligible for only one (1) Benefit for each calendar year.

 3.  REQUIRED DOCUMENTATION
     
     In addition to a completed Benefit Form, you must provide the Plan
     Administrator additional documentation so that we can evaluate your
     eligibility for a Benefit.
     
     a. Involuntary Unemployment: You must provide proof that you qualify for
        state unemployment benefits by providing a copy of your state
        unemployment benefit check stub or benefit statement and by having the
        employer’s statement completed on your Benefit Form. In the event of a
        strike, labor dispute or lockout, a union representative or designated
        individual must sign a form specifying the situation causing the
        involuntary unemployment. If you do not qualify for state unemployment
        benefits because benefits were exhausted by a past period of
        unemployment; or if the employer was a nonprofit organization not
        required to withhold taxes; or if you did not earn enough in the period
        during which state or federal benefits are based, you must provide a
        copy of the denial letter from the state unemployment office.
     
     b. Disability / Total & Permanent Disability: The licensed health care
        provider who is providing you with continuous care must verify the
        Disability in writing. You must provide your licensed health care
        provider’s written verification.
     
     c. Loss of Life: A death certificate for the Cardholder must be provided.
     
     d. Hospitalization: A copy of documentation that verifies your hospital
        stay with admission and discharge dates must be provided.
     
     e. Natural Disaster: You must provide proof that your residence is located
        in a county or zip code declared a disaster by FEMA.
     
     f. Auto Service: You must provide a copy of a detailed receipt for auto
        service and/or auto parts that total $250 or greater in a single visit.

 4.  BENEFIT AMOUNT AND APPLICATION OF BENEFITS TO PROTECTED ACCOUNT
     
     a. If the Plan Administrator verifies your Eligible Event and determines
        that you have met all of the requirements for a Benefit, your Protected
        Account will be credited for the applicable Benefit amount as described
        under Definitions / Eligible Event / Eligible Benefit Amount.
     
     b. Your Protected Account will be credited in the amount of the Eligible
        Benefit Amount even if the Eligible Benefit Amount exceeds the account
        balance owed on your Protected Account at the time the credit is applied
        and results in a credit balance. You will not be reimbursed directly.
        Should you have a credit balance on your account, you may contact the
        number on the back of your Card to request a refund check.
     
     c. You must continue to make the Monthly Minimum Payment Due in accordance
        with your Cardholder Agreement while your Benefit request is being
        processed.

 5.  HOW TO REQUEST A BENEFIT
     
     a. To request a Benefit, you must notify the Plan Administrator by calling
        toll-free 1-800-693-9571 , 8:00 a.m. to 8:00 p.m. Eastern Time, Monday
        through Friday (excluding holidays) or visit us online at
        www.myindigocard.com anytime.
     
     b. The Benefit Form will be sent to you via U.S. Mail. You must complete
        the Benefit Form and mail it along with the required documentation to
        the following address: Indigo Credit Protection, Plan Administrator,
        P.O. Box 740237, Atlanta, GA 30374-0237. If you have any questions, you
        may contact the Plan Administrator by calling the toll-free number noted
        above. We may deny or close a Benefit at any time if: (i) you provide
        false information on the Benefit Form; (ii) you fail to send in the
        Benefit Form; (iii) the Benefit Form is incomplete and you fail to
        provide the missing information we request within the time period we
        give you to provide it; or (iv) you do not qualify for the Benefit, in
        accordance with these Terms and Conditions.
     
     c. You agree to request Benefits in good faith and to provide accurate and
        complete information when requesting a Benefit. You agree not to misuse
        your Protected Account in connection with obtaining or requesting
        Benefits.

 6.  MULTIPLE ELIGIBLE EVENTS
     
     a. If more than one Eligible Event occurs within the same Billing Cycle,
        you will only be eligible to receive Benefits for one (1) of the events.
        The Eligible Event providing the largest Benefit to you will be
        processed, provided that all eligibility requirements have been met.

 7.  WAIVER OF REQUIREMENTS
     
     a. We reserve the right to waive any of the requirements described in the
        Terms and Conditions, at our discretion. If we do so, we will not be
        obligated to waive the same requirement in any other situation or for
        any other Cardholder, and our waiver of one or more requirements will
        not constitute a waiver of any other requirement. A waiver of a
        requirement may be terminated at any time upon written notice to you.

 8.  CREDIT PROTECTION CANCELLATION AND TERMINATION
     
     a. We may cancel your Credit Protection at any time. Your enrollment will
        automatically terminate without written notice if: (i) your Protected
        Account becomes ninety-one (91) days past due; (ii) we determine your
        Protected Account was not in Good Standing as of the date of your
        requested enrollment in Credit Protection; (iii) you die (although this
        will not prevent your Estate from receiving Benefits earned prior to or
        as a result of your death), (iv) you at any time cease to be a United
        States resident; (v) you live in an ineligible state; or (vi) as
        otherwise stated in the Terms and Conditions.
     
     b. You may cancel your Credit Protection at any time by contacting the Plan
        Administrator toll free at 1-800-693-9571. You will not be charged any
        Credit Protection fees after your cancellation date. If you cancel
        Credit Protection and notify the Plan Administrator within the first
        thirty (30) calendar days after your Enrollment Date, any Credit
        Protection fees you have been billed will be refunded. You are not
        entitled to any fee refunds after the first thirty (30) days of
        enrollment.
     
     c. Upon automatic termination or cancellation by us or by you, you will not
        be eligible to receive Benefits for any Eligible Event with an Event
        Date on or after the date of termination or cancellation.

 9.  CREDIT PROTECTION FEES
     
     a. The monthly fee for Credit Protection is $1.49 per $100 of your Monthly
        Statement Balance, which is your balance on the last day of each Billing
        Cycle. For example, if your Monthly Statement Balance is $200.00, a
        Credit Protection fee of $2.98 would be charged to your Protected
        Account. This fee is charged even if you pay off the balance in full by
        the payment due date. If your Monthly Statement Balance is zero, there
        is no fee charged for that month.
     
     b. Whether or not you qualify for all the Benefits, the fee for Credit
        Protection is still $1.49 per $100 of your Monthly Statement Balance,
        which is your balance on the last day of each Billing Cycle.
     
     c. The fee will appear on your Statement for the Protected Account.

 10. CHANGE IN TERMS
     
     a. We will provide you notice of a change and a chance to cancel without
        additional payments, unless the change is favorable and there is no
        increase in the monthly fee.

 11. POTENTIAL TAX IMPACT
     
     a. Any credit to your Protected Account as a result of qualifying for a
        Credit Protection Benefit may be considered taxable income to you or
        your estate. If you have questions about the potential tax impact to you
        or your estate, you should consult your tax advisor.

 12. JURY TRIAL WAIVER/ARBITRATION PROVISION
     
     a. The Arbitration of Disputes Provision of your Cardholder Agreement is
        incorporated in these Terms and Conditions. In the event of a dispute
        between you and us, the Arbitration of Disputes Provision will: (i)
        eliminate the right to a trial by jury; and (ii) substantially affect
        your rights, including your rights to bring, join in, or participate in
        class proceedings. You should read the Arbitration of Disputes Provision
        of your Cardholder Agreement carefully.

 13. OTHER PROVISIONS
     
     a. All other provisions of your Cardholder Agreement remain in full force
        and in effect. You must continue to make payments as required under your
        Cardholder Agreement, while your Benefit request is being processed.

1910NGOCP_11600



By selecting “Accept”, you confirm the following:

 * You understand it is an optional product;
 * You have read the complete Addendum and understand the benefits, terms, and
   limitations; and
 * You understand a fee will be charged each month to your Account.

Decline
Accept


TERMS & CONDITIONS

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INDIGO ®  MASTERCARD ®   CELTIC BANK

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases
35.9% APR for Cash Advances 35.9% Paying Interest Your due date is at least 25
days after the close of each billing cycle. We will not charge you any interest
on purchases if you pay your entire balance by the due date each month. We will
begin charging interest on cash advances on the transaction date. Minimum
Interest Charge If you are charged interest, the charge will be no less than
$1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To
learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees Set Up and Maintenance Fees

NOTICE: Some of these set up and maintenance fees will be assessed before you
begin using your card and will reduce the amount of credit you initially have
available. Based on the credit line of $700, your initial available credit will
be only about $525.

You may reject this plan, provided that you have not yet used the account or
paid a fee after receiving a billing statement. If you do reject this plan, you
are not responsible for any fees or charges.

 

 * Monthly Fee

$0 the first year (billed $0 each month); $150 annually thereafter (billed
$12.50 each month)
 * Annual Fee

$175 the first year; $49 thereafter Transaction Fees  
 * Cash Advance Fee

$5 or 5% of the amount of each transaction, whichever is greater (not to exceed
$100 )
 * Foreign Transaction Fee

1% of each transaction in U.S. dollars Penalty Fees  
 * Late Payment Fee

Up to $41
 * Overlimit Fee

Up to $41
 * Returned Payment Fee

Up to $41

How We Calculate Your Balance:  We use a method called “average daily balance
(including new purchases)”. See the Cardholder Agreement for more details.

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

--------------------------------------------------------------------------------

TERMS AND CONDITIONS

The Indigo Mastercard Account (“Account”) is issued by Celtic Bank, a
Utah-Chartered Industrial Bank (“us”, “we”, and “our”). This offer is only valid
for new Accounts. You must be at least 18 years old, have a valid Social
Security Number, physical address, and a US IP address.

By submitting an application, you authorize us to obtain your credit report from
one or more credit reporting agencies to verify your identity and evaluate your
credit, and to review, maintain and perform collection activities on your
Account. In addition, you authorize (i) us to seek information about your credit
history from your current and former creditors, (ii) your current and former
creditors to provide information to us about your credit history; and (iii) our
servicer, Concora Credit Inc., to provide information about your credit card
prequalification request history to us. If you ask us, we will tell you whether
or not we requested your credit report, and the names and addresses of any
credit reporting agencies that provided us with such reports.

To be approved, you must:
 * Meet our credit qualification criteria, including a review of your income and
   your debt, and identity verification requirements.
 * Not have an existing Indigo Mastercard Account.
 * Not have had an Indigo Mastercard Account that charged off due to
   delinquency.

Annual Fee: The Annual Fee will be charged to your Account when it is opened. It
is refundable as long as you cancel your Account and have not made any
transactions.

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 us to obtain, verify, and record information that
identifies you when you open an Account. What this means for you: When you open
an account, we will ask you for your name, street 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 from you.

--------------------------------------------------------------------------------

CONSENT TO ELECTRONIC COMMUNICATIONS

By submitting a prequalification request and/or application online, you agree to
the following and this constitutes your consent for us to send you electronic
communications about your prequalification, application, and Indigo Mastercard
Account (“Account”) in connection with the pre-qualification and/or application
process. When you successfully consent and submit your prequalification and/or
application through our website, you have successfully demonstrated that you are
able to access the information we have posted on such online website.

Communications: You consent to receive communications relating to the Account in
electronic form. The communications covered by your consent may include, but are
not limited to, (i) the initial disclosure statement, (ii) the Cardholder
Agreement, (iii) any rewards programs, (iv) any disclosure required by Federal,
state or local law, including disclosures under the Federal Truth in Lending
Act, the Federal Fair Credit Reporting Act, and the financial privacy provisions
of the Gramm-Leach-Bliley Act, (v) any disclosures required for enrollment in
Credit Protection, and (vi) other disclosures, notices or communications in
connection with your prequalification and/or application for an Account.

Withdrawing Consent: You may not submit a pre-qualification request or
application online for an Account unless you also provide your consent to
receive electronic communications. Because this consent applies only to the
pre-qualification and/or application process, and not to any future
communications, you do not have an opportunity to withdraw the consent after the
application is submitted.

Hardware and Software Requirements: In order to access and retain electronic
communications, you must have the following:

 1. A widely used, recent generation web browser (for example, Chrome, Safari,
    Edge or Firefox);
 2. A personal computer or equivalent device capable of connecting to the
    internet via dial-up, DSL, cable modem, wireless access protocol or
    equivalent;
 3. A widely used, recent-generation portable document file reader; and
 4. Sufficient storage capacity on your hard drive or other data storage
    facility, or a means to print or store notices and information through your
    browser software.

Paper Copies of Communications: Upon your request, we will provide you with a
paper copy of any communication that we provide electronically. If you would
like a paper copy of any material, write to our servicer at Concora Credit, P.O.
Box 4477, Beaverton, Oregon 97076. There will be no charge for a paper copy of
any material we have provided electronically.

Communications in Writing: All communications in either electronic or paper
format from us to you will be considered “in writing”. You should print a copy
of this consent and any other electronic communication that is important to you
for your records.

Electronic Signatures: You acknowledge that by clicking “Submit” or similar
button on the application, you are indicating your intent to receive electronic
communications about your pre-qualification, application and/or Account and that
this shall constitute your signature.

Federal Law: You acknowledge and agree that your consent is being provided in
connection with a transaction affecting interstate commerce the is subject to
federal Electronic Signatures in Global and National Commerce Act, and that you
and we both intend that the Act apply to the fullest extent possible to validate
our ability to conduct business with you by electronic means.

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INDIGO® MASTERCARD®  CARDHOLDER AGREEMENT

Dear Cardholder:
This Agreement, as defined below, is your contract for your Account and:
 * Covers the terms that govern the use of your Account;
 * Outlines both your responsibilities and ours;
 * Includes the Pricing Information and other disclosures required by the
   Federal Truth in Lending Act;
 * Includes certain disclosures required by the Federal Military Lending Act;
 * Includes an Arbitration of Disputes Provision that will substantially affect
   your rights unless you reject it; and
 * Contains important information about your Account.

We encourage you to read the Agreement and keep it for your records. Please feel
free to call us with any questions you may have. We look forward to serving you.

CARDHOLDER AGREEMENT

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This Agreement contains the terms that govern the use of your Indigo Mastercard
Account and outlines both your responsibilities and ours. Please read it in its
entirety and keep it for your reference. In addition, any written application,
acceptance certificate or other request you signed or otherwise submitted for
this Account (the “Application”), your Card and the Card Carrier that we send
with your Card, and your signature (including any electronic or digital
signature) on any Application, sales slip or other evidence of indebtedness on
your Account, are hereby incorporated into and made a part of this Agreement.
This Agreement begins on the earlier of (i) the date you sign or otherwise
submit an Application that is approved by us, or (ii) the first date that we
extend credit to you on your Account, as evidenced by a signed sales slip or
memorandum, a Cash Advance transaction, or otherwise. 

Definitions. To simplify this Agreement for you, the definitions listed below
will apply throughout, both in this Agreement and in your monthly Statements. In
addition, the words you, your, and yours refer to the Cardholder(s) who holds
the Card and is responsible for the Account, each of whom is individually and
jointly obligated under this Agreement. The words we, us, and our refer to
Celtic Bank.

Account: The credit card account for which you were issued a Card imprinted with
your Account number and that is subject to all of the terms and conditions of
this Agreement.

ATM: Automated Teller Machine.

Billing Cycle: The time interval covered by a monthly Statement. Each Billing
Cycle is approximately 30 days in length; however, the specific period of time
is described on each monthly Statement. Your Account will have a Billing Cycle
even if a Statement is not required.

Card: Any Indigo Mastercard issued by us that you may use to obtain a Cash
Advance, make Purchases, or lease goods or services on credit. Use of your
Account number to obtain credit will be considered a use of the Card.

Card Carrier: The carrier that contains your Card.

Cardholder: The person to whom a Card is issued, or who has agreed to pay
obligations arising from a Card issued to another person.

Cash Advance: Credit extended to you in the form of a cash loan through any
financial institution honoring the Card either presented directly or through any
other credit instrument, check, device, overdraft coverage plan or ATM that we
make available to you or that you use. All cash equivalent transactions will be
treated as Cash Advances and will be billed to the Cash Advance segment of your
Account. Transactions that we view as “cash equivalent transactions” include
without limitation using your Card to purchase wire transfer money orders, bets,
lottery tickets, casino gaming chips, and other similar products and services.

Closing Date: The date of the last day of a Billing Cycle.

Credit Limit: The maximum amount of credit available to you on your Account.
Your Credit Limit will be disclosed on your Card Carrier and your monthly
Statements.

Purchase: Any extension of credit to your Account for the purpose of purchasing
or leasing goods or services from participating merchants.

Statement: A monthly document we provide to you showing Account information
including, among other things, Purchase and Cash Advance transactions, credits
and debits, payments, fees, and interest charges made to your Account during a
Billing Cycle.

Purchases and Cash Advances. You may use your Card to purchase or lease goods or
services from participating merchants. You may also use your Card to obtain Cash
Advances from your Account at an ATM, or by presenting it to any institution
that accepts the Card for that purpose. There are dollar limitations on
individual Cash Advance transactions, and we may set a Cash Advance Limit for
your Account. Please contact us for information about the Cash Advance
limitations that apply to your Account. In addition, we may limit your Account
to only one Cash Advance transaction per day.

You promise to pay us and are liable for all amounts resulting from the
authorized use of your Card or Account, plus any applicable interest charges and
other applicable charges or fees, payable in U.S. dollars. This includes amounts
where you did not sign a purchase slip or other documents for the transaction.
If you use your Account number without presenting your actual Card, such as for
mail, telephone, or internet Purchases, this will be treated the same way as if
you presented your Card. Your promise to pay us will apply to your estate if you
die.

We may limit and restrict the use of the Account/Card at our discretion. Such
limitations and restrictions include, but are not limited to, gambling
transactions, which include, but are not limited to, internet-related lottery
tickets, casino gambling chips, off-track betting and wagers at racetracks. You
remain responsible for use of your Account/Card in any such transactions.

The Card may only be used for valid and lawful purposes. If you use, or you
authorize someone else to use, the Card or Account for an unlawful or
impermissible purpose, you will be responsible for such use and may be required
to reimburse us or Mastercard for any amounts or expenses we or they incur as a
result of such use.

The Card is and remains our property, and you will surrender it to us at any
time upon request.

Your Credit Limit. You may not use your Account in any way that would cause you
to go over your Credit Limit. We may refuse to authorize or accept any
transaction on your Account that would cause you to exceed your Credit Limit,
even if you have authorized us to charge you an Overlimit Fee for doing so. We
may temporarily agree to allow you to exceed your Credit Limit; however, in that
case you must repay the excess amount according to the terms of this Agreement.
Any transactions honored in excess of your Credit Limit will not result in an
increase of your Credit Limit. We may at any time and without prior notice to
you increase or decrease your Credit Limit, limit the Credit Limit for Cash
Advances or take away your ability to obtain Cash Advances.

MAKING PAYMENTS

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Monthly Statements. We will send a Statement at the end of each monthly Billing
Cycle if there is a debit or credit balance on your account of $1 or more, a
balance on which an interest charge has been imposed, or as otherwise required
by applicable law. You agree to pay us, or any party to whom we may transfer and
assign your Account or the amounts owing under your Account, in U.S. dollars
according to all terms and conditions of this Agreement. Payments made by a
check, money order or other negotiable instrument must be in a form acceptable
to us and drawn on a U.S. financial institution.

Monthly Minimum Payment. The Monthly Minimum Payment is 5% of your New Balance
or $40, whichever is greater, rounded to nearest dollar. If you elect not to pay
your New Balance in full, you must pay at least the Monthly Minimum Payment by
the Payment Due Date shown on your Statement, which is at least 25 days after
the Closing Date of the Billing Cycle. Your Monthly Minimum Payment also will
include any past due amounts. If your New Balance is less than or equal to your
Monthly Minimum Payment, then your Monthly Minimum Payment will be equal to your
New Balance.

Payments should be mailed with the payment coupon and in the envelope provided
and following the other instructions on the Statement to Concora Credit, P.O.
Box 96541, Charlotte, NC 28296-0541. Any payment received in that form and at
that address on or before 5:00 P.M., Eastern Time, on a normal banking day will
be credited to your Account that day. If your payment is received in that form
and at that address after 5:00 P.M., Eastern Time, on a normal banking day, or
any time on a non-banking day, we will credit it to your Account the next
banking day. However, if your Payment Due Date occurs on a non-banking day, any
payment received the next day which conforms to the above requirements will not
be treated as late. Please allow at least seven (7) business days for postal
delivery. Payments received by us at any other location or in any other form may
not be credited as of the day we receive them.

Payments received for amounts greater than the balance on your Account may be
returned to sender. This may cause you to incur Late Payment Fees and additional
interest charges and may result in your Account being declared in default.

If we accept a payment at a place other than the address in the immediately
preceding paragraph, we may delay the crediting of the payment for up to five
(5) days. This may cause you to incur Late Fees and additional interest charges,
and may result in your Account being declared in default.

We do not accept cash payments through the mail. You may not make payments with
funds from your Account or any other credit account issued by us.

When you provide a check as payment, you authorize us either to use information
from your check to make a one-time electronic fund transfer from your account or
to process the payment as a check transaction. When we use information from your
check to make an electronic fund transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment and you will not receive
your check back from your financial institution.

At any time, you may pay part or all of the full amount you owe without
incurring any additional charge for prepayment. The amount of any payment that
exceeds your total New Balance will be applied as a credit to your Account, and
any remaining credit balance will be refunded as required by law.

Credit availability may be delayed at our sole discretion to ensure payment in
good funds. Your available credit on your Credit Limit may not reflect your
payments for up to 14 days.

Application of Payments. For each Billing Cycle, payments up to the amount of
your Monthly Minimum Payment will be allocated in any way we determine,
including to balances with lower Annual Percentage Rates before balances with
higher Annual Percentage Rates. We will generally apply payments up to the
amount of your Monthly Minimum Payment in a manner most favorable or convenient
for us.

For each Billing Cycle, to the extent your payments exceed your Monthly Minimum
Payment, we will apply these excess amounts in the order required by applicable
law.

HOW INTEREST CHARGES ARE DETERMINED

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Your interest charge for any Billing Cycle will include the following
components, the total of which constitutes your total interest charge for the
Billing Cycle:

 1.  A Cash Advance Transaction Fee imposed on each Cash Advance transaction
    posted during a Billing Cycle, in an amount equal to the greater of $5 or 5%
    of the amount of each Cash Advance, not to exceed $100. Any unpaid Cash
    Advance Transaction Fee will be added to the calculation of your Average
    Daily Balance of Cash Advances.
 2. Periodic interest charge computed by applying the applicable Monthly
    Periodic Rate or Rates, determined as provided below under Computing the
    Purchase and Cash Advance Balance Monthly Periodic Rates and Corresponding
    Annual Percentage Rates (APR)to:
    a. your Average Daily Balance of Cash Advances (including new Cash
       Advances); and
    b. your Average Daily Balance of Purchases (including new Purchases).
    However, if the total of the amounts so computed is an amount less than $1,
    then a Minimum Interest Charge Fee of $1 will be imposed instead of such
    smaller amounts.
 3. A Foreign Currency Conversion Fee in an amount equal to 1% of the converted
    U.S. dollar amount of each transaction, including Cash Advances and
    Purchases, that is effected in any currency other than U.S. dollars.

When Interest Charges Begin to Accrue. Interest charges on Purchases will be
imposed at the applicable Monthly Periodic Rate from the date each Purchase is
made, and will continue to accrue on unpaid balances as long as they remain
unpaid. However, we do not assess interest charges in the following
circumstances:

 1. If you paid the New Balance at the beginning of your previous Billing Cycle
    by the Payment Due Date during the previous Billing Cycle, or if that New
    Balance was $0 or a credit balance, then:
    a. if you pay the New Balance on your current Statement in full by the
       Payment Due Date in your current Billing Cycle, we will not assess
       interest charges on Purchases during your current Billing Cycle; and
    b. if you make a payment that is less than the New Balance by the Payment
       Due Date in your current Billing Cycle, we will credit that payment as of
       the first day in your current Billing Cycle.
 2. If you had a New Balance at the beginning of your previous Billing Cycle and
    you did not pay that New Balance by the Payment Due Date during that
    previous Billing Cycle, then we will not assess interest charges on any
    Purchases during the current Billing Cycle if you pay the New Balance at the
    beginning of your current Billing Cycle by the Payment Due Date in your
    current Billing Cycle.

Periodic interest charges on Cash Advances will be imposed at the applicable
Monthly Periodic Rate from the date each Cash Advance is made and will continue
to accrue on unpaid balances as long as they remain unpaid. There is no grace
period on Cash Advances and there is no period within which to pay to avoid
interest charges on Cash Advances.

Calculating the Purchase and Cash Advance Balance Subject to Interest Charges

Average Daily Balance of Purchases (including new Purchases): To get the Average
Daily Balance of Purchases, we take the beginning Purchase balance of your
Account each day, including unpaid fees, interest charges on Purchases and
Foreign Currency Conversion Fees on Purchases, add any new Purchases and new
fees as of the date of transaction, and subtract the applicable portion of any
payments and credits as of the transaction date. On the first day of a Billing
Cycle, we also add any unpaid Late Fees and Overlimit Fees. This gives us the
daily balance for Purchases. Then we add all these daily balances for the
Billing Cycle together and divide the total by the number of days in the Billing
Cycle. This gives us the Average Daily Balance of Purchases.

Average Daily Balance of Cash Advances (including new Cash Advances): To get the
Average Daily Balance of Cash Advances, we take the beginning Cash Advance
balance of your Account each day, including unpaid interest charges on Cash
Advances and Foreign Currency Conversion Fees on Cash Advances, add any new Cash
Advances as of the date of transaction, add the Cash Advance Transaction Fee on
any Cash Advances as of the transaction date of each Cash Advance, and subtract
the applicable portion of any payments and credits as of the transaction date.
This gives us the daily balance for Cash Advances. Then we add all these daily
balances for the Billing Cycle together and divide the total by the number of
days in the Billing Cycle. This gives us the Average Daily Balance of Cash
Advances.

Computing the Purchase and Cash Advance Balance Monthly Periodic Rates and
Corresponding Annual Percentage Rates (APR)
Monthly Periodic Rates:The Monthly Periodic Rate is calculated by dividing the
APR by 12. The Purchase APR is 35.9% and the Monthly Periodic Rate for Purchases
is 2.992%. The Cash Advance APR is 35.9% and the Monthly Periodic Rate for Cash
Advances is 2.992%.

OTHER FEES

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In addition to interest charges, a variety of fees may be applied to your
Account, as set forth below.

Annual Fee. We will charge an initial Annual Fee of $175 to your Account on or
about the date your Account is opened and then a renewal Annual Fee of $49 on or
about each anniversary of that date. The initial Annual Fee is nonrefundable;
the renewal Annual Fee is also nonrefundable unless you notify us to cancel your
Account within 30 days from the mailing date of the billing Statement or other
communication containing the renewal Annual Fee notice.

Monthly Fee. We will charge a Monthly Fee to your Account unless you notify us
to close your Account at least 10 days prior to the Payment Due Date reflected
on your last Billing Statement. In the first year, the Monthly Fee will be $0
per month ($0 annually), and thereafter, the Monthly Fee will be $12.50 per
month ($150 annually). Your payment of the Monthly Fee does not in any way limit
any of our rights or remedies under this Agreement, in law, or in equity,
including without limitation, our right to close your Account or limit
transactions on your Account pursuant to this Agreement.

Late Payment Fee. If we do not receive your Monthly Minimum Payment by the
Closing Date of the Billing Cycle in which the Payment Due Date occurs and the
amount past due on your Account is more than $9.99, we will charge a Late
Payment Fee to your Account. The Late Payment Fee is $30 if you were not charged
a Late Payment Fee during any of the prior six Billing Cycles. Otherwise, the
Late Payment Fee is $41. The Late Payment Fee will never exceed the amount of
your most recently required Monthly Minimum Payment.

Minimum Interest Charge Fee. If the periodic interest charge amounts computed in
the How Interest Charges Are Determined section are an amount less than $1, then
a Minimum Interest Charge Fee of $1 will be charged instead of such smaller
amounts and will be treated as a fee on your billing statement and added to your
Purchases at our discretion.

Returned Payment Fee. If any payment on your Account is returned to us unpaid
for any reason, we will charge a Returned Payment Fee to your Account. The
Returned Payment Fee is $30 if you were not charged a Returned Payment Fee
during any of the prior six Billing Cycles. Otherwise, the Returned Payment Fee
is $41. The Returned Payment Fee will never exceed the amount of your most
recently required Monthly Minimum Payment.

Overlimit Fee. If you elected to have overlimit coverage, we may charge an
Overlimit Fee when a transaction causes you to go over or remain over your
Credit Limit during any Billing Cycle. We may also charge you two additional
Overlimit Fees if your New Balance remains over your Credit Limit as of the
Payment Due Date in future Billing Cycles. We will only charge you one Overlimit
Fee per Billing Cycle, even if you go over your Credit Limit multiple times in
the same Billing Cycle. The Overlimit Fee is $30 if you were not charged an
Overlimit Fee during any of the prior six Billing Cycles. Otherwise, the
Overlimit Fee is $41. The Overlimit Fee will never exceed the maximum amount you
are over your Credit Limit during the Billing Cycle.

MILITARY LENDING ACT

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The Military Lending Act provides protections for Covered Borrowers. The
provisions of this section apply to Covered Borrowers. If you would like more
information about whether you are a Covered Borrower, you may contact us at
1-800-353-5920.

Statement of MAPR. Federal law provides important protections to members of the
Armed Forces and their dependents relating to extensions of consumer credit. In
general, the cost of consumer credit to a member of the Armed Forces and his or
her dependent may not exceed an Annual Percentage Rate of 36%. This rate must
include, as applicable to the credit transaction or account: (1) the costs
associated with credit insurance premiums; (2) fees for ancillary products sold
in connection with the credit transaction; (3) any application fee charged
(other than certain application fees for specified credit transactions or
accounts); and (4) any participation fee charged (other than certain
participation fees for a credit card account).

Oral Disclosures.  In order to hear important disclosures and payment
information about this Agreement, you may call 1-800-290-6421

Applicability of Arbitration of Disputes Provision.  The Arbitration of Disputes
Provision set forth in this Agreement does not apply to Covered Borrowers.

LOST CARDS AND UNAUTHORIZED USE

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You will take reasonable steps to prevent the unauthorized use of your Card and
Account. If your Card is lost or stolen or if someone else might be using it
without your permission, you must tell us at once. You may tell us by calling
the telephone number on the back of your Card or on your Statement or by writing
us at the address on your Statement. You will not be responsible for the charges
made to your Account that are found by us to be unauthorized. If we reimburse
your Account for unauthorized charges made using your Card or Account, you will
help us investigate, pursue, and get reimbursement from the wrongdoer. Your help
includes giving us documents that we ask for and are acceptable to us.

COMMUNICATIONS

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Telephone Monitoring and Recording;  Communications. You consent and agree that,
except as restricted by applicable law, we may monitor and/or record telephone
calls regarding your Account, suppress caller identification services, use
prerecorded messages, and use an automated telephone dialing and announcing
system. You expressly consent that we and our agents, any servicer, or any
subsequent owner of your Account may (i) contact you at any cellular telephone
number that you provided as part of your application, at any number that you
later provide (including, without limitation, after your Account is in a default
status), or at any other number that is identified as related to you, including
by text message, and(ii) use automated telephone dialing systems to initiate
such contacts and/or leave recorded messages. If you provide any cellular
telephone number(s) for which you are not the subscriber, you understand that
you shall indemnify us, our agents, or any servicer for any costs and expenses,
including reasonable attorneys’ fees, incurred as a result of us attempting to
contact you at the number(s).

If you provide us at any time with an email contact for your Account, you agree
we may use that email address to contact you about your Account and may send you
information about products and services related to your Account.

We or our representatives may contact you from time to time regarding the
Account, or to ask for additional information about you or your experience with
us. You agree that such contacts are not unsolicited and may include contacts at
your home or place of employment, during weekdays, weekends or holidays, on your
mobile telephone, voicemail or answering machine, or by email, fax, recorded
message, text message or personal visit.

How to Revoke Consent for Future Communications: If you want to revoke your
consent to future communications as described in the previous paragraph, you
must send us a written notice that includes:(i) your name, mailing address, and
Account number(s); (ii) the specific telephone number(s), email address(es)
and/or mailing address(es) at which you no longer wish us to contact you, and
(iii) the types of communications (telephone, text, email, and/or mail) for
which you are revoking consent. You must send this written notice to: Concora
Credit, P.O. Box 4477, Beaverton, OR 97076. You understand and agree that it may
take up to three business days after receipt of your written notice to process
your request, and that you consent to continued communications during this
period of time.

OUR RIGHTS AND HOW THEY AFFECT YOU

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Merchant Refunds. If a merchant agrees to give you a refund for goods or
services purchased with your Card or Account, you will accept a credit on your
Account instead of a cash refund. We do not control when a merchant sends us
your refund and we will have a reasonable amount of time after we receive your
refund to process it.

No Waiver of Rights; Disputed Amounts. We can accept late or partial payments
without losing any of our rights under this Agreement. You agree not to send us
partial payments marked “paid in full,” “without recourse,” or similar language.
If you send such a payment, we may accept it without losing any of our rights
under this Agreement. All written communications concerning disputed amounts,
including any check or other payment instrument that indicated that the payment
constitutes “payment in full” of the amount owed or that is tendered with other
conditions or limitations or as full satisfaction of a disputed amount, must be
mailed or delivered to Concora Credit, P.O. Box 4499, Beaverton, Oregon 97076.

Credit Reports and Information. You authorize us to make or have made any
credit, employment, or other investigative inquiries we deem appropriate to
extend you credit or collect amounts owed to us on your Account. We (including
any assignee of the Account or amounts owing under the Account) may also obtain
information about you from credit reporting agencies or others at any time and
use it for the purposes of monitoring your credit performance, managing your
Account and considering you for new offers and programs.

Notice of Inaccurate Information.  If you believe that we have information about
you that is inaccurate or that we have reported or may report to a credit
reporting agency information about you that is inaccurate, please notify us of
the specific information that you believe is inaccurate by writing to us at
Concora Credit, P.O. Box 4499, Beaverton, OR 97076

Default and Collection. Unless prohibited by applicable law, your Account is
considered to be in default if (1) you fail to make the required Monthly Minimum
Payment on or before the Payment Due Date, including if your payment is returned
or cannot be processed and you do not correct that failure within 31 days, (2)
you try to exceed or do exceed your Credit Limit without permission and do not
bring your Account back under your Credit Limit within 31 days, (3) you become
subject to bankruptcy or insolvency proceedings, (4) you become subject to
attachment or garnishment proceedings, (5) you give us any false information or
signature, (6) you die, or (7) you fail to comply with any portion of this
Agreement. Our accepting a late or partial payment does not waive default.
Default on this Account will constitute default on all accounts you hold with
us. Subject to any notice of default and right to cure or other restrictions of
applicable law, if you are in default, we may declare the entire balance due
immediately. You agree to pay our reasonable costs and attorneys’ fees and
expenses related to the collection of your Account, and retrieving your Card, to
the extent permitted by applicable laws.

Change of Terms. Subject to the limitations of applicable law, we may, at any
time, change or remove any of the terms and conditions of, or add new terms or
conditions to, this Agreement. If required by applicable law, we will mail
written notice of such a change to you in the manner required by such law. As of
the effective date, the changed or new terms will apply to new Purchases and
Cash Advances and also to the outstanding balance of your Account, subject to
the limitations of applicable law.

Delay in Enforcement. We can delay enforcing our rights under this Agreement
without losing them.

OTHER PROVISIONS

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Ownership and Use of Your Card.  As the Cardholder, you are liable for all
credit obtained under your Account. If you authorize another person to use your
Card, you are liable for any credit obtained on your Account for as long as that
person holds the Card. In addition, you will remain liable until you recover
possession of the Card. Misuse of your Card by an authorized person will not be
considered unauthorized use. See “Lost Cards and Unauthorized Use” above. Upon
demand, you must immediately return any Card we supply to you or destroy the
Card by cutting it in half.

Transactions. You will retain for Statement verification your copy of each
Purchase slip, Cash Advance or other transaction to your Account.

Transfer of Your Account. You may not transfer your Account to any other person.
We may assign your Account or amounts owing under your Account to any other
person at any time and the assignee will take our place under the Agreement with
respect to all agreements and interests transferred. You must pay the assignee
and otherwise perform your obligations under the assigned agreements and
interests.

Closing or Suspending Your Account. We may close or suspend your Account or your
ability to obtain credit on your Account, or both, at any time, for any reason
permitted by law and with or without advance notice.

You may close your Account at any time by contacting us. The closure of Account
will not become effective until you have returned to us all of the Cards we have
given you. If you have a joint Account and want to remove one of the names from
the Account, we must receive a written request signed by both of the Cardholders
on the Account and all Cards must be returned upon request. No party is released
from the obligation for the balance owing on a joint Account, unless we agree to
the arrangements in writing. You may have to reapply for a new Card for an
individual Account when you request a change from a joint Account to an
individual Account.

If your Account is closed or suspended for any reason, you must stop using your
Card. You must also cancel all billing arrangements to the Account. We will not
do this for you. If we close or permanently suspend your Account, you must also
return all Cards to us. You must still pay us all amounts you owe on the
Account, even if they are charged after your Account is closed or suspended.

Additional Benefits and Services. From time to time, we may offer you benefits
and services with your Account. These benefits and services may be provided by
us or third parties. Unless expressly made a part of this Agreement, and except
as provided in the Arbitration of Disputes section below, any such benefits and
services are not a part of this Agreement, and are subject only to the terms and
conditions outlined in the benefits or services brochure and other official
documents provided to you with respect to the benefits and services. We may
adjust, add, or delete benefits or services at any time in accordance with the
brochures or documents you receive. Except as required by applicable law, we are
not liable for benefits or services provided by third parties or the actions or
omissions of those third parties.

Foreign Currency Conversion. Payment must be made in U.S. Dollars for charges
you incur in any other currency. If you effect a transaction with your Card in a
currency other than U.S. Dollars, Mastercard International Incorporated
(“Mastercard”) will convert the charge into a U.S. Dollar amount. Mastercard
will act in accordance with its operating regulations or conversion procedures
in effect at the time that the transaction is processed. Currently, the currency
conversion rate used by Mastercard to determine the transaction amount in U.S.
Dollars for such transactions is generally either a government mandated rate or
a wholesale rate determined by Mastercard for the processing cycle in which the
transaction is processed. The currency conversion rate used by Mastercard on the
processing date may differ from the rate that would have been used on the
Purchase date or monthly Statement posting date. We will also assess a Foreign
Currency Conversion Fee interest charge as described in the “How Interest
Charges are Determined” section.

Honoring Your Card. We are not responsible if anyone refuses to accept your Card
or Account for any reason. Although you may have credit available, we may
decline any transaction for any reason. We are not liable for any refusal to
honor your Card or Account.

From time to time, due to circumstances beyond our control (such as system
failures, natural disasters, or other unpredictable events), our services may
not be available. When this happens, you may be unable to use your Card or
obtain information about your Account. We will not be responsible or liable if
this happens.

Change of Address, Employment and Telephone. We will send all written notices
and Statements to your address as it appears on our records. To avoid delays and
missed payments that could affect your credit standing, you agree to promptly
advise us if you change your mailing address, place of employment, or telephone
number.

Severability. In the event that any provision of this Agreement is determined to
be invalid or unenforceable for any reason, the remaining provisions will remain
in effect.

Entire Agreement; Interpretation. This Agreement (including other documents
incorporated herein by reference) constitutes the final expression of the credit
agreement between you and us relating to your Account. The headings used in this
Agreement are for the convenience of reference only and are not intended to
define or describe the scope or intent of any portion of the Agreement.

Governing Law. Except as expressly set forth in the Arbitration of Disputes
section, this Agreement and the interpretation and enforcement thereof
(including but not limited to the exportation of interest rates) will be
governed by Federal law that applies to us, and to the extent not preempted by
Federal law, the laws of the State of Utah, without regard to its conflicts of
law provisions and principles. If there is any conflict between any of the terms
and conditions of this Agreement and applicable Federal or State law, this
Agreement will be considered changed to the extent necessary to comply with the
applicable law.

Arbitration of Disputes Provision. PLEASE READ THIS ARBITRATION OF DISPUTES
PROVISION CAREFULLY. UNLESS YOU SEND US THE REJECTION NOTICE DESCRIBED BELOW,
THIS PROVISION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU, ON THE
ONE HAND, AND US OR ANY AFFILIATE, AGENT, SERVICER, OR OWNER OF YOUR ACCOUNT,
INCLUDING, BUT NOT LIMITED TO, CONCORA CREDIT INC. (“CONCORA CREDIT”), ON THE
OTHER HAND, WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1)
NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE
ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS
INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. THIS
ARBITRATION OF DISPUTES PROVISION DOES NOT APPLY TO YOU IF, AS OF THE DATE OF
THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH
MEMBER ENTITLED TO PROTECTION UNDER THE FEDERAL MILITARY LENDING ACT. PLEASE SEE
THE SECTION OF THIS AGREEMENT LABELED “MILITARY LENDING ACT.” IF YOU WOULD LIKE
MORE INFORMATION ABOUT WHETHER YOU ARE ENTITLED TO PROTECTION UNDER THE FEDERAL
MILITARY LENDING ACT, YOU MAY CONTACT US AT 1-800-353-5920.

This provision replaces any existing arbitration provision with us and will stay
in force no matter what happens to your Account, including the closing of your
Account, and the sale or transfer of your Account or any interest in your
Account. Except as expressly provided below, you must arbitrate individually, by
binding arbitration under the Federal Arbitration Act (“FAA”), any dispute or
claim by or between you, any joint Cardholder and/or Authorized User, on the one
hand, and us, our affiliates, and agents, and/or any owner or servicer of your
Account, including, but not limited to, Concora Credit, on the other hand, if
the dispute or claim arises out of or is related to (a) this Agreement
(including without limitation, any dispute over the interpretation or validity
of this Agreement), or (b) your Account, or (c) any relationship resulting from
this Agreement, or (d) any insurance or other service related to your Account,
or (e) any other agreement or dispute arising from or related to your Account
(including prior agreements) or any such service or use of your Account, or (f)
breach of this Agreement or any other such agreement, whether based on statute,
contract, tort or any other legal theory (any “Claim”). This arbitration
provision will also be binding on and invocable by your heirs and successors,
and any subsequent owner of your Account or any interest in your Account.
However, you cannot be required to arbitrate any individual Claims in small
claims court or your state’s equivalent court, so long as it remains an
individual case in that court.

YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY
GENERAL ACTION AGAINST US OR ANY AFFILIATE, AGENT, SERVICER, OR OWNER OF YOUR
ACCOUNT, INCLUDING, BUT NOT LIMITED TO, CONCORA CREDIT, IN COURT OR ARBITRATION.
ALSO, YOU MAY NOT BRING CLAIMS AGAINST US OR ANY AFFILIATE, AGENT, SERVICER, OR
OWNER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO CONCORA CREDIT, ON BEHALF
OF ANY CARDHOLDER WHO IS NOT A JOINT CARDHOLDER WITH YOU OR AN AUTHORIZED USER
ON YOUR ACCOUNT (AN “UNRELATED CARDHOLDER”), AND YOU AGREE THAT NO UNRELATED
CARDHOLDER MAY BRING ANY CLAIMS AGAINST US OR ANY AFFILIATE, AGENT, SERVICER, OR
OWNER OF YOUR ACCOUNT, INCLUDING, BUT NOT LIMITED TO, CONCORA CREDIT, ON YOUR
BEHALF. CLAIMS BY YOU AND AN UNRELATED CARDHOLDER MAY NOT BE JOINED IN A SINGLE
ARBITRATION. THE ARBITRATOR WILL NOT HAVE THE POWER TO CONSIDER SUCH CLASS,
REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTIONS OR ANY SUCH CLAIMS YOU BRING
ON BEHALF OF AN UNRELATED CARDHOLDER. This paragraph is referred to as the
“Class Action Waiver.”

Judgment on the arbitration award may be entered in any court having
jurisdiction. Any dispute regarding whether a particular controversy is subject
to arbitration, or the interpretation, applicability, formation or
enforceability of this Arbitration Agreement, will be decided by the arbitrator
and not a court, except that a court will decide any question regarding the
enforceability or applicability of the Class Action Waiver. 

The party or parties electing to arbitrate a claim must notify the other party
in writing. The notice can be given after the beginning of a lawsuit and can be
given in papers filed in the lawsuit. Otherwise, your notice must be sent to
Concora Credit Inc., Attn: Arbitration Demand, P.O. Box 4477, Beaverton, Oregon
97076, and any notice to you must be sent to the most recent address for you in
the Account files. The arbitration will be administered by the American
Arbitration Association (the “AAA”) under its rules in effect at the time an
arbitration is commenced that are applicable to the resolution of consumer
disputes (the “Arbitration Rules”). We will tell you how to contact the AAA and
how to get a copy of the Arbitration Rules without cost if you ask us in writing
to do so. You may also obtain a copy of the Arbitration Rules at
https://www.adr.org/rules. The Arbitration Rules permit you to request deferral
or reduction of the administrative fees of arbitration if paying them would
cause you a hardship. In addition, if you ask us in writing, we will consider
your request to pay any or all of your costs of arbitration.

Each arbitrator shall be a licensed attorney who has been engaged in the private
practice of law continuously during the ten years immediately preceding the
arbitration or a retired judge of a court of general or appellate jurisdiction.
The arbitration award shall award only such relief as a court of competent
jurisdiction could properly award under applicable law, including attorneys’
fees if allowed by applicable law or agreement. All statutes of limitation,
defenses, and attorney-client and other privileges that would apply in a court
proceeding will apply in the arbitration. 

If any provision of this Section regarding arbitration of disputes shall be
deemed to be unenforceable, the remainder of this Section shall be given full
force and effect. However, if the Class Action Waiver is deemed unenforceable,
then this entire Arbitration Agreement shall be void and of no force and effect.

You may reject this provision, in which case only a court may be used to resolve
any dispute or claim. Rejection will not affect any other aspect of the
Agreement. To reject this Provision, you must notify us at 1-800-353-5920 or
mail a notice within sixty (60) days after you open your Account or we first
provide you with a right to reject this Provision. If you notify us by
telephone, you must speak with a live representative and provide your name,
address and Account Number. If you notify us by mail, you must include your
name, address and Account Number and it must be mailed to our servicer at:
Concora Credit Inc., Attn: Arbitration Provision, P.O. Box 4477, Beaverton,
Oregon 97076. These are the only ways you can reject this Provision.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE

--------------------------------------------------------------------------------

This notice tells you about your rights and our responsibilities under the Fair
Credit Billing Act.

What To Do If You Think You Find A Mistake On Your Statement

If you think there is an error on your Statement, please write to us at Concora
Credit, P.O. Box 4499, Beaverton, OR 97076-4499.

In your letter, give us the following information:

 * Account information: Your name and Account Number.
 * Dollar amount: The dollar amount of the suspected error.
 * Description of problem: If you think there is an error on your bill, describe
   what you believe is wrong and why you believe it is a mistake.

You must contact us:

 * Within 60 days after the error appeared on your Statement.
 * At least three (3) business days before an automated payment is scheduled, if
   you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors, and you may have
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

 1. Within 30 days of receiving your letter, we must tell you that we received
    your letter. We will also tell you if we have already corrected the error.
 2. Within 90 days of receiving your letter, we must either correct the error or
    explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

 * We cannot try to collect the amount in question, or report you as delinquent
   on that amount.
 * The charge in question may remain on your statement, and we may continue to
   charge you interest on that amount.
 * While you do not have to pay the amount in question, you are responsible for
   the remainder of your balance.
 * We can apply any unpaid amount against your Credit Limit.

After we finish our investigation, one of two things will happen:

 * If we made a mistake: You will not have to pay the amount in question or any
   interest or other fees related to that amount.
 * If we do not believe there was a mistake: You will have to pay the amount in
   question, along with applicable interest and fees. We will then send you a
   Statement of the amount you owe and the date payment is due. We may then
   report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must
write to us within 10 days telling us that you still refuse to pay. If you do
so, we cannot report you as delinquent without also reporting that you are
questioning your bill. We must tell you the name of anyone to whom we reported
you as delinquent, and we must let those organizations know when the matter has
been settled between us. If we do not follow all of the rules above, you do not
have to pay the first $50 of the amount you question, even if your bill is
correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with
your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on the
Purchase. To use this right, all of the following must be true:

 1. The Purchase must have been made in your home state or within 100 miles of
    your current mailing address, and the Purchase price must have been more
    than $50. (Note: Neither of these are necessary if your Purchase was based
    on an advertisement we mailed to you, or if we own the company that sold you
    the goods or services.)
 2. You must have used your credit card for the Purchase. Purchases made with
    cash advances from an ATM or with a check that accesses your credit card
    account do not qualify.
 3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the
Purchase, contact us in writing at Concora Credit, P.O. Box 4499, Beaverton, OR
97076-4499. While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

THE CARD ISSUER:   CELTIC BANK

South Dakota Cardholders: If there are any improprieties in the servicing of
this loan by Concora Credit Inc., please contact the South Dakota Division of
Banking at 1714 Lincoln Avenue, Suite 2, Pierre, South Dakota, 57501, (605)
773-3421.

--------------------------------------------------------------------------------



STATE NOTICES



California Residents: A married applicant may apply for a separate Account. As
required by law, you are hereby notified that a negative credit report
reflecting on your credit record may be submitted to a consumer reporting agency
if you fail to fulfill the terms of your credit obligations. After credit
approval, each applicant shall have the right to use the credit Account up to
the limit of the Account. Each applicant may be liable for amounts extended
under the plan to any joint applicant.

Delaware Residents: Service charges not in excess of those permitted by law will
be charged on the outstanding balances from month to month.

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.

Married Wisconsin Residents: No provision of any marital property agreement,
unilateral statement or court decree adversely affects our rights, unless you
give us a copy of such agreement, statement or court order before we grant you
credit, or we have actual knowledge of the adverse obligation. All obligations
on this Account will be incurred in the interest of your marriage or family. You
understand that we may be required to give notice of this Account to your
spouse. Married Wisconsin residents must furnish the name and address of their
spouse to Concora Credit, P.O. Box 4477, Beaverton, OR 97076.

Kentucky Residents: You may pay the unpaid balance of your Account in whole or
in part at any time.

New York and Vermont Residents: We may obtain a consumer report for any
legitimate purpose in connection with your Account or your application,
including but not limited to reviewing, modifying, renewing and collecting on
your Account. Upon your request, we will inform you of the names and addresses
of any Consumer Reporting Agencies that have furnished the reports. New York
residents may contact the New York State Department of Financial Services at
1-800-518-8866 or www.dfs.ny.gov to obtain a comparative list of credit card
rates, fees and grace periods.

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.

--------------------------------------------------------------------------------

CELTIC BANK PRIVACY POLICY  REV. JANUARY 2015



FACTS

WHAT DOES CELTIC BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or
service you have with us. This information can include:

 * Social Security number and income
 * Account balances and payment history
 * Credit history and credit scores

When you are no longer our customer, we continue to share your information as
described in this notice.

How?

All financial companies need to share customers' personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers' personal information; the reasons Celtic
Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Celtic Bank share? Can you
limit this sharing?

For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court
orders and legal investigations, or report to credit bureaus

YES

NO

For our marketing purposes -

to offer our products and services to you

NO

We don't share

For joint marketing with other financial companies

NO

We don't share

For our affiliates' everyday business purposes - information about your
transactions and experiences

NO

We don't share

For our affiliates' everyday business purposes - information about your
creditworthiness

NO

We don't share

For our affiliates to market to you

NO

We don't share

For nonaffiliates to market to you

NO

We don't share

Questions?

Call 1-800-353-5920 or go to www.celticbank.com

Who we are

Who is providing this notice?

Celtic Bank

What we do  

How does Celtic Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.

How does Celtic Bank collect my personal information?

We collect your personal information, for example, when you

 * Open an account

 * Apply for a loan

We also collect your personal information from others, such as credit bureaus,
affiliates or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

 * Sharing for affiliates' everyday business purposes-information about your
   creditworthiness

 * Affiliates from using your information to market to you

 * Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit
sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and
nonfinancial companies.

 * Celtic Bank does not share with our affiliate.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
nonfinancial companies.

 * Celtic Bank does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.

 * Celtic Bank does not jointly market.

 
 

IN649RXCXC1-v3




SUBMIT APPLICATION

By clicking “SUBMIT APPLICATION” below, you confirm you are applying for an
Indigo Mastercard Account issued by Celtic Bank (“we” “us”) and you acknowledge,
agree to, and/or represent the following:

 * The information you have provided as part of this application is true and
   correct;
 * We may gather information about you, including from credit reporting agencies
   and other sources, to verify your identity and determine your eligibility for
   credit, renewal of credit, future extensions of credit, and consider you for
   additional products and services. If you ask, we will tell you whether or not
   we requested a credit report and the names and addresses of any credit
   reporting agency that provided us with such credit report; and
 * You have read and agree to the credit terms and other disclosures with this
   application, and you understand that if your application is approved, the
   complete Cardholder Agreement (“Agreement”) will be sent to you and will
   govern your Account. Among other things, the Agreement includes an
   arbitration provision that limits your rights unless you reject the provision
   by following the provision’s instructions or if you are a Covered Borrower
   entitled to protection under the Federal Military Lending Act. Please see the
   “Military Lending Act” section of the Terms and Conditions and Important
   Disclosures.
 * If approved, a hard inquiry will be reflected on your credit report on the
   day your application is approved, which may impact your credit score. If
   declined, no hard inquiry will be reflected.

By clicking “ACCEPT” below, you agree that you have read and agree to the above
Terms and Conditions, which contain important rate, fee, and other information
and the Consent to Electronic Communications and confirm you meet the computer
and software requirements and you consent to receive the account terms and
conditions and important disclosures electronically.
Decline
Accept
Submit Application


* If your application is not approved, a hard inquiry will not appear on your
credit report, which means your credit score will not be impacted.

© 2024 Concora Credit Inc. All Rights Reserved.

The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered
Industrial Bank, and serviced by Concora Credit Inc. (NMLS #1549514) Indigo is a
registered trademark of Concora Credit Inc.

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