CREDIT PROTECTION PROGRAM AGREEMENT AND DISCLOSURE

THIS PRODUCT IS OPTIONAL: Your purchase of the Credit Protection Program (“Program”) is optional. Whether or not you
purchase the Program will not a ect your application for credit or the terms of any existing credit agreement you have
with Credit One Bank, N.A. (“Credit One”, “we” “or “us”).

This Credit Protection Program Agreement and Disclosure (“Agreement”) contains all of the terms applicable to the
bene ts. This Program will apply to your Account as long as you pay the Minimum Payment Due each month. Under this
Agreement, bene ts speci cally apply to the primary cardholder on this Account. Protection is not applicable to a joint
cardholder or an authorized user on the Account. Only residents of the United States and U.S. Territories are eligible to
purchase the Program.

EXPLANATION OF THE PROGRAM: If eligible, the Program will pay the Minimum Payment Due, as shown on your billing
statement. This Agreement describes the speci c circumstances under which the Minimum Payment Due may be paid for
up to six (6) bene t payments if the primary cardholder becomes involuntarily unemployed or disabled. If your Account is
covered by the Servicemembers Civil Relief Act when you initiate bene ts, the payment will be equal to 5% of your ending
statement balance each month, or $30.00 whichever is greater. In the event of the primary cardholder’s death, the Account
may be eligible for balance payo , up to $10,000.

We will provide Program bene ts for the three (3) Qualifying Events (involuntary unemployment, disability, and loss of life)
as outlined in this Agreement when they are experienced by the primary cardholder, as long as the Program requirements
are met. As long as you maintain this Program on your Account and pay the applicable fee, you can use the Program as
many times as needed, subject to conditions outlined in this Agreement.

The Program fee is based on your monthly billing statement New Balance, up to $10,000. The Program fee is billed in
advance on a monthly basis for bene t coverage during the next billing cycle. The cost of Credit Protection is $0.96 (96
cents) for each $100, or part thereof, of the New Balance on your monthly billing statement. The Program fee will be billed
monthly to your Credit One Bank credit card account, and will appear on your statement. For example, if the New Balance
on your statement is $300, the cost for that month would be $0.96 (96 cents) multiplied by 3 for a total of $2.88. If your
New Balance is zero, then there is no cost.

TERMINATION OF THE PROGRAM: You have the right to cancel your enrollment in the Program at any time, for any
reason. If you cancel after the rst 30 day period, your cancellation will be e ective at the end of the billing cycle in which
the cancellation is received.

We will end this Program automatically with no advance notice to you if:

Your Account is involuntarily closed for any reason;

Your Account becomes 60 days or more past due;
Your Account is over limit by 20% or more;
Credit One Bank no longer owns the Account;
We determine or have a reasonable belief that you have committed fraud on the Account; or
You are approved for participation in one of our debt management programs.
We may also end this Program if we decide to discontinue o ering this Program to all Program participants for any reason.
If you voluntarily close your Account and still have a balance, your enrollment in the Program and Program charges will
continue unless you or we cancel your Program enrollment. When your Account is paid in full and you close your Account,
your enrollment in the Program will be cancelled automatically.

Automatic Reinstatement of Program Enrollment

If your Account becomes 60 days past due, we will automatically cancel your enrollment in the Program. If you make
payments su cient to bring your Account under 60 days past due your enrollment in the Program will be automatically
reinstated. You will not need to apply for reinstatement and you will not receive advance notice of cancellation or
reinstatement. Reinstatement in the Program will be e ective on the statement date following the posting date of the
payment that brings your Account under 60 days past due. Program fees will resume in the monthly billing cycle in which
you are reinstated. Reinstatement will be withdrawn if payment on your Account is returned unpaid for any reason. If you
do not wish to be reinstated, you must cancel the Program. If we cancel your enrollment in the Program for any reason
other than your Account is past due, you will not be eligible for automatic reinstatement.

BENEFITS

ELIGIBILITY REQUIREMENTS, CONDITIONS AND EXCLUSIONS: There are eligibility requirements, conditions, and
exclusions that could prevent you from receiving bene ts under the Program. Any unemployment or disability existing at
the time you initially enroll in the Program will not be covered.

General Limitations
To qualify for bene ts your Account must be open or closed with a balance. And, you must be enrolled in the Program at
the time you request bene ts.

Involuntary Unemployment
To qualify for a bene t due to involuntary unemployment, you must meet the requirements, as described in this
Agreement

Be enrolled in the Program for a minimum of 30 consecutive days before your unemployment begins;
Be unemployed due to a layo , a union-based strike, lockout or similar action or company shutdown (in the event of a
strike, labor dispute or lockout, a union representative must sign a form specifying the situation);
Notify us within 365 days after the rst date of unemployment;
Have been working at least 20 hours per week for a minimum of 30 days at the time of unemployment;
Qualify for State, Washington, D.C., or U.S. Territories unemployment bene ts or be signed up with a recognized
employment agency; and
Complete and return any forms required by us as the proof of unemployment.

You will not qualify for involuntary unemployment bene ts if any of the following apply:

Your date of unemployment is prior to your Purchase Date indicated on the letter included with this Agreement;
You lost your job for any reason within 30 days following your Program Purchase Date;
You voluntarily forfeit your employment salary, wages or employment income;
You resign or quit;
Your unemployment is due to retirement;
Your employment is terminated for cause, meaning, for example, violation of established company policy or willful or
criminal misconduct;
Your unemployment is caused by illness, disease, accident or injury; however you may qualify for disability bene ts (see
the Disability section for details); or
 You have not been back to work for at least 20 hours per week for a minimum of 30 days since the end of a previously
completed bene t period.

Disability
To qualify for a bene t due to disability, you must meet the requirements, as described in this Agreement:

Be enrolled in the Program for a minimum of 30 consecutive days before your disability begins;
Be unable to perform the material and substantial duties of your occupation, or;
Be unable to perform the normal activities of a person of like age if you are not gainfully employed;
Be under the care of a licensed doctor or a licensed health care practitioner who will verify your disability, and who is
not a family member;
Notify us within 365 days after the rst date of disability; and
Complete and return any forms required by us as proof of disability.

You will not qualify for disability bene ts if any of the following apply:

Your date of disability is prior to your Purchase Date indicated on the letter included with this Agreement;
You became disabled within 30 days of your Program Purchase Date; or
You have not been back to work or normal activities for at least 30 days since the end of a previously completed bene t
period.

Loss of Life
To qualify for a bene t due to loss of life:

You must be already enrolled in the Program before the death occurs;
The legal representative of your estate or a family member must notify us within 365 days after the date of death, and
upon request, provide a copy of the death certi cate.

Receiving Bene ts
For unemployment or disability bene t requests you will need to take action by notifying us. You may be granted a
courtesy bene t for up to 30 days while you ll out and return any requested paperwork to be eligible to receive additional
bene ts. If approved, the bene t amount will be shown on your monthly billing statement as a credit. In some cases, a
bene t may be denied. In these cases, you will receive a letter which will explain why you were not eligible to receive
bene ts at that time. In some cases, we may simply need additional information to continue the review process. While
awaiting word from us on your bene t request, you need to continue making your monthly Minimum Payment Due on
your Account and pay any over the credit limit amounts. You may, if you wish, make payments during the bene t period to
reduce your Account balance; these payments will not be refunded to you. During a bene t period, the monthly Program
fee and any late payment fee that may be incurred during the bene t period will be waived. Any annual fee due to be
billed during the bene t period will be waived. Assessment of these fees (as applicable) will resume after the bene t
period ends. During the bene t period, Periodic Finance Charges (interest) will continue to accrue on unpaid balances and
will be posted to your Account in accordance with your credit card Card Agreement.

USE OF CARD RESTRICTED:

During a bene t period, you may not use your Account for any purpose including purchases, cash advances or payments
to third parties.

When A Bene t Ends

For a disability or involuntary unemployment bene t, your bene t will end upon the occurrence of any of the following:

You no longer meet the quali cations for bene ts;

 Failure to provide the bene t request form by the date required;
After we have paid 6 bene t payments or six months from Qualifying Event if balance is paid to zero;
The account balance at the time of the Qualifying Event is paid in full;
If you request to have your bene t ended;
If you voluntarily cancel enrollment in the Program while receiving bene ts;
If Credit One Bank no longer owns the Account; or
We discover that you misrepresented to us any information pertaining to your Qualifying Event.

When your bene t ends, regardless of the reason, you will again be responsible for making payments on your Account in
accordance with your Card Agreement.

Additional Program Details

If we ever change or add bene ts to the Credit Protection Program, we will notify you in writing as required by law. Any
changes to this Agreement that occur during a bene t period will not take e ect until that bene t period ends. If you
receive a notice from us of a change in the Agreement and/or Program and you do not wish to be bound by those
changes, you must notify us within 30 days of receipt of that notice and we will cancel your Program enrollment. If you do
not notify us within the 30 day period, you will become bound to all changes for which you received notice. We reserve the
right to waive any of the requirements listed in this Agreement at our sole discretion. However, if we do this, we will not be
obligated to waive the same requirement or another requirement in any other situation or in the future.

Card Agreement
Because this Agreement is made part of your Card Agreement with Credit One Bank, N.A., the arbitration provisions
contained in the Card Agreement will apply to this Program. All provisions of your Card Agreement remain in full force
and e ect. In the event of any con ict between the terms of this Agreement and the terms contained in the Card
Agreement, the terms of this Agreement shall govern.

Tax Considerations
Payment of all or a part of the outstanding balance may be taxable income to you or your estate. Any and all taxes related
to bene ts received by you are your responsibility. We recommend that you seek the advice of a quali ed tax advisor
regarding this matter.

Governing Law
This Agreement and all disputes, rights and obligations of the parties are governed by and interpreted in accordance with
the laws applicable to national banks, and, where no such laws apply, by the laws of the State of Nevada, excluding the
con icts of law provisions thereof, regardless of your state of residence.

CPPA-3 102019