IMPORTANT - PLEASE READ CAREFULLY

The Vendor Issuing Spend Card is a business charge card issued under the Vendor Issuing: Spend Card Program (the “Program”). The Vendor Issuing Spend Card is issued by Celtic Bank, a Utah-chartered, Federal Deposit Insurance corporation-insured bank located in Salt Lake City, Utah (“Issuer”), and the Program is managed by Stripe, Inc., a Delaware corporation (“Vendor”). These Authorized User Terms (“Terms”) apply to your use of the Vendor Issuing Spend Card. Capitalized terms used in these Terms, but not defined elsewhere, have the meaning assigned to such terms in Section 1.

As used in these Terms, “we”, “us” or “our” refers to Vendor and Issuer. Unless otherwise indicated, “you” and “your” refers to the person or persons authorized by an entity that participates in the Program (the “Program Accountholder”) to receive and use a Vendor Issuing Spend Card.

These Terms restate certain provisions of the Vendor Issuing: Spend Card Program Agreement that govern your use of a Vendor Issuing Spend Card. These Terms do not establish a contract or other legal relationship between you and us. The Vendor Issuing Spend Card Program Agreement is the legal agreement governing your use of the Vendor Issuing Spend Card, and the Program Accountholder is responsible for your compliance with the Vendor Issuing: Spend Card Program Agreement and these Terms. We are providing these Terms to you as a convenience to the Program Accountholder. You agree that we may provide you with electronic communications.

1. Definitions.

(a) “Administrator” means the person appointed by the Program Accountholder to manage the Program Accountholder’s participation in the Program, including managing how you may use your Vendor Issuing Spend Card.

(b) “Card” and “Vendor Issuing Spend Card” mean a business charge card issued by Issuer, linked to a Card Account, and enabled for Transactions over the Card Network associated with the Card. Cards may either be a physical card embossed with a 16-digit number or a virtual card represented by a 16-digit number.

(c) “Card Account” means a sub-account of the Program Account that is linked to a Card issued to you.

(d) “Card Limits” means the maximum amounts available for Charges on any Card. Your Administrator will inform you of Card Limits that apply to your Card.

(e) “Card Network” means the payments card network operated by Visa U.S.A., Inc. and/or Visa International and/or MasterCard International Incorporated.

(f) “Charge” means the use of your Card to complete a Transaction.

(g) “Data” means personal or business information provided to Vendor in connection with the Program, which includes information to determine a Program Accountholder’s eligibility for a Program Account and other information needed by Vendor to provide the Program and to fulfill its responsibilities to Issuer.

(h) “Personal Data” means information that identifies a specific living person (not a company, legal entity, or machine) and is transmitted to or accessible through the Program.

(i) “Program” and “Vendor Issuing Spend Card Program” mean the program through which Issuer issues Cards and extends credit to the Program Accountholder, and Vendor provides Card Accounts, Cards, and Transaction management tools and services, in each case for use by the Administrator and you.

(j) “Program Account” means the account for which the Program Accountholder may request the issuance of Cards, and includes the records we maintain to (a) account for the value of the funds available for Charges on Cards, (b) establish Card Accounts, (c) provide Transaction histories (Charges, Transactions, payments), and (d) inform the Program Accountholder of fees and payments it owes.

(k) “Transaction” means a request initiated by you to make a payment with a Card for the purchase of goods or services or to obtain a cash-advance at an ATM.

2. Your Card and Card Account.

Your Card is issued and provided by Issuer and is linked to an individual Card Account. Your individual Card Account is linked to your Program Accountholder’s Program Account. Your Charges are billed to the Program Account. You are not directly liable to us for your Charges or other activity on your individual Card Account. Your Card must be activated prior to use. Your Program Accountholder’s Administrator will provide activation instructions to you. If you did not receive activation instructions for your Card, contact your Administrator. We or your Administrator may apply a Card Limit to your Card Account. Charges will reduce the Card Limit, and any Charges in excess of the Card Limit may be declined.

3. Account Opening.

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 a Card Account is opened for you. What this means for you: In connection with opening your individual Card Account, we will ask you for your name, street address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents from you.