VISA® PREPAID PAYROLL CARD CARDHOLDER AGREEMENT

PLEASE SIGN YOUR CARD IMMEDIATELY.

THE CARD IS NOT A CREDIT CARD.

DO NOT TELL ANYONE YOUR PIN. YOU ARE RESPONSIBLE FOR SAFEGUARDING YOUR PIN AND CARD NUMBER.

          These terms and conditions of use and Cardholder Agreement (this "Agreement") constitute our disclosure to you and an agreement between you and us with respect to our issuance and your use of the enclosed Prepaid Visa Payroll Card ("Card"). You have elected to receive a part or all of your wages on this Card and you may access your prepaid funds everywhere Visa debit is accepted for purchases at merchant point-of-sale ("POS") locations and for cash withdrawals at automated teller machines ("ATM"). The value of funds available on the Card at any one time (your "Available Balance") is limited to the dollar amount of prepaid funds, less withdrawals and amounts  deducted for purchases and for fees.

          In this Agreement, "you" or "your" means any person who has received the Card and is authorized to use it as provided for in this Agreement, and "we", "us" or "our" means CenterState Bank of Florida, N.A. and its successors and assigns.

          You must sign the Card before using it. By receiving and using the Card, you agree with us that the Card, and the money or funds stored on the Card, are subject to this Agreement. PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP IT FOR FUTURE REFERENCE. This Agreement includes a mandatory arbitration provision at Section 16.

          The Card is issued by CenterState Bank of Florida, N.A. pursuant to a license from Visa U.S.A., Inc. It is only offered to individuals over the age of 18 that can lawfully enter into and form contracts under applicable law, and by using the Card you represent and warrant to us that you are such an individual. We may refuse to issue the Card to anyone for any reason. This Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and you may not use an expired or revoked Card.

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, a valid physical U.S. street address, a telephone number, a date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification.

           Section 1. CONTACT INFORMATION.

CenterState Bank of Florida, N.A.
1101 First Street South
Winterhaven, FL 33880

           Section 2. YOUR CARD.

          The Card is a prepaid, stored value card. This means that there is no separate deposit account established for you that is associated with the Card. There is a limited purpose prepaid account in which the funds that are stored on the Card are maintained. You have no rights in those funds, except to access the funds through the Card in accordance with this Agreement. You may not make any deposit, withdrawal or any other transaction with the Card or the stored value account, except for the Card transactions described in this Agreement. The account in which the prepaid funds are deposited is FDIC-insured to the maximum extent permitted by law. For information with respect to FDIC insurance on your prepaid funds, visit our web site at www.centerstatebank.com.

           Section 3. CONSENT TO ELECTRONIC DELIVERY.

          Your Card and corresponding services are Internet-based. You understand and agree that the following categories of information ("Electronic Disclosures") will be provided by electronic means:

• Legal disclosures
• Privacy Policy
• Periodic statements of Card transactions
• Notices to you of the resolution of any claimed error on your periodic statements
• Notices with respect to any changes to the Cardholder Agreement or any other notices or communications required or permitted by law
• Inquiries or notices to you about transactions made using your Card
• Any customer service communications.

          To receive your Electronic Disclosures, you must have access to the following hardware and software requirements:

• an Internet browser that supports 128-bit encryption, such as Internet Explorer version 8.0 or above, Firefox 4.0 and above, Safari 5.0 and above and Google Chrome
• an e-mail account and e-mail reader software capable of handling HTML e-mail
• a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing
• sufficient electronic storage capacity on your computer's hard drive or other data storage unit
• a printer capable of printing from your browser and e-mail software.

You also have the right to receive a paper copy of any Electronic Disclosures by sending a request to us. Your request should specify the Electronic Disclosure that you would like us to send and provide your name, address and Card number. Call toll free 1-866-466-8025, 24 hours a day, 7 days a week, or write to: Cardholder Services, P.O. Box 550160, Ft. Lauderdale, FL 33355 or go to www.flexwage.com.

           Section 4. YOUR PIN and SIGNATURE.

          In order to protect the use of your Card, a personal identification number ("PIN") will be required in order to conduct a transaction with your Card where required. This PIN is provided to you at or around the time your Card is activated. You should not disclose your PIN to anyone. If the security or confidentiality of your PIN is compromised, you should notify us at once. A PIN may not be needed in order to purchase goods or services at merchant locations that accept Visa cards.

There is a panel on the back of the Card for your signature. You should sign this panel on your Card as soon as you receive it to help protect your Card from unauthorized use. However, your  responsibility for transactions with the Card, as described in this Agreement, does not depend on whether or not you sign your Card.

           Section 5. USING YOUR CARD.

          Your employer and other entities ("Entities") that you instruct are responsible for providing the funds and instructing us to load the amount of designated funds onto the Card. Once the funds are  loaded onto the Card you may use the Card for the type of transactions described in this Agreement everywhere Visa debit cards are accepted.These funds are available for your use on the day on which we receive the funds, provided the funds are received before 2:00 p.m. If the day on which we receive the funds is not a business day for us, the funds will be available to you by the opening of business on the next business day we are open. For purposes of this Agreement, our business days are any day that is not a Saturday, Sunday, or federal holiday.

We do not pay any interest on the funds stored on the Card. The Card has no minimum balance requirements.

           Transactions. Your Card may be used to access the Available Balance of funds stored on the Card. You may use your Card to make signature or PIN purchases at merchants that accept Visa debit and at ATMs.

• If you pay at the pump for gas, the card terminal in the "pay at the pump" stations automatically checks to see if your Card has enough money left to pay for an average purchase of gas which varies among merchants and is at least $75. If your Card does not have enough money to pay for this amount, your transaction will be declined. The average gas purchase amount changes just as retail gas prices change. If you plan to buy less than $75 worth of gas, it is recommended that you give your Card to the station attendant and state exactly how much gas you want to purchase, instead of swiping your Card at the pump.
• When making a purchase greater than the Available Balance on the Card, alert the cashier to utilize another form of payment to cover the amount greater than what is available on the Card. Ask the cashier to use remaining balance of the Card as the second form of payment.
• The Card can be used at ATMs within the United States and, unless otherwise indicated, at international ATMs displaying the appropriate network identification. Some of these services may not be available at all ATMs. Some ATMs will have restrictions relating to amounts that can be withdrawn.

          There is no credit line associated with your Card. This means that you must have a sufficient Available Balance at the time of a transaction in order to pay for the transaction and associated fees. If a merchant or an ATM operator attempts to submit a transaction on the Card for an amount that is greater than your Available Balance, the transaction may not be approved by us. In the event that we, in our sole discretion, settle or pay a transaction with your Card when there are insufficient funds stored on the Card to pay for the transaction, this will result in an overdraft on your Card. You agree to pay us the amount of the overdraft and any related fee. We may deduct the overdraft amount and related fee from your Card.

          You may choose to have a secondary or companion card that will have access to your Card funds. You agree that you are solely responsible for the secondary card and all transactions made using that card under the terms and agreements defined herein.

           Limitations on Use. You may use your Card only in the manner and for the purposes authorized by this Agreement. You may not use your Card for any illegal purpose, and you may not resell your Card.INTERNET GAMBLING TRANSACTIONS PROHIBITED: You may not use your Card to initiate any type of electronic gambling transaction through the Internet.

           We may restrict access to your Card if we notice suspicious activities. If access is denied, you should contact us at the address in Section 1 so that we may discuss and rectify any problems. You are responsible for all authorized transactions using your Card.

           Authorizations and Holds. Any entity honoring your Card will be required to obtain approval or authorization for any transaction in accordance with the rules of Visa U.S.A., Inc. When an authorization is issued, a thirty-day hold may be placed on the value on the Card in the amount of the authorization. When you use your Card in a tipping environment (at restaurants, bars, barber or beauty shops or for taxis or limos), the amount of authorization may include a tip of 20%-25%. Up to a ninety-day hold may be placed on the value on the Card in the amount of the preauthorization request made by hotels and rental merchants. If the authorization request varies from the amount of the transaction the merchant subsequently submits to the Visa system, settlement of the transaction may not remove the hold, which may remain on the Card until the hold days have expired. If your Card is subject to a hold, the value on the Card that is subject to the hold will not be available for other purposes.

           Section 6. ROLE OF YOUR EMPLOYER.

          Your Employer is responsible for transferring funds directly or through the Automated Clearing House (“ACH”) payment system to us to load onto your Card. We have no obligation to you in the event your employer delays in providing or fails to provide funds to fund your Card. You may instruct other Entities to transfer funds onto your Card by providing them with your bank routing and transit number and account number and having them use an electronic credit sent to us through the ACH payment system. These funds must be received as “good funds” before value will be added to your Card.

           Section 7. FEES AND CHARGES FOR USE OF CARD.

          Bank Fees. The following fees and charges are imposed by us on your use of the Card and will be charged to the Card. Other fees may apply and will be disclosed when service is provided. We may change these fees in the future in accordance with this Agreement with prior notice to you.

Services Description Fee
Monthly Maintenance Fee Maintenance fee charged each month to unexpired card accounts FREE
Employer Value Loads Funds being loaded from a funding account to the card account for access by cardholder FREE
ATM Withdrawal - US ATM Cash withdrawal initiated in the United States. Does not include ATM owner surcharges. 2 FREE per month, then $2.00
ATM withdrawal - Outside of US ATM cash withdrawal initiated outside the United States. Does not include ATM owner surcharges. $3.50
Cash Advance over the counter in bank Cash advance in a bank branch and subject to bank rules 1 FREE per value load, then $5.00
Signature Transactions Merchant POS signature, online and 800 transactions FREE
PIN Transactions Transactions at merchant where PIN is used $0.50
ATM Balance Inquiry ATM inquiry for your Available Balance $0.50
ATM Decline Any ATM cash withdrawal transaction resulting in a decline $1.50
POS Purchase Decline Any POS transaction that results in a decline< /td> FREE
PIN Purchase Decline Any PIN transaction that results in a decline< /td> FREE
Lost/Stolen card replacement Replacing a card that has been lost or stolen< /td> $5.00
Overnight shipment of card Shipping the card to arrive within 2 days by courier< /td> $25.00
Statement printed and mailed Printing and mailing a monthly statement at the cardholder request< /td> $1.00
Issue and mail secondary card Issuing a secondary card requested by cardholder for access to cardholder’s account< /td> $5.00
800 calls for voice response Each call to the 800 voice response number after the provided free calls< /td> FREE
Live agent calls Each call to a live agent after the provided free calls< /td> 3 Free per month, then $1.50 per call
Bill Payment Via Internet To pay a merchant using online Bill pay< /td> $2.00
Transfer Funds to Bank Account Electronically transfer of funds off of card to a bank account< /td> 1 Free
Inactivity Fee Following 6 months of inactivity on card (inactivity is defined as no value loads or transactions)< /td> $2.95 per month
SMS Text Messaging When a cardholder enrolls via the cardholder web site for text messaging services, a monthly service fee will be applied to the card for text message alerts < /td> $1.00 per month

          Third Party Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer at the ATM). In addition, you may be charged fees by other third parties for use of your Card, such as (i) stores and merchants for POS transactions, and (ii) other banks and financial institutions for cash withdrawals at their branches.

          Foreign Transactions and Currency Conversion Fee. If you obtain your funds (or make a purchase) in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A., Inc. into an amount in the currency of your Card and may include fees charged directly by us. The conversion may occur on a date different than the transaction date. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa U.S.A., Inc. from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa U.S.A., Inc. itself receives, or the governmentmandated rate in effect for the applicable central processing date. You agree to pay the converted amount, which includes the rate of exchange between foreign currency and US currency in effect one day prior to the processing date, increased by $0.50 and 1%.

           Section 8. DOCUMENTATION OF TRANSACTIONS.

          You will receive the following documentation with respect to your Card transactions:

• At the time you make an ATM transaction or merchant POS transaction, you will obtain a receipt for the transaction.
• You will receive a monthly electronic statement showing all debits and credits posted to your Card that month, including any fees assessed by us against your Card during the statement period.

          In addition, you can determine your Available Balance (i) at any ATM displaying the Visa or Plus logos, (ii) by calling 1-866-466-8025 or (iii) via the Internet at www.flexwage.com. Access to communications for you at the web site requires use of a personalized password, which you may not divulge to anyone else. You have the responsibility of providing a correct and operational e-mail address within your Employee Authorization form.

           Section 9. DISPUTES WITH MERCHANTS.

          If you use your Card at a merchant, and a dispute with the merchant arises, you agree to make a good faith effort to settle the dispute with the merchant. Any unresolved dispute may be sent to us in writing for assistance in settlement. You cannot stop payment to merchants for transactions made through the use of your Card.

           Section 10. DISCLOSURE OF INFORMATION TO THIRD PARTIES.

          We will disclose information to third parties about your Card or the transactions that you make:
• Where it is necessary for completing the transactions; or
• In order to verify the existence and condition of your Card; or
• In order to comply with government agency or court orders or as otherwise required by law or in connection with examinations by banking authorities; or
• For analytical purposes; or
• If we conclude that disclosure is necessary to protect you or our interests; or
• If you give your permission to us or to other parties.

Cardholder personal data may be provided to Visa, its members and their respective contractors for the purposes of providing emergency cash and emergency card replacement. PLEASE REFER TO THE ENCLOSED INSERT FOR ADDITIONAL INFORMATION CONCERNING OUR INFORMATION COLLECTION AND SHARING PRACTICES AND POLICIES.

          Section 11. ERROR RESOLUTION. In case of errors or questions about your Card or if any statement shows transactions that you did not make, call or write to us at the telephone number and address listed as follows: Call toll free 1-866-466-8025, 24 hours a day, 7 days a week, or write to: Cardholder Services, P.O. Box 550160, Ft. Lauderdale, FL 33355, or www.flexwage.com.

          We must allow you to report an error until 60 days after the earlier of the date you electronically access your Available Balance, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 1-866-466-8025 or writing us at the address shown above.

          You will need to tell us:
• Your name and Card number;
• Why you believe there is an error, and the dollar amount involved;
• Approximately when the error took place.

          If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Card.

          For errors involving new accounts, point-of-sale, or foreigninitiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your Card for the amount you think is in error.

          We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

           Section 12. YOUR LIABILITY FOR CARD USE.

          Tell us AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone has transferred or may transfer money from your Card without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money on your Card. If you tell us within 2 business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission.

          If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.

          Also, if your electronic Card history or written history that you requested from us shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically access your Card history, if the error could be viewed in your electronic history, or the date we sent the first written history on which the error appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

          Under Visa's zero liability policy: you must reasonably demonstrate that you exercised reasonable care in safeguarding your Card and PIN from risk of loss and theft; your Card must be in good standing (e.g., not presently or recently overdrawn, and not presently or recently under suspicion of possible illegal or suspicious use); and we cannot have received more than one other report of unauthorized use of your Card in the last 12 months. This policy does not apply to ATM transactions or PIN transactions not processed through Visa.

           Section 13. BANK LIABILITY.

          If we do not complete a transfer to or from your Card on time or in the correct amount according to this Agreement, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
• If, through no fault of ours, you do not have enough money stored on your Card tomake the transaction.
• If the Card transaction would go over the credit limit on your overdraft line, if one exists.
• If the ATM where you are making the Card transaction does not have enough cash.
• If the terminal or system was not working properly and you knew about the breakdown when you started the Card transaction.
• We are prohibited by law from completing the transaction.
• If circumstances beyond our control (such as fire or flood) prevent the Card transaction, despite reasonable precautions that we have taken.

          Section 14. SYSTEMS UNAVAILABILITY. The electronic transfer functionality and/or electronic statements may not be available when systems require maintenance or upgrades or major unforeseen events occur, such as earthquakes, fires, floods, computer failures, interruptions in telephone service, electrical outages, civil unrest or riots, war, or acts or threatened acts of terrorism or other circumstances beyond our control. We have no liability for interruptions or delays in services due to systems unavailability.

          Section 15. MISCELLANEOUS.

          Dormant Card Accounts. You acknowledge and agree that we may be required by applicable law to turn over to a state government authority any funds remaining on your Card after a period of inactivity or dormancy.

          Amendment. We can change this Agreement, including all fees, at any time, and such changes will be binding on you. If required by law, we will post notice of the change on our web site prior to the effective date of the change. However, if the change is made for security purposes or as a result of changes in fees, changes or costs imposed by any party other than us, we can implement it without prior notice. Your use of the Card constitutes acceptance of any amendment implemented by us.

          Our Right to Set-Off. If you ever owe us money as a borrower, guarantor, or otherwise, and it becomes due, we have the right under the law (called set-off) to use the money from your account to pay the debt. We may charge against any of your accounts any debt you owe us, now or in the future, without going through any legal process or court proceedings.

          Termination. We reserve the right to terminate this Agreement or any of the services that are described herein. If we discontinue honoring your Card, you should call us at 1-866-466-8025 for further instructions. You may, at any time, terminate this Agreement, or any of the services to which you subscribe by giving us written notice. Termination will not affect any of our rights or your obligations arising under this Agreement prior to termination.

          Disclaimer of Liability. In providing the Card and related services to you, we disclaim any duty or responsibility other than those expressly set forth in this Agreement.

          Assignment. You may not transfer or assign this Agreement to any other person without our prior written consent. We may assign our obligations to you under this Agreement without your consent or notice to you.

          Severability. If any provision of this Agreement is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.

          Applicable Law. This Agreement is governed by applicable federal laws, rules and regulations. To the extent federal law is not applicable, the laws of the State of Florida govern this Agreement. In the event of any conflict between the provisions of this Agreement and any applicable law or regulation, this Agreement will be deemed modified to the extent necessary to comply with such law or regulation.

          Waiver. We may waive any of the provisions or conditions of this Agreement, but any such waiver will be effective only on that occasion and will not be a continuing waiver or a waiver on any other occasion. We can delay enforcement of any of our rights under this Agreement without losing them.

          Section 16. ARBITRATION. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.

          Agreement to Arbitrate. Either you or we may, without the other's consent, elect mandatory, binding arbitration for any claim, dispute, or controversy between you and us (called "Claims").

          What Claims are subject to arbitration? All Claims relating to your account, a prior related account, or our relationship are subject to arbitration, including Claims regarding the application, enforceability, or interpretation of this Agreement and this arbitration provision. All Claims are subject to arbitration, no matter what legal theory they are based on or what remedy (damages, injunctive or declaratory relief) they seek. This includes Claims based on contract, tort (including intentional tort), fraud, agency, negligence, statutory or regulatory provisions, or any other sources of law; Claims made as  counterclaims, cross-claims, third-party claims, interpleaders or otherwise; and Claims made independently or with other claims. A party who initiates a proceeding in court may elect arbitration with respect to any Claim advanced in that proceeding by any other party. Claims and remedies sought as part of a class action, private attorney general or other representative action are subject to arbitration on an individual (non-class, non-representative) basis, and the arbitrator may award relief only on an individual (non-class, non-representative) basis.

          Whose Claims are subject to arbitration? Not only ours and yours, but also Claims made by or against anyone connected with us or you or claiming through us or you, such as a co-applicant or authorized user of your account, an employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy.

          What time frame applies to Claims subject to arbitration? Claims arising in the past, present, or future, including Claims arising before the opening of your account, are subject to arbitration.

          Broadest interpretation. Any questions about whether Claims are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. This arbitration provision is governed by the Federal Arbitration Act (the "FAA").

          What about Claims filed in Small Claims Court? Claims filed in a small claims court are not subject to arbitration, so long as the matter remains in such court and advances only an individual (non-class, non-representative) Claim.

          How Arbitration Works. How does a party initiate arbitration? The party filing arbitration must choose one of the following arbitration firms and follow its rules and procedures for initiating and pursuing arbitration: American Arbitration Association or JAMS. Anyarbitration hearing that you attend will be held at a place chosen by the arbitration firm in the same city as the U.S. District Court closest to your then current billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration firms and forms and instructions for initiating arbitration by contacting them as follows:

American Arbitration Association, 225 North Michigan Avenue, Suite 2527, Chicago, IL 60601-7601
Web site: www.adr.org

JAMS, 1920 Main Street, Irvine, CA 92614
Web site: www.jamsadr.com

At any time you or we may ask an appropriate court to compelarbitration of Claims, or to stay the litigation of Claims ending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails to exercise these rights at any particular time, or in connection with any particular Claims, that party can still require arbitration at a later time or in connection with any other Claims.

          What procedures and law are applicable in arbitration? A single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least 10 years' experience or a retired or former judge, selected in accordance with the rules of the arbitration firm. The arbitration will follow procedures and rules of the arbitration firm in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Agreement, in which case this Agreement will prevail. Those procedures and rules may limit the discovery available to you or us. The arbitrator will take reasonable steps to protect customer account information and other confidential information if requested to do so by you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party any damages or other relief provided for under applicable law. You or we may choose to have a hearing and be represented by counsel. The arbitrator will make any award in writing and, if requested by you or us, will provide a brief statement of the reasons for the award. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, or on the resolution of any other dispute.

          Who pays? Whoever files the arbitration pays the initial filing fee. If we file, we pay; if you file, you pay, unless you get a fee waiver under the applicable rules of the arbitration firm. If you have paid the initial filing fee and you prevail, we will reimburse you for that fee. If there is a hearing, we will pay any fees of the arbitrator and arbitration firm for the first day of that hearing. All other fees will be allocated as provided by the rules of the arbitration firm and applicable law. However, we will advance or reimburse your fees if the arbitration firm or arbitrator determines there is good reason for requiring us to do so, or if you ask us and we determine there is good reason for doing so. Each party will bear the expense of that party's attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines.

          Who can be a party? Claims must be brought in the name of an individual person or entity and must proceed on an individual (non-class, non-representative) basis. The arbitrator will not award relief for or against anyone who is not a party. If you or we require arbitration of a Claim, neither you, we, nor any other person may pursue the Claim in arbitration as a class action, private attorney general action or other representative action, nor may such Claim be pursued on your or our behalf in any litigation in any court. Claims, including assigned Claims, of two or more persons may not be joined or consolidated in the same arbitration. However, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as one person.

          When is an arbitration award final? The arbitrator's award is final and binding on the parties unless a party appeals it in writing to the arbitration firm within fifteen days of notice of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration firm. The panel will consider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Costs will be allocated in the same way they are allocated for arbitration before a single arbitrator. An award by a panel is final and binding on the parties after fifteen days has passed. A final and binding award is subject to judicial review and enforcement as provided by the FAA or other applicable law.