CARDMEMBER AGREEMENT
General Information: This Cardmember Agreement and the Important Disclosures About Your Sunbit Card (" Important Disclosures ") (together, the " Agreement ") is the agreement for your Sunbit credit card account issued by TAB Bank (your " Account "). Key terms are defined throughout this Agreement, including in the "Definitions" section, below. The words " we ," " us, " " our " and " TAB Bank " each mean Transportation Alliance Bank, Inc. d/b/a TAB Bank, and its successors and assigns. The word " Sunbit " means Sunbit Now, LLC, dba Sunbit, the company that assists TAB Bank in servicing your Account. (We may allow Sunbit and/or other third parties to exercise our rights on our behalf.) The words " Cardmember ," " you " and " your " each mean all persons whom we approve to use the Account, and any person who agrees to be responsible for payment of the Account. Please keep a copy of the Agreement for your records and read it carefully.
Arbitration Notice: SECTION 33 OF THIS AGREEMENT IS AN ARBITRATION PROVISION WHICH WILL APPLY TO YOU UNLESS (1) YOU ARE A MEMBER, OR A DEPENDENT OF A MEMBER, OF THE ARMED FORCES ON THE DATE YOU OPEN THIS ACCOUNT, OR (2) YOU REJECT THE ARBITRATION PROVISION AS PROVIDED IN SECTION 33. IF APPLICABLE, THE ARBITRATION PROVISION WILL SIGNIFICANTLY AFFECT YOUR RIGHTS IF A DISPUTE ARISES BETWEEN YOU AND US. FOR EXAMPLE, YOU WILL NOT BE ABLE TO BRING OR PARTICIPATE IN A CLASS ACTION RELATING TO MATTERS ARISING UNDER THIS AGREEMENT.
Definitions: The following terms as used in this Agreement mean the following:
" Annual Percentage Rate " or " APR " means the rate, disclosed as a percentage, used to calculate interest charges for your Account.
" Card " means any credit card, Account number, virtual account or other access device issued by us to you, or any other form of access device that can be used to access credit on your Account.
" Credit Limit " means the maximum amount of credit that can be accessed using your Account.
" Daily Periodic Rate " or " DPR " means the APR divided by 365 .
" Minimum Payment Due " means the minimum amount you must pay us by the applicable Payment Due Date for your Account to remain in good standing. Your Minimum Payment Due will be shown on each Statement.
" Payment Due Date " is the date shown on each Statement by which you must pay at least the Minimum Payment Due shown on such Statement.
" Purchase " means using your Card (including through a mobile device or mobile wallet) to purchase or lease goods or services. "Purchases" generally include any credit adjustments related to a Purchase.
" Statement " means a periodic billing statement we will provide to you if and as required by applicable law.
Acceptance and Use of This Account; Promise to Pay: By accepting a Card, activating or using the Account, or allowing someone else to do so, you agree to and accept the terms of this Agreement, as such terms may be changed from time to time by us. You may use your Account only for personal, family, or household purposes, and not for any business, commercial or investment purpose. You should sign the back of your Card before using it. You promise to pay us the amount of all transactions, interest, fees, if any, and other amounts charged to your Account.
