DashPass Rewards Card Agreement

Doordash DashPass Rewards Visa Prepaid Card

Important notices – you should read these notices carefully.
NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES BE RESOLVED BY WAY OF BINDING ARBITRATION UNLESS YOU OPT OUT AS DETAILED IN THE ARBITRATION SECTION BELOW.

This Cardholder Agreement (Agreement) sets forth the terms and conditions under which Lincoln Savings Bank, member FDIC, has issued the DoorDash DashPass Rewards Visa Prepaid Card to you.

Please read this Agreement carefully and keep it for future reference. By activating the Card or by loading, using, or authorizing the use of the Card, you represent and warrant to us that:

(i) you are at least 18 years of age (or have attained the age of majority if you reside in a state where the age of majority is over 18); (ii) you are a U.S. citizen or legal alien residing in one of the 50 states or the District of Columbia; (iii) the personal information that you provide to us in connection with the Card is true, correct, and complete; and (iv) you received a copy of this Agreement and agree to be bound by and to comply with its terms, including the Arbitration Provision set forth below.

Definitions.

Access Code means your PIN, user ID, password, and any other access code related to your Card Account.

Account Number means the unique number used to identify your Card Account. Please note that your Account Number is different from your 16-digit Card Number.

ATM means Automated Teller Machine.
Business Day means Monday through Friday, excluding federal holidays, even if we are open for business. Any references to “days” found in this Agreement are calendar days unless otherwise indicated.

Card means the prepaid card issued to you by the Issuer pursuant to this Agreement.

Card Account means the account we maintain on your behalf to track your Balance on deposit with us and record transactions made using your Card or by other means set forth herein.

Card Network means Visa, the card network for your Card.The

Card Number is the 16-digit number embossed or printed on your Card.

Issuer means Lincoln Savings Bank. Issuer is a bank chartered under the laws of the State of Iowa and a Member of the Federal Deposit Insurance Corporation (FDIC).

Linked Account means your account at an eligible U.S. bank that you link to your Card Account and use to fund purchases with your Card.

PIN means Personal Identification Number.

We, us, and our mean the Issuer, our successors, affiliates, or assignees.

You, Your, and Cardholder mean the person who has received a Card and is authorized by the Issuer to use the Card as provided in this Agreement.
Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so that the singular includes the plural and the plural includes the singular.

How to Contact Customer Service. For Customer Service or additional information regarding your Card, including the terms, conditions, and fees that apply to the Card, call 1-866-995-2736 (Toll-free within the US)
There is no cost for contacting Customer Service. When you call Customer Service, you may be asked to provide certain personal information so we can verify your identity.

Important Information about Procedures for Opening a New Card Account. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who obtains a Card. What this means for you: when you apply for a Card, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. You must provide us with verifiable identification information. We will use the information to verify your identity and to activate your Card. Please see our Privacy Policy for further information. We will compare your personal identifying information with certain information provided by the U.S. government and other authorities as required by la,w and may, in our sole discretion, decline to activate your Card based on such information. We may make such comparisons from time to time and may, in our sole discretion, cancel your Card at any time.

About the Card. The Card is a prepaid card. The Card is not a credit card. There is no credit line associated with your Card. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a checking or savings account, and you will not receive a checking, savings, or other asset account when you sign up for the Card. At our discretion, we may hold multiple accounts or sub-accounts in a “pooled account” consisting of the aggregate of all funds held for multiple products or programs. The Card is and will at all times remain the property of the Issuer and must be surrendered upon demand. The Card is non-transferable, may not be resold, and may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law. You agree to sign the back of each Card immediately upon receipt. You agree to only use the Card for personal, family, or household purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement or applicable law.

Rewards Program. DoorDash, Inc. (DoorDash) may offer a rewards program that allows you to earn credits or points for use on the DoorDash platform when you use your Card. The rewards program is not offered, administered, or managed by Issuer, and Issuer is not responsible for the rewards program or any credits, points, or other rewards that may be offered by DoorDash. The terms and conditions governing the rewards program are set forth in a separate agreement between you and DoorDash and may be accessed here.

DashPass Rewards Visa Prepaid Card Fee Summary

We charge 0 other types of fees. Here are some of them:

There is no overdraft/credit feature associated with this card.

Funds are FDIC insured through the deposit insurance of Lincoln Savings Bank, which covers depositors in the event of a Lincoln Savings Bank failure and is subject to applicable limitations and restrictions of such insurance. DoorDash is not a bank and is not FDIC insured. Cards must be registered in the name of the primary cardholder. 

For general information about prepaid accounts, visit cfpb.gov/prepaid.

Find details and conditions for all fees and services in the table below. 

List of all fees for DashPass Rewards Visa Prepaid Card

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Monthly usage

Add money​​​​​​​

Spend money​​​​​​

Get cash​​​​​​

Information​​​​​

Using your card outside the U.S.​​​​

Other​​​​

Funds are FDIC insured through the deposit insurance of Lincoln Savings Bank, which covers depositors in the event of a Lincoln Savings Bank failure and is subject to applicable limitations and restrictions of such insurance. DoorDash is not a bank and is not FDIC insured. The card must be registered in the name of the primary cardholder.

There is no overdraft or credit feature.

Please see the “How to Contact Customer Service” section above for ways to obtain additional information about the terms and conditions applicable to the Card and/or give notice of an unauthorized transaction.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Activating Your Card. You must activate your Card before it can be used. You may activate your Card by calling Customer Service (see section above entitled “How to Contact Customer Service”).

Authorized Users. You are responsible for all authorized transactions initiated and fees incurred by use of your Card. If you permit another person to have your Card or Access Code, we will treat this as if you have authorized such use, and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card issued to you or at your request, according to the terms and conditions of this Agreement.

Making Purchases. The Card does not store funds or allow you to load funds onto the Card except as described in the following sentence. To receive a Card and maintain a Card Account, you must designate a Linked Account. When you make a purchase using your Card, your Linked Account will be debited to make a simultaneous load of funds to your Card in the amount of the purchase transaction. You acknowledge and agree that, each time you use your Card, the value available in your Linked Account will be reduced by the amount of the transaction and any applicable fees. You may use your Card to purchase goods or services from merchants that accept Visa cards and have merchant category codes corresponding to business types approved by the Issuer.

You may not use your Card for any online gambling, escort services, or any illegal transaction.

You agree to have sufficient funds in your Linked Account to satisfy all transactions with your Card. We are not obligated to approve any purchase that exceeds funds available in your Linked Account, but if we do, you are responsible for the purchase amount and may incur overdrafts and associated fees. You are responsible for any such overdrafts and fees, regardless of whether you have opted to allow overdrafts with respect to debit cards issued by your bank. When you use your Card, some merchants may preauthorize the transaction amount for the purchase amount plus an additional merchant-imposed percentage to ensure there are sufficient funds available to cover tips or incidental expenses incurred. If you use your Card Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself.

Limitations on Frequency and Dollar Amounts of Transactions. The maximum amount that can be spent on your Card per day is $1,000, and the maximum amount that can be spent on your card per month is $5,000. To the extent permitted by applicable law, we may increase or decrease these limits from time to time or impose limits on the number or frequency of transactions you may make, in our sole discretion.

Loading Your Card. You may not add funds to your Card except as described above in connection with a purchase. The Card cannot store funds. The card is connected to your Linked Account, and funds from the Linked Account are loaded onto the Card at the time you make a purchase.

PIN. After you activate your Card, you will have an opportunity to choose a PIN. You may keep the PIN assigned to you or set your own unique PIN. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others, and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately by following the procedures described below in the section entitled “Your Responsibility and Liability for Unauthorized Transfers”. If you have forgotten or lost your PIN, you may call Customer Service for assistance (see the “How to Contact Customer Service” section above).

Account Management. It is your responsibility to safeguard your Card and any user identification, password, and any other credentials used to access your Card on our website or Mobile App. You are responsible for any activity occurring on your Card (including, without limitation, any activity by other users that you permit to use your Card or any credentials used to access your Card), except as otherwise provided by applicable law or this Agreement. If you become aware of any unauthorized access to your Card, please call Customer Service (see section above entitled “How to Contact Customer Service”) immediately. See below for additional details on how you can limit your potential liability for unauthorized use of your Card.

Fraudulent Card Account Activity. We may block or cancel your Card Account if we reasonably believe your Card Account is being used for fraudulent, suspicious, or criminal activity or any activity that is inconsistent with this Agreement. We will incur no liability because of the unavailability of the funds that may be associated with your Card Account.

No Warranty. We are not responsible for the delivery, quality, safety, legality, or any other aspect of the goods and services purchased from merchants with the Card. All disputes concerning those matters should be addressed to the merchants from whom the goods and services were purchased. Merchants have no authority to make representations or warranties on our behalf, to bind us, or to enter into any agreement on our behalf. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT OR REQUIRED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

Receipts. You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.

Returns and Refunds on Transactions. If you have a problem with a purchase that you made with your Card or if you have a dispute with the merchant, you must handle it directly with the merchant. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree that the merchant may credit your Card Account for such refunds and agree to the refund policy of that merchant. You may be required to provide information about your Card to receive a refund. We have no control over when a merchant sends a credit transaction to us. If a refund is not credited to your Card Account within the timeframe stated in the merchant’s return or refund policy, contact Customer Service. Refunded amounts will be credited to your Card Account and then transferred to your Linked Account.

Errors, Overpayments, and Adjustments. We may deduct funds from your Card Account, which will be taken from your Linked Account, to correct an error or overpayment to you in accordance with applicable law.

Data Use. We will disclose information to third parties (1) about you as part of your application for a Card and (2) about transactions made on your Card Account. We may also disclose information for other reasons as described in our privacy policy set forth here.

Card Replacement. If you need to replace your Card for any reason, please call Customer Service (see the “How to Contact Customer Service” section above). You will be required to provide personal information, which may include your Card number, full name, transaction history, and other pertinent information.

Card Expiration. Subject to applicable law, you may use your Card only through the Card expiration date. The expiration date is identified on your Card. If your Card and your Card Account are in good standing, we may issue you a new Card at or prior to expiration.

Statements. You will receive a link to access your monthly statements on your Card Account via email.

Important Information Regarding Your Rights and Responsibilities.

Confidentiality. We may disclose information to third parties about your Card or the transactions you make:

• Where it is necessary for completing transactions;

• In order to verify the existence and condition of your Card for a third party, such as a merchant;

• In order to comply with government agency, court order, or other legal reporting requirements;

• If you consent by giving us your written permission;

• To our employees, auditors, affiliates, service providers, or attorneys as needed;

• To DoorDash for administering its rewards program; or

• Otherwise, as necessary to fulfill our obligations under this Agreement.

Our Liability for Failure to Complete Transactions. If we do not properly complete a transaction with respect to your Card on time or in the correct amount according to our Agreement with you, 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 funds available in your Card Account to complete the transaction (including because there are insufficient funds in your Linked Account or the debit from your Linked Account to fund your Card Account fails for other reasons);

• If a merchant refuses to accept your Card;

• If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;

• If access to your Card Account has been blocked after you reported your Card lost or stolen;

• If access to your Card Account has been blocked by us for suspected fraud;

• If there is a hold on your funds or your funds in your Card Account are subject to legal process or other encumbrance restricting their use;

• If we have reason to believe the requested transaction is unauthorized;

• If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken, or

• Any other exception stated in our Agreement with you excludes us from such liability.

IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT WILL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT, OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE REQUIRED BY LAW OR THIS AGREEMENT, WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; ANYTHING WE DO WHEN FOLLOWING YOUR INSTRUCTIONS; OUR FAILURE TO FOLLOW YOUR INSTRUCTIONS IF WE REASONABLY BELIEVE THAT YOUR INSTRUCTIONS WOULD EXPOSE US TO POTENTIAL LOSS OR CIVIL OR CRIMINAL LIABILITY; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICES, OR ANY PAYMENT SYSTEM. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW.

Your Responsibility and Liability for Unauthorized Transfers. You agree to exercise reasonable control over your Access Code(s) and your Card. Call Customer Service (see the above section entitled “How to Contact Customer Service”) AT ONCE if you believe your Card has been lost or your Card or Access Code(s) have been stolen, or if you believe that an electronic funds transfer has been made without your permission. Contacting us by telephone as soon as possible is the best way to minimize your possible losses.

Also, if you become aware of and/or your electronic history shows transactions that you did not make, including those made by Card or other means, call Customer Service (see above section entitled “How to Contact Customer Service”) at once. If you do not notify us within sixty (60) days after we send or make available the first periodic statement that shows the unauthorized transaction, then you may not get back any money you lost after the sixty (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 may extend the time periods at our discretion.

In the event you lose your Card or if it’s stolen, we will block the Card as soon as we have been notified by you. Please report this immediately by calling Customer Service (see the section above entitled “How to Contact Customer Service”). The card will be reissued and mailed to you; however, the expiration date may be the same as the original issued expiration date.

You agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. If you share your Card or Access Code(s) with another person, use of your Card Account by that person may be considered authorized. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law.

Card Network Zero Liability Policy – Guidelines and Limitations. In addition to your limitations of liability under the “Your Responsibility and Liability for Unauthorized Transfers” section above, your liability for the unauthorized use of your Card Account may also be limited by the Card Network. Subject to the limitations and exclusions stated below, under the Card Network’s rules, you will have no liability for a transaction that was not authorized by you if you exercised reasonable care in safeguarding the Card from risk of loss or theft, and, upon becoming aware of such loss or theft, promptly reported such loss or theft to us by calling Customer Service (see the section above entitled “How to Contact Customer Service”). The Card Network’s Zero Liability Policy is subject to change without notice, and changes made by the Card Network will automatically apply to your Card Account.

In Case of Errors or Questions About Your Card Transactions. Call Customer Service (see the section above entitled “How to Contact Customer Service”) as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you call, you will need to:

• Provide your name and Card Number or Account Number.

• Describe the error or transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and

• Specify approximately when the error took place.

If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question.

If we need more time to investigate your complaint or question, we will credit your Card Account within ten (10) Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. This type of credit is referred to as a “provisional” or “temporary” credit. If we ask you to put your transaction dispute in writing and you do not provide it within ten (10) Business Days, we may not provide a provisional credit to your Card Account.

For errors involving new Cards or point-of-sale transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Card Accounts, we may take up to twenty (20) Business Days to credit your Card Account for the amount you think is in error.

We will tell you the results within three (3) Business Days after completing the 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 or obtain more information about our error-resolution procedures by calling Customer Service (see the “How to Contact Customer Service” section above).

Recording and Monitoring. From time to time, in accordance with applicable law, we may monitor and/or record telephone calls between you and us or our vendors and third-party service providers to assure the quality of our customer service or as required by applicable law.

Address or Name Changes. You are responsible for notifying us of any change in your physical address, mailing address, email address, telephone number, or your name no later than two (2) weeks after said change. Any notice of change of address or name required by this Agreement may be provided to us by calling our Customer Service number or by writing to our Customer Service address (see the section above entitled “How to Contact Customer Service”). We may require verification from you of any address change. Typically, this will be in the form of independent documents confirming your name and new address. We will attempt to communicate with you only by use of the most recent contact information you have provided to us. You agree and understand that any notice or communication sent to you at an address noted in our records shall be effective unless we have received an address change notice from you.

Contacting You

You agree that we or any of our service providers or agents may contact you for any non-telemarking purpose related to your Card Account, including debt collection, at any telephone number (including any wireless number) or email address associated with your Card Account. You understand that your wireless carrier may charge you for such calls and messages. These calls or texts may be made using an automatic dialing system or prerecorded voice message. You may opt out of receiving autodialed or prerecorded voice messages by calling Customer Service (see the section above entitled “How to Contact Customer Service”). Even if you opt out, we may still communicate with you by other means. You agree that the email address you provide to us is secure and confidential and that we may use it to communicate with you concerning any matter, including communications regarding unpaid debit items that we or our service providers may be attempting to collect.

Amendment, Cancellation, and Expiration. We may (a) amend or change the terms and conditions of this Agreement, or (b) cancel or suspend your Card Account or this Agreement, at any time without prior notice to you except as required by applicable law. You may close your Card Account and terminate this Agreement at any time by contacting us by telephone (see the section above entitled “How to Contact Customer Service”). Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. If we permit transactions on your Card to be completed after this Agreement has been cancelled, you will be responsible for such transactions. For security or other reasons, we may consider your Card and Card Account inactive or dormant after a certain period of inactivity to be determined by us. If your Card and Card Account are inactive, we may close or cancel the Card and Card Account at our discretion.

Assignment, Choice of Law, and Other Terms. Your Card, your Card Account and your obligations under this Agreement may not be assigned by you. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other network or association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of the State of Virginia, except to the extent governed by federal law. You must file any lawsuit or arbitration against us within two (2) years after the cause of action arises, unless federal or state law provides for a shorter time. If applicable law does not permit contractual shortening of the time during which a lawsuit must be filed to a period as short as two (2) years, you and we agree to the shortest time permitted under that state’s laws.

Arbitration.

ACTIVATION OR USE OF YOUR CARD ACCOUNT OR CARD CONSTITUTES ACCEPTANCE OF THIS ARBITRATION, INCLUDING WAIVER OF YOUR RIGHTS TO CLASS ACTION.

Purpose. This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.

Opt-Out Process. You may choose to opt out of the Arbitration Provision, but only by following the process set forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the acceptance of your Card at the following address: PO Box 1124, Sioux Falls, South Dakota, 57101.

Your written notice must include your name, address, Card Number or Social Security number, and a statement that you wish to opt out of this Arbitration Provision.

Definitions. As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, crossclaims, and third-party claims and claims based upon contract, tort, fraud, and other intentional torts, statutes, regulations, common law, and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, without limitation, any claim, dispute, or controversy that arises from or relates to: (i) your Card; (ii) the amount of available funds in your Account; (iii) advertisements, promotions or oral or written statements related to your Card, goods or services purchased with your Card; (iv) the benefits and services related to your Card; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality, so long as the Claim is individual and pending only in the court. As used in the Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Issuer, wholly or majority-owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors, and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with your Card (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms “you” or “yours” shall mean all persons or entities approved by us to have and/or use the Card, including but not limited to all persons or entities contractually obligated under this Agreement.

Significance of Arbitration. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

Restrictions on Arbitration. If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders, or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

Initiation of Arbitration Proceeding/Selection of Administrator. Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the Judicial Arbitration and Mediation Services (“JAMS”) or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select either of the other organizations listed to serve as the arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.

Arbitration Procedures. This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the requesting party, within fifteen (15) days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator, who shall notify the parties of his/her decision within twenty (20) days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel, which will conduct an arbitration pursuant to its Code and issue its decision within one hundred and twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding.

Location of Arbitration/Payment of Fees. Any arbitration hearing that you attend shall take place in the federal judicial district of your primary residence. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative, and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

Continuation. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors, and assigns. This Arbitration Provision is binding upon and benefits us, our successors, and assigns, and related third parties. This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement, or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

English Language Controls. Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

Entire Agreement. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. If any of the terms of this Agreement are invalid, or declared invalid by order of court, change in applicable law, or regulatory authority, the remaining terms of this Agreement shall not be affected, and this Agreement shall be interpreted as if the invalid terms had not been included in this Agreement.

The Card is issued by Lincoln Savings Bank, Member FDIC, pursuant to license by Visa U.S.A., Inc. Visa is a registered trademark.

© Lincoln Savings Bank. This Agreement is effective as of June 30, 2025.