Statement Disclosure

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT

Grace Period on New Purchases

You can avoid Late Charges on new Purchases that are posted to this statement if your Previous Balance is zero (or a credit balance) and we receive full payment of the New Balance by the Payment Due Date. If so, you have from the date you made your purchases until the payment Due Date on the front to avoid any charges on that purchase. If your Previous Balance is greater than zero, there is no time period to pay the New Balance and avoid additional charges.

Making Your Payment.

Your payment is due on or before the Payment Due Date shown on your statement. You must pay the Outstanding Balance, payable in U.S. dollars and deposit in the U.S. You may make payments electronically through our mobile application or website (the “Platform”) by logging into your account on the Platform. By using this channel, you are authorizing us to withdraw funds as a one-time electronic fund transfer from your bank account. You must submit the payment instruction for an electronic debit to your account to us before midnight Eastern Standard Time on the Payment Due Date for us to credit your payment as of that day.

Annual Fee

Your account has an annual membership fee, you are responsible for it every year the account is open. We will add your annual membership fee to your monthly billing statement once a year, whether or not you use your account. Your annual membership fee will be added to the purchase balance. The annual membership fee is non-refundable, unless otherwise specified herein or in the Cardholder Agreement. Your payment of the annual membership fee does not affect our rights to close your account and to limit your right to make transactions on your account. If your account is closed by you or us, the annual membership fee will no longer be billed to your account.

Credit Bureau Reporting

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, please write us at hello@atlascard.com

Billing Rights

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act and applies to all credit card accounts.

Account Renewal Information for Open Accounts

If your account has an Annual Fee and it is billed on this Statement, we will reverse the fee if you cancel your account and pay off any existing Balance within 30 days of receipt of this Statement. Otherwise, the Annual Fee is non-refundable. You may continue to use your account

during the 30-day period before you cancel. To cancel, write us at the Billing Inquiries address or call us at the phone number on the front.

Your Liability

Our records show that you are liable for any outstanding balance on this account if your name appears on the front of this statement or you otherwise agreed.

Report a Lost or Stolen Card Immediately

Call the 24-hour toll free number 1 (650) 539-2701. Do not use your account after you report a lost or stolen card.

Cardholder Security Plan™

If you have questions about your enrollment or need to file for benefits, please call the applicable toll free number below (Monday-Friday, 8:00 a.m.-10:00 p.m. Eastern Time): Cardholder Security Plan - 1 (650) 539-2701.

Service for Hearing-Impaired (TTY/TDD)

Contact our service for the hearing-impaired at 1 (650) 539-2701.

Pay on-line at app.atlascard.com or via the Atlas App.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT:

If you think your Statement is wrong, there is an error on your Statement or if you need more information about a transaction on your Statement, email us at hello@atlascard.com or mail at our address below with the Subject Line “Credit Card Dispute”

Write to us a soon as possible.

In your email, give us the following information:

Account Information - Your name and Account number.

Dollar Amount - The dollar amount of the suspected error.

Description of Problem - Describe the error and explain if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

You must contact us:

Within 60 days after the error appeared on your statement.

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You may notify us of any potential errors in email or by calling us. If you call, we are not required to investigate and you may need to pay the amount in question if you do not submit the dispute in writing. You may still be required to pay the amount(s) in question if we determine the transaction is not an error. If you believe fraud has occurred on your account, please contact us as soon as possible at hello@atlascard.com or 1 (650) 539-2701.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR WRITTEN NOTICE:

When we receive your letter, we must do two things:

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error; and

Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question, or report you as delinquent on that amount.

The charge in question may remain on your statement.

While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

We can apply any unpaid amount against your spending limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any other fees related to that amount.

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow these rules, we cannot collect the first $50.00 of the questioned amount, even if your bill was correct.

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CARD PURCHASE:

If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:

The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.

You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your Account do not qualify.

You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, email us at hello@atlascard.com with the Subject Line “Credit Card Dispute”

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

IMPORTANT CREDIT BUREAU REPORTING INFORMATION REQUIRED BY FEDERAL LAW TO BE DISCLOSED TO YOU WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

For address changes, you may access your account online at: app.atlascard.com, the Atlas App, call 1 (650) 539-2701 or write your address changes below.

If you choose to call the number provided, you must have your credit card present. Please include your account number to ensure accurate processing.

Address

City State Zip

Home Phone Work Phone

E-mail Address

By providing us with your e-mail address, you agree that we may communicate with you by electronic mail.

Prompt Crediting of Payments

We will credit any payments as of the date we receive it as long as it is mailed with the enclosed payment coupon and received by us no later than 5:00 PM at the address listed above. Crediting of all other payments may be delayed up to 5 days. All payments must be in the form of a check or money order drawn in U.S. dollars on a financial institution located in the U.S. or the U.S. Post Office or made by electronic funds transfers.