IMPORTANT INFORMATION REGARDING YOUR APPLICATION

Hear Both Sides.

Then Decide for Yourself

Mark and Joel share their points of view on payment methods, cash flow, and their businesses.

IMPORTANT INFORMATION REGARDING YOUR APPLICATION

Annual Fee Late Payment Fee The annual fee of $185 for the Basic Plum Card is waived for the first year of your membership.† Annual fees for additional Plum Cards are $0 for the first additional Plum Card and $45 for each additional Plum Card. Varies from state to state, from zero to the greater of $39 or 1.5% of the delinquent balance and $39 or 2.99% of the seriously delinquent balance. All charges made on this Charge Card are due and payable when you receive your billing statement.

†The first year annual fee is waived for new Card applicants only. If you transfer an existing account to the Plum Card, you are not eligible for the first year fee waiver.

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Our Agreement By submitting this application, I as an individual and the Authorizing Officer of the Company (a) request that you open an account ("Account") in the name of the Company and in my name, (b) request that Card(s) be issued on that Account as indicated on this application, (c) understand that you will renew and replace the Card(s) until I cancel, (d) agree to be individually, jointly and severally liable for all charges to the Account made by all Cards issued on the Account now or in the future, (e) agree on behalf of the Company and myself to be bound by the agreement governing the Account ("Cardmember Agreement"), and (f) REPRESENT THAT THE CARD(S) WILL BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. I understand that the Cardmember Agreement includes an arbitration provision, which impacts my opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. I understand that the Cardmember Agreement also provides, among other things, that (i) the Account terms, such as fees, are subject to change and (ii) I am personally responsible for payment for all charges on the Account and the Company is also jointly liable for all such charges. I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange information about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any information obtained about me for marketing and administrative purposes.

1. Early Pay Discount Pay your balance in full within 10 days of the statement closing date and get a 1.5% discount on eligible purchases made that month. The discount will appear as a credit on the following billing statement.

2. Defer Pay Option If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment or amounts past due by the "Please Pay By Date" on that statement, you may defer payment of the remainder of that balance until the closing date of your next billing cycle without penalty.

3. No Pre-Set Spending Limit The Plum Card® has no pre-set spending limit, which gives you purchasing power that adjusts with your use of the Card and other factors. No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit card record and financial resources known to us, and other factors.