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CREDIT CARD PROMOTIONAL TERMS

Subject to the MAJORITY Terms of Service (“MAJORITY Terms”), you are eligible for a discount on your MAJORITY Membership Fee as set forth below if you apply for and obtain a MAJORITY Visa® Credit Card issued by WebBank (“Credit Card”).

If you activate your Credit Card within 30 days of creating your MAJORITY App Account and keep your Credit Card account open for 4 subscription periods, you are eligible to receive your MAJORITY Membership Subscription for free during the first four (4) subscription periods of your Credit Card account.

If you activate your Credit Card more than 30 days after creating your MAJORITY App Account and keep your Credit Card account open for 12 (twelve) subscription periods, you are eligible to receive $2.00 off your MAJORITY Membership Fee for the first 12 (twelve) subscription periods starting from the date you activate your Credit Card.

Capitalized terms not defined have the meaning set forth in the MAJORITY Terms.

App

About

The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Majority Payment Services LLC (NMLS # 1991596) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, phone 888-784-0136.

Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/

The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.

*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.

**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

MAJORITY, 2509 N. Miami Avenue #101, Miami, Florida 33127