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E-Sign Policy

Consent to Electronic Delivery

Neu Money, Inc. is doing business as “Neu”. You are applying for a Neu Card. If you consent to this Consent Statement for this Program, it applies even if you do not obtain (or are not offered) a Neu Card.

You have the right to receive legal disclosures, notices, and communications (together, the “Covered Items”) in paper form by mail. We may instead provide these Covered Items to you electronically if you give us your Consent to do so and satisfy the System Requirements below.

For purposes of this Consent Statement, the Covered Items include all servicing and collection communications on your account, as well as all legal disclosures, notices and communications that Neu Money is required to provide in writing regarding the account.

In this Consent Statement, “we,” “us,” and “our” refer to: (1) Cross River Bank, the creditor of Neu Money, (2) the servicer of Neu Money credit cards, and (3) their service providers.

Duration of Consent

Your Consent will remain effective until:

you or we have terminated the Program or your Card, or
you opt-out of electronic communications.

If you terminate your Card, your Consent will continue with respect to the pre-termination rights of Neu Money (including rights created by your Consent to this Consent Statement). See your cardholder agreement for information on how to terminate your Card or contact customer service at support@neumoney.app

Methods of Providing Covered Items

In this document, “provide” means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through our mobile app or through files, including those in PDF format, downloaded from our website and/or our mobile app. It is your responsibility to review the Covered Items promptly, so you can take appropriate action.

Access to Paper Copies

You may make copies of the Covered Items by using the “print” or “save” functionality of the application in which you are viewing the Covered Items (e.g. Web browser, Adobe®️ Reader®️ software). We retain copies of the Covered Items for the time periods required by law and will provide you with copies upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items to ensure you have them when needed.

You may request a paper copy at no cost of any Covered Item by calling us at 1-844-638-3425 or emailing us at support@neumoney.app

Our Right to Send Paper

We reserve the right to provide the Covered Items in paper form at all times at our discretion even if you have given us Consent to provide it electronically.

System Requirements

In order to access and retain the Covered Items, you must have a computing or communications device with:

a working Internet access,
a Web browser that supports 128-bit encryption,
16 MB of available memory (32 MB of RAM recommended), and
a program that can view, save and print PDF files.

By providing us your Consent, you confirm you meet all of the above System Requirements.

Withdrawing Consent

You are free to withdraw Your Consent at any time and at no charge to you. If you do withdraw Your Consent prior to the approval of your application, this will prevent you from receiving credit from us over the Internet or via our mobile app. If at any time you wish to withdraw Your Consent, you may do this by emailing us at support@neumoney.app. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of any prior electronic Disclosures will not be affected.

Acknowledging Ability to Access and Consenting to Electronic Communications

By confirming that you have read and agreed to these terms, you are confirming that:

you have access to a computer system that meets the requirements set forth above,
you agree to receive Covered Items electronically, and,
you are able to access and print or store information presented to you.

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.

Cardholder Agreement

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	0%
APR for Balance Transfers	Balance transfers are not available for your Card.
APR for Cash Advances	Cash Advance is not available for your Card.
Penalty APR and When it Applies	We do not charge a penalty rate.
How to Avoid Paying Interest on Purchases	Your due date is 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	We do not charge a minimum interest amount.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore

Fees
Annual Fee/Set-up and Maintenance Fees	Annual Fee: There is no annual fee for your Card. Account Set-up Fee: There is no account set-up fee for your Card. Subscription Fees $4 for $200 Credit Limit Card (Neu Grow) $7 for $350+ Credit Limit Card (Neu Grow and Expand)
Transaction Fees	Balance Transfer: Balance transfers are not available for your Card. Cash Advance: Cash Advance is not available for your Card. Foreign Transaction: Foreign transactions are not available for your Card.
Penalty Fees	Late Payment: We currently do not charge any late payment fee. Over the Credit Limit: We do not charge you a fee for going over your credit limit, but your credit score may be adversely affected, and the transaction may be declined, depending on the amount of the overage. Returned Payment: Up to $35
Other fees:	None

How We Will Calculate Your Balance: We use a method called “daily balance”.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

This Neu Money “Neu” Card Cardholder Agreement (“Cardholder Agreement”) contains the terms and conditions under which the Neu Money “Neu” Visa Card (the “Card”) is issued to you by Cross River Bank, Member FDIC. Neu Money, Inc. (“Neu Money”) is the program manager for the Card program. Please review this Cardholder Agreement in detail to be sure you understand all of the terms and conditions with using this credit Card and keep a copy for your records.

There are three parts to this Cardholder Agreement (collectively, the “Agreement”): the Customer Agreement, your Billing Rights in Appendix A, and the Additional Disclosures in Appendix B. The Customer Agreement contains important information related to how we will administer the Card program. Any other disclosures or notices that are referenced herein or issued hereunder are also part of this Agreement. Your Billing Rights summarizes certain rights provided to you by law that are related to billing on your Card account (“Account”). The Additional Disclosures provide further disclosures pursuant to state law.

THIS CARDHOLDER AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS UNLESS YOU (1) ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT OR (2) EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED IN THE ARBITRATION PROVISION OF THIS AGREEMENT.

CUSTOMER AGREEMENT

Welcome to the Neu Money “Neu” Card issued by Cross River Bank.

Thank you for opening an online credit Card Account with us. This Customer Agreement contains the terms for your Card.

Some Definitions

The meanings of the terms you see capitalized appear in the Glossary Section. We will also use the following personal pronouns: “you,” “your,” and “yourself” mean each person responsible for complying with this agreement, including the applicant for the Account; any person to whom we address billing statements; any person responsible for paying the Account; and anyone you authorize to use, access or service the Account.

“We,” “us,” “our,” “Cross River Bank,” and the like means Cross River Bank, Member FDIC; and its successors and assignees.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW 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 opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth (for individuals), and other information that will allow us to identify you. We may also ask to see your driver’s license (for individuals) or other identifying documents.

Things You Should Know About This Card

How much is the Interest Charge?

Congratulations for selecting this card. Your interest rate is 0%.

Can You Change My Account Terms?

We can change terms of your Account except as prohibited by law, including adding, deleting, or amending any term. If we do change any term(s) of this Cardholder Agreement, we will provide you notice as required by applicable law.

Account Documents

The following documents are applicable to your Account:

this document;
all Statements;
any privacy notices describing our limitations on sharing information about you with others;
any Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. The most current version of your Card benefits brochure will replace all prior versions;
all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures;
all other documents and disclosures relating to your Account including those provided online; and
any future changes we make to any of the above documents.

Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original.

New Offers

In the future, we may make new offers to you or forward offers from others that we think you might be interested in. These offers may have different terms and documentation which will be provided when we make you the offer. If you accept an offer, all previously disclosed terms will still apply except as modified by the offer.

Account Information and Contact

We need information about you to manage your Account. The information we need may include:

your legal name;
a valid U.S. mailing address and residential address (if different);
your date of birth;
your Social Security Number, Passport Number, and/or other government identification number, if available;
your telephone number(s);
your employment, income, and asset information;
your educational history and information;
your citizenship status and information; and
other related information as deemed necessary.

You must promptly notify us of any change to your name, mailing or email address, or phone number by contacting us. We may rely on your email address or mail address as it appears on our records and any email address that you associate with your Neu Money “Neu” Card for any and all Account communications we send to you unless and until you notify us of any changes. We may also, in our sole discretion, update your mailing address if we receive a notification of change from the U.S. Postal Service. You may also update some of this information by logging onto your Account via the App or by calling one of our representatives at the telephone number provided on your Statement or in the App. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified, if you do not link a qualifying bank account which is required to make your monthly minimum payment and subscription fee, if a duplicate account using your information is located, if you don’t select a subscription plan, or if you do not provide additional information as requested.

You agree that we may contact you using any technology and methods of our choice. This includes using an automated telephone dialing system or other similar system to contact you by email, text message, device-level notification, or other electronic notification method supported by the software you use to access your Account. We may use any telephone numbers (including wireless, landline and voice over IP numbers) or email addresses that you give to us. You understand and agree that anyone with access to your telephone or email account may listen to or read the messages that we leave or send you. You agree that we will not be liable for any charges that you incur in connection with emails, text messages, device level notifications or other communications that we or our agents and representatives send to you. You agree to notify us immediately if you change telephone numbers or are no longer the subscriber or usual user of a telephone number that you give to us. You agree that we may monitor, record, retain and reproduce your telephone calls and other communications with us. At any time, you can withdraw your consent to receive text messages through a telephone network (e.g., SMS) or to receive calls through a telephone network. To revoke your consent, you must contact us in accordance with this Agreement.

You also give us permission to verify or research, with or without a third party, the information you provide to us. This permission includes, without limitation, verifying or researching your information with that of any or multiple third-party identification and/or verification service(s)and/or the United States Department of the Treasury.

The Neu Money “Neu” Card

Check with your mobile service provider about charges for data, text messages, and internet access needed to access the Neu Money App. When a new version is available, or for critical updates, you may need to visit the app store that provides apps for your device.

Your Neu Money “Neu” Card Account eligibility is based upon our ability to authenticate you. If you are eligible for a Neu Money “Neu” Card, you will receive online Card credentials (Card number, expiration date and CVV) that you can use. If you are approved for a Neu Money “Neu” card, you must select a subscription plan to activate and use your online Card credentials. Your Neu Money “Neu” Card can be added to your digital wallet and used to make in-person purchases anywhere your digital wallet is accepted and a physical card will not be required. The Neu Money “Neu” Card can be used to make online purchases anywhere Visa is accepted, subject to the restrictions of this Agreement (see “Using your Account” below). Using the Neu Money App allows you to view your balances, credit limit, and recent transactions, to make payments, and more.

Use of certain features of the Neu Money App may have further eligibility requirements as permitted by us or by applicable law. Certain features of the Neu Money App may be limited depending on the state in which you reside, the date on which you created your Account or other factors. We may revoke or suspend your Card or any features or services of your Card at any time without cause or notice.

The Card is not designed for business use, and we may cancel your Card if we determine that it is being used for business purposes.

Credit Limit

When you open your Neu Money “Neu” Card Account, you will receive your initial credit limit. Your credit limit will also appear on your Statements. You are responsible for keeping track of your Account balances and your available credit limit. Do not allow your Account to go over any credit limit, as the transaction could be declined, or your credit score could be adversely affected. We may still honor transactions above your credit limit, but our honoring of these transactions will not increase your credit limit. We may also change, restrict, or cancel, your credit limit at any time. This will not affect your obligation to pay us for any obligations you incurred until, or after, such change, restriction or cancellation.

If you are subscribed to the Neu Grow & Expand plan, you should know that:

We will assess the highest credit limit that you may qualify for at the time of application.
After a period of 6 months from card activation, we will review your Neu Money account activity every month to assess whether you are eligible for an automatic credit limit increase. We will increase your credit limit by a fixed amount each month, if you continue to fulfil the conditions that make you eligible for the automatic credit limit increase.
If you qualify for the automatic credit limit increase, we will notify you, at the email address we have on file, how much the increased amount will be, and what your new total credit limit is.
The maximum credit limit for the Neu Grow & Expand plan is the lower of $1,000 or the highest credit limit amount that you initially were approved for.

Subscription Fee

When you open your Neu Money “Neu” Card Account, you are charged a non-refundable monthly subscription fee, which will be disclosed on your Statement and is based on the credit limit offered to you. This subscription fee is charged at the beginning of each billing cycle whether you use your Card or not. If you close your account, or if we close your account at our discretion, the non-refundable monthly subscription fee will continue to be assessed on your account each month until you pay off any balance owed in full.

Using your Account

You promise to follow the terms of this Agreement as long as your Account remains open or has a balance, or until you have discharged all of your obligations under this Agreement, whichever occurs later. Any physical card you may receive, if we decide in our sole discretion to provide such card in the future, must be signed when you receive it. The card will be valid during the dates provided on the front.

You acknowledge that your account is for individual use only and that you cannot have more than one active account at any time. If we find that you have created more than one account, we reserve the right to close these accounts at any time. You further acknowledge that you must link a qualifying bank account in your name before you can use your account. We may ask you to provide proof of account ownership for the bank you are trying to link in the form of an external bank statement if we need to verify this information at any time. If you do not link a qualifying bank account, or if you attempt to link a bank account that is not in your name, or if you fail to provide proof of account ownership for your linked account after we’ve requested it, we reserve the right to close your account.

When you link an external bank account to your Neu Money “Neu” Card Account, you agree to and accept the terms and conditions of our bank linking partner, Finicity. You can view Fincity’s Terms of Use at any time here: https://connect2.finicity.com/assets/html/connect-eula.html. If you do not accept Fincity’s Terms of Use, you cannot use these services.

You should take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason. Unless we tell you otherwise, we will bill each transaction to your Account and apply it against your available credit limit for the Account and Card in each Billing Cycle.

You must not use, or try to use the Card for any Internet gambling transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, escort services, or transactions that are illegal or not permitted by us. You will still be responsible for such transactions if you do. We reserve the right to decline any transaction that we believe is an illegal transaction, a transaction in violation of this Agreement, or a high-risk transaction. To the fullest extent permitted by law, you agree that we are not responsible for the recovery or reimbursement to you of any funds transferred in connection with any transaction authorized by you that is determined to be illegal. In addition, these transactions will be subject to this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and expenses. You agree that it is your responsibility to determine the legality of each transaction in all applicable jurisdictions before entering into such transaction. Display of the Visa logo or any other logo by any person accepting the Card does not indicate that the transaction is legal in all applicable jurisdictions.

From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters, or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens.

Protecting your Account Information and Credentials

You are solely responsible for maintaining the security of your Card, your electronic devices and their passcodes, and any other authentication credentials used in connection with your Account (collectively, your “Credentials”). If you authorize or allow anyone else to use your Account (e.g., by providing the passcode to your device, allowing a third party to set up facial or touch identification, or otherwise providing any of your Credentials to a third party), the person may be able to make Transactions using your Account, and you will be liable for all Transactions made on your Account by that person.

Your Promise to Pay

You promise to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card number without presenting your Card (including, without limitation, mail, telephone, or internet purchases), this will be treated the same way as if you used the Card in person. You should receive a receipt from the merchant at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.

If you let someone else use your Card, you are responsible for all transactions that person makes. Your promise to pay us will apply to your estate if you die.

Statements

We will send you a Statement for the Card on your Account unless the law does not require or permit us to send a Statement. Statements will be sent at the end of each Billing Cycle.

Disputed Transactions

You should inspect each Statement you receive and tell us about any errors or questions you have as described in Appendix A (Your Billing Rights) below and the “Billing Rights Summary” part of your Statement and other Truth in Lending Disclosures.

If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you give us all of your rights against that other person. You also will:

give us any merchandise or other purchases you received in connection with the disputed amount if we ask;
not pursue any claim or reimbursement from the merchant and that other person; and
help us pursue and get reimbursement from the merchant and that other person. Your help includes giving us documents that we ask for and that are acceptable to us.

Interest Charges and Fees

This section provides the interest rates, also referred to as corresponding Annual Percentage Rates (APRs) which are applicable to your account. We will charge Interest and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures.

These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes to your Agreement section or in your Truth in Lending Disclosures.

When applicable, we calculate Interest by multiplying your balance and APR in each billing cycle. Any applicable Interest is calculated and posted to the balance on the last day of the billing cycle after all other transactions have posted and payments have been allocated. When applicable, Interest accrues daily and compounds daily on new transactions and balances remaining from previous billing cycles. Any applicable Interest will continue to accrue even though you have paid the full amount of any related balances because we include any accrued but unpaid Interest in the calculation of each balance subject to Interest. We will not charge you any Interest on purchases if you always pay your entire balance by the payment due date. Your payment due date will be at least one calendar month from your statement closing date and will fall on the same calendar day each month.

Late Payment Fee

We currently do not charge any late payment fee.

Overlimit Fee

We do not charge you a fee for going over your credit limit, but your credit score may be adversely affected, and the transaction may be declined, depending on the amount of the overage.

Returned Payment Fee

We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it.

Express Delivery Fee

We may charge you this Fee each time you request express delivery of any Account documentation. Before we charge you this Fee, we will notify you of the amount and provide an opportunity to opt out of this service.

Balance Transfer Fee

Balance transfers are not available for your Card.

Cash Advance Fee

Cash Advance is not available for your Card.

Transactions Made in Foreign Currencies

Foreign currency transactions are not available for your Card.

No Warranties

EXCEPT FOR ANY EXPRESS WARRANTIES WE PROVIDE IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, 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; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. EXCEPT AS OTHERWISE PROVIDED BY APPLICABLE LAW, IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES, AND YOU SHALL NOT 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.

Merchant Refunds

If you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as credits to your Account if a merchant chooses to refund using this method. We do not control when a merchant sends us your refund. We will also have the right to a reasonable amount of time after we receive your refund to process it.

Minimum Payment

Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. If applicable, your Statement will also include a minimum payment amount.

Your minimum payment will equal your monthly subscription fee plus the greater of:

$10 (or your full balance if it’s less than $10) or,
3% of your ending balance for the Statement plus any outstanding Interest and fees and any amounts past due.

In addition to the minimum payment, you may pay all or part of the total balance on your Account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement.

Making Payments

Your payments must be in U.S. dollars from a U.S. deposit account and otherwise be acceptable to us. We do not accept cash or check payments. You may not make payments with funds from your Account with us.
If we block your account due to multiple returned payments due to insufficient funds, you must pay any outstanding balance owed to us by cashier’s check before we can close your account. Cashiers checks can be made payable to:

Neu Money, Inc.
1331 Union Avenue, Suite 1033,
Memphis, TN 38104

Faster Payment Services

We may make services available that allow you to make faster payments through a customer service representative using a telephone, the internet, or other payment system. We will describe the terms for using these services before you use them. You do not have to use these other payment services, and we may charge you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the Fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide them limited Account information necessary for the payment and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid.

Payment Processing

We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of credit until we confirm that your payment has cleared, if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your Item to make a one-time electronic fund transfer from your deposit account or to process the payment as an Item.

How We Apply Your Payments

We will apply payments and credits in accordance with applicable law.

Items with Restrictive Words, Conditions, or Instructions

Our acceptance of payments labeled “payment in full” or restrictive words to that or any similar effect, will not constitute an accord and satisfaction nor a waiver of any rights we have to receive a full payment on all balances due.

Credit Balances

We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within seven (7) Business Days from our receipt of your written request.

Account Default

‘We may consider you in default of your Agreement with us if:

you do not make any payment when it is due;
any payment you make is rejected, not paid, or cannot be processed;
you exceed your credit limit;
a bankruptcy or other insolvency proceeding is filed by or against you;
you die or are legally declared incompetent or incapacitated;
we determine that you made a false, incomplete, or misleading statement to us or Neu Money or you otherwise try to defraud us or Neu Money;
you do not comply with any term of this Agreement or any other agreement with us; or
you permanently reside outside the United States.

For certain actions, including changing the rates and Fees on your Account, our options appear in our original offer materials provided to you when you opened your Account. Remember, paying the Fees charged in connection with a default will not by itself cure the default. In addition, if you are in default, we may take the following actions without notifying you, unless the law says that we must notify you:

close or suspend your Account;
lower your credit limit;
increase your minimum payment;
demand that you immediately pay the entire balance owing on your Account;
continue to charge you Fees as long as your balance remains outstanding; and/or
pursue any other action against you that the law allows, which includes the filing of a lawsuit
against you.

You must pay us all of our collection expenses, attorneys’ fees, and court costs unless the law does not allow us to collect these amounts.

Communications

We and our service providers, including Neu Money, may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may:

contact you by mail, email, fax, or personal visit; and
contact you by manually dialing or using an automated dialing or similar technology to dial any telephone number(s) (including, but not limited to, cellular phone numbers) which you or anyone acting on your behalf provide to us at any time. You further acknowledge and agree that we may leave pre-recorded and/or artificial voice messages and/or send individual or mass-generated text messages (such as SMS) to such number(s), and that message and data rates may apply.
Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us.

Credit Reports

We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. 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. You authorize us to collect information about you in order to conduct our business and deliver the top-quality service you expect, including information we receive about you, information we receive from third parties such as consumer (credit) reporting agencies and information about your transactions with us and other companies.

Closing or Suspending your Account — Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents:

Either you or your spouse may ask us to close your Account at any time by calling us at 1-844-638-3425. We may also provide you with additional details after your request. This might include payment information.

All Cardholders: You may ask us to close your Account at any time by calling us at 1-844-638-3425. We may provide additional information about this process and we may also separately provide you with additional details after your request. This might include payment information.

Termination of your Account will not affect your obligation to pay the Account balance plus any finance and other charges you owe under this Agreement. Your obligation to pay the Account balance plus any finance and other charges you owe under this Agreement are subject to all applicable laws and regulations regarding repayment requirements. Any physical card you may receive in the future remains our property and you must recover and surrender to us upon request or upon termination of this Agreement.

If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it.

We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason permitted by law, even if you are not in default on your account with us. A suspension of your Account might be permanent or temporary.

If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy any physical Card in your possession. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. The non-refundable monthly subscription fee will continue to be assessed on your account each month until you pay off any balance owed in full.

Lost or Stolen Card

You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card or Card Information is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling us at 1-844-638-3425. or by emailing us at support@neumoney.app. Your responsibility for charges made to your Account that are found by us to be unauthorized is limited to the lesser of $50 or the value of the unauthorized charges before you notify us of such charges. If we reimburse your Account for unauthorized charges made using your Card, you will provide commercially reasonable help to us, as appropriate to investigate, pursue, and get reimbursement from the wrongdoer. Your help may include giving us documents that we request.

Rewards Program

If your card and account is active and in good standing, you will be automatically enrolled in the cash back rewards program where cash back is earned for qualifying transactions. See the Cash Back Rewards Program Terms to learn more about how the program works as well as read important disclosures.

Referral Program

If your card and account is active and in good standing, you will be automatically enrolled in the referral program where rewards are earned for referring others to join Neu Money. See the Referral Program Rules to learn more about how the program works as well as read important disclosures.

Your Representations and Warranties.

By accepting this Agreement, and/or by activating, using, or authorizing the use of your Card, you represent and warrant to us that: (i) you are at least eighteen (18) years of age (or that you have reached the age of majority if you reside in a state where the age of majority is nineteen (19) years or older); (ii) the personal information that you provide to us in connection with the Card is true, correct and complete; (iii) you received an email/copy of this Cardholder Agreement, have read it, and agree to be bound by and comply with its terms; and (iv) that you accept the Card.

Changes to your Agreement.

At any time, we may add, delete, or change any term of this Agreement unless the law prohibits us from doing so. We will give you notice of any changes as required by law. We may send such notice to you electronically if permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes.

The Law that Applies to your Agreement

This Agreement will be governed by federal law, and where state law is applicable, by the laws of the state of New Jersey without regard to choice of law principles thereof. We are located in the State of New Jersey, disburse funds from the State of New Jersey, and this Agreement is entered into in the State of New Jersey.

WAIVER OF JURY TRIAL

Unless prohibited by applicable law, if you sign this Agreement, you waive your right to have a jury trial to resolve any claim (defined below in the Arbitration Provision) you may have against us, our service providers, our respective affiliates or a related third party. This Waiver of Jury Trial provision does not apply to you if, at the time of entering into this Agreement, you are a resident of Arkansas or a Covered Borrower under the Military Lending Act. “Covered Borrower” means a consumer who, at the time the consumer becomes obligated on a consumer credit transaction or establishes an account for consumer credit, is a covered member of the armed forces or a dependent of a covered member (as defined in 32 CFR 232.3(g)(2) and (g)(3)).

CLASS ACTION WAIVER

Unless prohibited by applicable law, if you sign this Agreement, you waive your right to ask a court or an arbitrator to allow you to pursue any Claims on a class action basis or in a representative capacity on behalf of the general public, other borrowers or other persons similarly situated. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated with claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. For purposes of this Class Action Waiver, the terms “we,” “us” and “our” shall also include Cross River Bank and each of its employees, directors, officers, shareholders, governors, managers, members, parent companies, affiliated entities, successors or assignees (including but not limited to Neu Money) the servicer of your Card and any third party who is named as a co-defendant with us in a claim asserted by you. In the event of a conflict between this CLASS ACTION WAIVER provision and the ARBITRATION PROVISION, the ARBITRATION PROVISION shall control. This CLASS ACTION WAIVER does not apply to you if, at the time of entering into this Agreement, you are a Covered Borrower under the Military Lending Act.

ARBITRATION PROVISION

This ARBITRATION PROVISION does not apply to you if, at the time of entering into this Agreement, you are a Covered Borrower under the Military Lending Act. Arbitration is a process in which persons with a dispute(s): (a) agree to submit their dispute(s) to a neutral third person (an “arbitrator”) for a decision; and (b) waive their rights to file a lawsuit in court to resolve their dispute(s). Each party to the dispute(s) has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. A court rarely overturns an arbitrator’s decision.

THIS ARBITRATION PROVISION APPLIES UNLESS (1) YOU HAVE EXERCISED OR EXERCISE YOUR RIGHT TO REJECT ARBITRATION OR (2) AS OF THE DATE OF THIS AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT tel:1-844-638-3425.

READ THIS ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED.

YOU HAVE THE RIGHT TO OPT-OUT OF (NOT BE BOUND BY) THIS ARBITRATION PROVISION AS DESCRIBED BELOW. IF YOU DO NOT DO SO:

YOU ARE WAIVING YOUR RIGHT TO HAVE A JURY OR A COURT, OTHER THAN A SMALL CLAIMS COURT OR SIMILAR COURT OF LIMITED JURISDICTION, RESOLVE ANY CLAIM THAT IS SUBJECT TO ARBITRATION; and
YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN COURT OR IN ARBITRATION WITH RESPECT TO ANY CLAIM THAT IS SUBJECT TO ARBITRATION.

THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:

Interstate Commerce

This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. § 1 et seq., and not by any state arbitration law.

Scope

For purposes of this Arbitration Provision, the word “Claim” has the broadest possible meaning and includes, without limitation (a) all federal or state law claims, disputes or controversies, whether preexisting, present or future, arising from or relating directly or indirectly to this Agreement, the relationship between you and us, the information you gave us before entering into this Agreement, including your application, and/or any past agreement or agreements between you and us, any loan or credit product or related product or services obtained from us and any advice, recommendations, solicitations, communications, disclosures, promotions or advertisements concerning the same; (b) all initial claims, counterclaims, cross-claims and third-party claims and claims which arose before the effective date of this Arbitration Provision; (c) all common law claims based upon contract, tort, fraud, or other intentional torts; (d) all claims based upon a violation of any local, state or federal constitution, statute, ordinance or regulation, including without limitation all claims alleging unfair, deceptive or unconscionable trade practices; (e) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (f) all claims asserted by you individually against us and/or any of our employees, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities, or assignees (including but not limited to Neu Money) or against the servicer of your Card (hereinafter collectively referred to as “related third parties”), including claims for money damages, restitution and/or equitable or injunctive relief; (g) claims asserted by you against other persons and entities if you assert a Claim against such other persons and entities in connection with a Claim you assert against us or related third parties; and (h) all data breach or privacy claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any nonpublic personal information about you. Notwithstanding the foregoing, the word “Claim” does not include any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof; all such disputes or controversies are for a court and not an arbitrator to decide. However, any dispute or controversy that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. In addition, this Arbitration Provision will not apply to (1) any individual action brought by you in small claims court or your state’s equivalent court, unless such action is transferred, removed, or appealed to a different court; or (2) any disputes that are the subject of a class action filed in court that is pending as of the effective date of this Arbitration Provision in which you are alleged to be a member of the putative class for as long as such class action is pending.

Class Action Waiver

Notwithstanding any other provision of this Arbitration Provision, if either you or we elect to arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney general action or other representative action in court or in arbitration, either as a class representative or class member, or (b) to join or consolidate Claims with Claims of any other persons. (Provided, however, that the Class Action Waiver does not apply to any lawsuit or administrative proceeding filed against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers including you. This means that we will not have the right to compel arbitration of any claims brought by such an agency). An award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the Claim(s) in arbitration, and shall not (i) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (ii) make an award for the benefit of, or against, anyone other than a named party. No arbitration administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this section, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this Class Action Waiver shall be determined exclusively by a court and not by the administrator or any arbitrator.

Electing Arbitration

A party may elect arbitration of a Claim by sending the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested. Your notice must be sent to Neu Money, Inc., 1331 Union Avenue, Suite 1033, Memphis, TN 38104, and our notice must be sent to the most recent address for you in our files. If a lawsuit concerning the Claim has been filed, such notice can be provided by papers filed in the lawsuit, such as a motion to compel arbitration.

Administrator

Regardless of who demands arbitration, you shall have the right to select either of the following arbitration organizations to administer the arbitration: the American Arbitration Association, 120 Broadway, Floor 21, New York, NY 10271 (1-800-778-7879),http://www.adr.org; or JAMS, 8401 N. Central Expressway, Suite 610, Dallas, TX 75225 (1- 800-3525267), http://jamsadr.com. However, the parties may agree to a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with a bona fide arbitration association and arbitrate pursuant to the arbitrator’s rules. If the AAA and JAMS are unable or unwilling to serve as administrator, or the parties are unable to agree upon another administrator, a court with jurisdiction shall determine the administrator or arbitrator. The arbitration hearing will take place at a location reasonably convenient to where you reside.

If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within 20 days in writing by certified mail, return receipt requested, of your decision to select an arbitration organization or your desire to select a local arbitrator. Your notice must be sent to Neu Money, Inc., 1331 Union Avenue, Suite 1033, Memphis, TN 38104. If you fail to notify us, then we have the right to select an arbitration organization. The arbitration will be governed by the rules and procedures of this arbitration organization applicable to individual consumer disputes. You may get a copy of the rules and procedures by contacting the arbitration organization listed above. In an event of a conflict between the provisions of the Arbitration Provision, on the one hand, and any applicable rules of the AAA or JAMS or other administrator used or any other terms of this Agreement, on the other hand, the provisions of this Arbitration Provision shall control. If a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party files a motion to compel arbitration with the court which is granted, it will be the responsibility of the party prosecuting the Claim(s) to select an arbitration administrator in accordance with this paragraph and commence the arbitration proceeding in accordance with the administrator’s rules and procedures.

Non-Waiver

Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any Claim later asserted by a party in that or any related or unrelated lawsuit (including a Claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision. For example, if we file a lawsuit against you in court to recover amounts due under the Agreement, you have the right to request arbitration, but if you do not elect to request arbitration, we reserve and do not waive the right to request arbitration of any Claim (including any counterclaim) you later assert against us in that or any related or unrelated lawsuit. This Arbitration Provision will apply to all Claims, even if the facts and circumstances giving rise to the Claims existed before the effective date of this Arbitration Provision.

Arbitrator and Award

Any arbitrator must be a practicing attorney with ten or more years of experience or a retired judge. The arbitrator will not be bound by judicial rules of procedure or evidence that would apply in a court, nor by state or local laws that relate to arbitration proceedings. The arbitrator will apply the same statutes of limitations and privileges that a court would apply if the matter were pending in court. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with the FAA, which would apply if the matter had been brought in court.

No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.

Fees and Costs

At your written request, we will pay all filing, hearing and/or other fees charged by the administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in court, you will not be required to pay that amount again). We will not seek reimbursement of such fees from you even if we prevail in the arbitration. In addition, the administrator may have a procedure whereby you can seek a waiver of fees charged to you by the administrator and arbitrator. We will always pay any fees or expenses that we are required to pay by law or the administrator’s rules or that we are required to pay for this Arbitration Provision to be enforced. The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by this Agreement, the administrator’s rules or applicable law. With respect to Claim(s) asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs if and to the extent you prevail, if applicable law requires us to or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. At the timely request of either party, the arbitrator shall write a brief explanation of the grounds for the decision.

Appeal

The arbitrator’s award shall be final and binding on all parties, except for any right of appeal provided by the FAA. However, if the amount in controversy exceeds $20,000, and if permitted by the administrator’s rules, you or we can, within 14 days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the administrator. The panel shall reconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance with the paragraph above titled “Fees and Costs.” Any final decision of the appeal is subject to judicial review only as provided under the FAA. A judgment on the award may be entered by any court having jurisdiction.

Notice and Cure; Special Payment

Prior to initiating a Claim, you may send us a written Claim Notice. In order for a Claim Notice to be valid and effective, it must: (a) state your name, address and Account number; (b) be signed by you; (c) describe the basis of your Claim and the amount you would accept to resolve the Claim; (d) state that you are exercising your rights under the “Notice and Cure” paragraph of the Arbitration Provision; and (e) be sent to us by certified mail, return receipt requested, at Neu Money, Inc., 1331 Union Avenue, Suite 1033, Memphis, TN 38104, Attn: General Counsel. This is the sole and only method by which you can submit a Claim Notice. Upon receipt of a Claim Notice, we will credit you for the standard cost of a certified letter. You must give us a reasonable opportunity, not less than 30 days, to resolve the Claim. If, and only if, (i) you submit a Claim Notice in accordance with this paragraph on your own behalf (and not on behalf of any other party); (ii) you cooperate with us by promptly providing the information we reasonably request; (iii) we refuse to provide you with the relief you request before an arbitrator is appointed; and (iv) the matter then proceeds to arbitration and the arbitrator subsequently determines that you were entitled to such relief (or greater relief), you will be entitled to a minimum award of at least $5,000 (not including any arbitration fees and attorneys’ fees and costs to which you will also be entitled). We encourage you to address all Claims you have in a single Claim Notice and/or a single arbitration. Accordingly, this $5,000 minimum award is a single award that applies to all Claims you have asserted or could have asserted in the arbitration, and multiple awards of $5,000 are not contemplated.

Binding Effect; Survival; Severability

This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. The Arbitration Provision shall survive any bankruptcy to the extent consistent with applicable bankruptcy law. The Arbitration Provision survives any termination, amendment, expiration or performance of this Agreement and any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any part of this Arbitration Provision is deemed or found to be unenforceable for any reason, the remainder shall be enforceable, except as follows:

The parties to this Arbitration Provision acknowledge that the provision titled “Class Action Waiver” is material and essential to the arbitration of any disputes between the parties and is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided or found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be arbitrated.
If a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the provision titled “Class Action Waiver” prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated.

Opt-Out Process

You may choose to opt out of this 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 postmarked within sixty (60) calendar days of the date of this Agreement at the following address: Neu Money, Inc., 1331 Union Avenue, Suite 1033, Memphis, TN 38104. Your notice must be sent to us by certified mail, return receipt requested. Upon receipt of an Opt-Out Notice, we will credit you for the standard cost of a certified letter. Your Opt-Out Notice must include your name, address, Social Security number, the date of this Agreement, a statement that you wish to opt out of the Arbitration Provision and must not be sent with any other correspondence. Indicating your desire to opt out of this Arbitration Provision will not affect your other rights or responsibilities under this Agreement and applies only to this Arbitration Provision between you and us.

Military Lending Act & Servicemembers Civil Relief Act.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit transactions or accounts), and any participation fee charged (other than certain participation fees for a credit card account).You must make at least the minimum payment for each billing cycle, by the payment due date shown on each periodic statement you receive from us. Your minimum payment will equal your monthly subscription fee plus the greater of:

$10 (or your full balance if it’s less than $10) or,]
3% of your ending balance for the Statement plus any outstanding Interest and fees and any amounts past due.

In addition to the minimum payment, you may pay all or part of the total balance on your account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement. Please refer to the written disclosures you were provided for complete information about your credit terms. To be provided with an oral disclosure of this information, please call toll-free 1-844-638-3425.

This Agreement shall be interpreted to comply with the Military Lending Act and Servicemembers Civil Relief Act, including its restrictions on permissible loan terms and limitations on interest, charges, and fees. The limitations on interest and fees apply to individuals while they are Covered Borrowers. As applied to Covered Borrowers: (i) any interest, charges, or fees in excess of the permitted limit shall be reduced by the amount necessary to satisfy that limit and any amounts collected in excess of the permitted limit shall be refunded by crediting the Covered Borrower’s loan account or by making a direct payment to the Covered Borrower; (ii) the WAIVER OF JURY TRIAL, CLASS ACTION WAIVER, and ARBITRATION PROVISION shall not apply as described above; and (iii) any provision of this Agreement that is inconsistent with the Military Lending Act shall not apply.

Waiver

We, our agents, assigns, successors, service providers, and the respective affiliates will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else.

Assignment

This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement (including any right or obligation under this Agreement) to someone else without our written permission.
We may transfer your Account and this Agreement (or any of our rights or obligations under this Agreement) to another company or person without your consent. We reserve the right to use third party service providers including, but not limited to Neu Money, to perform any activity we are permitted or obligated to perform under this Cardholder Agreement, to the extent permitted by applicable law.

Definitions

Account means your Card Account with us.

Annual Percentage Rate, or APR, is the percentage you are charged annually for the debt that you accrue.

App or Neu Money App means the Neu Money “Neu” software application downloaded by a user to a mobile device that allows access to the card and card servicing.

Billing Cycle means a period of time that starts on the first day of the calendar month and ends on the last day of the calendar month and might vary from 28 to 31 days depending upon the month.

Business Day means any day our offices are open for the processing of payments and credits.

Card means any physical, digital, or virtual card or other means to access an Account. It also means any other access device, such as a physical card, we give you that allows you to obtain credit.

Credit means an accounting entry that decreases a liability; in this case, your outstanding Account balance.

Credit Limit means the amount of credit extended to you.

Fees means conditional charges imposed on your Account.

Interest or Interest Charges means any charges to your Account based on the application of Annual Percentage Rates.

Item means a check, draft, money order, or other negotiable instrument you use to pay into your Account. This includes any image of these instruments.

Payment Card Network means Visa, or any other network provider displayed on the Card.

Statement means a document or information we provide to you showing Account information including, among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement as a “Periodic Statement” or a “Billing Statement.”

Truth in Lending Disclosures mean any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements, and change in terms notices.

Appendix A

YOUR BILLING RIGHTS
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT

If you think there is an error on your statement, write to us at:
Cross River Bank
c/o Neu Money, Inc.
1331 Union Avenue
Suite 1033
Memphis, TN 38104

In your correspondence, give us the following information:

Account information: your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

Within sixty (60) days after the error appeared on your statement.
At least three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER

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

Within thirty (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.
Within ninety (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, and we may continue to charge you interest on that amount.
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 credit 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 interest or 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 interest and 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 ten (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 all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES

If you are dissatisfied with the goods or services that you have purchased with your credit 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 exert 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. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your Account do not qualify. Neu Money does not offer cash advances, ATM access, or credit card access checks.
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, contact us in writing at:

Cross River Bank
c/o Neu Money, Inc.
1331 Union Avenue
Suite 1033
Memphis, TN 38104

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.

Appendix B

ADDITIONAL DISCLOSURES

California Residents: If you are married, you may apply for a separate account in your own name. As required by law, you are hereby notified that a negative credit reporting reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right to use the credit card account up to the limit of the account.

Delaware Residents: Charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Iowa Residents: IMPORTANT: READ BEFORE SIGNING. The terms of this Cardholder Agreement should be read carefully because only those terms in writing are enforceable. No other terms or oral promises not contained in this written Cardholder Agreement may be legally enforced.

Kentucky Residents: You may pay the unpaid balance of your account in whole or in part at any time.

Massachusetts Residents: Massachusetts law prohibits discrimination on the basis of race, color, religious creed, national origin, sex, gender identity, marital status, or sexual orientation.

New Hampshire Residents: If you prevail in any action, suit or proceeding we bring or in an action you bring in connection with this Cardholder Agreement, reasonable attorneys’ fees shall be awarded to you. If you successfully assert a pertinent defense, set off, recoupment or counterclaim to an action brought by us, the court may withhold from us the entire amount or such portion of the attorneys’ fees as the court deems appropriate.

New Jersey Residents: (1) The section headings of this Cardholder Agreement are a table of contents and not contract terms. (2) You agree to pay our reasonable attorney’s fees, up to 20% of outstanding principal and interest, paid in the collection of this account to an attorney who is not our employee. (3) Provisions of this Cardholder Agreement that refer to acts or practices that apply as permitted by, or except as prohibited by, applicable law are applicable to New Jersey residents only to the extent that such acts or practices are permitted by New Jersey or Federal law.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Vermont, Rhode Island and New York Residents: You understand and agree that we may collect information about you, including information from third parties such as consumer credit reporting agencies, in order to conduct our business, including in connection with any updates, renewals or extensions of any credit as a result of your application and card membership. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that we may obtain a consumer credit report in connection with the review or collection of any extension of credit made to you or for other legitimate purposes related to such extension of credit.

Married Wisconsin Residents: If you are married: (i) you confirm that this Account is being incurred in the interest of your marriage or family; (ii) no provision of any marital property agreement, unilateral agreement, or court decree under the Wisconsin Marital Property Act will adversely affect a creditor’s interest unless, before the time credit is granted, the creditor is furnished a copy of that agreement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred; (iii) you understand and agree that we will provide a copy of this Agreement to your spouse for his or her information. You must notify us if you have a spouse by sending your name and your spouse’s name and address to us at Neu Money, Inc., Suite # 500, Memphis, TN 38103.

All Residents: You promise us that you are not planning to file bankruptcy at the time of your application for your Account.

Privacy Notice

Neu Money, Inc.
Facts	What does Neu Money, Inc. do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Account balances Payment history and Transaction history Account transactions and Wire transfer instructions When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Neu Money, Inc., doing business as “Neu”, chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.
For our everyday business purposes— such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share
Questions?	Phone: 1-844-638-3425 Email: support@neumoney.app

What we do
How does Neu Money, Inc. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Neu Money, Inc collect my personal information?	We collect your personal information, for example, when you: Open an account or Apply for a loan Make deposits or withdrawals from your account or Provide employment information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies Neu Money, Inc does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include loan finance companies
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partner(s) include loan finance companies.

Cross River Bank
Facts	What does Cross River Bank do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Account balances Payment history and Transaction history Account transactions and Wire transfer instructions When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Cross River Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.
For our everyday business purposes— such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share
Questions?	Call toll-free 1-844-55CRB55 or go to www.crossriverbank.com

What we do
How does Cross River Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Cross River Bank collect my personal information?	We collect your personal information, for example, when you Open an account or Apply for a loan Make deposits or withdrawals from your account or Provide employment information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies Cross River Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include loan finance companies
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partner(s) include loan finance companies.

Other important information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.

For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.crossriverbank.com or 1-844-55CRB55

Your Credit Report and the Price You Pay for Credit

What is a credit report?	A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.
How did we use your credit report?	We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.
What if there are mistakes in your credit report?	You have a right to dispute any inaccurate information in your credit reports. If you find mistakes on your credit reports, contact Transunion, which is the consumer reporting agency from which we obtained your credit report.It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a copy of your credit report?	Under Federal law, you have the right to obtain a copy of your credit report without a charge for 60 days after you receive this notice. To obtain your free report, contact Transunion. By Telephone: Call toll-free: 1-833-395-6938 By Mail: Mail your written request to: Transunion Consumer Solutions P.O. Box 2000, Chester, PA 19016-2000 On the web: Visit: https://www.transunion.com/customer-support
How can you get more information about credit reports?	For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/learnmore.

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.

Privacy Policy

Your privacy is important to us. This Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by Neu Money, Inc.

This Privacy Policy (“Policy”) describes the ways Neu Money, Inc. (referred herein as “Neu”, “we”, “us”, “our”) or our affiliates collect, protect, use, and store your personal information. You accept this Privacy Policy by using our products and services (collectively “Services”) on our App or through our website: https://www.neumoney.app (the “Site”) or any other means. We may amend this Policy at any time by posting a revised version on our website.

As you review this Privacy Policy, here are a few general principles to keep in mind:

Our online services are not intended for children under 18. We do not knowingly collect personal information from children under 18.
If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which is available at Privacy Notice. Our Privacy Notice explains how we collect, use and share information about you and offers you certain choices with respect to the use and sharing of your personal information.
If you have questions after reviewing this policy, please contact us at 1-844-638-3425.

By using the Services, you are consenting to our processing of your personal information and data as set forth in this Policy. As used herein, “processing” means using or accessing information in any way, including but not limited to collecting, storing, deleting, combining, and disclosing information. Our servers are located in the United States and the Services are intended for a U.S. audience. Accordingly, if you reside outside the U.S., by using the Services, you acknowledge and agree that your personal information will be transferred to the United States and processed and stored in the United States. By using the Services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy.

The Services contain links to other websites. The fact that we link to a website is not an endorsement, authorization, or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. Other sites follow different rules regarding the use or disclosure of the personally identifiable information you submit to them. We encourage you to read the privacy policies or statements of every website you visit.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

INFORMATION YOU SHARE WITH NEU

Information We Often Request

The types of personal information we collect depends on the products and services you use. It may include:

Your contact information such as your name, address, phone number, and email;
Information that we use to verify your identity, make decisions about your credit card application, or manage risk such as your date of birth, social security number (if applicable), your financial history, your identity, and program eligibility;
Information about your education, such as the school in which you are enrolled, degree sought, major of field of study, recent test scores, educational references and your personal interests or characteristics;
Information needed for us to process your payments, such as your bank account numbers and similar information;
Information about your income and/or assets, including your employment, US Form I-20, domestic bank statements or other financial documentation; and
Information about you collected when you visit the Site, including the information submitted by you or our other customers or recorded automatically when interacting with the Site’s features and using its online communication features

Information You Provide Upon Registration

If you desire to access certain parts of the Services, you will be required to become a registered user and to submit certain personal information to the Site. Personal information that we may collect in such instances may include your full name, email address, mailing address, telephone number, date of birth and other information that you provide us with as part of the credit card application. Additionally, we may request that you upload a copy of your official passport/national identity card, a copy of your financial statement issued by a US bank, and/or a copy of your US I-20 Form and US Student Visa which are issued by the U.S. Department of Homeland Security in order to verify your identity, program eligibility, and ability to repay debt. We may also ask our users to generate a new personal identification number (PIN) or password to access the Services. In general, we may use any information provided by you to verify your identity or as part of a credit application or other business processes.

Information Neu Learns From Your Use of the Services or Access of the Site

When you visit the Site or use the Services, we may collect information from your computer, mobile phone, or similar device. This information may include your IP address and device information including but not limited to identifier, device name and type, operating system, location, mobile network information, and standard web log information such as your browser type, traffic to and from our website, the pages you accessed on our website, and any other available information. We may also collect information about your use of and interaction with the Site, application, or Services. For example, we may evaluate your computer, mobile phone, or other access device for indicators of fraud, or analyze your website clicks to assess your interest in our specific product terms. When you use the Services, we may also store information based on your usage history. This includes but is not limited to details of your purchases, content you viewed, event information, referring sites or click stream information, and web “cookies” or “tokens” that may uniquely identify your browser, device, or account. We may also collect information about you from any contact you have with any of our employees, our customer support team, or through surveys, or through interactions with our agents and/or affiliates.

Location Data

Neumoney.app may receive varying degrees of location information from Social Media Services (as defined below) that you enable within the Services and also (with your permission) from your computing devices (“Location Data”). For example, we may collect and use location data (e.g., GPS or IP-based geography detection) to screen for fraudulent activity or to verify self-reported information (for example, to verify you reside in a certain city or near a university in which you are enrolled) and to customize the Service to make it more relevant to you (for example, to send newsletter information that may be of interest to you).

Server Log Data

When you interact with the Site or use the Services, our servers automatically receive and store certain non-personally identifiable information (“Log Data”). This Log Data is collected passively and may include (but is not limited to) information such as your IP address, browser type, mobile phone type, software settings/configurations, or the domain from which you are visiting, the Site pages you visit, the search terms you use, and any advertisements on which you click. We use Log Data and analytics-based observations to provide you with the Services (for example, to send an SMS to your mobile device) and we may pool Log Data with other information to monitor the use of the Services, and for the technical administration of the Services. If we are asked to comply with a subpoena or other legal demand or where we suspect that there has been a violation of our policies, then we will associate your IP address with any other Personal Information to identify you personally, according to our Terms of Use and/or applicable laws.

Cookies and Anonymous Identifiers

Like many websites and services, we also may use “cookie” technology to collect additional Site usage data and to improve the Site and Services and related offers. A cookie is a small data file that we transfer to your computer or mobile phone. Neu may use both session cookies and persistent cookies (known as “persistent tokens”) to better understand how you interact with the Site and the Services, to monitor aggregate usage by our users and web traffic routing on the Site, and to improve the Site and the Services. A session cookie or security token enables certain features of the Site and Services and is often (but not always) deleted from your computer when you disconnect from or leave the Site. A persistent token will likely remain after you close your browser and may be used by your browser on subsequent visits to the Site. Persistent tokens can be removed by following your web browser help file directions. Most Internet browsers automatically accept cookies. You can instruct your browser, by editing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit.

We may, or our partners or affiliates may, also deliver a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks (and other websites) to provide anonymized, aggregated auditing, research, and reporting for us and for advertisers. Web beacons also enable ad networks to send targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their sites.

Payment Information

When you make payments through the Services, we or i2c, our third party payment processor, may collect information related to your payments, such as your payment method, account number, type, or expiration date. The use and storage of such information is governed by this Privacy Policy and i2c’s privacy policy, available at https://www.i2cinc.com/privacy-policy

Bank Access/Login Credentials

Prior to establishing a Neu account or after a Neu account is established, or both, we invite Neu account holders to enter certain login credentials (such as a username and password) for certain online account types (for example, credit cards, debit cards, or traditional bank accounts) in order to verify identity and/or process payment. These credentials provide Neu with consistent and reliable access to each financial account. Neu uses such access to monitor and assess account holder’s ability to repay debt or counter fraud.

Contacts Information

If you allow Neu to access the contacts/address book on your phone or other services (such as email) through the permission system used by your mobile platform, Neu may access and store names and other contact information from your address book to facilitate social interactions through the Services and execute our share program. Access to contacts may be requested as part of a customer share program or validation of self-reported information.

Credit Card Transaction Information

We collect transaction details related to your use of the Services, including the type of service requested, date and time the service was provided, amount charged, locations, distance traveled, and other related transaction details. Additionally, if someone uses your customer referral code, then we may associate your name with that person.

Aggregated Personal Data

In an ongoing effort to better understand and serve the users of the Services, Neu often conducts research on our customer demographics, interests, and behavior based on the information provided to us. This research may be compiled and analyzed on an aggregate basis and Neu may share this aggregated data with our marketing affiliates, agents, and business partners. This aggregated information does not identify you personally. Neu may also disclose aggregated user statistics in order to describe the Services to current and prospective business partners and to other third parties for other lawful purposes.

Information Obtained From Third Parties

We may obtain information about you from third parties such as credit bureaus, the U.S. Department of Homeland Security, student enrolment verification services, and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media websites and services (“Social Media Services”) or banking websites. The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Neu account and authorizing Neu to have access to this information, you agree that Neu may collect, store, and use this information in accordance with this Policy.

Usage and Preference Information

We collect information regarding how you and other site visitors use and interact with the Services, including preferences expressed, and settings chosen. In some cases, we do this through the use of cookies, pixel tags, and similar technologies that create and maintain unique identifiers.

HOW NEU PROTECTS YOUR INFORMATION

Neu stores and processes your information while maintaining physical, electronic, and procedural safeguards of its Site and systems. We maintain physical security measures to guard against unauthorized access to systems and use electronic safeguards such as firewalls and data encryption. We authorize access to personal information only for those authorized employees with a business need to have access to personal information.

To provide, maintain, and improve the Services;
To provide inputs to our credit underwriting system and to assess creditworthiness of credit card applicants;
To provide and deliver the products and services you request, process transactions and send you related information, including confirmations;
To verify your identity and prevent fraud or unauthorized access;
To send you technical notices, updates, security alerts and support and administrative messages;
To respond to your comments, questions, and requests, and provide customer service;
To communicate with you about products, services, offers, promotions, incentives, and events offered by Neu and others, and provide news and information we think will be of interest to you;
To monitor and analyze trends, usage, and activities in connection with the Services;
To comply with legal obligations;
To personalize and improve the Services and provide advertisements, content, or features that match user profiles or interests;
To process and deliver contest or promotion entries and incentives; and,
To link or combine it with the information we receive from others to help understand your needs and provide you with better service, and to carry out any other purpose for which the information was collected.

If you contact us by email, we may keep a record of your contact information and correspondence, and may use your email address, and any information that you provide to us in your message, to respond to you. In addition, we may use your contact information to market to you and provide you with information about our products and services and the products and services of our partners that we believe may be of interest to you. If you decide at any time that you no longer wish to receive such marketing information or communications from us, please follow the unsubscribe instructions provided in any of our communications.

In an ongoing effort to better understand and serve the users of the Services, Neu occasionally conducts separate research efforts on its customer demographics, interests, and behavior based on the Personal Information and other information provided to us. This research may be compiled and analyzed in the aggregate and Neu may share this aggregated data with its affiliates, agents and business partners. This aggregated information does not identify you personally. Neu may also disclose aggregate user statistics in order to describe the Services to current and prospective business partners, and to other third parties for other lawful purposes.

WHEN NEU SHARES YOUR INFORMATION

At times Neu may provide third parties with certain personal information to provide or improve our products and services, including to deliver products at your request, or to help Neu market to consumers. When we do, we require those third parties to handle it in accordance with relevant laws. We do not share personal information with third parties for their marketing purposes.

Information Sharing and Disclosure
We consider your information to be a vital part of Neu’s relationship with you and, accordingly, we do not share it unnecessarily. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as outlined below.

To enable our Service Providers
Neu shares personal information with companies who provide services such as information processing, extending credit, fulfilling customer orders, managing and enhancing customer data, providing customer service, assessing your interest in our products and services, and conducting customer research or satisfaction surveys. These companies are obligated to protect your information and may be located wherever Neu operates.

To process payments and service related to your Neu Account
If we collect credit card information for payments, or other financial information related to payments, then that information will be collected and stored by our payment processor. We will from time to time request and receive your financial information from our payment processor for the purposes of completing transactions you have initiated through the Services, assessing credit risk, processing invitations to apply for increased credit limits, or enrolling you in such other programs in which you elect to participate, identifying or researching possible fraudulent transactions, and otherwise as needed to manage our business.

To enable Social Media Services and related data collection
You can choose to access certain third party communication tools or Social Media Services through the Services. When you choose to do so, you will be sharing information with those Social Media Services, and the information you share will be governed by their privacy policies and Terms of Use. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to third parties such as Neu. When you add Social Media Service accounts to the Service or log into the Service using your Social Media Services account, we will collect relevant information necessary to enable the Services and access that Social Media Service. In all cases, you will provide your login information, such as your username and password, directly to the Social Media Service and not to Neu. As part of such integration, the Social Media Service will provide Neu with access to certain information that you have provided to the Social Media Service, and Neu will use, store and disclose such information in accordance with this Privacy Policy and, if and to the extent applicable, the policies of such Social Media Services. However, please remember that the manner in which Social Media Services use, store and disclose your information is governed by the policies of such third parties and Neu will have no liability or responsibility for the privacy practices or actions of any Social Media Services that may be enabled with or accessed through the Service.

Disclosures for Legal Purposes
It may be necessary − by law, legal process, liaison, and/or requests from public and governmental authorities within or outside your country of residence − for Neu to disclose your personal information. We may also disclose information about you if we determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate. We may also disclose information about you, but only where there is a lawful basis for doing so, if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. This could include providing information to public or governmental authorities. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party, including during any pre-transaction diligence investigation.

HOW NEU DOES NOT SHARE YOUR INFORMATION

Selling Information to Third Parties
We do not sell or rent your personal information to third parties.

WHAT ARE YOUR PRIVACY OPTIONS Your Right to Opt Out

If you no longer wish to receive notifications (such as SMS or email messages) about the Services, you may change your notification preferences by emailing support@neumoney.app. Alternatively, you may be able to indicate your preference by logging into your Neu account and adjusting your preferences or by following the directions provided with the communication. Neu reserves the right to close your account should you opt out of the critical notices that are required to perform the Services.

Your Right to Access
You can review and edit your personal information at any time by logging in to your account on Neu’s App/Website or by contacting us at support@neumoney.app. You can also request to close your account with Neu by contacting us at 1-844-638-3425. If you close your Neu account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.

Learn about State Laws

This Privacy Policy may not constitute your entire set of privacy rights, as these may vary from state to state. For example, California Civil Code Section § 1798.100 permits California residents who are users of the Site to request certain information regarding the disclosure of personal information to third parties for direct marketing purposes. To make such a request, please send an email to support@neumoney.app. To be certain of your privacy rights, you may wish to contact the agency in your state that is charged with overseeing consumer privacy rights.

Contacting Neu

Neu may update its Privacy Policy from time to time, and the updated policy will be posted on our Site and be effective immediately, unless otherwise stated. If you have questions or concerns regarding this Privacy Policy, please contact us at support@neumoney.app or call 1-844-638-3425.

PRIVACY NOTICE FOR CALIFORNIA RESIDENTS

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the U.S. Online Privacy Notice of Neu and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”).

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.	Yes
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	Yes
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information)	Yes
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Yes
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voice prints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	No
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	Yes
G. Geolocation data.	Physical location or movements.	Yes
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar	No
I. Professional or employment-related information.	Current or past job history or performance evaluations.	Yes
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	No
K. Inferences drawn from other personal information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No

Personal information does not include:

Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, like:
- health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

Directly from our customers or credit applicants. For example, from documents that our customers or credit applicants provide to us related to the services for which they engage us.
Indirectly from our customers or credit applicants. For example, through information we collect from our customers or credit applicants in the course of providing services to them.
Directly and indirectly from activity on our website (www.neumoney.app). For example, from submissions through our website portal or website usage details collected automatically.
From third parties that interact with us in connection with the services we perform. For example, upon consent and granting of permissible purpose, we obtain credit reports from credit bureaus in order to evaluate creditworthiness.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

To fulfill the reason for which the information is provided. For example, if you provide us with personal information in the course of applying for credit, we will use that information to verify your identity and throughout the credit underwriting process.\
To provide you with information, products, or services that you request from us.
To provide you with email alerts and other notices concerning our products or services, or events or news, that may be of interest to you.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
To improve our website and present its contents to you.
For testing, research, analysis, and product development.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information.
Category F: Internet or other similar network activity
Category G: Geolocation data
Category I: Employment related information

We disclose your personal information for a business purpose to the following categories of third parties:

Our affiliates
Service providers
Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you

In the preceding twelve (12) months, we have not sold any personal information.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.\

Access to Specific Information and Data Portability Rights

You may have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable consumer request, we may disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased; and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You may have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we may delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service providers to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality. 4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

US Postal Mail to:
Neu Money, Inc.
Attn: Privacy
1331 Union Avenue, Suite 1033
Memphis, TN 38104; or
Email us at support@neumoney.app
Call us at 1-844-638-3425

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

You may only make a verifiable consumer request for access or data portability twice within a 12- month period. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Children’s Privacy

The Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 13 years. If we become aware that a child under 13 has opened an account or otherwise provided us with Personal Information, we take steps to terminate the child’s account and delete such information.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our U.S. Online Privacy Notice and this State-Specific Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Board Approval

This policy, and any associated changes or updates, will be reviewed and approved by the Board on an annual basis.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 1-844-638-3425
Website: www.neumoney.app
Email: support@neumoney.app

Postal Address:

Neu Money, Inc.
Attn: Privacy
1331 Union Avenue, Suite 1033
Memphis, TN 38104

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.

Download the app

E-Sign Policy

Consent to Electronic Delivery

Duration of Consent

Methods of Providing Covered Items

Access to Paper Copies

Our Right to Send Paper

System Requirements

Withdrawing Consent

Acknowledging Ability to Access and Consenting to Electronic Communications

Cardholder Agreement

CUSTOMER AGREEMENT

Some Definitions

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

Things You Should Know About This Card

How much is the Interest Charge?

Can You Change My Account Terms?

Account Documents

New Offers

Account Information and Contact

The Neu Money “Neu” Card

Credit Limit

Subscription Fee

Using your Account

Protecting your Account Information and Credentials

Your Promise to Pay

Statements

Disputed Transactions

Interest Charges and Fees

Late Payment Fee

Overlimit Fee

Returned Payment Fee

Express Delivery Fee

Balance Transfer Fee

Cash Advance Fee

Transactions Made in Foreign Currencies

No Warranties

Merchant Refunds

Minimum Payment

Making Payments

Faster Payment Services

Payment Processing

How We Apply Your Payments

Items with Restrictive Words, Conditions, or Instructions

Credit Balances

Account Default

Communications

Credit Reports

Closing or Suspending your Account — Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents:

Lost or Stolen Card

Rewards Program

Referral Program

Your Representations and Warranties.

Changes to your Agreement.

The Law that Applies to your Agreement

WAIVER OF JURY TRIAL

CLASS ACTION WAIVER

ARBITRATION PROVISION

Interstate Commerce

Scope

Class Action Waiver

Electing Arbitration

Administrator

Non-Waiver

Arbitrator and Award

Fees and Costs

Appeal

Notice and Cure; Special Payment

Binding Effect; Survival; Severability

Opt-Out Process

Military Lending Act & Servicemembers Civil Relief Act.

Waiver

Assignment

Definitions

Appendix A

YOUR BILLING RIGHTS YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES

Appendix B

YOUR BILLING RIGHTS
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE