For Credit Card Tips from the Federal Reserve Board and to learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website at http://www.federalreserve.gov/creditcard.

How Do You Calculate My Balance?

Your balance is equal to the amount you charge, plus fees, minus payments. We do not charge interest on your balance.

What Are My Billing Rights?

Information on your rights to dispute transactions and how to exercise those rights is provided in the below Additional Disclosures.

Am I Eligible For This Offer?

To be eligible for this offer, you must be at least 18 years of age and you must meet the conditions listed in the enclosed Additional Disclosures.

Can You Change My Account Terms?

Yes, we can change the terms of your account as permitted by law. When required, we will send you notice before doing so.

How Do You Determine My Credit Line?

If you satisfy all requirements, including providing the security deposit, you will receive an initial credit line of between $300 and $5,000, equal to the amount of the security deposit. If the security deposit is increased it may increase your credit line until your account reaches the maximum credit line.

How Do You Calculate My Minimum Payment?

Your minimum payment is $7.95 per month. If your account is 120 days past due, part of a bankruptcy proceeding or otherwise charges off, or if your account is closed the entire balance is due immediately.

How Do You Apply My Payment?

We will apply your payment first to pay any fees due and then against the remaining outstanding balance on your card.

Can I Avoid Paying the Monthly Fee?

No. The monthly fee is charged to your account on the day your account is opened and monthly thereafter, regardless of activity on the account and regardless of whether or not you have your card.

ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS

I am applying to First Bank of Delaware (“FBOD”) for a credit card account. To qualify, I understand: • I must be at least 18 years of age and have a valid social security number, unless otherwise specified. • FBOD maintains the right not to open my account if: a) the information provided as part of my application is incomplete, inaccurate or cannot be verified; b) my name and/or mailing address has been altered; c) FBOD receives my response after the offer has expired; or d) I am in default prior to providing my minimum security requirement. With respect to this offer, I acknowledge that: • Someone, either me or someone else, will be required to provide a security deposit to qualify for this account. • If I am approved, FBOD may contact me from time to time regarding my Card and Account as described in my Cardholder Agreement. For example, when I give FBOD my mobile telephone number, I agree to receive calls and messages, including prerecorded messages, at that number from FBOD and their authorized agents including with an automatic telephone dialer (autodialer). • I will receive The Simple Card Cardholder Agreement and am bound by its terms and all future revisions. • This offer is nontransferable and void to residents of GU, PR, VI and all other U.S. dependent areas. • The terms of this offer may not be applied to existing FBOD accounts. • FBOD will retain my response form whether or not it is approved. • An applicant, if married, may apply for a separate account. • Certain restrictions apply to the card benefits in this offer. Full details will be mailed to you upon approval. • Everything that I have stated in this application is correct to the best of my knowledge. • This is not a business account.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR OR 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 apply for or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. 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: The Simple Card, 9555 S Eastern Ave Ste 220, Las Vegas, NV, 89123 In your letter, 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 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You 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: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, 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 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 use this right, all of the following must be true: 1. 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.) 2. 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 credit card account do not qualify. 3. 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: The Simple Card,9555 S Eastern Ave Ste 220, Las Vegas, NV, 89123. 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.

STATE-SPECIFIC INFORMATION

California Residents:

Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by 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.

Ohio Residents:

Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers these laws.

New York and Vermont Residents:

Capital One may obtain at any time your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Banking Department (1-800-518-8866) for a comparative list of credit card rates, fees and grace periods.

Married Wisconsin Residents:

No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless, prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision.