$100 Rent.com Reward: $100 Visa® Card

The following terms and conditions apply to the $100 reward card.

This information is displayed by Rent.com as a courtesy to the card issuer, West Suburban Bank. The cardholder agreement is between you and West Suburban Bank. If you have any questions about the card once you receive it, please direct them to West Suburban Bank at the contact information listed below.

PLEASE SIGN YOUR CARD IMMEDIATELY.

THE CARD IS NOT A CREDIT CARD.

PROMOTIONAL FUNDS LOADED ON YOUR CARD ARE NOT ACCOUNTS OR DEPOSITS OF WEST SUBURBAN BANK, DO NOT EARN INTEREST AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION.

DO NOT TELL ANYONE YOUR ACTIVATION CODE. YOU WILL BE RESPONSIBLE FOR ALL TRANSACTIONS USING YOUR ACTIVATION CODE AND INITIATED WITH THE CARD OR THE CARD NUMBER.

These TERMS AND CONDITIONS OF USE AND CARDHOLDER AGREEMENT (this "Agreement") and the fee and limit schedule accompanying this Agreement ("Fee Schedule") constitute our disclosure to you and an agreement between you and us with respect to our issuance and your use of the enclosed prepaid Visa® promotional ("Card") loaded with promotional value that has been awarded to you by your rewards program sponsor. Your Card allows electronic access to the prepaid promotional funds and may not be reloaded. The promotional value available on the Card at any one time (your "Available Balance") is limited to the dollar amount of prepaid funds, less withdrawals and amounts deducted for purchases and fees. Your Available Balance is not stored on the Card itself. Instead, it is stored on our computer system. With the Card, you may access your Available Balance anywhere Visa® debit is accepted.

In this Agreement, "you" or "your" means any person who has received the Card and is authorized to use it as provided for in this Agreement, and "we", "us" or "our" means West Suburban Bank and its successors and assigns. You acknowledge and agree that: (a) you are a U.S. citizen or legal alien residing in one of the 50 states of the U.S. or the District of Columbia with a verifiable U.S. mailing address and (b) you are at least 18 years of age (at least 19 years of age if you are a resident of a state in which the age of majority is 19). In connection with issuance of the Card, we may verify your identity as required by law.

You will be deemed to have accepted the Card and the terms and conditions of this Agreement if you: (a) sign the back of the Card; or (b) purchase or use the Card. If you are underage, your parent or guardian may enter into this Agreement, and you can be the Cardholder. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY AND KEEP THEM FOR FUTURE REFERENCE.

This Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and you may not use an expired or revoked Card. You must notify us promptly if the Card is lost, stolen or otherwise taken from your control.

This Agreement is governed by applicable federal laws, rules and regulations. To the extent federal law is not applicable, the laws of the State of Illinois govern this Agreement. In the event of any conflict between the provisions of this Agreement and any applicable law or regulation, this Agreement will be deemed modified to the extent necessary to comply with such law or regulation. We may waive any of the provisions or conditions of this Agreement, but any such waiver will be effective only on that occasion and will not be a continuing waiver or a waiver on any other occasion. We can delay enforcement of any of our rights under this Agreement without losing them.

Section 1. CONTACT INFORMATION.
Tell us IMMEDIATELY if your Card has been lost or stolen. If you believe your Card has been lost or stolen or that someone has accessed or may access money from your Card without your permission, call or write us at the telephone number or address listed below. Call us toll free 24 hours a day, 7 days a week at (800) 279-5412. Write us at:

West Suburban Bank
701-711 South Meyers Road
Lombard, Illinois 60148
Attention: Stored Value Program

Our business hours are Monday through Friday 8:30 AM to 5:00 PM Central Time. We are closed on Saturdays and Sundays and all major holidays.

Section 2. USING YOUR CARD. You may use your Card only after you activate it in the manner provided in the instructions accompanying your Card. You may then use your Card to purchase goods and services anywhere Visa® debit is accepted. The promotional balance available for authorizing transactions with your Card is the lesser of your Available Balance or any dollar limitation disclosed for the transaction being performed. The Available Balance will be reduced by the amount of your purchase.

Limitations on Use.
You may use your Card only in the manner and for the purposes authorized by this Agreement. You may not use your Card for any illegal purpose. You may not use your Card for cash at ATMs. We may restrict access to your Card if we notice suspicious activities. If access is denied, you should contact us so that we can discuss and rectify any problems. You are responsible for all authorized transactions using your Card.

You may not use your Card to make a purchase in excess of your Available Balance. If for any reason a purchase occurs that exceeds the value on the Card, you are responsible for repaying us in full, and you authorize us to check your credit history and take any necessary collection action. We may automatically deduct any amount you owe under this Agreement from a future transfer of value to the Card. If we are required to undertake legal proceedings against you because you fail to comply with the terms of this Agreement, you must pay our reasonable attorneys' fees and other costs of the proceedings.

Authorizations and Holds.
Any entity honoring your Card will be required to obtain approval or authorization for any transaction in accordance with the rules of Visa U.S.A., Inc. When an authorization is issued, a thirty-day hold may be placed on the value on the Card in the amount of the authorization. A ninety-day hold may be placed on the value on the Card in the amount of the preauthorization request made by hotels and rental merchants. If the authorization request varies from the amount of the transaction the merchant subsequently submits to the Visa system, settlement of the transaction may not remove the hold, which may remain on the Card until the hold days have expired. If your Card is subject to a hold, the value on the Card that is subject to the hold will not be available for other purposes.

Card Loading.
Your Card is loaded with prepaid promotional funds provided by the rewards program sponsor at no cost to you. It may not be reloaded.

Foreign Exchange.
If you use your Card for a transaction denominated in a foreign currency, the transaction will be converted to its U.S. dollar equivalent then deducted from your Available Balance. We will convert the foreign currency transaction in accordance with procedures in effect at the time the transaction is processed at a rate determined by Visa U.S.A., Inc. or another recognized system. Visa determines the exchange rate based on a rate selected by Visa from the range available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. A surcharge of 3% will be assessed for all transactions originated in a foreign country.

Balance and Activity Information.
You will not receive regular periodic statements with respect to your Card. You are responsible for keeping track of the transactions on your Card to ensure that you do not exceed your Available Balance. You can review your Available Balance and Activity Report by calling toll-free (800) 279-5412 or visiting https://www.onlinecardaccess.com/rentcom/. This information is available to you 24 hours a day, 7 days a week.

Expiration of Card. Your Card will expire upon the expiration date on the face of the Card. Upon expiration, any promotional value remaining on your Card will be forfeited, unless not permitted by law.

Section 3. FEES AND CHARGES.

We may charge the following fees in the amounts indicated on the Fee Schedule provided with your Card. The amount of any fee will be deducted from your Available Balance at the time the fee becomes due or as otherwise indicated.

Lost or Stolen Card Fees. There will be fees charged for the replacement of any lost or stolen Card and for express delivery of a replacement Card. These fees will be deducted from the Available Balance remaining on the Card at the time a replacement Card is issued.

Section 4. PRIVACY DISCLOSURE OF CARD INFORMATION TO THIRD PARTIES. We will disclose information to third parties about your Card or the transfers you make:

• Where it is necessary for completing the transfers; or
• Where there has been unauthorized use of your Card; or
• In order to comply with government agency or court orders; or
• As provided in the enclosed insert relating to our information collection and sharing practices and policies.

In addition, Cardholder information may be provided to Visa for the purposes of providing certain services, including emergency cash or emergency Card replacement. PLEASE REFER TO THE ENCLOSED INSERT FOR ADDITIONAL INFORMATION CONCERNING OUR INFORMATION COLLECTION AND SHARING PRACTICES AND POLICIES.

Section 5. TELEPHONE AND INTERNET ACCESS TO INFORMATION. You may display your Available Balance or an Activity Report by going to https://www.onlinecardaccess.com/rentcom/ on the Internet, or you may hear the information by calling toll-free (800) 279-5412. Customer service representatives are available 24 hours a day, 7 days a week. A fee in the amount indicated on Fee Schedule will be imposed each time you use these services.

Section 6. PREAUTHORIZED TRANSFERS. You will not be able to make preauthorized regular payments with your Card.

Section 7. OUR LIABILITY. If we do not complete a transfer from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If through no fault of ours, a merchant refuses to honor your Card.
• If through no fault of ours, you do not have enough money in your Available Balance to make the withdrawal or purchase.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transaction.
• If circumstances beyond our control (such as flood or fire or an act of war or an event of terrorism) prevent the transfer, despite reasonable precautions that we have taken.
• There may be other applicable exceptions.

Section 8. ERROR RESOLUTION. A record detailing your use of your Card ("Activity Report") may be communicated to you at https://www.onlinecardaccess.com/rentcom/ on the Internet, or accessed by you calling toll-free (800) 279-5412. In case of errors or questions about your Card or if any Activity Report shows transactions that you did not make, call us as soon as you can at (800) 279-5412 or write us at:

Bankcard Services
Prepaid Dispute Department
P.O. Box 1481
Madison, Wisconsin 53701

We must hear from you no later than 60 days after we communicated the FIRST Activity Report on which the problem or error appeared.

• Tell us your name and Card number.
• Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days.

We will generally tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of documents that we used in our investigation.

Section 9. YOUR LIABILITY FOR UNAUTHORIZED USE. IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, CALL US AT ONCE TOLL-FREE AT (800) 279-5412. Calling is the best way to keep your losses down. If your Card has been lost or stolen, we will close your Card to minimize losses.

If you do NOT contact us promptly after you learn of the loss or theft of your Card, and we can prove your notice could have stopped someone from using your Card, you could lose as much as $50 (or, if less, the full amount of value stored on the Card). Under Visa's zero liability policy: you must reasonably demonstrate that you exercised reasonable care in safeguarding your Card from risk of loss and theft; your Card must be in good standing (e.g., not presently or recently overdrawn, and not presently or recently under suspicion of possible illegal or suspicious use); and we cannot have received more than one other report of unauthorized use of your Card in the last 12 months; and, if we do not collect personal information about you for your security, you must be able to provide information about your Card transactions so that we may verify that you are in fact the Cardholder. For this policy to apply, the unauthorized use of your Card must have been processed directly through Visa and not through another financial institution's or a third party's non-Visa network.

Section 10. AMENDMENT. We can change this Agreement, including all fees, at any time, and such changes will be binding on you. If required by law, we will give you written notice of the change prior to the effective date of the change. However, if the change is made for security purposes or as a result of changes in fees, changes or costs imposed by any party other than us, we can implement it without prior notice. Your use of the Card constitutes acceptance of any amendment implemented by us.

Section 11. OUR RIGHT TO SET-OFF. If you ever owe us money as a borrower, guarantor, or otherwise, and it becomes due, we have the right under the law (called set-off) to use the money from your account to pay the debt. We may charge against any of your accounts any debt you owe us, now or in the future, without going through any legal process or court proceedings.

Section 12. TERMINATION. We reserve the right to terminate this Agreement or any of the services that are described herein in the event we choose to discontinue this promotional card program. If we discontinue honoring your Card, you should call us at (800) 279-5412 for further instructions. You may, at any time, terminate this Agreement, or any of the services to which you subscribe by giving us written notice. Termination will not affect any of our rights or your obligations arising under this Agreement prior to termination.

Section 13. ARBITRATION. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.

Agreement to Arbitrate. Either you or we may, without the other's consent, elect mandatory, binding arbitration for any claim, dispute, or controversy between you and us (called "Claims").

Claims Covered.

• What Claims are subject to arbitration? All Claims relating to your Card, a prior related account, or our relationship are subject to arbitration, including Claims regarding the application, enforce¬ability, or interpretation of this Agreement and this arbitration pro¬vision. All Claims are subject to arbitration, no matter what legal theory they are based on or what remedy (damages, injunctive or declaratory relief) they seek. This includes Claims based on contract, tort (including intentional tort), fraud, agency, negligence, statutory or regulatory provisions, or any other sources of law; Claims made as counterclaims, cross claims, third party claims, interpleaders or otherwise; and Claims made independently or with other claims. A party who initiates a proceeding in court may elect arbitration with respect to any Claim advanced in that proceeding by any other party. Claims and remedies sought as part of a class action, private attorney general or other representative action are subject to arbitration on an individual (non class, non-representative) basis, and the arbitrator may award relief only on an individual (non class, non representative) basis.
• Whose Claims are subject to arbitration? Not only ours and yours, but also Claims made by or against anyone connected with us or you or claiming through us or you, such as a co applicant or authorized user of your Card, an employee, agent, representative, affiliated company, predecessor or successor, heir, assignee, or trustee in bankruptcy.
• What time frame applies to Claims subject to arbitration? Claims arising in the past, present, or future, including Claims arising before the opening of your Card, are subject to arbitration.
• Broadest interpretation. Any questions about whether Claims are subject to arbitration shall be resolved by interpreting this arbitration provision in the broadest way the law will allow it to be enforced. This arbitration provision is governed by the Federal Arbitration Act (the "FAA").
• What about Claims filed in Small Claims Court? Claims filed in a small claims court are not subject to arbitration, so long as the matter remains in such court and advances only an individual (non class, non representative) Claim.

How Arbitration Works.

• How does a party initiate arbitration? The party filing an arbitration must choose one of the following arbitration firms and follow its rules and procedures for initiating and pursuing an arbitration: American Arbitration Association or National Arbitration Forum. Any arbitration hearing that you attend will be held at a place chosen by the arbitration firm in the same city as the U.S. District Court closest to your then current billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the three arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows:
  
  

  American Arbitration Association
  225 North Michigan Avenue, Suite 2527
  Chicago, IL 60601-7601
  Web site: www.adr.org
  
  National Arbitration Forum
  P.O. Box 50191
  Minneapolis, MN 55405
  Web site: www.arbitration forum.com
  

  At any time you or we may ask an appropriate court to compel arbitration of Claims, or to stay the litigation of Claims pending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails to exercise these rights at any particular time, or in connection with any particular Claims, that party can still require arbitration at a later time or in connection with any other Claims.

• What procedures and law are applicable in arbitration? A single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least 10 years experience or a retired or former judge, selected in accordance with the rules of the arbitration firm. The arbitration will follow procedures and rules of the arbitration firm in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Agreement, in which case this Agreement will prevail. Those procedures and rules may limit the discovery available to you or us. The arbitrator will take reason¬able steps to protect customer information and other confidential information if requested to do so by you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party any damages or other relief provided for under applicable law. You or we may choose to have a hearing and be represented by counsel. The arbitrator will make any award in writing and, if requested by you or us, will provide a brief statement of the reasons for the award. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, or on the resolution of any other dispute.

• Who pays? Whoever files the arbitration pays the initial filing fee. If we file, we pay; if you file, you pay, unless you get a fee waiver under the applicable rules of the arbitration firm. If you have paid the initial filing fee and you prevail, we will reimburse you for that fee. If there is a hearing, we will pay any fees of the arbitrator and arbitration firm for the first day of that hearing. All other fees will be allocated as provided by the rules of the arbitration firm and applicable law. However, we will advance or reimburse your fees if the arbitration firm or arbitrator determines there is good reason for requiring us to do so, or if you ask us and we determine there is good reason for doing so. Each party will bear the expense of that party's attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines.

• Who can be a party? Claims must be brought in the name of an individual person or entity and must proceed on an individual (non class, non representative) basis. The arbitrator will not award relief for or against anyone who is not a party. If you or we require arbitration of a Claim, neither you, we, nor any other person may pursue the Claim in arbitration as a class action, private attorney general action or other representative action, nor may such Claim be pursued on your or our behalf in any litigation in any court. Claims, including assigned Claims, of two or more persons may not be joined or consolidated in the same arbitration. However, applicants, co applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as one person.

• When is an arbitration award final? The arbitrator's award is final and binding on the parties unless a party appeals it in writing to the arbitration firm within fifteen days of notice of the award. The appeal must request a new arbitration before a panel of three neutral arbitrators designated by the same arbitration firm. The panel will consider all factual and legal issues anew, follow the same rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Costs will be allocated in the same way they are allocated for arbitration before a single arbitrator. An award by a panel is final and binding on the parties after fifteen days have passed. A final and binding award is subject to judicial review and enforcement as provided by the FAA or other applicable law.

SCHEDULE OF FEES and LIMITS