How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”

†The account transactions we treat as Purchases include “Gaming Transactions,” which are transactions submitted by a merchant using Merchant Category Code (MCC) 7995, 7801, 7800, or 7802, including those used to purchase lottery tickets, casino gaming chips, off-track betting, and wagers. We do not determine the MCC used by any merchant. The MCC is determined by the merchant, its financial institution, and the card network based on the merchant’s primary line of business.

USA Patriot Act: To help 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 to you: When you open an account, we will ask you 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.

Military Lending Act Disclosure; Statement of Military Annual Percentage Rate (“MAPR”): 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 dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; (3) any application fee charge (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other than certain participation fees for a credit card account). Oral Disclosures: To hear important MLA disclosures and payment information provided in this Agreement, please call (866) 952-0051.

Terms and Conditions: The words “you” and “your” apply to each person who submits the application. The words “we,” “us,” and “our” mean GBank, its successors, assigns, and their respective agents and service providers. By submitting the application, you agree that you read these application disclosures, terms, and conditions, and you affirm that everything you stated in your application to us is true and complete. You certify that you are at least 18 years of age. To be eligible for this offer, you understand that your residential address must be in Washington, D.C. or any of the 50 states of the United States (excluding Iowa). You authorize us to obtain consumer report, employment, income, address, identity, and other information about you from consumer reporting agencies, other financial institutions, creditors, landlords, employers, government agencies, and other legitimate third party information sources to evaluate your application and, if we open an account for you, to review, collect, and service your account and manage our relationship with you. If you ask us, we will tell you the name and address of any consumer reporting agency from which we obtained a consumer report. This card may not be available to you if you currently have or have had the card in the preceding 24 month period. You consent to our sharing of information about you and your account with the organization, if any, endorsing this credit card program. You authorize us to share with others, to the extent permitted by law, information about our credit experience with you. You may, as a customer, indicate a preference later to exempt your account from some of the information-sharing with other companies (“opt-out”), as explained by our privacy notices. If you accept or use an account, you do so subject to the terms of these Application Disclosures, Terms and Conditions, the Account Opening Disclosures, and the GBank Consumer Credit Card Agreement, as may be amended from time to time according to its terms. Each of you and all of you promise, individually and together, to pay us all amounts due on your account and under the GBank Consumer Credit Card Agreement, any time the account is used by any of you or by any authorized user of the account. Any changes you make to the terms of this application will have no effect. You understand that the Annual Percentage Rate you receive will be determined based on your creditworthiness. You understand that only a portion of your account credit limit will be available for Cash Advances. You agree that we may, on a periodic basis, consider your account for an automatic upgrade at our discretion. By applying and providing your telephone number(s) and email address(es), you expressly authorize us, any of our affiliates, or our marketing associates, agents and service providers to use any available written, electronic, or verbal means of contacting you for any purpose related to the servicing and collection of your accounts with us, for surveys and research, and for any other informational purpose related to your accounts with us (each, a “Communication”). You agree this authorization for Communications includes, but is not limited to, our use of manual calling methods, prerecorded or artificial voice messages, text messages, e-mail messages, and/or automatic telephone dialing systems. You agree that we, any of our affiliates, or our marketing associates, agents and service providers may contact you for these Communications using any e-mail address or telephone number you provide, including a number for a cellular telephone or other wireless device, regardless of any charges you may incur as a result. We will not charge you for making a Communication, but your service provider may. You agree that we, any of our affiliates, or our marketing associates, agents and service providers may monitor and record telephone calls about your account to assure service quality or for other legitimate business reasons. You understand and agree that we, any of our affiliates, or our marketing associates, agents and service providers may always communicate with you in any manner permitted by law that does not require your prior consent. If additional development is necessary based on the application information provided, we will make every attempt to contact you. You may receive different GBank promotional credit card offers by various methods, i.e. mail, in person or email/online. These promotional offers may have different terms based on how GBank introduces them. To ensure you respond to the correct offer, please apply using the options described in the original offer received.

GBank Credit Card Rewards Program Information. How You Earn Rewards:When Eligible Customers use their GBank Rewards Credit Card Account to make authorized Purchases (including for Gaming Transactions), they earn rewards based on their Net Purchases (authorized Purchases made with an Eligible Customer’s Account, minus returns, credits, and adjustments). Gaming Transactions are authorized transactions submitted by a merchant using Merchant Category Code (MCC) 7995, 7801, 7800, or 7802. No rewards are earned in connection with any unauthorized or fraudulent Purchase, Cash Advance, Promotional Offer, interest charges, other charges and fees, or other transactions or amounts described by the Reward Program Terms and Conditions, as may be amended from time to time. Base Rewards: Net Purchases other than Gaming Transactions earn 2% rewards (equal to $0.02 for every $1.00 in applicable Net Purchases). Net Purchases for Gaming Transactions earn 1% rewards (equal to $0.01 for every $1.00 in applicable Net Purchases). Rewards Redemption and Reversals: Eligible Customers may redeem Rewards as statement credits by calling GBank’s customer service number 866-952-0051 or by using GBank’s mobile/web app. Subject to a redemption minimum of $25.00, Rewards may be used after they are earned. Redemption of Rewards is final, unless a Reward becomes subject to a full or partial Reversal due to a credit, return, or other adjustment in the Account. If we reverse a Redeemed Reward or adjust a Cardholder’s Reward Balance, the Reversal will be reflected on the periodic statement for the billing cycle in which the Reversal occurred. There is no maximum amount of Rewards that may accumulate on an Eligible Customer’s Account. Rewards Expiration or Cancellation: Rewards of an Eligible Customer do not expire while they maintain an open Account. If an Account is closed or suspended for any reason, any unredeemed Rewards associated with the Account shall be void. Program Terms and Conditions: Rewards Program Terms and Conditions with additional details will be sent to Eligible Customers with their Account opening materials. Rewards may not be transferred or redeemed for cash. Cardholders are responsible for any tax liability that may result from Program participation. Other significant terms apply. Program subject to change.

Mobile Banking.Mobile Banking requires you to download the GBank mobile banking app, which is available only for select mobile devices. Message and data rates may apply.

Alerts. You may elect to receive alerts by text or email. We do not charge for this service, but your mobile carrier’s message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carrier's coverage.

$0 Liability Guarantee for Fraudulent Transactions. The $0 Liability Guarantee covers fraudulent transactions made by others using your GBank consumer credit card account (the “Account”). Billing disputes that arise from authorized transactions, such as transactions where you are dissatisfied with your purchases from a merchant, are not covered by this guarantee. See the section called “Your Billing Rights” in the GBank Consumer Credit Card Agreement for more information about rights and responsibilities under applicable law. To be covered by this $0 Liability Guarantee for Fraudulent Transactions, do not share personal or account information with anyone. Claims may be filed by the accountholder only against posted and settled transactions. Claims are subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.

Card Benefits. Certain restrictions apply to each benefit. Details accompany new account materials.