Ally CashBack Credit Card Program Important …

1 ally CashBack Credit card Program Important Credit card terms and Conditions Rates, fees and other Important costs ofthe AllyCashBackCredit Cardare disclosedbelow. Additional fees andaccount terms are describedinthe AllyCashBackCredit CardAgreement that will be enclosedwiththe card if a Credit card account is opened. The terms disclosed below andin the ally CashBack Credit card Agreement (together, the Agreement ) andthe ally CashBack reward Program may be changed at any time subject to applicable law.

2 Based on our evaluation of your Credit report and other factors, if approved for an ally CashBackCredit card , youmayreceive a Credit cardaccount (an Account )witha minimumcredit line of$500. or more. If you apply and are approved, you will receive either a Signature Visa card if your approved Account Credit limit is $5,000 or greater or a Platinum Visa card if your approved Account Credit limit is less than $5,000. Both Signature and Platinum cards have the same terms and conditions, however, the Signature card comes with added Visa Signature benefits such as complimentary 24/7 concierge support, access to exclusive events, special shopping perks and more.

3 The information about the costs of the card described below is accurate as of July 10, 2018. This information may have changed after that date. To find out what may have changed, please call Credit card Services at 1-888-916-2559 or write to TD card Services, Box 84037, Columbus, GA 31908-4037. Interest Rates and Interest Charges Annual Percentage Rate (APR) , or , based on your creditworthiness. All APRs will for Purchases vary with the market based on the Prime Rate. 0% Introductory APR for the first 12 billing cycles after Account opening.

4 APR for Balance Transfers After that, your APR will be , or based on your creditworthiness. All APRs will vary with the market based on the Prime Rate. APR for Cash Advances This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge on Purchases you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $ For Credit card Tips from To learn more about factors to consider when applying for or using a the Consumer Financial Credit card , visit the website of the Consumer Financial Protection Bureau Protection Bureau at Fees Annual Fee None Transaction Fees Balance Transfers Either $5 or 3% of the amount of each transfer, whichever is greater.

5 Cash Advances Either $10 or 5% of the amount of each cash advance, whichever is greater. Foreign Transactions 3% of each transaction in dollars. Penalty Fees Late Payment Up to $35. How We Will Calculate Your Balance: We use a method called Average Daily Balance (including Current Transactions).. Procedures for Opening a NewAccount (USA Patriot Act): Tohelpthe government fight the funding ofterrorismandmoneylaundering activities, federal lawrequires all financial institutions toobtain, verifyandrecord informationthat identifieseachpersonwhoopens anAccount.

6 What this means toyou: WhenyouopenanAccount, we will askfor your name, address, date ofbirth, andother informationthat will allowus toidentifyyou. We may also ask to see your driver's license or other identifying documents. Notice to Active Duty Service Members and Dependents: If you would like more information regarding your account, please call us at 1-855-634-1442. How the Variable APRs on Your Account Are Determined: The APRs on your Account will be determined each billing cycle by adding a margintothe Index.

7 Please see your AllyCashBackCredit CardAgreement for more information. Loss of Introductory APR: If youare 60 days past due, we mayendyour introductoryAPRfor Balance Transfers andapplythe standardAPRfor Balance Transfers as statedinthe Interest Rates andInterest Charges Table, to all existing and new Balance Transfer balances on the Account. Margins: For Purchases andBalance Transfers, , or will be addedtothe Index; for Cash Advances, be added tothe Index. Index: The APRs that apply to your Account are subject to change each Billing Cycle with changes tothe Index.

8 The Indexis the Prime Rate ( )as publishedinthe MoneyRates sectionofThe Wall Street Journal. As of July 10, 2018, the Prime Rate was About This Credit card Program : This Credit card Program is issued and administered by TD Bank, ( TD Bank )locatedinWilmington, DE. AnyAccount openedinresponse tothis applicationshall be governedby the laws ofthe State ofDelaware. Visa is a registeredtrademarkandservice markofVisa International Service Association, andis usedpursuant toa license. card Eligib il ity: To be eligible for an Account, you must meet certain minimum income, residency , age, Credit quality and other requirements.

9 Balance Transfers: You may be able to transfer balances from eligible Credit card accounts to your Account. Balance Transfers are subject to a fee based on the amount of the transfer with a minimum fee as indicated in the Fees table, and are subject to your available Credit limit. Should your Balance Transfer request be approved, the amount of the Balance Transfer transaction fee will be added to your minimum monthly payment amount in the month the Balance Transfer posts to your Account. Each month you must pay at least the full amount of your minimum monthly payment which wil include any Balance Transfer transaction fee(s) by the payment due date specified on that statement.

10 The minimum Balance Transfer amount is $250(plus the applicableBalance Transfertransactionfee for the Account). We maylimit the number andtypes ofcredit cardaccounts fromwhichwe will allowBalance Transfers, andthe times, manner andcircumstances inwhichBalance Transfers maybe requested. Balance Transfersmaynot be payable toyouor made payable tocash. Balance Transfers maybe usedtopayoffother creditors, but cannot be used topayoff accounts owned byTD Bankor toanybank now or previouslyaffiliatedwithTD Bank.