No annual fee

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How it works

From 26.99% to 29.99% Annual Percentage Rate
$350 & up credit limit
Unlimited 3% cash back on airfare
Build credit history
Reports to major credit agencies
New to credit? No problem

*Annual Percentage Rate. Remains fixed for life of the card.

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No annual fee

Say goodbye to annual charges. Credit builder Neu Card lets you build credit with no annual fee.

$350 & higher

Get access to a starting credit line of $350 & up. We make it easier to begin your journey toward financial freedom.

Variable APR

Pay off monthly and skip interest entirely. If you carry a balance, your variable APR will range from 26.99% to 29.99% — and we’re always upfront about how it works.

Student friendly

Built with students in mind. No prior credit experience needed, and no co-signer required. Just an easy way to build your future, starting today.

Easy approval

We keep it simple. Apply in minutes, get quick decision — no credit score needed. Just show us you’re ready, and we’ll take care of the rest.

Globally friendly

If you are new to the U.S. and don’t have a Social Security Number (SSN), don’t fret — we have a path for internationals to apply without an SSN.

Even more perks

Pick your vibe
Select a color that you like the most.
Get $20
That's right, get $20 for every friend you refer who is approved for Neu Card, up to 25 friends.
Easy to use
Apply, pay & watch your credit score grow — all in the app.
Build credit history
Every payment you make helps build and strengthen your credit history — automatically and effortlessly, just by using the app.
Apply now
Plus more
- Quick apply
- Fraud protection
- Freeze your card

Manifesto

At Neu, we believe everyone starting to build credit
…students, recent graduates, immigrants,
and anyone overlooked by traditional banks
…should be supported, not exploited.
…that everyone deserves a fair chance
at financial wellness regardless of race,
gender identity or upbringing.
…that credit should be built up,
not broken down.
…that hidden charges and high interest
are harmful.
…financial literacy is empowering.
…transparency and authenticity build trust.
We believe that everyone starting from scratch
desperately need a new way to get in the game.
That’s why we made Neu
…to give everyone a safe, inclusive,
and easy way to build their financial futures.
No predatory BS.

Apply in under 5 mins

Terms & Conditions

Pick a topic and learn more about Terms & Conditions for using the Neu Card and mobile app.

The Neu Money “Neu” Card Cardholder Agreement

Cardholder Agreement

August, 2024

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.

September, 2025

Neu Card 1
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 at least 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 $7 for $350+ Credit Limit Card
Transaction Fees	Balance Transfer: Balance transfers are not available for your Card. Cash Advance: Cash Advance is not available for your Card. Foreign Transaction: 0.00% of transaction amount
Penalty Fees	Late Payment: $30 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: $30
Other fees:	None

Neu Card 2
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	[26.99% to 29.99%] based on your creditworthiness.
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 at least 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	None
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: There is no subscription fee for your Card.
Transaction Fees	Balance Transfer: Balance transfers are not available for your Card. Cash Advance: Cash Advance is not available for your Card. Foreign Transaction: 0.00% of transaction amount
Penalty Fees	Late Payment: $30 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: $30
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.

Fixed Rate: If you have a fixed rate APR, your APR will not vary with the market.

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.

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

Things You Should Know About This Card

How much is the Interest Charge?

Congratulations for selecting this card.

If you selected Neu Card 1, your interest rate is 0%.

If you selected the Neu Card 2, your INTEREST rate is between 26.99% to 29.99% based on your creditworthiness.

Can You Change My Account Terms?

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

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.

The Neu Money “Neu” Card

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. 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.

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

As a Neu Money “Neu” Card member, 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 Neu Card 1 is the lower of $1,000 or the highest credit limit amount that you were initially approved for.
The maximum credit limit for Neu Card 2 is the lower of $2,500 or the highest credit limit amount that you were initially approved for.

Subscription Fee

When you open a Neu Card 1, 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. For the first month, the subscription fee will be pro-rated based on when the account is opened during the month. 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

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 Finciity’s Terms of Use, you cannot use these services.

Protecting your Account Information and Credentials

Your Promise to Pay

You promise to pay us all amounts due on your Account. This includes all interest charges, Fees, and all other charges and costs which are applied to 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

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

Late Payment Fee

We currently charge a late payment fee of up to $30.

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 charge you a fee of $30 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

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 available for your Card. You will not be charged a foreign transaction fee for any foreign currency transaction on your account.

No Warranties

Merchant Refunds

Minimum Payment

Neu Card 1:

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

$30 (or your full balance if it’s less than $30) or,
3% of your ending balance for the Statement plus any outstanding fees and any amounts past due.

Neu Card 2:

The minimum payment will equal the “New Balance” shown on your statement if that amount is less than $30. If the New Balance exceeds $30, the minimum payment will equal the greater of 3% of the New Balance or $30, plus the entire portion of the New Balance in excess of your Credit Limit, plus any amount past due.

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 either by direct bank transfer using the Account and Routing number we’ll provide to you or through a mailed cashier’s check before we can close your account. Cashier’s checks can be made payable to:

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

Faster Payment Services

Payment Processing

How We Apply Your Payments

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

Items with Restrictive Words, Conditions, or Instructions

Credit Balances

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.

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

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

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-NEU-DIAL. 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-NEU-DIAL. 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.

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.

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-NEU-DIAL 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

Share Program a.k.a., “Referral Program

Your Representations and Warranties.

Changes to your Agreement.

The Law that Applies to your Agreement

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.

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

Binding Effect; Survival; Severability

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. Alternatively, you may email us at support@neumoney.app within sixty (60) calendar days of the date of this Agreement. Please include “Opt-Out Notice” in the subject of the email. 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.

Armed Forces Members and Dependents

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 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). To be provided with an oral disclosure of this information, please call toll-free 1-844-NEU-DIAL.

This Agreement shall be interpreted to comply with the Military Lending 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

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.

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.

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 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

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

Appendix B

ADDITIONAL DISCLOSURES

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

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.

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

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.

E-Sign Policy
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.

One-time Payment Authorization
One-time Payment Authorization
I authorize Neu Money, Inc., doing business as “Neu”, to make a one-time payment from my linked bank account for the amount and date specified.

I understand that this authorization will remain in effect until I cancel it in writing, and I agree to notify Neu Money, Inc. in writing of any changes in my account information or termination of this authorization at least 15 days prior to the next billing date. If the above noted payment dates fall on a weekend or holiday, I understand that the payment may be executed on the next business day. For ACH debits to my checking/savings account, I understand that because this is an electronic transaction, these funds may be withdrawn from my account as soon as the above noted periodic transaction dates. In the case of an ACH Transaction being rejected for Non-Sufficient Funds (NSF), I understand that Neu Money, Inc. may, at its discretion, attempt to process the charge again within 30 days, and agree to an additional $35 charge for each returned NSF which will be initiated as a separate transaction from the one-time payment I have authorized. I acknowledge that the origination of ACH transactions to my account must comply with the provisions of U.S. law. I certify that I am an authorized user of this bank account and will not dispute these scheduled transactions with my bank; so long as the transactions correspond to the terms indicated in this authorization form.

Payment Cancellation: Neu Money Inc. requires at least 48-hours advance notice to cancel a pending payment. I understand that payments cannot be canceled within the 48-hour window prior to the scheduled payment date.

Important Definitions:

Full Amount Due: Your total balance as of the statement issuance date, which will be indicated on your monthly statement.

Minimum Due: The payment amount required to keep your account in good standing, which is indicated on your monthly statement. This amount may vary according to your “Full Amount Due” each month.

Custom Amount: The amount you elect during Autopay Enrollment to be paid each scheduled payment date. In the event that your selected “Custom Amount” is less than your “Minimum Due” as indicated on your monthly statement, you will need to send us an additional payment for the difference between the two amounts in order to keep your account in good standing.

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.
Autopay Authorization
Autopay Authorization
I authorize Neu Money, Inc., doing business as “Neu”, to make automatic payments from my linked bank account. The payment amount for the recurring monthly payment will vary based on the limit on your credit card. In general, the recurring monthly payment will:

Be a minimum of $0.01 and will not exceed a maximum of $200 (for a $200 credit limit card)

Be a minimum of $0.01 and will not exceed a maximum of ¹$350 – $1,000 (for a $350 – $1,000 credit limit card)

I can cancel these payments before they start processing by signing into my account on the app. I authorize Neu Money, Inc. to debit the following (user to choose one option) on the scheduled payment date:

Minimum Due

Full Amount Due

Custom Amount

I understand that this authorization will remain in effect until I cancel it in writing, and I agree to notify Neu Money, Inc. in writing of any changes in my account information or termination of this authorization at least 15 days prior to the next billing date. If the above noted payment dates fall on a weekend or holiday, I understand that the payments may be executed on the next business day. For ACH debits to my checking/savings account, I understand that because these are electronic transactions, these funds may be withdrawn from my account as soon as the above noted periodic transaction dates. In the case of an ACH Transaction being rejected for Non-Sufficient Funds (NSF), I understand that Neu Money, Inc. may, at its discretion, attempt to process the charge again within 30 days, and agree to an additional $35 charge for each returned NSF which will be initiated as a separate transaction from the authorized recurring payment. I acknowledge that the origination of ACH transactions to my account must comply with the provisions of U.S. law. I certify that I am an authorized user of this bank account and will not dispute these scheduled transactions with my bank; so long as the transactions correspond to the terms indicated in this authorization form.

Important Definitions:

Full Amount Due: Your total balance as of the statement issuance date, which will be indicated on your monthly statement.

Minimum Due: The payment amount required to keep your account in good standing, which is indicated on your monthly statement. This amount may vary according to your “Full Amount Due” each month.

Custom Amount: The amount you elect during Autopay Enrollment to be paid each scheduled payment date. In the event that your selected “Custom Amount” is less than your “Minimum Due” as indicated on your monthly statement, you will need to send us an additional payment for the difference between the two amounts in order to keep your account in good standing.

¹The maximum amount of a recurring monthly payment is equivalent to the total card credit limit. Please contact support@neumoney.app with any questions about setting up a recurring monthly payment.

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.
Share Program Terms
Share Program Terms
Effective September 18, 2025

Overview

The “Neu” Referral Program (“Referral Program”) is a promotional Referral Program offered by Neu Money, Inc (DBA “Neu”) whereby current active customers (“Referring Customer”) are awarded a $20 Referral Reward (“Referral Reward”) for each new customer (“Referred Individual”), up to 25 Referred Individuals every calendar year, who apply, are approved and activate their Neu card. Referral Rewards are granted in the form of statement credit that is automatically redeemed towards the customer’s accrued statement balance at the beginning of each month as described herein. By participating in the Referral Program, you are accepting and agreeing to the rules as defined herein. These rules form an agreement between you and Neu with respect to the Referral Program. You should read these rules carefully. Neu reserves the right to modify or terminate the Referral Program at any time and in any manner, in whole or in part, as defined below.

Program Eligibility

The Neu Referral Program(“Referral Program”) is open to all current active Neu customers whose account is in “Good Standing” (“Good Standing” is defined below) and in compliance with the terms and arbitration agreement found in the Neu Money DBA “Neu” Card Cardholder Agreement as may be amended from time to time, and any other disclosures agreed to as part of opening your Neu credit card.

Definition of Account in “Good Standing”: Neu Money defines a credit card account in good standing for the purposes of this Referral Program, as including but not being limited to an account that has been approved for one or both subscription options with a valid external bank account linked and is active, not blocked, not past due, flagged, or restricted in any way.

Referring Customers or Referred Individuals cannot have more than one Neu credit card account at any time.

Referring Customers may only refer individuals who have never had a Neu credit card account.

Referrals must only be made to individuals that the Referring Customer knows personally as the Referral Program is not intended for commercial use or distribution such as through bulk emails, social media pages created specifically for generating Referrals, websites, newspapers, automated systems, bots, advertisements, etc.

Neu or Cross River Bank employees or either of their affiliates are not eligible to participate in the Referral Program.

Neu, in its sole and absolute discretion, reserves the right to determine Referral Program eligibility for referring customers and Referred Individuals at any time.

This program is void elsewhere and wherever it is prohibited by law.

Referral Process

To refer an individual, Referring Customers must share their unique referral link with eligible individuals who may be interested in opening a Neu Credit Card account.

The unique referral link is accessible in the Neu mobile app.

Referred Individuals accept a referral invite by tapping on the referral link in the text message that was sent to them by the Referring Customer.

Subject to the Referral Program rules, after a Referred Individual applies and is approved for a Neu Credit Card, the Referring Customer will be awarded a $20 statement credit attributed to the outstanding account balance on their Neu Credit Card account.

Referral Credit will not be awarded to the Referring Customer if the Referred Individual does not use the unique referral link sent to them by the Referring Customer.

Referring Customers can refer up to 25 individuals per calendar year.

Redemption

Subject to the Referral Program rules, after a Referred Individual applies, is approved and has activated their Neu Card, the Referring Customer will be awarded a $20 Referral Reward in the form of a statement credit that is automatically applied to the outstanding balance on their Neu Credit Card account.

The $20 Referral Reward will be calculated at the close of the billing cycle that it was earned in and applied to any outstanding balance on the Referring Customer’s Neu Credit Card Account at the beginning of the following month.

No Outstanding Balance on Account: In the event that no outstanding balance exists on the Referring Customer’s account, the awarded $20 Referral Reward statement credit will be carried forward and applied to any balance incurred during the next billing cycle.

Referring Customers may earn no more than $500.00 in Referral Rewards per calendar year.

Neu cannot disclose to the Referring Customer any information about a Neu Credit Card Account opened by any Referred Individual.

Compliance with Program Terms

Rewards cannot be sold, transferred, or redeemed for cash.

Neu retains full discretion to determine qualification for the Referral Reward.

Neu reserves the right to refuse to issue a Referral Reward for any reason that Neu may deem appropriate, including but not limited to, noncompliance with the Referral Program Rules or any fraudulent or illegal behavior.

Referral Rewards will only be issued to Neu Credit Card accounts that have completed all of the referral process steps described herein and found to be in good standing.

Definition of Account in “Good Standing”: Neu Money defines a credit card account in good standing for the purposes of this Referral Program, as including but not being limited to an account that has been approved for one or both subscription options with a valid external bank account linked and is active, not blocked, past due, flagged, or restricted in any way.

Any personal information collected as part of the Referral Program will be processed and used in accordance with Neu’s Privacy Policy.

Termination and Modification to Program

Neu, in its sole and absolute discretion, reserves the right to terminate, suspend, or modify the Referral Program Rules, eligibility requirements, amount of reward, type of reward, conditions of participation, or any other aspect of the Referral Program, in whole or in part, at any time, with or without notice; however, any changes will not impact previous Referral Rewards earned.

Dispute Resolution

Any disputes arising from these Referral Program rules are subject to the arbitration agreement and class action waiver contained in Neu’s Cardholder Agreement.

Referring Customer concerns regarding perceived Referral Reward inaccuracies must be raised using the following steps:

Send details about the perceived inaccuracy by email to support@neumoney.app

Neu, in its sole discretion, will review the details of the perceived inaccuracy and determine whether or not a correction to the identified Referral Reward is necessary.

Any Referral Reward correction initiated by Neu will be made at Neu’s sole discretion and, if applicable, as a one-time courtesy.

Limitation on Liability and Disclaimer of Warranties

By participating in the Referral Program, you agree that Neu, it’s agents, representatives, affiliates, and employees will have no liability whatsoever for any injuries, losses, claims, damages or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, resulting from your participation in the Referral Program or receipt or use of any Referral Reward, any failure or unforeseen delay by Neu in connection with the Referral Program, or the performance or non-performance of the Referral Program by Neu, even if Neu has been advised of the possibility of damages. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, communications line failure, theft or destruction, unauthorized access to, alteration of, or use of any information provided by any person participating in the Referral Program.

Neu makes no warranty of any kind regarding the Referral Program or any Referral Reward, which are provided on an “as is” and “as available” basis. Neu expressly disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Neu is not responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Referral Program or any Referral Reward, including without limitation that the Referral Program will be error-free, or as to the accuracy, completeness and timeliness of any content or information distributed with respect to the Referral Program. Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you.

These Referral Program rules make up the entire agreement between you (“The Customer”) and Neu relating to the Referral Program and replace any prior understandings or agreements (whether oral or written) regarding the Referral Program. Any disputes arising from the Referral Program rules will be subject to the arbitration agreement and class action waiver contained in Neu’s Cardholder Agreement.

For questions regarding the Referral Program Rules, please contact Neu Support at support@neumoney.app

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.
Cash Back Rewards Program Terms
Cash Back Rewards Program Terms
Effective October 19, 2023

Overview

Neu customers (“You”) who are subscribed to the “Neu Grow” or “Neu Grow and Expand” plan are automatically enrolled in Neu’s (“Us”) Cash Back Rewards Program where every purchase transaction earns 1.25% in cash back that is automatically redeemed towards any outstanding balance on their Neu Credit Card account. Neu may, from time to time, offer additional opportunities to earn higher percentages of cash back when customers make a qualifying purchase during a designated promotional period at participating merchants as described below.

Program Participation

The Cash Back Rewards Program is available to all Neu Customers who are currently subscribed to Neu’s “Build” or “Build + Expand” subscription plan with an account that is in “Good Standing” (“Good Standing” is defined below) and in compliance with the terms and arbitration agreement found in the Neu Money DBA “Neu” Card Cardholder Agreement as may be amended from time to time, and any other disclosures agreed to as part of opening your Neu credit card.

Definition of Account in “Good Standing”: Neu Money defines a credit card account in good standing for the purposes of this Cash Back Rewards Program, as including but not being limited to an account that has been approved for one or both subscription options with a valid external bank account linked and is active, not blocked, past due, flagged, or restricted in any way.

If at any time your Neu Credit Card account is not in Good Standing, we may, in our sole discretion, temporarily block your account and suspend your ability to make transactions or close your account permanently.

If your account is not in Good Standing, and we temporarily block your account as a result, you will not earn Cash Back beyond the first statement that is generated after your card is blocked (provided that you had qualifying purchases in the billing cycle prior to your card being blocked).

If your account is closed by us because it is not in Good Standing, or for any other reason, you will forfeit any unredeemed Cash Back Rewards.

If your Card Account is closed by you for any reason, you will forfeit any unredeemed Cash Back Rewards.

Merchant Specific Offers

Neu may, from time to time, offer merchant-specific Cash Back Rewards offers (“Offer”) with higher Cash Back Rewards percentage opportunities delivered through the Neu mobile app.

You may have the opportunity to earn higher percentages of Cash Back for Qualifying Transactions made at participating merchants, which are defined as transactions that satisfy all requirements specified in the merchant-specific Offer and this Agreement.

The amount of Cash Back Rewards earned on Qualifying Transactions as well as any additional terms and conditions of the Offer will be presented in the merchant-specific cashback Offer terms shown in the Neu mobile app.

All Cash Back Rewards earned through merchant-specific Offers will be redeemed in the same manner as standard non-merchant specific Cash Back Rewards earned through everyday purchases as described herein.

Category Specific Offers

Neu may, from time to time, offer category-specific Cash Back Rewards offers (“Offer”) with higher Cash Back Rewards percentage opportunities delivered through the Neu mobile app.

You may have the opportunity to earn higher percentages of Cash Back for Qualifying Transactions made at specific categories of merchants (ex. grocery stores, coffee shops, restaurants, etc.), which are defined as transactions that satisfy all requirements specified in the category-specific Offer and this Agreement.

The amount of Cash Back Rewards earned on Qualifying Transactions as well as any additional terms and conditions of the Offer will be presented in the category-specific cashback Offer terms shown in the Neu mobile app.

All Cash Back Rewards earned through category-specific Offers will be redeemed in the same manner as standard non-category specific Cash Back Rewards earned through everyday purchases as described herein.

Qualifying Transactions

Transactions that Qualify for Cash Back Rewards Include:

Most online purchases, except for those outlined in the “do not” qualify section below

Most In-person purchases, except for those outlined in the “do not” qualify section below

Transactions that Do Not Qualify for Cash Back Rewards Include:

Refunds or Credits

ATM Transactions (not a feature of the Neu Credit Card)

International Transactions (currently not a feature of the Neu Credit Card)

Referral Rewards

Monthly minimum payments for your account

Purchase of travelers checks

Foreign currency

Money Orders

Wire transfers or similar cash-like transactions

Lottery tickets

Casino gaming chips

Race track wagers or similar betting transactions

Any checks that access your account

Unauthorized or fraudulent charges

Fees of any kind, including the monthly subscription fee

Program Details

1.25% cash back. You will earn 1.25% Cash Back rewards on all eligible purchases

At the end of each billing cycle, Cash Back Rewards are calculated by multiplying the total amount you spent (minus any returns and subscription or other fees) by 1.25%

Subject to the Cash Back Rewards Program terms, Cash Back Rewards are awarded in the form of a statement credit that is automatically applied to the outstanding balance on your Neu Credit Card account.

No Outstanding Balance on Account”: In the event that no outstanding balance exists on your account, any earned Cash Back rewards will be carried forward and applied to any balance incurred during the next billing cycle.

Cash Back Rewards are earned based on the net dollar amount of Qualifying Transactions made during the current billing cycle.

How Cashback works with Refunds and Negative Balances: When you use your Neu card, you’ll earn cashback as a reward for your purchases. This cashback is like a little bonus, and you don’t need to do anything to get it – it happens automatically. At the end of your billing cycle (the month or statement period), we’ll calculate how much cashback you’ve earned. If you’ve made any returns during that time, we’ll subtract the cashback related to those returned purchases as you’ll only earn cashback for the things you actually keep/use. But don’t worry, we won’t take away more cashback than you’ve earned. If the returned cashback is more than what you earned in that billing cycle, we’ll keep track of the excess for you. We’ll hang onto it and use it to offset any positive cashback you earn in the future. So, your cashback will never go into the negative – you won’t owe us anything. We’re just making sure you get what you deserve and saving any extra for you to enjoy later.

Limits

There is no limit to the amount of Cash Back Rewards you can earn with Neu.

Expiration

There is no expiration date for Cash Back Rewards earned.

Compliance with Program Terms

Cash Back rewards have no cash value. You may not assign, transfer, or pledge your cash rewards. You have no property rights or other legal interest in cash rewards.

Neu reserves the right to audit and correct any account holder’s Cash Back Rewards activity.

If your account is closed or not in good standing for any reason at any time, any unredeemed Cash Back Rewards awarded hereunder will be permanently forfeited.

If your account is closed by you for any reason, any unredeemed Cash Back Rewards will be permanently forfeited.

We reserve the right to remove any participant from the Cash Back Rewards Program, and close their Neu Credit Card account, in the event that we suspect fraud or abuse in connection with the terms listed in this agreement or Neu’s Cardholder Agreement.

Termination and Modification to Program

Neu, in its sole and absolute discretion, reserves the right to terminate, suspend, or modify the Cash Back Rewards Program Terms, eligibility requirements, amount of Cash Back awarded, conditions of participation, or any other aspect of the Cash Back Rewards Program, in whole or in part, at any time, with or without notice; however, any changes will not impact previously redeemed Cash Back Rewards.

Dispute Resolution

Our processing platform serves as the system of record for your Cash Back Rewards activity. This includes the amount of Cash Back Rewards that you have earned, the amount of Cash Back Rewards that have been automatically redeemed on your account, and the percentage of Cash Back Rewards you are eligible to earn on Qualifying Transactions.

In the event that there is a perceived discrepancy between your records and the processing platform, the information from the processing platform will be deemed correct.

Customer concerns regarding perceived Cash Back Reward inaccuracies must be raised using the following steps:

Send details about the perceived inaccuracy by email to support@neumoney.app

Neu, in its sole discretion, will review the details of the perceived inaccuracy within the system of record and determine whether or not a correction to the identified Cash Back Rewards activity is necessary.

Any Cash Back Rewards correction initiated by Neu will be made at Neu’s sole discretion and, if applicable, as a one-time courtesy.

Limitation on Liability and Disclaimer of Warranties

By participating in the Cash Back Rewards Program, you agree that Neu, it’s agents, representatives, affiliates, and employees will have no liability whatsoever for any injuries, losses, claims, damages or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, resulting from your participation in the Program or receipt or use of any Cash Back Rewards, any failure or unforeseen delay by Neu in connection with the Cash Back Rewards Program, or the performance or non-performance of the Cash Back Rewards Program by Neu, even if Neu has been advised of the possibility of damages. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, communications line failure, theft or destruction, unauthorized access to, alteration of, or use of any information provided by any person participating in the Cash Back Rewards Program.

Neu makes no warranty of any kind regarding the Cash Back Rewards Program or any Cash Back Reward, which are provided on an “as is” and “as available” basis. Neu expressly disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Neu is not responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Cash Back Rewards Program or any Cash Back Reward, including without limitation that the Cash Back Rewards Program will be error-free, or as to the accuracy, completeness and timeliness of any content or information distributed with respect to the Cash Back Rewards Program. Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you.

These Cash Back Rewards Program terms make up the entire agreement between you (“The Customer”) and Neu (“Us”) relating to the Cash Back Rewards Program and replace any prior understandings or agreements (whether oral or written) regarding the Cash Back Rewards Program. Any disputes arising from the Cash Back Rewards Program terms will be subject to the arbitration agreement and class action waiver contained in Neu’s Cardholder Agreement.

For questions regarding the Cash Back Rewards Program Terms, please contact Neu Support at support@neumoney.app

This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.
Effective September 18, 2025

Overview

Neu customers (“You”) who are subscribed to the ”Neu Card 1” or “Neu Card 2” plan are automatically enrolled in Neu’s (“Us”) Cash Back Rewards Program where every purchase on air travel earns 3.00% in cash back. The Cash Back is automatically redeemed towards your outstanding balance on your Neu Credit Card account. Neu may, from time to time, offer additional opportunities to earn higher percentages of cash back when customers make a qualifying purchase during a designated promotional period at participating merchants as described below.

Program Participation

The Cash Back Rewards Program is available to all Neu Customers who are currently subscribed to Neu Card 1 or Neu Card 2 plan with an account that is in “Good Standing” (“Good Standing” is defined below) and in compliance with the terms and arbitration agreement found in the Neu Money DBA “Neu” Card Cardholder Agreement as may be amended from time to time, and any other disclosures agreed to as part of opening your Neu credit card.

Definition of Account in “Good Standing”: Neu Money defines a credit card account in good standing for the purposes of this Cash Back Rewards Program, as including but not being limited to an account that has been approved for one or both subscription options with a valid external bank account linked and is active, not blocked, not past due, flagged, or restricted in any way.

If at any time your Neu Credit Card account is not in Good Standing, we may, in our sole discretion, temporarily block your account and suspend your ability to make transactions or close your account permanently.

If your account is not in Good Standing, and we temporarily block your account as a result, you will not earn Cash Back beyond the first statement that is generated after your card is blocked (provided that you had qualifying purchases in the billing cycle prior to your card being blocked).

If your account is closed by us because it is not in Good Standing, or for any other reason, you will forfeit any unredeemed Cash Back Rewards.

If your Card Account is closed by you for any reason, you will forfeit any unredeemed Cash Back Rewards.

Merchant Specific Offers

‍Neu may, from time to time, offer merchant-specific Cash Back Rewards offers (“Offer”) with higher Cash Back Rewards percentage opportunities delivered through the Neu mobile app.

You may have the opportunity to earn higher percentages of Cash Back for Qualifying Transactions made at participating merchants, which are defined as transactions that satisfy all requirements specified in the merchant-specific Offer and this Agreement.

The amount of Cash Back Rewards earned on Qualifying Transactions as well as any additional terms and conditions of the Offer will be presented in the merchant-specific cashback Offer terms shown in the Neu mobile app.

All Cash Back Rewards earned through merchant-specific Offers will be redeemed in the same manner as standard non-merchant specific Cash Back Rewards earned through everyday purchases as described herein.

Category Specific Offers

‍Neu may, from time to time, offer category-specific Cash Back Rewards offers (“Offer”) with higher Cash Back Rewards percentage opportunities delivered through the Neu mobile app.

You may have the opportunity to earn higher percentages of Cash Back for Qualifying Transactions made at specific categories of merchants (ex. grocery stores, coffee shops, restaurants, etc.), which are defined as transactions that satisfy all requirements specified in the category-specific Offer and this Agreement.

The amount of Cash Back Rewards earned on Qualifying Transactions as well as any additional terms and conditions of the Offer will be presented in the category-specific cashback Offer terms shown in the Neu mobile app.

All Cash Back Rewards earned through category-specific Offers will be redeemed in the same manner as standard non-category specific Cash Back Rewards earned through everyday purchases as described herein.

Qualifying Transactions

Transactions that Qualify for Cash Back Rewards Include:

Most online purchases on air travel, except for those outlined in the “do not” qualify section below

Most In-person purchases on air travel, except for those outlined in the “do not” qualify section below

Transactions that Do Not Qualify for Cash Back Rewards Include:

Refunds or Credits

ATM Transactions (not a feature of the Neu Credit Card)

Referral Rewards

Monthly minimum payments for your account

Purchase of travelers checks

Foreign currency

Money Orders

Wire transfers or similar cash-like transactions

Lottery tickets

Casino gaming chips

Race track wagers or similar betting transactions

Any checks that access your account

Unauthorized or fraudulent charges

Fees of any kind, including the monthly subscription fee

Program Details

3.00% cash back on air travel. You will earn 3.00% Cash Back rewards on all eligible air travel purchases.

At the end of each billing cycle, Cash Back Rewards are calculated by multiplying the total amount you spent on air travel (minus any returns and subscription or other fees) by 3.00%

Subject to the Cash Back Rewards Program terms, Cash Back Rewards are awarded in the form of a statement credit that is automatically applied to the outstanding balance on your Neu Credit Card account.

No Outstanding Balance on Account: In the event that no outstanding balance exists on your account, any earned Cash Back rewards will be carried forward and applied to any balance incurred during the next billing cycle.

Cash Back Rewards are earned based on the net dollar amount of Qualifying Transactions made during the current billing cycle.

How Cashback works with Refunds and Negative Balances: When you use your Neu card air travel, you’ll earn cashback as a reward for your purchases. This cashback is like a little bonus, and you don’t need to do anything to get it – it happens automatically. At the end of your billing cycle (the month or statement period), we’ll calculate how much cashback you’ve earned. If you’ve made any returns during that time, we’ll subtract the cashback related to those returned purchases as you’ll only earn cashback for the things you actually keep/use. But don’t worry, we won’t take away more cashback than you’ve earned. If the returned cashback is more than what you earned in that billing cycle, we’ll keep track of the excess for you. We’ll hang onto it and use it to offset any positive cashback you earn in the future. So, your cashback will never go into the negative – you won’t owe us anything. We’re just making sure you get what you deserve and saving any extra for you to enjoy later.

Limits

You will earn cashback on all eligible purchases.

Expiration

There is no expiration date for Cash Back Rewards earned.

Compliance with Program Terms

Cash Back rewards have no cash value. You may not assign, transfer, or pledge your cash rewards. You have no property rights or other legal interest in cash rewards.

Neu reserves the right to audit and correct any account holder’s Cash Back Rewards activity.

If your account is closed or not in good standing for any reason at any time, any unredeemed Cash Back Rewards awarded hereunder will be permanently forfeited.

If your account is closed by you for any reason, any unredeemed Cash Back Rewards will be permanently forfeited.

We reserve the right to remove any participant from the Cash Back Rewards Program, and close their Neu Credit Card account, in the event that we suspect fraud or abuse in connection with the terms listed in this agreement or Neu’s Cardholder Agreement.

Termination and Modification to Program

Neu, in its sole and absolute discretion, reserves the right to terminate, suspend, or modify the Cash Back Rewards Program Terms, eligibility requirements, amount of Cash Back awarded, conditions of participation, or any other aspect of the Cash Back Rewards Program, in whole or in part, at any time, with or without notice; however, any changes will not impact previously redeemed Cash Back Rewards.

Dispute Resolution

Our processing platform serves as the system of record for your Cash Back Rewards activity. This includes the amount of Cash Back Rewards that you have earned, the amount of Cash Back Rewards that have been automatically redeemed on your account, and the percentage of Cash Back Rewards you are eligible to earn on Qualifying Transactions.

In the event that there is a perceived discrepancy between your records and the processing platform, the information from the processing platform will be deemed correct.

Customer concerns regarding perceived Cash Back Reward inaccuracies must be raised using the following steps:

Send details about the perceived inaccuracy by email to support@neumoney.app.

Neu, in its sole discretion, will review the details of the perceived inaccuracy within the system of record and determine whether or not a correction to the identified Cash Back Rewards activity is necessary.

Any Cash Back Rewards correction initiated by Neu will be made at Neu’s sole discretion and, if applicable, as a one-time courtesy.

Limitation on Liability and Disclaimer of Warranties

By participating in the Cash Back Rewards Program, you agree that Neu, it’s agents, representatives, affiliates, and employees will have no liability whatsoever for any injuries, losses, claims, damages or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, resulting from your participation in the Program or receipt or use of any Cash Back Rewards, any failure or unforeseen delay by Neu in connection with the Cash Back Rewards Program, or the performance or non-performance of the Cash Back Rewards Program by Neu, even if Neu has been advised of the possibility of damages. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, communications line failure, theft or destruction, unauthorized access to, alteration of, or use of any information provided by any person participating in the Cash Back Rewards Program.

Neu makes no warranty of any kind regarding the Cash Back Rewards Program or any Cash Back Reward, which are provided on an “as is” and “as available” basis. Neu expressly disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Neu is not responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Cash Back Rewards Program or any Cash Back Reward, including without limitation that the Cash Back Rewards Program will be error-free, or as to the accuracy, completeness and timeliness of any content or information distributed with respect to the Cash Back Rewards Program. Some states do not allow the limitation of liability and disclaimer of implied warranties, so the disclaimers and limitations above may not apply to you.

These Cash Back Rewards Program terms make up the entire agreement between you (“The Customer”) and Neu (“Us”) relating to the Cash Back Rewards Program and replace any prior understandings or agreements (whether oral or written) regarding the Cash Back Rewards Program. Any disputes arising from the Cash Back Rewards Program terms will be subject to the arbitration agreement and class action waiver contained in Neu’s Cardholder Agreement.

For questions regarding the Cash Back Rewards Program Terms, please contact Neu Support at support@neumoney.app

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

Privacy & Terms of Use

Neu cares about your privacy and transparency. Learn more about how we handle your data and our Terms of Use for the Neu app and website by reading the documents below.

Privacy Notice

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.

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.	Does Neu Money, Inc. share?	Can you limit this sharing?
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

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.

Other important information

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

Terms of Use
Terms of Use
Applicability

This Terms of Use Agreement (“Agreement”) is a binding legal agreement between you or any other legal entity you represent (“Customer”, “you”) and Neu Money, Inc. doing business as “Neu” a Delaware corporation (“Neu”, “we”, or “us”). This Agreement includes all other operating rules, policies, and procedures, including our Privacy Policy, linked Privacy and our Acceptable Use Policy, linked Terms & Conditions, that may be published from time to time on the Neu website by us, each of which is incorporated by reference and each of which may be updated from time to time with or without notice to you. This Agreement applies to your use of Neu Services as specified below.

Neu Services include without limitation, content, tools, applications, internal and external links, or any other service or information that we may offer on or through our website, https://www.neumoney.app (the “Site”).

Certain of the Neu Services may be subject to additional terms and conditions specified by us from time to time; your use of such Neu Services is subject to those additional terms and conditions, which are incorporated into these Terms of Use by this reference.

Acceptance of Terms of Use

YOUR RIGHT TO USE THE NEU SERVICES IS EXPRESSLY CONDITIONED ON ACCEPTANCE OF THESE TERMS. BY USING THE NEU SERVICES, YOU ARE AGREEING TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE WITH ANY PROVISION OF THE TERMS, YOU MUST NOT ACCESS OR USE THE NEU SERVICES IN ANY MANNER FOR ANY PURPOSE.

Arbitration Notice And Class Action Waiver

YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Eligibility

To be eligible to use the Neu Services, you must be at least 18 years of age and a resident of the United States. If you do not meet these eligibility requirements, you may not, under any circumstances or for any reason, use the Neu Services. We may, in our sole discretion, refuse to offer the Neu Services to any person or entity and change its eligibility criteria at any time. You are solely responsible for ensuring that these Terms of Use are in compliance with all laws, rules and regulations applicable to you and the right to access these Neu Services is revoked where these Terms of Use or use of the Neu Services is prohibited or to the extent offering, sale or provision of the Neu Services conflicts with any applicable law, rule or regulation. Further, the Neu Services are offered only for your use, and not for the use or benefit of any third party.

Registration

By submitting an application for a credit card, you are registering for an account for access to more Neu Services (an “Account”). You must register in order to complete the application. You must provide legally accurate and complete information and, should any registration information change, you must immediately update your Account information. We reserve the right to deny registration should we determine, in our sole discretion, that the information provided does not meet this or any other applicable requirements.

You are solely responsible for the activity that occurs on your Account, and for keeping your login credentials including any Account password secure. You must notify us immediately of breach of security or unauthorized use of your Account. You may close and delete your Account by following the procedures published on the Site.

Bank Account Information and Authorized Actions

For registered users, your Account information may include access credentials (for example, username and password) that allow you to gain online access to one or more accounts that you maintain with a third-party financial institution and that you choose to designate for use in connection with the Neu Services (each, an “Authorized Bank Account”). We work with one or more Third Party Services (as defined below) that will securely store pursuant to industry standards any Authorized Bank Account access credentials that you provide on the Neu Services and will access your Authorized Bank Accounts for the purposes of providing and improving the services we offer on the Neu Services. You may only provide account access credentials for and authorize us to access valid accounts that you hold in your own name. You may not provide access credentials for an account that is held by a third person. You must update your Account information to reflect any change to the username or password that is associated with any Authorized Bank Account.

If you choose to link your Authorized Bank Account, you authorize the use of this information to provide you with Neu Services. This authorization will remain in effect until you notify us that you wish to revoke this authorization, which may affect your ability to receive the Neu Services. The Third-Party Services provider that we currently work with is Finicity Inc. (“Finicity”) and we reserve the right to add or remove Third-Party Service providers from time to time at our sole discretion. By using the Neu Services, you grant us, Neu Money, Inc., and our Third-Party Service providers the right, power, and authority to act on your behalf and at your direction to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Finicity.

Use License

Subject to these Terms of Use, we grant each specific customer a worldwide, non-exclusive, non-sub licensable and non-transferable license to use information, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible on or through the Neu Services solely for that specific customer to use the Neu Services. Use, reproduction, modification, distribution or storage of any aspect of the Neu Services for other than purposes of the authorized customer using the Neu Services is expressly prohibited.

We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms of Use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of us, our users and the public.

Consent to Electronic Communications

You agree that submitting your application for Neu Services and indicating your agreement to the terms of this Agreement electronically during the application process constitutes your acceptance of this Agreement. You also agree that your electronic consent has and will have the same legal effect as a physical signature. By agreeing to the terms of the Agreement, you consent to us providing Notices and account statements to you electronically.

Third-Party Services

The Neu Services may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Neu Services. When you access third party resources on the Internet, you do so at your own risk. These other resources are not under our control, and you acknowledge that we are not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply our endorsement or any association between us and their operators. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such website or resource.

Apple, Inc. Device and Application Terms

If you are accessing the Neu Services via a mobile application (“Application”) developed by Neu Money, Inc., on a device provided by Apple, Inc. (“Apple”), or otherwise obtained access to the Neu Services through the Apple App Store, the following terms shall apply:

Both you and Neu Money, Inc. acknowledge that these Terms of Use are concluded between you and us only, and not with Apple, and that Apple is not responsible for, does not endorse, and is not involved in the application or the Neu Services;

The Application is licensed to you on a limited, non-exclusive, non-transferrable, non-sublicensable basis, solely to be used in connection with the Neu Services for your private, personal, non-commercial use, subject to all the terms and conditions of these Terms of Use as applicable;

You will only use the Application in connection with an Apple device that you own or control;

You acknowledge and agree that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Application;

In the event of any failure of the Application to conform to any applicable warranty, including those implied by law, you may notify Apple of such failure; upon notification, Apple’s sole warranty obligation to you will be to refund to you the purchase price, if any, of the Application;

You acknowledge and agree that Neu Money, Inc., and not Apple, is responsible for addressing any claims you or any third party may have in relation to the Application;

You acknowledge and agree that, in the event of any third party claim that the Application or your possession and use of the Application infringes that third party’s intellectual property rights, Neu Money, Inc., and not Apple, will be responsible for the investigation, defense, settlement and discharge of any such infringement claim;

You represent and warrant that you are not located in a country subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties;

Both you and Neu Money, Inc., acknowledge and agree that, in your use of the Application, you will comply with any applicable third party terms of agreement which may affect or be affected by such use; and

Both you and Neu Money, Inc., acknowledge and agree that Apple and Apple’s subsidiaries are third party beneficiaries of these Terms of Use, and that upon your acceptance of these Terms of Use, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms of Use against you as the third party beneficiary hereof.

In-App Purchases

Through the Neu Services, you may purchase (“In App Purchase”) certain goods designed to enhance the performance of the Neu Services (“Goods”). When you purchase Goods, you are doing so through Apple iTunes service and you are agreeing to Apple’s iTunes’ Terms and Conditions (http://www.apple.com/legal/itunes/us/terms.html). We are not a party to any In App Purchase.

Termination

We may terminate your access to all or any part of the Neu Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your Account. If you wish to terminate your Account, you may do so by following the instructions on the Site or through the Neu Services. Any fees paid hereunder are non-refundable. All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation: ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Warranty Disclaimer

THE NEU SERVICES AND CONTENT ARE PROVIDED “AS IS”, “AS AVAILABLE” AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. WE, AND OUR DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, PARTNERS AND CONTENT PROVIDERS DO NOT WARRANT THAT: (I) THE NEU SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (II) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (III) ANY CONTENT OR SOFTWARE AVAILABLE AT OR THROUGH THE NEU SERVICES IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (IV) THE RESULTS OF USING THE NEU SERVICES WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE NEU SERVICES IS SOLELY AT YOUR OWN RISK.

Indemnification

You shall defend, indemnify, and hold harmless us, our affiliates and each of our and their respective employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Neu Services or Content, violation of these Terms of Use, or infringement by you, or any third party using your Account or identity in the Neu Services, of any intellectual property or other right of any person or entity. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.

Limitation of Liability

IN NO EVENT SHALL WE, NOR OUR DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE NEU SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, COMPENSATORY OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, SUBSTITUTE GOODS OR SERVICES (HOWEVER ARISING), (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), OR (III) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) OF THE LESSER OF (A) FEES PAID TO US FOR THE PARTICULAR NEU SERVICES DURING THE IMMEDIATELY PREVIOUS THREE (3) MONTH PERIOD OR (B) $500.00.

ARBITRATION CLAUSE AND CLASS ACTION WAIVER – IMPORTANT – PLEASE REVIEW AS THIS AFFECTS YOUR LEGAL RIGHTS:

ARBITRATION; CLASS ACTION WAIVER. YOU AGREE THAT ALL DISPUTES BETWEEN YOU AND US OR OUR OFFICERS, DIRECTORS OR EMPLOYEES IN THEIR CAPACITY AS SUCH (WHETHER OR NOT SUCH DISPUTE INVOLVES A THIRD PARTY) WITH REGARD TO YOUR RELATIONSHIP WITH US, INCLUDING WITHOUT LIMITATION DISPUTES RELATED TO THESE TERMS OF USE, YOUR USE OF THE NEU SERVICES, AND/OR RIGHTS OF PRIVACY AND/OR PUBLICITY, WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION IN ACCORDANCE WITH THE STREAMLINED ARBITRATION RULES AND PROCEDURES OF JAMS, INC. THEN IN EFFECT, AND YOU AND WE HEREBY EXPRESSLY WAIVE TRIAL BY JURY; PROVIDED, HOWEVER, THAT (I) ANY DISPUTE RELATED TO YOUR USE OF A NEU MONEY, INC., “NEU” CREDIT CARD IS GOVERNED BY THE TERMS OF THE CARDHOLDER AGREEMENT, AND (II) TO THE EXTENT THAT YOU HAVE IN ANY MANNER VIOLATED OR THREATENED TO VIOLATE OUR INTELLECTUAL PROPERTY RIGHTS, WE MAY SEEK INJUNCTIVE OR OTHER APPROPRIATE RELIEF IN ANY STATE OR FEDERAL COURT IN THE STATE OF DELAWARE. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. AS AN ALTERNATIVE, YOU MAY BRING YOUR CLAIM IN YOUR LOCAL “SMALL CLAIMS” COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT’S RULES AND IF WITHIN SUCH COURT’S JURISDICTION, UNLESS SUCH ACTION IS TRANSFERRED, REMOVED OR APPEALED TO A DIFFERENT COURT. YOU MAY BRING CLAIMS ONLY ON YOUR OWN BEHALF. NEITHER YOU NOR WE WILL PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION FOR ANY CLAIMS COVERED BY THIS AGREEMENT TO ARBITRATE. YOU ARE GIVING UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. You also agree not to participate in claims brought in a private attorney general or representative capacity, or consolidated claims involving another person’s account, if we are a party to the proceeding. This dispute resolution provision will be governed by the Federal Arbitration Act and not by any state law concerning arbitration. In the event JAMS, Inc. is unwilling or unable to set a hearing date within one hundred and sixty (160) days of filing the case, then either we or you can elect to have the arbitration administered instead by the American Arbitration Association. Judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction. The arbitration shall be conducted in the English language. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award damages, remedies or awards that conflict with these Terms of Use. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Neu Services or these Terms of Use must be filed within one (1) year after such claim of action arose or be forever banned.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflicts of law rules, and the United States of America.

Modification

We reserve the right, in our sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the Neu Services (including without limitation, the availability of any feature, database, or content) at any time with or without notice to you. If we do provide notice, we will do so by posting a notice on the Site or by sending you notice through the Neu Services, via e-mail or by another appropriate means of electronic communication. We may also impose limits on certain features and services or restrict your access to parts or all of the Neu Services without notice or liability. While we may timely provide notice of modifications, it is also your responsibility to check these Terms of Use periodically for changes. Your continued use of the Neu Services following notification of any changes to these Terms of Use constitutes acceptance of those changes.

General Release Waiver. To the extent permitted by law, you shall and hereby do waive California Civil Code Section 1542 or any other similar law of any jurisdiction, which says in substance: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.”

General Release Waiver. To the extent permitted by law, you shall and hereby do waive California Civil Code Section 1542 or any other similar law of any jurisdiction, which says in substance: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which, if known by him or her must have materially affected his or her settlement with the debtor.”

Force Majeure. We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation.

Assignment. These Terms of Use are personal to you, and are not assignable, transferable or sublicensable by you except with our prior written consent. We may assign, transfer or delegate any of our rights and obligations hereunder without consent.

Agency. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use and neither party has any authority of any kind to bind the other in any respect.

No Waiver. Our failure to enforce any part of these Terms of Use shall not constitute a waiver of our right to later enforce that or any other part of these Terms of Use. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future.

These Terms of Use are effective August 22, 2022

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

If you are on the plan "Neu Grow" OR "Neu Grow and Expand", please refer to this and .

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

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