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2903 Grindon Avenue Baltimore, MD 21214 | Office: 410-377-0500

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Sutton Bank Cardholder Agreement

This section survives the termination of your Square Seller Card account or this Agreement, as well as any voluntary payment of debts by you or by a bankruptcy by you or us. With the exception of sub-parties (a) and (b) of this section (prohibition of class or collective arbitration proceedings), where a part of this arbitration provision is considered invalid, unenforceable or illegal or in conflict with the rules and procedures, the balance of that arbitration decision remains in force and is interpreted on its terms as if the invalid, unenforceable, illegal or contradictory party was not included here. However, if it turns out that the part (a) or (b) of this section is invalid, unenforceable or illegal, the entire arbitration decision is null and void and neither you nor we are entitled to arbitration. If, for any reason, an application goes to a court of arbitration and not to arbitration, the dispute is brought exclusively to the federal court if it has jurisdiction, or, if not, to a state court in the Federal Court District of your residence. For more information on AAA, rules and procedures or the process for filing an arbitration application, you can call the AAA at 1-800-778-7879 or visit the AAA website at 52. DISPUTE RESOLUTION THROUGH MANDATORY ARBITRATION; The waiver of the presidential trial; Renouncement of group action. For any controversy, litigation, claim, claim or means between you and us and us (including the interpretation and scope of this section and the ability to arbitrate controversy, litigation, claim, claim or recourse) regarding cards, square sellers cards or this agreement (as well as any related or previous agreement you may have had with us), you and we agree to resolve these disputes, disputes, claims or exclusively binding grounds through arbitration proceedings. Conciliation takes place in the Federal Court district of your residence. As used in this section, “we” and “we” are the bank and its subsidiaries, associated companies, predecessors, successors and beneficiaries of the assignment, as well as all their respective employees and employees, senior managers, directors, representatives and representatives. In addition, “we” and “us” square and any third party who provide products, services or benefits in relation to cards, square seller card accounts or this Agreement (as well as any related or previous agreements you have entered into with us) if that third party is designated as a co-party with us in the controversies, disputes, claims, claims or legal actions that are the subject of this section.

The Square Card is a prepaid business card that can be used to make purchases from any retailer that accepts MasterCard debit cards. You can view the available square balance as soon as you activate the service. Please note that when the service is activated, you order Square to make available the Square credit available for purchases with your Square Card. You also tell Square to initiate the necessary transfers to make this Square credit available for purchases with your Square Card. These funds are held in bank accounts on your behalf and for the benefit of you and others who hold such balances. You can transfer your balance to your external bank account for free, subject to normal processing times, and withdraw physical money from that account, as your bank allows. We may limit the number or extent of transfers from your Square credit to your bank account for a variety of reasons such as risk, identity verification, investigations or returns. If your account is reviewed, we can keep your money for up to 180 days. You are responsible for the amount you owe, even if your account is closed. 51. LIMITATION OF LIABILITY.

Unless expressly foreseen in this agreement or to the extent that it is prescribed by other provisions of the existing legislation, we, our related companies and the parties with whom we contract to offer cards, square card accounts and related services, are neither responsible nor respo

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