Save with a 0% Intro APR!*

Just call us toll-free at 1-800-555-1212

STATUS:

Pre-Approved *

RATE:

0%Intro APR ^

COST:

No Annual Fee

AWARD:

Up to a 10% Cashback Bonus

CREDIT LINE:

Up to $50,000

Dear John Smith:

On your journey to financial success, there are markers that clearly show your progress. I'm pleased

to announce that you have reached one of these milestones.

You're Pre-Approved

for the no-annual

-fee

EXPLORE Platinum Gas Card

and these superior benefits:

Unbeatable 0% Intro APR ^ on balance transfers until November 2019!

You could save hundreds when you transfer your higher-rate balances to our unbeatable 0% APR

And when you use the coupon below, there are no transaction fees!

Up to 10% Cashback Bonus on gas purchases.

With the Explore Platinum Gas Card, you'll receive a Cashback Bonus award of up to 5% on your gas

purchase. And you can get up to double your entire award value - up to a 10% Cashback Bonus

award - with certificates from our Cashback Bonus Partners.

And-earn up to 2% Cashback Bonus on your other purchases

You get a Cashback Bonus award of up to 1% on your non-gas purchases, plus the opportunity to get

up to double its value with certificates from our Cashback Bonus partners such as Home Depot, Gap,

RedBox, and USA Today.

Online account access and Cardmember Privileges

Pay your bill, view your statements and save with special online shopping offers through the

ShopCenter.

FREE additional cards

Give the people closest to you access to your credit line without giving up your Card and build a

bigger Cashback Bonus Award too!

Earn rewards faster and easier with the

EXPLORE Platinum Gas Card

. Return the form or call us at

1-800-555-1212.

Sincerely,

David Nelson

Chairman and CEO

EXPLORE Financial Services, Inc.

*Subject to review of your financial information.

^See information below following information for rates, fees, rewards, and other important information.

ACCEPT YOUR EXPLORE PLATINUM GAS CARD IN 3 EASY STEPS

1. PERSONAL INFORMATION

Name: ______________________________________________________________

Address: ____________________________________________________________

Home phone: ____________

SSN# ___-__-____

DOB*: ______________

Mother's maiden name: __________________________

Employer: _____________________________________

Work phone: ____________

Length of time at present address: __________________ (months/years)

Monthly housing payment: _______________

Total Household income:

_______________

2. CHOOSE your CARD

Yes, please send me the new EXPLORE Platinum Gas Card

3. Sign Application

X______________________________________________

DATE: ___________________

4. Mail this entire application to:

Explore Financial Services, Inc.

P.O. BOX 111, Atlanta, GA. 12345. ES,

THIS SECTION TO TRANSFER BALANCES

From your Visa, MasterCard, American Express, or store card accounts.

1.Account number: _______________________________________

Credit Card Issuer: __________________________________

Transfer Amount: ___________________________________

2.Account number: _______________________________________

Credit Card Issuer: __________________________________

Transfer Amount: ___________________________________

3.Account number: _______________________________________

Credit Card Issuer: __________________________________

Transfer Amount: ___________________________________

Please provide a street address, not a P.O. BOX.

*You must be at least 18 years old

Except for full time students, you must have a minimum annual household income of $15,000.00 to

be considered for any EXPLORE Card.

IMPORTANT INFORMATION

Annual Percentage Rate

(APR For Purchases)

The Standard APR, an estimated value between 5.0% and

19.98% (see Variable Rate Information), currently at 12.65%

Other APRs

Balance Transfers

: 0% until the last day of the billing period

ending during November 2019; then the standard APR for

purchases

Default Rate

: 19.98% or 24.99%

Cash Advances

: 20.99% or 22.99%

Variable Rate

Information

Your standard APR for purchases may vary and is determined

monthly by adding an amount between 5.74% and 9.74% to the

Prime Rate.

Grace Period for Repayment

of the Balance of Purchases

At least 25 days when you pay your balance in full each month

Method of Computing the

Balance for Purchases

Two-cycle Average Daily Balance ( including new purchases)

Annual Fee

None

Minimum Finance Charge

$ 0.50

1.CASH ADVANCE TRANSACTION FEE:

3% for each cash advance, with a minimum of $5 and no

maximum.

2.LATE FEE:

$15 on balances up to $100; $25 on balances of $100 up to $1,000. $35 on balances of

$1,000 or greater.

3.OVERLIMIT FEE:

$15 on balances of $1,000 or less; $35 on balances greater than $1,000.

4.DEFAULT RATE:

If you are late making a payment, any introductory/special rates terminate and

the standard purchase APR will apply to purchases and balance transfers. If you fail twice to make a

required payment when due or if you exceed your account credit limit twice, your purchase APR will

be increased to 19.99%. If you fail three times to make a required payment when due or if you exceed

your account credit limit 3 times, your purchase APR and cash advance APR will be increased to

24.99%. See Cardmember Agreement for details. The Prime Rate used is the highest prime rate

listed in

The Wall Street Journal

on the last business day of the month. Actual amount added will be

based on our evaluation or your credit and will be disclosed with your card when you receive it.

5.INTRODUCTORY/SPECIAL APRs:

You must return the Acceptance Form and be approved for an

account by January, 2019. If you request a balance transfer after this date, or we do not receive all

required information for the balance transfers requested, we will not make the balance transfers.

Please allow up to 4 weeks before payments to your other accounts are made. Accordingly, you

should continue to make all required payments until you confirm that the balance transfers were

made. Balance transfers may not be used to pay any other Explore Credit Card accounts. Balance

transfers do not earn a Cashback Bonus award. Balance transfer requests will be processed from the

lowest to the highest dollar amount. If a balance transfer transaction would cause you to exceed your

account credit limit, you authorize us to process your balance transfers for an amount less than the

full amount requested. Making additional transactions may still cause you to exceed your account

credit limit. You may only make balance transfers to accounts that list you as an account holder.

There is no grace period on balance transfers. Any introductory/special rates will terminate if you are

late making a payment or your account is over limit as disclosed in the Default Rate section above

and in the Cardmember Agreement.

6.PAYMENT ALLOCATION:

We apply payments and credits to balances with low

introductory/special APRS (such as special balance transfers and purchase APRs) prior to balances

with standard APRs. Therefore, your savings will be reduced by making additional transactions or

having balances that are subject to standard APRs. In addition, the length of time the

introductory/social APRs will apply to your account may be reduced by the amount of your payments.

7.APPLICATION INFORMATION:

Federal law requires that we obtain certain information about you

such as your date of birth and street address in order to verify your identity. This offer is non-

transferable. Changes to and Cardmember name or account number information will void this offer.

Offer available to U.S. citizens and permanent address residents only. Information contained in your

consumer report was used in connection with this offer. You received this offer because you initially

satisfied

Explore Financial Services Inc.

's criteria.

You agree that if your application for an

Explore Card with a minimum credit limit of $5,000 and the lower APR(s) shown above is not

approved, your application will constitute your request for an Explore Card with the higher

APR(s) shown above and a lower credit limit.

Even if you accept this offer, we may not extend

credit to you if, after you respond to this offer, we determine that you do not continue to meet the

criteria we used to select you or you do not meet any applicable criteria bearing on your

creditworthiness established prior to your selection, or if you omit any information requested. Even if

we do extend credit to you, the credit line and terms of the account will be based on a review of the

information you provide in this application, your current consumer report and any other information

bearing on your creditworthiness.

You authorize us to obtain a consumer report from consumer reporting agencies in considering this

application. Upon your request, we will inform you of the name and address of each consumer

reporting agency from which we obtained a consumer report relating to you. You have the right to

prohibit information contained in your file with any consumer reporting agency from being used in

connection with a credit transaction that you did not initiate. You may exercise that right by contacting

TransUnion Name Removal Opt-Out Request, Equifax Option, and Experian Information Solutions,

Inc. To apply for a joint account, contact us in writing at P.O. BOX 111, Atlanta, GA. 12345. Every

applicant, including a spouse, may apply for a separate account. THIS OFFER SUPERSEDES ALL

PRIOR OFFERS.

Please allow 30 days for us to process your application.

8.CARDMEMBER AGREEMENT:

You agree to be bound by the terms of the Cardmember

Agreement, which will be sent with the card. You also agree that the Cardmember Agreement and the

account are governed by Delaware and Federal law. The Cardmember Agreement, which includes

the rates and fees, is subject to change.

9.ARBITRATION:

The Cardmember Agreement provides that we may choose to resolve a claim

relating to your account by binding arbitration, in which case you will not have the right to have that

claim resolved by a judge or jury in court. You may reject the arbitration provision with respect to your

new account within 30 days after receiving your Card. For restriction and details, write us at P.O.

BOX 51512, Atlanta, GA 12345.

10.REWARDS:

Up to 10% Cashback bonus award when you exchange your cash award for up to

double the amount in certificates for products and services from our Cashback Bonus Partners, which

are subject to change without notice. To obtain a list of our Cashback Bonus Partners, please contact

us at P.O. BOX 111, Atlanta, GA. 12345. Cash award is up to 5% of each gas purchase ( subject to a

limit of $25,000 in annual gas purchases), plus up to 1% of each purchase on other purchases, based

on your annual level and type of purchase with purchases at the lowest levels accruing awards at 5%

or 1% as applicable under this Cashback Bonus Program. Gas purchase awards are accrued when

you pay at the pump or in the station at merchant locations whose primary business is the sale of

gasoline. If the sale of gasoline is not the merchant's primary business or transactions are not sent to

Explore Card under the merchant categories 5541 o4 5542, they will be considered other purchases

as described above. For purchases made at select warehouse clubs and discount stores including

grocery stores affiliated with these stores you will accrue a cash award at a rate of 0.25%. Award is

redeemable in $20 increments. Restrictions apply. You will receive complete Cashback Bonus Plus

Terms and Conditions with your Card.

11.DISPUTE OF CHARGES:

You must have a Credit Card Cardholder State of Dispute,

provided below, in order to contest any charges made to your account.

Credit Card Cardholder Statement of Dispute

Page 1 of 2

Please provide supporting documentation with this form to assist us in our investigation and to

substantiate your claim. Please read each category in its entirety and ensure you have provided all

requested information. We may need additional information from you at various stages of your claims

process. Please ensure your contact information is current. Please mail your completed form to

Explore Financial Services, Inc., P.O. BOX 111, Atlanta, GA. 12345

A. Please complete each item in this section.

Cardholder Name ____________________________________________________________

Credit Card No. _____________________________________________________________

Best Contact No. and Email Address

Phone Number: _______________________________________________________

Email:_______________________________________________________________

We are unable to place a "STOP PAYMENT" on a charge. In lieu of this, Explore and federal regulations extend billing

rights to cardholders for billing errors or questionable transactions. To preserve these billing rights, you must notify

Explore within sixty (60) days of the closing of the statement on which the error or problem first appeared.

If you have a problem with the quality of the property or service purchased with your credit card, you must make a good

faith attempt to resolve the dispute with the merchant. If you have not reached a resolution with the merchant, we strongly

recommend you provide us specific documentation from an expert or professional that supports your dispute regarding

the level of quality or misrepresentation described on the original receipt, invoice, work order, brochure, contract, and/or

appraisal. Such documentation will be used in our pursuit of a credit for any portion of the amount(s) in question.

Please note: Provisional credits are not issued at the time a dispute claim is initiated.

Explore will exert every effort through the dispute resolution process to assist you with your dispute claim; however, we

cannot guarantee a favorable outcome

.

I have verified the charge(s) to my account, and I dispute the following items:

Merchant Name: _______________________________________________________________

Reference No. Posting Date (MM/DD/YY)___________________

Transaction Date (MM/DD/YY) ___________________________

Dollar Amount $ _______________________________________

Cardholder Signature: ___________________________________

Date (MM/DD/YY) ______________________________________

B. Please check and complete the category that best describes your dispute. (*Required information)

Cancellation

(Please ensure that 15 days have passed from the date of cancellation.)

Date of cancellation* ____________________________________

Cancellation number ___________________________________

Method of cancellation _________________________________

Spoke with ________________________________________________________

Reason for cancellation _____________________________________________

Please provide the merchant's cancellation/refund policy.

____________________________________________________________________

____________________________________________________________________

Page 2 of 2

Returned merchandise

(Please ensure that 15 days have passed from the date of return.)

RMA or Return Authorization Number (If applicable)

____________________________________________________________________

Date of return* _________________________________________

Date received by the merchant __________________________

Method of return:

USPS

UPS

FEDEX

Other __________________________

Tracking number* __________________________________________________

Describe your attempt to resolve with the merchant* __________________

___________________________________________________________________

Date of contact* _______________________________________

Merchant's response* ______________________________________________

____________________________________________________________________

If you have a credit slip/voucher or refund acknowledgment that has

not posted, please provide date of the credit. (A copy must accompany

this form.)

____________________________________________________________________

____________________________________________________________________

I am not disputing this charge.

I would like a copy of the sales receipt only. (If the charge is older than 90

days, a copy can only be requested for legal or tax purposes.)

Duplicate charge

Date of first charge ______________________________

Date of second charge _________________________

Describe your attempt to resolve with the merchant*

_________________________________________

___________________

-

__________________________________________________________________

Date of contact* ______________________________

Incorrect transaction amount

(A copy of the sales receipt must accompany this form.)

Describe your attempt to resolve with the merchant*

______________________________________________________________________

The transaction posted for $ _________________ but should have posted for $

____________________.

Purchase paid by another method

(A copy of the cleared check, credit card statement, or cash receipt must accompany this form.)

Cash

Other credit/debit card

Check

Other method _______________________________

Describe your attempt to resolve with the merchant*

______________________________________________________________________

______________________________________________________________________

______________________________________________________________________

C. Use this section to provide additional information.

Question

- Read section number 6 "Payment Allocation." Do you think that the average consumer

understands how their payments will be applied to their outstanding balance?

-Once you have entered into an agreement with Explore! for this credit card, can the bank amend

the agreement and INCREASE the annual percentage rate for this card?

-You do have a check to pay for your balance and that check is returned for insufficient funds. What

are the fees that the credit card will charge you for this event?

-Do you think that the application for the Explore Credit Card provides the consumer with an

adequate explanation of the terms and conditions of this contract?

-Why would a consumer want to take advantage of a debt "transfer service" associated with this

card?