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The UltraVX Visa Card is simple and easy to use! To help you learn about the card and all the benefits, we’ve provided this resource.

ACCOUNTS

The UltraVX Visa Card has three different accounts, each with its own balance. To make this simple, we also show the “ Available to Spend” balance.

1. The Cash Account is used for cash loads, Money Transfers, ATM transactions, and Bill Payments. This is also where you will add cash to cover the automatic monthly minimum payment.
2. The Secured Account is used to secure the Credit Line. Money is transferred from the Cash Account into the Secured Account to increase your Credit Line. Funds in the Secured Account are not accessible. These funds are used to secure your credit line through Credit-On-Demand.
3. The Credit Account is used for all your purchases, and consists of three parts:
   • The Credit Line is how much total credit you have.
   • The Available Credit is the amount of credit you have to spend.
   • The Outstanding Credit Balance is how much of your credit limit you’ve spent, which is how much you owe.
4. Available to Spend is your total spending power. This balance is the sum of the Available Credit and the Cash Account balance and it reflects the total amount you can spend. Your purchase transaction will be declined if it exceeds this balance.

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CREDIT-ON-DEMAND

Credit-on-Demand is what sets the UltraVX Visa Card apart from all other credit cards. When you make a purchase that exceeds your Credit Line, an automatic Account Transfer from your Cash Account occurs. The amount needed to cover the transaction will be transferred from the Cash Account into the Secured Account, thus increasing your Credit Line. If the Available to Spend (Cash Account balance + Available Credit) is less than the purchase amount, the transaction will be declined.

The maximum Credit Line is $25,000. If you are interested in maintaining a steady Credit Line, UltraVX recommends you make an initial Account Transfer into your Secured Account, and then only spend the amount in your Available Credit. There is no option to opt out of Credit-on-Demand, so any excess spending will increase your Credit Line.

* Patent Pending.

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CREDIT REPORTING

The UltraVX Visa Card is a credit card that reports your credit activity on this card to the major credit bureaus. By making your payments on time and managing your other credit responsibilities appropriately you may improve your credit. Your credit will be reported to the credit bureaus every month. Here's some advice for improving your credit:

• Never allow your monthly minimum payment to be late. The best way to do this is by making sure you always have enough money in your Cash Account Balance to cover the minimum payment amount.
• To prevent delinquent status, keep enough money in your Cash Account to cover the minimum payment. Also, maintain a Credit Line and Outstanding Credit Balance that you can manage. If you allow your Credit Line and outstanding credit balance to get out of hand, it might become difficult to pay your minimum payment.
• To find out more about what makes up your credit score please visit FTC.gov

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AUTOMATIC MINIMUM PAYMENTS

The Minimum Payment will be automatically taken from your Cash Balance fifteen days after the end of each month's billing cycle. The Minimum payment is 4% of the Outstanding Credit Balance or $10 (whichever is greater). The Minimum payment will be automatically debited from your Cash Account Balance. UltraVX will check the Cash Account every day after such date until funds are available. If funds do not become available during the grace period, the account will become deliquent and will be assessed a $25 late payment fee. If you want to pay more than the Minimum Payment, you must log into your online Cardholder Account and make a payment from your Cash Balance.

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BILL PAYMENTS

One of the advantages of the UltraVX Visa Card is electronic Bill Payment. All Bill Payments are paid from the Cash Account balance. If a biller is not listed in our biller database, we can send a paper check on your behalf. Electronic Bill Payments are paid instantly; standard 3-5 day mailing timeframes apply for the sending of paper checks.To make a Bill Payment, visit www.ultravx.com and click “login.” First time users will be prompted to create a username and password. Once you have logged into your online account, click “Send Money,” then “Bill Payment.”

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ONLINE PAYMENTS

Your minimum payment is automatically paid every month. It is paid through an automatic Account Transfer from the Cash Account . Manual Payments to the Outstanding Credit Balance are paid from the Cash Account as well. At anytime during the month,you may pay off part or all of the entire Outstanding Credit Balance. Important! Manual Payments will not replace your automatic minimum monthly payment. The only way to prevent the automatic minimum monthly payment is paying off the Outstanding Credit Balance in full.

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ADD MONEY TO YOUR CASH ACCOUNT

The UltraVX Visa Card allows you to add cash to the Cash Account. Available cash load methods include: direct deposit (free) and various retail locations (PayXone, Western Union and MoneyGram). NOTE: It's important to routinely Add Money to the Cash Account to ensure that the automatic monthly payment is paid.

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ALERTS

The UltraVX Visa Card offers account alerts to help you stay updated on all account activity. Account alerts are sent as a text message to a mobile phone, or by email, or to a secure message center on the cardholder website. Available alerts include account balance, transaction, and account activity notifications. Alerts are also a security feature. Several options allow you to receive alerts when the card is used. Thus, if any unauthorized transaction occurs, not only do you know within seconds, the alert also indicates where the transaction took place.

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CUSTOMER SERVICE

The UltraVX Visa Card offers three kinds of world-class customer service to help answer any questions you may have.

1. Cardholder Website: You may login to your online account for free to view account information at any time. You can manage all aspects of the UltraVX Visa Card from the cardholder website. If you have questions, visit the “How it Works” and “FAQ” sections, to learn about the details of your card, or to view answers to commonly asked questions. You may also update your profile using the cardholder website. To login to your online account, visit www.ultravx.com and click “login.” First time users will be prompted to create a username and password. Returning users just enter your username and password.
2. Automated System: The 24/7-automated system allows you to hear account information, report a lost or stolen card or be transferred to a live customer service agent. To reach the automated system call 1 (877) 889-5085.
3. Live Customer Service Agent: If you have other questions you may contact a live agent at our world-class customer service center by calling (801) 924-1593.