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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.

BALANCES

The UltraVX Visa Card has three different balances.

1. Cash Balance: The Cash Balance is where cash loads are applied. The Cash Balance is used for Balance Transfers, ATM transactions, and Bill Payments. The Cash Balance is also used to cover the automatic monthly minimum payment.
2. Secured Balance: The Secured Balance is used to secure the Credit Limit. Money is transferred from the Cash Balance into the Secured Balance to increase your Credit Limit. Funds in the Secured Balance are not accessible.
3. Credit Balance: The Credit Balance is used for point-of-sale purchases, and consists of three parts:
   • Credit Limit: The Credit Limit is how much total credit you have.
   • Available Credit: The Available Credit is the amount of credit you have to spend.
   • Outstanding Credit Balance: The Outstanding Credit Balance is how much of your credit limit you’ve spent, which is how much you owe.

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CREDIT REPORTING

The UltraVX Visa Card is a credit card and the card's activity is reported to the major credit bureaus. Your credit activity will be reported to the credit bureaus every month. Here's some advice on using your card:

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

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AUTOMATIC MINIMUM PAYMENTS

The Minimum Payment will be automatically taken from your Cash Balance twenty five 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 Balance. UltraVX will check the Cash Balance every day after such date until funds are available. If funds do not become available during the grace period, the balance will become delinquent and will be assessed a $25 late payment fee. If you want to pay more than the Minimum Payment, you can log in to your online Cardholder Account and do so.

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BILL PAYMENTS

One of the advantages of the UltraVX Visa Card is electronic Bill Payments. All Bill Payments are paid from the Cash 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. A standard 3-5 day mailing timeframes applies when sending a paper check. To make a Bill Payment, visit www.ultravx.com and click “Account Login.” First time users will be prompted to create a user ID and password. After you have logged in to your online account, click “Bill Pay” to add a biller and pay a bill.

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ONLINE PAYMENTS

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

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ADD MONEY TO YOUR CASH BALANCE

The UltraVX Visa Card allows you to add cash to the Cash Balance. 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 Balance to ensure that the automatic minimum monthly payment is paid.

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ALERTS

The UltraVX Visa Card offers alerts to help you stay updated on activities. Alerts are sent as a text message to a mobile phone, by email, or to a secure message center on the cardholder Web site. 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 Web Site: You can view account information and manage many aspects of your UltraVX Visa card by logging in to the cardholder Web site at any time. To log in to your online account, go to www.ultravx.com and click "Account Login."
2. Automated System: You can get account information, report a lost or stolen card, or be transferred to a live customer service representative via the 24/7-automated system. To reach the automated system, call (877) 889-5085.
3. Live Customer Service Agent: To contact a live agent at our world-class customer service center, call (801) 924-1593.