VISA ONLINE STATEMENT AGREEMENT

ONLINE STATEMENT AGREEMENT EFFECTIVE NOVEMBER, 2008

This agreement ("Agreement"), is made between you and Ready Credit Corporation for the purpose of receiving an electronic version of your account statement online ("Online Statement"). Your Online Statement is available for your ReadyCARD Visa Prepaid Card. As used in this Agreement, the words "we," "our" and "us" mean Ready Credit Corporation, its affiliates, successors and assigns, and the words "you" and "your" mean the account holder who has elected to receive his or her Online Statements.

This Agreement is in addition to the Cardholder Agreement and Privacy Policy. If there is a conflict between the terms and conditions of this Agreement and the terms and conditions of any other agreements between you and us as they relate to the Online Statement, this Agreement will control.

By clicking the "Accept & Continue" button you agree to access your account statement online and abide by the terms and conditions set forth in this Agreement and acknowledge your receipt and understanding of the Agreement and disclosures contained in the Agreement. Please read this Agreement carefully and retain a copy for your records.

1. Description of Online Statements.
Online Statements will be viewable electronically by logging into the www.myreadycard.com website. You understand and agree that by agreeing to access your Online Statement, you will not receive a statement by mail (see section 3 below for availability of paper statements).

2. Accessing Your Online Statements.
Your Online Statement and accompanying legal notices and disclosures will be presented to you via www.myreadycard.com. You will not receive an email or other message alerting you to the availability of your Online Statement. It is your responsibility to view your Online Statement by visiting www.myreadycard.com. You will have access up to 18 months of Online Statement history, and will be able to view the current month's statement as well as up to 17 previous statements. Immediate access to statement history may vary based on the posting of transactions. All statements are in a format that can be printed.

3. Change Statement Delivery Method.
Contact us any time if you wish to discontinue this Service and desire to have a paper statement mailed to you. You will be charged a fee of $3.00 for every paper statement mailed to you. Paper statements are mailed on the 4th of each month or the first business day following the 4th of the month. If you request additional paper statements, you will be charged $3.00 for each statement mailed to you.

4. Equipment.
You are responsible for and must provide all telephone and other equipment, software (other than any software provided by us) and services necessary to access the Service. Ready Credit Corporation reserves the right to modify this Agreement at any time. Any modifications shall be effective when they are posted on www.myreadycard.com

5. Termination
This Agreement will be in effect from the day you select to receive Online Statements and at all times while you are accessing Online Statements. Ready Credit may terminate this Agreement and your access to Online Statements. We will notify you of the change by email as soon as reasonably possible. You may terminate as described in Section 3 above by contacting us and requesting that statements by mailed to you. You will be charged $3.00 for each monthly statement mailed to you. All applicable provisions of this Agreement shall survive termination by either you or Ready Credit, including, limitations of liability and indemnification.

6. Limitation of Liability Relating to Use of the Service.
Except as otherwise provided in this Agreement or otherwise expressly provided by applicable law or regulation, you agree that neither Ready Credit Corporation nor any party that provides Internet access or equipment used to access the Online Statement, nor any agent, independent contractor or subcontractor of any of the foregoing ("Service Providers") will be liable for any loss, injury or damage, including, without limitation, direct, indirect, incidental, special, consequential or punitive damages, whether under a contract, tort or any other theory of liability, arising in any way out of the enrollment in, use or maintenance of the Online Statement, or of the Internet access provider used to access the Online Statement, or of the Equipment used to access the Online Statement, including, without limitation, any loss, injury or damage relating to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line failure or unauthorized interception or access to your communication with us, even if we or the Service Providers are aware of the possibility of such events.

In any action or proceeding to enforce rights under this Agreement, the prevailing party will be entitled to recover costs and attorneys' fees.

7. Indemnification.
You agree to indemnify, defend and hold Ready Credit Corporation and its affiliates, officers, directors, employees, consultants, agents, service providers and licensors harmless from any and all third party claims, liability, damages and/or costs (including but not limited to reasonable attorney's fees) arising from (a) a third party claim, action or allegation of infringement, misuse or misappropriation based on information, data, files or other Materials submitted by you to the Online Statement; (b) any fraud, manipulation or other breach of this Agreement by you; (c) any third party claim, action or allegations brought against Ready Credit Corporation arising out of or relating to a dispute with you over the terms and conditions of an agreement or related to the purchase of sale of any goods or services; (d) your violation of any law or rights of a third party; or (e) your use of the provision of the Service or use of your account by any third party. Ready Credit Corporation reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with Ready Credit Corporation in asserting any available defenses. You will not settle any action or claims on Ready Credit Corporation behalf without the prior written consent of an authorized officer of Ready Credit Corporation.