MedKey OPEN CREDIT AGREEMENT AND DISCLOSURE STATEMENT

You (meaning each person signing a MedKey Credit Application, either as an Applicant or Co-Applicant) must be 21 years of age under current state law requirements; if you are emancipated, employed full-time and live on your own, you may qualify. Please submit all information pertaining to the age requirement, with your application. If you are not emancipated, employed full-time or live on your own, we do require you have a co-applicant who is 21 years of age, and gainfully employed. In consideration of the granting of credit on your account by MedKey, Inc., you promise to do everything this Agreement requires of you and to pay us (meaning MedKey, Inc.) the charges made to this account, together with any finance charges and other charges or fees due under the terms of this Open Credit Agreement. You will become legally obligated under this Agreement upon acceptance and use of this account and the MedKey card. You may only use your MedKey account to charge your purchases of services and products at any participating healthcare service or product provider. You may not use your MedKey account to pay any obligation (a) which has been referred to a collection agency for collection, or (b) upon which a judgment has been taken. MedKey, Inc. may refuse to permit any additional charges at its sole discretion if (a) you fail to pay the minimum monthly payment described below, or (b) your income decreases. We will notify you of your maximum credit limit and you agree that we may change your limit at any time. We are not obligated to extend you credit in any amount which would cause your outstanding balance to exceed your credit limit. You agree to pay upon demand any amount, which exceeds your credit limit.

STATEMENTS. Statements are mailed monthly. The Statement Closing Date will be the 5th, 12th, 19th or 26th day of each month as specified in the written notice you will receive from us. We may change the Statement Closing Date to a different day of the month, but if we do, we will send you advance written notice of the change. A billing cycle is a period beginning on the day immediately following a Statement Closing Date and ending on the next Statement Closing Date.

You may pay your current balance shown on your monthly statement in full or in part. If you choose not to pay your current balance in full, you must make at least a minimum monthly payment equal to the minimum amount due shown on each monthly statement. The minimum amount due will be the greater of (a) 3% of the highest outstanding unpaid balance of your account during the preceding 36 consecutive billing cycles, or (b) $30.00, provided that if the outstanding balance of your account is less than $30.00, the minimum amount due will be such outstanding unpaid balance. All minimum amounts due, will be rounded up to the next whole dollar.

We shall retain the option not to require you to make the minimum monthly payment during certain designated billing cycles. (Skip payment billing cycle). You understand that we will continue to apply finance charges to your account during any such skip payment billing cycle and that all of the terms and conditions of the Agreement shall continue to apply to your account after such skip payment billing cycle.

FINANCE CHARGES. No finance charge is imposed upon new extensions of credit for the first 90 days after the extension of credit. If you pay less than the full amount of your account balance, excluding extensions of credit made within 90 days, we figure the FINANCE CHARGE on your account by applying the daily periodic rate to the “average daily balance” of your account and multiplying by the number of days in the billing cycle. To get the “average daily balance” we take the beginning balance of your account each day and subtract any payments or credits and any extensions of credit made within 90 days and unpaid finance charges and late charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. We do not add in any new charges. This gives us the average daily balance.

The FINANCE CHARGE will be computed by applying a periodic rate of .016411 % per day, which is an ANNUAL PERCENTAGE RATE of 5.99%.

OTHER CHARGES. No other charges will be imposed unless (a) you fail to make required payments after the due date, in which event a late charge plus the expenses of collection including attorney fees may be imposed, or (b) you pay us with a check or other payment method, that is not honored in full, in which event we may impose a $35.00 return payment charge for such returned payment. If at any time you fail to make a required payment by the due date, we will charge you a late charge as follows. In Va., a $20 late charge will be added to your existing balance after the due date each month, provided that the late charge may not exceed 5% of the amount of the required payment. In W.Va., a late charge may be imposed on any installment not paid in full within 10 days after its due date equal to 5% of the unpaid amount of the installment, provided that the late charge cannot be more than $15; additionally, that a late charge will be imposed only once with respect to any late payment regardless of how long it remains unpaid.

If this account is placed for collection or court action, you agree that we shall be entitled to recover attorney fees.

DEFAULT. Default in any of these terms, or in other terms governing our Open Credit Agreement from time to time furnished by us, specifically including default by failure to make any minimum payment when due, shall entitle us at our option and without notice to you to make all obligations immediately due and payable. Upon default, our obligation to extend further credit to you shall terminate. We reserve the right to modify or suspend in whole or in part the terms and conditions of our Open Credit Agreement, but we agree not to do so without prior written notification, in compliance with applicable law, to customers who may be affected sent by mail to their last known address. Any change in terms may, at our option, take effect as to balance outstanding on your account on the effective date of the change in terms. This Agreement is governed by Virginia and applicable federal law. If we have to take court action against you to collect any amount you owe us on your accounts, you agree that we may do so in the General District Court or Circuit Court of the City of Roanoke, Virginia, or any such other place as required by law.

COMMUNICATIONS CONCERNING DISPUTED DEBTS, INCLUDING A CHECK, DRAFT, OR MONEY ORDER MARKED PAID IN FULL, MUST BE SENT TO:
UNLIQUIDATED CLAIMS ADMINISTRATOR
MEDKEY INC.
PO BOX 40032
ROANOKE, VA 24022-0032

LOSS OR THEFT OF CARD. Any MedKey card we supply you in connection with this account remains our property and you must return the card to us immediately upon demand. If you notice the loss or theft of your MedKey card or possible unauthorized use of your MedKey card or MedKey account, you should write to us immediately at the address set forth below, or call us at the telephone number set forth below. You will not be liable for any unauthorized use that occurs after you notify us. You may however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.

SEVERABILITY. If any provision of this Agreement is in conflict with applicable law, that provision will be considered to be modified to conform to such applicable law.

Mailing Address:
MedKey, PO Box 40032, Roanoke, Virginia 24022-0032
Phone: (540) 983-3299 Toll-free: (877) 224-1414Fax: (540) 224-5302

Annual Percentage Rate	Grace period for Payment of Balances for Purchases	Method of Computing the Balance for Purchases	Returned Payment	Late Fees
5.99 % APR.	You have not less than 58 days from statement closing date to repay the balance in full before a finance charge on current purchases will be imposed.	Average Daily Balance. (Excluding current purchases.)	$35.00	Ranges from $5-$20; varies by state. See the agreement for the fee applicable in your state.
The above information was correct as of the printing date of July 26, 2018, and after that date is subject to change. For changes since printing date, contact MedKey, Inc., PO Box 40032, Roanoke, VA 24022-0032