Adverse Action Notice (Email)

Dear Jacob,

After very carefully reviewing the information that was supplied in the pre-qualification
process, we are sorry to advise you that it is unlikely that you would be approved for a
Petal Card Visa at this time for the following reason(s):

1: You have a recent and severe delinquency.

Please note that this decision will not impact your credit score.

The consumer reporting agency contacted that provided information that influenced our
decision in whole or in part was:

Experian
P.O. Box 4500
Allen, TX 75013
1-866-200-6020
www.experian.com

We obtained your credit score from this consumer reporting agency and used it in making
our credit decision. Your credit score is a number that reflects the information in your
credit report. Your credit score can change, depending on how the information in your
credit report changes.

Your credit score: 485

Date of Credit Report Pull: Friday, Nov 8, 2019
Scores range from 300 to 850.

Key factors that adversely affected your credit score:

1: You have too few credit accounts.

2: You have either too few loans or too many loans with recent delinquencies.
3: Newest delinquent/derogatory payment status on your accts is too recent.
4: The worst status on your installment accounts is delinquent or derogatory.

The reporting agency played no part in our decision and is unable to supply specific
reasons why we denied credit to you. You have a right under the Fair Credit Reporting
Act to know the information contained in your credit file at the consumer reporting agency.
You also have a right to a free copy of your report from the reporting agency, if you
request it no later than 60 days after you receive this notice. In addition, if you find that
any information contained in a report you receive is inaccurate or incomplete, you have
the right to dispute the matter with the reporting agency. Any questions regarding such
information should be directed to Experian, National Consumer Assistance Center, P.O.
Box 4500, Allen, TX 75013, www.experian.com/reportaccess, or by calling 866-200-6020.

Our credit decision was based in whole or in part on information obtained from Quovo
and/or Plaid, digital financial records aggregators. Quovo and Plaid are outside sources
other than a consumer reporting agency. Quovo and Plaid played no part in our decision
and are unable to supply specific reasons why we have denied credit to you. Under the
Fair Credit Reporting Act, you have the right to make a written request, no later than 60
days after you receive this notice, for disclosure of the nature of this information.

Sincerely,
WebBank, Salt Lake City, UT
c/o Petal Card, Inc.
MSC 166931
P.O BOX 105168
Atlanta, GA 30348-5168
Email: support@petalcard.com

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating
against credit applicants on the basis of race, color, religion, national origin, sex, marital
status, age (provided the applicant has the capacity to enter into a binding contract);
because all or part of the applicant's income derives from any public assistance program;
or because the applicant has in good faith exercised any right under the Consumer Credit
Protection Act. The Federal agency that administers compliance with this law concerning
this creditor is the FDIC, Consumer Response Center, 1100 Walnut Street, Box 11,
Kansas City, Missouri 64106.

Ohio Applicants: The Ohio laws against discrimination require that all creditors make
credit equally available to all credit worthy customers, and that credit reporting agencies
maintain separate credit histories on each individual upon request. The Ohio civil rights
commission administers compliance with this law.