Automatic Payment Authorization

Automatic Payment Agreement

Effective as of October 21, 2025

By enrolling in the GolfCard AutoPay Program (the "Program"), you authorize GolfCard Financial Services, Inc. (“GolfCard”), as a servicer for your GolfCard World Mastercard Account (and any other successor servicer), to debit the bank account you designate (the "AutoPay Bank Account") each Billing Cycle to pay automatically the amount you have selected (“AutoPay Payment Amount”).

We will tell you the amount and date of the payment that will be automatically debited from your AutoPay Bank Account. To receive a payment confirmation, you may log into the GolfCard website or email GolfCard at support@thegolf.card.com.

Please carefully read the following and click on the check box to indicate that you have accepted the terms of the AutoPay agreement and have requested enrollment. Please print a copy of this agreement and keep it for your records.

1. Definitions:

Current Balance: The total amount of money you currently owe on your credit card, including your previous Statement balance, any interest, past due amounts, fees (if applicable) and new charges made thereafter. Current Balance does not include any pending purchases at the time your AutoPay payment is withdrawn.
Statement Balance: The New Balance indicated on your most recent Statement. Statement Balance does not include Charges This Month, payments, credits or disputes that have occurred between the Statement issuance date and the AutoPay Date
Minimum Payment Due: The payment amount required to keep your Account in good standing, which will be indicated on your Statement. This amount may vary according to your balance each month. If you have received any adjustments or merchant credits since your Statement was issued, it is possible that the amount you owe will be less than the Minimum Payment Due on the Statement. If this occurs, we will only debit you the amount you owe.
Other Amount: If you select the "Other Amount" automatic payment option, your AutoPay Bank Account will be debited for the dollar amount that you specified, except as provided herein. If the Other Amount you have chosen is greater than the Current Balance on your Account, then your AutoPay Bank Account will be debited for no more than the Current Balance on your Account. You understand that each such debit will occur on the date specified in your payment notice and will occur no earlier than the AutoPay Date you have selected.

Warning: If your Other Amount is less than the Minimum Payment Due for any Billing Cycle as displayed on your Statement, you must make a payment outside of AutoPay to satisfy the Minimum Payment Due amount to avoid the Account going past due.
AutoPay Date: This is the date you selected for us to begin processing your AutoPay Payment Amount or shortly thereafter, and the same calendar day of each subsequent month (or the last day of the month if you selected the 29th, 30th, or 31st of any month without that many days) or shortly thereafter.

You agree that unless you notify us to stop or adjust the amount of the debit, in accordance with the procedures set forth in paragraph 4 below, you authorize the debit of funds from the AutoPay Bank Account in the amount specified in the automatic payment option you have selected on the AutoPay Date. You will ensure that there are sufficient funds in the AutoPay Bank Account on the AutoPay Date to pay the amount of the debit. For any automatic payment option you have selected, you authorize GolfCard to reduce the amount of the debit previously disclosed to you on your payment notice by the amount of any payments, credits applied (excluding purchase credits), or financial charges adjustments to your GolfCard credit card account prior to the AutoPay Date.

You understand that if your Account is cancelled and there is an outstanding balance on the Account, you authorize us to continue to automatically debit your AutoPay Bank Account unless you terminate participation in the Program in accordance with the procedures set forth in paragraph 6 below. If you close your AutoPay Bank Account, you agree to notify us beforehand to enable us to stop initiating debit transactions.

2. Additional Payments. If you would like to make payment in addition to the automated payment amount you have selected, you may do so by scheduling a one-time payment in-app, on the website or another means we permit. Note, any additional payments made outside of your scheduled AutoPay Payment will reduce the balance you owe toward your Minimum Payment Due, Statement Balance or Current Balance amounts. You authorize GolfCard to reduce your AutoPay Payment Amount only if withdrawal of such amount would result in a credit balance (e.g. -$100.00) to your Account. Such modification to your AutoPay Payment Amount in this instance would result in a withdrawal that is no greater than your Current Balance amount.

3. Varying Amounts and General Payment Reminders: You have the right to receive advance notice if any payment we seek will vary from the amount you authorize in your AutoPay settings or the previous debit. You authorize us to vary the amount of any payment without further notice to you so long as such payment is less than the AutoPay Payment Amount for the AutoPay method you chose or, if you have selected the Current Balance AutoPay option, no greater than 110% of your maximum credit limit. We will send you a reminder at least ten (10) calendar days prior to initiating any debit by sending you an email that contains your AutoPay Payment Amount and the AutoPay Date. If your AutoPay Date falls on a Saturday, Sunday, legal holiday or other day that we are not open for business, we will process your payment on the next available business day. However, the payment will be credited to your account as if it had been processed and posted on the AutoPay Date. All payments are subject to further verification and payment as well as the terms and conditions for Account and your AutoPay Bank Account.

4. Stop Payment Orders/Adjustments; Updating GolfCard Account: You may cancel your upcoming payment by turning off your AutoPay feature within the GolfCard Website by no later than 8pm ET one (1) calendar day prior to your scheduled AutoPay Date. Also, you may edit your AutoPay settings on any date prior to your AutoPay Date, however, any changes you make after 8pm ET one (1) calendar day prior to your scheduled AutoPay Date will occur after your payment processes and will be effective for the following month’s AutoPay Date.

You may also request cancellation of your upcoming payment by calling GolfCard at (888) 673-1860 at least three (3) business days before your scheduled AutoPay Date.
‍
You must update your GolfCard account: (a) if any information changes regarding your AutoPay Bank Account, (b) if you wish to change the account or financial institution from which your payment is debited, or (c) if you wish to stop a payment or discontinue your participation in AutoPay.

5. Returned Payments: If your AutoPay Bank Account rejects your payment because of insufficient (NSF) or uncollected funds, you authorize GolfCard to reinitiate the payment up to as many times as is permitted by applicable ACH network rules and applicable law, without further notice to you. However, you agree that we are under no obligation to reinitiate any rejected debits. At our discretion, we may attempt to process the charge again within 14 days. If funds are not fully available at any time during your participation in the Program, or your Account is otherwise not in good standing, we reserve the right to terminate your participation therein. If your Account is unenrolled for any reason, you will receive an email alert notifying you that your Account has been unenrolled. You may incur and be responsible for returned payment fee(s) as set forth in the cardholder agreement as well as any such fees charged by your bank.

6. In Case of Errors or Questions About Your Electronic Transfers: Telephone us at (888) 673-1860 or email us at support@thegolf.card.com as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

7. Termination of Participation in the Program: You may turn off or edit the AutoPay settings at any time by going to the ‘AutoPay Settings’ page on your online account and changing your payment preferences. This is the exclusive means by which you may revoke this authorization.