This card is owned and issued by Digital Commerce Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. Digital Commerce Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

^† Financial Implications - Across Canada (excluding Saskatchewan and New Brunswick) Refresh Financial offers Credit Builder Loans, provided by Refresh Capital Corp. in fixed sizes ranging from $1,250 to $25,000, at a fixed interest rate of % APR with terms of either 36 months or 60 months.

Approvals - Approvals are subject to Refresh Financial’s review and underwriting guidelines which requires minimum monthly income, ID & banking verification.