b'Visa Credit Card Application Agreement & Truth-In-Lending\nDisclosure Statement\nIn this agreement (called the \xe2\x80\x9cAgreement\xe2\x80\x9d), the words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Zeal Credit Union\nand its successors and assignees. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have\napplied for the Card (s) by signing a loan application for a credit card account or accepts a telemarketing or\nother offer for a credit card account or uses the credit card. Every person signing a credit card application\nrepresents that he or she is a member of this Credit Union. To preserve your membership and ability\nto borrow under this contract, you give us the right to advance funds to your share account from your\nunused line of credit limit in increments of five dollars. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA Credit Card or Cards, or\nany other access check or device used now or in the future, and any duplicates and renewals thereof or\nsubstitutions therefore we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card line of credit loan account\nwith us. This Agreement and Truth-in-Lending Disclosure Statement is a contract and is part of the credit\napplication.\n1. Responsibility. By signing a loan application, you are applying to us for a VISA Credit Card line of credit\nloan. If we approve the loan and issue a Card, you promise to repay all debts and the Interest thereon\narising from any authorized use of the Card. You agree NOT to let someone else use the Card. If you do,\nyou are agreeing with us that you authorize ALL use that person makes of the Card. Therefore; you will\nbe liable for ALL use of the Card. Of course, once you notify us of unauthorized use we will take prompt\nsteps to try to prevent any further Card use by that person. If two persons sign the application, the\nAccount is joint; therefore each of you, separately and jointly with each other, are liable for all debts on the\nAccount and Interest thereon. Your obligation to pay all such debts and Interest thereon continues even\nthough an agreement, divorce decree or other court judgment to which we are not a party may direct that\nonly one of you, or some person other than you (or both of you) must pay such debts and Interest.\n2. Credit Line. If we approve your loan application, we will establish a self-replenishing line of credit for\nyou and will notify you of the amount thereof (\xe2\x80\x9ccredit limit\xe2\x80\x9d) in the mailer included when we issue your\nCard. That mailer is incorporated herein as part of this Agreement. You agree not to let your Account\nbalance exceed such credit limit. Each payment you make on the Account will replenish your credit limit\nby the part of that payment which is applied to principal. You may request an increase in the credit limit by\nwritten application only, which must be approved by us. We may reduce your credit limit from time to time\nor may, with good cause, revoke your Card and terminate this Agreement; in either event, we will give you\n\nZCU_UC_022_060220\n\nVisa Disclosure | 1\n\n\x0cwritten notice of such action. \xe2\x80\x9cGood cause\xe2\x80\x9d includes your failure to satisfy the terms of this Agreement,\nor our adverse re-evaluation of your creditworthiness. However, you may terminate this Agreement, at any\ntime and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not\naffect your obligation to pay all debts and interest thereon arising from authorized use of your Card. The\nCards remain our property and you must recover and surrender to us all Cards upon our request or upon\ntermination of this Agreement.\n3. Using the Card. We will send you a Card (s) embossed as you have directed. As soon as received, each\nCard must be signed (in the space provided on the back) by the person whose name is embossed thereon.\nThat signature must be in the same form as the name embossed on the front of the Card. To make a\npurchase or cash advance, present the Card to a participating VISA-plan merchant, financial institution or\nus, and sign the sales draft or cash advance draft which will be imprinted with your account number. You\ncan also use your Card, together with your Personal Identification Number (PIN), to get a cash advance\nfrom an Automated Teller Machine (ATM) in the VISA TRAVEL NETWORK, a VISA financial institution or\nmake a purchase from a merchant that uses the card in an electronic terminal that accesses the VISA\nsystem. There is no fee for ATM cash advances. You agree not to use your Card for any type of illegal\ntransaction or activity as defined by federal and state laws. Please note that we are not responsible if a\nparticular VISA-plan merchant or financial institution refuses to honor your Card. You will receive a copy of\nany draft you sign when using the Card, which you should retain to verify your monthly statement.\n4. Monthly Payment. A statement will be mailed every month showing: \xe2\x80\x9cPrevious Balance of Purchases\xe2\x80\x9d\nfrom your last statement; \xe2\x80\x9cCash Advances\xe2\x80\x9d and \xe2\x80\x9cNew Balance of Purchases\xe2\x80\x9d transactions posted to your\nAccount since the last statement; and \xe2\x80\x9cInterest\xe2\x80\x9d, \xe2\x80\x9cCash Advances\xe2\x80\x9d and required \xe2\x80\x9cMinimum Payment\xe2\x80\x9d\ndue to the date of statement and the remaining credit limit still available. You must pay at least the\nMinimum Payment shown on your statement within 25 days of the closing date on the statement. You\nmay pay any amount greater than the Minimum Payment, including payment in full of the New Balance on\nthe statement, without penalty for prepayment. You may make payments on the Account as often as you\nwish. The Minimum Payment will be either (a) minimum 2% of your New Balance or $25.00, whichever\nis greater, or (b) maximum 4% of your balance or $25, whichever is greater, or (c) your full New Balance,\nif the total is less than $25.00; provided, however, the Minimum Payment shown on your statement\nincludes any unpaid portions of Minimum Payment(s) shown on earlier statement(s). In addition, if at any\ntime your total New Balances exceed the credit limit, you must pay us that excess immediately. The Credit\nUnion reserves the right to apply the payments to your account in any manner it may choose at its sole\ndiscretion. Generally, Credit Union may elect to apply each payment in the following order: unpaid interest,\nvisa charges, credit purchase balances as of the closing date of the last statement; cash advance balances\nas of the closing date of the last statement; credit purchases of this billing cycle and cash advances this\nbilling cycle.\n\nZCU_UC_022_060220\n\nVisa Disclosure | 2\n\n\x0c5. Interest. The Interest shown on your Monthly Statement is figured by multiplying a Monthly Period\nRate times the average daily balance of both Credit Purchases and Cash Advances. The Interest and the\ncorresponding Annual Percentage Rate are computed using a variable monthly rate, which may change up\nto twelve (12) times a year. If rate changes occur, they will be made on the first Billing Cycle following the\n16th day of each month. The Annual Percentage Rate and its corresponding Monthly Periodic Rate which\ngoes into effect (or continues in effect) is determined by taking the Prime Rate as listed in the \xe2\x80\x9cMoney\nRates\xe2\x80\x9d column in the Wall Street Journal on the last business day preceding the 16th day of each month.\nCLASSIC FIXED RATE\nThe Interest for a VISA\xc2\xae Classic for a billing cycle is computed by applying the daily Periodic Rate of\n.03260% which is an Annual Percentage Rate of 11.90% to the average daily balance of the Credit\nPurchases, which is determined by dividing the sum of the daily balances during the billing cycle by\nthe number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the\noutstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit\nPurchases posted to your account, and subtracting any payments as received and credits as posted to\nyour account, but excluding unpaid Interest.\nPLATINUM FIXED RATE\nThe Interest for a VISA\xc2\xae Platinum billing cycle is computed by applying the daily Periodic Rate of .02712%\nwhich is an Annual Percentage Rate of 9.90% to the average daily balance of Credit Purchases, which is\ndetermined by dividing the sum of the daily balances during the billing cycle by the number of days in the\ncycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of\nCredit Purchases at the beginning of the billing cycle, any new Credit Purchases posted to your account,\nand subtracting any payments as received and credits as posted to your account, but excluding any unpaid\nInterest.\nCLASSIC VARIABLE RATE\nThe variable ANNUAL PERCENTAGE RATE for Classic Cards will be based on the Prime Rate plus a Margin\nof 5.75% but never more than 25.00%.\nPLATINUM VARIABLE RATE\nThe variable ANNUAL PERCENTAGE RATE for Platinum cards will be based on the Prime Rate plus a\nMargin of 4.50%, but never more than 25.00%. The Monthly Periodic Rate is determined by dividing\nthe above Annual Percentage Rate by twelve (12). The Interest Charge for Cash Advances and Credit\nPurchases are determined as follows:\na. Cash Advances. Interest on Cash Advances begins to accrue on the date you obtain the cash\nadvance or the first day of the Billing Cycle in which it is posted to your account, whichever is later.\nThere is no grace period on Cash Advances. The Interest for a Billing Cycle is computed by applying\nthe Monthly Periodic Rate to the average daily balance during the Billing Cycle, which is determined by\ndividing the sum of the daily balances for Cash Advances during the Billing Cycle by the number of days\nZCU_UC_022_060220\n\nVisa Disclosure | 3\n\n\x0cin the Cycle. Each daily balance is determined by adding new cash advances received to the previous\nbalance for Cash Advances, and subtracting any payments received or credits posted to your account,\nexcluding unpaid Interest.\nb. Credit Purchases. To avoid incurring any additional Interest on the balance of Credit Purchases\nreflected on your Monthly Billing Statement, you must pay the \xe2\x80\x9cNew Balance\xe2\x80\x9d in full within 25 days\nof your Statement closing date. The Interest for a Billing Cycle is computed by applying the Monthly\nPeriodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum\nof the daily balances during the Billing Cycle for Purchases by the number of days in the Cycle. Each\ndaily balance is determined by adding new Credit Purchases posted to your account to the previous\nbalance of Credit Purchases, and subtracting any payments received and credits posted to your\naccount, but excluding any unpaid Interest.\n6. Grace Period. You have a 25-day grace period for Purchases, providing you have paid your previous\nbalance in full by the Payment Due Date. In order to avoid additional Finance Charges on Purchases, you\nmust pay your balance in full by the Payment Due Date on the front of your statement. Exception: There is\nno grace period on Cash Advances.\n7. Skip Payment Option. Occasionally we may offer you the option to \xe2\x80\x9cskip\xe2\x80\x9d your minimum monthly\npayment. You may not skip payments unless this offer is made to you. Skip Payment Option will not be\navailable to you if your Accounts are delinquent or in default. When you use a skip payment option the\nperiodic Interest continues to build on the entire unpaid balance of your Account.\n8. Promotional Balances. We may from time to time offer you a promotional Periodic Rate on all or a\nportion of Cash Advance or Purchase balances in your Account (\xe2\x80\x9cPromotional Balances\xe2\x80\x9d). If you take\nadvantage of a Promotional Balance program, the resulting Promotional Balance will be subject to\nthe terms of that specific promotional offer and this Agreement. Any expiration date specified in the\nPromotional Balance offer, the date the Account is closed to future transactions, or the date your Account\nbecomes subject to a Default Rate as provided below (the \xe2\x80\x9cTermination Date\xe2\x80\x9d). In each Promotional\nBalance program, any terms of the program not disclosed in this Agreement (such as the Annual\nPercentage Rate, effective dates any grace period) will be detailed in the Promotional Balance offer.\n9. Credits. If merchants who honor your Card give you a credit for returns or adjustments, they will do\nso by sending us a credit slip, which we will post to your Account. You should keep your copy of the\ncredit slip to verify your monthly statement. If your credits and payments exceed what you owe us on the\nAccount, we will credit such excess to the Account and, if the amount is $1.00 or more, we will refund it\nafter 6 months or upon your written request.\n\nZCU_UC_022_060220\n\nVisa Disclosure | 4\n\n\x0c10. Other Charges. The following fees will be added to your Account, as applicable:\nLate Fee - If your minimum payment is not received within 10 days after the payment due date, a late\nfee of $25.00 may be added to your account.\nReturned Check (NSF) Fee - If a check you give us in payment of amounts you owe is returned\nunpaid for any reason, a NSF fee of $25.00 may be added to your account.\nOver Limit Fee - If your New Balance (less any fees imposed during the cycle) exceeds your credit\nlimit on the statement date, an over limit fee of$25.00 may be added to your account.\nDocument Copy Fee - You will be charged $4.00 for each copy of a draft, charge or statement that\nyou request.\n11. Balance Transfers. You may transfer balances from other credit card accounts with other creditors,\nsubject to the terms and conditions of your Agreement. We reserve the right to refuse any request to\ntransfer balances at our sole discretion, and assume no liability of any kind if we refuse your request.\nBalance transfer request(s) exclude loan or credit card balances held with Zeal Credit Union. All balance\ntransfers are processed at the rate indicated in the current VISA Credit Card Agreement and are subject\nto credit limit availability and membership accounts being in good standing. To transfer balances to your\nAccount, you must complete a Balance Transfer Request form that we will provide upon request. Any\nbalance(s) transferred to your Account will be subject to Interest Charges as described in your Agreement.\nYou promise to pay any amounts that we advance from your Account for such purpose, as reflected on\nyour Monthly Billing Statement.\nYou acknowledge that you are responsible for any additional fees incurred on the accounts listed above\n(late charges, finance charges, additional purchases, etc.) and that you must continue to make the\nminimum payment amount(s) due until the balance transfer is processed and the amount is reflected\nboth on the creditor\xe2\x80\x99s statement and on your Zeal Monthly Billing Statement. Zeal Credit Union is not\nresponsible for these additional fees assessed by the other financial institution, including payments that\nare late or lost in the mail. Please allow up to 30 days for processing of the balance transfer. Any transfer\nof balances that contain disputed transaction charges, you understand that you may lose some or all of\nyour rights to those charges. By performing a balance transfer, Zeal Credit Union is not responsible for\nclosing your other account (s) and that the account will be not automatically close after being paid in full.\n12. Foreign Transactions. Purchases and cash advances you make in foreign countries and foreign\ncurrencies will be billed to you in U.S. dollars. The conversion to U.S. dollars will be made in accordance\nwith the VISA operating regulations for international transactions.\n\nZCU_UC_022_060220\n\nVisa Disclosure | 5\n\n\x0c13. Loss or Theft of Card. You agree to notify us immediately upon discovering that your Card has\nbeen lost or stolen.\n14. Ownership of Cards. Any card issued in relation to your account is the property of the Credit Union\nand upon demand of Credit Union, you will surrender it to Credit Union or its authorized agent or destroy\nit by cutting it in half.\n15. Assignability. You shall have no right to transfer your Account or to assign this Agreement.\nThe Credit Union, however, shall have the right to assign and transfer, at any time an in its sole\ndiscretion, this Agreement or any or all of its rights under this Agreement to any other person or entity.\n16. Cancellation. You may cancel this Agreement with Credit Union or revoke any Authorized User\xe2\x80\x99s\nstatus at any time by notifying Credit Union in writing and returning any affected Card. You understand\nand agree that Credit Union has up to ten (10) days after such notice to effectuate your cancellation or\nrevocation of Authorized User\xe2\x80\x99s status. You remain obligated to Credit Union for all Credit Purchases or\nCash Advances made prior to or up to thirty (30) days after such cancellation or revocation, and Credit\nUnion may declare your balance due and payable together with all applicable Interest and other fees and\ncharges; otherwise you remain obligated to repay any unpaid balance according to this Agreement.\n17. Claims. You waive and release Credit Union from all defenses, rights and claims you may have\nagainst any person or company honoring a Credit Card or other access device or not permitting a Credit\nPurchase or Cash Advance, except where such rights cannot be waived under the Fair Credit Billing Act.\nIf your Account is available to provide overdraft protection to a deposit account under a separate Overdraft\nProtection Request/ Agreement, you hold Credit Union harmless from any and all claims which might\notherwise arise if an advance is not processed to cover an overdraft regardless of whether or not credit\nwas available under your account.\n18. Disputes. You agree to make a good faith effort to settle all disputes concerning Credit Purchases\nmade through the use of your Card with the merchant or other person honoring the Card. Except as\nprovided in the notice of Your Billing Rights, you agree to pay the Credit Union all amounts charged to your\nAccount despite any such dispute.\n19. Lien Impressment. Unless prohibited by law, the Credit Union shall have the right to set off the\namount of any funds you have in your Accounts with the Credit Union or any other amounts owed to you\nby the Credit Union against any amounts charged to your Account after your Account has been canceled\nor terminated. This right of setoff will not extend to any deposits established under a governmental\napproved tax deferral deposit plan such as an I.R.A. or KEOGH account. Credit Union also impresses\na lien upon your shares and dividends and has the right to enforce that lien in a manner similar to\nenforcing its right of setoff.\n\nZCU_UC_022_060220\n\nVisa Disclosure | 6\n\n\x0c20. Security Interest. If you have given the Credit Union a security interest in any property (other than\nyour principal dwelling or \xe2\x80\x9chousehold goods\xe2\x80\x9d as defined in the Federal Trade Commission\xe2\x80\x99s Credit\nPractices Rule) as part of any other agreement with the Credit Union, that property is also pledged by\nyou as security for the credit extended under this Agreement, unless prohibited by law. This provision is\nthe Security section under the Truth in Lending disclosure of this Agreement as well as a statement of\ncontract which results in collateral securing other loans with Credit Union also securing this Agreement.\nTo the extent permitted by law, you grant Credit Union a purchase money security interest in all goods\nyou purchase under your Account to the extent you continue to owe Credit Union for the purchase of\nsuch goods under your Account if such goods are \xe2\x80\x9chousehold goods,\xe2\x80\x9d and to the extent you continue\nto owe Credit Union any money under your Account if such goods are not \xe2\x80\x9chousehold goods\xe2\x80\x9d. Further,\nif you give Credit Union a specific pledge of other collateral to secure the repayment of your Account,\nsuch as a pledge of your shares or deposits, then such other collateral will also secure the repayment\nof your Account.\n21. Default. You will be in default if you fail to make the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d shown on a monthly\nstatement within 25 days of the closing date on the statement. You will also be in default if (a) you breach\nany other conditions of the Agreement, (b) if we determine that your creditworthiness (which includes\nyour ability to repay us) has become unsatisfactory due to change in employment, increase in your other\nobligations, or because of any other reason, or (c) in the event of your death. In the event of any default\nor in the event this Agreement is terminated by you or by us for any reason, the entire balance on the\nAccount becomes due and payable forthwith. You also agree that, in case of default, you will pay all usual\nand customary costs of collection permitted by law.\n22. Credit Information. You authorize us to investigate your employment and/or credit standing when\nopening, renewing or reviewing your Account, and you authorize us to disclose information regarding\nour experience with you under this Agreement to credit bureaus and other creditors.\n23. Effect of Agreement. This Agreement contains our complete contract relating to the Account and\napplies to every transaction relating to the Account even though a sales or cash advance draft you sign\nor credit slip may contain different terms.\n24. Amendment of Agreement. From time to time, we may amend this Agreement by giving you written\nnotice of the amendment at least 45 days before it goes into effect, unless a shorter notice period is\npermitted by law. The notice will be sent to your last known address appearing in our records and will\nstate the date upon which the amendment will become effective. Any amendments which affect you\nadversely (such as an increase in the interest rate) may also apply to amounts you already owe.\nOf course, we will only make changes the law permits.\n\nZCU_UC_022_060220\n\nVisa Disclosure | 7\n\n\x0c25. Personal Identification Number (PIN). We will furnish you with a Personal Identification Number\n(PIN). You agree to keep the PIN secret. You also agree you won\xe2\x80\x99t write the PIN on the Card or anything\nyou keep with the Card. Your use of the PIN and Card in getting a cash advance or making a purchase is\nagreed to constitute your signature for purposes of such cash advance.\n26. Record Keeping. You hereby agree that we may keep the portion of this Agreement which bears your\nsignature so that we can comply with federal and/or state law relating to loan documents we are required\nto keep in our files.\n27. Use of Card for Illegal Activity. You agree that you will not use your account for any transaction or\nactivity which is illegal under state or federal law.\n28. Governing Law. Except to the extent that federal law controls, this Agreement is controlled by the\nlaws of the State of Michigan.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. THIS NOTICE CONTAINS IMPORTANT\nINFORMATION ABOUT YOUR RIGHTS AND OUR RESPONSIBILITIES UNDER THE FAIR CREDIT BILLING\nACT. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you need\nmore information about a transaction on your bill, write us on a separate sheet at the address listed on\nyour bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you\nthe first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve\nyour rights.\n\nZCU_UC_022_060220\n\nVisa Disclosure | 8\n\n\x0cVisa Disclosure\nAnnual Percentage Rate (APR for Purchases)\n\n7.75% Platinum Variable\n\n9.90% Platinum Fixed\n\n9.00% Classic Variable\n\n11.90% Classic Fixed\n\nYou understand that the terms of your account, including APRs, are subject\nto change. This means that the APRs for this offer are not guaranteed; APRs\nmay change to higher APRs or fixed APRs may change to variable APRs. Any\nchanges will be in accordance with your Cardholder Agreement. The \xe2\x80\x9cIndex\xe2\x80\x9d\nis the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d of interest appearing in the Money Rate section of The Wall\nStreet Journal published on the last business day preceding the 16th day of\neach month.\nOther APRs\n\n7.75% Platinum Variable / 9.90% Platinum Fixed\n9.00% Classic Variable / 11.90% Classic Fixed\n\nBalance Transfer APR\n\n7.75% Platinum Variable / 9.90% Platinum Fixed\n9.00% Classic Variable / 11.90% Classic Fixed\n\nCash Advance APR\n\nYou understand that the terms of your account, including APRs, are subject\nto change. This means that the APRs for this offer are not guaranteed; APRs\nmay change to higher APRs or fixed APRs may change to variable APRs. Any\nchanges will be in accordance with your Cardholder Agreement. The \xe2\x80\x9cIndex\xe2\x80\x9d\nis the\n\xe2\x80\x9cPrime Rate\xe2\x80\x9d of interest appearing in the Money Rate section of The Wall\nStreet Journal published on the last business day preceding the 16th day of\neach month.\nPenalty APR and When it Applies\n\n18.00% Platinum Variable and Fixed / Classic Variable and Fixed\nThe Penalty Rate APR may be applied to your account if either of the following two situations occurs:\n(a) your Account is 30 days past due on two separate occasions in a rolling\nsix month period; or\n(b) your Account is 60 days past due;\nWe may impose a higher monthly Periodic Rate and corresponding Annual\nPercentage Rate (a \xe2\x80\x9cPenalty Rate\xe2\x80\x9d) to all outstanding balances in your\nAccount. The Penalty Rate is a monthly Periodic Rate of 1.50% with a\ncorresponding Annual Percentage Rate of 18.00%. The Penalty Rate will\ntake effect on the first day of the Billing Cycle and will apply to all of your\noutstanding and any new Purchase and Cash Advance balances. Interest rate\nchanges will be reflected on your periodic statement.\n\nVariable Rate Information based on Wall St. Journal Prime Rate\n\nAPR will vary based on the Prime Rate\n\nGrace Period for Repayment\n\nAt least 25 days if previous total balance is paid in full by the payment date\n\nAnnual Fee\n\nNone\n\nMinimum Finance Charge\n\nNone\n\nTransaction Fee for Purchases\n\nNone\n\nTransaction Fee for ATM Advances\n\nNone\n\nReturn Check Fee\n\n$25.00\n\nOver Limit Fee\n\n$25.00\n\nLate Payment Fee\n\n$25.00\n\nBalance Transfer Fee\n\nNo Balance Transfer Fee\n\nFor credit card tips from the Consumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/credit-cards/.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\nA one time $2 membership fee is required to be a member at Zeal Credit Union. Membership is required to receive a Visa Credit Card from Zeal\nCredit Union. You understand that if based upon our review you do not qualify for the Platinum Card, you will be considered for the Classic card\nwith the same Terms and Conditions. The information listed above is correct as of 3/19/2020 and is subject to change at any time without prior\nnotice. To receive the most recent information, please contact Zeal Credit Union at 1-800-321-8570 or write to Zeal Credit Union, PO Box 51700,\nLivonia, Michigan 48151-5700.\nZCU_UC_022_060220\n\nVisa Disclosure | 9\n\n\x0c'


b'Cardmember Agreement: Part 1 of 2\n\xc2\xae\n\nThe Centurion Card from American Express\nIssuer: American Express Travel Related Services Company, Inc.\n\nFees Table\nFees\nInitiation Fee\nAnnual Membership Fee\nTransaction Fees\n\xe2\x97\x8f Foreign Transaction\nPenalty Fees\n\xe2\x97\x8f Late Payment\n\xe2\x97\x8f\n\nReturned Payment\n\nCMAEUAOT0000002\n\n$5,000\n$3,000\nNone\nUp to $40.\nUp to $40.\n\nPage 1 of 2\n\nAs of: 06/30/2021\n\n\x0cHow Fees Work\nFees\n\nAnnual Membership\nLate Payment\n\nThis fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for 1 additional\nCenturion Card, we will charge $1,500 for each additional Centurion Card thereafter.\nUp to $40. If you do not pay the Amount Due on a billing statement by the Payment Due Date,\nthe fee is $29. If this happens again within the next 6 consecutive billing periods, the fee is $40\ninstead. However, the late fee will not exceed the Amount Due.\n\nReturned Payment\n\nUp to $40. If you make a payment that is returned unpaid the first time we present it to your\nbank, the fee is $29. If you do this again within the same billing period or the next 6 billing\nperiods, the fee is $40. However, the returned payment fee will not exceed the Amount Due.\n\nReturned Check\n\n$38 if you use your card to cash a check at one of our approved locations and the check is returned\nunpaid. We will also charge you the unpaid amount.\nNone\n\nForeign Transaction\n\nPart 1, Part 2 and any supplements or amendments make up your Cardmember Agreement.\n\nCMAEUFEEPAPR115\n\nPage 2 of 2\n\n\x0cFDR 1122676\n\nCardmember Agreement: Part 2 of 2\n\nDoc 27313\n\nHow Your American Express Account Works\nIntroduction\nAbout your Cardmember\nAgreement\n\nThis document together with Part 1 make up\nthe Cardmember Agreement (Agreement) for\nthe Account identified on page 1 of Part 1. Any\nsupplements or amendments are also part\n\nof the Agreement. When you use the Account (or\nyou sign or keep the card), you agree to the terms\nof the Agreement.\n\nChanging the Agreement\n\nWe may change this Agreement, subject to\napplicable law. We may do this in response to\nthe business, legal or competitive environment.\nThis written Agreement is a final expression of the\nagreement governing the Account. The written\nAgreement may not be contradicted by any alleged\noral agreement.\n\nChanges to some terms may require 45 days\nadvance notice, and we will tell you in the notice if\nyou have the right to reject a change. We cannot\nchange certain terms during the first year of your\nCardmembership.\n\nWords we use in the Agreement\n\nWe, us, and our mean the issuer shown on page\n1 of Part 1. You and your mean the person who\napplied for this Account and for whom we opened\nthe Account. You and your also mean anyone\nwho agrees to pay for this Account. You are the\nBasic Cardmember. You may request a card for\nan Additional Cardmember (see About Additional\nCardmembers below).\n\nCard means any card or other device that we issue\nto access your Account. A charge is any amount\nadded to your Account, such as purchases and\nfees. A purchase is a charge for goods or services.\nTo pay by a certain date means to send your\npayment so that we receive it and credit it to your\nAccount by that date (see About your payments\nbelow).\n\nAbout your card\nEligibility\n\nEligibility for your Account is limited to residents of Latin America and the Caribbean, excluding Puerto\nRico and the United States Virgin Islands.\n\nChanging residence\n\nYou must notify us immediately if you change your residence to a country outside of Latin America and\nthe Caribbean, excluding Puerto Rico and the United States Virgin Islands.\nWe may cancel your Account if we determine that you no longer reside in Latin America and the\nCaribbean, excluding Puerto Rico and the United States Virgin Islands.\n\nAbout using your card\nUsing the card\n\nYou may use the card to make purchases. You\nmay also use the card at an ATM to get cash from\na checking account you designate.\nWe decide whether to approve a charge based on\nhow you spend and pay on this Account and other\naccounts you have with us and our affiliates. We\nalso consider your credit history and your personal\nresources that we know about.\nYou may arrange for certain merchants and third\nparties to store your card number and expiration\ndate, so that, for example:\n\nWe may (but are not required to) tell these\nmerchants and third parties if your expiration date\nor card number changes or if your account status\nis updated, including if your account is cancelled. If\nyou do not want us to share your updated account\ninformation, please contact us using the number on\nthe back of your card.\nKeep your card safe and don\'t let anyone else use\nit. If your card is lost or stolen or your Account is\nbeing used without your permission, contact\nus right away. You may not use your Account for\nillegal activities.\n\n\xe2\x80\xa2 the merchant may charge your account at\nregular intervals; or\n\xe2\x80\xa2 you may make charges using that stored card\ninformation.\n\nPromise to pay\n\nDeclined transactions\n\nVersion 1122676\n\nYou promise to pay all charges, including:\n\xe2\x80\xa2 charges you make, even if you do not present your card or sign for the transaction,\n\xe2\x80\xa2 charges that other people make if you let them use your Account,\n\xe2\x80\xa2 charges that Additional Cardmembers make or permit others to make, and\n\xe2\x80\xa2 any amounts guaranteed by the use of the card.\nWe may decline to authorize a charge. Reasons\nWe are not responsible for any losses you incur\nwe may do this include suspected fraud and our\nif we do not authorize a charge. And we are not\nassessment of your creditworthiness. This may\nresponsible if any merchant refuses to accept the\noccur even if your Account is not in default.\ncard.\n\nPage 1 of 5\n\n\x0cAbout Additional Cardmembers\n\nAt your request, we may issue cards to Additional\nCardmembers. They do not have accounts with us\nbut they can use your Account subject to the terms\nof this Agreement. We may report an Additional\nCardmember\'s use of your Account to credit\nreporting agencies.\nYou are responsible for all use of your Account by\nAdditional Cardmembers and anyone they allow\nto use your Account. You must pay for all charges\nthey make.\nYou authorize us to give Additional Cardmembers\ninformation about your Account and to discuss it\nwith them.\n\nIf you want to cancel an Additional Cardmember\'s\nright to use your Account (and cancel their card)\nyou must tell us.\nIf an Annual Membership fee applies for an\nAdditional Card, please refer to the refund policy\ndisclosed in the Closing your Account sub-section\nof your Cardmember Agreement. If a single\nAnnual Membership fee applies for a group of\nAdditional Cards on your Account, this policy\nwill apply when you cancel the first or oldest\nAdditional Card. If an Annual Membership fee\napplies to Additional Cards on your Account, it is\nshown on page 2 of Part 1 of the Cardmember\nAgreement.\n\nAbout your payments\nWhen you must pay\n\nYou must pay no later than the Payment Due Date\nto avoid a late payment fee. Each statement also\nstates the time and manner by which you must\nmake your payment for it to be credited as of the\nsame day it is received.\n\nEach statement also shows a Closing Date. The\nClosing Date is the last day of the billing period\ncovered by the statement. Each Closing Date\nis about 30 days after the previous statement \'s\nClosing Date.\n\nHow to make payments\n\nMake payments to us in U.S. dollars with:\n\xe2\x80\xa2 a single check drawn on a U.S. bank, or\n\xe2\x80\xa2 a single negotiable instrument clearable through\nthe U.S. banking system, for example a money\norder, or\n\xe2\x80\xa2 an electronic payment that can be cleared\nthrough the U.S. banking system.\n\nyour billing statement. If we receive it after that\ntime, we will credit the payment on the day after\nwe receive it.\n\nWhen making a payment by mail:\n\xe2\x80\xa2 make a separate payment for each Account,\n\xe2\x80\xa2 mail your payment to the address shown on the\npayment coupon on the billing statement, and\n\xe2\x80\xa2 write the Account number on your check or\nnegotiable instrument and include the payment\ncoupon.\nIf your payment meets the above requirements, we\nwill credit it to the Account as of the day we receive\nit, as long as we receive it by the time disclosed in\n\nHow we apply payments and credits\n\nIf your payment does not meet the above\nrequirements, there may be a delay in crediting\nthe Account. This may result in late fees (see\nHow Fees Work on page 2 of Part 1).\nWe will not accept a payment made in a foreign\ncurrency or a payment drawn on an account at a\nbank located outside of the U.S.\nIf we process a late payment, a partial payment,\nor a payment marked with any restrictive\nlanguage, that will have no effect on our rights\nand will not change this Agreement.\n\nSubject to applicable law, we will apply payments and credits among charges in any order we choose.\n\nOther important information\nConverting charges made in a\nforeign currency\n\nIf you make a charge in a foreign currency, we will convert it into U.S. dollars on the date we or our\nagents process it. Unless a particular rate is required by law, we will choose a conversion rate that is\nacceptable to us for that date. The rate we use is no more than the highest official rate published by a\ngovernment agency or the highest interbank rate we identify from customary banking sources on the\nconversion date or the prior business day. This rate may differ from rates that are in effect on the date of\nyour charge. We will bill charges converted by establishments (such as airlines) at the rates they use.\n\nChanging your billing address\n\nYou must notify us immediately if you change the:\n\xe2\x80\xa2 mailing address to which we send billing\nstatements; or\n\xe2\x80\xa2 e-mail address to which we send notice that your\nbilling statement is available online.\n\nClosing your Account\n\nIf you have more than one account, you need to\nnotify us separately for each account.\nWe may update your billing address if we receive\ninformation that it has changed or is incorrect.\n\nYou may close your Account by calling us or writing to us.\nIf an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily\nclosing your Account within 30 days of the Closing Date of the billing statement on which that fee\nappears. For cancellations after this 30 day period, the Annual Membership fee is non-refundable. If\nan Annual Membership fee applies to your Account, it is shown on page 1 and page 2 of Part 1 of the\nCardmember Agreement.\n\nCancelling or suspending your\nAccount\n\nWe may:\n\xe2\x80\xa2 cancel your Account,\n\xe2\x80\xa2 suspend the ability to make charges,\n\xe2\x80\xa2 cancel or suspend any feature on your Account,\nand\n\xe2\x80\xa2 notify merchants that your Account has been\ncancelled or suspended.\nIf we do any of these, you must still pay us for all\ncharges under the terms of this Agreement.\n\nVersion 1122676\n\nPage 2 of 5\n\nWe may do any of these things at our discretion,\neven if you pay on time and your Account is not in\ndefault.\nIf your Account is cancelled, you must destroy\nyour cards.\nWe may agree to reinstate your Account after a\ncancellation. If we do this, we may:\n\xe2\x80\xa2 reinstate any additional cards issued on your\nAccount,\n\xe2\x80\xa2 charge you any applicable annual fees, and\n\xe2\x80\xa2 charge you a fee for reinstating the Account.\n\n\x0cAbout default\n\nCollection costs\nCredit reports\n\nSending you notices\nWe may contact you\n\nAbout insurance products\n\nWe may consider your Account to be in default if:\nIf we consider your Account in default, we may:\n\xe2\x80\xa2 suspend your ability to make charges, and\n\xe2\x80\xa2 you violate a provision of this Agreement,\n\xe2\x80\xa2 cancel or suspend any feature on your\n\xe2\x80\xa2 you give us false information,\nAccount.\n\xe2\x80\xa2 you file for bankruptcy,\n\xe2\x80\xa2 you default under another agreement you have\nwith us or an affiliate,\n\xe2\x80\xa2 you become incapacitated or die, or\n\xe2\x80\xa2 we believe you are unable or unwilling to pay\nyour debts when due.\nYou agree to pay all reasonable costs, including attorneys\' fees, that we incur to collect amounts you\nowe.\nYou agree that we will obtain credit reports about you, investigate your ability to pay, and obtain\ninformation about you from other sources including information to verify and re-verify your employment\nand income. And you agree that we will use such information for any purposes (for example, marketing to\nyou or evaluating you for a new account), subject to applicable law.\nYou agree that we will give information about the Account to credit reporting agencies. We will tell a credit\nreporting agency if you fail to comply with any term of this Agreement. This may have a negative impact\non your credit report.\nIf you believe information we have given to a credit reporting agency is incorrect, write to us at: American\nExpress Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the\nspecific information you believe is incorrect.\nWe mail you notices through the U.S. mail, postage prepaid, and address them to you at the latest billing\naddress on our records. Any notice that we send you this way is deemed to be given when deposited in\nthe U.S. mail.\nServicing and Collections\nIf we need to contact you to service your account or to collect amounts you owe, you authorize us (and\nour affiliates, agents and contractors, such as debt collection agencies and service providers) to contact\nyou at any phone number or email address you provide, from which you contact us, or at which we\nbelieve we can reach you. We may contact you in any way, such as calling, texting, emailing, sending\nmobile application push notifications or using any other method of communication permitted by law. We\nmay contact you using an automated dialer or prerecorded messages. We may contact you on a mobile,\nwireless or similar device, even if you are charged for it.\nCall monitoring\nWe may monitor and record any calls between you and us.\nWe or our affiliates may tell you about insurance and non-insurance products, services or features that\nmay have a fee. One of our affiliates may act on behalf of a provider of these products. The affiliate may\nbe compensated for this. The insurance products are not offered or sold by us or on our behalf. Our\naffiliates may get additional compensation when AMEX Assurance Company or another affiliate is the\ninsurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you\nabout.\nWe may share information about you with our affiliates so they can identify products that may interest\nyou. We may be compensated for this information.\n\nHow we handle electronic debits\nfrom your checking account\n\nPrivacy Act of 1974 notice\n\nChange the benefits\nAssigning the Agreement\nAssigning claims\n\nWe do not waive our rights\nGoverning law\n\nVersion 1122676\n\nWhen you pay us by check, you authorize us to\nIf we do this, your payment may be deducted from\nelectronically deduct the amount from your bank or\nyour bank or other asset account on the same\nother asset account.\nday we receive your check. Also, you will not\nWe may process the check electronically by\nreceive that cancelled check with your bank or\ntransmitting to your financial institution:\nasset account billing statement.\n\xe2\x80\xa2 the amount,\nIf we cannot collect the funds electronically, we\n\xe2\x80\xa2 the routing number,\nmay issue a draft against your bank or other asset\nthe\naccount\nnumber,\nand\n\xe2\x80\xa2\naccount for the amount of the check.\n\xe2\x80\xa2 the check serial number.\nSome federal agencies may accept the card under authority of statute. When you make charges at these\nagencies, we collect certain charge information. That information may be put to routine uses, such as\nprocessing, billing and collections. It may also be aggregated for reporting, analysis and marketing use.\nOther routine uses by agencies may be published in the Federal Register.\nWe have the right to add, modify or delete any benefit or service of your Account at our discretion.\nWe may sell, transfer or assign this Agreement and your Account. We may do so at any time without\nnotifying you. You may not sell, assign or transfer your Account or any of your obligations under this\nAgreement.\nIf you dispute a charge with a merchant, we may\nYou agree that you will not pursue any claim\ncredit the Account for all or part of the disputed\nagainst the merchant for the credited amount.\ncharge. If we do so, you assign and transfer to us\nAnd you must cooperate with us if we decide to\nall rights and claims (excluding tort claims) against\ndo so.\nthe merchant.\nWe may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not\nwaive our rights to exercise or enforce them on any other occasion.\nNew York law and federal law govern this\nWe are located in New York. We hold your\nAgreement and your Account. They govern without\nAccount in New York. We entered into this\nregard to internal principles of conflicts of law.\nAgreement with you in New York.\n\nPage 3 of 5\n\n\x0cClaims Resolution\nMost customer concerns can be resolved by\ncalling our Customer Service Department at the\nnumber listed on the back of your card. In the\nevent Customer Service is unable to resolve\na complaint to your satisfaction, this section\nexplains how claims can be resolved through\nmediation, arbitration or litigation. It includes\nan arbitration provision. You may reject the\narbitration provision by sending us written\nnotice within 45 days after your first card\npurchase. See Your Right to Reject Arbitration\nbelow.\nFor this section, you and us includes any\ncorporate parents, subsidiaries, affiliates or\nrelated persons or entities. Claim means any\ncurrent or future claim, dispute or controversy\nrelating to your Account(s), this Agreement, or\nany agreement or relationship you have or had\nwith us, except for the validity, enforceability\nor scope of the Arbitration provision. Claim\nincludes but is not limited to: (1) initial claims,\ncounterclaims, crossclaims and third-party claims;\n(2) claims based upon contract, tort, fraud,\nstatute, regulation, common law and equity;\n(3) claims by or against any third party using\nor providing any product, service or benefit in\nconnection with any account; and (4) claims that\narise from or relate to (a) any account created\nunder any of the agreements, or any balances on\nany such account, (b) advertisements, promotions\nor statements related to any accounts, goods or\nservices financed under any accounts or terms\nof financing, (c) benefits and services related\nto card membership (including fee-based or\nfree benefit programs, enrollment services and\nrewards programs) and (d) your application for\nany account. You may not sell, assign or transfer\na claim.\nSending a Claim Notice\nBefore beginning a lawsuit, mediation or\narbitration, you and we agree to send a written\nnotice (a claim notice) to each party against\nwhom a claim is asserted, in order to provide\nan opportunity to resolve the claim informally or\nthrough mediation. Go to americanexpress.com/\nclaim for a sample claim notice. The claim notice\nmust describe the claim and state the specific\nrelief demanded. Notice to you may be provided\nby your billing statement or sent to your billing\naddress. Notice to us must include your name,\naddress and Account number and be sent to\nAmerican Express ADR c/o CT Corporation\nSystem, 28 Liberty Street, New York, New York\n10005. If the claim proceeds to arbitration, the\namount of any relief demanded in a claim notice\nwill not be disclosed to the arbitrator until after the\narbitrator rules.\nMediation\nIn mediation, a neutral mediator helps parties\nresolve a claim. The mediator does not decide the\nclaim but helps parties reach agreement.\nBefore beginning mediation, you or we must\nfirst send a claim notice. Within 30 days after\nsending or receiving a claim notice, you or we\nmay submit the claim to JAMS (1-800-352-5267,\njamsadr.com) or the American Arbitration\nAssociation ("AAA") (1-800-778-7879, adr.org) for\nmediation. We will pay the fees of the mediator.\nAll mediation-related communications are\nconfidential, inadmissible in court and not subject\nto discovery.\n\nVersion 1122676\n\nAll applicable statutes of limitation will be tolled\nfrom the date you or we send the claim notice\nuntil termination of the mediation. Either you or\nwe may terminate the mediation at any time.\nThe submission or failure to submit a claim to\nmediation will not affect your or our right to elect\narbitration.\n\nsimilarly situated.\n\nArbitration\nYou or we may elect to resolve any claim by\nindividual arbitration. Claims are decided by a\nneutral arbitrator.\nIf arbitration is chosen by any party, neither\nyou nor we will have the right to litigate that\nclaim in court or have a jury trial on that\nclaim. Further, you and we will not have\nthe right to participate in a representative\ncapacity or as a member of any class\npertaining to any claim subject to arbitration.\nArbitration procedures are generally simpler\nthan the rules that apply in court, and\ndiscovery is more limited. The arbitrator\'s\nauthority is limited to claims between you\nand us alone. Claims may not be joined\nor consolidated unless you and we agree\nin writing. An arbitration award and any\njudgment confirming it will apply only to\nthe specific case and cannot be used in any\nother case except to enforce the award. The\narbitrator\'s decisions are as enforceable\nas any court order and are subject to very\nlimited review by a court. Except as set forth\nbelow, the arbitrator\'s decision will be final\nand binding. Other rights you or we would\nhave in court may also not be available in\narbitration.\n\nArbitration Procedures\nThis Arbitration provision is governed by\nthe FAA. The arbitrator will apply applicable\nsubstantive law, statutes of limitations and\nprivileges. The arbitrator will not apply any\nfederal or state rules of civil procedure or\nevidence in matters relating to evidence\nor discovery. Subject to the Limitations on\nArbitration, the arbitrator may otherwise award\nany relief available in court. You and we agree\nthat the arbitration will be confidential. You\nand we agree that we will not disclose the\ncontent of the arbitration proceeding or its\noutcome to anyone, but you or we may notify\nany government authority of the claim as\npermitted or required by law.\n\nInitiating Arbitration\nBefore beginning arbitration, you or we must first\nsend a claim notice. Claims will be referred to\neither JAMS or AAA, as selected by the party\nelecting arbitration. Claims will be resolved\npursuant to this Arbitration provision and the\nselected organization\'s rules in effect when\nthe claim is filed, except where those rules\nconflict with this Agreement. If we choose the\norganization, you may select the other within\n30 days after receiving notice of our selection.\nContact JAMS or AAA to begin an arbitration\nor for other information. Claims also may be\nreferred to another arbitration organization if\nyou and we agree in writing or to an arbitrator\nappointed pursuant to section 5 of the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16 (FAA).\nWe will not elect arbitration for any claim you\nfile in small claims court, so long as the claim is\nindividual and pending only in that court. You or\nwe may otherwise elect to arbitrate any claim\nat any time unless it has been filed in court\nand trial has begun or final judgment has been\nentered. Either you or we may delay enforcing\nor not exercise rights under this Arbitration\nprovision, including the right to arbitrate a claim,\nwithout waiving the right to exercise or enforce\nthose rights.\nLimitations on Arbitration\nIf either party elects to resolve a claim by\narbitration, that claim will be arbitrated on\nan individual basis. There will be no right or\nauthority for any claims to be arbitrated on\na class action basis or on bases involving\nclaims brought in a purported representative\ncapacity on behalf of the general public,\nother cardmembers or other persons\nPage 4 of 5\n\nNotwithstanding any other provision and\nwithout waiving the right to appeal such\ndecision, if any portion of these Limitations on\nArbitration is deemed invalid or unenforceable,\nthen the entire Arbitration provision (other than\nthis sentence) will not apply.\n\nIf your claim is for $10,000 or less, you\nmay choose whether the arbitration will be\nconducted solely on the basis of documents,\nthrough a telephonic hearing, or by an inperson hearing. At any party\'s request, the\narbitrator will provide a brief written explanation\nof the award. The arbitrator\'s award will be\nfinal and binding, subject to each party\'s right\nto appeal as stated in this section and/or\nto challenge or appeal an arbitration award\npursuant to the FAA. To initiate an appeal, a\nparty must notify the arbitration organization\nand all parties in writing within 35 days\nafter the arbitrator\'s award is issued. The\narbitration organization will appoint a threearbitrator panel to decide anew, by majority\nvote based on written submissions, any aspect\nof the decision objected to. The appeal will\notherwise proceed pursuant to the arbitration\norganization\'s appellate rules. Judgment\nupon any award may be entered in any court\nhaving jurisdiction. At your election, arbitration\nhearings will take place in the federal judicial\ndistrict of your residence.\nArbitration Fees and Costs\nYou will be responsible for paying your share\nof any arbitration fees (including filing,\nadministrative, hearing or other fees), but only\nup to the amount of the filing fees you would\nhave incurred if you had brought a claim in\ncourt. We will be responsible for any additional\narbitration fees. At your written request, we\nwill consider in good faith making a temporary\nadvance of your share of any arbitration fees,\nor paying for the reasonable fees of an expert\nappointed by the arbitrator for good cause.\nAdditional Arbitration Awards\nIf the arbitrator rules in your favor for an\namount greater than any final offer we made\nbefore the final hearing in arbitration, the\narbitrator\'s award will include: (1) any money to\nwhich you are entitled, but in no case less than\n$5,000; and (2) any reasonable attorneys\' fees,\ncosts and expert and other witness fees.\nYour Right to Reject Arbitration\nYou may reject this Arbitration provision by\n\n\x0csending a written rejection notice to us at:\nAmerican Express, P.O. Box 981556, El Paso,\nTX 79998. Go to americanexpress.com/reject\nfor a sample rejection notice. Your rejection\nnotice must be mailed within 45 days after your\nfirst card purchase. Your rejection notice must\nstate that you reject the Arbitration provision and\ninclude your name, address, Account number\nand personal signature. No one else may sign\nthe rejection notice. If your rejection notice\ncomplies with these requirements, this Arbitration\nprovision and any other arbitration provisions\nin the cardmember agreements for any other\ncurrently open American Express accounts you\nhave will not apply to you, except for\n\nVersion 1122676\n\nCorporate Card accounts and any claims subject\nto pending litigation or arbitration at the time\nyou send your rejection notice. Rejection of\nthis Arbitration provision will not affect your\nother rights or responsibilities under this Claims\nResolution section or the Agreement. Rejecting\nthis Arbitration provision will not affect your\nability to use your card or any other benefit,\nproduct or service you may have with your\nAccount.\nContinuation\nThis section will survive termination of your\nAccount, voluntary payment of your Account\nbalance, any legal proceeding to collect a debt,\nany bankruptcy and any sale of your Account (in\n\nPage 5 of 5\n\nthe case of a sale, its terms will apply to\nthe buyer of your Account). If any portion\nof this Claims Resolution section, except\nas otherwise provided in the Limitations on\nArbitration subsection, is deemed invalid\nor unenforceable, it will not invalidate the\nremaining portions of this Claims Resolution\nsection.\n\n\x0c'


b'Cardmember Agreement: Part 1 of 2\n\xc2\xae\n\nThe American Express Card\nIssuer: American Express Travel Related Services Company, Inc.\n\nFees Table\nFees\nAnnual Membership Fee\nTransaction Fees\n\xe2\x97\x8f Foreign Transaction\nPenalty Fees\n\n$150\n2.7% of each transaction after conversion to US dollars.\n\n\xe2\x97\x8f\n\nLate Payment\n\nUp to $40.\n\n\xe2\x97\x8f\n\nReturned Payment\n\nUp to $40.\n\nCMAEUAOT0000002\n\nPage 1 of 2\n\nAs of: 06/30/2021\n\n\x0cHow Fees Work\nFees\n\nAnnual Membership\nLate Payment\n\nThis fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $40 for each additional\ncard.\nUp to $40. If you do not pay the Amount Due on a billing statement by the Payment Due Date,\nthe fee is $29. If this happens again within the next 6 consecutive billing periods, the fee is $40\ninstead. However, the late fee will not exceed the Amount Due.\n\nReturned Payment\n\nUp to $40. If you make a payment that is returned unpaid the first time we present it to your bank,\nthe fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee\nis $40. However, the returned payment fee will not exceed the Amount Due.\n\nReturned Check\n\n$38 if you use your card to cash a check at one of our approved locations and the check is returned\nunpaid. We will also charge you the unpaid amount.\n2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Converting charges made\nin a foreign currency in Part 2.\n\nForeign Transaction\n\nPart 1, Part 2 and any supplements or amendments make up your Cardmember Agreement.\n\nCMAEUFEEPAPR107\n\nPage 2 of 2\n\n\x0cFDR 1122676\n\nCardmember Agreement: Part 2 of 2\n\nDoc 27313\n\nHow Your American Express Account Works\nIntroduction\nAbout your Cardmember\nAgreement\n\nThis document together with Part 1 make up\nthe Cardmember Agreement (Agreement) for\nthe Account identified on page 1 of Part 1. Any\nsupplements or amendments are also part\n\nof the Agreement. When you use the Account (or\nyou sign or keep the card), you agree to the terms\nof the Agreement.\n\nChanging the Agreement\n\nWe may change this Agreement, subject to\napplicable law. We may do this in response to\nthe business, legal or competitive environment.\nThis written Agreement is a final expression of the\nagreement governing the Account. The written\nAgreement may not be contradicted by any alleged\noral agreement.\n\nChanges to some terms may require 45 days\nadvance notice, and we will tell you in the notice if\nyou have the right to reject a change. We cannot\nchange certain terms during the first year of your\nCardmembership.\n\nWords we use in the Agreement\n\nWe, us, and our mean the issuer shown on page\n1 of Part 1. You and your mean the person who\napplied for this Account and for whom we opened\nthe Account. You and your also mean anyone\nwho agrees to pay for this Account. You are the\nBasic Cardmember. You may request a card for\nan Additional Cardmember (see About Additional\nCardmembers below).\n\nCard means any card or other device that we issue\nto access your Account. A charge is any amount\nadded to your Account, such as purchases and\nfees. A purchase is a charge for goods or services.\nTo pay by a certain date means to send your\npayment so that we receive it and credit it to your\nAccount by that date (see About your payments\nbelow).\n\nAbout your card\nEligibility\n\nEligibility for your Account is limited to residents of Latin America and the Caribbean, excluding Puerto\nRico and the United States Virgin Islands.\n\nChanging residence\n\nYou must notify us immediately if you change your residence to a country outside of Latin America and\nthe Caribbean, excluding Puerto Rico and the United States Virgin Islands.\nWe may cancel your Account if we determine that you no longer reside in Latin America and the\nCaribbean, excluding Puerto Rico and the United States Virgin Islands.\n\nAbout using your card\nUsing the card\n\nYou may use the card to make purchases. You\nmay also use the card at an ATM to get cash from\na checking account you designate.\nWe decide whether to approve a charge based on\nhow you spend and pay on this Account and other\naccounts you have with us and our affiliates. We\nalso consider your credit history and your personal\nresources that we know about.\nYou may arrange for certain merchants and third\nparties to store your card number and expiration\ndate, so that, for example:\n\nWe may (but are not required to) tell these\nmerchants and third parties if your expiration date\nor card number changes or if your account status\nis updated, including if your account is cancelled. If\nyou do not want us to share your updated account\ninformation, please contact us using the number on\nthe back of your card.\nKeep your card safe and don\'t let anyone else use\nit. If your card is lost or stolen or your Account is\nbeing used without your permission, contact\nus right away. You may not use your Account for\nillegal activities.\n\n\xe2\x80\xa2 the merchant may charge your account at\nregular intervals; or\n\xe2\x80\xa2 you may make charges using that stored card\ninformation.\n\nPromise to pay\n\nDeclined transactions\n\nVersion 1122676\n\nYou promise to pay all charges, including:\n\xe2\x80\xa2 charges you make, even if you do not present your card or sign for the transaction,\n\xe2\x80\xa2 charges that other people make if you let them use your Account,\n\xe2\x80\xa2 charges that Additional Cardmembers make or permit others to make, and\n\xe2\x80\xa2 any amounts guaranteed by the use of the card.\nWe may decline to authorize a charge. Reasons\nWe are not responsible for any losses you incur\nwe may do this include suspected fraud and our\nif we do not authorize a charge. And we are not\nassessment of your creditworthiness. This may\nresponsible if any merchant refuses to accept the\noccur even if your Account is not in default.\ncard.\n\nPage 1 of 5\n\n\x0cAbout Additional Cardmembers\n\nAt your request, we may issue cards to Additional\nCardmembers. They do not have accounts with us\nbut they can use your Account subject to the terms\nof this Agreement. We may report an Additional\nCardmember\'s use of your Account to credit\nreporting agencies.\nYou are responsible for all use of your Account by\nAdditional Cardmembers and anyone they allow\nto use your Account. You must pay for all charges\nthey make.\nYou authorize us to give Additional Cardmembers\ninformation about your Account and to discuss it\nwith them.\n\nIf you want to cancel an Additional Cardmember\'s\nright to use your Account (and cancel their card)\nyou must tell us.\nIf an Annual Membership fee applies for an\nAdditional Card, please refer to the refund policy\ndisclosed in the Closing your Account sub-section\nof your Cardmember Agreement. If a single\nAnnual Membership fee applies for a group of\nAdditional Cards on your Account, this policy\nwill apply when you cancel the first or oldest\nAdditional Card. If an Annual Membership fee\napplies to Additional Cards on your Account, it is\nshown on page 2 of Part 1 of the Cardmember\nAgreement.\n\nAbout your payments\nWhen you must pay\n\nYou must pay no later than the Payment Due Date\nto avoid a late payment fee. Each statement also\nstates the time and manner by which you must\nmake your payment for it to be credited as of the\nsame day it is received.\n\nEach statement also shows a Closing Date. The\nClosing Date is the last day of the billing period\ncovered by the statement. Each Closing Date\nis about 30 days after the previous statement \'s\nClosing Date.\n\nHow to make payments\n\nMake payments to us in U.S. dollars with:\n\xe2\x80\xa2 a single check drawn on a U.S. bank, or\n\xe2\x80\xa2 a single negotiable instrument clearable through\nthe U.S. banking system, for example a money\norder, or\n\xe2\x80\xa2 an electronic payment that can be cleared\nthrough the U.S. banking system.\n\nyour billing statement. If we receive it after that\ntime, we will credit the payment on the day after\nwe receive it.\n\nWhen making a payment by mail:\n\xe2\x80\xa2 make a separate payment for each Account,\n\xe2\x80\xa2 mail your payment to the address shown on the\npayment coupon on the billing statement, and\n\xe2\x80\xa2 write the Account number on your check or\nnegotiable instrument and include the payment\ncoupon.\nIf your payment meets the above requirements, we\nwill credit it to the Account as of the day we receive\nit, as long as we receive it by the time disclosed in\n\nHow we apply payments and credits\n\nIf your payment does not meet the above\nrequirements, there may be a delay in crediting\nthe Account. This may result in late fees (see\nHow Fees Work on page 2 of Part 1).\nWe will not accept a payment made in a foreign\ncurrency or a payment drawn on an account at a\nbank located outside of the U.S.\nIf we process a late payment, a partial payment,\nor a payment marked with any restrictive\nlanguage, that will have no effect on our rights\nand will not change this Agreement.\n\nSubject to applicable law, we will apply payments and credits among charges in any order we choose.\n\nOther important information\nConverting charges made in a\nforeign currency\n\nIf you make a charge in a foreign currency, we will convert it into U.S. dollars on the date we or our\nagents process it. Unless a particular rate is required by law, we will choose a conversion rate that is\nacceptable to us for that date. The rate we use is no more than the highest official rate published by a\ngovernment agency or the highest interbank rate we identify from customary banking sources on the\nconversion date or the prior business day. This rate may differ from rates that are in effect on the date of\nyour charge. We will bill charges converted by establishments (such as airlines) at the rates they use.\n\nChanging your billing address\n\nYou must notify us immediately if you change the:\n\xe2\x80\xa2 mailing address to which we send billing\nstatements; or\n\xe2\x80\xa2 e-mail address to which we send notice that your\nbilling statement is available online.\n\nClosing your Account\n\nIf you have more than one account, you need to\nnotify us separately for each account.\nWe may update your billing address if we receive\ninformation that it has changed or is incorrect.\n\nYou may close your Account by calling us or writing to us.\nIf an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily\nclosing your Account within 30 days of the Closing Date of the billing statement on which that fee\nappears. For cancellations after this 30 day period, the Annual Membership fee is non-refundable. If\nan Annual Membership fee applies to your Account, it is shown on page 1 and page 2 of Part 1 of the\nCardmember Agreement.\n\nCancelling or suspending your\nAccount\n\nWe may:\n\xe2\x80\xa2 cancel your Account,\n\xe2\x80\xa2 suspend the ability to make charges,\n\xe2\x80\xa2 cancel or suspend any feature on your Account,\nand\n\xe2\x80\xa2 notify merchants that your Account has been\ncancelled or suspended.\nIf we do any of these, you must still pay us for all\ncharges under the terms of this Agreement.\n\nVersion 1122676\n\nPage 2 of 5\n\nWe may do any of these things at our discretion,\neven if you pay on time and your Account is not in\ndefault.\nIf your Account is cancelled, you must destroy\nyour cards.\nWe may agree to reinstate your Account after a\ncancellation. If we do this, we may:\n\xe2\x80\xa2 reinstate any additional cards issued on your\nAccount,\n\xe2\x80\xa2 charge you any applicable annual fees, and\n\xe2\x80\xa2 charge you a fee for reinstating the Account.\n\n\x0cAbout default\n\nCollection costs\nCredit reports\n\nSending you notices\nWe may contact you\n\nAbout insurance products\n\nWe may consider your Account to be in default if:\nIf we consider your Account in default, we may:\n\xe2\x80\xa2 suspend your ability to make charges, and\n\xe2\x80\xa2 you violate a provision of this Agreement,\n\xe2\x80\xa2 cancel or suspend any feature on your\n\xe2\x80\xa2 you give us false information,\nAccount.\n\xe2\x80\xa2 you file for bankruptcy,\n\xe2\x80\xa2 you default under another agreement you have\nwith us or an affiliate,\n\xe2\x80\xa2 you become incapacitated or die, or\n\xe2\x80\xa2 we believe you are unable or unwilling to pay\nyour debts when due.\nYou agree to pay all reasonable costs, including attorneys\' fees, that we incur to collect amounts you\nowe.\nYou agree that we will obtain credit reports about you, investigate your ability to pay, and obtain\ninformation about you from other sources including information to verify and re-verify your employment\nand income. And you agree that we will use such information for any purposes (for example, marketing to\nyou or evaluating you for a new account), subject to applicable law.\nYou agree that we will give information about the Account to credit reporting agencies. We will tell a credit\nreporting agency if you fail to comply with any term of this Agreement. This may have a negative impact\non your credit report.\nIf you believe information we have given to a credit reporting agency is incorrect, write to us at: American\nExpress Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the\nspecific information you believe is incorrect.\nWe mail you notices through the U.S. mail, postage prepaid, and address them to you at the latest billing\naddress on our records. Any notice that we send you this way is deemed to be given when deposited in\nthe U.S. mail.\nServicing and Collections\nIf we need to contact you to service your account or to collect amounts you owe, you authorize us (and\nour affiliates, agents and contractors, such as debt collection agencies and service providers) to contact\nyou at any phone number or email address you provide, from which you contact us, or at which we\nbelieve we can reach you. We may contact you in any way, such as calling, texting, emailing, sending\nmobile application push notifications or using any other method of communication permitted by law. We\nmay contact you using an automated dialer or prerecorded messages. We may contact you on a mobile,\nwireless or similar device, even if you are charged for it.\nCall monitoring\nWe may monitor and record any calls between you and us.\nWe or our affiliates may tell you about insurance and non-insurance products, services or features that\nmay have a fee. One of our affiliates may act on behalf of a provider of these products. The affiliate may\nbe compensated for this. The insurance products are not offered or sold by us or on our behalf. Our\naffiliates may get additional compensation when AMEX Assurance Company or another affiliate is the\ninsurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you\nabout.\nWe may share information about you with our affiliates so they can identify products that may interest\nyou. We may be compensated for this information.\n\nHow we handle electronic debits\nfrom your checking account\n\nPrivacy Act of 1974 notice\n\nChange the benefits\nAssigning the Agreement\nAssigning claims\n\nWe do not waive our rights\nGoverning law\n\nVersion 1122676\n\nWhen you pay us by check, you authorize us to\nIf we do this, your payment may be deducted from\nelectronically deduct the amount from your bank or\nyour bank or other asset account on the same\nother asset account.\nday we receive your check. Also, you will not\nWe may process the check electronically by\nreceive that cancelled check with your bank or\ntransmitting to your financial institution:\nasset account billing statement.\n\xe2\x80\xa2 the amount,\nIf we cannot collect the funds electronically, we\n\xe2\x80\xa2 the routing number,\nmay issue a draft against your bank or other asset\nthe\naccount\nnumber,\nand\n\xe2\x80\xa2\naccount for the amount of the check.\n\xe2\x80\xa2 the check serial number.\nSome federal agencies may accept the card under authority of statute. When you make charges at these\nagencies, we collect certain charge information. That information may be put to routine uses, such as\nprocessing, billing and collections. It may also be aggregated for reporting, analysis and marketing use.\nOther routine uses by agencies may be published in the Federal Register.\nWe have the right to add, modify or delete any benefit or service of your Account at our discretion.\nWe may sell, transfer or assign this Agreement and your Account. We may do so at any time without\nnotifying you. You may not sell, assign or transfer your Account or any of your obligations under this\nAgreement.\nIf you dispute a charge with a merchant, we may\nYou agree that you will not pursue any claim\ncredit the Account for all or part of the disputed\nagainst the merchant for the credited amount.\ncharge. If we do so, you assign and transfer to us\nAnd you must cooperate with us if we decide to\nall rights and claims (excluding tort claims) against\ndo so.\nthe merchant.\nWe may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not\nwaive our rights to exercise or enforce them on any other occasion.\nNew York law and federal law govern this\nWe are located in New York. We hold your\nAgreement and your Account. They govern without\nAccount in New York. We entered into this\nregard to internal principles of conflicts of law.\nAgreement with you in New York.\n\nPage 3 of 5\n\n\x0cClaims Resolution\nMost customer concerns can be resolved by\ncalling our Customer Service Department at the\nnumber listed on the back of your card. In the\nevent Customer Service is unable to resolve\na complaint to your satisfaction, this section\nexplains how claims can be resolved through\nmediation, arbitration or litigation. It includes\nan arbitration provision. You may reject the\narbitration provision by sending us written\nnotice within 45 days after your first card\npurchase. See Your Right to Reject Arbitration\nbelow.\nFor this section, you and us includes any\ncorporate parents, subsidiaries, affiliates or\nrelated persons or entities. Claim means any\ncurrent or future claim, dispute or controversy\nrelating to your Account(s), this Agreement, or\nany agreement or relationship you have or had\nwith us, except for the validity, enforceability\nor scope of the Arbitration provision. Claim\nincludes but is not limited to: (1) initial claims,\ncounterclaims, crossclaims and third-party claims;\n(2) claims based upon contract, tort, fraud,\nstatute, regulation, common law and equity;\n(3) claims by or against any third party using\nor providing any product, service or benefit in\nconnection with any account; and (4) claims that\narise from or relate to (a) any account created\nunder any of the agreements, or any balances on\nany such account, (b) advertisements, promotions\nor statements related to any accounts, goods or\nservices financed under any accounts or terms\nof financing, (c) benefits and services related\nto card membership (including fee-based or\nfree benefit programs, enrollment services and\nrewards programs) and (d) your application for\nany account. You may not sell, assign or transfer\na claim.\nSending a Claim Notice\nBefore beginning a lawsuit, mediation or\narbitration, you and we agree to send a written\nnotice (a claim notice) to each party against\nwhom a claim is asserted, in order to provide\nan opportunity to resolve the claim informally or\nthrough mediation. Go to americanexpress.com/\nclaim for a sample claim notice. The claim notice\nmust describe the claim and state the specific\nrelief demanded. Notice to you may be provided\nby your billing statement or sent to your billing\naddress. Notice to us must include your name,\naddress and Account number and be sent to\nAmerican Express ADR c/o CT Corporation\nSystem, 28 Liberty Street, New York, New York\n10005. If the claim proceeds to arbitration, the\namount of any relief demanded in a claim notice\nwill not be disclosed to the arbitrator until after the\narbitrator rules.\nMediation\nIn mediation, a neutral mediator helps parties\nresolve a claim. The mediator does not decide the\nclaim but helps parties reach agreement.\nBefore beginning mediation, you or we must\nfirst send a claim notice. Within 30 days after\nsending or receiving a claim notice, you or we\nmay submit the claim to JAMS (1-800-352-5267,\njamsadr.com) or the American Arbitration\nAssociation ("AAA") (1-800-778-7879, adr.org) for\nmediation. We will pay the fees of the mediator.\nAll mediation-related communications are\nconfidential, inadmissible in court and not subject\nto discovery.\n\nVersion 1122676\n\nAll applicable statutes of limitation will be tolled\nfrom the date you or we send the claim notice\nuntil termination of the mediation. Either you or\nwe may terminate the mediation at any time.\nThe submission or failure to submit a claim to\nmediation will not affect your or our right to elect\narbitration.\n\nsimilarly situated.\n\nArbitration\nYou or we may elect to resolve any claim by\nindividual arbitration. Claims are decided by a\nneutral arbitrator.\nIf arbitration is chosen by any party, neither\nyou nor we will have the right to litigate that\nclaim in court or have a jury trial on that\nclaim. Further, you and we will not have\nthe right to participate in a representative\ncapacity or as a member of any class\npertaining to any claim subject to arbitration.\nArbitration procedures are generally simpler\nthan the rules that apply in court, and\ndiscovery is more limited. The arbitrator\'s\nauthority is limited to claims between you\nand us alone. Claims may not be joined\nor consolidated unless you and we agree\nin writing. An arbitration award and any\njudgment confirming it will apply only to\nthe specific case and cannot be used in any\nother case except to enforce the award. The\narbitrator\'s decisions are as enforceable\nas any court order and are subject to very\nlimited review by a court. Except as set forth\nbelow, the arbitrator\'s decision will be final\nand binding. Other rights you or we would\nhave in court may also not be available in\narbitration.\n\nArbitration Procedures\nThis Arbitration provision is governed by\nthe FAA. The arbitrator will apply applicable\nsubstantive law, statutes of limitations and\nprivileges. The arbitrator will not apply any\nfederal or state rules of civil procedure or\nevidence in matters relating to evidence\nor discovery. Subject to the Limitations on\nArbitration, the arbitrator may otherwise award\nany relief available in court. You and we agree\nthat the arbitration will be confidential. You\nand we agree that we will not disclose the\ncontent of the arbitration proceeding or its\noutcome to anyone, but you or we may notify\nany government authority of the claim as\npermitted or required by law.\n\nInitiating Arbitration\nBefore beginning arbitration, you or we must first\nsend a claim notice. Claims will be referred to\neither JAMS or AAA, as selected by the party\nelecting arbitration. Claims will be resolved\npursuant to this Arbitration provision and the\nselected organization\'s rules in effect when\nthe claim is filed, except where those rules\nconflict with this Agreement. If we choose the\norganization, you may select the other within\n30 days after receiving notice of our selection.\nContact JAMS or AAA to begin an arbitration\nor for other information. Claims also may be\nreferred to another arbitration organization if\nyou and we agree in writing or to an arbitrator\nappointed pursuant to section 5 of the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16 (FAA).\nWe will not elect arbitration for any claim you\nfile in small claims court, so long as the claim is\nindividual and pending only in that court. You or\nwe may otherwise elect to arbitrate any claim\nat any time unless it has been filed in court\nand trial has begun or final judgment has been\nentered. Either you or we may delay enforcing\nor not exercise rights under this Arbitration\nprovision, including the right to arbitrate a claim,\nwithout waiving the right to exercise or enforce\nthose rights.\nLimitations on Arbitration\nIf either party elects to resolve a claim by\narbitration, that claim will be arbitrated on\nan individual basis. There will be no right or\nauthority for any claims to be arbitrated on\na class action basis or on bases involving\nclaims brought in a purported representative\ncapacity on behalf of the general public,\nother cardmembers or other persons\nPage 4 of 5\n\nNotwithstanding any other provision and\nwithout waiving the right to appeal such\ndecision, if any portion of these Limitations on\nArbitration is deemed invalid or unenforceable,\nthen the entire Arbitration provision (other than\nthis sentence) will not apply.\n\nIf your claim is for $10,000 or less, you\nmay choose whether the arbitration will be\nconducted solely on the basis of documents,\nthrough a telephonic hearing, or by an inperson hearing. At any party\'s request, the\narbitrator will provide a brief written explanation\nof the award. The arbitrator\'s award will be\nfinal and binding, subject to each party\'s right\nto appeal as stated in this section and/or\nto challenge or appeal an arbitration award\npursuant to the FAA. To initiate an appeal, a\nparty must notify the arbitration organization\nand all parties in writing within 35 days\nafter the arbitrator\'s award is issued. The\narbitration organization will appoint a threearbitrator panel to decide anew, by majority\nvote based on written submissions, any aspect\nof the decision objected to. The appeal will\notherwise proceed pursuant to the arbitration\norganization\'s appellate rules. Judgment\nupon any award may be entered in any court\nhaving jurisdiction. At your election, arbitration\nhearings will take place in the federal judicial\ndistrict of your residence.\nArbitration Fees and Costs\nYou will be responsible for paying your share\nof any arbitration fees (including filing,\nadministrative, hearing or other fees), but only\nup to the amount of the filing fees you would\nhave incurred if you had brought a claim in\ncourt. We will be responsible for any additional\narbitration fees. At your written request, we\nwill consider in good faith making a temporary\nadvance of your share of any arbitration fees,\nor paying for the reasonable fees of an expert\nappointed by the arbitrator for good cause.\nAdditional Arbitration Awards\nIf the arbitrator rules in your favor for an\namount greater than any final offer we made\nbefore the final hearing in arbitration, the\narbitrator\'s award will include: (1) any money to\nwhich you are entitled, but in no case less than\n$5,000; and (2) any reasonable attorneys\' fees,\ncosts and expert and other witness fees.\nYour Right to Reject Arbitration\nYou may reject this Arbitration provision by\n\n\x0csending a written rejection notice to us at:\nAmerican Express, P.O. Box 981556, El Paso,\nTX 79998. Go to americanexpress.com/reject\nfor a sample rejection notice. Your rejection\nnotice must be mailed within 45 days after your\nfirst card purchase. Your rejection notice must\nstate that you reject the Arbitration provision and\ninclude your name, address, Account number\nand personal signature. No one else may sign\nthe rejection notice. If your rejection notice\ncomplies with these requirements, this Arbitration\nprovision and any other arbitration provisions\nin the cardmember agreements for any other\ncurrently open American Express accounts you\nhave will not apply to you, except for\n\nVersion 1122676\n\nCorporate Card accounts and any claims subject\nto pending litigation or arbitration at the time\nyou send your rejection notice. Rejection of\nthis Arbitration provision will not affect your\nother rights or responsibilities under this Claims\nResolution section or the Agreement. Rejecting\nthis Arbitration provision will not affect your\nability to use your card or any other benefit,\nproduct or service you may have with your\nAccount.\nContinuation\nThis section will survive termination of your\nAccount, voluntary payment of your Account\nbalance, any legal proceeding to collect a debt,\nany bankruptcy and any sale of your Account (in\n\nPage 5 of 5\n\nthe case of a sale, its terms will apply to\nthe buyer of your Account). If any portion\nof this Claims Resolution section, except\nas otherwise provided in the Limitations on\nArbitration subsection, is deemed invalid\nor unenforceable, it will not invalidate the\nremaining portions of this Claims Resolution\nsection.\n\n\x0c'