b'These documents are being provided to you for informational purposes only. There are two parts to our Cardholder\nAgreement: The Pricing Information Addendum and the Cardholder Agreement. The Pricing Information Addendum\nshows a range of terms that may be offered on new accounts. The terms that apply to you will differ depending on\nyour specific card offer. The Cardholder Agreement contains important information related to consumer credit cards\nissued by The Bank of Missouri. Pricing is accurate as of April 2021.\n\nPRICING INFORMATION ADDENDUM\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n22.74% to 36%, based on your creditworthiness.\n\nAPR tor Cash Advances\n\n25.74% to 36%, based on your creditworthiness.\n\nAPR for Balance Transfers\n\n25.74% to 36%, based on your creditworthiness.\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at www.consumerfinance.gov/learnmore.\n\nFees\n\n.\n.\n\xef\x82\xa7\n\nAnnual Fee\n\n$49 to $175; after that $0 to $49 annually.\n\nAccount Maintenance Fee\n\n$60 to $159 annually billed at $5 to $12.50 per month after the first year.\n\nAdditional Card Fee (Authorized\nUser)\n\n$25 annually (if applicable)\n\nTransaction Fees\n\xef\x82\xa7\n\nBalance Transfer\n\n\xef\x82\xa7\n\nCash Advance\n\n. Foreign Transaction\n\n3% of the amount of each transfer after the first year.\n\nEither $5 or 5% of the amount of each cash advance, whichever is\ngreater.\n3% of each transaction amount in U.S. dollars.\n\nPenalty Fees\n\xef\x82\xa7\n\nLate Payment\n\n\xef\x82\xa7\n\nReturned Payment\n\nUp to the maximum fee permitted under Section 12 C. F. R. \xc2\xa71026.52(b)(1)(ii) ($40 as\n\nof April 1, 2021). See monthly statement for current fee.\n\nUp to the maximum fee permitted under Section 12 C. F. R. \xc2\xa71026.52(b)(1)(ii) ($40 as\n\nof April1, 2021). See monthly statement for current fee.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including\ncurrent transactions)." See the additional terms and conditions in your Cardholder Agreement for more\ndetails.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nthe additional terms and conditions in your Cardholder Agreement.\nVariable Rate: If you have a variable rate APR, your APR will be calculated by adding a Margin of\n17.49% to 30.75% to the Prime Rate (the index rate). Variable rate APRs will vary with the market\nbased on the Prime Rate. As of April 2021 the Prime Rate (as defined in your Cardholder\nAgreement) was 5.25%.\nFixed Rate: If you have a fixed rate APR, your APR will not vary with the market.\nAdditional Card Fee(Authorized User): We will impose an Additional Card Fee (Authorized User) of\n$25 for each Authorized User that you name. The fee will be imposed annually for each Authorized\nUser.\nRequired Minimum Payment Calculation: Greater of (a)(i) 1% of your outstanding balance at the end of a\nbilling cycle or (ii) $25.00, plus (b) current interest and fees, plus (c) the greater of (i) any past due or (ii) any\namount by which your balance at the end of a billing cycle exceeds your credit limit (see Cardholder\nAgreement for more information on your minimum payment).\n\n\x0cCARDHOLDER AGREEMENT\n\nNY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT\nU.S. VIRGIN ISLANDS RESIDENTS PLEASE READ THIS: The provisions titled \xe2\x80\x9cUsing Your Account,\xe2\x80\x9d \xe2\x80\x9cDisputed Payments-Postdated\nChecks, Restrictive Endorsement Checks and Other Disputed or Qualified Payments,\xe2\x80\x9d \xe2\x80\x9cChanges in Terms,\xe2\x80\x9d \xe2\x80\x9cAssignment; Transfer,\xe2\x80\x9d\n\xe2\x80\x9cArbitration Provision\xe2\x80\x9d and \xe2\x80\x9cBilling Rights Notice\xe2\x80\x9d restrict or reduce your rights.\nMILITARY LENDING ACT DISCLOSURE: Federal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated\nwith credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than\ncertain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account). To hear disclosures related to the Military Lending Act, please call this toll-free number: 1-866-816-6994.\nCOVERED MILITARY BORROWERS: If you are a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as defined under the Military Lending Act, 10 U.S.C. \xc2\xa7 987, as amended, (i)\nthe \xe2\x80\x9cArbitration Provision,\xe2\x80\x9d (ii) any waiver of right to legal recourse under any state or federal law and (iii) any other provision in this Agreement that is\nnot enforceable against you under the Military Lending Act does not apply to you so long as you are a \xe2\x80\x9ccovered borrower.\xe2\x80\x9d\nGENERAL This Cardholder Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) governs the use of your revolving credit account (your \xe2\x80\x9cAccount\xe2\x80\x9d). In this Agreement and in\nyour monthly billing statement (\xe2\x80\x9cStatement\xe2\x80\x9d), \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d refer to The Bank of Missouri, including, as applicable, our successors,\nassignees and representatives. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cCardholder\xe2\x80\x9d refer to the person who applied and was approved for the Account and, as\nappropriate, all persons authorized to use the Account. \xe2\x80\x9cApplication\xe2\x80\x9d refers to any (i) written or electronic application or acceptance that you signed\nor otherwise submitted for this Account or (ii) oral request for credit and a Card, resulting in this Account. \xe2\x80\x9cCard\xe2\x80\x9d refers to any credit card, Account\nnumber or other credit access device (including any convenience check) that we issue to you. Your Application, any Card carrier that we send with\nyour Card and the accompanying Pricing Disclosure, any automatic payment plan form, any other written documents (including any electronic\nrecord) evidencing any transactions made under your Account, any notices that we send to you with your Agreement, any special credit terms\ndisclosures in the initial solicitation letter that we sent you including initial credit limit terms and any special credit terms or rewards terms separately\nor subsequently disclosed to you in writing, are part of and incorporated into this Agreement. Please read and keep these documents for your\nrecords. This Agreement begins on the earlier of (a) the date we finally approve your Application for credit or (b) the first date that we extend credit to\nyou or someone authorized by you on your Account. This Agreement includes an Agreement to Arbitrate Claims (see \xe2\x80\x9cArbitration Provision\xe2\x80\x9d\nbelow). Where the terms of this Agreement differ from any special terms that we offer to you in writing, the special terms offered will control, but all\nother terms of this Agreement will remain unchanged.\nACCEPTANCE OF THIS AGREEMENT Your activation of your Card, your use of the Account, or any payment made on the Account, evidences\nyour acceptance of the terms of this Agreement. In New York, this Agreement begins on the first date that you sign a sales slip or memorandum\nevidencing the purchase of goods or services.\nUSING YOUR ACCOUNT You can use your Card to purchase or lease goods or services (including mail, telephone and electronic orders) from\nparticipating establishments (each a \xe2\x80\x9cPurchase\xe2\x80\x9d) up to any credit limit we may establish for you (your \xe2\x80\x9cCredit Limit\xe2\x80\x9d). You can also use your Card to\nobtain a cash loan (\xe2\x80\x9cCash Advance\xe2\x80\x9d) by presenting your Card to any institution that accepts the Card for that purpose or by making a withdrawal of\ncash at an ATM. Transactions made with your Account for things like money orders, deposits, wire transfer money orders, travelers cheques,\nforeign currency and other similar transactions, will be treated as Cash Advances. From time to time, we may also permit you to obtain credit from\nus by making a payment to another creditor of yours (\xe2\x80\x9cBalance Transfer\xe2\x80\x9d) using forms or other means provided by us. Except as otherwise\nspecifically provided in this Agreement, a Balance Transfer generally is treated as a Cash Advance, but the fees that may be imposed at the time of\ntransfer may differ from those applicable to Cash Advances. You may use your Account only for personal, family, or household purposes. You may\nnot use your Card or your Account for any illegal transaction or any gambling transaction. We may decline transactions for any reason, including,\nbut not limited to, operational matters, default, or suspected fraudulent or unlawful activity. Transactions above a certain dollar amount may require\nauthorization by us before the transaction can be approved. We will not be liable for the failure to authorize credit because of operational difficulties\nor mistakes. We may limit the number and amount of transactions approved in one day for security reasons, without any liability to you. We are not\nresponsible for any losses associated with a declined transaction.\nAUTHORIZED USERS If you ask us to issue a Card to any other person and we agree to issue them a Card, they are an \xe2\x80\x9cAuthorized User\xe2\x80\x9d of your\nAccount and will be bound by the terms of this Agreement. We will impose an Additional Card Fee (Authorized User) to issue a Card to an\nAuthorized User as described below. See \xe2\x80\x9cFEES\xe2\x80\x9d section below. We may require certain information about them before issuing a Card. We may limit\ntheir ability to use their Card. You authorize them to have access to important information about your Account including available credit so that they\ncan use their card responsibly. You will be responsible for use of the Account by them and by anyone they allow to use your Account, even if you did\nnot want, or did not agree to, that use. If you want to remove an Authorized User from your Account, you must contact Customer Service and request\ntheir removal. You also must immediately destroy all Cards in their possession and cancel any transactions that they may have set up on your\nAccount before their removal. You will be responsible for transactions that they set up before they were removed even if these amounts do not\nappear on your Account until later. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove them\nfrom your Account for any reason. To remove them from your Account, we may choose to close your existing Account and issue you a new Account\nand replacement Card with a new number..\nREWARDS Your Account may provide you with the opportunity to earn rewards. If it does, we will separately provide you with information and terms\nabout the rewards.\nHONORING YOUR CARD We are not liable if a merchant, ATM or other institution does not honor your Card, or if your Card malfunctions.\nPROMISE TO PAY You agree to be bound by the terms and conditions of this Agreement. You promise to pay for all Purchases, Cash Advances,\nBalance Transfers and all other amounts owed to us under the terms of this Agreement. You promise to make all payments in U.S. dollars and to\nsubmit for payment of your Account only checks or other items drawn on U.S. financial institutions.\nYOUR CREDIT LIMIT You agree not to use and not to allow any Authorized User to use your Account in any way that would cause you to go over\nyour Credit Limit. We may refuse to authorize or accept any transaction on your Account that would cause you to exceed your Credit Limit. We may\nestablish different Credit Limits for different features of your Account in addition to a general (total) Credit Limit. If you exceed your Credit Limit, you\nmust pay us the excess amount promptly. We reserve the right not to increase your available credit by the amount of any payment received, for a\n\n\x0cperiod of up to four (4) business days from the date of receipt to provide for processing and verification. Processing speeds can vary depending on\nhow your payment is cleared.\nYour Account represents a continuing offer to extend further credit to you which may be withdrawn at any time. We reserve the right to change (to\nset, increase, decrease or remove) the Credit Limit for your Account from time to time in accordance with this Agreement and applicable law.\nCertain changes in your Credit Limit may occur without prior written notice to you and may be based upon factors including, but not limited to, antifraud policies and procedures, your record of making timely payments and staying within your established Credit Limit, your credit score and\ninformation contained in your credit report and your proper maintenance of any checking account used to make automatic payments, if applicable.\nIf approved for an Account, your initial Credit Limit(s) will appear on your Card carrier. Your current Credit Limit(s) can be found on your Statement\nor provided upon request. We do not accept Credit Limit increase requests.\nYou have the right to receive an answer to a written inquiry concerning the status of your Account.\nSPECIAL TERMS When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your Account.\nThese special terms may be limited to certain qualifying transactions. The period of time that special terms may be available may be limited.\nInformation specific to any special terms will be provided at the time of offer. If you accept a qualified solicitation offer or use your Account to enter\ninto a qualifying transaction, you will be deemed to have acknowledged and agreed to the special terms disclosed at the time of the offer, which\nterms may be modified or differ from the regular terms of this Agreement. No formal amendment of this Agreement will be necessary and all terms of\nthis Agreement will remain applicable except those inconsistent with the disclosed special terms of the offer. If at any time you fail to comply with the\nterms of this Agreement as modified by the special terms of an offer or are otherwise in default of any obligation you owe us, then we may, in our\nsole discretion, immediately terminate any special offer terms. We will notify you of the termination of any special terms if (and as) expressly required\nby law.\nDEFAULT Unless prohibited by applicable law, you will be in default under this Agreement if you: (i) do not make at least the Minimum Payment\nrequired from time to time on or before its Payment Due Date; (ii) exceed your Credit Limit without permission; (iii) tender a payment on your Account\nand your payment is returned to us unpaid or otherwise rejected for any reason; (iv) become subject to bankruptcy or insolvency proceedings;\n(v) become subject to attachment or garnishment proceedings; (vi) give us any misleading, false, incomplete or incorrect information or false or\nfraudulent signature; (vii) die; or (viii) fail to comply with any term of this Agreement or any other agreement that you have with us. Subject to any\nnotice of default and right to cure or other limitation of applicable law, if you are in default, we may, in addition to any other rights that we may have\nunder this Agreement: (i) reduce your Credit Limit or cancel your Account; (ii) require you to pay your entire Account balance (including accrued but\nunpaid interest and any other fees and charges provided for in this Agreement) immediately; and/or (iii) bring an action to collect all amounts owed.\nYou agree to pay, to the greatest extent not prohibited by law, our reasonable attorneys\xe2\x80\x99 fees and any collection costs and disbursements and court\nfees related to the collection of your Account.\nCANCELLATION We may cancel your Account, refuse to allow further transactions, offer credit on different terms or adjust the amount of credit\navailable to you at any time, with or without cause, subject to applicable limitations of law. We may terminate further transactions on your Account\nwithout notice if you change your address to a jurisdiction in which we do not make credit available at that time. You may close your Account by\nwriting to us at Account Services, P.O. Box 105555 Atlanta, GA 30348-5555. The terms of this Agreement will continue to apply to any balance that\nyou owe us until you have paid everything you owe, including any interest and fees due. Account cancellation may adversely affect your credit\nhistory.\nSTATEMENTS We will send you a Statement for each monthly billing cycle in which (i) the balance of your Account (including unpaid Purchases,\nCash Advances and any Balance Transfers, interest and other fees and charges) on the last day of that billing cycle (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) is greater\nthan $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any other activity on your Account; or (iv) as otherwise required by applicable\nlaw. Your Statement will show, among other things, the total minimum payment you must make during the billing cycle (the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d)\nand the date that the Minimum Payment is due (the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d).\nPAYMENT REQUIREMENTS AND CREDITING\nMinimum Payment You agree to pay at least the Minimum Payment shown on your Statement by the Payment Due Date shown on the Statement.\nYou may at any time pay off your entire balance in full or more than the Minimum Payment due without incurring any additional charge.\nWe reserve the right to change your Minimum Payment requirement from time to time. The Minimum Payment due each month will be an amount\nequal to the Required Minimum Payment Calculation disclosed in the accompanying Pricing Disclosure. If your New Balance is less than your\nMinimum Payment, your New Balance is due in full. You may at any time make additional payments withoutpenalty.\nAuthorization Agreement for Automatic Payments If you enrolled in the Automatic Payment Plan, you acknowledge and agree to the following:\n(1) You authorize us to initiate electronic funds transfers (EFTs) by debit entries drawn on the bank account, debit or credit card you have identified\nto us in your application for this Account or any other account that you identify to us from time to time (\xe2\x80\x9cBank Account\xe2\x80\x9d) in the amount of your\nrequired Minimum Payments or in any fixed amount that you specify, as modified by you from time to time. To avoid additional charges, in any\nmonth in which any designated fixed payment amount is less than your Minimum Payment due, you understand and agree that we may deduct or\nwithdraw your entire Minimum Payment rather than the designated fixed payment amount. If your New Balance is less than the fixed amount you\ndesignate, only the New Balance will be deducted. If you have a Deferred Interest Plan and you enroll in our Automatic Payment Plan, you\nwill need to make one or more additional payments by mail or by phone to avoid interest. See Deferred Interest Balances below. You have\nthe right to receive notice of all electronic fund transfers from your Bank Account that vary in amount, and by enrolling, you agree that your monthly\nstatement will serve as your notice of the amount of your monthly payment. You may change the amount to be deducted or withdrawn at any time.\nYour new monthly payment will be effective within 3 business days of our receipt of your instruction. (2) We will initiate authorized EFTs each month\non or after the Payment Due Date shown on your monthly statement. (3) You agree that in the event any debit is rejected or dishonored we may\nreinitiate the debit once. (4) You have provided us with all necessary information for the Bank Account that you wish us to debit and the Bank\nAccount on which the Automated Clearing House (ACH) debit is authorized, is a legitimate, open and active account. You agree to notify us\npromptly if this information changes. (5) The origination of ACH transactions must comply with the provisions of U.S. law. (6) Once enrolled,\nautomatic payments will continue until you notify us that you wish to terminate your enrollment in the Automatic Payment Plan, or until we terminate\nyour enrollment. You may terminate your enrollment by calling Customer Service at the telephone number shown on your monthly statement. You\nmust give any notice of termination in such a manner and sufficiently in advance to allow us and your financial institution a reasonable opportunity to\nact. We may terminate your enrollment if you fail to keep your Account or your Bank Account in good standing. Delinquency or closure of either\naccount, for any reason, may result in immediate termination of your enrollment in the Automatic Payment Plan. Also, if there are insufficient funds\nin your Bank Account to process any payment, your enrollment in the Automatic Payment Plan may be terminated immediately. (7) We are not\nresponsible for any fees that may be charged by your depository institution as the result of your participation in the Automatic Payment Plan. (8) You\nhave the right to review your accounts and to withdraw any privileges previously granted. (9) Participation in the Automatic Payment Plan is not a\nrequirement of continuing credit under your Account. Enrollment in the Automatic Payment Plan is optional.\n\n\x0cRight to Stop Payment and Procedure For Doing So: If you have scheduled monthly payments through the Automatic Payment Plan, you can tell\nus to stop any of these payments by calling Customer Service at the telephone number shown on your monthly statement, by sending an e-mail to\nservice@myfortiva.com or by writing to us at Customer Service--Automatic Payment Plan Department, P.O. Box 105555, Atlanta, GA 30348-5555. If\nyou send us an email or write to us, your request must reach us at least 3 business days before the scheduled Payment Due Date. If you call us, we\nmay require you to put your request in writing and to deliver your request to us within 14 days after you call. We may charge you a fee for each stop\npayment request that you give us. If you tell us to stop a payment at least 3 business days before the Payment Due Date and we do not stop\npayment, we will be liable for your losses or damages.\nAlternative Payment Methods If you know that we will be unable to process a scheduled automatic payment for any reason, then to avoid a late\npayment charge, you must promptly send a certified check or money order to the \xe2\x80\x9cPayment Address\xe2\x80\x9d shown on the front of your monthly statement,\nor, if offered, you may take advantage of any pay-by-phone or online payment service that we may make available to you from time to time. If you\nmake an alternative payment by postal mail or by pay-by-phone or online service while you are enrolled in an Automatic Payment Plan, we may treat\nsuch payment as an additional payment and process your next Automatic Payment Plan payment as scheduled or may reduce your next Automatic\nPayment Plan payment by the amount of any such additional payment received\nInstructions for Mailed Payments If you pay by check or other written instrument, all payments, except disputed amounts, must be mailed or\ndelivered to us at the address for payments shown on your monthly statement. Payments received at the address on the payment coupon by 5:00\np.m. Central Time, Monday through Friday (except legal holidays) will be credited to your Account as of the date received. Payments must be\nreceived with the payment coupon (bottom portion) of your statement in the enclosed return envelope. If payments are received at any other location\nor without your payment coupon, crediting of those payments to your Account may be delayed.\nNotice About Electronic Check Conversion. By providing a paper check as payment, you authorize us to use information from your check to\nmake a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use the information from\nyour check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and\nyou will not receive your check back from your financial institution.\nApplication of Payments Subject to the requirements of applicable law, we will apply payments first to unpaid interest, fees and other charges, then\nto Cash Advance transactions in the order in which they are posted to your Account and finally to Purchase transactions in the order in which they\nare posted to your Account. We may apply payments to balances subject to special terms (including Balance Transfers, convenience checks and\nother promotions) prior to non-promotional balances.\nDisputed Payments\xe2\x80\x92Postdated Checks, Restrictive Endorsement Checks and Other Disputed or Qualified Payments You agree not to send\nus partial payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d \xe2\x80\x9cwithout recourse,\xe2\x80\x9d or similar language. If you send such a payment, we may accept it without losing any of\nour rights under this Agreement. All notices and written communications concerning postdated checks, restrictive endorsement checks\n(including any check or other payment instrument that indicates that the payment constitutes \xe2\x80\x9cpayment in full\xe2\x80\x9d of the amount owed or that\nis tendered with other conditions or limitations or as full satisfaction of a disputed amount) or any other disputed, nonconf orming or\nqualified payments, must be mailed or delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may also accept late,\npostdated or partial payments without losing any of our rights under the credit agreement governing your Account. (A postdated check is a check\ndated later than the day it was actually presented for payment.) We are under no obligation to hold a postdated check and we reserve the right to\nprocess every item presented as if dated the same date received by us or our check processor unless you give us adequate notice and a reasonable\nopportunity to act on it. Except where such notice and opportunity is given, you may not hold us liable for depositing any postdated check.\nINTEREST\nInterest When your Account has an outstanding balance, we will assess periodic interest using a monthly periodic rate of interest. The monthly\nperiodic rate is determined by dividing the annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) by 12. Unless otherwise stated in your Pricing Disclosure, your APRs,\nand corresponding monthly periodic rates, will vary with the market based on the Prime Rate, but no APR will exceed an annual percentage rate of\n36%. See the accompanying Pricing Disclosure for the APRs and any \xe2\x80\x9cper transaction\xe2\x80\x9d interest charges applicable to your Account. Interest will be\nimposed in amounts or at rates not in excess of those permitted by law.\nBalances Subject To Interest We figure the interest charge on your Account by applying the applicable monthly periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your Account. We calculate the average daily balance separately for each type of balance (e.g., separately for Purchases, for Cash\nAdvances and for each balance subject to special terms such as Balance Transfers). For each type of balance, we take the beginning balance each\nday (including accrued but unpaid interest charges), add new transactions (including purchases, cash advances and balance transfers) and any\napplicable fees, and subtract the applicable portion of any payments or credits. This gives us the daily balance for each type of balance. Then, we\nadd up all the daily balances for a particular type of balance for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for that type of balance.\nWhen Interest Begins To Accrue, Grace Period Except as provided below, Purchases, Cash Advances and Balance Transfers begin to accrue\ninterest from the date of the transaction (or, at our option, from the date they are posted to your Account) and continue to accrue interest until the\ncharge is paid in full. You will have at least a 25 day grace period (\xe2\x80\x9cGrace Period\xe2\x80\x9d) on Purchases. This means you have at least 25 days from the\nclosing date on your monthly statement to pay for new Purchases before we charge interest on them. However, the Grace Period will apply only in\nbilling periods when (1) you paid the previous balance in full or (2) you had a previous balance of $0.00 or a credit balance. (The previous balance is\nthe balance identified as the New Balance on the monthly statement for the previous billing period, subject to subsequent adjustment, as\nappropriate.) When the Grace Period applies, we will not impose interest on (1) any new Purchases if we receive payment of the appropriate full\nNew Balance on the monthly statement for that billing period by the due date shown on that statement or (2) the portion of the Purchase balance\nrepaid if we receive payment of only part of the New Balance by the due date. There is no time period within which you can avoid interest on\nCash Advances or Balance Transfers.\nDeferred Interest Balances If you make a purchase under a special Deferred Interest Plan promotion, we will calculate interest for each cycle as\ndescribed above. To avoid such interest you must pay the total purchase amount and accrued fees and charges that are subject to deferred interest\n(\xe2\x80\x9cPromotional Balance\xe2\x80\x9d) in full by the last day of the promotional period as shown in the Deferred Interest Charge Calculation notice on the front of\nyour monthly statement. Making only minimum monthly payments during the promotional period will not pay off your Promotional Balance by the last\nday of the promotional period. If you do not pay your Promotional Balance in full by such date, then the interest that has accrued from the date of\npurchase through and including the last day of the promotional period (Deferred Interest Charge) will be added to your regular Purchase balance.\n\n\x0cFEES\nThe following fees may be added to your Account (as a Purchase unless otherwise stated):\nAnnual Fee If your Account is subject to an Annual Fee, the amount of the fee is shown in the accompanying Pricing Disclosure. Annual fees\nappear on your first monthly statement and thereafter on the anniversary date of your Account as long as your Account is open or you have an\noutstanding balance. Annual Fees are not refundable, except as provided below or as otherwise required by applicable law. Annual Fees reduce\nthe amount of credit you have available for use.\nAccount Maintenance Fee If your Account is subject an Account Maintenance Fee, the amount of the fee is disclosed in the accompanying Pricing\nDisclosure. Account Maintenance Fees are billed each month as long as your Account is open or you have an outstanding balance. Your payment\nof an Account Maintenance Fee does not affect our right to close your Account or our ability to limit transactions on your Account.\nBalance Transfer Fee If your Account is subject to a Balance Transfer Fee, the amount of the fee is disclosed in the accompanying Pricing\nDisclosure. Balance Transfer Fees are charged on each Balance Transfer. This fee is deemed additional interest and will be added to your Balance\nTransfer balance.\nCash Advance Fee If your Account is subject to a Cash Advance Fee, the amount of the fee is disclosed in the accompanying Pricing Disclosure.\nCash Advance Fees are charged each time you obtain a Cash Advance. This fee is deemed additional interest and will be added to your Cash\nAdvance balance.\nForeign Transaction Fee If your Account is subject to a Foreign Transaction Fee, the amount of the fee is disclosed in the accompanying Pricing\nDisclosure. Foreign Transaction Fees are charged on any transaction made in a foreign currency that is converted to U.S. Dollars. This fee is\ndeemed additional interest and will be added to the appropriate Purchase, Cash Advance or Balance Transfer balance\nLate Payment Fee If you fail to make a timely payment, you agree to pay a Late Payment Fee in the amount disclosed in the accompanying Pricing\nDisclosure. For PR residents, you agree to pay the lesser of $15 or 5% of the payment due for payments that are over 15 days late. No Late\nPayment Fee will exceed the amount of the related missed payment.\nReturned Payment Fee To the greatest extent not prohibited by law, if any payment is dishonored or returned, you agree to pay a Returned\nPayment Fee in the amount disclosed in the accompanying Pricing Disclosure. No Returned Payment Fee will exceed the amount of the refused or\nreturned payment.\nAdditional Card Fee (Authorized User) We will impose a fee for allowing access to another person who is not responsible for the repayment of the\nAccount. The amount of the Additional Card Fee (Authorized User) is disclosed with the accompanying Pricing Disclosure. The Additional Card Fee\nwill be imposed annually for each Authorized User.\nREFUND OF INTEREST AND FEES We will credit all interest and fees to your Account if you close your account within 30 days of receiving your\ninitial Agreement and you make no charges to your Account. After such 30-day period, interest and fees generally are no longer avoidable or\nrefundable and you will be responsible for paying all interest and fees charged to your Account.\nCONSENT TO RECEIVE ELECTRONIC DISCLOSURES If, when you applied for your Account or accepted an offer and verified your eligibility for\nan Account, you agreed to receive electronic notices and disclosures in connection with your Account (whether at an electronic mail address that you\nprovided in your Application, at a website that we designate or otherwise), then, to the extent not prohibited by law, we may send notices concerning\nthe availability of Statements and other notices and disclosures to you at the electronic mail address that you provided in your Application, any\nupdated electronic mail address that you provide to us in writing, or on a website that we designate or otherwise, as mutually agreed. If you\nsubsequently choose to receive notices and disclosures by postal mail rather than electronically, then you agree to provide us with an updated postal\naddress in a timely manner to allow us to comply with any applicable requirements of law.\nMONITORING AND RECORDING To ensure that you receive quality service, you agree that we may record all phone calls. These calls, between\nyou and our representatives, are evaluated by supervisors. It is our goal to provide prompt, consistent assistance and deliver accurate information in\na professional manner.\nCOMMUNICATING WITH YOU; CONSENT TO CONTACT BY ELECTRONIC AND OTHER MEANS We may contact you for any lawful reason,\nincluding for the collection of amounts owed to us and for the offering of products or services in compliance with our Privacy Notice in effect from\ntime to time. No such contact will be deemed unsolicited. To the greatest extent not prohibited by applicable law, we may (i) contact you at any\naddress or telephone number (including wireless cellular telephone, VoIP or ported landline telephone number) that you may provide to us from time\nto time; (ii) use any means of communication, including, but not limited to, postal mail, electronic mail, telephone or other technology, to reach you;\n(iii) use automatic dialing and announcing devices which may play recorded messages; and (iv) send text messages to your telephone.\nNOTICE OF CHANGES IN YOUR ELECTRONIC MAIL, TELEPHONE NUMBER OR OTHER INFORMATION You agree to notify us promptly of\nany change in your electronic mail address, your postal address, your home telephone number, place of employment or other information provided in\nyour Application or otherwise provided to us from time to time, including porting a landline telephone number to a cellular number or VoIP, by writing\nto us at Account Services, P.O. Box 105555, Atlanta, GA 30348-5555 or by calling us at 1-877-785-7908.\nCHANGES IN TERMS We may, at any time in accordance with this Agreement and subject to the requirements of applicable law:\n(i) terminate this Agreement; (ii) terminate your right to make future Purchases or take future Cash Advances or Balance Transfers;\n(iii) change your Credit Limit; or (iv) add new terms or delete or change any terms and conditions of this Agreement relating to your\nAccount (including changing from a non-variable to a variable periodic rate, increasing any rate of interest, increasing or adding fees or\ncharges, changing the method of computing the balance upon which interest is assessed or changing the date upon which interest begin\nto accrue). Changes that are favorable to you may be made at any time without prior notice. Changes in terms may be based upon\nfactors including, but not limited to, anti-fraud policies and procedures, your record of making timely payments and staying within your\nestablished Credit Limit on your Account with us, your credit score and information contained in your credit report and your proper\nmaintenance of any checking account used to make your automatic payments, if applicable.\nWhen required by applicable law, we will provide you with written notice of a new or deleted term or change in terms and offer you the\nright to reject terms in the manner specified at the time of notice. No new term or change in the terms of this Agreement will affect your\nobligation to pay all amounts owing under this Agreement.\n\n\x0cASSIGNMENT; TRANSFER We may sell, assign or transfer all or any portion of your Account and all or any portion of our rights under this\nAgreement to any other person without prior notice to you. You may not sell, assign or transfer any of your rights under this Agreement.\nLOST CARDS AND UNAUTHORIZED USE Contact us immediately if you believe your Card has been lost or stolen. Telephoning is the best way to\nminimize your possible losses. If you believe that your Card has been lost or stolen, or that someone has made a Purchase on or transferred or may\ntransfer money from your Account without your permission, call us at 1-877-785-7908. You will not be liable for any such unauthorized use that\noccurs after you notify us. You may, however, be liable for such unauthorized use that occurs before you notify us. In any case, your liability for\nsuch unauthorized use will not exceed $50. Under MasterCard Rules, your liability for unauthorized MasterCard transactions on your Account is $0\nif you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft or unauthorized use. This\nreduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents\nof unauthorized use in the immediately preceding twelve (12) month period.\nCREDIT REPORTS AND INFORMATION\nCredit Reports You authorize us to make or have made any credit, employment or other investigative inquiries we deem appropriate to renew,\nreview or collect amounts owed to us on your Account. We also may obtain follow-up credit reports on you for any lawful purpose as long as you\nhave an outstanding balance.\nNotice of Information Reporting We may report information about your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on your Account may be reflected in your credit report.\nInformation Sharing You acknowledge and agree that we may share information about you with others in accordance with our Privacy Notice (a\ncopy of which we will provide to you and may be obtained from www.myfortiva.com/my-account as it is in effect from time to time).\nNotice of Inaccurate Information If you believe that we have information about you that is inaccurate or that we have reported or may report to a\ncredit reporting agency information about you that is inaccurate, please notify us of the specific information that you believe is inaccurate by writing to\nus at Account Services, P.O. Box 105555, Atlanta, GA 30348-5555.\nARBITRATION PROVISION (AGREEMENT TO ARBITRATE CLAIMS)\nUnless you are a \xe2\x80\x9ccovered borrower,\xe2\x80\x9d as defined under the Military Lending Act, 10 U.S. C. \xc2\xa7 987, as amended, and except as otherwise stated\nbelow, any Claim (as defined below) will be resolved by binding arbitration pursuant to (a) this Arbitration Provision and (b) the Code of Procedure of\nthe national arbitration organization to which the Claim is referred (as in effect when the Claim is filed). Claims will be referred to either Judicial\nArbitration and Mediation Services (\xe2\x80\x9cJAMS\xe2\x80\x9d) or the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d), as selected by the party electing to use arbitration.\nStreamlined arbitration procedures will be used if available. If a selection by us of one of these organizations is unacceptable to you, you have the right,\nwithin 30 days after you receive notice of our election, to select the other organization listed to serve as arbitration administrator. For purposes of this\nArbitration Provision, \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute or controversy (whether in contract, tort, or otherwise), past, present or future, (collectively,\n"Claims") as further described below. (If for any reason a selected organization cannot, will not or ceases to serve as an arbitration administrator,\nyou or we may substitute another widely recognized arbitration organization that uses a similar code of procedure and is mutually acceptable to the\nparties.)\nRight To Reject Arbitration. You may reject this Arbitration Provision. If you do so, neither you nor we will have the right to engage in\narbitration. Rejecting this Arbitration Provision will have no effect on any of the other provisions in this Agreement. To reject this Arbitration\nProvision, you must send us your written rejection within 60 days after we open your Account, or 60 days after any change in terms that affects this\nArbitration Provision, to Account Services Dispute Resolution, P.O. Box 105096, Atlanta, GA 30348-5096; ATTN: Consumer Credit Arbitration. In\nyour letter, you must give us the following information: Name, Address and Account number. The right to reject granted here applies solely to this\nArbitration Provision, and not to any other provision of this Agreement, or to any other agreement with us. In the event of a dispute over whether you\nhave provided a timely rejection notice, you must provide proof of delivery. Neither party may elect to arbitrate an individual Claim brought in small\nclaims court (or your state\xe2\x80\x99s equivalent court, if any). However, if a Claim that is brought in small claims court is transferred or appealed to a different\ncourt, either party may elect arbitration.\nSignificance of Arbitration; Limitations and Restrictions. IF YOU OR WE CHOOSE TO RESOLVE A CLAIM BY BINDING ARBITRATION,\nNEITHER YOU NOR WE WILL HAVE THE RIGHT TO (i) HAVE A COURT OR JURY DECIDE THE CLAIM BEING ARBITRATED (ii) ENGAGE IN\nPRE-ARBITRATION DISCOVERY (THAT IS, THE RIGHT TO OBTAIN INFORMATION FROM THE OTHER PARTY) TO THE SAME EXTENT\nTHAT YOU OR WE COULD IN COURT, (iii) PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS IN A\nCLASS ACTION, IN COURT OR IN ARBITRATION, RELATING TO ANY CLAIM SUBJECT TO ARBITRATION OR (iv) JOIN OR CONSOLIDATE\nCLAIMS OTHER THAN YOUR OWN OR OUR OWN. OTHER RIGHTS AVAILABLE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.\nExcept as set forth below, the arbitrator\xe2\x80\x99s decision will be final and binding. Only a court may decide the validity of items (iii) and (iv) above. If\na court holds that items (iii) or (iv) are limited, invalid or unenforceable, then this entire Arbitration Provision will be null and void. You or we can\nappeal any such holding. If a court holds that any other part(s) of this Arbitration Provision (other than items (iii) and (iv)) are invalid, then the\nremaining parts of this Arbitration Provision will remain in force. An arbitrator will decide all other issues pertaining to arbitrability, validity,\ninterpretation and enforceability of this Arbitration Provision. The decision of an arbitrator is as enforceable as any court order and may be subject to\nvery limited review by a court. An arbitrator may decide a Claim upon the submission of documents alone, or a party may request a telephonic\nhearing if permitted by applicable rules. The exchange of non-privileged information relevant to the Claim, between the parties, is permitted and\nencouraged. Either party may submit relevant information, documents or exhibits to the arbitrator for consideration in deciding a Claim.\nBroad Meaning of \xe2\x80\x9cClaims.\xe2\x80\x9d The term "Claims" in this Arbitration Provision is to be given the broadest possible meaning and includes (by way of\nexample and without limitation) Claims arising from or relating to (i) the application for or issuance of your Account, (ii) use, terms, change in terms or\naddition of terms, closing or collection of your Account or this Agreement, (iii) advertisements, promotions or oral or written statements related to\nyour Account, including any Claims regarding information obtained by us from, or reported by us to, credit reporting agencies or others, (iv) Claims\nbetween you and our parent corporations, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, agents, independent\ncontractors, employees, officers, directors or representatives arising from your Account or this Agreement and (v) Claims regarding the validity,\nenforceability or scope of this Arbitration Provision or this Agreement.\nArbitration Procedure and Costs. For a copy of relevant codes of procedure, to file a Claim or for other information about JAMS and AAA, write them,\nvisit their web site or call them at: (i) for JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614 or info@jamsadr.com, http://www.jamsadr.com, 1-800352-5267; or (ii) for AAA, 1633 Broadway, 10th Floor, New York, NY 10019 or websitemail@adr.org, http://www.adr.org, 1-800-778-7879. If either party\nfails to submit to arbitration following a proper demand to do so, that party will bear the costs and expenses, including reasonable attorneys\xe2\x80\x99 fees,\nincurred by the party compelling arbitration. Any physical arbitration hearing that you attend will be held in the federal judicial district where you live at\nthe time the Claim is filed. The party initiating the arbitration will pay the filing fee. You may seek a waiver of the initial filing fee or any other fees\nincurred in arbitration. If you seek, but do not qualify for, a waiver, we will consider any written request by you for us to pay or reimburse you for all or\npart of such fees. Each party will pay for its respective attorneys\xe2\x80\x99, experts\xe2\x80\x99 and witness fees, regardless of which party prevails in the arbitration. A\nparty may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines.\n\n\x0cAllocation of fees and costs relating to appeals in arbitration will be handled in the same manner. For an explanation and schedule of the fees that\napply to an arbitration proceeding with JAMS, please visit http://www.jamsadr.com/rules-streamlined-arbitration; for AAA, visit\nhttp://www.adr.org/consumer_arbitration. The appropriate fee schedule in effect from time to time is hereby incorporated by reference into this\nArbitration Provision. The cost of arbitration may be higher or lower than the cost of bringing your Claim in court, depending upon the nature of your\nClaim and how the arbitration proceeds. Having more than one Claim and holding face-to-face hearings can increase the cost of arbitration. Again,\nneither you nor we will be permitted to arbitrate claims on a class-wide (that is, on other than an individual) basis. An arbitration proceeding can\ndecide only your or our Claims. You cannot join other parties (or consolidate Claims) except with respect to persons who use your Account.\nGoverning Law for Arbitration. This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and will be governed by\nthe Federal Arbitration Act ("FAA"), 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq., as amended, notwithstanding any other governing law provision in this Agreement. The\narbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege\nrecognized at law. Judgment upon any arbitration award may be entered and enforced, including without limitation by garnishment, attachment,\nforeclosure or other post-judgment remedies, in any court having jurisdiction. The arbitrator\xe2\x80\x99s decision will be final and binding, except for any right\nof appeal provided by the FAA, in which case any party can appeal the award to a three-arbitrator panel administered by the selected arbitration\nadministrator. The panel will reconsider de novo (that is, without deference to the ruling of the original arbitration) any aspect of the initial award\nrequested by the appealing party.\nContinued Effect of Arbitration Provision. This Arbitration Provision will continue to govern any Claims that may arise without regard to any\ntermination or cancellation of your Account. If any portion of this Arbitration Provision (other than the provisions prohibiting class-wide arbitration,\njoinder or consolidation) is deemed invalid or unenforceable under the FAA, it will not invalidate the remaining portions of this Arbitration Provision. If\na conflict or inconsistency arises between the code of procedures of the selected arbitration administrator and this Arbitration Provision, this\nArbitration Provision will control.\nDELAY IN ENFORCEMENT We can delay or waive enforcing any of our rights under this Agreement or under applicable law without losing any of\nthose rights or any other rights. Even if we do not enforce our rights or remedies at any one time, we may enforce them at a later time.\nSEVERABILITY Except as otherwise expressly provided in the Arbitration Provision, if any provision of this Agreement is finally determined to be\nvoid or unenforceable under applicable law, rule or regulation, all other provisions of this Agreement shall still be valid and enforceable. Certain\nprovisions of this Agreement are stated as being subject to applicable law. Such provisions may be void, unenforceable or inapplicable in some\njurisdictions.\nENTIRE AGREEMENT This Agreement, including any other written, oral or electronic document incorporated into and made a part of this\nAgreement, is the entire agreement between you and us relating to your Account and supersedes any other prior or contemporaneous agreement\nbetween you and us relating to your Account. If there is any conflict between any one of these documents and this Agreement, the terms of this\nAgreement control. This Agreement may not be amended except in accordance with the other provisions of this Agreement.\nGOVERNING LAW FOR CREDIT This Agreement, and any claim, dispute or controversy (whether in contract, tort, or otherwise) at any\ntime arising from or relating to this Agreement, are governed by and construed in accordance with applicable federal law and, to the\nextent not preempted by federal law, the laws of Missouri (without regard to internal principles of conflict of laws), except that the\narbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq. The legality, enforceability and interpretation of this\nAgreement and the amounts contracted for, charged and reserved under this Agreement will be governed by such laws. We extend credit\npursuant to Section 408.145 of the Missouri Revised Statutes. You agree that this Agreement is made, executed and delivered in Missouri\nand that we make all credit decisions, open all accounts and issue all proceeds from, impose all fees and charges in and receive all\npayments from you, in our offices in Missouri. To the extent not preempted by federal law or subject to Missouri law, for purposes of state\nlaw compliance, we have elected Section 12-103(a)(1) of the Interest and Usury statute and the Revolving Credit Accounts statute in\nMaryland (Md. Com. Law Code \xc2\xa7 12-103(a)(1) and \xc2\xa7\xc2\xa7 12-501 et seq.).\nYOU ACKNOWLEDGE THAT YOU HAVE RECEIVED (ELECTRONICALLY OR OTHERWISE) AN EXACT, COMPLETELY FILLED-IN, LEGIBLE\nCOPY OF THIS AGREEMENT, HAVE READ IT AND AGREE TO ITS TERMS.\nNOTICE TO THE BUYER\n1. DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES.\n2. YOU ARE ENTITLED TO AN EXACT, COMPLETELY FILLED IN COPY OF THE AGREEMENT YOU SIGN.\n3. YOU HAVE THE RIGHT TO PAY, IN ADVANCE, THE FULL AMOUNT DUE.\nCA RESIDENTS: Interest is compounded on unpaid amounts.\n\nMD RESIDENTS: You have the right under Section 12-510 of the Commercial Law Code to receive an answer to your\nwritten inquiry regarding the status of your account.\nMO RESIDENTS: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt\nincluding promises to extend or renew such debt are not enforceable. To protect you (borrower) and us (creditor) from misunderstanding\nor disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive\nstatement of the agreement between us, except as we may later agree in writing to modify it.\nNH RESIDENTS: This Agreement provides for reasonable attorneys\xe2\x80\x99 fees to be awarded to us in an action against you involving this Agreement.\nReasonable attorney\'s fees will be awarded to you if you prevail in any action, suit or proceeding brought by us; or an action brought by you. If you\nsuccessfully assert a partial defense or set-off, recoupment or counterclaim to an action brought by us the court may withhold from us the entire\namount or such portion of the attorney fees as the court considers equitable.\nNJ RESIDENTS: Because certain provisions of this agreement are subject to applicable law, they may be void, unenforceable or inapplicable in\nsome jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey.\nNY RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT\nWI RESIDENTS: No provision of a marital property agreement, a unilateral statement under section 766.59 or a court decree und er section\n786.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the\nagreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.\nBUYER/CARDHOLDER Your name and address, our name and address and the date on any Application or any other document or record you sign\nin connection with your Account are incorporated here and made a part of this Agreement and represent your name and address, our name and\n\n\x0caddress, and the date on this Agreement. An electronic record of your request for or acceptance of an Account or the consummation of a sales\ntransaction under this Agreement can represent your signature on this Agreement.\nCREDITOR /s/ THE BANK OF MISSOURI, ST. ROBERT, MO\nRev. Date: March 2021\nBILLING RIGHTS NOTICE\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nAccount Services Dispute Resolution\nP.O. Box 105374\nAtlanta, GA 30348-5374\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the\nerror.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on thatamount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of yourbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you\ndo so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know when the matter has been settled betweenus.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nAccount Services Dispute Resolution\nP.O.\nBox\n105374\nAtlanta, GA 30348-5374\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you asdelinquent.\n\n\x0c'