b'PRICING ADDENDUM FOR DILLARD\xe2\x80\x99S AMERICAN EXPRESS\xc2\xae CREDIT CARD AGREEMENT\nAs of February 13, 2021\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\nU.S. Prime Rate + 21.74%\n\nAPR for Cash Advances\nPaying Interest\n\nThis APR will vary with the market based on the U.S. Prime Rate (\xe2\x80\x9cIndex Rate\xe2\x80\x9d).\nU.S. Prime Rate + 23.74%\nThis APR will vary with the market based on the U.S. Prime Rate (\xe2\x80\x9cIndex Rate\xe2\x80\x9d).\n\nMinimum Interest Charge\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances on the transaction date.\nIf you are charged interest, the charge will be no less than $1.00.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\nEither $10.00 or 4% of the amount of each cash advance, whichever is greater.\n\xe2\x80\xa2 Foreign Currency Conversion 3% of each transaction converted to U.S. dollars\nPenalty Fees\n\xe2\x80\xa2 Late Payment\nUp to $40.00\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.\nHow We Will Calculate Your Late Payment Fee: The fee will be the lesser of the Total Minimum Payment Due or $29.00. For any subsequent\nevent within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $40.00.\nHow We Will Calculate Your Variable APRs: The APR used to figure interest for purchases on your Account is figured by adding a margin\nof 21.74 percentage points to the U.S. Prime Rate for that Billing Cycle. The APR used to figure interest for cash advances is figured by\nadding a margin of 23.74 percentage points to the U.S. Prime Rate. These rates vary with the market based on the U.S. Prime Rate. See your\nAgreement for more details.\nThe information about the cost of credit described in this Agreement is accurate as of February 2021. This information may have changed\nafter that date. To find out what may have changed, call us at 1-866-834-6294.\nVariable Interest Rate Calculation\nIndex Rate effective as of 01/01/2021\n\n3.25%\n\nMargin added to the Index Rate to determine your APR for Purchases\n\n21.74%\n\nMargin added to the Index Rate to determine your APR for Cash Advances\n\n23.74%\n\nAPR for Purchases\n\n24.99%\n\nAPR for Cash Advances\n\n26.99%\n\n1 of 5\n\n6102OA DILLARDS AMEX 0221\n\n\x0cDILLARD\xe2\x80\x99S AMERICAN EXPRESS\xc2\xae CREDIT CARD AGREEMENT\nNotice to California Cardmembers\nTo our California customers who have discussed credit card terms and conditions with us\nin Spanish, Chinese, Korean, Vietnamese, or Tagalog:\nRead the section titled INTERPRETER CERTIFICATION before you use your Account.\nLean la secci\xc3\xb3n titulada CERTIFICACI\xc3\x93N DE INT\xc3\x89RPRETE antes de usar su Cuenta.\n\xe8\xab\x8b\xe6\x82\xa8\xe5\x9c\xa8\xe4\xbd\xbf\xe7\x94\xa8\xe6\x82\xa8\xe7\x9a\x84\xe5\xb8\xb3\xe6\x88\xb6\xe4\xb9\x8b\xe5\x89\x8d\xe9\x96\xb1\xe8\xae\x80\xe6\xa8\x99\xe9\xa1\x8c\xe7\x82\xba\xe3\x80\x8c\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe8\xaa\x8d\xe8\xad\x89\xe3\x80\x8d\xe7\x9a\x84\xe7\xab\xa0\xe7\xaf\x80\xe3\x80\x82\n\xea\xb3\x84\xec\xa2\x8c\xeb\xa5\xbc \xec\x82\xac\xec\x9a\xa9\xed\x95\x98\xec\x8b\x9c\xea\xb8\xb0 \xec\xa0\x84\xec\x97\x90 \xe2\x80\x9c\xed\x86\xb5\xec\x97\xad\xec\x82\xac \xec\xa6\x9d\xeb\xaa\x85\xe2\x80\x9d \xed\x95\xad\xeb\xaa\xa9\xec\x9d\x84 \xec\x9d\xbd\xec\x9c\xbc\xec\x8b\x9c\xea\xb8\xb0 \xeb\xb0\x94\xeb\x9e\x8d\xeb\x8b\x88\xeb\x8b\xa4.\nH\xc3\xa3y \xc4\x91\xe1\xbb\x8dc ph\xe1\xba\xa7n c\xc3\xb3 t\xe1\xbb\xb1a \xc4\x91\xe1\xbb\x81 X\xc3\x81C NH\xe1\xba\xacN V\xe1\xbb\x80 TH\xc3\x94NG D\xe1\xbb\x8aCH VI\xc3\x8aN tr\xc6\xb0\xe1\xbb\x9bc khi qu\xc3\xbd v\xe1\xbb\x8b s\xe1\xbb\xad d\xe1\xbb\xa5ng\nTr\xc6\xb0\xc6\xa1ng m\xe1\xbb\xa5c c\xe1\xbb\xa7a m\xc3\xacnh.\nBasahin ang seksiyong may pamagat na SERTIPIKASYON NG TAGAPAGSALING-WIKA bago\nmo gamitin ang iyong Account.\nThese terms apply to your entire Account.\nAbout Your Account\nAGREEMENT. This Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers the use of your Credit Card\nAccount (\xe2\x80\x9cAccount\xe2\x80\x9d) with us. It includes the Important Terms of Your Credit Card Account.\nYou accept the terms of this Agreement by opening or using your Account. Your signature on\nyour application or solicitation for this Account, including without limitation any electronic\nor digital signature, as well as your signature on Sales Slips or any Account-related document,\nrepresents your signature on this Agreement. Please read this Agreement carefully and save\nit for future reference.\nPARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Bank, N.A.,\nP.O. Box 10347, Des Moines, IA 50306 (\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d) and the account holder (\xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyour\xe2\x80\x9d).\nCONTACTING US. Unless stated otherwise in this Agreement, you may contact us at the\nphone number or address shown on your statement.\nDEFINITIONS.\nBilling Cycle\n\nThe interval between statements. Each statement shows a\nclosing date. The statement closing date is the last day of the\nBilling Cycle for that statement.\n\nCard\n\nThe credit card we may issue to use your Account.\n\nImportant Terms\nof Your Credit Card\nAccount\n\nA summary of your Account\xe2\x80\x99s Annual Percentage Rates\n(\xe2\x80\x9cAPRs\xe2\x80\x9d), fees and other important information.\n\nNew Balance\n\nThe Outstanding Balance as of a statement closing date.\n\nOutstanding\nBalance\n\nThe sum of all unpaid amounts, including purchases, cash\nadvances, interest, fees and any other amounts that you may\nowe us.\n\nPayment Address\n\nThe address where you mail your payment. It is located on\nyour Payment Stub.\n\nPayment Due Date\n\nThe date the Total Minimum Payment Due is due to us. It is\nshown on your statement.\n\nPayment Stub\n\nThe portion of your statement that is to be returned with your\npayment.\n\nSales Slip\n\nAny document that describes the terms of a purchase on the\nAccount.\n\nOVERVIEW OF ACCOUNT. Your Account may be divided into two or more balances.\nDifferent terms may apply to different balances.\nUSING YOUR ACCOUNT. You may use your Account for purchases and cash advances:\n\xe2\x80\xa2 Purchases. You may use your Account for purchases from Dillard\xe2\x80\x99s locations, including\nDillard\xe2\x80\x99s website, and from any merchant that accepts American Express Cards. Purchases\nwill be part of the regular balance unless a Dillard\xe2\x80\x99s Sales Slip shows that Club Plan terms\napply. If Club Plan terms apply, the purchase will be part of a Club Plan balance. Club\nPlans are described later in this Agreement (see Club Plans section).\n\xe2\x80\xa2 Cash Advances. If we allow you to take cash advances, they will be part of your cash\nadvance balance. You may take a cash advance by presenting your Card at a participating\nbank or Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d). There may be limits on the amount and\nfrequency of advances.\nYou promise that you will use your Account only for lawful personal, family or household\npurposes. In addition, we reserve the right to deny transactions or authorizations from\nmerchants apparently engaging in the Internet gambling business or identifying themselves\nthrough the Card transaction record or otherwise as engaged in such business. American\nExpress Cards are not presently accepted for the purchase of bets, lottery tickets or casino\ngaming chips. We are not responsible if anyone does not allow you to use your Account.\nPROMISE TO PAY. When you use your Account, or let someone else use it, you promise to\npay the total amount of the purchase or cash advance, as well as any interest, fees or other\namounts that you may owe us. We may limit or close your Account, but the terms of this\nAgreement will apply until you pay the Account in full.\nCREDIT LIMIT. We will assign a Credit Limit to your Account. A Credit Limit is the amount of\ncredit we will extend to your Account. Your Credit Limit is provided with your Card and on\neach of your statements. You promise to use your Account only to the Credit Limit. If you\nexceed your Credit Limit, we may authorize the transaction without increasing your Credit\nLimit. If you exceed your Credit Limit, you will remain liable for all amounts payable under\nthis Agreement. We can adjust your Credit Limit at any time.\n\nFees and Interest\nFEES. You agree to pay the following fees. You will find the fee amounts in the Important\nTerms of Your Credit Card Account.\n\xe2\x80\xa2 Late Payment Fee. This fee may be charged each time we do not receive the Total\nMinimum Payment Due by the Payment Due Date. This fee will be charged to your regular\nbalance.\n\xe2\x80\xa2 Cash Advance Fee. This fee may be charged when you take a cash advance. This fee will\nbe charged to your cash advance balance.\n\xe2\x80\xa2 Foreign Transaction Fee. We will charge this fee for purchases you make in currencies\nother than U.S. dollars and/or in a country other than the U.S., whether or not the\ntransaction was in a foreign currency. This fee will be charged to your regular balance.\nCurrency Conversion. If you make a transaction with your Account in a currency other than\nU.S. dollars, American Express will convert the transaction amount into U.S. dollars. Unless\na specific rate is required by applicable law, American Express will choose a conversion rate\nthat is acceptable to them for that date. The rate American Express uses to make conversions\nfrom transactions in foreign currencies to U.S. dollars is no greater than the highest official\nrate published by a government agency or the highest interbank rate from customary\nbanking sources on the conversion date or business day prior to the day on which the\ntransactions are processed by American Express or American Express\xe2\x80\x99 agents, which rates\nmay differ from the rates in effect on the transaction date. Charges converted by third\nparties will be converted at their rates. American Express charges a commission of 1% on\ntransactions you make with your Account in currencies other than U.S. dollars, and in U.S.\ndollars outside the U.S. (including charges made from websites outside the U.S.), but never\non the same transaction. We charge a fee for each transaction that you make in a country\nother than the United States, whether or not the transaction was in a foreign currency. This\nfee will be equal to 2% of the dollar amount of the foreign transaction.\nINTEREST RATES. The daily periodic rates are calculated by dividing each applicable APR\nby 365. The APRs used to figure interest on balances are shown in the Important Terms of\nYour Credit Card Account.\nPRIME RATE. The Prime Rate we use is the U.S. Prime Rate published in the Money Rates\nsection of The Wall Street Journal. We select the Prime Rate published on the first business\nday of the month preceding the month of the quarterly rate change date. If more than one\nPrime Rate is published, we will use the average of the Prime Rates. If the Prime Rate is no\nlonger published or is not available, we may select a similar rate. The APR will increase or\ndecrease if the Prime Rate increases or decreases and this will also cause the daily periodic\nrate to increase or decrease. An increase or decrease in the APR will increase or decrease\nthe total amount of interest you pay. It may also increase or decrease the Total Minimum\nPayment Due. The rate change date for each quarter is the first day of the first Billing Cycle\nbeginning on or after January 1, April 1, July 1, and October 1.\nWHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging interest\non a purchase, cash advance or interest charge on the date the purchase, cash advance or\ninterest charge posts to your Account. We begin charging interest on a fee on the first day of\nthe Billing Cycle following the Billing Cycle in which the fee posts to your Account. However,\nif a late payment fee is posted to your Account in the current Billing Cycle, but is related to\na late payment in the prior Billing Cycle, we will begin charging interest on the fee on the\nfirst day of the current Billing Cycle.\nHOW TO AVOID PAYING INTEREST ON PURCHASES. Except as described in the Club Plans\nsection below, to avoid paying interest on new Purchases you have to pay your entire New\nBalance by the Due Date on your statement each Billing Period. You cannot avoid interest\non cash advances.\nHOW WE CALCULATE INTEREST\xe2\x80\x94AVERAGE DAILY BALANCE METHOD (INCLUDING\nNEW PURCHASES). The total interest charge is the sum of interest charges for each type\nof balance on your Account (e.g. regular, cash advance balance). We figure the interest\ncharge for each type of balance on your Account by applying the daily periodic rate to\nthe average daily balance (\xe2\x80\x9cADB\xe2\x80\x9d). Then, we multiply this amount by the number of days\nin the Billing Cycle.\nInterest charge = daily periodic rate x ADB x number of days in the Billing Cycle.\nADBs for each type of balance are calculated separately, starting with the beginning balance\non the first day of each Billing Cycle. The beginning balance on the first day of the Billing\nCycle includes the following:\n\xe2\x80\xa2 The prior Billing Cycle\xe2\x80\x99s ending balance, which includes any unpaid fees posted to your\nAccount in the prior Billing Cycle.\n\xe2\x80\xa2 Any late payment fees posted in the current Billing Cycle that are related to a late payment\nin the prior Billing Cycle.\nTo get the ADB for each type of balance, we take the beginning balance each day and add\nany new purchases and cash advances. Except for the first day of each Billing Cycle, we\nadd interest equal to the previous day\xe2\x80\x99s balance multiplied by the daily periodic rate. (This\nmeans interest is compounded daily.) Then, we subtract any payments or credits. This gives\nus the daily balance. Any daily balance that is a credit balance will be treated as zero. Then,\nwe add up all the daily balances for the Billing Cycle. We divide this amount by the number\nof days in the Billing Cycle. This gives us the ADB.\nADB = sum of daily balances \xc3\xb7 number of days in the Billing Cycle.\nMINIMUM INTEREST CHARGE. If you are charged interest in a Billing Cycle, the charge\nwill be no less than $1.00.\nPayments\nTOTAL MINIMUM PAYMENT DUE. You promise to pay the Total Minimum Payment Due by\nthe Payment Due Date. The Total Minimum Payment Due is the greater of (A) or (B), plus (C):\n(A) $29.00 (or $40.00 if we do not receive the Total Minimum Payment Due by the Payment\nDue Date in any one of the prior six Billing Cycles)\n\n2 of 5\n\n6102OA DILLARDS AMEX 0221\n\n\x0c(B) The sum of:\n\xe2\x80\xa2 Any past due amounts; plus\n\xe2\x80\xa2 Any fees assessed during the current Billing Cycle; plus\n\xe2\x80\xa2 1% of the new balance (excluding any Club Plan balance); plus\n\xe2\x80\xa2 The sum of any interest charges in the current Billing Cycle\n(C) The payment(s) for any Club Plan 12 or Club Plan 24 balances (see Club Plans section).\nThe Total Minimum Payment Due will never be more than the New Balance. If you pay more\nthan the Total Minimum Payment Due but less than the Outstanding Balance, you are still\nrequired to pay the Total Minimum Payment Due in the next Billing Cycle.\nPAYMENT INSTRUCTIONS. Follow these instructions when making a payment:\n\xe2\x80\xa2 Make your payment in U.S. dollars, but do not send cash.\n\xe2\x80\xa2 If you make a payment by mail, please include the Payment Stub with your payment.\nUse the envelope enclosed with your statement to mail both documents to the Payment\nAddress. Payments received by 5:00 p.m. local time at the Payment Address will be\ncredited as of the date of receipt. Payments received after the 5:00 p.m. cut-off time will be\ncredited as of the next day. When you provide a check as payment, you authorize us either\nto use information from your check to make a one-time electronic fund transfer from\nyour account or to process the payment as a check transaction. When we use information\nfrom your check to make an electronic fund transfer, funds may be withdrawn from your\naccount as soon as the same day we receive your payment, and you will not receive\nyour check back from your financial institution. Your billing statement also explains how\ninformation on your check is used.\n\xe2\x80\xa2 If you make a payment online, it must be made via Dillard\xe2\x80\x99s website, which is shown on\nyour statement. The cut-off time for online payments will be disclosed at the time of the\ntransaction.\n\xe2\x80\xa2 You also can make a payment at a Dillard\xe2\x80\x99s store. Payments received at the Dillard\xe2\x80\x99s store\nlocation where payment is made will be credited as of the date of receipt.\nIf you do not follow these instructions, your payments may not receive credit for up to five\ndays after we receive it. You may at any time pay, in whole or in part, the Outstanding Balance\nwithout any additional charge for prepayment.\nSome of your available line of credit may be held at our discretion, until your payment is\nhonored.\nIRREGULAR PAYMENTS. We may accept late payments, partial payments or payments\nthat reflect \xe2\x80\x9cpaid in full\xe2\x80\x9d (or other restrictive language), without losing our rights to receive\nfull payment. If you intend to claim to pay your Account in full with an amount less than\nthe Outstanding Balance, payments must be sent to us at Wells Fargo Bank, N.A., P.O. Box\n10311, Des Moines, IA 50306-0311.\nAPPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the Total\nMinimum Payment Due at our discretion. We apply any payment amounts in excess of the\nTotal Minimum Payment Due to balances with higher APRs before lower APRs.\nAny payment in excess of the Total Minimum Payment Due is applied based on the balances\nreflected on your last statement. We post payments in the Billing Cycle they are received.\nOther Information\nCANCELLATION. We may close your Account at any time and for any reason. You may also\nclose the Account at any time by contacting us. If that happens, you must still repay the\nbalance owed according to the terms of this Agreement. If we close the account, notice may\nbe provided to only one Account Holder.\nAUTHORIZED USERS. You may request additional Cards for authorized users. You are\nresponsible for all charges (including related interest and fees) made by the authorized\nuser. If you want to end an authorized user\xe2\x80\x99s privilege to use your Account, before we can\nprocess the request, you must:\n\xe2\x80\xa2 Recover and destroy that person\xe2\x80\x99s Card. If you do not recover and destroy the Card, you\nwill continue to be liable for any charges made after you advised us of your wish to cancel\nthe privileges, unless you tell us to cancel all Cards and establish a new Account for you.\n\xe2\x80\xa2 You must notify us of your request by contacting us at the phone number or address\nshown on your statement.\nIn general, an authorized user is not obligated on this Account and is not liable for any\nOutstanding Balance or any other charges made by you or by any other authorized user.\nEach authorized user\xe2\x80\x99s privilege ends automatically upon the death of all account holders.\nIf any person uses the Card, such use indicates his or her agreement to pay us, and we may,\nat our discretion, pursue the person for payment of any Outstanding Balance or any other\ncharges they authorize. You agree to notify each authorized user that they are subject to\nall applicable sections of this Agreement.\nCONTACTING YOU. By providing us with any phone number, you are expressly consenting\npermission to contact you at that number about all of your Wells Fargo accounts. You give\nconsent to allow us to contact your past, present and future phone service providers to\nverify the information you have provided against their records. You agree that your phone\nservice providers may verify any phone numbers you have supplied to the name, address,\nand status on their records. In order for us to service your Account or to collect any amounts\nyou may owe, you agree that we may contact you using any contact information related to\nyour Account, including any number (i) you have provided to us, (ii) from which you called\nus, or (iii) which we obtained and reasonably believe we can reach you. We may use any\nmeans to contact you. This may include contact from companies working on our behalf to\nservice your Accounts. This may include automated dialing devices, prerecorded/artificial\nvoice messages, mail, e-mail, text messages and calls to your mobile, wireless or similar\ndevice or Voice over Internet Protocol (VolP) service, or any other data or voice transmission\ntechnology. You are responsible for any service provider charges as a result of us contacting\nyou. You agree to promptly notify us if you change any contact information you provide\nto us. This includes your name, mailing address, e-mail address(es), or phone number(s).\nPHONE MONITORING. We may monitor and record your phone calls with us.\n\nLOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to contact\nus immediately if your Card is lost or stolen or if you believe your Account is being used\nwithout your permission. You may contact us at: 1-866-834-6294 or P.O. Box 10347, Des\nMoines, IA 50306. You agree to assist us in our investigation of the matter. If you do this, you\nwill not be held liable for the unauthorized use of your Account, but you will be responsible\nfor all use by anyone you give your Card to or allow to use your Account.\nDEFAULT. Your Account will be in default if any of the following occur:\n\xe2\x80\xa2 You fail to pay the Total Minimum Payment Due by the Payment Due Date.\n\xe2\x80\xa2 Any payment is dishonored.\n\xe2\x80\xa2 You violate the terms of this Agreement.\n\xe2\x80\xa2 You made an untrue statement on your application.\n\xe2\x80\xa2 You file for bankruptcy.\nIf your Account is in default, our rights include, but are not limited to, refusing to authorize\nfurther transactions, closing your Account, and requiring the immediate payment of the\nOutstanding Balance. If your Account is in default, you also agree to pay our collection costs,\nattorney\xe2\x80\x99s fees, and court costs.\nGOVERNING LAW. Federal law and the laws of South Dakota govern this Agreement and\nyour Account.\nCHANGE IN TERMS. We may change this Agreement at any time. These changes may\napply to existing and future balances. We will give you advance written notice of the\nchange(s) and a right to reject the change(s) if required by law. We may require you\nto close your Account or take other actions if you reject the changes.\nENFORCING THIS AGREEMENT. We may waive or delay enforcing any of our rights without\nlosing them. We may waive or delay enforcing a right against one of you without waiving\nit as to the other.\nSEPARATION OF UNLAWFUL PROVISIONS. If any provision of this Agreement is\ndetermined to be unlawful, the rest of the Agreement will stand and the unlawful provision\nwill be deemed amended to conform to law.\nINFORMATION SHARING. When you applied for an Account, you gave us and Dillard\xe2\x80\x99s,\nInc. information about yourself that we could share with each other. Dillard\xe2\x80\x99s, Inc. will use\nthe information in connection with the credit program and for things like creating and\nupdating its records and offering you special benefits. Federal or state laws may limit our\nability to share your personal and/or Account information with Dillard\xe2\x80\x99s, Inc. even though\nyou have given us this authorization. We comply with these federal and state laws. Please\nrefer to the Wells Fargo Bank, N.A. Dillard\xe2\x80\x99s Privacy Notice for more information about how\nwe collect, share, and protect your information, as well as how you may limit some, but not\nall, information sharing.\nCREDIT INFORMATION. You promise that any information you give to us in connection\nwith your Account is true and complete. You understand that we rely on this information\nto open your Account and extend credit to you. You authorize us to investigate your credit,\nemployment, assets, and income records and to verify your credit references. You also\nauthorize us to obtain credit reports on you from time to time.\nINFORMATION REPORTING. You agree that we may report your performance, status, and\nhistory under this Agreement to consumer reporting agencies. If you request additional\nCards on your Account for others, you understand that we may report Account information\nin your name as well as in the names of those additional cardmembers. If you fail to comply\nwith the terms of the Account as defined in this Agreement, it will be furnished to the credit\nreporting agencies and it could cause a negative reference on your credit report and the\ncredit reports of any additional cardmembers. You have the right to dispute the accuracy\nof information that we have reported by writing to us at Wells Fargo Bank, N.A., P.O. Box\n14517, Des Moines, IA 50306 and describing the specific information that is inaccurate or\nin dispute and the basis for any dispute with supporting documentation. In the case of\ninformation that you believe relates to an identity theft, you will need to provide us with\nan identity theft report.\nASSIGNMENT. We have the right to assign your Account to another creditor. The other\ncreditor is then entitled to any rights we assign to them. You do not have the right to assign\nyour Account.\nClub Plans\nThese terms apply to Club Plans.\nCLUB PLANS. From time to time, certain Dillard\xe2\x80\x99s purchases may qualify as a Club Plan\npurchase. If a Sales Slip shows that Club Plan terms apply, then the purchase will be governed\nby the Club Plan terms (described below) and the terms of this Agreement. You accept the\nClub Plan terms by making the purchase.\n\xe2\x80\xa2 Club Plan 12. If a Sales Slip shows that Club Plan 12 terms apply, this means the payment\nis the amount required to pay the initial purchase balance in full in 12 equal monthly\npayments. Because of rounding, the final payment could be less than other payments.\n\xe2\x80\xa2 Club Plan 24. If a Sales Slip shows that Club Plan 24 terms apply, this means the payment\nis the amount required to pay the initial purchase balance in full in 24 equal monthly\npayments. Because of rounding, the final payment could be less than other payments.\n\xe2\x80\xa2 We will not charge you interest on a Club Plan 12 or Club Plan 24 balance. The payment\namount for any Club Plan 12 or Club Plan 24 balance(s) is included in the Total Minimum\nPayment Due (see Total Minimum Payment Due section).\nInterpreter Certification\nINTERPRETER CERTIFICATION. THIS CERTIFICATION APPLIES IF YOU CHOSE TO DISCUSS\nOPENING AN ACCOUNT WITH US IN SPANISH, CHINESE, KOREAN, VIETNAMESE, OR\nTAGALOG. By signing the credit card application, using or otherwise accepting the Card\nor related Account issued to you, you certify to Wells Fargo Bank, N.A. (us) that: (1) You\nhave received and discussed this Agreement with your interpreter and that you and your\ninterpreter have been given an opportunity to discuss with us the terms and conditions\ncontained in these enclosed documents; (2) Your interpreter is at least 18 years old and is\nfluent both in English and in the language in which you chose to discuss with us the terms\n\n3 of 5\n\n6102OA DILLARDS AMEX 0221\n\n\x0cand conditions of your Account, and is not employed by or made available through the\nMerchant; (3) You understand and agree to the terms and conditions contained in these\nenclosed documents as written.\nCERTIFICACI\xc3\x93N DE INT\xc3\x89RPRETE. ESTA CERTIFICACI\xc3\x93N SE APLICA SI USTED ELIGI\xc3\x93\nCONVERSAR CON NOSOTROS SOBRE LA APERTURA DE UNA CUENTA EN ESPA\xc3\x91OL, CHINO,\nCOREANO, VIETNAMITA O TAGALO. Al firmar la solicitud de tarjeta de cr\xc3\xa9dito, utilizar o\naceptar de otro modo la Tarjeta o la Cuenta relacionada que se le haya otorgado, usted\ncertifica a Wells Fargo Bank, N.A., (nosotros) que: (1) Usted ha recibido y analizado este\nContrato con su int\xc3\xa9rprete, y que usted y su int\xc3\xa9rprete han tenido la oportunidad de analizar\ncon nosotros los t\xc3\xa9rminos y condiciones contenidos en estos documentos adjuntos; (2) Su\nint\xc3\xa9rprete tiene por lo menos 18 a\xc3\xb1os de edad y habla con fluidez en ingl\xc3\xa9s y en el idioma\nen el que usted haya elegido analizar con nosotros los t\xc3\xa9rminos y condiciones de su Cuenta,\ny no es un empleado ni ofrece sus servicios a trav\xc3\xa9s del Comerciante; (3) Usted entiende y\nacepta los t\xc3\xa9rminos y condiciones contenidos en estos documentos adjuntos tal como se\nencuentran redactados.\n\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe8\xaa\x8d\xe8\xad\x89\xe3\x80\x82\xe6\x9c\xac\xe8\xaa\x8d\xe8\xad\x89\xe6\x96\xbc\xe7\x95\xb6\xe6\x82\xa8\xe9\x81\xb8\xe6\x93\x87\xe4\xbb\xa5\xe8\xa5\xbf\xe7\x8f\xad\xe7\x89\x99\xe8\xaa\x9e\xe3\x80\x81\xe4\xb8\xad\xe6\x96\x87\xe3\x80\x81\xe9\x9f\x93\xe8\xaa\x9e\xe3\x80\x81\xe8\xb6\x8a\xe5\x8d\x97\xe8\xaa\x9e\xe6\x88\x96\xe5\xa1\x94\xe5\x8a\xa0\xe6\x8b\x89\xe6\x97\x8f\xe8\xaa\x9e\xe8\x88\x87\n\xe6\x88\x91\xe5\x80\x91\xe8\xa8\x8e\xe8\xab\x96\xe9\x96\x8b\xe6\x88\xb6\xe4\xba\x8b\xe5\xae\x9c\xe4\xb9\x8b\xe6\x99\x82\xe9\x81\xa9\xe7\x94\xa8\xe3\x80\x82\xe4\xb8\x80\xe6\x97\xa6\xe6\x82\xa8\xe7\xb0\xbd\xe7\xbd\xb2\xe4\xbf\xa1\xe7\x94\xa8\xe5\x8d\xa1\xe7\x94\xb3\xe8\xab\x8b\xe8\xa1\xa8\xef\xbc\x8c\xe4\xbd\xbf\xe7\x94\xa8\xe6\x88\x96\xe4\xbb\xa5\xe5\x85\xb6\xe4\xbb\x96\xe6\x96\xb9\xe5\xbc\x8f\xe6\x8e\xa5\xe5\x8f\x97\xe6\xa0\xb8\xe7\x99\xbc\n\xe7\xb5\xa6\xe6\x82\xa8\xe7\x9a\x84\xe4\xbf\xa1\xe7\x94\xa8\xe5\x8d\xa1\xe6\x88\x96\xe7\x9b\xb8\xe9\x97\x9c\xe5\xb8\xb3\xe6\x88\xb6\xef\xbc\x8c\xe5\x8d\xb3\xe8\xa1\xa8\xe7\xa4\xba\xe6\x82\xa8\xe5\x90\x91\xe5\xaf\x8c\xe5\x9c\x8b\xe9\x8a\x80\xe8\xa1\x8c (Wells Fargo Bank, N.A.)\xef\xbc\x88\xe6\x88\x91\xe5\x80\x91\xef\xbc\x89\xe8\xad\x89\n\xe6\x98\x8e\xef\xbc\x9a(1) \xe6\x82\xa8\xe5\xb7\xb2\xe7\xb6\x93\xe6\x94\xb6\xe5\x88\xb0\xe4\xb8\xa6\xe8\x88\x87\xe6\x82\xa8\xe7\x9a\x84\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe8\xa8\x8e\xe8\xab\x96\xe9\x81\x8e\xe6\x9c\xac\xe5\x8d\x94\xe8\xad\xb0\xef\xbc\x8c\xe4\xb8\xa6\xe4\xb8\x94\xe6\x82\xa8\xe5\x92\x8c\xe6\x82\xa8\xe7\x9a\x84\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe9\x83\xbd\xe6\x9c\x89\xe6\xa9\x9f\xe6\x9c\x83\xe8\x88\x87\n\xe6\x88\x91\xe5\x80\x91\xe8\xa8\x8e\xe8\xab\x96\xe9\x80\x99\xe4\xba\x9b\xe6\x89\x80\xe9\x99\x84\xe6\x96\x87\xe4\xbb\xb6\xe4\xb8\xad\xe7\x9a\x84\xe6\xa2\x9d\xe6\xac\xbe\xe5\x92\x8c\xe6\xa2\x9d\xe4\xbb\xb6\xef\xbc\x9b(2) \xe6\x82\xa8\xe7\x9a\x84\xe7\xbf\xbb\xe8\xad\xaf\xe5\x93\xa1\xe8\x87\xb3\xe5\xb0\x91\xe5\xb9\xb4\xe6\xbb\xbf 18 \xe6\xad\xb2\xef\xbc\x8c\xe4\xb8\xa6\xe5\x85\xb7\xe6\x9c\x89\xe6\xb5\x81\xe5\x88\xa9\n\xe7\x9a\x84\xe8\x8b\xb1\xe8\xaa\x9e\xe8\x83\xbd\xe5\x8a\x9b\xe4\xb8\x94\xe6\xb7\xb1\xe8\xab\xb3\xe6\x82\xa8\xe6\x89\x80\xe9\x81\xb8\xe8\x88\x87\xe6\x88\x91\xe5\x80\x91\xe8\xa8\x8e\xe8\xab\x96\xe6\x82\xa8\xe7\x9a\x84\xe5\xb8\xb3\xe6\x88\xb6\xe6\xa2\x9d\xe6\xac\xbe\xe5\x92\x8c\xe6\xa2\x9d\xe4\xbb\xb6\xe7\x9a\x84\xe8\xaa\x9e\xe8\xa8\x80\xef\xbc\x8c\xe4\xb8\x94\xe5\x85\xb6\xe4\xb8\xa6\xe6\x9c\xaa\xe5\x8f\x97\xe5\x83\xb1\xe6\x96\xbc\xe5\x95\x86\n\xe5\xae\xb6\xe6\x88\x96\xe7\x94\xb1\xe5\x95\x86\xe5\xae\xb6\xe6\x8f\x90\xe4\xbe\x9b\xef\xbc\x9b(3) \xe6\x82\xa8\xe7\x90\x86\xe8\xa7\xa3\xe4\xb8\xa6\xe5\x90\x8c\xe6\x84\x8f\xe9\x81\xb5\xe5\xae\x88\xe9\x80\x99\xe4\xba\x9b\xe6\x89\x80\xe9\x99\x84\xe6\x96\x87\xe4\xbb\xb6\xe4\xb8\xad\xe7\x9a\x84\xe6\x9b\xb8\xe9\x9d\xa2\xe6\xa2\x9d\xe6\xac\xbe\xe5\x92\x8c\xe6\xa2\x9d\xe4\xbb\xb6\xe3\x80\x82\n\xed\x86\xb5\xec\x97\xad\xec\x82\xac \xec\xa6\x9d\xeb\xaa\x85. \xec\x9d\xb4 \xec\xa6\x9d\xeb\xaa\x85\xec\x9d\x80 \xea\xb3\x84\xec\xa2\x8c \xea\xb0\x9c\xec\x84\xa4\xec\x97\x90 \xea\xb4\x80\xed\x95\x9c \xec\x82\xac\xed\x95\xad\xec\x9d\x84 \xec\x8a\xa4\xed\x8e\x98\xec\x9d\xb8\xec\x96\xb4, \xec\xa4\x91\xea\xb5\xad\xec\x96\xb4, \xed\x95\x9c\xea\xb5\xad\xec\x96\xb4, \xeb\xb2\xa0\xed\x8a\xb8\xeb\x82\xa8\xec\x96\xb4\n\xeb\x98\x90\xeb\x8a\x94 \xed\x83\x80\xea\xb0\x88\xeb\xa1\x9c\xea\xb7\xb8\xec\x96\xb4\xeb\xa1\x9c \xeb\x85\xbc\xec\x9d\x98\xed\x95\x98\xea\xb8\xb0\xeb\xa1\x9c \xed\x95\x98\xec\x8b\xa0 \xea\xb2\xbd\xec\x9a\xb0\xec\x97\x90 \xec\xa0\x81\xec\x9a\xa9\xeb\x90\xa9\xeb\x8b\x88\xeb\x8b\xa4. \xec\x8b\xa0\xec\x9a\xa9\xec\xb9\xb4\xeb\x93\x9c \xec\x8b\xa0\xec\xb2\xad\xec\x84\x9c\xec\x97\x90\n\xec\x84\x9c\xeb\xaa\x85\xed\x95\x98\xec\x8b\x9c\xea\xb3\xa0, \xed\x9a\x8c\xec\x9b\x90\xeb\x8b\x98\xea\xbb\x98 \xeb\xb0\x9c\xea\xb8\x89\xeb\x90\x9c \xec\x8b\xa0\xec\x9a\xa9\xec\xb9\xb4\xeb\x93\x9c \xeb\x98\x90\xeb\x8a\x94 \xea\xb4\x80\xeb\xa0\xa8 \xea\xb3\x84\xec\xa2\x8c\xeb\xa5\xbc \xec\x82\xac\xec\x9a\xa9\xed\x95\x98\xea\xb1\xb0\xeb\x82\x98 \xec\x88\x98\xeb\x9d\xbd\xed\x95\x98\xec\x8b\x9c\xeb\x8a\x94\n\xea\xb2\x83\xec\x9d\x80 \xed\x9a\x8c\xec\x9b\x90\xeb\x8b\x98\xea\xbb\x98\xec\x84\x9c (1) \xeb\xb3\xb8 \xea\xb3\x84\xec\x95\xbd\xec\x84\x9c\xeb\xa5\xbc \xec\x88\x98\xeb\xa0\xb9\xed\x95\x98\xea\xb3\xa0 \xea\xb7\xb8 \xeb\x82\xb4\xec\x9a\xa9\xec\x9d\x84 \xeb\x8b\xb4\xeb\x8b\xb9 \xed\x86\xb5\xec\x97\xad\xec\x82\xac\xec\x99\x80 \xed\x95\xa8\xea\xbb\x98 \xea\xb2\x80\xed\x86\xa0\xed\x96\x88\xec\x9c\xbc\xeb\xa9\xb0\n\xed\x9a\x8c\xec\x9b\x90\xeb\x8b\x98\xea\xb3\xbc \xeb\x8b\xb4\xeb\x8b\xb9 \xed\x86\xb5\xec\x97\xad\xec\x82\xac\xeb\x8a\x94 \xeb\x8f\x99\xeb\xb4\x89\xeb\x90\x9c \xeb\xac\xb8\xec\x84\x9c\xec\x97\x90 \xea\xb8\xb0\xec\x9e\xac\xeb\x90\x9c \xec\x95\xbd\xea\xb4\x80\xec\x9d\x98 \xeb\x82\xb4\xec\x9a\xa9\xec\x9d\x84 \xeb\x8b\xb9\xec\x82\xac\xec\x99\x80 \xed\x95\xa8\xea\xbb\x98 \xeb\x85\xbc\xec\x9d\x98\xed\x95\xa0\n\xea\xb8\xb0\xed\x9a\x8c\xeb\xa5\xbc \xeb\xb6\x80\xec\x97\xac\xeb\xb0\x9b\xec\x95\x98\xea\xb3\xa0, (2) \xeb\x8b\xb4\xeb\x8b\xb9 \xed\x86\xb5\xec\x97\xad\xec\x82\xac\xeb\x8a\x94 18\xec\x84\xb8 \xec\x9d\xb4\xec\x83\x81\xec\x9d\xb4\xeb\xa9\xb0 \xed\x9a\x8c\xec\x9b\x90\xeb\x8b\x98 \xea\xb3\x84\xec\xa2\x8c\xec\x9d\x98 \xec\x95\xbd\xea\xb4\x80\xec\x97\x90 \xea\xb4\x80\xed\x95\xb4\n\xeb\x8b\xb9\xec\x82\xac\xec\x99\x80 \xeb\x85\xbc\xec\x9d\x98\xed\x95\xa0 \xeb\x95\x8c \xed\x9a\x8c\xec\x9b\x90\xeb\x8b\x98\xea\xbb\x98\xec\x84\x9c \xec\x82\xac\xec\x9a\xa9\xed\x95\x98\xea\xb8\xb0\xeb\xa1\x9c \xec\x84\xa0\xed\x83\x9d\xed\x95\x98\xec\x8b\xa0 \xec\x96\xb8\xec\x96\xb4\xec\x99\x80 \xec\x98\x81\xec\x96\xb4 \xeb\xaa\xa8\xeb\x91\x90\xec\x97\x90 \xeb\x8a\xa5\xed\x86\xb5\xed\x95\x9c\n\xec\x82\xac\xeb\x9e\x8c\xec\x9d\xb4\xea\xb3\xa0 Wells Fargo Bank, N.A.(\xeb\xaf\xb8\xea\xb5\xad)\xec\x97\x90\xec\x84\x9c \xec\xb1\x84\xec\x9a\xa9\xed\x95\x98\xea\xb1\xb0\xeb\x82\x98 \xec\x95\x8c\xec\x84\xa0\xed\x95\x9c \xec\x9d\xb8\xeb\xa0\xa5\xec\x9d\xb4 \xec\x95\x84\xeb\x8b\x88\xeb\xa9\xb0, (3)\n\xec\x9d\xb4 \xeb\x8f\x99\xeb\xb4\x89\xeb\x90\x9c \xeb\xac\xb8\xec\x84\x9c\xec\x97\x90 \xea\xb8\xb0\xeb\xa1\x9d\xeb\x90\x9c \xec\x95\xbd\xea\xb4\x80\xec\x9d\x98 \xeb\x82\xb4\xec\x9a\xa9\xec\x9d\x84 \xed\x9a\x8c\xec\x9b\x90\xeb\x8b\x98\xea\xbb\x98\xec\x84\x9c \xec\x9d\xb4\xed\x95\xb4\xed\x95\x98\xea\xb3\xa0 \xea\xb7\xb8\xec\x97\x90 \xeb\x8f\x99\xec\x9d\x98\xed\x96\x88\xec\x9d\x8c\xec\x9d\x84 Wells\nFargo Bank, N.A.(\xeb\xaf\xb8\xea\xb5\xad) \xec\xb8\xa1\xec\x97\x90 \xec\xa6\x9d\xeb\xaa\x85\xed\x95\x98\xec\x8b\xa0\xeb\x8b\xa4\xeb\x8a\x94 \xec\x9d\x98\xeb\xaf\xb8\xec\x9e\x85\xeb\x8b\x88\xeb\x8b\xa4.\nX\xc3\x81C NH\xe1\xba\xacN V\xe1\xbb\x80 TH\xc3\x94NG D\xe1\xbb\x8aCH VI\xc3\x8aN. PH\xe1\xba\xa6N X\xc3\x81C NH\xe1\xba\xacN N\xc3\x80Y \xc4\x90\xc6\xaf\xe1\xbb\xa2C \xc3\x81P D\xe1\xbb\xa4NG N\xe1\xba\xbeU\nQU\xc3\x9d V\xe1\xbb\x8a \xc4\x90\xc3\x83 CH\xe1\xbb\x8cN TH\xe1\xba\xa2O LU\xe1\xba\xacN V\xe1\xbb\x80 VI\xe1\xbb\x86C M\xe1\xbb\x9e TR\xc6\xaf\xc6\xa0NG M\xe1\xbb\xa4C T\xe1\xba\xa0I NG\xc3\x82N H\xc3\x80NG\nCH\xc3\x9aNG T\xc3\x94I B\xe1\xba\xb0NG TI\xe1\xba\xbeNG T\xc3\x82Y BAN NHA, TRUNG QU\xe1\xbb\x90C, H\xc3\x80N QU\xe1\xbb\x90C, VI\xe1\xbb\x86T NAM\nHO\xe1\xba\xb6C TAGALOG. V\xe1\xbb\x9bi vi\xe1\xbb\x87c k\xc3\xbd \xc4\x91\xc6\xa1n xin c\xe1\xba\xa5p th\xe1\xba\xbb t\xc3\xadn d\xe1\xbb\xa5ng, s\xe1\xbb\xad d\xe1\xbb\xa5ng hay n\xe1\xba\xbfu kh\xc3\xb4ng th\xc3\xac ch\xe1\xba\xa5p nh\xe1\xba\xadn\nTh\xe1\xba\xbb n\xc3\xa0y hay Tr\xc6\xb0\xc6\xa1ng m\xe1\xbb\xa5c li\xc3\xaan quan \xc4\x91\xc6\xb0\xe1\xbb\xa3c c\xe1\xba\xa5p cho qu\xc3\xbd v\xe1\xbb\x8b, qu\xc3\xbd v\xe1\xbb\x8b x\xc3\xa1c nh\xe1\xba\xadn v\xe1\xbb\x9bi Wells Fargo Bank,\nN.A. (ch\xc3\xbang t\xc3\xb4i) r\xe1\xba\xb1ng: (1) Qu\xc3\xbd v\xe1\xbb\x8b \xc4\x91\xc3\xa3 nh\xe1\xba\xadn \xc4\x91\xc6\xb0\xe1\xbb\xa3c v\xc3\xa0 th\xe1\xba\xa3o lu\xe1\xba\xadn v\xe1\xbb\x9bi th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a m\xc3\xacnh v\xe1\xbb\x81\nTh\xe1\xbb\x8fa thu\xe1\xba\xadn n\xc3\xa0y, v\xc3\xa0 qu\xc3\xbd v\xe1\xbb\x8b c\xc5\xa9ng nh\xc6\xb0 th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan \xc4\x91\xe1\xbb\x81u \xc4\x91\xc3\xa3 c\xc3\xb3 c\xc6\xa1 h\xe1\xbb\x99i trao \xc4\x91\xe1\xbb\x95i v\xe1\xbb\x9bi ch\xc3\xbang t\xc3\xb4i v\xe1\xbb\x81\nc\xc3\xa1c \xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0 \xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n ghi trong nh\xe1\xbb\xafng t\xc3\xa0i li\xe1\xbb\x87u \xc4\x91\xc3\xadnh k\xc3\xa8m n\xc3\xa0y; (2) Th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a\nqu\xc3\xbd v\xe1\xbb\x8b ph\xe1\xba\xa3i t\xe1\xbb\xab 18 tu\xe1\xbb\x95i tr\xe1\xbb\x9f l\xc3\xaan, th\xc3\xb4ng th\xe1\xba\xa1o c\xe1\xba\xa3 ti\xe1\xba\xbfng Anh c\xc5\xa9ng nh\xc6\xb0 ng\xc3\xb4n ng\xe1\xbb\xaf m\xc3\xa0 qu\xc3\xbd v\xe1\xbb\x8b \xc4\x91\xc3\xa3 ch\xe1\xbb\x8dn s\xe1\xbb\xad\nd\xe1\xbb\xa5ng \xc4\x91\xe1\xbb\x83 trao \xc4\x91\xe1\xbb\x95i v\xe1\xbb\x9bi ch\xc3\xbang t\xc3\xb4i v\xe1\xbb\x81 c\xc3\xa1c \xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0 \xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n c\xe1\xbb\xa7a Tr\xc6\xb0\xc6\xa1ng m\xe1\xbb\xa5c, v\xc3\xa0 kh\xc3\xb4ng ph\xe1\xba\xa3i\nl\xc3\xa0 nh\xc3\xa2n vi\xc3\xaan c\xe1\xbb\xa7a B\xc3\xaan b\xc3\xa1n ho\xe1\xba\xb7c \xc4\x91\xc6\xb0\xe1\xbb\xa3c B\xc3\xaan b\xc3\xa1n gi\xe1\xbb\x9bi thi\xe1\xbb\x87u ; (3) Qu\xc3\xbd v\xe1\xbb\x8b hi\xe1\xbb\x83u v\xc3\xa0 \xc4\x91\xe1\xbb\x93ng \xc3\xbd v\xe1\xbb\x9bi nguy\xc3\xaan\nv\xc4\x83n n\xe1\xbb\x99i dung c\xe1\xbb\xa7a c\xc3\xa1c \xc4\x91i\xe1\xbb\x81u kho\xe1\xba\xa3n v\xc3\xa0 \xc4\x91i\xe1\xbb\x81u ki\xe1\xbb\x87n \xc4\x91\xc6\xb0\xe1\xbb\xa3c ghi trong nh\xe1\xbb\xafng t\xc3\xa0i li\xe1\xbb\x87u \xc4\x91\xc3\xadnh k\xc3\xa8m n\xc3\xa0y.\nSERTIPIKASYON NG TAGAPAGSALING-WIKA. ILALAPAT ANG SERTIPIKASYONG ITO\nKUNG NAPILI MONG TALAKAYIN ANG PAGBUBUKAS NG ACCOUNT SA AMIN SA SPANISH,\nCHINESE, KOREAN, VIETNAMESE, O TAGALOG. Sa paglagda ng aplikasyon sa credit card,\npaggamit o kundi man ay pagtanggap ng Card o kaugnay na Account na ibinigay sa iyo,\npinatototohanan mo sa Wells Fargo Bank, N.A. (sa amin) na: (1) Natanggap mo at tinalakay\nang Kasunduang ito sa iyong tagapagsaling-wika at ikaw at ang iyong tagapagsalingwika ay nabigyan ng pagkakataong talakayin sa amin ang mga tuntunin at kundisyon na\nmatatagpuan sa mga nakalakip na dokumentong ito; (2) Ang iyong tagapagsaling-wika ay\nhindi mas bata sa 18 taong gulang at lubos na marunong sa Ingles at sa wika na napili mo\npara talakayin sa amin ang mga tuntunin at kundisyon ng iyong Account, at hindi nakaempleyo sa o nakuha sa pamamagitan ng Mangangalakal (o \xe2\x80\x9cMerchant\xe2\x80\x9d); (3) Nauunawaan\nat sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na\ndokumentong ito ayon sa nakasulat.\nNotices\nIN NEW JERSEY: Certain provisions of this Agreement are subject to applicable law. As a\nresult, they may be void, unenforceable or inapplicable in some jurisdictions. None of these\nprovisions, however, is void, unenforceable or inapplicable in New Jersey.\nIN OHIO: The Ohio laws against discrimination require that all creditors make credit\nequally available to all creditworthy customers, and that credit reporting agencies maintain\nseparate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nIN WISCONSIN: If you are married, please contact us immediately at: 1-855-412-2787 and\nprovide us with the name and address of your spouse. We are required by law to inform your\nspouse that you have opened an account with us. Also, please note that no provision of a\nmarital property agreement (including a Statutory Individual Property Agreement pursuant\nto Sec. 766.587, Wis. Stat.), unilateral statement classifying income from separate property\nunder Sec. 766.59, or court decree under Sec. 766.70 adversely affects the creditor unless\nthe creditor is furnished with a copy of the document prior to the credit transaction or has\nactual knowledge of its adverse provisions at the time the obligation is incurred.\nTHE MILITARY LENDING ACT NOTICE: Federal law provides important protections\nto members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the costs of consumer credit to a member of the Armed\nForces and his or her spouse or dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account). Please Note:\nThere are NO credit insurance premiums, fees for ancillary products, or application\nfees with this Account.\n\nYou may contact us at 1-844-363-9971 for information about the Military Annual\nPercentage Rate and a description of your payment obligation.\nThe Arbitration Agreement does not apply to you if you are covered by the Military\nLending Act nor do any provisions that waive any right to legal recourse under any\nstate or federal law to the extent required by the Military Lending Act.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing\nAct.\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:\nDillard\xe2\x80\x99s Card Services / Wells Fargo Bank, N.A.\nP.O. Box 522\nDes Moines, IA 50306-0522\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\nbelieve 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\npayment 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\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion.\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\nwill also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to\nyou 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\namount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\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\nother 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,\nalong with applicable interest and fees. We will send you a statement of the amount\nyou owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount\nyou 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\ncard, and you have tried in good faith to correct the problem with the merchant, you may\nhave 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\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your Credit Card Account do not\nqualify.\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\nus in writing at:\nDillard\xe2\x80\x99s Card Services / Wells Fargo Bank, N.A.\nP.O. Box 522\nDes Moines, IA 50306-0522\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\nThe credit card program is issued and administered by Wells Fargo Bank, N.A. pursuant to\na license from American Express. American Express is a federally registered service mark\nof American Express.\n\n4 of 5\n\n6102OA DILLARDS AMEX 0221\n\n\x0cDILLARD\xe2\x80\x99S AMERICAN EXPRESS\xc2\xae CREDIT CARD AGREEMENT\nImportant Terms of Your Credit Card Account\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nThis APR will vary with the market based on the U.S. Prime Rate.\nfor Purchases\nAPR for Cash Advances\n26.99%\nThis APR will vary with the market based on the U.S. Prime Rate.\nPaying Interest\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances on the transaction date.\nMinimum Interest Charge\nIf you are charged interest, the charge will be no less than $1.00.\n\n24.99%\n\nFor Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card, visit the website\nConsumer Financial Protection of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.\nBureau\nFees\nAnnual Fee\nNone\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\nEither $10.00 or 4% of the amount of each cash advance, whichever is greater.\n\xe2\x80\xa2 Foreign Currency Conversion 3% of each transaction converted to U.S. dollars\nPenalty Fees\n\xe2\x80\xa2\nUp to $40.00\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement.\nHow We Will Calculate Your Late Payment Fee: The fee will be the lesser of the Total Minimum Payment Due or $29.00. For any subsequent\nevent within a rolling six billing cycle period, the fee will be the lesser of the Total Minimum Payment Due or $40.00.\nHow We Will Calculate Your Variable APRs: The APR used to figure interest for purchases on your Account is figured by adding a margin\nof 21.74 percentage points to the U.S. Prime Rate for that Billing Cycle. The APR used to figure interest for cash advances is figured by\nadding a margin of 23.74 percentage points to the U.S. Prime Rate. These rates vary with the market based on the U.S. Prime Rate. See your\nAgreement for more details.\nThe information about the cost of credit described in this Agreement is accurate as of February 2021. This information may have changed\nafter that date. To find out what may have changed, call us at 1-866-834-6294.\nARBITRATION AGREEMENT\nBinding Arbitration. You and Wells Fargo Bank, N.A. (the \xe2\x80\x9cBank\xe2\x80\x9d), including the Bank\xe2\x80\x99s assignees, agents, employees, officers, directors, shareholders, parent companies,\nsubsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand by either you or the Bank, the\nDispute shall be resolved by the following arbitration process. However, the Bank shall not initiate an arbitration to collect a consumer debt, but reserves the right to arbitrate\nall other disputes with its consumer customers. A \xe2\x80\x9cDispute\xe2\x80\x9d is any unresolved disagreement between you and the Bank. It includes any disagreement relating in any way to\nyour Credit Card Account (\xe2\x80\x9cAccount\xe2\x80\x9d) or related services. It includes claims based on broken promises or contracts, torts, or other wrongful actions. It also includes statutory,\ncommon law and equitable claims. A Dispute also includes any disagreements about the meaning or application of this Arbitration Agreement. This Arbitration Agreement\nshall survive the payment or closure of your Account. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in\na public court. As the sole exception to this Arbitration Agreement, you and the Bank retain the right to pursue in small claims court any Dispute that is within that court\xe2\x80\x99s\njurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful demand, the party so failing bears all costs and expenses incurred by the other in\ncompelling arbitration.\nArbitration Procedure; Severability. Either you or the Bank may submit a Dispute to binding arbitration at any time notwithstanding that a lawsuit or other proceeding\nhas been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others in any arbitration, or to include in\nany arbitration any dispute as a representative or member of a class, or to act in a private attorney general capacity. Each arbitration, including the selection of the\narbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank may mutually agree to (the AAA or such\nother mutually agreeable administrator to be referred to hereinafter as the \xe2\x80\x9cArbitration Administrator\xe2\x80\x9d), according to the Commercial Arbitration Rules and the Supplemental\nProcedures for Consumer Related Disputes (\xe2\x80\x9cAAA Rules\xe2\x80\x9d). To the extent that there is any variance between the AAA Rules and this Arbitration Agreement, this Arbitration\nAgreement shall control. Arbitrator(s) must be members of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter\nof the Dispute. No arbitrator or other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by a party\nrequired in the ordinary course of its business or by applicable law or regulation. You and the Bank (the \xe2\x80\x9cParties\xe2\x80\x9d) agree that in this relationship: (1) The Parties are participating\nin transactions involving interstate commerce; and (2) This Arbitration Agreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act\n(Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of South Dakota. If any of the\nprovisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is\nfound to be illegal or unenforceable, that invalid provision shall not be severable and this entire Arbitration Agreement shall be unenforceable.\nRights Preserved. This Arbitration Agreement does not prohibit the Parties from exercising any lawful rights or using other available remedies to preserve, foreclose or obtain\npossession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive\nrelief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. Any statute of limitations applicable to any Dispute applies to any\narbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, amendment or expiration of the Account or any other relationship\nbetween you and the Bank.\nFees and Expenses of Arbitration. Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please\ncheck with the Arbitration Administrator to determine the fees applicable to any arbitration you may file. If the applicable law of the state in which you opened your Account\nlimits the amount of fees and expenses to be paid by you, then no allocation of fees and expenses to you shall exceed this limitation. Unless inconsistent with applicable law,\neach of us shall bear the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration.\nMilitary Lending Act. The Arbitration Agreement does not apply to you if you are covered by the Military Lending Act nor do any provisions that waive any right to legal\nrecourse under any state or federal law to the extent required by the Military Lending Act. Please see The Military Lending Act Notice in the Agreement for more information.\n5 of 5\n\n6102OA DILLARDS AMEX 0221\n\n\x0c'