b'PRICING ADDENDUM FOR DILLARD\xe2\x80\x99S 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\nHow to Avoid Paying Interest\non Purchases\nMinimum Interest Charge\nFees\nAnnual Fee\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nThis APR will vary with the market based on the U.S. Prime Rate (\xe2\x80\x9cIndex Rate\xe2\x80\x9d).\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.\nIf you are charged interest, the charge will be no less than $1.00.\n\nNone\nUp to $40.00\n\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. This rate varies with the market based on the U.S. Prime Rate. See\nyour Agreement 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 1-800-643-8278.\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\nAPR for Purchases\n\n24.99%\n\n1 of 5\n\n6102OA DILLARDS PL 0221\n\n\x0cDILLARD\xe2\x80\x99S CREDIT CARD AGREEMENT\nNotice to California Cardmembers\nTo our California customers who have discussed credit card terms and conditions with\nus in 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\nbago mo 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\nCard Account (\xe2\x80\x9cAccount\xe2\x80\x9d) with us. It includes the Important Terms of Your Credit Card\nAccount. You accept the terms of this Agreement by opening or using your Account.\nYour signature on your application or solicitation for this Account, including without\nlimitation any electronic or digital signature, as well as your signature on Sales Slips or\nany Account-related document, represents your signature on this Agreement. Please\nread this Agreement carefully and save it for future reference.\nPARTIES TO THIS AGREEMENT. This Agreement is made between Wells Fargo Bank,\nN.A., P.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\n(\xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d).\nCONTACTING US. Unless stated otherwise in this Agreement, you may contact us at\nthe phone 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\nA summary of your Account\xe2\x80\x99s Annual Percentage Rates (\xe2\x80\x9cAPRs\xe2\x80\x9d),\nof Your Credit Card fees and other important information.\nAccount\nNew Balance\n\nThe Outstanding Balance as of a statement closing date.\n\nOutstanding\nBalance\n\nThe sum of all unpaid amounts, including purchases, interest,\nfees and any other amounts that you may owe us.\n\nPayment Address\n\nThe address where you mail your payment. It is located on your\nPayment Stub.\n\nPayment Due Date The date the Total Minimum Payment Due is due to us. It is\nshown on your statement.\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 from Dillard\xe2\x80\x99s\nlocations, including Dillard\xe2\x80\x99s website. Purchases will be part of the regular balance\nunless a Dillard\xe2\x80\x99s Sales Slip shows that Club Plan terms apply. If Club Plan terms apply,\nthe purchase will be part of a Club Plan balance. Club Plans are described later in this\nAgreement (see Club Plans section).\nYou promise that you will use your Account only for lawful personal, family or household\npurposes.\nPROMISE TO PAY. When you use your Account, or let someone else use it, you promise\nto pay the total amount of the purchase, as well as any interest, fees or other amounts\nthat 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\nof credit we will extend to your Account. Your Credit Limit is provided with your Card and\non each of your statements. You promise to use your Account only to the Credit Limit.\nIf you exceed your Credit Limit, we may authorize the transaction without increasing\nyour Credit Limit. If you exceed your Credit Limit, you will remain liable for all amounts\npayable under this Agreement. We can adjust your Credit Limit at any time.\nFees and Interest\x08\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\nregular balance.\nINTEREST RATES. The daily periodic rates are calculated by dividing each applicable\nAPR by 365. The APRs used to figure interest on balances are shown in the Important\nTerms of Your Credit Card Account.\n\nPRIME RATE. The Prime Rate we use is the U.S. Prime Rate published in the Money\nRates section of The Wall Street Journal. We select the Prime Rate published on the first\nbusiness day of the month preceding the month of the quarterly rate change date. If\nmore than one Prime Rate is published, we will use the average of the Prime Rates. If\nthe Prime Rate is no longer published or is not available, we may select a similar rate.\nThe APR will increase or decrease if the Prime Rate increases or decreases and this\nwill also cause the daily periodic rate to increase or decrease. An increase or decrease\nin the APR will increase or decrease the total amount of interest you pay. It may also\nincrease or decrease the Total Minimum Payment Due. The rate change date for each\nquarter is the first day of the first Billing Cycle beginning on or after January 1, April 1,\nJuly 1, and October 1.\nWHEN WE CHARGE INTEREST. Unless stated otherwise below, we begin charging\ninterest on a purchase or interest charge on the date the purchase or interest charge\nposts to your Account. We begin charging interest on a fee on the first day of the Billing\nCycle following the Billing Cycle in which the fee posts to your Account. However, if a\nlate payment fee is posted to your Account in the current Billing Cycle, but is related\nto a late payment in the prior Billing Cycle, we will begin charging interest on the fee\non the first day of the current Billing Cycle.\nHOW TO AVOID PAYING INTEREST ON PURCHASES. Except as described in the Club\nPlans section below, to avoid paying interest on new Purchases you have to pay your entire\nNew Balance by the Due Date on your statement each Billing Period.\nHOW WE CALCULATE INTEREST\xe2\x80\x94AVERAGE DAILY BALANCE METHOD\n(INCLUDING NEW PURCHASES). The total interest charge is the sum of interest\ncharges for each type of balance on your Account (e.g. regular balance). We figure the\ninterest charge for each type of balance on your Account by applying the daily periodic\nrate to the average daily balance (\xe2\x80\x9cADB\xe2\x80\x9d). Then, we multiply this amount by the number\nof days in 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\nbalance on the first day of each Billing Cycle. The beginning balance on the first day of\nthe Billing Cycle includes the following:\n\xe2\x80\xa2 The prior Billing Cycle\xe2\x80\x99s ending balance, which includes any unpaid fees posted to\nyour Account 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\npayment in the prior Billing Cycle.\nTo get the ADB for each type of balance, we take the beginning balance each day and\nadd any new purchases. Except for the first day of each Billing Cycle, we add interest\nequal to the previous day\xe2\x80\x99s balance multiplied by the daily periodic rate. (This means\ninterest 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.\nThen, we add up all the daily balances for the Billing Cycle. We divide this amount by\nthe number of 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\nDue by the Payment Due Date. The Total Minimum Payment Due is the greater of (A)\nor (B), plus (C):\n(A) $29.00 (or $40.00 if we do not receive the Total Minimum Payment Due by the\nPayment Due Date in any one of the prior six Billing Cycles)\n(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\nsection).\nThe Total Minimum Payment Due will never be more than the New Balance. If you pay\nmore than the Total Minimum Payment Due but less than the Outstanding Balance,\nyou are still required 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\nPayment Address. Payments received by 5:00 p.m. local time at the Payment Address\nwill be credited as of the date of receipt. Payments received after the 5:00 p.m. cut-off\ntime will be credited as of the next day. When you provide a check as payment, you\nauthorize us either to use information from your check to make a one-time electronic\nfund transfer from your account or to process the payment as a check transaction.\nWhen we use information from your check to make an electronic fund transfer, funds\nmay be withdrawn from your account as soon as the same day we receive your\npayment, and you will not receive your check back from your financial institution.\nYour billing statement also explains how information 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\non your statement. The cut-off time for online payments will be disclosed at the time\nof the transaction.\n\n2 of 5\n\n6102OA DILLARDS PL 0221\n\n\x0c\xe2\x80\xa2 You also can make a payment at a Dillard\xe2\x80\x99s store. Payments received at the Dillard\xe2\x80\x99s\nstore location 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\nfive days after we receive it. You may at any time pay, in whole or in part, the Outstanding\nBalance without any additional charge for prepayment.\nSome of your available line of credit may be held at our discretion, until your payment\nis honored.\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\nreceive full payment. If you intend to claim to pay your Account in full with an amount\nless than the Outstanding Balance, payments must be sent to us at Wells Fargo Bank,\nN.A., P.O. Box 10311, Des Moines, IA 50306-0311.\nAPPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the\nTotal Minimum Payment Due at our discretion. We apply any payment amounts in\nexcess of the Total Minimum Payment Due to balances with higher APRs before lower\nAPRs.\nAny payment in excess of the Total Minimum Payment Due is applied based on the\nbalances reflected on your last statement. We post payments in the Billing Cycle they\nare received.\nOther Information\nCANCELLATION. We may close your Account at any time and for any reason. You may\nalso close the Account at any time by contacting us. If that happens, you must still repay\nthe balance owed according to the terms of this Agreement. If we close the Account,\nnotice may be 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\ncan process 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,\nyou will continue to be liable for any charges made after you advised us of your wish\nto cancel the privileges, unless you tell us to cancel all Cards and establish a new\nAccount 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\nuser. Each authorized user\xe2\x80\x99s privilege ends automatically upon the death of all account\nholders. If any person uses the Card, such use indicates his or her agreement to pay\nus, and we may, at our discretion, pursue the person for payment of any Outstanding\nBalance or any other charges they authorize. You agree to notify each authorized user\nthat they are subject to all applicable sections of this Agreement.\nCONTACTING YOU. By providing us with any phone number, you are expressly\nconsenting permission to contact you at that number about all of your Wells Fargo\naccounts. You give consent to allow us to contact your past, present and future phone\nservice providers to verify the information you have provided against their records.\nYou agree that your phone service providers may verify any phone numbers you have\nsupplied to the name, address, and status on their records. In order for us to service\nyour Account or to collect any amounts you may owe, you agree that we may contact\nyou using any contact information related to your Account, including any number (i)\nyou have provided to us, (ii) from which you called us, or (iii) which we obtained and\nreasonably believe we can reach you. We may use any means to contact you. This may\ninclude contact from companies working on our behalf to service your Accounts. This\nmay include automated dialing devices, prerecorded/artificial voice messages, mail,\ne-mail, text messages and calls to your mobile, wireless or similar device or Voice over\nInternet Protocol (VolP) service, or any other data or voice transmission technology.\nYou are responsible for any service provider charges as a result of us contacting you.\nYou agree to promptly notify us if you change any contact information you provide to\nus. 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.\nLOST OR STOLEN CARDS AND LIABILITY FOR UNAUTHORIZED USE. You agree to\ncontact us immediately if your Card is lost or stolen or if you believe your Account is\nbeing used without your permission. You may contact us at: 1-800-643-8278 or P.O. Box\n10347, Des Moines, IA 50306. You agree to assist us in our investigation of the matter.\nIf you do this, you will not be held liable for the unauthorized use of your Account,\nbut you will be responsible for all use by anyone you give your Card to or allow to use\nyour 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\nauthorize further transactions, closing your Account, and requiring the immediate\npayment of the Outstanding Balance. If your Account is in default, you also agree to\npay our collection costs, attorney\xe2\x80\x99s fees, and court costs.\nGOVERNING LAW. Federal law and the laws of South Dakota govern this Agreement\nand your Account.\n\nCHANGE IN TERMS. We may change this Agreement at any time. These changes\nmay apply to existing and future balances. We will give you advance written notice\nof the change(s) and a right to reject the change(s) if required by law. We may\nrequire you to 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\nwithout losing them. We may waive or delay enforcing a right against one of you\nwithout waiving it 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\nprovision will 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\nuse the information in connection with the credit program and for things like creating\nand updating its records and offering you special benefits. Federal or state laws may\nlimit our ability to share your personal and/or Account information with Dillard\xe2\x80\x99s, Inc.\neven though you have given us this authorization. We comply with these federal and\nstate laws. Please refer to the Wells Fargo Bank, N.A. Dillard\xe2\x80\x99s Privacy Notice for more\ninformation about how we collect, share, and protect your information, as well as how\nyou may limit some, but not all, 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\ncredit, employment, assets, and income records and to verify your credit references.\nYou also authorize us to obtain credit reports on you from time to time.\nINFORMATION REPORTING. You agree that we may report your performance,\nstatus, and history under this Agreement to consumer reporting agencies. If you\nrequest additional Cards on your Account for others, you understand that we may\nreport Account information in your name as well as in the names of those additional\ncardmembers. If you fail to comply with the terms of the Account as defined in this\nAgreement, it will be furnished to the credit reporting agencies and it could cause\na negative reference on your credit report and the credit reports of any additional\ncardmembers. You have the right to dispute the accuracy of information that we have\nreported by writing to us at Wells Fargo Bank, N.A., P.O. Box 14517, Des Moines, IA 50306\nand describing the specific information that is inaccurate or in dispute and the basis for\nany dispute with supporting documentation. In the case of information that you believe\nrelates to an identity theft, you will need to provide us with an 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\nassign your 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\ngoverned by the Club Plan terms (described below) and the terms of this Agreement.\nYou accept the Club 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\npayment is the amount required to pay the initial purchase balance in full in 12\nequal monthly payments. Because of rounding, the final payment could be less\nthan other payments.\n\xe2\x80\xa2 Club Plan 24. If a Sales Slip shows that Club Plan 24 terms apply, this means the\npayment is the amount required to pay the initial purchase balance in full in 24\nequal monthly payments. Because of rounding, the final payment could be less\nthan other payments.\n\xe2\x80\xa2 We will not charge you interest on a Club Plan 12 or Club Plan 24 balance. The\npayment amount for any Club Plan 12 or Club Plan 24 balance(s) is included in the\nTotal Minimum Payment Due (see Total Minimum Payment Due section).\nInterpreter Certification\nINTERPRETER CERTIFICATION. THIS CERTIFICATION APPLIES IF YOU CHOSE TO\nDISCUSS OPENING AN ACCOUNT WITH US IN SPANISH, CHINESE, KOREAN, VIETNAMESE,\nOR TAGALOG. By signing the credit card application, using or otherwise accepting the\nCard or related Account issued to you, you certify to Wells Fargo Bank, N.A. (us) that:\n(1) You have received and discussed this Agreement with your interpreter and that\nyou and your interpreter have been given an opportunity to discuss with us the terms\nand conditions contained in these enclosed documents; (2) Your interpreter is at least\n18 years old and is fluent both in English and in the language in which you chose to\ndiscuss with us the terms and conditions of your Account, and is not employed by or\nmade available through the Merchant; (3) You understand and agree to the terms and\nconditions contained in these enclosed 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,\nCHINO, COREANO, VIETNAMITA O TAGALO. Al firmar la solicitud de tarjeta de cr\xc3\xa9dito,\nutilizar o aceptar de otro modo la Tarjeta o la Cuenta relacionada que se le haya\notorgado, usted certifica a Wells Fargo Bank, N.A., (nosotros) que: (1) Usted ha recibido\ny analizado este Contrato con su int\xc3\xa9rprete, y que usted y su int\xc3\xa9rprete han tenido la\noportunidad de analizar con nosotros los t\xc3\xa9rminos y condiciones contenidos en estos\ndocumentos adjuntos; (2) Su int\xc3\xa9rprete tiene por lo menos 18 a\xc3\xb1os de edad y habla con\nfluidez en ingl\xc3\xa9s y en el idioma en el que usted haya elegido analizar con nosotros los\nt\xc3\xa9rminos y condiciones de su Cuenta, y no es un empleado ni ofrece sus servicios a trav\xc3\xa9s\ndel Comerciante; (3) Usted entiende y acepta los t\xc3\xa9rminos y condiciones contenidos en\nestos documentos adjuntos tal como se encuentran redactados.\n\n3 of 5\n\n6102OA DILLARDS PL 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\xea\xb3\x84\xec\xa2\x8c\xeb\xa5\xbc \xec\x82\xac\xec\x9a\xa9\xed\x95\x98\xea\xb1\xb0\xeb\x82\x98\n\xec\x88\x98\xeb\x9d\xbd\xed\x95\x98\xec\x8b\x9c\xeb\x8a\x94 \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\n\xed\x95\xa8\xea\xbb\x98 \xea\xb2\x80\xed\x86\xa0\xed\x96\x88\xec\x9c\xbc\xeb\xa9\xb0 \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\n\xeb\x8b\xb9\xec\x82\xac\xec\x99\x80 \xed\x95\xa8\xea\xbb\x98 \xeb\x85\xbc\xec\x9d\x98\xed\x95\xa0 \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\n\xea\xb3\x84\xec\xa2\x8c\xec\x9d\x98 \xec\x95\xbd\xea\xb4\x80\xec\x97\x90 \xea\xb4\x80\xed\x95\xb4 \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\n\xec\x98\x81\xec\x96\xb4 \xeb\xaa\xa8\xeb\x91\x90\xec\x97\x90 \xeb\x8a\xa5\xed\x86\xb5\xed\x95\x9c \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\n\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) \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\n\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 Fargo 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\n\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\nN\xe1\xba\xbeU QU\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\nH\xc3\x80NG CH\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,\nVI\xe1\xbb\x86T NAM HO\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\nkh\xc3\xb4ng th\xc3\xac ch\xe1\xba\xa5p nh\xe1\xba\xadn Th\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\nnh\xe1\xba\xadn v\xe1\xbb\x9bi Wells Fargo Bank, N.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\nv\xe1\xbb\x9bi th\xc3\xb4ng d\xe1\xbb\x8bch vi\xc3\xaan c\xe1\xbb\xa7a m\xc3\xacnh v\xe1\xbb\x81 Th\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\n\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 c\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\nli\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 qu\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\nti\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 d\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\n\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 l\xc3\xa0 nh\xc3\xa2n vi\xc3\xaan c\xe1\xbb\xa7a B\xc3\xaan b\xc3\xa1n ho\xe1\xba\xb7c\n\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 v\xc4\x83n n\xe1\xbb\x99i dung c\xe1\xbb\xa7a c\xc3\xa1c \xc4\x91i\xe1\xbb\x81u\nkho\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\nITO KUNG NAPILI MONG TALAKAYIN ANG PAGBUBUKAS NG ACCOUNT SA AMIN SA\nSPANISH, CHINESE, KOREAN, VIETNAMESE, O TAGALOG. Sa paglagda ng aplikasyon\nsa credit card, paggamit o kundi man ay pagtanggap ng Card o kaugnay na Account\nna ibinigay sa iyo, pinatototohanan mo sa Wells Fargo Bank, N.A. (sa amin) na: (1)\nNatanggap mo at tinalakay ang Kasunduang ito sa iyong tagapagsaling-wika at ikaw\nat ang iyong tagapagsaling-wika ay nabigyan ng pagkakataong talakayin sa amin ang\nmga tuntunin at kundisyon na matatagpuan sa mga nakalakip na dokumentong ito;\n(2) Ang iyong tagapagsaling-wika ay hindi mas bata sa 18 taong gulang at lubos na\nmarunong sa Ingles at sa wika na napili mo para talakayin sa amin ang mga tuntunin\nat kundisyon ng iyong Account, at hindi naka-empleyo sa o nakuha sa pamamagitan\nng Mangangalakal (o \xe2\x80\x9cMerchant\xe2\x80\x9d); (3) Nauunawaan at sinasang-ayunan mo ang mga\ntuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito ayon sa\nnakasulat.\nNotices\nIN NEW JERSEY: Certain provisions of this Agreement are subject to applicable law. As\na result, they may be void, unenforceable or inapplicable in some jurisdictions. None\nof these provisions, 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\nmaintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nIN WISCONSIN: If you are married, please contact us immediately at: 1-855-412-2787\nand provide us with the name and address of your spouse. We are required by law to\ninform your spouse that you have opened an account with us. Also, please note that\nno provision of a marital property agreement (including a Statutory Individual Property\nAgreement pursuant to Sec. 766.587, Wis. Stat.), unilateral statement classifying income\nfrom separate property under Sec. 766.59, or court decree under Sec. 766.70 adversely\naffects the creditor unless the creditor is furnished with a copy of the document prior\nto the credit transaction or has actual knowledge of its adverse provisions at the time\nthe 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.\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.\n\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling 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:\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\nstop 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\nwe are not required to investigate any potential errors and you may have to pay the\namount 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\nletter. We will 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\nto 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\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you 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\ninterest 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,\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\ndo not 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\nas delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations 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\namount 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\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou 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\nyour current mailing address, and the purchase price must have been more than\n$50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods\nor 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\nnot 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,\ncontact us 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\nabove. After we finish our investigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may report you as delinquent.\n\n4 of 5\n\n6102OA DILLARDS PL 0221\n\n\x0cDILLARD\xe2\x80\x99S 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\nHow to Avoid Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest\non Purchases\non purchases if you pay your entire balance by the due date each month.\nMinimum Interest Charge\nIf you are charged interest, the charge will be no less than $1.00.\nFor Credit Card Tips from the\nTo 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\n\n24.99%\n\nFees\nAnnual Fee\nNone\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 of\n21.74 percentage points to the U.S. Prime Rate for that Billing Cycle. This rate varies 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 1-800-643-8278\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\ncompanies, subsidiaries, affiliates, predecessors and successors, agree that if a Dispute (as defined below) arises between you and the Bank, upon demand by either\nyou or the Bank, the Dispute shall be resolved by the following arbitration process. However, the Bank shall not initiate an arbitration to collect a consumer debt,\nbut reserves the right to arbitrate all other disputes with its consumer customers. A \xe2\x80\x9cDispute\xe2\x80\x9d is any unresolved disagreement between you and the Bank. It includes\nany disagreement relating in any way to your Credit Card Account (\xe2\x80\x9cAccount\xe2\x80\x9d) or related services. It includes claims based on broken promises or contracts, torts, or\nother wrongful actions. It also includes statutory, common law and equitable claims. A Dispute also includes any disagreements about the meaning or application\nof this Arbitration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. You understand and agree that you and the Bank\nare waiving the right to a jury trial or trial before a judge in a public court. As the sole exception to this Arbitration Agreement, you and the Bank retain the\nright to pursue in small claims court any Dispute that is within that court\xe2\x80\x99s jurisdiction. If either you or the Bank fails to submit to binding arbitration following lawful\ndemand, the party so failing bears all costs and expenses incurred by the other in compelling 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\nproceeding has been previously commenced. Neither you nor the Bank shall be entitled to join or consolidate disputes by or against others in any arbitration,\nor to include in any arbitration any dispute as a representative or member of a class, or to act in a private attorney general capacity. Each arbitration,\nincluding the selection of the arbitrator(s) shall be administered by the American Arbitration Association (AAA), or such other administrator as you and the Bank\nmay mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the \xe2\x80\x9cArbitration Administrator\xe2\x80\x9d), according to the\nCommercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes (\xe2\x80\x9cAAA Rules\xe2\x80\x9d). To the extent that there is any variance between the\nAAA Rules and this Arbitration Agreement, this Arbitration Agreement shall control. Arbitrator(s) must be members of the state bar where the arbitration is held,\nwith expertise in the substantive laws applicable to the subject matter of the Dispute. No arbitrator or other party to an arbitration proceeding may disclose the\nexistence, content or results thereof, except for disclosures of information by a party required in the ordinary course of its business or by applicable law or regulation.\nYou and the Bank (the \xe2\x80\x9cParties\xe2\x80\x9d) agree that in this relationship: (1) The Parties are participating in transactions involving interstate commerce; and (2) This Arbitration\nAgreement and any resulting arbitration are governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any\nprovision of that Act is inapplicable, unenforceable or invalid, the laws of the state of South Dakota. If any of the provisions of this Arbitration Agreement dealing\nwith class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that\ninvalid 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\nor obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies\nsuch as injunctive relief, attachment, garnishment or the appointment of a receiver by a court of competent jurisdiction. Any statute of limitations applicable to\nany Dispute applies to any arbitration between the Parties. The provisions of this Arbitration Agreement shall survive termination, amendment or expiration of the\nAccount or any other relationship between 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\nlaw. Please check 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\nopened your Account limits 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\ninconsistent with applicable law, each 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\nto legal recourse 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\nmore information.\n5 of 5\n\n6102OA DILLARDS PL 0221\n\n\x0c'