b'Cardmember Agreement for U.S. Bank National Association Visa Signature\xc2\xae and World\nMastercard\xc2\xae Accounts\n\nThis credit card program is issued and administered by U.S. Bank National Association. This information is accurate as of March 31, 2021.\nPLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. See the Agreement\nthat was provided for your Account and Card for more detailed information, including contact information.\nPRICING INFORMATION: Actual pricing will vary from one Cardmember to another\n(APR = Annual Percentage Rate)\n(DPR = Daily Periodic Rate)\n\nAnnual Percentage Rates for Purchases\n\n5.24% to Prime + 21.74%\n(APR) 8.49% to 24.99%\n(DPR) 0.023260% to 0.068466%\nPrime +\n\nThis APR will vary with the Market based on the\nPrime Rate.\n\nAnnual Percentage Rates for Balance Transfers\n\nPrime + 5.24% to Prime + 21.74%\nThis APR will vary with the Market based on the (APR) 8.49% to 24.99%\nPrime Rate.\n(DPR) 0.023260% to 0.068466%\n\nAnnual Percentage Rates for Cash Advances\n\nPrime + 20.74% to Prime + 22.74%\nThis APR will vary with the Market based on the (APR) 23.99% to 25.99%\nPrime Rate.\n(DPR) 0.065726% to 0.071205%\nPenalty APR and When It Applies\nThere is no Penalty Rate for your Account.\nPaying Interest\n\nYour due date is 24-30 days after the close of each billing cycle.\nWe will not charge you interest on Purchases if you pay your\nentire balance by the due date each month. We will begin\ncharging interest on Advances and Balance Transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, then the Minimum Interest Charge\nwill be no less than $2.00.\nTo learn more about f actors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nNOTICE: Some of these set-up and maintenance f ees will be\nassessed before you begin using your Card and based on your\nRevolve Limit, your initial available credit will be less.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nSet Up and Maintenance Fees\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAnnual Fee\nTravel Fee\n\n\xe2\x80\xa2\n\nBalance Transf er Advance Fee\n\nTransaction Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou may still reject this Account, provided that you have not yet\nused it or paid a f ee after receiving a billing statement. If you do\nreject the Account, you are not responsible f or any f ees or\ncharges.\n$0 to $450\nNONE\n\nEither $5 to $10 or 3% to 4% of the Transfer or Advance\namount, whichever is greater (maximum fee (No Maximum)).\nConvenience Check Advance Fee\nEither $5 to $10 or 3% to 4% of the Advance amount,\nwhichever is greater (maximum fee (No Maximum)).\nFinancial Institution Cash Advance Fee Either $5 to $10 or 3% to 5% of the Advance amount,\nwhichever is greater (maximum fee (No Maximum)).\nCash Equivalent Advance Fee\nEither $10 to $20 or 4% to 5% of the Advance amount,\nwhichever is greater (maximum fee (No Maximum)).\n\n\x0cNONE\n\n\xe2\x80\xa2\n\nCash Advance Overdraft Protection\nFee\nCash Advance ATM Fee\n\n\xe2\x80\xa2\n\nForeign Transaction Fee\n\nEither $5 to $10 or 3% to 5% of the Advance amount,\nwhichever is greater (maximum fee (No Maximum)).\nUp to 3% of each foreign transaction amount.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Fee\nReturn Payment Fee\n\nUp to $40\nUp to $40\n\n\xe2\x80\xa2\n\nAccount Fees\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See\nthe Agreement for more details.\nP. O. Box 6352\nFargo, ND 58125\n\nCardmember Agreement\nThis is a cardmember agreement and disclosure statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) between you\nand the Issuer containing the terms that will apply to your Credit Card Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) effective March 31, 2021. In this Agreement, \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour" and\n\xe2\x80\x9cCardmember\xe2\x80\x9d means each individual accepting a solicitation or applying for the\nAccount or otherwise agreeing to be responsible for the Account. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and\n\xe2\x80\x9cthe Issuer\xe2\x80\x9d means U.S. Bank National Association, the issuer of the Card and your\nAccount creditor. Please read this Agreement carefully and keep it in a safe place to\nmake the best use of the credit cards we issue with this Account (\xe2\x80\x9cCard\xe2\x80\x9d). The\nAgreement becomes effective as soon as you or someone authorized by you uses or\nactivates the Card or Account. Even if the Card or Account has not been used or\nactivated, the Agreement becomes effective unle ss you contact us within 30 days after\nyou receive the Card by calling the number on the back of the Card to cancel your\nAccount. This web Agreement does not replace the Agreement that is provided with the\nAccount and Card.\nThis Agreement contains an arbitration provision (including a class action\narbitration waiver). It is important that you read the entire Arbitration Provision\nsection carefully.\nACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT\n1. Personal Use: You may use the Account only for personal, family or household\npurposes. Federal or state consumer protection laws may not apply if you use the\nAccount for other than personal, family or household purposes.\n2. Purchases: You may use the Account to buy, lease or otherwise obtain goods or\nservices from participating merchants (including transactions you initiate by mail,\ntelephone or over the Internet), or take advantage of special promotional Balance\nTransfer offers that post as Purchase transactions (\xe2\x80\x9cPurchases\xe2\x80\x9d). We will, in connection\nwith any promotional offer we make from time to time, provide information on your Card\ncarrier or in additional materials (the \xe2\x80\x9cOffer Materials\xe2\x80\x9d) that explain whether those\ntransactions will post and be treated as a Purchase. Even if you have not signed a sales\ndraft or the merchant has not supplied you with a written receipt or other proof of sale,\nyou are responsible for all Purchases made through your Account, except as expressly\nlimited by applicable law (see Your Billing Rights section belo w for more details).\n3. Advances: \xe2\x80\x9cAdvances\xe2\x80\x9d are transactions other than Purchases that allow you direct\naccess to funds available through your Account. Advances may include Account\ntransactions such as cash advances you obtain directly from us, automated teller\nmachines (\xe2\x80\x9cATMs\xe2\x80\x9d) or other participating financial institutions (\xe2\x80\x9cCash Advances\xe2\x80\x9d). ATM\nand financial institution Advances include phone (automated phone system and 24 Hour\ncustomer service assisted) and Internet transfers. Advances also include some Balance\nTransfers, Convenience Checks, FastCash, Overdraft Protection Advances and Cash\nEquivalent Advances. \xe2\x80\x9cCash Equivalent Advances\xe2\x80\x9d include transactions to acquire or\ninitiate wire transfers, travelers checks, cashier\xe2\x80\x99s checks, money orders, foreign cash\ntransactions, casino gaming and betting transactions and lottery tickets. Monthly\nAccount statements we issue may refer to Advances as an Advance, Cash, Cash\nAdvances, or by the product or device you used to obtain an Advance. Refer to the\nAccount Fees section for details on Advance Transaction Fees.\n\n4. Advance Limits: Only a portion of the Revolve Limit (defined below) is available for\nAdvances and that portion may vary from time to time. Although you may have credit\navailable under your Account, we may be unable to authorize an Advance. You may\ncontact Cardmember Service to learn the portion of your Revolve Limit which is available\nfor Advances.\n5. Convenience Checks: From time to time, we may supply Convenience Checks for\nuse by the person(s) or drawer named on those checks. \xe2\x80\x9cConvenience Checks\xe2\x80\x9d are\ndrafts that look like other checks, but are drawn on credit available in your Account.\nConvenience Checks may not be offered for all Account types. We will, in connection\nwith any Convenience Check we provide, include Offer Materials that will explain\nwhether the Convenience Check will post and be treated as an Advance or as a Balance\nTransfer. Convenience Checks must be written in U.S. Dollars. We may return a\nConvenience Check unpaid if:\n(a) the credit available under your Revolve Limit is less than the Convenience Check\namount;\n(b) the Account is in Default; or\n(c) the Convenience Check is improperly endorsed or otherwise fails to conform to our\nregularly accepted standards for check payment.\nConvenience Checks may not be used to pay your Account or any obligation you owe\nus or our affiliates.\n6. Paying and Stopping Payment on Convenience Checks: You must write to us or call\nto request that payment be stopped on a Convenience Check. You must call us promptly\nwith an oral stop payment request and then provide us with a written confirmation of the\nstop payment request within 14 calendar days. Any written stop payment request we\nreceive will remain in effect for 6 months, unless you renew the request in writing before\nthe end of that time. We may pay Convenience Checks more than 6 months old . There\nmay be circumstances under which a Convenience Check must be paid, even if we have\nreceived a stop payment request from you. We will not be liable to you if we do not honor\nyour stop payment request under those circumstances. If it is determined that a\nConvenience Check should have been paid, but was not, we will not be liable for any\nconsequential, punitive or incidental damages if we acted in good faith. Our only\nobligation under those circumstances will be to pay the designated payee the amount\nof the Convenience Check and cancel any charges assessed against your Account as\na result of any wrongful failure to honor the Convenience Check.\n7. Balance Transfers: We may permit you to transfer balances and obligations that you\nowe other companies or financial institutions to your Account, subject to the terms and\nconditions disclosed in the Offer Materials (\xe2\x80\x9cBalance Transfers\xe2\x80\x9d). Balance Transfers wil\npost to your Account and be separately reflected on monthly Account statements as a\nBalance Transfer, or, dependin g upon the offer, may post to the Account and be treated\nas a Purchase or an Advance. We will, in connection with any Balance Transfer offer\nwe make, provide you with materials that explain how the Balance Transfer will post to\nyour Account and be reflected on monthly Account statements. You may not request\nBalance Transfers on existing obligations you owe us or our affiliates. If you request a\nBalance Transfer that would cause your Account to exceed its Revolve Limit, we may,\nat our option, (a) post the entire Balance Transfer requested to your Account; (b) post\nonly a portion of the Balance Transfer requested to your Account up to the amount of\ncredit available under the Revolve Limit; or (c) refuse to process the entire amount of\nthe Balance Transfer requested.\n\n\x0c8. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you have\nspecifically requested and have obtained an Overdraft Protection Plan by linking the\nAccount with a designated U.S. Bank personal checking account ("checking account").\nAn "Overdraft Protection Advance" is an advance of funds to your designated checking\naccount from this Account that will help cover overdrafts on your checking account. Any\nOverdraft Protection Advance will post and be charged interest as an Advance drawn\non the Account. Please refer to the U.S. Bank Deposit Account Agreement (entitled,\n"Your Deposit Account Agreement") for full Overdraft Protection Plan terms and the\nConsumer Pricing Information Brochure for fees that apply for Overdraft Protection\nAdvances. We may cancel Overdraft Protection privileges under the Account, even if\nthe Account remains open for other purposes.\nNote: For Young Adult Accounts, the young adult\xe2\x80\x99s name and cosigner\xe2\x80\x99s name must\nboth be named on the linked checking account in order to have Overdraft Protection.\nINTEREST CHARGES AND ACCOUNT FEES\n9. Account INTEREST CHARGES: INTEREST CHARGES reflect the cost of credit.\nYour total INTEREST CHARGE for any billing cycle will equal the amount of any (a)\nperiodic rate INTEREST CHARGES (sometimes referred to as "interest" in this\nAgreement and on monthly Account statements); (b) Advance Transaction Fees; and\n(c) any other transaction fees that are considered INTEREST CHARGES.\n10. Interest Rate: In this Agreement, we have abbreviated the terms \xe2\x80\x9cdaily periodic\nrate\xe2\x80\x9d as DPR, \xe2\x80\x9caverage daily balance\xe2\x80\x9d as ADB, and \xe2\x80\x9cANNUAL PERCENTAGE RATE\xe2\x80\x9d\nas APR.\n(a) Standard Interest RatesRate for "Purchases" and "Balance Transfers": The DPR for transactions posting as\nPurchases and Balance Transfers is equal to 1/365th of its corresponding APR. Rate\nfor "Advances": The DPR and corresponding APR for transactions posting to the\nAccount as Advances is equal to 1/365th of its corresponding APR.\n(b) Variable APRs are calculated by adding a margin to the Index. Your Variable DPR\nis equal to 1/365th of the corresponding APR. Your DPR and corresponding APR may\nincrease or decrease from time to time according to the movements up or down of the\nIndex, which is the Prime Rate published in the "Money Rates" section of the Midwest\nEdition of The Wall Street Journal on the last publication day before the date on which\nthe billing cycle closed (in other words, the "statement date"). We reserve the right to\nchoose a comparable new index if The Wall Street Journal ceases to publish a Prime\nRate. The margin is the percentage we add to the Index to calculate the APR. The\ncurrent applied Index value for your Account is 3.25%. Any variable rate adjustment\nbased on a change to your margin will be effective as of the first day of the current billing\ncycle, and will apply to all new Account balances and transactions subject to that\nvariable rate. Any variable rate adjustment based on a change to your Index will be\neffective as of the first day of the current billing cycle, and will apply to all new and\noutstanding Account balances and transactions subject to that variable rate. An increase\nor decrease to the Index or margin will apply to Purchase, Advance, and Balance\nTransfer balances and will result in an in crease or decrease in the INTEREST CHARGE\non the Account, an increase or decrease to your Minimum Payment, and an increase or\ndecrease to your New Balance.\nIntroductory and Promotional Rates: We may, at our option, offer you for a limited\ntime introductory or promotional interest rates for all or part of new Purchase, Advance,\nor Balance Transfers posted to your Account. We will tell you in the Offer Materials the\nintroductory or promotional rate and the period of time during which that rate will be in\neffect and any conditions or requirements of the offer. Unless the Offer Materials state\notherwise, an introductory or promotional rate will remain in effect until the last day of\nthe billing cycle in which the introductory or promotional rate expires. Any introductory\nor promotional rate that applies to new or outstanding Account bala nces will increase to\nthe standard rate that would otherwise apply, or, when appropriate under the terms of\nthis Agreement, a Penalty Rate due to an Adjustment Event (as indicated above).\n11. INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate: We\ncalculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying\nthe applicable DPR by the ADB (including new transactions) of the Purchase, Advance\nand Balance Transfer categorie s subject to interest, and then adding together the\nresulting interest from each category. We determine the ADB separately for the\nPurchases, Advances and Balance Transfer categories. To get the ADB in each\ncategory, we add together the daily balances in those categories for the billing cycle and\ndivide the result by the number of days in the billing cycle. We determine the daily\nbalances each day by taking the beginning balance of those Account categories\n(including any billed but unpaid interest, fees, credit insurance and other charges),\n\nadding any new interest, fees, and charges, and subtracting any payments or credits\napplied against your Account balances that day. We add a Purchase, Advance or\nBalance Transfer to the appropriate balances for those categories on the later of the\ntransaction date or the first day of the statement period. Billed but unpaid interest on\nPurchases, Advances and Balance Transfers is added to the appropriate balances for\nthose categories each month on the statement date. Billed but unpaid Advance\nTransaction Fees are added to the Advance balance of your Account on the date they\nare charged to your Account. Any billed but unpaid fees on Purchases, credit insurance\ncharges, and other charges are added to the Purchase balance of the Account on the\ndate they are charged to the Account. Billed but unpaid fees on Balance Transfers are\nadded to the Balance Transfer balance of the Account on the date they are charged to\nthe Account. In other words, billed and unpaid interest, fees, and charges will be\nincluded in the ADB of your Account that accrues interest and will reduce the amount of\ncredit available to you. To the extent credit insurance charges, overlimit fees, Annual\nFees, and/or Travel Membership Fees may be applied to your Account, such charges\nand/or fees are not included in the ADB calculation for Purchases until the first day of\nthe billing cycle following the date the credit insurance charges, overlimit fees, Annual\nFees, and/or Travel Membership Fees (as applicable) are charged to the Account. Prior\nstatement balances subject to an interest-free perio d that have been paid on or before\nthe payment due date in the current billing cycle are not included in the ADB calculation.\nThere is a minimum INTEREST CHARGE Fee in any billing cycle in which an\nINTEREST CHARGE is due. As described above, this Agreement provides for the\ncompounding of interest on your Account.\n12. Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided\nyou have paid your previous balance in full by the Payment Due Date shown on your\nmonthly Account statement. In order to avoid additional INTEREST CHARGES on\nPurchases, you must pay your new balance in full by the Payment Due Date shown on\nthe front of your monthly Account statement. There is no interest-free period for\ntransactions that post to the Account as Advances or Balance Transfers except as\nprovided in any Offer Materials. Those transactions are subject to interest from the date\nthey post to the Account until the date they are paid in full.\n13. Advance Account Fees: You agree to pay the following Account fees and INTEREST\nCHARGES:\n(a) We may add an Advance Transaction Fee INTEREST CHARGE to the\nAdvance balance of the Account for each Advance you obtain during a billing\ncycle in addition to the interest that accrues on Advances. The Advance\nTransaction Fee imposed will equal the greater of either a percentage of each\nAdvance or the minimum dollar amount, subject to the maximum dollar amount.\n(b) We may add a Balance Transfer Fee INTEREST CHARGE to the Purchase\nbalance of the Account except where Offer Materials specify otherwise.\n(c) We may add a Convenience Check Fee INTEREST CHARGE to the\nAdvance balance of your Account except where Offer Materials specify otherwise.\n(d) We may add an Overdraft Fee INTEREST CHARGE to the Advance\nbalance of your Account, except where Offer Materials specify otherwise.\n14. Account Fees:\n(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE\nfor each Promotional Discount you receive during the billing cycle, as outlined in\nany Offer Materials\n(b) Annual Membership Fee. Each year, the Account may be subject to your\npayment in advance of an Annual Membership Fee INTEREST CHARGE which\nwill compensate us for maintaining and servicing the Account for the following\nyear. This fee will be charged to the Purchase balance of your Account.\n(c) We will add a Late Payment Fee to the Purchase balance of the Account if\nyour Minimum Payment is not received by the Payment Due Date shown on the\nmonthly Account statement.\n(d) There is no Overlimit Fee on your Account.\n(e) We may add a Returned Payment Fee to the Purchase balance of the Account\nif any payment on the Account is not honored or if we must return it to you because\nit cannot be processed. A check that is returned unpaid will be sent for colle ction.\n(f) We will add a Duplicate Documentation Fee to the Purchase balance of the\nAccount for each copy of a monthly statement, sales slip, refund slip, or Advance\nslip that you request. There will be no charge for documentation requests made\nin connection with a billing error notice, if our investigation indicates a billing error\noccurred.\n(g) We may add a service charge to the Purchase balance of the Account if you\ncall us to make a payment on your Account and are assisted by a Cardmember\nService Representative to make the payment. You will be provided with\nconfirmation of the service charge before the payment transaction is authorized.\n\n\x0c(h) We may add a Stop Payment Check Fee to the Purchase balance of your\nAccount if you request a stop payment on a Convenience Check. (See "Paying\nand Stopping Payment on Convenie nce Checks" section above for more details.)\nIn no circumstance will your Late Fee or Returned Payment Fee ever be greater\nthan your Minimum Payment due.\nIMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT\n15. BalanceShield or Insurance Charges: Your purchase of BalanceShield debt\ncancellation or credit life insurance and disability is optional. Whether or not you\npurchase BalanceShield or credit insurance will not affect your application for credit or\nthe terms of any existing credit agreement you have with us. If you elect to purchase\nBalanceShield or credit insurance and are eligib le to participate, the monthly program\nfee or premium (at the rate disclosed to you) will be added to the Purchase balance as\nof the closing date of each billing cycle based upon the Account balance (including\naccrued INTEREST CHARGES). The terms of your BalanceShield coverage will be\nsummarized in the BalanceShield Debt Cancellation Program Agreement, which will be\nprovided to you upon enrollment. For credit insurance, the terms of your insurance\ncoverage will be summarized in the Certificate of Insurance, which will be provided to\nyou. These features are not offered for Secured Accounts.\n16. Credit Limit: There is no predetermined Credit Limit for your Account. Individual\n\ntransactions are authorized based on factors such as Account history, credit record, and\npayment resources.\na. Revolve Limit: Your Revolve Limit (for Purchases, Advances and Balance Transfers)\nis the total dollars available to you to carry over, less the minimum monthly payment\nfrom billing cycle to billing cycle as a revolving line of credit. Your initial Revolve Limit\nis shown on the Card carrier. We reserve the right to periodically re-evaluate your\nAccount and increase or decrease your Revolve Limit.\nb. Extraordinary Purchases: If you are planning an out-of-pattern transaction or large\nticket Purchase, you must inform us of the Purchase at least 2 busin ess days prior, and\nno more than 60 days prior to the event via telephone.\n17. Payment: You must pay us in U.S. Dollars with checks or similar payment\ninstruments drawn on a financial institution located in the United States. We will also\naccept payment in U.S. Dollars via the Internet or phone or previously established\nautomatic payment transaction. We may, at our option, choose to accept a payment\ndrawn on a foreign financial institution. However, you will be charged and agree to pay\nany collection fees required in connection with such a transaction. The date you mail a\npayment is different than the date we receive that payment. For purposes of this\nAgreement, the payment date is the day we receive your check or money order at the\naddress specified on your monthly Account statement or the day we receive your\nelectronic or phone payment. If you mail your payment without a payment coupon or to\nan incorrect address, it may result in a delayed credit to your Account, additional\nINTEREST CHARGES, fees, and possible suspension of your Account.\n18. Minimum Payment: Each month, you must pay at least the Minimum Payment and\nany past due Minimum Payment(s) by the Payment Due Date shown on your monthly\nAccount statement. You may, at your option, pay more than the Minimum Payment or\npay the New Balance (as stated on your monthly Account statement) in full to reduce or\navoid the INTEREST CHARGE for the Account. Your Minimum Payment will be\ncalculated as follows: first we determine the "Base Minimum Payment", which is the\ngreater of $30.00 or 1.00% of your New Balance up to the Revolve Limit not including\nitems (1) and (2) below, which, if not a whole dollar amount, will be rounded to the next\nhighest dollar. To the Base Minimum Payment, we may add one or more of the following\nitems, as incurred on your Account: (1) any late, annualand/orany other Account related\nfee, (2) the INTEREST CHARGE, and (3) if your Account is over the Revolve Limit,\nsome or all of the balance amount over your Revolve Limit. If the resulting Minimum\nPayment is greater than $30.00, the total, if not a whole dollar amount, is then rounded\nto the next highest dollar not to exceed your New Balance. Any Minimum Payment or\nadditional amount you pay each month will not prepay any future Minimum Payments\nrequired, or change your obligation to make at least a Minimum Payment by the\nPayment Due Date. Any statement credit that results from a promotional offer or\nrewards redemption, if applicable, will only be applied to the Account balance and not\nsatisfy any portion of the Minimum Payment requirements for this Account.\n19. Payment Application: If we cannot collect on your check or other payment item you\nsend us to pay on your Account, we may post as an Advance transaction an amount\nequal to the credit previously given to you for such check or payment item and we may\ncharge interest on this amount from the date your Account originally was credited for the\npayment. After a payment has been made, we reserve the right to withhold available\n\ncredit in the amount of the payment for 7 business days. Any credit availa ble before the\npayment is made will continue to be available for use during this time.\n20. Skip Payment Option: We may, at our option, occasionally offer you an opportunity\nto skip your obligation to make the Minimum Payment due. You may not skip payments\nunless we make this offer to you. If we offer you an opportunity to skip a payment more\nthan once in a 12 month period, you will not be permitted to skip payments required in\nconsecutive months. You cannot accept a skip payment offer if your Account is\ndelinquent, or is in Default. When you take advantage of a skip payment offer, the\ninterest will continue to accrue on the entire unpaid balance of your Account.\n21. Change of Address: Your monthly Account statements and notices about your\nAccount will be sent to the address you provided in your application or your response to\nour Account solicitation. To change your address, you must call us or write to us. We\nmust receive this information 21 days before the date a billing cycle closes to provide\nyour monthly Account statement at your new address. If you have an address change\nwithin 45 days of the expiration date of your Card(s), please contact Cardmember\nService with your new address so your new Card(s) can be mailed to your new address.\nWe may also update your address in ourrecords without a request from you if we receive\nan address change notice from the U.S. Postal Service or if we receive updated address\ninformation from our mail services vendor.\n22. Authorized Users: You agree not to allow access to your Card, Account number,\nConvenience Checks, or personal identification number (PIN) to anyone else to use your\nAccount, except by asking us to issue a card to grant Account access to another person.\nIf you allow access to your Card or Account information, you will be liable for any charges\nmade by that person, unless and except as expressly required by applicable law. You\nagree to be responsible for all Account transactions made by a Cardmember, or anyone\nwho you have authorized by (a) asking us to issue a Card to grant Account access to\nanother person; (b) lending your Card to or allowing Account access by another person;\nor (c) any other way in which you would be legally considered to have allowed another\nperson to use your Account or to be legally prevented from denying that you did so. Be\ncautious when allowing another person to become an authorized user of your Account;\nonce you allow authority to any authorized user you cannot limit that authority unless\nthe Account is closed to future transactions. You, as a primary or joint Cardmember\nmust call or write us with any request to cancel and remove a person\xe2\x80\x99s authority. We wil\nnot provide any Account information to anyone other than you and any Authorized\nUsers. Authorized Users have no right to make any Account changes.\n23. Lost or Stolen Card or Other Information: You must notify us immediately by\ntelephone or in writing if your Card, Convenience Checks, or PIN is lost or stolen or there\nis possible unauthorized use of your Card, Account, or PIN. You will not be liable for\nunauthorized use of your Account. If this happens, we will ask you and all other persons\ngiven Account access to return all Cards and unused Convenience Checks to us. In\naddition, we have the right to close your Account and open a new Account. If we do so,\nnew Cards will be issued. If requested, we may issue a new PIN and new Convenience\nChecks for your new Account.\n24. Using Your Card for International Transactions:\nVisa: You may use your Card for retail Purchases at foreign merchants and for cash\nwithdrawals from foreign ATMs. Some merchant and ATM transactions, even if you\nand/or the merchant or ATM are located in the United States, are considered foreign\ntransactions under the applicable rules, in which case we will add the Foreign\nTransaction Fee INTEREST CHARGE described in this section to those transactions.\nWe do not control how these merchants, ATMs, and transactions are classified for this\npurpose. The exchange rate in effect when the transaction is processed may differ from\nthe rate in effect on the date of the transaction or the date of the posting of the\ntransaction to your Account.\nIf you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS\nSystem logo), the transaction will be processed through the Visa system and will be\nconverted to U.S. Dollars according to the applicable rules established by Visa from time\nto time. Currently, the currency conversion rate used by Visa to determine the foreign\ncurrency transaction amount in U.S. Dollars is determined by multiplying the amount of\nthe foreign currency transaction times (a) a rate selected by Visa from the range of rates\navailable in wholesale currency markets for the applicable central processing date,\nwhich rate may vary from the rate Visa itself receives, or (b) the government-mandated\nrate in effect for the applicable central processing date. If your foreign transaction is in\nforeign currency prior to being processed by Visa, we will add a Foreign Transaction\nFee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your\nforeign transaction is in or converted to U.S. Dollars prior to being processed by Visa,\nwe will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the\n\n\x0cPurchase or ATM transaction. If you use your Card at an ATM that bears only the PLUS\nSystem logo (and no Visa logo), the transaction will be processed through the PLUS\nSystem and will be converted into U.S. Dollars at the exchange rate established, from\ntime to time, by the operator of that ATM. To the converted transaction we will not add\na Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that\nbears both the Visa and PLUS System logos, the ATM operator will determine whether\nto send your transaction over the Visa or PLUS System network using such network\'s\nrespective currency conversion rule s then in effect (as expla ined above).\nMastercard: You may use your Card for retail Purchases at foreign merchants and for\ncash withdrawals from foreign ATMs that bear either the PLUS System or the\nMastercard logo. Some merchant and ATM transactions, even if you and/or the\nmerchant or ATM are located in the United States, are considered foreign transactions\nunder the applicable Mastercard rules, in which case we will add the Foreign Transaction\nFee INTEREST CHARGE described in this section to those transactions. We do not\ncontrol how these merchants, ATMs, and transactions are classified for this purpose.\nThe currency conversion rate in effect on the processing date may differ from the rate\nthat would have been used on the date of the transaction or the date of the posting of\nthe transaction to your Account.\nIf you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and\nno PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars,\nMastercard International Incorporated will convert the transaction into a U.S. Dollar\namount using its currency conversion procedure, which is disclosed to institutions that\nissue Mastercard cards. Currently, the currency conversion rate used by Mastercard\nInternational to determine the foreign currency transaction amount in U.S. Dollars for\nsuch transactions is generally either a government mandated rate or a wholesale rate\ndetermined by Mastercard International for the processing cycle in which the transaction\nis processed. If your foreign transaction is in foreig n currency prior to being processed\nby Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to\n3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign\ntransaction is in or converted to U.S. Dollars prior to being processed by Mastercard,\nwe will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the\nPurchase transaction or up to 3.00% of the ATM transaction.\nIf you use your Card at an ATM that bears only the PLUS System logo (and no\nMastercard logo), the transaction will be processed through the PLUS System and will\nbe converted into U.S. Dollars at the exchange rate established, from time to time, by\nthe operator of that ATM. To the converted transaction we will add a Foreign\nTransaction Fee INTEREST CHARGE.\nIf you use your Card at an ATM that bears both the Mastercard and PLUS System logos,\nthe ATM operator will determine whether to send your transaction over the Mastercard\nor PLUS System network using such network\xe2\x80\x99s respective currency conversion rules\nthen in effect (as explained above).\nYOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT\n25. Responsibility to Pay: You agree to pay us for all Purchases, Advances, Balance\nTransfers, INTEREST CHARGES, Account Fees and charges, any other transaction\ncharges as provided in this Agreement and, to the extent permitted under applicable\nlaw, attorneys fees and collection costs we incur enforcing this Agreement against you.\nThis is the case even if your Account is only used by one of you, or is used by someone\nauthorized by only one of you. If there is more than one Cardmember, each of you is\nresponsible, together and separately, for the full amount owed on your Account. Your\nobligation to pay the Account balance continues even though an agreement, divorce\ndecree, court judgment, or other document to which we are not a party may direct\nanother person responsible to pay the Account.\n26. Intent to Repay: Every time you use your Account, you represent to us that you\nintend to and have the ability to repay your Account obligations. We rely on this\nrepresentation every time you use your Account.\n27. Settling a Disputed Balance; Payment in Full: If you want to settle a disagreement\nwith us about any amount you owe by sending a check on which you have written\n"Payment in Full" or similar language, you must send us a written explanation of the\ndisagreement or dispute and any such check to Cardmember Service. (See Your Billing\nRights section below for complete details.) This address is different than the address\nyou use to make Account payments. Writing \xe2\x80\x9cPayment in Full\xe2\x80\x9d or similar language on\nthe check will not be enough to resolve the dispute. If we collect a check or any payment\ninstrument marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d that you sent to an address other than the one\n\nprovided in this section (such as the address at which you normally make payments),\nwe will not have waived our right to collect any remaining amount you owe us underthe\nterms of your Account.\n28. Default: You and your Account will be in Default if:\n(a) we do not receive the Minimum Payment by the Payment Due Date disclosed\non the monthly Account statement;\n(b) you violate any other provision of this Agreement;\n(c) you die without a surviving joint Cardmember;\n(d) you become insolvent, assign any property to your creditors, or go into\nbankruptcy or receivership;\n(e) you have made false statements on your Account application or in the\nmaintenance of your Account;\n(f) we have any reason to believe that your Account is in danger of, or is being\nused for fraud;\n(g) you are a married community property state resident and you or we receive a\nwritten termination notice of this Agreement from your spouse;\n(h) your Account becomes inactive;\n(i) anything happens that we believe in good faith materially increases the risk that\nyou will not live up to your payment and other obligations under this Agreement;\nor\n(j) this is a joint Account and one of you notifies us that he or she wants the\nAccount closed or will no longer be liable on the Account.\nYou and your Account may also be in Default if you make transactions which go over\nyour Revolve Limit.\n29. Illegal Purchases: You agree that you will not use or permit an Authorized User to\nuse the Card or Account for any unlawful purpose, such as funding any account that is\nset up to facilitate online gambling.\nOUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT\n30. Ownership of this Account: Your Card and any other Account access devices that\nwe supply to you are our property and must be immediately returned to us or our\ndesignated agent or otherwise destroyed or surrendered as we instruct.\n31. Changes to your Account: Account and Agreement terms are not guaranteed for any\nperiod of time; we may change the terms of your Agreement, including APRs and fees,\nin accordance with applicable law and the terms of your Agreement. Your transactional\nexperience with us may also cause a change, including an increase in the margin that\nis added to the Index, an increase in fees, or a decrease in the Revolve Limit. Factors\nconsidered in determining the increased rate or Revolve Limit decrease may include\nyour general credit profile, existence, seriousness and timing of the defaults underany\nagreement that you have with us, and other indications of the Account usage and\nperformance. We will give you notice of any such change in the manner required by law.\nRevised Account terms apply as of the effective date communicated in our notice to you\nunless the notice provides you with the right to opt out, and you do opt out, before the\neffective date. .\n32. Cancellation of Your Account: We may cancel your Account or suspend your ability\nto obtain Account credit immediately, without notice, if your Account is in Default. Even\nif you are not in Default, we may cancel your Account by providing notice to you. You\nmay cancel your Account by notifying us by telephone or in writing. If you have a secured\nAccount, your termination request must be made in writing. If this is a joint Account, we\nwill honor a request by either of you to cancel the Account. After the Account is\ncancelled, you will not be able to obtain additional Account credit, except that, (a) the\nAccount may continue to receive recurring charges for items and services until you\ncontact and cancel delivery with the company providing the item or service, or (b) under\ncertain circumstances if you use your Account for a transaction, the transaction may be\nposted to your Account. After your Account is cancelled, all amounts outstanding on\nyour Account will be due and payable without notice or demand from us. You must cut\nall Cards and Convenience Checks in half and return them to us. If you do not pay the\namount you owe under this Agreement, you will be liable for our collection costs\nincluding our reasonable attorney fees and expenses of legal actions, to the extent\npermitted by applicable law.\n33. Assignment of Your Account to Another Creditor: We may assign, sell or transfer\nyour Account and amounts owed by you to another creditor at any time. If we do, this\nAgreement will still be in effect unless and until amended, and any references made in\nthis Agreement to \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, or \xe2\x80\x9cour\xe2\x80\x9d will refer to the creditor to which we assigned, sold\nor transferred your Account or amounts owed under your Account. You may not delegate\n\n\x0cyour obligations and responsibilities to us to any third party without our express written\nconsent.\nTHE ISSUER\xe2\x80\x99S LEGAL RIGHTS AND OBLIGATIONS\n34. Collecting Credit Information about You: You authorize us to make any credit,\nemployment and investigative inquiries we feel are appropriate related to giving you\ncredit or collecting amounts owed on your Account. You agree that a consumer credit\nreport may be requested periodically from one or more consumer reporting agencies\n(\xe2\x80\x9cCredit Bureaus\xe2\x80\x9d) and used in connection with your application and any update, renewal\nor extension of credit. We will provide information about you, your Account or your credit\nhistory to Credit Bureaus and others who may properly receive that information.\n35. Credit Bureau Disputes: If you believe we inaccurately reported credit history\ninformation about you or your Account to a Credit Bureau, write to the Consumer\nRecovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO 63166-9801.\n36. Privacy Pledge and Disclosure of Account Information: A copy of our Privacy Pledge\nwas included with your original Agreement. We also keep copie s of our Privacy Pledge\nin financial institution offices and post it on our web site. Our Privacy Ple dge describes\nhow we collect, protect and use confidential financial and other information about you\nand the circumstances in which we mig ht share information about you with members of\nour corporate family and with unaffiliated third parties. Our Privacy Pledge also tells you\nhow you can (a) limit the ways we share certain kinds of information about you and (b)\nrequest corrections to the information we maintain about you.\n37. Refusal to Honor Transactions: We and our agents are not responsible if anyone\nrefuses to honor your Card or a Convenience Check, or if authorization for a particular\ntransaction is not given. Although you may have credit available under your Account,\nwe may be unable to authorize credit for a particular transaction. The number of\ntransactions you make in one day may be limited, and the limit per day may vary. These\nrestrictions are for security reasons and as a result we cannot explain the details of how\nthis system works. If your Account is over the Revolve Limit or delinquent, authorization\nof credit for transactions may be declined. We are not responsible for anything\npurchased with your Card or a Convenience Check, except as expressly required by\napplicable law (see Your Billing Rights section below for more details). You must return\ngoods you purchased with the Card or Account to the merchant and not to us.\n38. Third Party Offers: From time to time, third parties may provide you with benefits not\nrelated to the extension of Account credit. We are not liable for these features, services\nand enhancements, as they are the sole responsibility of the third party provider. We\nand/or a third party may add, change or dele te entirely these benefits without notice or\nliability to you, to the extent permitted by applicable law. You agree to hold us harmless\nfrom any claims, actions or damages resulting from your use of any of these features,\nservices or enhancements, where permitted by applicable law.\n39. Monitoring and Recording Communications: You understand and agree that we, and\nanyone acting on our behalf, may monitor and/or record any communications between\nyou, or anyone acting on your behalf, and us, or anyone acting on our behalf, for quality\ncontrol and other purposes. You also understand and agree that this monitoring or\nrecording may be done without any further notice to you or anyone acting on your behalf.\nThe communications that may be monitored or recorded include telephone calls, cellular\nor mobile phone calls, and any other communications in any form.\n40. Severability: If a court of competent jurisdiction finds any part of this Agreement\nillegal or unenforceable, the remain ing portions of the Agreement will remain in effect as\nwritten after any such illegal or unenforceable portion is amended in conformance with\napplicable law or, if necessary, voided.\n41. Entire Agreement: This version of the web Agreement replaces any previous\nversions of the web Agreement. The Agreement, as modified by any change in terms\nwe may deliver from time to time in accordance with applicable law, constitutes the entire\nagreement between you and us, and supersedes any prior negotiation, agreement, or\nunderstanding between you and us concerning the subject matter of the Agreement.\n42. Waiver: We do not give up our rights under the Agreement or applicable law when\nwe fail to exercise or delay exercising those rights. Our failure or dela y to exercise any\nright or remedy we have against you does not mean that we waive that right.\n43. Arbitration Provision:\n(a) You agree that either you or we can choose to have binding arbitration resolve\nany claim, dispute or controversy between you and us that arises from or relates\n\nto this Agreement or the Account and credit issued thereunder (individually and\ncollectively, a "Claim"). This does not apply to any Claim in which the relief\nsought is within the jurisdictional limits of, and is filed in, a small claims court. If\narbitration is chosen by any party, the following will apply:\n(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM\nIN COURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN\nPRE-ARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE\nAPPLICABLE ARBITRATION RULES.\n(2) Arbitration will only decide our or your Claim, and you may not\nconsolidate or join the claims of other persons who may have similar\nclaims. YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A\nREPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A\nPRIVATE ATTORNEY GENERAL, PERTAINING TO ANY CLAIM SUBJECT TO\nARBITRATION.\n(3) The arbitration will be performed in accordance with this Arbitration\nProvision and the rules of the chosen arbitrator in effect when the Claim is\nfiled.\n(4) The arbitrator\xe2\x80\x99s decision will generally be final and binding, except for\nthe limited right of appeal provided by the Federal Arbitration Act.\n(5) Other rights that you would have if you went to court might also not be\navailable in arbitration.\n(b) The party commencing the arbitration may select to use either JAMS or the\nAmerican Arbitration Association ("AAA") (or, if neither of these arbitration\norganizations will serve, then a comparable substitute arbitration organization\nagreed upon by the parties or, if the parties cannot agree, chosen by a court of\ncompetent jurisdiction). If JAMS is selected, the arbitration will be handled\naccording to its Streamlined Arbitration Rules unless the Claim is for $250,000 or\nmore, in which case its Comprehensive Arbitration Rules shall apply. If the AAA\nis selected, the arbitration will be handled according to its Commercial Arbitration\nRules. You may obtain rules and forms for JAMS by contacting JAMS at 1-800352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800778-7879 or www.adr.org. Any arbitration hearing that you attend will take place\nin the federal judicial district where you reside. At your request, we will advance\nyour filing and hearing fees for any Claim you may file against us. If you prevail\non your Claim, we will pay your arbitration costs and fees, other than attorney,\nexpert and witness fees and expenses. We will also pay any fees or expenses\nthat applicable law requires us to pay. The arbitrator shall apply applicable\nsubstantive law consistent with the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 through\n16, including but not limited to applicable statutes of limitation, and shall honor\nclaims of privilege recognized at law. Judgment upon the award rendered by the\narbitrator may be entered in any court having jurisdiction.\n(c) This Arbitration Provision shall survive repayment of your extension of credit\nand termination of your Account. This Arbitration Provision shall be governed by\nfederal law, including the Federal Arbitration Act, and by Ohio law, without regard\nto its internal conflict of law principles, to the extent such state law does not\nconflict with federal law or this Arbitration Provision. This Arbitration Provision\nshall not apply to a party who is a covered borrower under the Military Lending\nAct. Notwithstanding any language of this Agreement to the contrary, should any\nportion of this Arbitration Provision be held invalid or unenforceable by a court\nor other body of competent jurisdiction, this entire Arbitration Provision shall be\nautomatically terminated and all other provisions of this Agreement shall remain\nin full force and effect.\nFederal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. This rate must include, as applicable to the credit\ntransaction or account: the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a\ncredit card account). For a verbal transcript of this disclosure, please call 1-877-2921682.\nYOUR BILLING RIGHTS\nKeep this document for future use. This notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement:\nIf you think there is an error on your statement, call or write to us.\n\n\x0cIn your letter or call, 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\nyou believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nWhat Will Happen After We Receive Your Letter or Call:\nWhen we receive your letter or call, we must do two things:\n1.\nWithin 30 days of receiving your letter or call, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter or call, we must either correct the error or\nexplain to you why we believe the bill is correct. While we investigate whether or\nnot there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your Revolve Limit.\n\nAfter We Finish Our Investigation, One of Two Things Will Happen:\n\xe2\x80\xa2\nIf 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\nIf we do not believe there was a mistake, you will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a statement\nof the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe. If you receive our\nexplanation but still believe your bill is wrong, you must write to us within 10 days\ntelling 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\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\nCard, and you have tried in good faith to correct the problem with the merchant, you\n\nmay have the right not to pay the remaining amount due on the purchase. To use this\nright, all of the following must be true:\n1.\nThe 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.\nYou 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\ndo not qualify.\n3.\nYou 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. While we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nSPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO\nPURCHASES MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER\nCHECKS.\n04_USB_NO_PRESET_SPEND_LIMIT\n\n\x0c'