b'The information in this document would apply to your account if you applied for a new account today.\n(MCYDSNB180TC030121-PL)\n\nDEPARTMENT STORES NATIONAL BANK CREDIT CARD DISCLOSURES\nMacy\xe2\x80\x99s Store Accounts\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n25.24%*\n\nHow to Avoid Paying\nInterest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by the\ndue date each month.\nIf you are charged interest, the charge will be no less than $2.\n\nMinimum Interest\nCharge\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\nFees\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nThis APR will vary with the market based on the Prime Rate.\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nUp to $40\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called "Daily Balance (including current\ntransactions)". See your Credit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in the Credit Card Agreement.\n*The purchase APR is equal to the Prime Rate plus a margin of 21.99%.\nProtections for Active Duty Service Members and their Dependents: Please see the section of the\nCredit Card Agreement entitled \xe2\x80\x9cProtections for Active Duty Service Members and their Dependents.\xe2\x80\x9d\n\n\x0cDEPARTMENT STORES NATIONAL BANK CREDIT CARD AGREEMENT\nThis Credit Card Agreement is your contract with us. It governs the use of your card and account. Please\nread this Agreement carefully. Keep it for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\ncard means one or more cards or other access devices that we give you to get credit under this\nAgreement. This includes account numbers.\nwe, us, and our mean Department Stores National Bank, the issuer of your account. Department Stores\nNational Bank is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person\nresponsible for complying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due\non your account. This Agreement is binding on you unless you close your account within 30 days after\nreceiving the card and you have not used or authorized use of the card. Your account must only be used\nto purchase goods and services for personal, family and household use. Your account must only be used\nfor lawful transactions.\nAuthorized Users. You may request additional cards for authorized users. You must pay us for all\ncharges made by authorized users. You must pay us even if you did not intend to be responsible for\nthose charges. You must notify us to withdraw any permission you give to an authorized user to use your\naccount.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all\namounts owed. Each of you is responsible even if the account is used by only one of you. You will\ncontinue to be liable for the entire balance of the account, even if your co-applicant is ordered by a court\nto pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your\naccount status will continue to be reported to the credit bureau under each of your names. The delivery of\nnotices or billing statements to either of you serves as delivery to each of you. We may rely on\ninstructions given by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit is on the card carrier. After that, your credit limit appears on your\nbilling statement. The full amount of your credit limit is available to use where the card is honored. We\nmay reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you\nof any change, but the change may take effect before you receive the notice. You should always keep\nyour total balance below the credit limit. However, if the total balance goes over your credit limit you still\nmust pay us. If your account has a credit balance, we may reduce the credit balance by any new charges\non your account. You may not maintain a credit balance in excess of your credit limit.\nBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us\non the Statement Closing Date. To determine the New Balance, we begin with the total balance at the\nstart of the billing cycle. We add any purchases.\nWe subtract any credits or payments. We then add any interest charges or fees and make other\nadjustments. Your billing statement also shows your transactions; the Minimum Payment Due and\npayment due date; your credit limit; and your interest charges and fees.\n\n\x0cWe deliver a billing statement to only one address. You must notify Customer Service of a change in\naddress. We may stop sending you statements if we deem your account uncollectible or start collection\nproceedings; but we may continue to add interest and fees as permitted by law.\nAPRs\nVariable APRs Based on Prime. If any APR is based on the U.S. Prime Rate ("Prime Rate"), the APR\nwill equal the Prime Rate plus an additional amount. If the Prime Rate increases, it will cause the APR to\nincrease. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use\nthe Prime Rate published in The Wall Street Journal two business days before the Statement Closing\nDate. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of\nthe billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject\nto any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we\nwill use a similar published rate.\nAPR for Regular Purchases. There is a variable regular purchase APR. It equals the Prime Rate plus\n21.99%. As of March 1, 2021, this Annual Percentage Rate is 25.24%. This APR equals a daily periodic\nrate of 0.06915%.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may\nincrease as well.\nPromotions\nWe may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a\nlimited period of time. They will be governed by the terms of the promotional offer and this Agreement.\nThey may include the Special Event and Club Plan offers described below. We may offer other\npromotional offers from time to time. Your promotional terms will end when the promotional period\nexpires.\nSpecial Event offers. If a promotional offer is a Special Event offer, interest is deferred, which means no\ninterest charges will be imposed on the Special Event balance if you pay the balance in full by the end of\nthe promotional period for that Special Event balance. We will impose interest charges on the Special\nEvent balance at the APR for regular purchases from the date of purchase if you do not pay the balance\nin full by the end of the promotional period.\nClub Plan offers. If a promotional offer is a Club Plan offer, no interest charges will be imposed on the\nClub Plan balance.\nInterest Charges Based on APRs\nInterest Charges. We impose interest charges when we apply APRs to your account balances. We do\nthis every day by using a daily periodic rate. To get a daily periodic rate, we divide the APR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a\ndaily balance. The charges we add to a daily balance include purchases. They also include interest\ncharges and fees. We continue to impose interest charges until we credit your account with full payment\nof the total amount you owe us. This method of assessing interest charges described in this section may\nresult in a billing statement with only an interest charge.\nGrace Period on Purchases. You can avoid interest charges on purchases, but not on excluded\npromotional balances. This is called a grace period on purchases. The grace period is at least 25 days.\nTo get a grace period on purchases, you must pay the New Balance by the payment due date every\nbilling cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing\ncycles in a row.\n\n\x0cIf you have a balance subject to a Special Event promotion and that promotion does not expire before the\npayment due date, that balance (an \xe2\x80\x9cexcluded promotional balance\xe2\x80\x9d) is excluded from the amount you\nmust pay in full to get a grace period on a purchase balance. In addition, if you have a Club Plan balance,\nthat balance (an \xe2\x80\x9cexcluded promotional balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get\na grace period on a purchase balance. However, you must still pay any separately required payment on\nthe excluded promotional balance. In billing cycles in which payments are allocated to Special Event\nbalances first, the Special Event balance will be reduced before any other balance on the account.\nHowever, you will continue to get a grace period on purchases so long as you pay the New Balance (less\nany excluded promotional balance, plus any separately required payment on an excluded promotional\nbalance) in full by the payment due date each billing cycle.\nOther promotional offers not described above may also allow you to have a grace period on purchases\nwithout having to pay all or a portion of the promotional balance by the payment due date. If either is the\ncase, the promotional offer will describe what happens.\nCalculation of Interest Charges \xe2\x80\x93 Daily Balance Method (Including Current Transactions). We\ncalculate interest charges each billing cycle. To do this:\n\xe2\x80\xa2 We start with each of your different balances. These balances include, for example, regular\npurchases, and different promotional balances. (When we calculate interest charges, we treat each\nSpecial Event transaction separately even if it has the same terms as another Special Event\ntransaction.)\n\xe2\x80\xa2 We calculate the daily balance for each of your different balances. To get a daily balance, we start\nwith the balance as of the end of the previous day. We add any interest charge on the previous day\'s\nbalance. (This results in daily compounding of interest charges.) We add any new charges. We then\nsubtract any new credits or payments.\n\xe2\x80\xa2 We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in\nthe billing cycle. This gives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\nWhen we calculate daily balances, we add a purchase as of the Transaction Date. (The Transaction Date\nis on the billing statement.) We add a transaction fee to the same balance as the transaction. We\ngenerally add other fees to the regular purchase balance. We subtract a payment or credit as of the day it\nis credited to the account and then make other adjustments. We treat a credit balance as a balance of\nzero.\nMinimum Interest Charge. If we charge you interest, the charge will be no less than $2. We add the\ncharge to the regular purchase balance or allocate it among one or more of the balances that accrues\ninterest.\nBalance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows\nthis for each different balance. The Balance Subject to Interest Rate is the average of the daily balances\nduring the billing cycle. A billing cycle begins on the day after the Statement Closing Date of the previous\nbilling cycle. It includes the Statement Closing Date of the current billing cycle.\nFees\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late\nfee purposes, you have a past due payment any time you fail to pay the Minimum Payment Due by the\npayment due date. The fee will be $29; or $40 for any additional past due payment during the next six\nbilling cycles after a past due payment. However, the fee will not exceed the amount permitted by law.\nWe add this fee to the regular purchase balance.\nReturned Payment Fee. We may add a returned payment fee for a returned payment. A returned\n\n\x0cpayment is an electronic debit, payment check, or similar payment instrument, that is returned unpaid. We\nmay add this fee the first time your payment is returned, even if it is not returned upon resubmission. The\nfee will be $29; or $40 for any additional returned payment during the next six billing cycles after a\nreturned payment. However, the fee will not exceed the amount permitted by law. We add this fee to the\nregular purchase balance.\nPayments\nMaking Payments. You may pay all or part of your account balance at any time. However, you must\npay at least the Minimum Payment Due by the payment due date each billing cycle. The sooner you pay\nthe New Balance, the less you will pay in interest charges.\nWe calculate the Minimum Payment Due as follows. We begin with any past due amount. We add the\namount due on each Club Plan balance. We add any amount required by the Promotion Calculation. We\nalso add the largest of the following:\n\xe2\x80\xa2 The Calculated New Balance if it is less than $29;\n\xe2\x80\xa2 $29 if the Calculated New Balance is at least $29; or\n\xe2\x80\xa2 1% of the Calculated New Balance (the result is rounded up to the nearest dollar) plus the amount of\nyour billed interest charges on that balance, any minimum interest charge allocated to that balance,\nand any applicable late fee. However, we subtract interest charges that accrued during prior billing\ncycles on a Special Event balance that ended during the billing cycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less any balances subject\nto a Club Plan or the Promotion Calculation.\nThe amount due on a Club Plan balance is the smaller of:\n\xe2\x80\xa2 1/12th of the Club Plan\'s Highest Balance plus any credit protection or credit insurance fee\nallocated to that balance. (The result is rounded up to the nearest dollar.) Or\n\xe2\x80\xa2 The Club Plan\'s balance on the Statement Closing Date.\nFor each Club Plan balance, the Highest Balance is the highest Club Plan balance on a Statement\nClosing Date, less any credit protection or credit insurance fee allocated to that balance for that cycle,\nsince the last time that balance was zero. The balance is zero at account opening.\nIf you have a Special Event balance subject to the Promotion Calculation, the Promotion Calculation will\nequal 1% of this balance during the promotion period. (The result is rounded up to the next nearest cent.)\nAfter the promotion period, any remaining Special Event balance will be included in the Calculated New\nBalance. The Promotion Calculation will apply if, based on the amount of the Special Event transaction as\nshown on the first statement that displays the transaction and the dollar amount in the Minimum Payment\nDue calculation in effect at the time of the transaction, we determined that paying such dollar amount\neach billing cycle would result in repayment of the Special Event balance before the end of the promotion\nperiod.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is\nnever more than the Calculated New Balance plus the Promotion Calculation plus the amount due on a\nClub Plan balance.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in\naccordance with law. This means that we will generally apply payments in excess of the Minimum\nPayment Due to higher APR balances first. However, excess payments received before a Special Event\npromotion expires are applied to the Special Event promotional balance first in the last two billing cycles\nof the promotional period. And, if the expiration date of a Special Event promotion is before the payment\ndue date in the billing cycle in which the Special Event promotion expires, excess payments received\nbefore the Special Event promotion expires are applied to the Special Event promotional balance first in\nthe last three billing cycles of the promotional period. Payments equal to or less than the Minimum\nPayment Due and credits are applied at our discretion and you authorize us to apply payments and\n\n\x0ccredits in a way that is most favorable or convenient for us. This may include applying such payments and\ncredits to lower APR balances first and to balances with longer promotional periods first.\nPayment Instructions. We credit your payments in accordance with our payment instructions on the\nbilling statement. You must pay us in U.S. dollars. To do so, you must use a check, similar instrument, or\nelectronic debit that is drawn on and honored by a bank in the U.S. Do not send cash. We can accept late\nor partial payments, or payments that reflect "paid in full" or other restrictive endorsements, without losing\nour rights. We also reserve the right to accept payments made in foreign currency and instruments drawn\non funds on deposit outside the U.S. If we do, we select the currency conversion rate. We will then credit\nyour account in U.S. dollars after deducting any costs incurred in processing your payment. Or we may\nbill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or\nother defaults on your account may be reflected in your credit report. We may report account information\nin your name and the names of authorized users. We may also obtain follow-up credit reports on you.\nIf you think we reported incorrect information to a credit bureau, write us at the address shown on the\nback of your billing statement in the section titled "Disputed Accuracy of Credit Report". We will\ninvestigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will\ncontact each credit bureau to which we reported and request a correction. If we disagree with you, we will\ntell you that.\nInformation Sharing\nYou authorize us to share information about you as permitted by law. This includes information we get\nfrom you and others. It also includes information about your transactions with us. Please see our Privacy\nNotice for details about our information sharing practices. The identifying information you provided in your\ncredit application (including name, address, telephone number, email address and social security\nnumber) as well as any updates to that information is provided to us, Macy\xe2\x80\x99s, Inc. and their affiliates.\nChanges to this Agreement\nWe may change the rates, fees, and terms of this Agreement from time to time as permitted by\nlaw. The changes may add, replace, or remove provisions of this Agreement. We will give you\nadvance written notice of the changes and a right to opt out to the extent required by law.\nDefault\nYou default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over\nyour credit limit; pay by a check or similar instrument that is not honored or that we must return because it\ncannot be processed; pay by electronic debit that is returned unpaid; file for bankruptcy; or fail to comply\nwith the terms of this Agreement. If you default, we may close your account and, to the extent permitted\nby law, demand immediate payment of the total balance.\nRefusal of the Card, Closed Accounts, and Related Provisions\nRefusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions\nthat are not approved. That is true even if you have enough credit. We may limit the number of\ntransactions approved in one day. If we detect unusual or suspicious activity, we may suspend your credit\nprivileges.\nPreauthorized Charges. We may suspend any automatic or other preauthorized card charges you\narrange with a third party. We may do this if you default; if the card is lost or stolen; or we change your\naccount for any reason. If we do this, you are responsible for paying the third party directly if you wish to\n\n\x0cdo so. You are also responsible for reinstating the preauthorized charges if you wish to do so and we\npermit it.\nLost or Stolen Cards or Account Numbers. You must call us if any card, account number, or check is\nlost or stolen. You must also call us if you think someone used or may use them without permission.\nWhen you call, we may require you to provide information to help our investigation. We may require you\nto provide this information in writing. For example, we may ask you to identify any charges that were not\nmade by you or someone authorized by you. We may also ask you to confirm that you received no benefit\nfrom those charges.\nClosing Your Account. You may close your account by notifying us in writing or over the phone. If you\nclose your account, you must still repay the total balance in accordance with this Agreement. We may\nalso close your account or suspend account privileges at any time for any reason. We may do this without\nprior notice to you. We may also reissue a different card at any time. You must return any card to us upon\nrequest.\nProtections for Active Duty Service Members and their Dependents\nProtections. Federal 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 credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: The costs associated\nwith credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). You are entitled to these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we\ndetermine you are an active duty member of the Armed Forces (including active Guard and Reserve duty)\nor a dependent of an active duty member. You will cease to be a Covered Borrower if we determine you\nare no longer an active duty member of the Armed Forces (including active Guard and Reserve duty) or a\ndependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your account,\nincluding information about these protections and your payment obligation, by calling 1-877-625-6379.\nTTY: Use 711 or other Relay Service.\nArbitration. The section of the Credit Card Agreement entitled \xe2\x80\x9cARBITRATION\xe2\x80\x9d does not apply if\nyou are a Covered Borrower at the time your account is opened.\n\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nTHIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION.\nARBITRATION REPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR\nPARTICIPATE IN A CLASS ACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN\nARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE\nLIMITED THAN IN COURT. THIS ARBITRATION PROVISION IS GOVERNED BY THE FEDERAL\nARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE BROADEST WAY THE LAW\nWILL ALLOW.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or\nrelated to your account, a previous related account or our relationship (called "Claims").\n\n\x0c\xe2\x80\xa2\n\nIf arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim\nin court or have a jury trial on that Claim.\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\'re based on\nor what remedy (damages, or injunctive or declaratory relief) they seek, including Claims based on\ncontract, tort (including intentional tort), fraud, agency, your or our negligence, statutory or regulatory\nprovisions, or any other sources of law; Claims made as counterclaims, cross-claims, third-party claims,\ninterpleaders or otherwise; Claims made regarding past, present, or future conduct; and Claims made\nindependently or with other claims. This also includes Claims made by or against anyone connected with\nus or you or claiming through us or you, or by someone making a claim through us or you, such as a coapplicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays\nin small claims court.\n\xe2\x80\xa2 We won\'t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim\nagainst us. If you assert a Claim against us, we can choose to arbitrate, including actions to collect a\ndebt from you. You may arbitrate on an individual basis Claims brought against you, including Claims\nto collect a debt.\n\xe2\x80\xa2 Claims brought as part of a class action, private attorney general or other representative action can\nbe arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a\nclass or representative basis and may award relief only on an individual basis. If arbitration is chosen\nby any party, neither you nor we may pursue a Claim as part of a class action or other representative\naction. Claims of 2 or more persons may not be combined in the same arbitration. However,\napplicants, co-applicants, authorized users on a single account and/or related accounts, or corporate\naffiliates are here considered as one person.\nHow arbitration works\n\xe2\x80\xa2 Arbitration shall be conducted by the American Arbitration Association ("AAA") according to this\narbitration provision and the applicable AAA arbitration rules in effect when the claim is filed ("AAA\nRules"), except where those rules conflict with this arbitration provision. You can obtain copies of the\nAAA Rules at the AAA\'s website (www.adr.org) or by calling 800-778-7879. TTY: Use 711 or other\nRelay Service. You or we may choose to have a hearing, appear at any hearing by phone or other\nelectronic means, and/or be represented by counsel. Any in-person hearing will be held in the same\ncity as the U.S. District Court closest to your billing address.\n\xe2\x80\xa2 Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has\nbegun or a final judgment entered. Neither you nor we waive the right to arbitrate by filing or serving a\ncomplaint, answer, counterclaim, motion, or discovery in a court lawsuit. To choose arbitration, a\nparty may file a motion to compel arbitration in a pending matter and/or commence arbitration by\nsubmitting the required AAA forms and requisite filing fees to the AAA.\n\xe2\x80\xa2 The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and\nthe AAA Rules, which may limit discovery. The arbitrator shall not apply any federal or state rules of\ncivil procedure for discovery, but the arbitrator shall honor claims of privilege recognized at law and\nshall take reasonable steps to protect account information and other confidential information of either\nparty if requested to do so. The arbitrator shall apply applicable substantive law consistent with the\nFAA and applicable statute of limitations, and may award damages or other relief under applicable\nlaw.\n\xe2\x80\xa2 The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief\nstatement of the reasons for the award. An arbitration award shall decide the rights and obligations\nonly of the parties named in the arbitration, and shall not have any bearing on any other person or\ndispute.\nPaying for arbitration fees\n\xe2\x80\xa2 We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are\nunrelated to debt collection. Otherwise, arbitration fees will be allocated according to the applicable\nAAA Rules. If we prevail, we may not recover our arbitration fees, unless the arbitrator decides your\n\n\x0cClaim was frivolous. All parties are responsible for their own attorney\'s fees, expert fees and any\nother expenses, unless the arbitrator awards such fees or expenses to you or us based on applicable\nlaw.\nThe final award\n\xe2\x80\xa2 Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30 days of\nnotice of the award. The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel\nwill consider all facts and legal issues anew based on the same evidence presented in the prior\narbitration, and will make decisions based on a majority vote. Arbitration fees for the arbitration\nappeal shall be allocated according to the applicable AAA Rules. An award by a panel on appeal is\nfinal. A final award is subject to judicial review as provided by applicable law.\nSurvival and Severability of Terms\nThis arbitration provision shall survive changes in this Agreement and termination of the account or the\nrelationship between you and us, including the bankruptcy of any party and any sale of your account, or\namounts owed on your account, to another person or entity. If any part of this arbitration provision is\ndeemed invalid or unenforceable, the other terms shall remain in force, except that there can be no\narbitration of a class or representative Claim. This arbitration provision may not be amended, severed or\nwaived, except as provided in this Agreement or in a written agreement between you and us.\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340,\nSt. Louis, MO 63179. Your rejection notice must be mailed within 45 days of account opening. Your\nrejection notice must state that you reject the arbitration provision and include your name, address,\naccount number and personal signature. No one else may sign the rejection notice. Your rejection notice\nwill not apply to the arbitration provision(s) governing any other account(s) that you have or had with us.\nRejection of this arbitration provision won\xe2\x80\x99t affect your other rights or responsibilities under this\nAgreement, including use of the account.\n\nGoverning Law, Enforcing our Rights and Call Monitoring\nGoverning Law. Federal law and the law of South Dakota, where we are located, govern the terms and\nenforcement of this Agreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in\nenforcing them or fail to enforce them.\nCollection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer\ncollection of your account to a lawyer who is not our salaried employee. These costs may include\nreasonable attorneys\' fees. They may also include costs and expenses of any legal action.\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third party.\nCall Monitoring. We may monitor and record any calls between you and us.\nFor Further Information\nCall us toll-free at 1-866-470-8613 for further information. For TTY: Use 711 or other Relay Service.\n\nYour Billing Rights:\nKeep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\n\x0cWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nDepartment Stores National Bank\nPO Box 6781\nSioux Falls, SD 57117-6781\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest\non that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those 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 amount you question\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\n\x0c1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nDepartment Stores National Bank\nPO Box 6781\nSioux Falls, SD 57117-6781\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\nNotice to Wisconsin residents: You must promptly provide your spouse\xe2\x80\x99s name and address to us by\ncalling 1-800-243-6552. For TTY: Use 711 or other Relay Service.\n\xc2\xa9 2021 Department Stores National Bank\n(MCYDSNB180TC030121)-PL\n\n\x0c'


b'DSNB179PRV0621\nRev. 06/21\n\nFACTS\n\nWHAT DOES DEPARTMENT STORES NATIONAL BANK (\xe2\x80\x9cDSNB\xe2\x80\x9d) DO\nWITH YOUR PERSONAL INFORMATION?\n\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law\ngives consumers the right to limit some but not all sharing. Federal law also requires\nus to tell you how we collect, share, and protect your personal information. Please\nread this notice carefully to understand what we do.\n\nWhat?\n\nThe types of personal information we collect and share depend on the product or\nservice you have with us.\nThis information can include:\n\xe2\x80\xa2 Social Security number and income\n\xe2\x80\xa2 account balances and employment information\n\xe2\x80\xa2 credit history and transaction history\n\nHow?\n\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their\neveryday business. In the section below, we list the reasons financial companies can\nshare their customers\xe2\x80\x99 personal information; the reasons DSNB chooses to share; and\nwhether you can limit this sharing.\n\nReasons we can share your personal information\nFor our everyday business purposes \xe2\x80\x93\nsuch as to process your transactions, maintain\nyour account(s), respond to court orders and legal\ninvestigations, or report to credit bureaus\nFor our marketing purposes \xe2\x80\x93\nto offer our products and services to you\nFor joint marketing with other financial companies\nFor our affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93\ninformation about your transactions and experiences\nFor our affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93\ninformation about your creditworthiness\nFor our affiliates to market to you\nFor nonaffiliates to market to you\n\nTo limit\nour sharing\n\nDoes DSNB share?\n\nCan you limit\nthis sharing?\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nYes\n\nYes\nYes\n\nYes\nYes\n\n\xe2\x80\xa2 \x07Call the number below \xe2\x80\x93 our menu will prompt you through your choice(s):\nBloomingdale\xe2\x80\x99s 1-888-922-7026 (TTY: Use 711 or other Relay Service.)\nMacy\xe2\x80\x99s\n1-800-830-3087 (TTY: Use 711 or other Relay Service.)\nPlease note:\nIf you are a new customer, we can begin sharing your information 30 days from the\ndate we sent this notice. When you are no longer our customer, we continue to share\nyour information as described in this notice.\nHowever, you can contact us any time to limit our sharing.\n\nQuestions?\n\nCall the Customer Service number on the back of your credit card or on your billing\nstatement (TTY: Use 711 or other Relay Service.).\n\n\x0cPage 2\n\nWho we are\n\nWho is providing\nthis notice?\n\nYou are receiving this notice from Department Stores National Bank, the bank\nthat issues your credit card.\n\nWhat we do\n\nHow does DSNB protect my\npersonal information?\n\nTo protect your personal information from unauthorized access and use, we\nuse security measures that comply with federal law. These measures include\ncomputer safeguards and secured files and buildings.\nHow does DSNB collect my We collect your personal information, for example, when you\npersonal information?\n\xe2\x80\xa2 Provide account information or give us your contact information\n\xe2\x80\xa2 provide employment information or apply for a loan\n\xe2\x80\xa2 use your credit or debit card\nWe also collect your personal information from others, such as credit bureaus,\naffiliates, or other companies.\nWhy can\xe2\x80\x99t I limit all sharing? Federal law gives you the right to limit only\n\xe2\x80\xa2 sharing for affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x94 information about your\ncreditworthiness\n\xe2\x80\xa2 affiliates from using your information to market to you\n\xe2\x80\xa2 sharing for nonaffiliates to market to you\nState laws and individual companies may give you additional rights to limit\nsharing. See below for more on your rights under state law.\nWhat happens when I limit\nYour choices will apply to everyone on your account.\nsharing for an account I hold\njointly with someone else?\n\nDefinitions\nAffiliates\n\nNonaffiliates\n\nJoint marketing\n\nCompanies related by common ownership or control. They can be financial and\nnonfinancial companies.\n\xe2\x80\xa2 Our affiliates include companies with a Citi name, including Citibank, N.A.,\nFDS Bank, and Macy\xe2\x80\x99s and Bloomingdale\xe2\x80\x99s.\nCompanies not related by common ownership or control. They can be financial\nand nonfinancial companies.\n\xe2\x80\xa2 Nonaffiliates we share with can include companies engaged in direct\nmarketing and the selling of consumer products and services.\nA formal agreement between nonaffiliated financial companies that together\nmarket financial products and services to you.\n\xe2\x80\xa2 Our joint marketing partners can include other financial service companies.\n\nOther important information\n\nFor Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will\nnot disclose your personal information, financial information, credit report, or health information to nonaffiliated\nthird parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those\ndisclosures. For additional information concerning our privacy policies call Bloomingdale\xe2\x80\x99s 1-888-922-7026 or\nMacy\xe2\x80\x99s 1-800-830-3087. For TTY: Use 711 or other Relay Service.\nFor California Residents: We will not share information we collect about you with nonaffiliated third parties,\nexcept as permitted by California law, such as to process your transactions or to maintain your account.\nWe may share your personal information, as permitted by law, with the retailer whose name appears on your\ncard. You cannot limit this sharing.\nTo limit our affiliates from marketing to you, you must limit our sharing of information with them. Do not limit this\nsharing if you want to receive affiliate marketing based on our sharing of your information.\nDSNB acquires and uses services provided by third parties that collect and analyze customer data. This information\nmay be used to service your accounts and for marketing purposes. For additional information about our privacy\npractices please go to onlineprivacy.DSNB.accountonline.com.\nImportant Information about Credit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments or other\ndefaults on your account may be reflected in your credit report.\n\n\x0c'


b'The information in this document would apply to your account if you applied for a new account today.\n(BA922TC030121BLMSL)\n\nDEPARTMENT STORES NATIONAL BANK CREDIT CARD DISCLOSURES\nFOR THE BLOOMINGDALE\xe2\x80\x99S AMERICAN EXPRESS\xc2\xae ACCOUNT\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n25.24%*\n\nAPR for Cash Advances\n\n25.24%*\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest\non cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nEither $5 or 4% of the amount of each cash advance, whichever is\ngreater.\n3% of each purchase transaction in U.S. dollars.**\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cDaily Balance (including current\ntransactions)\xe2\x80\x9d. See your Credit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in the Credit Card Agreement.\n*The purchase and cash advance APRs are equal to the Prime Rate plus a margin of 21.99%.\n**1% of the U.S. dollar amount is paid to American Express as a foreign currency conversion fee.\nProtections for Active Duty Service Members and their Dependents: Please see the section of the\nCredit Card Agreement entitled \xe2\x80\x9cProtections for Active Duty Service Members and their Dependents.\xe2\x80\x9d\n\n1\n\n\x0cDepartment Stores National Bank American Express Credit Card Agreement\nThis Credit Card Agreement is your contract with us. It governs the use of your card and account.\nPlease read this Agreement carefully. Keep it for your records.\nDefinitions\naccount means the relationship established between you and us by this Agreement.\nAPR means an annual percentage rate.\nauthorized user means any person you allow to use your account.\ncard means one or more cards or other access devices that we give you to get credit under this\nAgreement. This includes account numbers.\nwe, us, and our mean Department Stores National Bank, the issuer of your account. Department Stores\nNational Bank is located in Sioux Falls, SD.\nyou, your, and yours mean the person who applied to open the account. It also means any other person\nresponsible for complying with this Agreement.\nYour Account\nYou agree to use your account in accordance with this Agreement. You must pay us for all amounts due\non your account. This Agreement is binding on you unless you close your account within 30 days after\nreceiving the card and you have not used or authorized use of the card. Your account must only be used\nto purchase goods and services for personal, family and household use. Your account must only be used\nfor lawful transactions.\nAuthorized Users. You may request additional cards for authorized users. You must pay us for all\ncharges made by authorized users. You must pay us even if you did not intend to be responsible for\nthose charges. You must notify us to withdraw any permission you give to an authorized user to use your\naccount.\nJoint Accounts. If this is a joint account, each of you is responsible individually and together for all\namounts owed. Each of you is responsible even if the account is used by only one of you. You will\ncontinue to be liable for the entire balance of the account, even if your co-applicant is ordered by a court\nto pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your\naccount status will continue to be reported to the credit bureau under each of your names. The delivery\nof notices or billing statements to either of you serves as delivery to each of you. We may rely on\ninstructions given by either of you. We are not liable to either of you for relying upon such instructions.\nCredit Limit. Your initial credit limit is on the card carrier. After that, your credit limit appears on your\nbilling statement. The full amount of your credit limit is available to use where the card is honored. We\nmay reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you\nof any change, but the change may take effect before you receive the notice. We may, from time to time,\nestablish limits on the amount of cash advances that may be charged to your account. You should always\nkeep your total balance below the credit limit. However, if the total balance goes over your credit limit you\nstill must pay us. If your account has a credit balance, we may reduce the credit balance by any new\ncharges on your account. You may not maintain a credit balance in excess of your credit limit.\nChecks. We may provide you with convenience checks. When we do, any use will be a cash advance\ntransaction even if you use the check to make a payment to another creditor. You may not use\nconvenience checks to pay an amount owed to us under this Agreement or to pay another account with\nus or an affiliate. We do not certify these checks or return any checks that have been paid.\n\n2\n\n\x0cBilling Statement. Your billing statement shows the New Balance. This is the total amount you owe us\non the Statement Closing Date. To determine the New Balance, we begin with the total balance at the\nstart of the billing cycle. We add any purchases or cash advances. We subtract any credits or payments.\nWe then add any interest charges or fees and make other adjustments.\nYour billing statement also shows your transactions; the Minimum Payment Due and payment due date;\nyour credit limit; and your interest charges and fees.\nWe deliver a billing statement to only one address. You must notify Customer Service of a change in\naddress. We may stop sending you statements if we deem your account uncollectible or start collection\nproceedings; but we may continue to add interest and fees as permitted by law.\nAPRs\nVariable APRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR\nwill equal the Prime Rate plus an additional amount. If the Prime Rate increases, it will cause the APR to\nincrease. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use\nthe Prime Rate published in The Wall Street Journal two business days before the Statement Closing\nDate. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of\nthe billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject\nto any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we\nwill use a similar published rate.\nAPR for Purchases. There is a variable regular purchases APR. It equals the Prime Rate plus 21.99%.\nAs of March 1, 2021, this Annual Percentage Rate is 25.24%. This APR equals a daily periodic rate of\n0.06915%.\nAPR for Cash Advances. There is a variable regular cash advance APR. It equals the Prime Rate plus\n21.99%. As of March 1, 2021, this Annual Percentage Rate is 25.24%. This APR equals a daily periodic\nrate of 0.06915%.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may\nincrease as well.\nPromotions\nWe may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a\nlimited period of time. They will be governed by the terms of the promotional offer and this Agreement.\nThey may include the Special Event and Club Plan offers described below. We may offer other\npromotional offers from time to time. Your promotional terms will end when the promotional period\nexpires.\nSpecial Event offers. If a promotional offer is a Special Event offer, interest is deferred, which means no\ninterest charges will be imposed on the Special Event balance if you pay the balance in full by the end of\nthe promotional period for that Special Event balance. We will impose interest charges on the Special\nEvent balance at the APR for regular purchases from the date of purchase if you do not pay the balance\nin full by the end of the promotional period.\nClub Plan offers. If a promotional offer is a Club Plan offer, no interest charges will be imposed on the\nClub Plan balance.\nInterest Charges Based on APRs\n\n3\n\n\x0cInterest Charges. We impose interest charges when we apply APRs to your account balances. We do\nthis every day by using a daily periodic rate. To get a daily periodic rate, we divide the APR by 365.\nWhen Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a\ndaily balance. The charges we add to a daily balance include purchases and cash advances. They also\ninclude interest charges and fees. We continue to impose interest charges until we credit your account\nwith full payment of the total amount you owe us. This method of assessing interest charges described in\nthis section may result in a billing statement with only an interest charge.\nGrace Period on Purchases. You can avoid interest charges on purchases, but not on cash advances\nor excluded promotional balances. This is called a grace period on purchases. The grace period is at\nleast 25 days. To get a grace period on purchases, you must pay the New Balance by the payment due\ndate every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for\ntwo billing cycles in a row.\nIf you have a balance subject to a Special Event promotion and that promotion does not expire before the\npayment due date, that balance (an \xe2\x80\x9cexcluded promotional balance\xe2\x80\x9d) is excluded from the amount you\nmust pay in full to get a grace period on a purchase balance. In addition, if you have a Club Plan balance,\nthat balance (an \xe2\x80\x9cexcluded promotional balance\xe2\x80\x9d) is excluded from the amount you must pay in full to get\na grace period on a purchase balance. However, you must still pay any separately required payment on\nthe excluded promotional balance. In billing cycles in which payments are allocated to Special Event\nbalances first, the Special Event balance will be reduced before any other balance on the account.\nHowever, you will continue to get a grace period on purchases, so long as you pay the New Balance (less\nany excluded promotional balance plus any separately required payment on an excluded promotional\nbalance) in full by the payment due date each billing cycle.\nOther promotional offers not described above may also allow you to have a grace period on purchases\nwithout having to pay all or a portion of the promotional balance by the payment due date. If either is the\ncase, the promotional offer will describe what happens.\nCalculation of Interest Charges \xe2\x80\x93 Daily Balance Method (Including Current Transactions). We\ncalculate interest charges each billing cycle. To do this:\n\xe2\x80\xa2 We start with each of your different balances. These balances include, for example, regular\npurchases, regular cash advances, and different promotional balances. (When we calculate interest\ncharges, we treat each Special Event transaction separately even if it has the same terms as another\nSpecial Event transaction.)\n\xe2\x80\xa2 We calculate the daily balance for each of your different balances. To get a daily balance, we start\nwith the balance as of the end of the previous day. We add any interest charge on the previous day\xe2\x80\x99s\nbalance. (This results in daily compounding of interest charges.) We add any new charges. We\nthen subtract any new credits or payments.\n\xe2\x80\xa2 We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in\nthe billing cycle. This gives us the daily interest charges for each of your different balances.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total interest charge for the billing cycle.\n\xe2\x80\xa2 You authorize us to round interest charges to the nearest cent.\nWhen we calculate daily balances, we add a purchase or cash advance as of the Transaction Date. (The\nTransaction Date for a cash advance is the date we get a request to complete a transaction. When you\nsend a convenience check directly to someone, the Transaction Date is the date we receive the check for\npayment. The Transaction Date is on the billing statement.) We add a transaction fee to the same\nbalance as the transaction. We generally add other fees to the regular purchase balance. We subtract a\npayment or credit as of the day it is credited to the account and then make other adjustments. We treat a\ncredit balance as a balance of zero.\nMinimum Interest Charge. If we charge you interest, the charge will be no less than $2. We add the\n\n4\n\n\x0ccharge to the regular purchase balance or allocate it among one or more of the balances that accrues\ninterest.\nBalance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows\nthis for each different balance. The Balance Subject to Interest Rate is the average of the daily balances\nduring the billing cycle. A billing cycle begins on the day after the Statement Closing Date of the previous\nbilling cycle. It includes the Statement Closing Date of the current billing cycle.\nFees\nTransaction Fee for Cash Advances. You take a cash advance if you use a cash advance\nconvenience check; get money through an automated teller machine (ATM); or get money through home\nbanking or a financial institution. For each cash advance we add a transaction fee of 4% of the amount of\nthe cash advance, but not less than $5.\nTransaction Fee for Purchases in Foreign Currency. We charge you a fee of 3% of the U.S. dollar\namount of each purchase made in a currency other than U.S. dollars, regardless of where the transaction\ntakes place or who the merchant is. 1% of the U.S. dollar amount is paid to American Express as a\nforeign currency conversion fee.\nLate Fee. We may add a late fee for each billing cycle in which you have a past due payment. For late\nfee purposes, you have a past due payment any time you fail to pay the Minimum Payment Due (less the\nAmount Over Credit Limit shown on your billing statement) by the payment due date. The fee will be $29;\nor $40 for any additional past due payment during the next six billing cycles after a past due payment.\nHowever, the fee will not exceed the amount permitted by law. We add this fee to the regular purchase\nbalance.\nReturned Payment Fee. We may add a returned payment fee for a returned payment. A returned\npayment is an electronic debit, payment check, or similar payment instrument, that is returned unpaid.\nWe may add this fee the first time your payment is returned, even if it is not returned upon resubmission.\nThe fee will be $29; or $40 for any additional returned payment during the next six billing cycles after a\nreturned payment. However, the fee will not exceed the amount permitted by law. We add this fee to the\nregular purchase balance.\nReturned Convenience Check Fee. We may add a returned convenience check fee for a returned\nconvenience check. A returned convenience check is any convenience check we do not honor. We may\nnot honor these checks if the amount of the check would cause the balance to go over the cash advance\nlimit or credit limit. We also may not honor these checks if you default; if you did not comply with our\ninstructions regarding the check; if your account has been closed; or for other reasons. The fee will be\n$29; or $40 for any returned convenience check during the next six billing cycles after a returned\nconvenience check. However, the fee will not exceed the amount permitted by law. We add this fee to\nthe regular purchase balance.\nInformation on Foreign Currency Conversion\nOur network provider is American Express. American Express converts transactions in foreign currencies\ninto U.S. dollars. American Express follows its own procedures to do so. These may change from time to\ntime without notice. Currently, American Express uses any conversion rate required by applicable law. If\nthere is none, it uses the highest interbank rate it selects on the business day before the day it processes\nthe transaction. A third party may convert a transaction into U.S. dollars or another currency before\nsending it to our network provider. In these cases, the third party selects the conversion rate. In all\ncases, the conversion rate you get is the one used on the transaction\xe2\x80\x99s processing date. This may be\ndifferent from the one in effect on the Transaction Date or posting date for the transaction.\n\n5\n\n\x0cPayments\nMaking Payments. You may pay all or part of your account balance at any time. However, you must pay\nat least the Minimum Payment Due by the payment due date each billing cycle. The sooner you pay the\nNew Balance, the less you will pay in interest charges.\nWe calculate the Minimum Payment Due as follows. We begin with any past due amount. We add any\namount in excess of your credit limit. We add the amount due on each Club Plan balance. We add any\namount required by the Promotion Calculation. We also add the largest of the following:\n\xe2\x80\xa2 The Calculated New Balance if it is less than $29;\n\xe2\x80\xa2 $29 if the Calculated New Balance is at least $29; or\n\xe2\x80\xa2 1% of the Calculated New Balance (the result is rounded up to the nearest dollar) plus the amount of\nyour billed interest charges on that balance, any minimum interest charge allocated to that balance,\nand any applicable late fee. However, we subtract interest charges that accrued during prior billing\ncycles on a Special Event balance that ended during the billing cycle covered by the statement.\nThe Calculated New Balance equals the New Balance on the billing statement less any balances subject\nto a Club Plan or the Promotion Calculation.\nThe amount due on a Club Plan balance is the smaller of:\n\xe2\x80\xa2 1/12th of the Club Plan\xe2\x80\x99s Highest Balance plus any credit protection or credit insurance fee allocated\nto that balance. (The result is rounded up to the nearest dollar.) Or\n\xe2\x80\xa2 The Club Plan\xe2\x80\x99s balance on the Statement Closing Date.\nFor each Club Plan balance, the Highest Balance is the highest Club Plan balance on a Statement\nClosing Date, less any credit protection or credit insurance fee allocated to that balance for that cycle,\nsince the last time that balance was zero. The balance is zero at account opening.\nIf you have a Special Event balance subject to the Promotion Calculation, the Promotion Calculation will\nequal 1% of this balance during the promotion period. (The result is rounded up to the next nearest cent.)\nAfter the promotion period, any remaining Special Event balance will be included in the Calculated New\nBalance. The Promotion Calculation will apply if, based on the amount of the Special Event transaction as\nshown on the first statement that displays the transaction and the dollar amount in the Minimum Payment\nDue calculation in effect at the time of the transaction, we determined that paying such dollar amount\neach billing cycle would result in repayment of the Special Event balance before the end of the promotion\nperiod.\nThe Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is\nnever more than the Calculated New Balance plus the Promotion Calculation plus the amount due on a\nClub Plan balance.\nApplication of Payments. Payments in excess of the Minimum Payment Due are applied in accordance\nwith law. This means that we will generally apply payments in excess of the Minimum Payment Due to\nhigher APR balances first. However, excess payments received before a Special Event promotion expires\nare applied to the Special Event promotional balance first in the last two billing cycles of the promotional\nperiod. And, if the expiration date of a Special Event promotion is before the payment due date in the\nbilling cycle in which the Special Event promotion expires, excess payments received before the Special\nEvent promotion expires are applied to the Special Event promotional balance first in the last three billing\ncycles of the promotional period. Payments equal to or less than the Minimum Payment Due and credits\nare applied at our discretion and you authorize us to apply payments and credits in a way that is most\nfavorable or convenient for us. This may include applying such payments and credits to lower APR\nbalances first and to balances with longer promotional periods first.\n\n6\n\n\x0cPayment Instructions. We credit your payments in accordance with our payment instructions on the\nbilling statement. You must pay us in U.S. dollars. To do so, you must use a check, similar instrument, or\nelectronic debit that is drawn on and honored by a bank in the U.S. Do not send cash. We can accept\nlate or partial payments, or payments that reflect \xe2\x80\x9cpaid in full\xe2\x80\x9d or other restrictive endorsements, without\nlosing our rights. We also reserve the right to accept payments made in foreign currency and instruments\ndrawn on funds on deposit outside the U.S. If we do, we select the currency conversion rate. We will\nthen credit your account in U.S. dollars after deducting any costs incurred in processing your payment.\nOr we may bill you separately for these costs.\nCredit Reporting\nWe may report information about your account to credit bureaus. Late payments, missed payments, or\nother defaults on your account may be reflected in your credit report. We may report account information\nin your name and the names of authorized users. We may also obtain follow-up credit reports on you.\nIf you think we reported incorrect information to a credit bureau, write us at the address shown on the\nback of your billing statement in the section titled \xe2\x80\x9cDisputed Accuracy of Credit Report\xe2\x80\x9d. We will\ninvestigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we\nwill contact each credit bureau to which we reported and request a correction. If we disagree with you,\nwe will tell you that.\nInformation Sharing\nYou authorize us to share information about you as permitted by law. This includes information we get\nfrom you and others. It also includes information about your transactions with us. Please see our Privacy\nNotice for details about our information sharing practices. The identifying information you provided in your\ncredit application (including name, address, telephone number, email address and social security\nnumber) as well as any updates to that information is provided to us, Macy\xe2\x80\x99s, Inc. and their affiliates.\nChanges to this Agreement\nWe may change the rates, fees, and terms of this Agreement from time to time as permitted by\nlaw. The changes may add, replace, or remove provisions of this Agreement. We will give you\nadvance written notice of the changes and a right to opt out to the extent required by law.\nDefault\nYou default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over\nyour credit limit; pay by a check or similar instrument that is not honored or that we must return because it\ncannot be processed; pay by electronic debit that is returned unpaid; file for bankruptcy; or fail to comply\nwith the terms of this Agreement. If you default, we may close your account and, to the extent permitted\nby law, demand immediate payment of the total balance.\nRefusal of the Card, Closed Accounts, and Related Provisions\nRefusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions\nthat are not approved. That is true even if you have enough credit. We may limit the number of\ntransactions approved in one day. If we detect unusual or suspicious activity, we may suspend your\ncredit privileges.\nPreauthorized Charges. We may suspend any automatic or other preauthorized card charges you\narrange with a third party. We may do this if you default; if the card is lost or stolen; or we change your\naccount for any reason. If we do this, you are responsible for paying the third party directly if you wish to\n\n7\n\n\x0cdo so. You are also responsible for reinstating the preauthorized charges if you wish to do so and we\npermit it.\nLost or Stolen Cards, Account Numbers, or Convenience Checks. You must call us if any card,\naccount number, or check is lost or stolen. You must also call us if you think someone used or may use\nthem without permission. When you call, we may require you to provide information to help our\ninvestigation. We may require you to provide this information in writing. For example, we may ask you to\nidentify any charges that were not made by you or someone authorized by you. We may also ask you to\nconfirm that you received no benefit from those charges.\nClosing Your Account. You may close your account by notifying us in writing or over the phone. If you\nclose your account, you must still repay the total balance in accordance with this Agreement. We may\nalso close your account or suspend account privileges at any time for any reason. We may do this\nwithout prior notice to you. We may also reissue a different card at any time. You must return any card to\nus upon request.\nProtections for Active Duty Service Members and their Dependents\nProtections. Federal 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 credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: The costs associated\nwith credit insurance premiums; fees for ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card\naccount). You are entitled to these protections if you are a Covered Borrower, as defined below.\nCovered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we\ndetermine you are an active duty member of the Armed Forces (including active Guard and Reserve duty)\nor a dependent of an active duty member. You will cease to be a Covered Borrower if we determine you\nare no longer an active duty member of the Armed Forces (including active Guard and Reserve duty) or a\ndependent of an active duty member.\nOral Disclosures. If you are a Covered Borrower, you may obtain information related to your account,\nincluding information about these protections and your payment obligation, by calling 1-877-625-6379.\nTTY: Use 711 or other Relay Service.\nArbitration. The section of the Credit Card Agreement entitled \xe2\x80\x9cARBITRATION\xe2\x80\x9d does not apply if\nyou are a Covered Borrower at the time your account is opened.\nARBITRATION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY.\nTHIS SECTION PROVIDES THAT DISPUTES MAY BE RESOLVED BY BINDING ARBITRATION.\nARBITRATION REPLACES THE RIGHT TO GO TO COURT, HAVE A JURY TRIAL OR INITIATE OR\nPARTICIPATE IN A CLASS ACTION. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN\nARBITRATOR, NOT A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE\nLIMITED THAN IN COURT. THIS ARBITRATION PROVISION IS GOVERNED BY THE FEDERAL\nARBITRATION ACT (FAA), AND SHALL BE INTERPRETED IN THE BROADEST WAY THE LAW\nWILL ALLOW.\nCovered claims\n\xe2\x80\xa2 You or we may arbitrate any claim, dispute or controversy between you and us arising out of or\nrelated to your account, a previous related account or our relationship (called \xe2\x80\x9cClaims\xe2\x80\x9d).\n\n8\n\n\x0c\xe2\x80\xa2\n\nIf arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim\nin court or have a jury trial on that Claim.\n\nExcept as stated below, all Claims are subject to arbitration, no matter what legal theory they\xe2\x80\x99re based on\nor what remedy (damages, or injunctive or declaratory relief) they seek, including Claims based on\ncontract, tort (including intentional tort), fraud, agency, your or our negligence, statutory or regulatory\nprovisions, or any other sources of law; Claims made as counterclaims, cross-claims, third-party claims,\ninterpleaders or otherwise; Claims made regarding past, present, or future conduct; and Claims made\nindependently or with other claims. This also includes Claims made by or against anyone connected with\nus or you or claiming through us or you, or by someone making a claim through us or you, such as a coapplicant, authorized user, employee, agent, representative or an affiliated/parent/subsidiary company.\nArbitration limits\n\xe2\x80\xa2 Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays\nin small claims court.\n\xe2\x80\xa2\n\nWe won\xe2\x80\x99t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim\nagainst us. If you assert a Claim against us, we can choose to arbitrate, including actions to collect a\ndebt from you. You may arbitrate on an individual basis Claims brought against you, including Claims\nto collect a debt.\n\n\xe2\x80\xa2\n\nClaims brought as part of a class action, private attorney general or other representative action can\nbe arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a\nclass or representative basis and may award relief only on an individual basis. If arbitration is chosen\nby any party, neither you nor we may pursue a Claim as part of a class action or other representative\naction. Claims of 2 or more persons may not be combined in the same arbitration. However,\napplicants, co-applicants, authorized users on a single account and/or related accounts, or corporate\naffiliates are here considered as one person.\n\nHow arbitration works\n\xe2\x80\xa2 Arbitration shall be conducted by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) according to this\narbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (\xe2\x80\x9cAAA\nRules\xe2\x80\x9d), except where those rules conflict with this arbitration provision. You can obtain copies of the\nAAA Rules at the AAA\xe2\x80\x99s website (www.adr.org) or by calling 800-778-7879. TTY: Use 711 or other\nRelay Service. You or we may choose to have a hearing, appear at any hearing by phone or other\nelectronic means, and/or be represented by counsel. Any in-person hearing will be held in the same\ncity as the U.S. District Court closest to your billing address.\n\xe2\x80\xa2\n\nArbitration may be requested any time, even where there is a pending lawsuit, unless a trial has\nbegun or a final judgment entered. Neither you nor we waive the right to arbitrate by filing or serving a\ncomplaint, answer, counterclaim, motion, or discovery in a court lawsuit. To choose arbitration, a\nparty may file a motion to compel arbitration in a pending matter and/or commence arbitration by\nsubmitting the required AAA forms and requisite filing fees to the AAA.\n\n\xe2\x80\xa2\n\nThe arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and\nthe AAA Rules, which may limit discovery. The arbitrator shall not apply any federal or state rules of\ncivil procedure for discovery, but the arbitrator shall honor claims of privilege recognized at law and\nshall take reasonable steps to protect account information and other confidential information of either\nparty if requested to do so. The arbitrator shall apply applicable substantive law consistent with the\nFAA and applicable statute of limitations, and may award damages or other relief under applicable\nlaw.\n\n\xe2\x80\xa2\n\nThe arbitrator shall make any award in writing and, if requested by you or us, may provide a brief\nstatement of the reasons for the award. An arbitration award shall decide the rights and obligations\n\n9\n\n\x0conly of the parties named in the arbitration, and shall not have any bearing on any other person or\ndispute.\nPaying for arbitration fees\n\xe2\x80\xa2 We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are\nunrelated to debt collection. Otherwise, arbitration fees will be allocated according to the applicable\nAAA Rules. If we prevail, we may not recover our arbitration fees, unless the arbitrator decides your\nClaim was frivolous. All parties are responsible for their own attorney\xe2\x80\x99s fees, expert fees and any\nother expenses, unless the arbitrator awards such fees or expenses to you or us based on applicable\nlaw.\nThe final award\n\xe2\x80\xa2 Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30 days of\nnotice of the award. The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel\nwill consider all facts and legal issues anew based on the same evidence presented in the prior\narbitration, and will make decisions based on a majority vote. Arbitration fees for the arbitration\nappeal shall be allocated according to the applicable AAA Rules. An award by a panel on appeal is\nfinal. A final award is subject to judicial review as provided by applicable law.\nSurvival and Severability of Terms\nThis arbitration provision shall survive changes in this Agreement and termination of the account or the\nrelationship between you and us, including the bankruptcy of any party and any sale of your account, or\namounts owed on your account, to another person or entity. If any part of this arbitration provision is\ndeemed invalid or unenforceable, the other terms shall remain in force, except that there can be no\narbitration of a class or representative Claim. This arbitration provision may not be amended, severed or\nwaived, except as provided in this Agreement or in a written agreement between you and us.\nRules for rejecting this arbitration provision\nYou may reject this arbitration provision by sending a written rejection notice to us at: P.O. Box 790340,\nSt. Louis, MO 63179. Your rejection notice must be mailed within 45 days of account opening. Your\nrejection notice must state that you reject the arbitration provision and include your name, address,\naccount number and personal signature. No one else may sign the rejection notice. Your rejection notice\nwill not apply to the arbitration provision(s) governing any other account(s) that you have or had with us.\nRejection of this arbitration provision won\xe2\x80\x99t affect your other rights or responsibilities under this\nAgreement, including use of the account.\nGoverning Law, Enforcing our Rights and Call Monitoring\nGoverning Law. Federal law and the law of South Dakota, where we are located, govern the terms and\nenforcement of this Agreement.\nEnforcing this Agreement. We will not lose our rights under this Agreement because we delay in\nenforcing them or fail to enforce them.\nCollection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer\ncollection of your account to a lawyer who is not our salaried employee. These costs may include\nreasonable attorneys\xe2\x80\x99 fees. They may also include costs and expenses of any legal action.\nAssignment. We may assign any or all of our rights and obligations under this Agreement to a third\nparty.\nCall Monitoring. We may monitor and record any calls between you and us.\n\n10\n\n\x0cFor Further Information\nCall us toll-free at 1-866-470-8613 for further information. For TTY: Use 711 or other Relay Service.\n\nYour Billing Rights:\nKeep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nDepartment Stores National Bank\nPO Box 6781\nSioux Falls, SD 57117-6781\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest\non that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling\n\n11\n\n\x0cus that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that\nyou are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those 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 amount you question\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you\nhave tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nDepartment Stores National Bank\nPO Box 6781\nSioux Falls, SD 57117-6781\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\nThe Bloomingdale\xe2\x80\x99s American Express Card program is issued and administered by Department Stores\nNational Bank. American Express is a federally registered service mark of American Express and is used\nby Department Stores National Bank pursuant to a license.\nNotice to Wisconsin Residents: You must promptly provide your spouse\xe2\x80\x99s name and address to us by\ncalling 1-800-243-6552. For TTY: Use 711 or other Relay Service.\n\xc2\xa9 2021 Department Stores National Bank\nBA922TC030121BLM-SL\n\n12\n\n\x0c'


b'United Federal Credit Union\n\nTRUTH-IN-LENDING DISCLOSURE\nSTATEMENT - ACCOUNT OPENING DISCLOSURES\n\n2807 S. State Street\nSt. Joseph, MI 49085\n(888) 982-1400\nBORROWER 1 NAME\n\nACCOUNT NUMBER\n\nBORROWER 2 NAME\n\nDATE\n\nThe following disclosure represents important details concerning your credit card. This statement is incorporated into and\nbecomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to\nincrease any rate on your new balances, in accordance with applicable law. The Credit Card you have received is\nindicated by the checkbox below.\nINTEREST RATES and INTEREST CHARGES:\nU First\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00-2.99% Introductory APR for __6__\nmonths of account opening. After that, your\nStandard APR will be\n\n7.74-17.74%.\n\nU Rewards\n\n10.74-18.00%.\n\nThis APR\n\nwill vary with the market based on the\nPrime Rate*.\n\nThis APR will vary with\n\nthe market based on the Prime Rate*.\n\nAPR for Balance Transfers** 0.00-2.99% Introductory APR for __6__ months of\n\naccount opening. After that, your Standard APR will\nbe 7.74-17.74%. This APR will vary with the\nmarket based on the Prime Rate*.\n\nAPR for Cash Advances\nPaying Interest\n\n10.74-18.00%.\nThis APR\nwill vary with the market based on\nthe Prime Rate*.\n\n10.74-18.00%. This APR will vary\nwith\nthe market based on the Prime\nwith the market based on the Prime\nRate*.\nRate*.\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on\npurchases if you pay your entire new purchase balance by the due date each month. For Cash\nAdvances and Balance Transfers, we will begin charging interest on the transaction date.\n7.74-17.74%. The APR will vary\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain\nyour Account\n- Annual Fee:\n- Application Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\nNone\nNone\n0% of each transaction in U.S. dollars if the transaction involves a currency conversion\n0% of each transaction in U.S. dollars if the transaction does not involve a currency conversion\nIf your payment is made 5 or more days after your statement cycle closes, up to $28 for the\nfirst occurrence and up to $39 each if 2 or more occurrences occur within 6 months.\nNone\nUp to $34 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\nLoss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make a\nlate payment.\nSEE NEXT PAGE for more important information about this account\n9010 LASER VELOCITY FI18735 Rev 7-2017\n\npage 1 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cOTHER IMPORTANT DISCLOSURES:\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS\nAGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS\nAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under\nstate or federal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless\nthat other collateral is a building located or to be located in a special flood hazard area as defined by applicable flood\ninsurance laws; household goods; residential real property; or a dwelling.\n*Variable Rates: The Annual Percentage Rate will be determined monthly by adding a margin to an Index value. For U First, the margin is\nbetween 4.49-14.49 percentage points. For U Rewards, the margin is between 7.49-14.75 percentage points. The Index value is the Prime\nInterest Rate published in the Wall Street Journal \xe2\x80\x9cmoney rates\xe2\x80\x9d table on the last business day of the month (or next business day if the last day\nfalls on a weekend or holiday). A new rate will not apply to your account until the first day of your next billing cycle that begins after a change\ndate. The Annual Percentage Rate will never be more than 18.00%. Any increase will take the form of more payments of the same amount.\nDaily Periodic Rates: U First - Purchases Introductory Rate: 0.00000%-0.00819%; Purchases Rate: 0.02121%-0.04860%; Balance Transfers\nIntroductory Rate: 0.00000%-0.00819%; Balance Transfers Rate: 0.02121%-0.04860%; Cash Advances: 0.02121%-0.04860%\nDaily Periodic Rates: U Rewards \xe2\x80\x93 Purchases Rate: 0.02942-0.04932%; Balance Transfers Rate: 0.02942%-0.04932%; Cash Advances:\n0.02942%-0.04932%\n**Balance Transfers. You may make transfers in any amount as long as the total amount of your balance transfer is less than your available\ncredit limit. You should not transfer any disputed charge amounts because you may lose your dispute rights. You may not transfer balances\nfrom other cards or accounts issued by United Federal Credit Union.\neff 3/17/2020\n\npage 2 of 2\n\n\x0c'