b'SUMMARY OF JARED THE GALLERIA OF JEWELRY CHARGE ACCOUNT TERMS\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate 17% to 29.99%. This APR varies by state. See\nSUMMARY\nOF KAY JEWELERS\nAND KAY\nJEWELERS\nOUTLET\nCHARGE\nACCOUNT\nTERMS\nParagraph\nof JEWELERS\nthe RetailOUTLET\nInstallment\nCredit\nAgreement\n(APR) forSUMMARY\nPurchases\nOF KAY JEWELERS\nAND 3KAY\nCHARGE\nACCOUNT\nTERMS\nfor\ndetails.\nInterest Rates\nRates and\nand Interest\nInterest Charges\nCharges\nInterest\nSUMMARY OF KAY JEWELERS AND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS\n\ndue to\ndate\nis at least 25Thdays\naftervarthe\nof each billing\nAnnual\nPercentage\nRate Your\nHow\nto Avoid\n17%\n26.99%.\ns APR\nesclose\nby state.\nAnnual\nPercentage\nRate Charges\nInterest\nRatesPaying\nand Interest\n17%\ntowill\n26.99%.\nThisinterest\nAPR varies\nby\nstate.\ncycle.\nWe\nnot\ncharge\nyou\non\npurchases\nif you pay\nSee\nParagraph\n3\nof\nthe\nReta\nInsta\nment\nCred\nt Agreement\n(APR)\nfor\nPurchases\nInterest\nPurchases\nSee\nParagraph\n3 ofbythe\nInstallment\nCredit Agreement\n(APR) foronPurchases\nyour\nentire\ntheRetail\ndue date\neach month.\nfor deta\ns.balance\nAnnual Percentage Rate\nfor details.\n17%\nto 26.99%. This APR varies by state.\nSee\nParagraph\nof the\nInstallment\nAgreement\n(APR)\nfor\nPurchases\nNone\nto\n$1.\nThes3minimum\ncharge\nvaries\nbyeach\nstate.b See\nYour due date\nat\neastRetail\n25interest\ndays\nafter\nthe Credit\nc ose of\nng\nHow to Avoid\nPaying\nMinimum\nInterest\nCharge for\nYour\ndue\ndate\nis atcharge\nleast 25\ndays\nafter on\nthepurchases\nclose of each\nbilling\ndetails.\nHow to Avoid Paying\ncyc\ne.\nWe\nw\nnot\nyou\nnterest\nf you\npay\nParagraph\n5\nof\nthe\nRetail\nInstallment\nCredit\nAgreement\nfor\ndetails.\nInterest on Purchases\ncycle.\nWerewill\non month.\npurchases if you pay\nInterest on Purchases\nyour ent\nba not\nancecharge\nby theyou\ndueinterest\ndate each\nyour\nentire\nbalance\nby\nthe\ndue\ndate\neach\nmonth.\nYour\ndue\ndateabout\nis at least\n25 to\ndays\nafter the\nclose\nof eachfor\nbilling\nHowCredit\nto Avoid\nPaying\nlearn\nmore\nfactors\nconsider\nwhen\napplying\nor\nFor\nCard\nTips from To\ncycle.\nWe\nwill\nnot\ncharge\nyou\ninterest\non\npurchases\nif\nyou\npay\nNone\nto\n$1.\nThe\nm\nn\nmum\nnterest\ncharge\nvar\nes\nby\nstate.\nSee\nMinimum\nCharge using\nInterest\nonInterest\nPurchases\naentire\ncard,minimum\nvisit\nthedue\nwebsite\nof themonth.\nConsumer\nFinancial\nNone\ntocredit\n$1.5balance\nThe\ninterest\ncharge\nvaries by state.\nSee\nthe\nConsumer\nFinancial\nMinimum\nInterest\nCharge your\nby the\nParagraph\nof the Reta\nInsta date\nmenteach\nCred t Agreement for deta s.\nProtection\nParagraphBureau\n5 of theat:Retail Installment Credit Agreement for details.\nProtection Bureau\nNone\nto\n$1.\nThe\nminimum\nvaries\nstate.\nTo earn more\nabout\nfactorsinterest\nto conscharge\nder when\nappbyy ng\nfor See\nor\nMinimum\nCharge\nFor Credit Interest\nCard Tips\nfrom http://www.consumerfinance.gov/learnmore.\nTo\nlearn\nmore\nabout\nfactors\nto\nconsider\nwhen\napplying\nfor\nor\nFor\nCredit\nCard\nTips\nfrom\nParagraph\n5\nof\nthe\nRetail\nInstallment\nCredit\nAgreement\nfor\ndetails.\nus\nng\na\ncred\nt\ncard,\nv\ns\nt\nthe\nwebs\nte\nof\nthe\nConsumer\nF\nnanc\na\nthe Consumer Financial\nFees\nusing\na\ncredit\ncard,\nvisit\nthe\nwebsite\nof\nthe\nConsumer\nFinancial\nthe\nConsumer\nFinancial\nProtect on Bureau at:\nProtection Bureau\nTo\nlearn more\nabout\nProtection\nBureau\nat:factors to consider when applying for or\nFor\nCredit\nTips from None\nProtection\nBureau\nhttp://www.consumerfinance.gov/learnmore.\nAnnual\nFeeCard\nusing\na\ncredit\ncard,\nvisit the website of the Consumer Financial\nhttp://www.consumerfinance.gov/learnmore.\nthe Consumer Financial\nFees\nProtection Bureau at:\nPenalty\nProtection\nBureau\nFees Fees\nUp to $39. This fee varies by state. See Paragraph 11.B of the\nhttp://www.consumerfinance.gov/learnmore.\nNone\nAnnual\nFee\n\xe2\x80\xa2Annual\nLate Payment\nRetail\nNoneInstallment Credit Agreement for details.\nFee\nFees\nUp to $39. This fee varies by state. See Paragraph 11.A of the\nPenalty Fees\nUp to $37. Th s fee var es by state. See Paragraph 11.B of the\n\xe2\x80\xa2Penalty\nReturned\nPayment\nFees\nRetail\nInstallment\nCredit\nAgreement\ndetails.\nNone\nAnnual\nFee\nUp\nfee\nvaries\nby state. for\nSee\n11.B of the\n\xe2\x80\xa2 Late Payment\nRetato $37.\nInstaThis\nment\nCred\nt Agreement\nfor Paragraph\ndeta s.\n\xe2\x80\xa2 Late Payment\nRetail Installment Credit Agreement for details.\nUp to $37.\nTh sa fee\nvar escalled\nby state.\nSee Paragraph\n11.A\nof the new\nPenalty\nFees\nHow\nWe Will\nCalculate Your Balance:\nWe use\nmethod\n\xe2\x80\x9caverage\ndaily balance\n(including\n\xe2\x80\xa2 Returned\nPayment\nUp\nto\n$37.\nThis\nfee\nvaries\nby\nstate.\nSee\nParagraph\n11.B\nof\nthe\nUp\nto\n$37.\nThis\nfee\nvaries\nby\nstate.\nSee\nParagraph\n11.A\nof\nthe new\nReta\nInsta\nment\nCred\nt\nAgreement\nfor\ndeta\ns.\npurchases)\xe2\x80\x9d\ninPayment\nall states except MN and NM; we use a method called \xe2\x80\x9caverage daily balance (excluding\nReturned\n\xe2\x80\xa2\xe2\x80\xa2 Late\nPayment\nRetail\nInstallment\nCredit\nAgreement\nfor\ndetails.\nRetail\nInstallment\nCredit\nAgreement\nfor\ndetails.\npurchases)\xe2\x80\x9d in MN and NM. See the Retail Installment Credit Agreement for more details.\nHow We Will Calculate Your Balance: We use a method ca ed \xe2\x80\x9caverage da y ba ance ( nc ud ng new\nUpand\nto\n$37.we\nThis\nfee\nvaries\nby ed\nstate.\nParagraph\n11.A\nofudthe\npurchases)\xe2\x80\x9d\naInformation\nstates except\nMN\nNM\nuse\na method\nca\n\xe2\x80\x9caverage\ndatoyexercise\nba ance\n(exc\nng new\nBilling\nonBalance:\nyour\nrights\ntransactions\nandSee\nhow\nthose\nrights\nis\n\xe2\x80\xa2 Returned\nHow\nWeRights:\nWillnPayment\nCalculate\nYour\nWe to\nusedispute\na method\ncalled\n\xe2\x80\x9caverage\ndaily\nbalance\n(including\nRetail\nInstallment\nCredit\nAgreement\nfor\ndetails.\npurchases)\xe2\x80\x9d\nn\nMN\nand\nNM\nSee\nthe\nReta\nInsta\nment\nCred\nt\nAgreement\nfor\nmore\ndeta\ns\npurchases)\xe2\x80\x9d\nin\nall\nstates\nexcept\nMN\nand\nNM;\nwe\nuse\na\nmethod\ncalled\n\xe2\x80\x9caverage\ndaily\nbalance\n(excluding\nnew\nprovided in your Retail Installment Credit Agreement.\n\npurchases)\xe2\x80\x9d\nin MN\nand NM.\nthe Retail\nAgreement\nmore\ndetails.\nBilling Rights:\nInformat\non See\non your\nr ghtsInstallment\nto d sputeCredit\ntransact\nons andfor\nhow\nto exerc\nse those r ghts s\nHow\nWe\nWill\nCalculate\nYour\nBalance:\nWe\nuse\na\nmethod\ncalled\n\xe2\x80\x9caverage\ndaily\nbalance (including new\nJARED\nTHE\nGALLERIA\nOF\nJEWELRY\nRETAIL\nINSTALLMENT\nCREDIT\nAGREEMENT\nprov\nded\nn\nyour\nReta\nInsta\nment\nCred\nt\nAgreement\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\npurchases)\xe2\x80\x9d\nin allRetail\nstatesInstallment\nexcept MN Credit\nand NM;\nwe use a method called \xe2\x80\x9caverage daily balance (excluding new\nprovided\ninThe\nyour\nAgreement.\nIn this Jared\nGalleria\nOfNM.\nJewelry\nCredit Agreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d),\nwordsdetails.\n\xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to\npurchases)\xe2\x80\x9d\nMNKAY\nand\nSeeRetail\nthe Installment\nRetail\nCredit\nAgreement\nforthemore\nKAY JEWELERSinAND\nJEWELERS\nOUTLET\nRETAInstallment\nL NSTALLMENT\nCRED\nT AGREEMENT\nany person who signs the Application for this Account or this Agreement, or has requested and is issued a Jared The Galleria\nBilling\nRights:\nyour\nrights\nto\ndispute\nhow\nthose\nrights\nKAY\nKAY\nJEWELERS\nOUTLET\nRETAIL\nCREDIT\nAGREEMENT\nOf\ncreditAND\n\xe2\x80\x9cWe\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9d and\n\xe2\x80\x9cour\xe2\x80\x9d\nSterling\nJewelers\nInc.,\nd/b/a\nJared\nThe\nGalleria\nOf\nand\nJared\nVault,\nn Jewelry\nhJEWELERS\ns Kay\nJewe\necard.\nsInformation\nand\nKay\nJewe\neon\ns Ou\ne refer\nRe\na tons\naINSTALLMENT\nmen\nC ed transactions\nAg\neemen\n\xe2\x80\x9cAgand\neemen\n\xe2\x80\x9d to\nhe exercise\nwoJewelry\nds \xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cyou\n\xe2\x80\x9d e is\ne\nP.O.\nBox\nAkron,\nOHhe44309-3680,\nsubsidiaries\nand\nand any\nperson\nto ed\nwhom\nAgreement,\nyoureAccount,\nprovided\nin who\nyour\nInstallment\nAgreement.\no any\npe 3680,\nson\ns Retail\ngns\nApp ca on its\no Credit\nh s Accoun\no haffiliates,\ns Ag eemen\no has\neques\nand this\ns ssued\na Kay Jewe\ns and Kay\n\nIn\nthiseKay\nJewelers\nand\nKay\nJewelers\nRetail\nAgreement\nwords\nand\nand/or\nany\namount\nAccount\nmay\nbe\xe2\x80\x9d assigned.\nmeans\nyour\nJared\nThe\nGalleria\nOf Jewelry\nAccount,\nJewe\ns Ou\ne c eddue\ncaon\nd your\n\xe2\x80\x9cWe\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9dOutlet\nand\n\xe2\x80\x9cou\neInstallment\ne o S \xe2\x80\x9cAccount\xe2\x80\x9d\ne Credit\nng Jewe\ne s nc\nd(\xe2\x80\x9cAgreement\xe2\x80\x9d),\nb a Kay\nJewe\nethe\ns and\nKay\xe2\x80\x9cyou\xe2\x80\x9d\nJewe\ne s\xe2\x80\x9cyour\xe2\x80\x9d\nOu which\ne refer\nPO\nto\nany\nperson\nwho\nsigns\nthe Application\nfor this\nAccount\norfithis\nAgreement,\norson\nhas\nrequested\nand\nisAccount\nissued\naor\nKay\nJewelers\nand\nBox\n3680\nAk\non\nOH\n44309\n3680\ns\nsubs\nd\na\nes\nand\na\na\nes\nand\nany\npe\no\nwhom\nh\ns\nAg\neemen\nyou\nAccoun\nandKay\no\nwill\nbe\ngoverned\nby\nthis\nAgreement.\n\xe2\x80\x9cAuthorized\nUser\xe2\x80\x9d\nmeans\nany\nperson\nyou\npermit\nto\nuse\nyour\nwho\nhas\napparent\nKAY\nJEWELERS\nAND\nKAY\nJEWELERS\nOUTLET\nRETAIL\nINSTALLMENT\nCREDIT\nAGREEMENT\nJewelers\nOutlet\ncredit\ncard.\n\xe2\x80\x9cWe\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d\nand\n\xe2\x80\x9cour\xe2\x80\x9d\nrefer\nSterling\nInc.,\nd/b/a eKay\nJewelers\nandeKay\nJewelers\nany amoun\ndueso.\non\xe2\x80\x9cCard\xe2\x80\x9d\nyou\nAccoun\nmay\nbe ass\ngned\n\xe2\x80\x9cAccoun\n\xe2\x80\x9d means\nyou the\nKayAccount\nJewe\ns and\nJewe\nsincluding\nOu\ne Accoun\nwhP.O.\nch\nauthority\nto do\nmeans\nany access\ndevice\nortomethod\nbyJewelers\nwhich\nmay\nbeKay\naccessed,\ntheOutlet,\nAccount\nBox\n3680,\nAkron,\nOHh44309-3680,\nits\xe2\x80\x9cAu\nsubsidiaries\nand\xe2\x80\x9d affiliates,\nand\nany\nperson\ntomwhom\nthisyou\nAgreement,\nyour\nAccount,\nand/or\nw this\nbe\ngove\nnedmeans\nby\nAg eemen\nhoRate.\nzed \xe2\x80\x9cInterest\xe2\x80\x9d\nUse\nmeans\nany\npeAgreement\nsonCharges\xe2\x80\x9d\nyou pe\no use\nAccoun\no charges\nwho\nhas\nappa\nen\nnumber.\n\xe2\x80\x9cAPR\xe2\x80\x9d\nPercentage\nandCredit\n\xe2\x80\x9cInterest\nmean\ntheKay\nperiodic\nfinance\nthat\nare\nIn\nKay\nJewelers\nandsAnnual\nKay\nJewelers\nOutlet\nRetail\nInstallment\n(\xe2\x80\x9cAgreement\xe2\x80\x9d),\nthe\nwords\n\xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cyour\xe2\x80\x9d\nrefer\nany\namount\ndue\non \xe2\x80\x9cCa\nyour\nAccount\nmay\nassigned.\nmeans\nyour\nJewelers\nand\nJewelers\nOutlet\nwhich\nau ho\ny opursuant\ndo so\nd\xe2\x80\x9d\nmeans5.\nany be\naccess\ndev ce\xe2\x80\x9cAccount\xe2\x80\x9d\no me hod\nby wh\nch Kay\nhe Accoun\nmay\nbe accessed\nnc ud Account,\nng he Accoun\ncalculated\nto\nParagraph\nto\nany\nwho\nthe\nApplication\nfor this\nor \xe2\x80\x9dthis\nor\nrequested\nand\nis issued\na Kay\nJewelers\nand\nwill\nbeperson\ngoverned\nbysigns\nthisAnnua\nAgreement.\n\xe2\x80\x9cAuthorized\nUser\xe2\x80\x9d\nmeans\nany\nyouhas\npermit\nto usehe\nyour\nAccount\nor who\nnumbe\n\xe2\x80\x9cAPR\xe2\x80\x9d\nmeans\nPe cen\nage\nRa eAccount\n\xe2\x80\x9c n e es\nandAgreement,\n\xe2\x80\x9c nperson\ne es Cha\nges\xe2\x80\x9d\nmean\npe\nod\nc finance\nchahas\ngesapparent\nha Kay\nae\nJewelers\ncredit\n\xe2\x80\x9cWe\xe2\x80\x9d\nand\n\xe2\x80\x9cour\xe2\x80\x9d\nreferor\nto method\nSterling by\nJewelers\nInc.,Account\nd/b/a Kay\nJewelers\nand Kayincluding\nJewelersthe\nOutlet,\nP.O.\nauthority\ntopudo\nso.\n\xe2\x80\x9cCard\xe2\x80\x9d\nmeans\naccess\ndevice\nwhich\nthe\nmay\nbe\naccessed,\nAccount\nca cu\na edOutlet\nsuan\nocard.\nPapromise\nag\naph \xe2\x80\x9cus\xe2\x80\x9d\n5any\n1.\nPromise\nto\nPay:\nYou\nto\npay\nus\nfor\nall\ncredit\nextended\non\nthis\nAccount\nand\nall\nother\namounts\nowed\nto\nus\nunder\nBox\n3680,\xe2\x80\x9cAPR\xe2\x80\x9d\nAkron,means\nOH 44309-3680,\nits subsidiaries\nand affiliates,\nand any person\nto whom\nAgreement,\nyour charges\nAccount,that\nand/or\nnumber.\nAnnual Percentage\nRate. \xe2\x80\x9cInterest\xe2\x80\x9d\nand \xe2\x80\x9cInterest\nCharges\xe2\x80\x9d\nmean this\nthe periodic\nfinance\nare\nthe\nterms\nofdue\nYou\nfor\ntransactions\nor aotherwise\nincur sand\nanyAccount,\nany\nonAgreement.\nyour\nAccount\nmay\nberesponsible\nassigned.\nmeans\nKay make\nJewelers\nando Kay\nOutlet\nwhich\n1 Pamount\nom sepursuant\nothis\nPay\nYou\np om se\noare\npay\nus\no a c\xe2\x80\x9cAccount\xe2\x80\x9d\ned any\nex ended\non your\nh s you\nAccoun\nand\nhe Jewelers\namoun\nowed\notransactions\nus unde\nhe\ncalculated\nto\nParagraph\n5.\nwill\nbe ogoverned\nby this Agreement.\n\xe2\x80\x9cAuthorized\nmeans ons\nany you\nperson\nyou\nor who\nhasncu\napparent\ne ms\nh s Ag eemen\nYou a e espons\nb e o User\xe2\x80\x9d\nany ansac\nmake\no permit\no he wto\nseuse\nncuyour\nandAccount\nany ansac\nons\ned by\n1.\nPromise\nPay:\nYou\npay\nus\nall credit\nextended\nthis Account\nall other\namounts\nowedon\nto us\nthe\nanyone\ne to\nse to\nyou\nhave\naupromise\nhomeans\nzed to\no use\nh sfor\nAccoun\na e a so\nespons\nb eAccount\no and\nhe use\nobeeach\nCa d ssued\nhthe\nsunder\nAccoun\nauthority\ndo\nso.\n\xe2\x80\x9cCard\xe2\x80\x9d\nany\naccess\ndevice\norYou\nmethod\nbyon\nwhich\nthe\nmay\naccessed,\nincluding\nAccount\nterms\nof this\nAgreement.\nYou Ca\nare\nresponsible\nfor any\ntransactions\nyou\notherwise\nincur\nand\ntransactions\nincurred\nby\nYou may\neques\nadd Annual\nona\nds\non h sRate.\nAccoun\no you\nse \xe2\x80\x9cInterest\no omake\nheCharges\xe2\x80\x9d\ns orand\nyou\nmay\npeperiodic\nm any\nan Au\nho zed\nUse\no have\nnumber.\n\xe2\x80\x9cAPR\xe2\x80\x9d\nmeans\nPercentage\n\xe2\x80\x9cInterest\xe2\x80\x9d\nand\nmean\nthe\nfinance\ncharges\nthat\nare\nanyone else\nyou have\nto use this Account. You are also responsible for the use of each Card issued on this Account.\ncalculated\npursuant\nto authorized\nParagraph 5.\n94188_418593 60004_Genes s Ja ed_ 5 ndd 1\nYou may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have\n1. Promise to Pay: You promise to pay us for all credit extended on this Account and all other amounts owed to us under the\n\nincurred by anyone else you have authorized to use this\nAccount. You are also responsible for the use of each\nCard issued on this Account. You may request additional\nCards on this Account for yourself or others, and you may\npermit an Authorized User to have access to the Card or\nAccount number. However, if you do so, you must pay us\nfor all charges made by those persons. See Paragraph\naccess\nthe Card\nor Account\nnumber.\nHowever, iffor\nyou do\n23\nfor to\ndetails.\nWhen\nyou sign\nthe Application\naccess\nthe pay\nCard\norforAccount\nnumber.\nifpersons.\nyouthis\ndo\nso, you to\nmust\nusbe\nall charges\nmadeHowever,\nby those\nAccount,\nyoupay\nwillus\nagreeing\nto everything\nwritten\nhere.\nso,\nyou\nmust\nfor\nall\ncharges\nmade\nby\nthose\npersons.\nSee\nParagraph\n23\nfor\ndetails.\nWhen\nyou\nsign\nthe\nApplication\nTherefore,\nbefore\nyou\nsign When\nthe Application,\nshould\nSee\nParagraph\n23 you\nfor\ndetails.\nyoutosign\nthe you\nApplication\nfor this\nAccount,\nwill\nbe agreeing\neverything\nwritten\naccess\nto\nthe\nCard\nor will\nAccount\nnumber.\nif provide\nyou\ndo\nread\nthis\nentire\nAgreement.\nThe\ninformation\nyou\nfor\nthis\nAccount,\nyou\nbesign\nagreeing\ntoHowever,\neverything\nwritten\nhere.\nTherefore,\nbefore\nyou\nthe\nApplication,\nyou\nshould\nso,\nyou\nmust\npaybefore\nus that\nforyou\nallidentifies\ncharges\nmade\nthose\npersons.\non\nthe\nApplication\nyou\nisbyincorporated\nin\nhere.\nTherefore,\nsign\ntheinformation\nApplication,\nyou\nshould\nread\nthis\nentire\nAgreement.\nThe\nyou\nprovide\nSee\nParagraph\nforreference.\ndetails. When\nyou\nsign theyou\nApplication\nread\nthisApplication\nentire23by\nAgreement.\nThe\nthis\nAgreement\nThisinformation\nAgreement\nwill provide\nnot be\non this\nthe\nthat\nidentifies\nyou\nis\nincorporated\nin\nfor\nAccount,\nyou\nwill\nbe\nagreeing\nto\neverything\nwritten\non\nApplication\nthat\nidentifies\nyou\nisyour\nincorporated\nin\neffective\nunless by\nandreference.\nuntil\nweThis\napprove\nApplication.\nthisthe\nAgreement\nAgreement\nwill not be\nhere.\nTherefore,\nbefore\nyou sign\nthe\nApplication,\nyou should\nthis\nAgreement\nby\nreference.\nAgreement\nwill\nnot be\neffective\nunless\nand\nuntil\nweThis\napprove\nyour\nApplication.\n2.\nBalances:\norinformation\ngroupyour\nof you\ntransactions\nread\nthis unless\nentireEach\nAgreement.\nTheapprove\nprovide\neffective\nandtransaction\nuntil we\nApplication.\n2. the\nBalances:\nEach that\ntransaction\nor you\ngroup\nof transactions\nsubject\nto\nthe same\nterms\n(such as\nthe\napplicable\nAPR and\non\nApplication\nidentifies\nis incorporated\nin\n2.\nBalances:\nEach\ntransaction\nor\ngroup\nof balance.\ntransactions\nsubject\ntoshall\nthe same\nterms\n(such\nasofAgreement\nthe\nand\nthis\nAgreement\nreference.\nThis\nwillAPR\nnot The\nbe\nduration)\nbebyconsidered\npart\ntheapplicable\nsame\nsubject\ntosubject\nthe same\nterms\n(such\nasofthe\nAPR\nand\nduration)\nshall\nbeto\nconsidered\nthe\nsame\nbalance.\nThe\neffective\nunless\nand\nuntil\nwepart\napprove\nyour\nApplication.\nbalance\nthe\nRegular\nAPR\nandapplicable\nthe other\nregular\nduration)\nshall betoconsidered\npartAPR\nof the\nbalance.\nThe\nbalancesetsubject\nthe Agreement\nRegular\nandsame\nthe other\nregular\nterms\nforth\nin\nthis\nis\nyour\nAccount\xe2\x80\x99s\nregular\n2.\nBalances:\ntransaction\noris group\nof other\ntransactions\nbalance\nto this\nthe\nRegular APR\nand the\nregular\nterms\nsetsubject\nforthEach\nin\nAgreement\nyour\nAccount\xe2\x80\x99s\nbalance.\nyour\ntotal\nbalance\neach\nbilling\nsubject\ntoWe\nthecalculate\nsame\nterms\n(such\nasis the\napplicable\nAPR\nand\nterms\nset\nforth\nin this\nAgreement\nyour\nAccount\xe2\x80\x99s\nregular\nbalance.\nWe\ncalculate\nyour\ntotal regular\nregular\nbalance\neach\nbilling\ncycle\ntaking\nregular\nbalance\nthe\nprior\nbilling\nduration)\nshall\nbe the\nconsidered\npart\nof thefor\nsame\nThe\nbalance.\ncalculate\nyour total\nregular\nbalance\neach billing\ncycle by\nbyWe\ntaking\nthe\nregular\nbalance\nfor\nthe balance.\nprior\ncycle,\nadding\nany\nregular\npurchases,\nInterest\nbalance\nsubject\ntheregular\nRegular\nAPR fees,\nand\nregular\ncycle\ntaking\nbalance\nfor the\nthe other\npriorCharges,\nbilling\ncycle, by\nadding\nanytothe\nregular\npurchases,\nfees,\nInterest\nCharges,\nother adding\nfinance\ncharges,\nand\notherisdebits,\nand subtracting\nterms\nset\nforthany\nin regular\nthis Agreement\nyour\nregular\ncycle,\npurchases,\nfees, Account\xe2\x80\x99s\nInterest\nCharges,\nother\nfinance\ncharges,\nand\nother\nand each\nsubtracting\nbalance.\nWe calculate\nyour\ntotal\nregular\nbalance\nbilling\nany payments\nor other\ncredits,\nas debits,\nof the\nclosing\ndate\nfor\nany\nor the\nother\ncredits,\nas oftofor\nthe\nclosing\nfor\nthat payments\nbilling\ncycle.\nBalances\nsubject\npromotional\nterms\ncycle\nby taking\nregular\nbalance\nthe\npriordate\nbilling\nare promotional\npromotional\nbalances.\nWe\ncalculate\nthe total\ntotalCharges,\nofterms\nany\nthat\nbilling\nBalances\nsubject\nto promotional\ncycle,\naddingcycle.\nany balances.\nregular\npurchases,\nfees,\nInterest\nare\nWe\ncalculate\nthe\nof\nany\npromotional\nbalance\nbyand\nadding\nthedebits,\npromotional\npurchase\nare\npromotional\nbalances.\nWe\ncalculate\nthe\nof any\nother\nfinancebalance\ncharges,\nother\nandtotal\nsubtracting\npromotional\nby\nadding\nthe\npromotional\npurchase\nfor that\nthat\nbalance\nand\nsubtracting\nany\npayments\nallocated\npromotional\nbalance\nbysubtracting\nadding as\ntheany\nany\npayments\nor and\nother\ncredits,\nofpromotional\nthe\nclosing purchase\ndate for\nfor\nbalance\npayments\nallocated\nto that\npromotional\nbalance\nor\nother\ncredits.\nYou authorize\nfor\nthat\nbalance\nsubtracting\nany\npayments\nallocated\nthat\nbilling\ncycle. and\nBalances\nsubject\nto\npromotional\nterms\nto\nthat\npromotional\nbalance\nor\nother\ncredits.\nYou\nauthorize\nus that\nto\nallocate\nany\npayment\nor other\ncreditcredits.\namong\nyourauthorize\nregular\nto\npromotional\nbalance We\nor\nare\npromotional\nbalances.\ncalculate\nthe You\ntotal\nof\nany\nus\nto\nallocate\nany\npayment\nor\ncredit\namong\nyour\nregular\nandtopromotional\ninor any\nmanner,\nin a\nus\nallocatebalance\nanybalances,\npayment\ncredit\namongincluding\nyourpurchase\nregular\npromotional\nby\nadding\nthe\npromotional\nand\npromotional\nbalances,\nintoany\nany\nmanner,\nincluding\nin aa\nmanner\nthat\nmay be\nbeneficial\nus,any\nexcept\nwhere\notherwise\nand\npromotional\nbalances,\nin\nmanner,\nincluding\nin\nfor\nthat\nbalance\nand\nsubtracting\npayments\nallocated\nmanner\nthat\nmay\nbe balance\nbeneficial\ntoother\nus, except\nexcept\nwhere\notherwise\nprohibited\nbymay\napplicable\nlaw. The\ntotal\nof\nyourwhere\nregular\nbalance\nmanner\nthat\nbe\nbeneficial\nus,\nto\nthat promotional\norto\ncredits.\nYou otherwise\nauthorize\nprohibited\nby applicable\napplicable\nlaw. The\nThe\ntotal\nof\nyourBalance\xe2\x80\x9d\nregular\nbalance\nandtoany\npromotional\nbalances\nthe of\n\xe2\x80\x9cNew\nshown\nprohibited\nby\nlaw.\nyour\nregular\nus\nallocate\nany payment\noristotal\ncredit\namong\nyour balance\nregular\non your\nstatement.\nand\nany\npromotional\nbalances\n\xe2\x80\x9cNew Balance\xe2\x80\x9d\nand\npromotional\nbalances,\nin is\nanythemanner,\nincludingshown\nin a\non\nyour Regular\nstatement.\nmanner\nthat\nmayAnnual\nbe beneficial\nto us, Rate:\nexceptIf where\notherwise\n3. Your\nPercentage\nInterest\nCharges\n(which\nFINANCE\nCHARGES)\nduring Charges\na billing\nprohibited\nby\napplicable\nlaw.\nThe are\ntotalassessed\nof your\nregular\nbalance\n3.\nYour are\nRegular\nAnnual\nPercentage\nRate:\nIf Interest\ncycle,\nwe\nwill\nuse theCHARGES)\nfollowingisAnnual\nPercentage\n(the\nand\nany\npromotional\nbalances\ntheassessed\n\xe2\x80\x9cNew\nBalance\xe2\x80\x9d\n(which\nare\nFINANCE\nare\nduringRate\nashown\nbilling\n\xe2\x80\x9cRegular\nAPR\xe2\x80\x9d)\nand\ncorresponding\nmonthly\nperiodic\nrate,\non\nyour\nstatement.\ncycle,\nwe\nwill\nuse\nthe\nfollowing\nAnnual\nPercentage\nRate\n(the\ncycle,\nwill\nthe following\nAnnual Percentage Rate (the\nsubjectwe\ntoAPR\xe2\x80\x9d)\nany use\npromotional\nterms:\n\xe2\x80\x9cRegular\nand\nmonthly\nperiodic\nrate,\n3.\nYour Regular\nPercentage Rate:\nIf Interest\nCharges\n\xe2\x80\x9cRegular\nAPR\xe2\x80\x9d) Annual\nand corresponding\ncorresponding\nmonthly\nperiodic\nrate,\nsubject\nto\nany\npromotional\nterms:\n(which\nFINANCE\nCHARGES)\nare assessed during a billing\nsubjectare\nto any\npromotional\nterms:\ncycle, we will use the\nWefollowing\napp y heAnnual Percentage\nANNUALRate (the\nyou esAPR\xe2\x80\x9d)\nde n and corresponding monthly periodic rate,\n\xe2\x80\x9cRegular\nmon\nh\ny\nPERCENTAGE\nWe apply the\nANNUAL\ns areside\no promotional\nsubject\ntoe any\nIfhe\nyou\nin pe od cterms:\naeo\nRATE\nthe state of:\n\nAL\nIf you reside in\nAL state of:\nthe\nAR\nCO GA\nAR\nMS GA,\nOK TN\nAL\nCO,\nTX VT WY\nMS, OK, TN,\nDC VT,\nMD WY\nTX,\nAR\n\nmonthly\nperiodic rate of:\n1 75% o $750 00\nWe apply the\n1 5% ove\n$750 00\n1.75%\nto $750.00\nmonthly\n1.5%\noverrate\n$750.00\nperiodic\nof:\n1 4167%\n\nPERCENTAGE\nRATE\n21%\nANNUAL\n18%\n21%\nPERCENTAGE\n18%\nRATE\n17%\n\n1.4167%\n17%\n1.75%\n21%\n1 75% to $750.00\n21%\n1.5% over $750.00\n18%\n1.75%\n21%\n2 0%\n24%\n1.4167%\n17%\nH\nMA\nMN\nNC\n1\n5%\n18%\nDC,\nMD\n2.0%\n24%\nCO, GA,\nMS,\nOK,\nTN,\n1.75%\n21%\nN\nM\nNY\nOH\nWV\n2\n0825%\n24\nHI, MA, MN, NC 1.5%\n18%99%\nTX, VT, WY\n1\n75%\no\n$499\n99\nIN, MI, NY, OH, WV 2.0825%\n24.99%\n21%\nDC,\n2.0%\nNE MD\n1 5% o $500 00 and 24%\n18%\n1.75%\nto\n$499.99\nmo e\n21%\nHI,\nNE MA, MN, NC 1.5%\n1.5% for $500.00 and 18%\n18%\nA o he s a es\n2 4992%\n29 99%\nmore\nIN, MI, NY, OH, WV 2.0825%\n24.99%\nAll other states\n2.4992%\n29.99%\n1.75%\nto $499.99\nFederal law provides important protections\n21% to members\nNE\n1.5%\nfor\n$500.00\nand\nof the Armed Forces and their dependents\n18% relating to\nmoreimportant\nFederal\nlaw ofprovides\nextensions\nconsumer\ncredit. protections\nIn general, to\nthemembers\ncost of\nofAll the\nArmed\nForces\nand their dependents\nrelating to\nother\nstates\n2.4992%\n29.99%\nS\na\ne\nMax\nmum\nRe\nu\nned\nextensions of consumer credit. In general, the cost of\nPaymen Fee\nState\nMaximum Returned\n\nof any minimum payment for your regular balance and for any\nFederal law provides important protections to members\npromotional balance. The minimum payment for your regular\nof the Armed Forces and their dependents relating to\nbalance will be the greater of 5% of the regular purchase\nextensions of consumer credit. In general, the cost of\nbalance(s), or $30. The minimum payment for your regular\nconsumer credit to a member of the Armed Forces and his\nbalance will never exceed the regular balance.\nor her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the\nIf your billing statement shows a promotional balance (such\ncredit transaction or account: The costs associated with\nas\na \xe2\x80\x9cNo Interest\xe2\x80\x9d\nbalance,\na \xe2\x80\x9cReduced\nInterest\nconsumer\ncredit to a member\nof theancillary\nArmed Forces\nand his\nbalance(s),\nor $30.\nThe minimum\npayment\nforRate\xe2\x80\x9d\nyourbalance,\nregular\ncredit\ninsurance\nfees\nproducts\nconsumer\ncredit premiums;\nto\na member\nof for\nthe\nArmed percentage\nForces\nandsold\nhis\nbalance(s),\nor\n$30.exceed\nThe\nminimum\npayment\nforthe\nyour\nregular\nand/or\n(18)\nbalance),\nminimum\nor connection\nher dependent\nmay\nnot exceed\nan annual\nrate\nbalance an\nwill\xe2\x80\x9cEighteen\nnever\ntheMonth\xe2\x80\x9d\nRegular\nBalance.\nin\nwith\nthe\ncredit\ntransaction;\nany\napplication\nfee\nor\nher\ndependent\nmay\nnot\nexceed\nan\nannual\npercentage\nrate\nbalance\nwill\nnever\nexceed\nthe\nRegular\nBalance.\npayment\nfor\nthis\nbalance\nshall\nbe\ncalculated\nas\nspecified\nin\nof 36 percent.\nThis\nrate\nmust include, asfees\napplicable\nto the\ncharged\n(otherThis\nthanrate\ncertain\nfor specified\nIf your billing\nstatement\nshows\na promotional\nbalance\n(such\nof\n36 percent.\nmustapplication\ninclude,\nas applicable\ntowith\nthe\nParagraph\n7.\nThere\nshall\nbe\nno\nseparate,\nadditional\nminimum\ncredit\ntransaction\nor\naccount:\nThe\ncosts\nassociated\nIf\nshows\na promotional\nbalance\n(such\nconsumer\ncredit to or\naormember\nof the\nArmed\nForces andwith\nhis\nbalance(s),\nor statement\n$30.balance,\nThe minimum\npayment\nforRate\xe2\x80\x9d\nyourbalance,\nregular\ncredit transactions\naccounts);\nandcosts\nany participation\nfee\nasyour\na \xe2\x80\x9cNobilling\nInterest\xe2\x80\x9d\na \xe2\x80\x9cReduced\nInterest\ncredit\ntransaction\naccount:\nassociated\npayment\ncomponent\nforthe\nnon-regular,\nnon-promotional\ncredit\ninsurance\npremiums;\nfeesThe\nfor\nancillary\nproducts sold\nas\na \xe2\x80\x9cNoan\nInterest\xe2\x80\x9d\naaMonth\xe2\x80\x9d\n\xe2\x80\x9cReduced\nInterest\nRate\xe2\x80\x9d\nbalance,\nor\nher insurance\ndependent\nmaycertain\nnot exceed\nan ancillary\nannualfees\npercentage\nrate\nbalance\nwill\nnever balance,\nexceed\nRegular\nBalance.\ncharged\n(other\nthan\nparticipation\nfor\na\ncredit\nand/or\n\xe2\x80\x9cEighteen\n(18)\nbalance),\nthe\nminimum\ncredit\npremiums;\nfees\nfor\nproducts\nsold\nbalance\nunless\nwe\nprovide\nyou\nnotice\nof\nsuch\na\nrequirement.\nin connection\nwith\nthe\ncredit\ntransaction;\nany\napplication\nfee\nand/or\nanfor\xe2\x80\x9cEighteen\n(18)shall\nMonth\xe2\x80\x9d\nbalance), as\nthespecified\nminimum\nof\n36account).\npercent.with\nThisthe\nrate\nmusttransaction;\ninclude, asany\napplicable\nto the\npayment\nthis\nbalance\nbe\ncalculated\nin\ncard\nin\nconnection\ncredit\napplication\nfee\nIf\nyour billing\nstatement\nshows\na promotional\nbalance\n(such\ncharged\n(other than\ncertain\napplication\nfees\nfor specified\npayment\nfor\nthis\nbalance\nshall\nbe\ncalculated\nas\nspecified\nin\ncredit\ntransaction\nor certain\naccount:\nThe costsfees\nassociated\nwith\n7.\nPromotional\nTerms:\nAt\nour\nsole\ndiscretion,\nwe\nmay\noffer\nParagraph\n7.\nThere\nshall\nbe\nno\nseparate,\nadditional\nminimum\ncharged\n(other\nthan\napplication\nfor\nspecified\nas\na\n\xe2\x80\x9cNo\nInterest\xe2\x80\x9d\nbalance,\na\n\xe2\x80\x9cReduced\nInterest\nRate\xe2\x80\x9d\nbalance,\ncredit\ntransactions\nor\naccounts);\nand\nany\nparticipation\nfee\nTo\nreceive\nthis\ndisclosure\nand\na\ndescription\nof\nyour\nParagraph\n7. There\nshallfor\nbeaano\nseparate,\nadditional\nminimum\ncredit\ninsurance\npremiums;\nfees for\nancillary\nproducts sold\nyou\npromotional\nterms\nfor\nnew\npurchase\nor\nfor\nexisting\npayment\ncomponent\nnon-regular,\nnon-promotional\ncredit\ntransactions\norcertain\naccounts);\nand\nany fees\nparticipation\nfee\nand/or\nan component\n\xe2\x80\x9cEighteen\n(18)\nbalance),\nthe an\nminimum\ncharged\n(other\nthan\nparticipation\nfor\na credit\npayment\nobligation\nunder\nthis\nagreement\norally,\nplease\ncall\npayment\nforwill\naMonth\xe2\x80\x9d\nnon-regular,\nnon-promotional\nin\nconnection\nwith\nthe\ncredit\ntransaction;\nany\napplication\nfee\nbalance\nunless\nwe\nprovide\nyou\nnotice\nof\nsuch\na\nrequirement.\nbalance.\nAny\npromotion\nbe\nsubject\nto\nthe\nterms\nof the\ncharged\n(other\nthan\ncertain\nparticipation\nfees\nfor\na\ncredit\npayment\nfor this\nshall\nbe calculated\nasrequirement.\nspecified\nin\ncard account).\nbalance\nunless\nwebalance\nprovide\nyou\nnotice\nofBelow\nsuch ais\n1-866-875-5929.\ncharged\n(other than certain application fees for specified\npromotional\noffer\nand\nthis\nAgreement.\na description\ncard\naccount).\n7.\nPromotional\nTerms:\nAt\nour\nsole\ndiscretion,\nwe\nmay\noffer\nParagraph\n7.\nThere\nshall\nbe\nno\nseparate,\nadditional\nminimum\nTo\nreceive\nthis\ndisclosure\nand\na\ndescription\nof\nyour\npaycredit\ntransactions\nor\naccounts);\nand\nany\nparticipation\nfee\nof\nsome\nof\nthe\npromotional\nterms\nthat\nwe\nmay\noffer\nin\nour\n7.\nPromotional\nTerms:\nAt\nour\nsole\ndiscretion,\nwe\nmay\noffer\n4. How\nto Avoid\nPaying Interest\non Purchases:\nYourpaydue\nyou promotional\ntermsfor\nfor a new\npurchase or\nfor an existing\npayment\ncomponent\nnon-regular,\nnon-promotional\nTo\nreceive\nthis than\ndisclosure\nand\na description\noffor\nyour\nment\nobligation\nunder\nthisafter\nagreement\norally,\nplease\ncall\ncharged\n(other\ncertain\nparticipation\nfees\na billing\ncredit\nsole\ndiscretion\nfrom\ntime\nto\nyou\npromotional\nterms\nforwill\natime.\nnew\npurchase\nfor\nan existing\ndate\nisobligation\nat\nleast under\n25 days\nthe close\nof each\nbalance.\nAny promotion\nbe\nsubject\nto or\nthe\nterms\nof the\nbalance\nunless\nwe\nprovide\nyou\nnotice\nof\nsuch\na\nrequirement.\nment\nthis\nagreement\norally,\nplease\ncall\n1-866-875-5929.\ncard\nbalance.\nAnyIfoffer\npromotion\nwill\nbe subject\ntosingle\nthe\nof the\ncycle.account).\nWe will not charge you Interest in any billing cycle\npromotional\nand\nthis\nAgreement.\nBelow\nis aterms\ndescription\nNo\nInterest\nPaid\nin\nFull\nPlans.\nIf\nany\npurchase\nis\n1-866-875-5929.\n7.\nTerms:\nAt Agreement.\nourterms\nsole that\ndiscretion,\nmayinoffer\npromotional\noffer\nand this\nBelow\nis we\na offer\ndescription\n4. receive\nHow topayments\nAvoid\nPaying\nInterest\non\nPurchases:\nof Promotional\nsome ofas\nthe\npromotional\nwe ifmay\nour\nin\nwhich\nreceived\nif required\nby Your\nlaw,\nTo\nthis\ndisclosure\nand\na(and\ndescription\nof your\npaydesignated\npurchased\nunder\na no\ninterest\npaid\nin full\nplan,\nyou\npromotional\nterms\nfor\na\nnew\npurchase\nor\nfor\nan\nexisting\n4.\nto\nAvoid\nPaying\nPurchases:\nYour\nof\nsome\nof the from\npromotional\nterms that we may offer in our\ndueHow\ndate\nis at\nleast\n25 due\ndays\nafterequal\ntheon\nclose\nof each\nsole\ndiscretion\ntime to\ncredits\nissued)\nby\nthe\ndate\nororally,\nexceed\nthebilling\nNew\nment\nobligation\nunder\nthis Interest\nagreement\nplease\ncall\nyou\nwill\npay\nno\nInterest\nontime.\nthat\nbalancetoifthe\ntheterms\npromotional\nbalance.\nAny\npromotion\nbe subject\nof the\ndue\ndate\niswill\nat least\n25 days\nafter\ntheplan\nclose\nof billing\neach shown\nbilling\nsole discretion\nfrom time will\nto time.\ncycle.\nWeincluding\nnot charge\nyou\nInterest\nin balances,\nany\ncycle\nBalance,\nany\npromotional\n1-866-875-5929.\npurchase\nis\npaid\nin\nfull\nin\nthe\ndesignated\ntime\nNo\nInterest\nIf\nPaid\nin\nFull\nPlans.\nIf Below\nany promotional\nsingle\npurchase\npromotional\noffer\nand\nthis\nAgreement.\nis\na\ndescription\ncycle.\nWe\nwill\nnot\ncharge\nyou\nInterest\nin\nany\nbilling\ncycle\nin\nwhich\npayments\nreceived\n(and\nif\nrequired\nby\nlaw,\ncredits\non your billing statement.\nNo\nInterest\nIf\nPaid\nin\nFull\nPlans.\nIf\nany\nsingle\npurchase\nperiod\n(which\nmay\nbe\n6\nmonths,\n12\nmonths,\nor\nanother\nperiod\nis\ndesignated\nas\npurchased\nunder\na\nno\ninterest\nif\npaid\nin\n4.\nHow by\nto the\nAvoid\nPaying\nInterest\non Purchases:\nYour\nof some of the promotional terms that we may offer in\nour\nin\nwhich\npayments\n(and\nrequired\nlaw,Balance,\ncredits\nissued)\ndue received\ndate equal\nor ifexceed\ntheby\nNew\nis\ndesignated\nas\npurchased\nunder\naonnothat\ninterest\nif balance\npaid\nin\nfull\nplan,\nyou\nwill\npay\nno\nInterest\nbalance\nif\nthe\nspecified\nin\nthe\npromotion).\nIf\nthe\npromotional\npurchase\ndue\ndate\nis\nat\nleast\n25\ndays\nafter\nthe\nclose\nof\neach\nbilling\n5.\nCalculation\nof\nInterest:\nIn\nall\nstates\nexcept\nMN\nand\nNM,\nsole\ndiscretion\nfrom\ntime\nto\ntime.\nissued)\nbyany\nthe promotional\ndue date equal\nor balances,\nexceed theshown\nNew Balance,\nincluding\nplan\non your\nfull\nplan,\nwillbypay\nInterest\non\nthat\nbalance\nif the\npromotional\nisend\npaid\nin full\nin the\ndesignated\nis\nnot\npaidyou\nin purchase\nfull\ntheno\nof the\ndesignated\npromotional\ncycle.\nWe\nwill\nnot charge\nyou\nInterest\nin any\nbilling\ncycle\nwe\ncalculate\nInterest\nCharges\nusing\nthe average\ndaily\nbalance\nincluding\nany\npromotional\nplan\nbalances,\nshown\non\nyour\nbilling\nstatement.\nNo\nInterest\nIfpurchase\nPaid\nin receive\nFull\nPlans.\nIffullanyin\nsingle\npurchase\npromotional\nis (which\npaid\nin may\nthe\ndesignated\ntime\nperiod\nbe\n6 months,\n12\nperiod,\nor if we\ndo not\na required\nminimum\npayment\nin\nwhich\npaymentscurrent\nreceived\n(and if required\nby and\nlaw, NM,\ncredits\nbilling\nstatement.\nmethod\n(including\ntransactions).\nIn\nMN\nwe\nis\ndesignated\nas\npurchased\nunder\na will\nno\ninterest\nif paid\ninIf\n5. Calculation of Interest: In all states except MN and NM,\nmonths,\nor\nanother\nperiod\nspecified\nin be\nthe\npromotional\ntime\nperiod\n(which\nmay\n6promotion).\nmonths,\n12\nwithin\n60\ndays\nof\nits\ndue\ndate,\nInterest\nbe\ncharged\nto\nyour\nissued)\nby\nthe\ndue\ndate\nequal\nor\nexceed\nthe\nNew\nBalance,\ncalculate\nInterest\nCharges\nusing\nthe\nbalance\nweCalculation\ncalculate\nInterest\nCharges\nusing\ntheaverage\naverage\ndailyand\nbalance\n5.\nof Interest:\nIn\nall states\nexcept daily\nMN\nNM,\nthe promotional\npurchase\nisonnot\npaid\nin full\nby\nthe\nfull\nplan,atoryou\nwill\npay\nno balance\nInterest\nthat\nbalance\nif the\nmonths,\nanother\nperiod\nspecified\nin\nthe\npromotion).\nIf\naccount\nthe\nRegular\nAPR\nfrom\nthe\npromotional\npurchase\nincluding\nany\npromotional\nplan\nbalances,\nshown\non\nyour\nmethod\n(excluding\ncurrent\ntransactions).\nWe\nmethod\n(including\ntransactions).\nIn MN\nandcalculate\nNM,\nwe\nendpromotional\nofSee\ntheParagraph\ndesignated\npromotional\nperiod,\nor in\nifdesignated\nwe do\nnot\nwe\ncalculate\nInterestcurrent\nCharges\nusing\nthe average\ndaily\nbalance\nthe\npurchase\nbalance\nisfull\nnotthe\nfull\nby\nthe\npromotional\npurchase\nisdetails.\npaid in\ninpaid\nthe\ndate.\n3 for\nUnless\npromotion\nstates\nbilling\nstatement.\nInterest\nseparately\nfor\neach\nbalance\non\nyour\nAccount\nsubject\ncalculate(including\nInterest Charges\nusing the average\nbalance\nreceive\na required\nminimum\npayment\nwithin\ndays\nits\nmethod\ncurrent transactions).\nIn MNdaily\nand NM,\nwe\nend\nof\nthe\npromotional\nperiod,\nif\nwe doofnot\npromotional\ntime\nperiod\n(which\nmay\nbe or\n660\nmonths,\n12\nthat\nthere\nisdesignated\nno\nseparate\npromotional\nminimum\npayment,\nthe\nto\ndifferent\nterms\nAPR\nand\nWe figure\nthe\nmethod\n(excluding\ncurrent\ntransactions).\ncalculate\ndue date,\nInterest\nwill\nbe charged\ntoin\nyour\nthe\ncalculate\nInterest\nCharges\nusing\ntheduration).\naverage\ndaily\nbalance\nreceive\naminimum\nrequired\npayment\nwithin\n60balance\ndays at\nof will\nits\n5.\nCalculation\nof (including\nInterest:\nIn\nall\nstates\nexcept We\nMN\nand\nNM,\nmonths,\nor\nanotherminimum\nperiod\nspecified\nthe account\npromotion).\nIf\nrequired\npayment\nfor\nthe\npromotional\nInterest\nCharges\nbyfor\napplying\nthe\napplicable\nperiodic\nseparately\neach balance\non average\nyourmonthly\nAccount\nsubject\nRegular\nAPR\nfrom\nthepromotional\npromotional\ndate.\nUnless\nmethod\n(excluding\ncurrent\ntransactions).\nWe\ndue\ndate,\nInterest\nwill\nbe\nchargedpurchase\nyour\naccount\natdown\nwe\ncalculate\nInterest\nCharges\nusing\nthe\ndailycalculate\nbalance\nthe\npromotional\npurchase\nbalance\nistopurchase\nnot\npaid\nin\nfull\nby\nthe\nbe\nthe\namount\nof\nthe\n(less\nany\nrate\nto the\n\xe2\x80\x9caverage\ndaily\nbalance\xe2\x80\x9d\nforon\nthat\nget the\nto different\nterms (including\nAPR and\nduration).\nWe\nfigure\nthe promotion\nstates\nthat\nthere is noperiod,\nseparate\nInterest\nseparately\nfor\neach\nbalance\nyour\nAccount\nsubject\nRegular\nAPR\nfrom\npromotional\npurchase\ndate.\nmethod\n(including\ncurrent\ntransactions).\nInbalance.\nMN\nandTo\nNM,\nwe\nend\nof the\ndesignated\norrounded\nifpromotional\nwe Unless\ndoupnot\npayment)\ndivided\nbythe\nthepromotional\npromotional\nperiod,payment\nto\nInterest\nCharges\nby\napplying\nthe and\napplicable\nmonthly\nperiodic\naverage\ndaily\nbalance\nfor ausing\nbalance,\nwe\ntake\nthe\nminimum\npayment,\nthe\nrequired\nminimum\nto\ndifferent\nterms\n(including\nAPR\nWe beginning\nfigure\nthe\nthe\npromotion\nstates\nthat\nthere\nis\nno separate\ncalculate\nInterest\nCharges\ntheduration).\naverage\ndaily\nbalance\nreceive\na required\nminimum\npayment\nwithin\n60promotional\ndaysfor\nof the\nits\nthe\nnearest\n$5.00\nincrement.\nFor\nexample,\nif\nthe\npromotion\nis\nrate\nto\nthe\n\xe2\x80\x9caverage\ndaily\nbalance\xe2\x80\x9d\nfor\nthat\nbalance.\nTo\nget\nthe\npromotional\nbalance\nwill\nbe\nthe\namount\nof\nthe\npromotional\nbalance\neach\nday,\nadd\nany\nnew\ntransactions\n(except\nwe\ndo\nInterest\nCharges\nby\napplying\nthe\napplicable\nmonthly\nperiodic\nminimum\npayment,\nthe\nrequired\nminimum\npayment\nfor\nthe\nmethod (excluding current transactions). We calculate\ndue\ndate,\nInterest\nwill be charged\nyour account\nat\nfor\n12\nmonths,\nthe by\nrequired\nminimumtopayment\nisrounded\ndetermined\naverage\ndaily\nbalance\nfor\na\nbalance,\nwe\ntake\nthe\nbeginning\npurchase\ndivided\nthe\npromotional\nperiod,\nup\nnot add\nin\xe2\x80\x9caverage\nany new\ntransactions\ninonMN\nand\nNM);Tosubtract\nrate\nto the\ndaily\nbalance\xe2\x80\x9d\nthat\nbalance.\nget the\npromotional\nbalance\nbepurchase\nthe amount\nof the\npromotional\nInterest\nseparately\nfor\neach\nbalancefor\nyour\nAccount\nsubject\nRegular\nAPR1/12th\nfrom the\npromotional\npurchase\ndate.\nas\nfollows:\nofwill\nthe\nprice\nanyUnless\ndown\nbalance\neach\nday,\naddfor\nanyand\nnew\ntransactions\nweany\ndo\nto the\nnearest\n$5.00\nif(less\nthe\npromotion\naverage\ndaily\nbalance\na APR\nbalance,\nwe Payment\ntake (except\nthe\nany\npayments\nor(including\ncredits\nany\nLate\nFees,\npurchase\ndivided\nby increment.\nthe promotional\nperiod,\nrounded\nup\nto\ndifferent\nterms\nand\nduration).\nWe beginning\nfigure\nthe\nthe\npromotion\nstates\nthat\nthere\nisHowever,\nno separate\npromotional\npayment)\nand\nrounded\nup\nto\nthe\nnearest\n$5.00.\nHowever,\nif the\nthe\nnot\nadd\nin\nany\nnew\ntransactions\nin\nMN\nand\nNM);\nsubtract\nspecifies\na\nminimum\npurchase\namount,\nin\nno\ncase\nwill\nbalance\neach\nday,\nadd\nany\nnew\ntransactions\n(except\nwe\ndo\nto\nthe\nnearest\n$5.00\nincrement.\nHowever,\nif\nthe\npromotion\nReturned\nPayment\nFees,\nand/or\nunpaid\nInterest\nCharges;\nInterest Charges by applying the applicable monthly periodic\nminimum\npayment,\nthe\nrequiredpurchase\nminimum\npayment\nforcase\nthe\npromotion\nspecifies\na\nminimum\namount,\nin\nno\nany add\npayments\ncredits\nandThis\nanyfor\nLate\nPayment\nFees,\nminimuma payment\nbe\nless\nthan\nthe minimum\npurchase\nnot\nany or\nnew\ntransactions\nin\nMN\nand\nsubtract\nspecifies\nminimum\npurchase\namount,\nin the\nno case\nwill the\nand\nmake\nadjustments.\ngives\ntheNM);\ndailyTo\nbalance.\nrate\nto\ntheinother\n\xe2\x80\x9caverage\ndaily\nbalance\xe2\x80\x9d\nthatus\nbalance.\nget any\nthe\npromotional\nbalance\nwill\nbe\nthe\namount\nof\npromotional\nwill\nthe minimum\npayment\nbe\nless\nminimum\npurchase\nReturned\nPayment\nFees,\nand/or\nInterest\nCharges;\namount\ndivided\nby be\ntheless\npromotional\nperiod,\nwhich\nmay\nany\npayments\norallcredits\nand\nany unpaid\nLate\nFees,\nany\nminimum\npayment\nthanthan\nthethe\nminimum\npurchase\nThen,\nwedaily\nadd\nup\nthe\ndaily\nbalances\nfor Payment\nthe\nbilling\ncycle\nand\naverage\nbalance\nfor\na\nbalance,\nwe\ntake\nthe\nbeginning\npurchase\ndivided\nby\nthe\npromotional\nperiod,\nrounded\nup\namount\nbyby\nthethe\npromotional\nperiod,\nwhich\nmay\nshorten\nand make other\nadjustments.\nThis gives\nusInterest\nthe dailyCharges;\nbalance.\nshorten divided\nyour\nrepayment\nperiod in\ncertain\ninstances.\nThe\nReturned\nPayment\nFees,\nand/or\nunpaid\namount\ndivided\npromotional\nperiod,\nwhich\nmay\ndivide\nthe\ntotal\nby\nthe\nnumber\nof\ndays\nin\nthe\nbilling\ncycle.\nThis\nbalance\neach\nday,\nadd\nany\nnew\ntransactions\n(except\nwe\ndo\nto\nthe\nnearest\n$5.00\nincrement.\nHowever,\nif\nthe\npromotion\nS\na\ne\nMax\nmum\nLa\ne\nPaymen\nFee\nyour\nrepayment\nperiod\nin\ncertain\ninstances.\nThe\nminimum\nThen,\nwe add\nupadjustments.\nall the daily balances\nforus\nthethe\nbilling\ncycle\nand\nminimumyour\npayment\nwill never\nbe in\nmore\nthaninstances.\nthe remaining\nand\nmake\nother\nThis in\ngives\ndaily\nbalance.\nshorten\nrepayment\nperiod\ncertain\nThe\ngives\nus\nthe\naverage\ndaily\nbalance.\nAny\ndaily\nbalance\nnot\nadd\nany\nnew\ntransactions\nMN\nand Maximum\nNM);\nsubtract\nspecifies\na minimum\npurchase\namount,\nin no case\nwill that\nthe\ndivide\nthein\ntotal\nofLA\ndays\ninnegative\nthe\nThis\npayment\nnever be\nmore\nthan\npromotional\npurchase\nbalance.\nthe remaining\npromotion\nstates\nAK\nARnumber\nCT Hbalances\nMDfor\nM\n$37 cycle.\n00\nexcep\n$29\n00\nhe\nState\nLate\nPayment\nFeewill\nThen,\nwe\nadd\nupby\nallthe\nthe\ndaily\nthebilling\nbilling\ncycle\nand\nminimum\npayment\nwill\nnever\nbeIf the\nmore\nthan thepromotional\nremaining\nany\npayments\nor\ncredits\nand\nany\nLate\nPayment\nFees,\nany\nwill\nbe\ntreated\nas\nzero.\nIf\nInterest\nCharges\nare\nimposed\nand\nminimum\npayment\nbe\nless\nthan\nthe\nminimum\npurchase\ngives\nus\nthe\naverage\ndaily\nbalance.\nAny\nnegative\ndaily\nbalance\nthere\nis\nno\nseparate\npromotional\nminimum\npayment,\nthen\npurchase\nbalance.\nIf\nthe\npromotion\nstates\nthat\nthere\nis\nno\nMN\nMS\nNV\nNH\nNY\nND\nou\ns\nand\nng\nba\nance\ns\n$249\n99\ndivide\ntheInterest\ntotal\nby\nnumber\ndays\nin MI,\ntheInterest\nbilling\ncycle.\nThis $29.00\npromotional\npurchasethe\nbalance.\nIf the promotion\nstates may\nthat\nAK,the\nAR,\nCT,and/or\nHI,of\nLA,\nMD,\n$37.00\n(except\nif the divided\nReturned\nPayment\nFees,\nunpaid\nCharges;\namount\npromotional\nperiod,\nthe\nthat\nresults\nfrom\napplication\nofess\nthe\nabove\nwill total\nbeustreated\nas\nIfPA\nInterest\nCharges\nareo imposed\nand\nthe amount\nof thebypromotional\nbalance\nwill\nbe which\nincluded\nin\nseparate\npromotional\nminimum\npayment,\nthen\nthe\namount\nOHzero.\nOR\nSD\nW\ngives\nthe\naverage\ndaily\nbalance.\nAny\nnegative\ndaily\nbalance\nthere\nis\nno\nseparate\npromotional\nminimum\npayment,\nthen\nMN,\nMS,\nNV,\nNH,\nNY,\nND,\noutstanding\nbalance\nis\n$249.99\nand\nmakeInterest\nother\nadjustments.\ngives\nus thewe\ndaily\nbalance.\nshorten\nyour balance\nrepayment\nperiod\nin included\ncertain\ninstances.\nThe\ncalculation\nto each\nbalance\nis This\nless\n$1.00,\nimpose\nthe total\nthat\nresults\nfromthan\napplication\nofwill\nthe\nabove\nyour\nregular\nfor\nthe\npurpose\nof\ncalculating\nyour\nof\nthe\npromotional\nbalance\nwill\nbe\nin\nyour\nregular\nwill\nbe\ntreated\nas\nzero.\nIf\nInterest\nCharges\nare\nimposed\nand\nthe\namount\nof\nthe\npromotional\nbalance\nwill\nbe\nincluded\nin\n5%\namoun\ndue\nbuFee\nno payment will never be more than the remaining\nState\nMaximum\nLate\nPayment\nOH,\nOR,\nPA,isbalances\nSD,\nWIthanfor\nor\nThen,\nwe add\nup\nall balance\nthe\ndaily\nthe billing\nandpas\nminimum\nacalculation\nminimum\nCharge\nof\n$1.00\n(which\nis less)\naocycle\nFINANCE\ntoInterest\neach\nless\n$1.00,\nwe\nimpose\nminimum\nbalance\nforpayment.\nthebalance\npurposefor\nof calculating\nyourofminimum\npayment.\nthe\ntotal\nthat\nresults\nfrom\napplication\nofwill\nthe\nabove\nyour\nregular\nthe purpose\ncalculating\nyour\nALthe\nmo\necycle.\nhan\n$37\n00\nand\nno\ness\ndivide\ntheInterest\ntotal\nby\nnumber\nof\ndays\ninand\ntheTX,\nbilling\npromotional\nAK,\nCT,\nHI,of\nLA,\nMD,\nMI,\n$37.00\n(except\n$29.00\nifbut\nthe\n5%\nof\namount\ndue\nnot purchase balance. If the promotion states that\nCHARGE);\nexcept\ninAR,\nMI,\nMO,\nNY,\nTN,\nwhere\nweThis\nwillpast\na\nminimum\nInterest\nCharge\n$1.00\n(which\nis\na\nFINANCE\ncalculation\nto\neach\nbalance\nis\nless\nthan\n$1.00,\nwe\nwill\nimpose\nminimum\npayment.\nReduced\nRate\nPlans.\nIf\nany\nsingle\npurchase\nis\ndesignated\nas\nhan\n$18\n00\nReduced\nRate\nPlans. promotional\nIf any single purchase\ndesignated\nas\ngives\nus the\naverage\ndaily\nbalance.\nAnyND,\nnegative\ndaily\nbalance\nthere\nis no\nseparate\nminimumispayment,\nthen\nMN,\nMS,\nNV,\nNH,\nNY,\noutstanding\nbalance\nis not\n$249.99\nimpose\na\nminimum\nInterest\nCharge\nof\n$0.70\n(which\nis\na\nCHARGE);\nexcept\nin\nMI,\nMO,\nNY,\nTN,\nand\nTX,\nwhere\nwe\nwill\nAL\nmore\nthan\n$37.00\nand\nless\na minimum\nInterest\nCharge\nof $1.00\n(which\nisimposed\na00\nFINANCE\npurchased\nunder\na promotional\nreduced\nratebalance\nplan,\nwe\nwill\ncalculate\nthe\n$10\nexcep\n$5\n00\nhe\npurchased\nunder\na\nreduced\nrate\nplan,\nwe\nwill\ncalculate\nthe\nwill\nbe treated\nas\nzero.\nIfPA,\nInterest\nCharges\nareor\nand\nthe\namount\nof\nthe\nwill\nbe\nincluded\nin\nReduced\nRate\nPlans.\nIf\nany\nsingle\npurchase\nis\ndesignated\nas\nimpose\na CHARGE);\nminimum\nInterest\nCharge\nof\n$0.70\n(which\nis\na\nFINANCE\nand\nin\nAL,\nAZ,\nCO,\nIN,\nME,\nMA,\nMN,\nMS,\nOH,\nOR,\nSD,\nWI\nless)\n$18.00\nCHARGE);\nexcept\ninKS\nMI,\nMO, NY,\nTN,\nand TX, than\nwhere\nwe\nwill\nInterest\nfor the\nthe\npromotional\nbalance\nbyofusing\nusing\nan APR\nAPRyour\nthat\nInterest\npromotional\nbalance\nby\nan\nthat\nAZ\nm\nmum\npaymen\nsyour\n$5\n00regular\nofor\nthe\ntotal\nInterest\nthat\nresults\nfrom\napplication\nofnwill\nthe\nabove\nbalance\nfor\nthe\npurpose\ncalculating\npurchased\nunder\na\nreduced\nrate\nplan,\nwe\nwill\ncalculate\nthe\nFINANCE\nCHARGE);\nand\nin\nAL,and\nAZ,WY,\nCO,\nIN, ME,we\nMA,\nMN,\nMS,\nMT,\nNJ,\nOK,\nSC,\nSD,\nVT,\nWV,\nwhere\nimpose\n$10.00\n(except\n$5.00\nif\nthe\n5%(which\nof amount\nbut not\nis less\nless\nthan your\nyour Regular\nRegular APR\nAPR (the\n(the \xe2\x80\x9cPromotional APR\xe2\x80\x9d),\nAPR\xe2\x80\x9d), in\nin\nimpose a minimum\nInterest\nCharge\nof $0.70\nis apast due\nis\nthan\n$25\ncalculation\neach\nbalance\nis of\nless\nthan\nwill\nimpose\nNJ, OK,toInterest\nSC,\nSD,\nVT, WV,\nand\nWY, $1.00,\nwhere\nwe\nimpose\nInterest\nforpayment.\nthe promotional\nbalance\xe2\x80\x9cPromotional\nby using an APR that\naMT,\nminimum\nCharge\n$0.50\n(which\nisMA,\na00\nFINANCE\nAZ,\nKS\nminimum\nisminimum\n$5.00\ntothe\nlieu\nofless\nRegular APR during the specified promotional\nCHARGE);\nand\nin AL,\nAZ,\nCO, (which\nIN, ME,more\nMN,payment\nMS, and\nAL\nthan\n$37.00\nnot\nlieu\nof\nthe\nRegular\nAPR\nduring\nthe\nspecified\npromotional\naCHARGE).\nminimum\nInterest\nCharge\nof\n$0.50\n(which\nis\na\nFINANCE\naFINANCE\nminimum\nInterest\nCharge\nof\n$1.00\nis\na\nFINANCE\nis\nless\nthan\nyour\nRegular\nAPR\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\nin\nCA\nCO\nDC\nA\n$15\n00\nis noWY,\nminimum\nCharge\n$25.00)\nperiod (which\nmay beIf 6any\nmonths,\nmonths,\nsome other\nReduced\nRate Plans.\nsingle 12\npurchase\nis or\ndesignated\nas\nMT,\nNJ, OK,Furthermore,\nSC, SD, VT,there\nWV, and\nwhere Interest\nwe\nwill\nimpose\nthan\n$18.00\nCHARGE).\nFurthermore,\nthere\nis noTN,\nminimum\nInterest\nCharge\nperiod\nmay\nbe\n6 The\nmonths,\n12\nor\nsome\nother\nCHARGE);\ninNM\nMI,\nMO,\nNY,\nand\nwhere\nwe\nwill\nlieu\nof (which\nthe Regular\nAPR\nduring\nthemonths,\nspecified\npromotional\nDE\nTN\nVT\nNone\nAR, DC,except\nIA,\nMD,\nNE,\nNM,IA\nand\nRI.TX,\nYou\nus\nperiod\nspecified\nby\nus).\nPromotional\nAPR\nwill\nreturn\nto\nain\nminimum\nInterest\nCharge\nofNC,\n$0.50\n(which\nisauthorize\na FINANCE\npurchased\nunder\na\nreduced\nrate\nplan,\nwe\nwill\ncalculate\nthe\nCA,\nCO,\nDC,\n$15.00\n$10.00\n(except\n$5.00\nif\nthe\nin\nAR,\nDC,\nIA,\nMD,\nNE,\nNM,\nNC,\nand\nRI.\nYou\nauthorize\nus\nperiod\n(which\nmay\n6 months,\n12ofmonths,\nsome\nother\nspecified\nbyatbe\nus).\nThe Promotional\nAPRorwill\nreturn\nto\nimpose\nminimum\nInterest\nCharge\nof $0.70\n(which\nis a\nto roundaany\ncalculation\nused\ntono\ndetermine\nInterest\nFL MT\nNJ\nTX\n$10\n00Charges,\nyour Regular\nAPR\nthe\nexpiration\nthe\npromotional\nperiod\nCHARGE).\nFurthermore,\nthere\nis\nminimum\nInterest\nCharge\nInterest\nfor\nthe\npromotional\nbalance\nby\nusing\nan\nAPR\nthat\nDE,\nNM,\nTN,\nVT\nNone\nto round any\ncalculation\nused\nto\ndetermine\nInterest\nCharges,\nAZ, KS\nminimum\npayment\nisperiod\n$5.00\nto\nspecified\nbyatus).\nPromotional\nAPR\nwill return\nto\nFINANCE\nCHARGE);\nand\nin\nAL,cause\nAZ,\nCO,\nIN,\nMA,\nMN,\nMS,\nyour\nRegular\nAPR\ntheaThe\nexpiration\nof the promotional\nperiod\nincluding\nrounding\nthat\nmay\nminor\nvariations\nour\nor\nif we\ndo not\nreceive\nrequired\npayment\nwithin\nin\nAR, DC,\nIA, FL,\nMD,MT,\nNE,NJ,\nNM,\nNC,\nand\nRI. ME,\nYou\nauthorize\nus\nGA\n$25\n00 in\nis\nless\nthan\nyour\nRegular\nAPR (theminimum\nAPR\xe2\x80\x9d),\nin\nincluding\nrounding\nmay\ncause\nvariations\nin our\nTXand\n$10.00\nyour\nRegular\nAPR\natdate.\ntheaexpiration\nof\xe2\x80\x9cPromotional\nthe3promotional\nperiod\n$25.00)\nMT,\nNJ,The\nOK,\nSC,\nSD,that\nVT,\nWV,\nWY,minor\nwhere\nwe\nwill\nimpose\nor\nifdays\nwe\ndo\nnot\nreceive\nrequired\nminimum\npayment\nwithin\n60\nof\nits\ndue\nSee\nParagraph\nfor\ndetails.\nUnless\nfavor.\napplicable\nmonthly\nperiodic\nrate\nfor\na\nbalance\nis\nto\nround\nany\ncalculation\nused\nto\ndetermine\nInterest\nCharges,\nlieu\nof\nthe\nRegular\nAPR\nduring\nthe\nspecified\npromotional\nG\nea\ne\no\n5%\no\namoun\npas\nfavor.\nThe\napplicable\nmonthly\nperiodic\nrate\nfor\na\nbalance\nis\nor\nif\nwe\ndo\nnot\nreceive\na\nrequired\nminimum\npayment\nwithin\naincluding\nminimum\nInterest\nCharge\n$0.50\n(which\nis a FINANCE\n60\nof its may\ndue\ndate.\nSee\nParagraph\n3 for details.\nUnless\nGA CO,\n$25.00\nCA,\nDC,\n$15.00\ntheodays\npromotion\nstates\nthere\nis12no\nseparate\nthe\nAnnual\nPercentage\nRate\ndivided\nby\nrounding\nmayIAofcause\nminor\nvariations\nin(12),\nour bu no\nperiod\n(which\nbe that\n6 months,\nmonths,\nor promotional\nsomeUnless\nother\nD that\nduetwelve\no $15\n00\nthe applicable\napplicable\nAnnual\nPercentage\nRate\ndivided\nby\ntwelve\n(12),\n60\ndays\nof payment,\nits due\ndate.\nSee\nParagraph\n3 for details.\nCHARGE).\nFurthermore,\nthere\nisperiodic\nno\nminimum\nInterest\nCharge\nthe\npromotion\nstates\nthat\nthere\nis no\nseparate\npromotional\nminimum\nthe\nrequired\nminimum\npayment\nfor\nGreater\nof\n5%\nof\namount\npast\nDE,\nNM,\nTN,\nVT\nNone\nfavor.\nThe\napplicable\nmonthly\nrate\nfor\na\nbalance\nis\nand\nrounded\nto\nthe\nfourth\ndecimal\nplace.\nperiod\nspecified\nby\nus).\nThe\nPromotional\nAPR\nwill\nreturn\nto\nandAR,\nrounded\nto MD,\nthe fourth\ndecimal\nplace.\nexceed\n$37 00\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\nin\nDC,\nIA,\nNE,\nNM,\nNC,\nand\nRI.\nYou\nauthorize\nus\nminimum\npayment,\nthe\nrequired\nminimum\npayment\nfor\ntheto promotional\nbalance\nwill be of\nthethepromotional\nbalance\nID MT,\nduetwelve\nor $15.00\nthe applicable Annual\nPercentage\n(12),(but not\nFL,\nNJ, TX Rate divided by\n$10.00\nyour\nRegular\nAPR\nat\nthe\nexpiration\npromotional\nperiod\nminimum\npayment,\nthe\nrequired\nminimum\npayment\nfor\n6.\nMinimum\nPayment:\nYou\nagree\nto\npay\nat\nleast\nthe\nG\nea\ne\no\n5%\no\namoun\npas\nto\nany to\ncalculation\ndetermine\nInterest\nCharges,\nthe\npromotional\nbalance\nwill be in\nthe\nbalance\n6. round\nMinimum\nPayment:\nYoutoagree\nat least\nthe\ndivided\nof\nmonths\nthepromotional\npromotional\nperiod,\nand\nrounded\nthe fourthused\ndecimal\nplace.to pay\nexceed\n$37.00)\nor\nif promotional\nwe by\ndo the\nnotnumber\nreceive\na required\nminimum\npaymentbalance\nwithin\nGA\n$25.00\nthe\nbalance\nwill\nbe\n\xe2\x80\x9cMinimumrounding\nPayment\xe2\x80\x9d\nshown\nyourminor\nbillingvariations\nstatement\nL KY\nWY\ndue o $10\n00or bu no\no\nincluding\nthat\nmay on\ncause\ninonour\ndivided\nby\nthe\nnumber\nofSee\nmonths\nthepromotional\npromotional\nperiod,\nmultiplied\nby\nadue\nfactor\nbased\non\ntheinthe\napplicable\nReduced\nAPR,\n60\ndays\nof\nits\ndate.\nParagraph\n3\nfor\ndetails.\nUnless\nGreater\nof\n5%\nof\namount\npast\n6.\nMinimum\nPayment:\nYou Minimum\nagree torate\npay\nat\nleast\nthe\ndivided\nby by\ntheaup\nnumber\nofnearest\nmonths\ninapplicable\ntheincrement\npromotional\nperiod,\nGreater\nof 5%\npast\nbefore\nits due\ndate.\nYour\ntotal\nPayment\nthe\nsum\nfavor.\nThe\napplicable\nmonthly\nperiodic\nfor\na is\nbalance\nisof amount\nexceed\n$37\n00\nand\nrounded\nto\nthe\n$5.00\nor\n$30.00,\nmultiplied\nfactor\nbased\non\nthe\nReduced\nAPR,\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\nIL,payment\nKY,Percentage\nWYfor your\nduetwelve\nor $15.00\n$10.00\n(but not\nnot\nto\n\xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d\nshown\non your\nbilling\nstatement\nonany\nor(but\nmultiplied\nby\nfactor based\non the applicable\nReducedhas\nAPR,\nID\ndue\nor\nto\nthe\napplicable\nAnnual\nRate\ndivided\nby\nof any\nminimum\nregular\nbalance\nwhichever\nis agreater.\nFor example,\nif the promotion\nan\nN\n$18and\n50 for(12),\nminimum\npayment,\nthe\nrequired\nminimum\npayment\nfor\nexceed\n$37.00)\nbefore\nits duebalance.\nYour\nMinimum\nPayment\nis the\nsum\nand\nrounded\nup10.99%\nto the\nnearest\n$5.00\nincrement\nor $30.00,\npromotional\nThetotal\nminimum\npayment\nfor\nyour\nregular\ninterest\nrate\nof\nand\nthe\nplan\nis\nfor\n24\nmonths,\nthe\nand\nrounded\ntodate.\nthe fourth\ndecimal\nplace.\nexceed\n$37.00)\nLesse\nofor5%\no amoun\npas\nthe\npromotional\nbalance\nwill\nbe\nthe\npromotional\nbalance\nof\nany\nminimum\npayment\nfor\nyour\nregular\nbalance\nand\nany\nwhichever\nis greater.\nFor example,\nif the promotion\nan\nbalance will beIN\nthe greater of 5% of the regular\nrequired\nminimum\npayment\nis determined\nas follows: has\n1/24th\nME\n$18.50purchase\nGreater\nof 5%\npastby\ndue\noleast\n$10\n00\n6.\nMinimumbalance.\nPayment:\nYou agree\nto payfor\natyour\ntheof amount\ndivided\nmonths\nin the\nperiod,\npromotional\nThe minimum\npayment\nregular\ninterest\nratetheofnumber\n10.99%ofand\nthe plan\nis promotional\nfor 24 months,\nthe\nLesser\nof\n5%\nof\namount\npast\nIL,\nKY,\nWY\ndue\nor\n$10.00\n(but\nnot\nto\n\xe2\x80\x9cMinimum\nshown of\non 5%\nyourofbilling\nstatement\nor o oumultiplied\nby a factor\nbased on\nthe applicable\nReduced1/24th\nAPR,\nLessepurchase\no on\n10%\ns and ng minimum\nbalance willPayment\xe2\x80\x9d\nbeME\nthe greater\nthe regular\nrequired\npayment\nis determined\nas follows:\nMA Your total Minimum Payment\ndue\nor the\n$10.00\nexceed\n$37.00)\nbefore its due date.\nis\nba ance\no sum\n$10 00 and rounded up to the nearest $5.00 increment or $30.00,\n\nand rounded up to the nearest $5.00 increment or $30.00,\nwhichever is greater. For example, if the promotion has an\ninterest rate of 10.99% and the plan is for 24 months, the\nrequired minimum payment is determined as follows: 1/24th\nof the purchase price (less any down payment) multiplied\nby 1.1185 and rounded up to the nearest $5.00 (or $30.00,\nwhichever is greater). However, if the promotion specifies\nthe purchase\npriceamount,\n(less any\npayment)\naofminimum\npurchase\nin down\nno case\nwill the multiplied\nminimum\nof\npurchase\nprice (less\npayment)\nmultiplied\nby the\n1.1185\nand\nrounded\nup\ntoany\nthedown\nnearest\n$5.00\n(or\n$30.00,\npayment\nbeand\nlessrounded\nthan theup\nminimum\npurchase\namount\ndivided\nby\n1.1185\nto\nthe\nnearest\n$5.00\n(or\n$30.00,\nwhichever\nis greater).\nThewhich\nminimum\npayment\nwillrepayment\nnever\nbe\nby\nthe promotional\nperiod,\nmay shorten\nyour\nwhichever\nis\ngreater).\nThe\nminimum\npayment\nwill\nnever\nbe\nmore\nthan\nthe instances.\nremaining\npromotional\npurchase\nbalance.\nperiod\nin\ncertain\nThe\nminimum\npayment\nwill\nnever\nof\nthe\npurchase\nprice\n(less\nany\ndown\npayment)\nmultiplied\nmore\nthanif the\nremaining\npromotional\npurchase purchase\nbalance.\nHowever,\ntherounded\npromotion\nspecifies\na minimum\nbe\nmore than\nremaining\npromotional\npurchase\nbalance.\nby\n1.1185\nand\nup tospecifies\nthe nearest\n$5.00 (orpurchase\n$30.00,\nHowever,\nthethe\npromotion\napayment\nminimum\namount,\ninifisno\ncase\nwillThe\ntheminimum\nminimum\nbe\nless\nthan\nIf\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\nwhichever\ngreater).\npayment\nwill\nnever\nbe\namount,\nin\nno\ncase\nwill\nthe\nminimum\npayment\nbe\nless\nthan\nthe minimum\npurchase\namount\ndivided of\nby\nthe promotional\npromotional\nminimum\npayment,\nthen\nthe\namount\nthe\nmore\nthan\nthe\nremaining\npromotional\npurchase\nbalance.\nthe\nminimum\npurchase\namount\ndivided\nby period\nthe promotional\nperiod,\nwhich\nmay\nshorten\nyour\nrepayment\nin\ncertain\nHowever,\nif the\npromotion\nspecifies\na minimum\npurchase\nbalance\nwill\nbe\nincluded\nin\nyour\nregular\nbalancein\nfor\nthe\nperiod,\nwhich\nmay\nshorten\nyour\nrepayment\nperiod\ncertain\ninstances.\nThe\nminimum\npayment\nwill never\nbe\nmore\nthan\nthe\namount,\nin\nno\ncase\nwill\nthe\nminimum\npayment\nbe\nless\nthan\npurpose\nof\ncalculating\nyour\nminimum\npayment.\ninstances.\nThe\nminimum\npayment\nwill\nnever\nbe\nmore\nthan\nthe\nremaining promotional purchase balance.\nthe\nminimum\npurchasepurchase\namount divided\nby the promotional\nremaining\npromotional\nbalance.\nEighteen\n(18)\nPlan.Plan.\nIfyour\nany Ifsingle\nis\ndesignated\nEighteenwhich\n(18)Month\nMonth\nanypurchase\nsingle\npurchase\nis\nperiod,\nmay\nshorten\nrepayment\nperiod\nin certain\nas\npurchased\nunder\nthe\n\xe2\x80\x9cEighteen\nMonth\nPlan\xe2\x80\x9d,\nInterest\nwill\nEighteen\nMonth payment\nPlan.\nany\nsingle\npurchase\nis\ndesignated(18)\nas minimum\npurchased\nunderIfthe\n\xe2\x80\x9cEighteen\nMonth\nPlan\xe2\x80\x9d,\ninstances.\nThe\nwill\nnever\nbe no\nmore\nthan\nthe\nbe\nonpurchased\ntheimposed\npromotional\npurchase\nfor the\nfirst twelve\ndesignated\nas\nunder\nthe\n\xe2\x80\x9cEighteen\nMonth\nPlan\xe2\x80\x9d,\nno imposed\nInterestpromotional\nwill\nbe\non the\npromotional\npurchase\nfor\nremaining\npurchase\nbalance.\n(12)\nmonths\nif (12)\nyou\nmake allifon\nrequired\nminimum\npayments\nby\nno\nwill\nbe imposed\nthemake\npromotional\npurchase\nfor\ntheInterest\nfirst\ntwelve\nmonths\nyou\nall required\nminimum\nEighteen\nMonth\nPlan.\nIf month.\nanynot\nsingle\npurchase\nis\nend twelve\nof(18)\nthethe\n12th\nmonth.\nIfyou\nwe\ndo\nall\nrequired\nthe\nfirst\n(12)\nmonths\nif12th\nmake\nall\nrequired\nminimum\npayments\nby\nend\nof the\nIfreceive\nwe do\nnot\nreceive\ndesignated\nas\npurchased\nunder\nthe\n\xe2\x80\x9cEighteen\nMonth\nPlan\xe2\x80\x9d,\nminimum\npayments\nend by\nof\nthe\n12th\nif we\npayments\nthe\nendby\nof\nthe\n12th\nmonth.\nIf of\nwemonth,\ndo\nnotor\nreceive\nall requiredby\nminimum\npayments\nthe\nend\nthe\n12th\nmonth,\nno\nwill\nimposed\non the\npromotional\npurchase\nfor\ndo\nnot\naberequired\nminimum\npayment\nwithin\n60\ndays\nall\nminimum\npayments\nby\nthe\nend of\nthe\n12th\nmonth,\nor required\nifInterest\nwe receive\ndo not\nreceive\na required\nminimum\npayment\nwithin\n60\nthe\nfirst\ntwelve\n(12)\nif will\nyou\nmake\nall your\nrequired\nminimum\nof\ndue\nInterest\nbe\ncharged\nto\nat the\nor\nifits\nwe\ndo\nnot\na will\nrequired\nminimum\npayment\nwithin\n60\ndays\nof\nitsdate,\nduereceive\ndate,months\nInterest\nbe\ncharged\ntoaccount\nyour\naccount\npayments\nby\nthe\nend\nofpromotional\nthe\nIfpurchase\nwetodate.\ndo\nnot\nreceive\ndays\nits\ndue\ndate,\nInterest\nwill month.\nbe purchase\ncharged\nyour\naccount\nRegular\nAPR\nfrom\nthe\nAfter\nthe\nat theofRegular\nAPR\nfrom\nthe12th\npromotional\ndate.\nAfter\nall\nrequired\nminimum\npayments\nby\nofspecified\nthe 12th\nmonth,\nat\nRegular\nAPR\nfrom\nthewepromotional\npurchase\ndate.\nAfter\nthethe\nfirst\ntwelve\n(12)\nmonths,\nwewill\nwillthe\nuseend\nthe\nspecified\nreduced\nfirst\ntwelve\n(12)\nmonths,\nuse\nthe\nor\niffirst\nwe\ndo\nnot receive\na required\nminimum\npayment\nthe\ntwelve\n(12) months,\nwein\nwill\nuseofthe\nspecified\nreduced\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\nRegularwithin\nto\nAPR\nAPR\xe2\x80\x9d),\nlieu\nthe\nAPR,60\ndays\nof itsInterest\ndue date,\nInterest\nwillin(6)\nbe\ncharged\nto your\naccount\ncalculate\nInterest\nfor the\nthe\nnext six\nsix\n(6)\nmonths.\nPromotional\nAPR\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\nlieu\nof the The\nRegular\nAPR, to\nfor\nnext\nmonths.\nPromotional\nreturn\nRegular\nat the\nexpiration\nthe\nat\nthewill\nRegular\nAPR\nfrom\nthe promotional\npurchase\ndate.ofAfter\ncalculate\nInterest\nthe next\nsix (6)\nmonths.\nThe\nPromotional\nAPR\ntoforyour\nAPR\nsix first\nmonth\nperiod\noryour\nif\ndo\nnot\nreceive\naa required\nminimum\nAPR\nwilltwelve\nreturn\ntoor\nAPR\natthe\nthe\nexpiration\nof the\nthe\n(12)\nmonths,\nuse\nspecified\nreduced\nsix\nmonth\nperiod\nif we\nweRegular\ndowe\nnotwill\nreceive\nrequired\nminimum\npayment\nwithin\n60\ndays\nofdoits\nitsnot\ndue\ndate.\nSee\nParagraph\n3\nsix\nmonth\nperiod60\nordays\nif we\nrequired\nminimum\nAPR\n(the within\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\ninreceive\nlieu\nof athe\nRegular\nAPR,\nto\npayment\nof\ndue\ndate.\nSee\nParagraph\n3 for\nfor\ndetails. The\nrequired\nminimum\npayment\nfor\nthe\npromotional\npayment\nwithin\n60\nof itssixdue\ndate.\nSee\nParagraph\n3 for\ncalculate\nInterest\nfordays\nthe\nnext\n(6)\nmonths.\ndetails.\nThe\nrequired\nminimum\npayment\nforThe\nthe Promotional\npromotional\nbalance\nwill\nbe\nofofRegular\nthe\npurchase\nmultiplied\ndetails.\nrequired\nminimum\npayment\nfor\nthe\npromotional\nAPR\nwillThe\nreturn\nto your\nAPR at price\nthe\nexpiration\nthe\nbalance\nwill\nbe 1/18th\n1/18th\nthepromotional\npurchase\n(less\nany of\ndown\nby\n1.030\nand\nrounded\nup\nto\nthe\nnearest\n$5.00,\nbut\nnot\nless\nbalance\nwill\nbe\n1/18th\nof\nthe\npromotional\npurchase\nmultiplied\nsix\nmonth\nperiod\nor\nif\nwe\ndo\nnot\nreceive\na\nrequired\nminimum\npayment) multiplied by 1.030 and rounded up to the\nnearest\nthan\n$150.00\nor60not\nless\nthan\n$250.00,\nbased\non\nby\n1.030\nand\nupof$150.00\nto\nnearest\n$5.00,\nbutthe\nnotterms\npayment\nwithin\nitsthe\ndue\ndate.\n3less\nfor\n$5.00,\nbut\nnotrounded\nlessdays\nthan\nor\nnotSee\nlessParagraph\nthan\n$250.00,\nof the offer.\nthan\nor notofless\nbased\nthe terms\ndetails.\nThe\nminimum\npayment\nfor theon\npromotional\nbased$150.00\non\ntherequired\nterms\nthethan\noffer.$250.00,\nThe minimum\npayment\nwill\nof\noffer.\nbalance\nbe All\n1/18th\nofthe\ntheremaining\npromotional\npurchase\nmultiplied\n8. the\nPayments:\npayments\nmust be mailed\nor delivered\nto\nnever\nbewillmore\nthan\npromotional\npurchase\nby\n1.030\nand\nrounded\nupon\ntostates\nthefront\nnearest\n$5.00,\nnot less\nus Payments:\nat the address\nshown\nthe\nthe\nbilling\nbalance.\nIf the\nthatof\nthere\nis but\nnostatement\nseparate\n8.\nAllpromotion\npayments\nmust\nbe\nmailed\nor\ndelivered\nto\nthan\n$150.00\nor not\nthan\nbased\non statement\nthe\nterms\nandataccompanied\nbyless\nthepayment,\npayment\nslip.\nYou\nmust\npayof\nusthe\nin\npromotional\nminimum\nthen\nthe\namount\nus\nthe address\nshown\non\nthe$250.00,\nfront\nof the\nbilling\nof\ntheaccompanied\noffer. drawn\nU.S.\ndollars\nonwill\nfunds\non deposit\nin the\nUnited\nStates\nand\nby\nthe\npayment\nslip.\nYou\nmust\npay\nus in\npromotional\nbalance\nbe\nincluded\nin your\nregular\nbalance\nusing\napurpose\ncheck\nor\nsimilar\ninstrument\nthatin will\nbe\nprocessed\nU.S.\ndollars\ndrawn\non funds\non deposit\nthe\nUnited\nStates\nfor\nthe\nof payments\ncalculating\nyour\nminimum\npayment.\n8.\nAll\nmust\nmailed\norpayments.\ndelivered\nto\nandPayments:\nhonored\nby\nyour\nbank.\nDo\nnotbe\nsend\ncash\nWe\nusing\na\ncheck\nor\nsimilar\ninstrument\nthat\nwill\nbe\nprocessed\nus\nat\nthe\naddress\nshown\non\nthe\nfront\nof\nthe\nbilling\nstatement\n8.\nPayments:\nAll\npayments\nmust\nbe\nmailed\nor\ndelivered\nto\ncan accept\nlate\npartial\npayments,\nas well\nas payments.\npayments that\nand\nhonored\nbyoryour\nbank.\nDo not slip.\nsend\ncash\nand\naccompanied\nby\nthe\npayment\nYou\nmust statement\npaywithout\nusWe\nin\nus\nat\nthe\naddress\nshown\non\nthe\nfront\nof\nthe\nbilling\nreflect\n\xe2\x80\x9cpaid\nin\nfull\xe2\x80\x9d\nor\nother\nrestrictive\nendorsements,\ncan accept\nlate\nor partial\npayments,\nas well\nas payments\nthat\nU.S.\ndollars\ndrawn\non funds\non\ndeposit\nthe\nUnited\nStates\nand\naccompanied\nby\npayment\nslipendorsements,\norinotherwise\nmade\nin\nlosing\nany ofin\nour\nrights\nunder\nthis\nAgreement.\nWe\ncredit\nyour\nreflect\nfull\xe2\x80\x9d\nor the\nother\nrestrictive\nwithout\nusing\na\xe2\x80\x9cpaid\ncheck\nor the\nsimilar\ninstrument\nthat\nwill\nbe processed\npayments\nin\naccordance\nwith\nour\npayment\ninstructions\non\nthe\naccordance\nwith\ninstructions\non\nthe\nbilling\nstatement.\nlosing\nany\nof\nour\nrights\nunder\nthis\nAgreement.\nWe\ncredit\nyour\nand\nhonored\nbyusyour\nbank.\nDo not\nsend on\ncash\npayments.\nWe\nbilling\nstatement.\nYou\nmust\npay\nin U.S.\ndollars\ndrawn\nfunds\non deposit\npayments\nin\naccordance\nwith\nour payment\nonthat\nthe\ncan\naccept\nlate\nor partial\npayments,\naselectronic\nwellinstructions\nas payments\nin\nthe\nUnited\nStates\nusing\na\ncheck,\nauthorization\nbilling\nstatement.\n9. Legal\nNotices:\nAllother\nnotices,\nincluding\nnotices relating\nto\nreflect\n\xe2\x80\x9cpaid\nin full\xe2\x80\x9d or\nrestrictive\nendorsements,\nwithout\nor\nsimilar\ninstrument\nthat\nwill\nbe\nprocessed\nand\nhonored\nby\nlegal\nactions,\nbankruptcy\nnotices,\nand anynotices\nnotice\nto usyour\nthat\nlosing\nany\nof\nour\nrights\nunder\nthis\nAgreement.\nWe\ncredit\n9.\nLegal\nNotices:\nAll\nnotices,\nincluding\nrelating\nto\nyour\nbank.\nDo not send\ncash payments.\nWe can\nlate\nyou are\nrepresented\nby counsel\ninpayment\nconnection\nwithaccept\nyour\npayments\nin accordance\nwith\nourpayments\ninstructions\nondebt\nthe\nlegal\nactions,\nbankruptcy\nnotices,\nand anythat\nnotice\nto\nus\nthat\nor\npartial\npayments,\nas\nwell\nas\nreflect\n\xe2\x80\x9cpaid\nin\nto\nus,\nmust\nbe\nsent\nto\nus\nat\nGenesis\nFS\nCard\nServices,\nP.O.\nBox\nbilling\nstatement.\nyou\nare\nrepresented\nby\ncounsel\nin\nconnection\nwith\nyour\ndebt\nfull\xe2\x80\x9d\nother restrictive\nendorsements,\nwithout\nlosing\nany of\n4485,orBeaverton,\nOR 97076-4485.\nIf these\nnotices\nare sent\nto\nto\nus,\nmustNotices:\nbe sentthis\nto\nat not\nGenesis\nFS\nCard\nServices,\nP.O. Box\nour\nrights\nunder\nAgreement.\nWeany\ncredit\nyour\npayments\nany\nother\naddress,\nit us\nwill\nsatisfy\nnotice\nrequirement\n9.\nLegal\nAll\nnotices,\nincluding\nnotices\nrelating\nto\n4485,\nBeaverton,\nORour\n97076-4485.\nIflegal\nthese\nnotices\nsentyou\nto\nin\naccordance\nwith\non are\nthethat\nunder\nthis Agreement\nor payment\nany\nother instructions\nrequirement\nlegal\nactions,\nbankruptcy\nnotices,\nand any\nnotice\nto\nusbilling\nthat\nany\nother\naddress,\nit\nwill\nnot\nsatisfy\nany\nnotice\nrequirement\nprovide\nnotice\nto\nus.\nstatement.\nyou\narethis\nrepresented\nin connection\nwith your\nunder\nAgreementbyorcounsel\nany other\nlegal requirement\nthatdebt\nyou\nto\nmust\nbe sent\nto\nat Genesis\nFS Card\nServices,\nP.O.Class\nBox\n10.us,\nArbitration\nDisputes\n\xe2\x80\x93\nNo\nJurynotices\nTrialsrelating\nor\n9.\nLegal\nNotices:\nAllus\nnotices,\nincluding\nto\nprovide\nnotice\nto for\nus.\n4485,\nBeaverton,\nOR\n97076-4485.\nIf\nthese\nnotices\nare\nsent\nto\nActions:\nThis paragraph\ndescribes\nhow\nall Claims\n(as\ndefined\nlegal\nactions,\nbankruptcy\nnotices,\nandJury\nany\nnotice\nto\nusClass\nthat\n10.\nArbitration\nfor\nDisputes\n\xe2\x80\x93\nNo\nTrials\nor\nany\nother\naddress,\nitby\nwill\nnot\nany notice\nrequirement\nin subparagraph\nA below)\nwill satisfy\nbeinarbitrated,\nat with\nthe\nelection\nof\nyou\nare represented\ncounsel\nconnection\nyour\ndebt\nActions:\nThis\ndescribes\nhow\nall\nClaims\n(as\ndefined\nunder\nthis\nAgreement\nor at\nany\nother\nlegal\nrequirement\nthat\nyou\nyou\normust\nus,\nonparagraph\nan individual\n(non-class,\nnon-representative)\nto\nus,\nbe\nsent\nto\nus\nGenesis\nFS\nCard\nServices,\nP.O.\nBox\nin\nsubparagraph\nbelow) will\narbitrated,\natare\ntheaelection\nof\nprovide\nnotice to\nbasis\ninstead\nofAus.\nlitigated\nin be\ncourt.\nIf younotices\n\xe2\x80\x9cCovered\n4485,\n97076-4485.\nIf these\nare\nsent to\nyou\norBeaverton,\nus, as\nondetermined\nanOR\nindividual\n(non-class,\nnon-representative)\nBorrower\xe2\x80\x9d\nin\naccordance\nwith\nthe\nsafe\nharbor\nany other\naddress,\nit Disputes\nwill not\nnotice\nrequirement\n10.\nArbitration\n\xe2\x80\x93 No Ifany\nJury\nTrials\nClass\nbasis\ninstead\nof for\nlitigated\nin satisfy\ncourt.\nyou\nareimplementing\na or\n\xe2\x80\x9cCovered\nprovisions\nin paragraph\nthe\nMilitary\nLending\nAct all\nand\nits\nActions:\nThis\nClaims\n(as that\ndefined\nunder\nthis\nAgreement\nordescribes\nany\nother how\nlegal\nrequirement\nyou\nBorrower\xe2\x80\x9d\nasyou\ndetermined\nin accordance\nwith\nthe\nsafe\nharbor\nregulations,\nare\nnot\nrequired\nto\nsubmit\nto\narbitration.\nin\nsubparagraph\nbelow) will\nbe arbitrated,\nat the\nelection of\nprovide\nnotice\ntoAus.\nprovisions\nin the\nMilitary\nLending\nAct and its\nimplementing\nA. The\n\xe2\x80\x9cClaim\xe2\x80\x9d\nmeans\nany\nclaim,\ndispute,\nor controversy\nyou\nor term\nus, on\nindividual\n(non-class,\nnon-representative)\nregulations,\nyouanare\nnot required\nto submit\nto arbitration.\nbetween\nyou and\nus arising\nCard,\nbasis\ninstead\nof litigated\nin from\ncourt.orIf relating\nyou aretoayour\n\xe2\x80\x9cCovered\nA. The termas\xe2\x80\x9cClaim\xe2\x80\x9d\nmeansinany\nclaim, dispute,\nor controversy\nBorrower\xe2\x80\x9d\ndetermined\naccordance\nwith the\nsafe harbor\nbetween you\nand Military\nus arising\nfrom Act\nor relating\nyour Card,\nprovisions\nin the\nLending\nand its to\nimplementing\nregulations, you are not required to submit to arbitration.\n\n10. Arbitration for Disputes \xe2\x80\x93 No Jury Trials or Class\nActions: This paragraph describes how all Claims (as defined\nin subparagraph A below) will be arbitrated, at the election of\nyou or us, on an individual (non-class, non-representative)\nbasis instead of litigated in court. If you are a \xe2\x80\x9cCovered\nBorrower\xe2\x80\x9d as determined in accordance with the safe harbor\nprovisions in the Military Lending Act and its implementing\nyour Account,\nthis\nwell as\nany related or\nregulations,\nyouorare\nnotAgreement\nrequired toas\nsubmit\nto arbitration.\nyour\nor that\nthis Agreement\nas well\nany us\nrelated\nor\nprior Account,\nagreement\nyou may have\nhadaswith\nor the\nprior\nagreement\nthat\nyou\nmay\nhave\nhad\nwith\nus or the\nA.\nThe\nterm\n\xe2\x80\x9cClaim\xe2\x80\x9d\nmeans\nany\nclaim,\ndispute,\nor\ncontroversy\nrelationships resulting from this Agreement, including\nthe\nrelationships\nfrom\nthis\nAgreement,\nincluding\nthe\nbetween\nyou resulting\nand us arising\nor arbitration\nrelating to\nyour Card,\nvalidity,\nenforceability\nor\nscopefrom\nof this\nprovision\nor\nyour\nAccount,\nor\nthis\nAgreement\nas\nwell\nas\nany\nrelated\nor\nvalidity,\nenforceability\nor\nscope\nof\nthis\narbitration\nprovision\nor\nyour\nAccount,\nor\nthis\nAgreement\nas\nwell\nas\nany\nrelated\nthe Agreement.\nClaims\narising\nin the\npast,\npresent,\nor or\nfuture,\nprior\nagreement\nthat\nyou\nmay\nhave\nhad\nwith\nus\nthe\nthe\nAgreement.\nClaims\narising\ninthe\nthe\npast,\nor\nfuture,\nprior\nagreement\nthat you\nmay\nhave\nhadpresent,\nwith\nus\nor the\nincluding\nClaims\narising\nbefore\nopening\nof\nyour\nAccount,\nrelationships\nresulting\nthis\nAgreement,\nincluding\nthe\nincluding\nClaims\narisingfrom\nbefore\ntheincludes,\nopeningwithout\nof your\nAccount,\nrelationships\nresulting\nfrom\nthis\nAgreement,\nincluding\nthe\nare\nsubject\nto\narbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nlimitation,\nvalidity,\nenforceability\nor\nscope\nof\nthis\narbitration\nprovision\nor\nare\nsubject\ntoarise\narbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nwithout\nlimitation,\nvalidity,\nenforceability\nof includes,\nthisany\narbitration\nprovision\nor\nclaims\nthat\nfromorarising\norscope\nrelate\nto\napplication\nfor\nyour\nthe\nAgreement.\nClaims\nin\nthe\npast,\npresent,\nor\nfuture,\nclaims\nthat\narise\nfrom arising\nor relate\nany\napplication\nyour\nthe\nAgreement.\nClaims\nin to\nthe\npast,\npresent,\norforfuture,\nAccount\nor\nany\nadvertisements,\npromotions,\nor\nstatements\nincluding\nClaims\narising\nbefore\nthe\nopening\nof\nyour\nAccount,\nAccount\nany Account\nadvertisements,\npromotions,\nstatements\nincluding\nClaims\narising before\nthe\nopening\nof or\nyour\nAccount,\nrelated toor\nyour\nor goods\nor services\nthat\nmay be\nare\nsubject\nto arbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes,\nwithout\nlimitation,\nrelated\ntoinyour\nAccountwith\nor goods\nor services\nmay be\nfinanced\nconnection\nyourincludes,\nAccount.\nFor that\npurposes\nof\nare\nsubject\nto\narbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nwithout\nlimitation,\nclaims\nthat\narise\nfrom\nor\nrelate\nto\nany\napplication\nfor\nyour\nfinanced\nin connection\nwith\nyourand\nAccount.\nFor includes\npurposes\nof\nthis arbitration\n\xe2\x80\x9cyou\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9d\nalso\nany\nclaims\nthat\nariseprovision,\nfrom or\nrelate\nto\nany\napplication\nfor your\nAccount\nor\nany\nadvertisements,\npromotions,\nor\nstatements\nthis\narbitration\n\xe2\x80\x9cyou\xe2\x80\x9d and\n\xe2\x80\x9cus\xe2\x80\x9d alsoorincludes\nany\ncorporate\nany licensees,\npredecessors,\nsuccessors,\nAccount\noraffiliates,\nanyprovision,\nadvertisements,\npromotions,\nstatements\nrelated\nyour\nAccount\nor goods\nor services\nmay be\ncorporate\naffiliates,\nanyoflicensees,\npredecessors,\nsuccessors,\nassigns,to\nany\npurchaser\nany\naccounts,\nall agents,that\nemployees,\nrelated\nto\nyour\nAccount\nor\ngoods\nor\nservices\nthat\nmay\nbe\nfinanced\ninand\nconnection\nAccount.\nFor\npurposes\nof\nassigns,\npurchaser\nofwith\nany your\naccounts,\nall the\nagents,\nemployees,\ndirectorsany\nrepresentatives\nof any\nof\nforegoing,\nand\nfinanced\nin connection\nwith\nyour\nAccount.\nFor\npurposes\nof\nthis\narbitration\nprovision,\n\xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cus\xe2\x80\x9d\nalso\nincludes\nany\ndirectors\nand\nrepresentatives\nof\nany\nof\nthe\nforegoing,\nand\nother\npersons\nreferred\nto\nbelow\nin\nthe\ndefinition\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\nthis\narbitration\nprovision,\n\xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cus\xe2\x80\x9d\nalso\nincludes\nany\ncorporate\naffiliates,\nanyto\nlicensees,\nsuccessors,\nother\npersons\nreferred\nbelow\nthe definition\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes\nclaims\nof\neveryinpredecessors,\nkind\nand nature,\nincluding\ncorporate\naffiliates,\nany licensees,\npredecessors,\nsuccessors,\nassigns,\nany\npurchaser\nanyevery\naccounts,\nagents,\nemployees,\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes\nof\nkind all\nand\nnature,\nincluding\nbut not limited\nto claims\ninitialof\nclaims,\ncounterclaims,\ncross-claims,\nassigns,\nany\npurchaser\nof\nany\naccounts,\nall\nagents,\nemployees,\ndirectors\nand\nrepresentatives\nany ofupon\nthe foregoing,\nand\nbut\nnot limited\nto initial\ncounterclaims,\ncross-claims,\nthird-party\nclaims,\nand claims,\nclaimsof\nbased\ncontract,\ntort,\ndirectors\nand\nrepresentatives\nany\nof the foregoing,\nand\nother\nreferred\nbelowoftorts,\ninbased\nthe definition\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\nthird-party\nandto claims\nupon contract,\ntort,\nfraud,persons\nand claims,\nother\nintentional\nstatutes,\nregulations,\nother\npersons\nreferred\ntoofbelow\ninkind\nthe\ndefinition\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes\nclaims\nevery\nand\nnature,\nincluding\nfraud,\nand\nintentional\ntorts,\nregulations,\ncommon\nlaw,other\nand\nequity.\nClaims\nandstatutes,\nremedies\nsought\nas\n\xe2\x80\x9cClaim\xe2\x80\x9d\nclaims\nof Claims\nevery\nkind\nnature,\nincluding\nbut\ntoaction,\ninitial\nclaims,\ncounterclaims,\ncross-claims,\ncommon\nlaw,\nequity.\nand and\nremedies\nsought\nas\npartnot\nof limited\naincludes\nclassand\nprivate\nattorney\ngeneral\naction,\nor\nbut\nnot\nlimited\ntoaction,\ninitial\nclaims,\ncross-claims,\nthird-party\nclaims,\nand\nclaims\nbased upon\ncontract,\nother\naction\nare counterclaims,\nsubject\ntogeneral\narbitration\nontort,\nan\npart\nofrepresentative\na class\nprivate\nattorney\naction,\nor\nthird-party\nclaims,\nand\nclaims\nbasedstatutes,\nupon\ncontract,\nindividual\nnon-representative)\nbasis,\nand\nthe\nfraud,\nand (non-class,\nother intentional\nregulations,\nother\nrepresentative\naction\nare torts,\nsubject\nto arbitration\nontort,\nan\nfraud,\nand\nother\nintentional\nregulations,\narbitrator\nmay\naward\nrelief\nonlytorts,\nonand\nan statutes,\nindividual\n(non-class,\nindividual\n(non-class,\nnon-representative)\nbasis,\nand the\ncommon\nlaw,\nand\nequity.\nClaims\nremedies\nsought\nas\ncommon\nlaw,\nand\nequity.\nClaims\nand\nremedies\nsought\nas\nnon-representative)\nbasis.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nalso\nincludes\nby or\nor\narbitrator\nrelief\nonly on\nan individual\n(non-class,\npart\nof a may\nclassaward\naction,\nprivate\nattorney\ngeneralclaims\naction,\npart\nofrepresentative\na class\nprivate\nattorney\naction,\nor\nagainst\nany\nthird action,\nparty\nrelating\nor\narising\nfromclaims\nyour\nCard,\nnon-representative)\nbasis.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nalso\nincludes\nby\nor\nother\naction\nare to\nsubject\ntogeneral\narbitration\non\nan\nother\nrepresentative\naretosubject\nto arbitration\nan\nyour Account,\nor party\nthisaction\nAgreement.\nThe\nterm\n\xe2\x80\x9cClaim\xe2\x80\x9d\nis on\ntothe\nbe\nagainst\nany(non-class,\nthird\nrelating\nor\narising\nfrom\nCard,\nindividual\nnon-representative)\nbasis,your\nand\nindividual\n(non-class,\nnon-representative)\nbasis,\nand\ngivenAccount,\nthe may\nbroadest\npossible\nmeaning\nbe(non-class,\nenforced.\nyour\nor\nthis\nAgreement.\nterm will\n\xe2\x80\x9cClaim\xe2\x80\x9d\nis to the\nbe\narbitrator\naward\nrelief\nonly\nonThe\nan that\nindividual\narbitrator\naward\nrelief\nonly\nonalso\nanArbitration\nindividual\n(non-class,\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nmeans\nthe\xe2\x80\x9cClaim\xe2\x80\x9d\nAmerican\nAssociation,\ngiven\nthe may\nbroadest\npossible\nmeaning\nthat\nwill be\nenforced.\nnon-representative)\nbasis.\nincludes\nclaims\nby or\n335 Madison\nAvenue,\nNew\nYork,\nNY\n10017,\nwww.adr.org,\nnon-representative)\nbasis.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nalso\nincludes\nclaims\nby or\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nmeans\nthe\nAmerican\nArbitration\nAssociation,\nagainst\nany third\nparty\nrelating\nto or\narising\nfrom\nyour Card,\n(800)Madison\n778-7879;\nSt.,\nSuite\n300,\nagainst\nany third\nparty\nrelating\ntoMain\nor\nfrom\nyour\nCard,\n335\nAvenue,\nNew1920\nYork,\nNYarising\n10017,\nwww.adr.org,\nyour\nAccount,\nor or\nthisJAMS,\nAgreement.\nThe\nterm\n\xe2\x80\x9cClaim\xe2\x80\x9d\nisIrvine,\nto\nbe\nCA 92614,\nwww.jamsadr.com,\n(949)\n224-1810.\nyour\nAccount,\nor or\nthis\nAgreement.\nThe\ntermSuite\n\xe2\x80\x9cClaim\xe2\x80\x9d\nisIrvine,\nto be\n(800)\n778-7879;\nJAMS,\n1920\nMain\nSt.,\ngiven\nthe\nbroadest\npossible\nmeaning\nthat\nwill\nbe300,\nenforced.\ngiven\nthe\npossible\nmeaning\nthatthat\nwilleach\nbe\nenforced.\nCA\n92614,\nwww.jamsadr.com,\n(949)\n224-1810.\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nmeans\nAmerican\nArbitration\nAssociation,\nB. We\nOR broadest\nyou have\nthetheright\nto require\nClaim be\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nmeans New\nthe\nAmerican\nArbitration\nAssociation,\nresolved\nby\narbitration\non\nan\nindividual\n(non-class,\n335\nMadison\nAvenue,\nYork,\nNY\n10017,\nwww.adr.org,\nB. We OR you have the right to require that each Claimnonbe\n120\nBroadway,\nFloor\n21,\nNewanwill\nYork,\n10271,\nwww.adr.org,\nrepresentative)\nbasis.\nA Claim\nbeNY\narbitrated\nif\n(1) both\nwe\n(800)\n778-7879;\nor JAMS,\nMain\nSt.,\nSuite\n300,\nIrvine,\nresolved\nby arbitration\non1920\nindividual\n(non-class,\nnon(800)\n778-7879;\nor\nJAMS,\n18881\nVon\nKarman\nAve.,\nSuite\nand92614,\nyou or www.jamsadr.com,\n(2) only\none\nthe other\nwe or you,\nCA\n(949)\nrepresentative)\nbasis.\nA or\nClaim\nwill\nbeof224-1810.\narbitrated\nif exercise\n(1) both the\nwe\n350,\nIrvine,\nCAonly\n92612,\n224-1810.\nrightyou\nto or\nrequire\nthatone\nthewww.jamsadr.com,\nbe arbitrated.\nIf, for\nexample,\nand\n(2)\norClaim\nthe other\nof we that\nor(949)\nyou,\nexercise\nthe\nB.\nWe\nOR\nyou\nhave\nthe\nright\nto\nrequire\neach\nClaim\nbe\nwe We\nexercise\nourhave\nrightthe\nto require\nthat\nthe Claim\nresolved\nby\nright\ntoOR\nrequire\nthat\nClaim\nbe\narbitrated.\nIf,be\nfor\nexample,\nB.\nyou\nthe\nrightanto\nrequire\nthat\neach\nClaim\nbe\nresolved\nbybut\narbitration\non\nindividual\n(non-class,\nnonarbitration\nyou\ndo\nnot\nalso\nexercise\nyour\nright\nto\nrequire\nwe\nexercise\nour\nright\nto\nrequire\nthat\nthe\nClaim\nbe\nresolved\nby\nresolved\nby\narbitration\non\nan\nindividual\n(non-class,\nnonrepresentative)\nbasis.\nA Claim will\nbe\narbitrated\n(1) both we\nthat the Claim\nbe arbitrated,\nthe\nClaim\nwill right\nbeif resolved\nby\narbitration\nbut only\nyou\ndo Anot\nalsoother\nexercise\nyour\ntoboth\nrequire\nrepresentative)\nbasis.\nClaim\nwill\nbeofarbitrated\n(1)\nwe\nand\nyou or (2)\none\nor\nthe\nwearbitration,\nor you,if exercise\nthe\narbitration.\nIf\nneither\nwe\nnor\nyou\nrequest\nthe Claim\nthat\nthe\nClaim\nbe\narbitrated,\nthe\nClaim\nwill\nbe\nresolved\nby\nand\nyou\nor\n(2)\nonly\none\nor\nthe\nother\nof\nwe\nor\nyou,\nexercise\nthe\nright\nto be\nrequire\nthat by\nthearbitration\nClaim be and\narbitrated.\nIf,will\nforbeexample,\nwill not\nresolved\ninstead\nlitigated\narbitration.\nIfour\nneither\nwe\nnor\nyoube\nrequest\narbitration,\nthe\nClaim\nright\nto require\nthat\nthe\nClaim\narbitrated.\nfor\nexample,\nwe\nexercise\nto\nrequire\nthat\nthefor\nClaim\nbe\nresolved\nby\nin court.\nWe\nwillright\nnot\nelect\narbitration\nanyIf,\nClaim\nyou file\nwill\nnot\nbe\nresolved\nby\narbitration\nand\ninstead\nwill\nbe\nlitigated\nwe\nexercise\nouryou\nright\nthat\nClaim\nbe\nresolved\nby\narbitration\nbut\ndotonot\nalso as\nexercise\nyourisright\nto require\nin small\nclaims\ncourt,\nsorequire\nlong\nthethe\nClaim\nindividual\nand\nin\ncourt.\nWe\nwill\nnot\nelect\narbitration\nforyour\nanybe\nClaim\nyou\nfile\narbitration\nbutin\nyou\ndo\nnot The\nalso\nexercise\nright\nto\nrequire\nthat\nthe only\nClaim\nbe\nthe\nClaim\nwill\nresolved\nby\npending\nthatarbitrated,\ncourt.\narbitrator\xe2\x80\x99s\nauthority\nto resolve\nin\nsmall\ncourt,\nsonor\nlong\nasrequest\nthe\nClaim\nis individual\nand\nthat\ntheisclaims\nClaim\nbe\nthe\nClaim\nwill\nby\narbitration.\nIf neither\nwe\nyou\narbitration,\nthe Claim\nClaims\nlimited\ntoarbitrated,\nClaims\nbetween\nyou\nandbeusresolved\nalone,\nand\npending\nonly\nthat\ncourt.\nThe\narbitrator\xe2\x80\x99s\nauthority\nresolve\narbitration.\nIf in\nneither\nwearbitration\nnor\nrequest\narbitration,\nthe\nClaim\nthe not\narbitrator\xe2\x80\x99s\nauthority\ntoyou\nmake\nor\nis\nwill\nbe\nresolved\nby\nandawards\ninstead\nwilldecisions\nbeto\nlitigated\nClaims\nis\nlimited\nto\nClaims\nbetween\nyou\nand\nus\nalone,\nand\nwill\nnot to\nbeWe\nresolved\narbitration\nand instead\nwill\nbe between\nlitigated\nlimited\nyou\nuselect\nalone.\nFurthermore,\nin\ncourt.\nwilland\nnotby\narbitration\nfor anyClaims\nClaim\nyou file\nthe\narbitrator\xe2\x80\x99s\nauthority\ntoarbitration\nmake\nawards\norClaim\ndecisions\nis\ncourt.\nWemay\nwillcourt,\nnot be\nelect\nfor any\nyouand\nfile\nyou\nand claims\nus\nnot\njoined\nor the\nconsolidated\nin\narbitration\nin\nsmall\nso\nlong\nas\nClaim\nisClaims\nindividual\nlimited\ntoclaims\nyou\nand\nusby\nalone.\nFurthermore,\nbetween\nwith\nClaims\nbrought\norlong\nagainst\nsomeone\nthan\nyou,\nin\nsmall\ncourt,\nso\nas the\nClaim\nisother\nindividual\nand\npending\nonly\nin\nthat\ncourt.\nThe\narbitrator\xe2\x80\x99s\nauthority\nto\nresolve\nyou\nandotherwise\nus may\nnot\nbe joined\nor consolidated\nin arbitration\nunless\nagreed\ntoThe\ninbetween\nwriting\nby allauthority\nparties.\nHowever,\npending\nin that\narbitrator\xe2\x80\x99s\nto\nresolve\nClaims\nisonly\nlimited\nto court.\nClaims\nyou\nand\nus alone,\nand\nwith\nClaims\nbrought\nby or against\nsomeone\nother\nthan\nyou,\napplicants,\nco-applicants,\nauthorized\nusers\non\na single\nClaims\nis\nlimited\nto\nClaims\nbetween\nyou\nand\nus\nalone,\nand\nthe\narbitrator\xe2\x80\x99s\nauthority\nto\nmake\nawards\nor\ndecisions\nis\nunless\notherwise\nagreedaffiliates\nto in writing\nby all parties.\nHowever,\nAccount,\ncorporate\nare awards\nconsidered\none\nperson\nthe\narbitrator\xe2\x80\x99s\nauthority\ntoauthorized\nmake\nor on\ndecisions\nis\nlimited\nto or\nyou\nand\nus alone.\nFurthermore,\nClaims\nbetween\napplicants,\nco-applicants,\nusers\na\nsingle\nfor the\npurposes\nofus\nthis\nparagraph.\nNo arbitration\naward\nlimited\nyou\nand\nalone.\nFurthermore,\nClaims\nbetween\nyou\nandto\nus\nmay\nnot\nbe\njoined\norare\nconsolidated\ninone\narbitration\nAccount,\nor\ncorporate\naffiliates\nconsidered\nperson\nwill have\nanymay\npreclusive\neffect\nas\nto\nissues or\nclaims\ninyou,\nany\nyou\nand\nus\nnot\nbe\njoined\nor consolidated\nin arbitration\nwith\nClaims\nbrought\nor\nagainst\nsomeone\nother\nthanaward\nfor\nthe\npurposes\nof by\nthis\nparagraph.\nNo arbitration\ndispute\ninvolving\nanyone\nwho\nis notsomeone\naby\nparty\ntoother\nthe arbitration.\nwith\nClaims\nbrought\nby\nor\nagainst\nthan\nyou,\nunless\notherwise\nagreed\nto\nin\nwriting\nall\nparties.\nHowever,\nwill\nany preclusive\neffect\nas topursuant\nissues or\nin any\nThishave\narbitration\nprovision\nisin\nmade\nto claims\na transaction\nunless\notherwise\nagreed to\nwriting\nby\nall to\nparties.\nHowever,\napplicants,\nco-applicants,\nauthorized\nusers\non\na single\ndispute\ninvolving\nanyone\nwho\nis\nnot awill\nparty\nthe\narbitration.\ninvolving\ninterstate\ncommerce\nand\nbe governed\nby the\nAccount,\nor corporate\naffiliates\narepursuant\nconsidered\nperson\nThis\narbitration\nprovision\nis made\nto seq.).\na one\ntransaction\nFederal\nArbitration\nAct (\xe2\x80\x9cFAA\xe2\x80\x9d)\n(9 U.S.C.\n\xc2\xa71, et\nfor\nthe purposes\nthis paragraph.\naward\ninvolving\ninterstateofcommerce\nand willNobearbitration\ngoverned by\nthe\nC. Ifhave\nweArbitration\nor\nrequest\narbitration\na \xc2\xa71,\nClaim,\nwe and\nyou\nwill\nanyyou\npreclusive\neffect\nas U.S.C.\nto of\nissues\nor\nclaims\nin any\nFederal\nAct (\xe2\x80\x9cFAA\xe2\x80\x9d)\n(9\net seq.).\ndispute involving anyone who is not a party to the arbitration.\nC. If arbitration\nwe or you provision\nrequest arbitration\nof a Claim,\nand you\nThis\nis made pursuant\nto a we\ntransaction\n\napplicants, co-applicants, authorized users on a single\nregarding any claims will be final and binding, except for\nAccount, or corporate affiliates are considered one person\nany appeal right under FAA. The appealing party will pay\nfor the purposes of this paragraph. No arbitration award\nthe appeal costs. This agreement to arbitrate shall survive\nwill have any preclusive effect as to issues or claims in any\nany suspension, termination, revocation or closure of the\ndispute involving anyone who is not a party to the arbitration.\nAgreement or your Account, and any bankruptcy to the\nThis arbitration provision is made pursuant to a transaction\nextent consistent with applicable bankruptcy law.\ninvolving interstate commerce and will be governed by the\nF. If any part of this arbitration provision cannot be\nwill notArbitration\nhave the right\nto litigate\nthe Claim\ncourt. This\nHowever, an arbitrator cannot enlarge his or her authority\nFederal\nAct (\xe2\x80\x9cFAA\xe2\x80\x9d)\n(9 U.S.C.\n\xc2\xa71, etinseq.).\nenforced,\nrest ofofcannot\nthe enlarge\narbitration\nprovision\nwill\nwill\nnot (1)\nhave\nthe right\nto litigate\nin court.\nHowever,\nanthe\narbitrator\nhis or\nher authority\nmeans\nthere\nwill be\nno jury the\ntrialClaim\non the\nClaim,This\n(2)\nover the adjudication\nClaims\nbeyond\nthat\nprovided\nby this\nmeans\n(1)\nthere\nwill\nbe\nno\njury\ntrial\non\nthe\nClaim,\n(2)\nover\nthe adjudication\nof enforcing\nClaimsan\nbeyond\nthatofprovided\nby this\nC.\nIf\nwe\nor\nyou\nrequest\narbitration\nof\na\nClaim,\nwe\nand\ncontinue\ntoprovision\napply. However,\narbitrator\ncannot\nenlarge\nthere will be no pre-arbitration discovery except as the\narbitration\nby\nonly\npart\nthis arbitration\nthere\nwillnot\nbehave\nnorules\npre-arbitration\nexceptinmay\nas\nthe\narbitration\nby enforcing\npart\nof this\narbitration\nyou\nwill\nthe permit,\nright to litigate\ncourt.\nhis\nor herprovision\nauthority\noverdetermines\ntheonly\nadjudication\nof\nClaims\nAdministrator\xe2\x80\x99s\nanddiscovery\n(3) the\nno Claim\nClaim\nbe\nprovision.\nIf arbitrator\nan arbitrator\nthat\napplicable\nlaw\nwill\nnot\nhave(1)\ntherules\nrightpermit,\nto litigate\nin court.\nThis\nHowever,\nan\ncannot\nenlarge\nhis\nher authority\nAdministrator\xe2\x80\x99s\nand\n(3)Claim\nno Claim\nbe\nprovision.\nIf arbitration\nan\narbitrator\nthatorapplicable\nlaw\nThis\nmeans\nthere\nwill\nbe private\nno the\njury\ntrial\non\nthemay\nClaim,\nbeyond\nthat\nprovided\nby determines\nthis\narbitration\nprovision\nby\narbitrated\non\na\nclass-action,\nattorney\ngeneral,\nor\nrequires\nthis\nprovision\nto\nbe\nenforced\nin\na way\nthat\nmeans\n(1)\nthere\nwill\nbe\nno\njury\ntrial\non\nthe\nClaim,\n(2)\nover\nthe\nadjudication\nof\nClaims\nbeyond\nthat\nprovided\nby\nthis\narbitrated\non abe\nclass-action,\nprivate\nattorney\ngeneral,\nor\nrequires\nthisonly\narbitration\nprovision\nto beClaims\nenforced\nin aotherwise\nwayIfthat\n(2)\nthere\nwill\nno basis,\npre-arbitration\ndiscovery\nexcept\nas\nenforcing\npart ofauthority\nthis arbitration\nprovision.\nan\nother\nrepresentative\nand\nneither\nweexcept\nnor\nyou\nwill\nwould result\nin greater\nover\nthan\nthere\nwill\nbe\nno\npre-arbitration\ndiscovery\nas\nthe\narbitration\nprovision\nby\nenforcing\nonly\npart\nof\nthis\narbitration\nother\nrepresentative\nbasis,permit,\nand\nneither\nyou\nwill\nwould\nresult\nin as\ngreater\nauthority\nover\nClaims\nthan\notherwise\nWe\napp yapplicable\nhe\nANNUAL\nthe\nAdministrator\xe2\x80\x99s\nrules\nand (3)wenonor\nClaim\nmay\narbitrator\ndetermines\nthat\nlaw\nrequires\nthis\nhave\nthe\nright\nto\nparticipate\nas\na\nrepresentative\nor\nmember\nallowed,\nsuch\nthe\nadjudication\nof\nclaims\non\na\nclass\nor\nyou res\nAdministrator\xe2\x80\x99s\nrules\npermit,\n(3) no Claim\nmay be\nprovision.\nIfde\nanasnarbitrator\ndetermines\nthat ANNUAL\napplicable\nlaw\nWe\napply\nthe of claims\nhave\nthe\nrightoron\ntogroup\nparticipate\nas aand\nrepresentative\norany\nmember\nallowed,\nsuch\nadjudication\non that\na class\nor\nh\nyenforced\nPERCENTAGE\nbe\narbitrated\na class-action,\nprivate\nattorney\ngeneral,\narbitration\nprovision\nto\nbe\ninmust\na way\nwould\nof any\nclass\nof claimants\npertaining\ntogeneral,\nClaim\nrepresentative\nbasis,\nthen\nthe\narbitrator\ndecline\nto\nhear\nIfhe\nyou\nreside\nin themon\ns\na\ne\no\narbitrated\non\na\nclass-action,\nprivate\nattorney\nor\nrequires\nthis\narbitration\nprovision\nto\nbe\nenforced\nin\na\nway\nthat\nmonthly\nPERCENTAGE\nof\nany\nclass\nor group of\nclaimants\npertaining\nto\nany\nClaim\nrepresentative\nbasis,\nthen\nthecthe\narbitrator\nmust\ndecline\nhear\nper\nod\nra\ne oClaims\nRATE\nsubject\ntorepresentative\narbitration.\nWe\nor and\nyou\nmay\nelect we\nto nor\narbitrate\nany\nor\nother\nbasis,\nand\nneither\nnor\nyou\nwill\nresult\ninWegreater\nauthority\nover\napp\ny shall\nhe\nANNUAL\nthe\nand\nrefer\nparties\nto athan\ncourtotherwise\nortoother\nthedispute\nof:\nyou eswould\nde\nnstate\nother\nrepresentative\nbasis,\nneither\nyou\nwill\nresult\nin\ngreater\nauthority\nover\nClaims\nthan\notherwise\nperiodic\nrate\nof:\nsubject\narbitration.\nWe itorhas\nyou\nmay\nelectwe\narbitrate\nany\nWe\napply\nthe\nANNUAL\nthe\ndispute\nand\nrefer\nthe\nparties\nto aRATE\ncourt\nor\nother\nmon\nh yasshall\nPERCENTAGE\nClaimthe\nattoright\nany\ntime\nunless\nbeen\nfiled\nintocourt\nand trial\nbody\nwith\nsufficient\nauthority.\nIn\nthe\nevent\nof\nany\nconflict\nhave\nto\nparticipate\nas\na\nrepresentative\nor\nmember\nallowed,\nsuch\nthe\nadjudication\nof\nclaims\non\na\nclass\nor\nIf\nyou\nreside\nin\nWe\napply\nthe\nANNUAL\nhe\ns\na\ne\no\nhave\nthe\nright\nto participate\nas\nabeen\nrepresentative\nor member\nallowed,\nsuch\nthe\nadjudication\nof\na class\nor\nmonthly\nPERCENTAGE\nClaim\nat\nany\ntime\nunless\nit has\nfiled\nin court\nandClaim\ntrial\nwith\nsufficient\nauthority.\nInarbitrator\nthe\nevent\nofonany\nconflict\npe\nod as\ncin\na\ne1o\nRATE\nIf inconsistency\nyou\nreside\n75%\nothe\n$750\n00 claims\n21%\nhasany\nbegun\noror\nfinal\njudgment\nhas\nbeen\nentered.\nor\nbetween\nthis\narbitration\nprovision\nand\nthe\nof\nclass\ngroup\nof claimants\nclaimants\npertaining\nto any\nany\nthe state body\nof:\nrepresentative\nbasis,\nthen\nmust\ndecline\nto\nAL\nmonthly\nPERCENTAGE\nof\nany\nclass\norfinal\ngroup\nof\npertaining\nto\nClaim\nrepresentative\nbasis,\nthen\nthe\narbitrator\nmust\ndecline\nto\nhear\nperiodic\nrate\nof:\nRATE\n1.75%\nto\n$750.00\n21%\nhas\nbegun\nor\njudgment\nhas\nbeen\nentered.\nor\ninconsistency\nbetween\nthis\narbitration\nprovision\nand\nthe\n1or\n5%\nove\n$750\n00parties\n18%\nthe\nstate\nof: rules\nAdministrator\xe2\x80\x99s\nother\nprovisions\nof this\nAL the\nsubject\nto\narbitration.\nWe or\nor you\nyou\nmay elect\nelectshall\nto arbitrate\narbitrate\nany\nhear\ndispute\nand\nshall\nrefer\nthe\ntoAgreement,\na or\ncourt\nor\nperiodic\nrate\nof:\nRATE\nD. The to\nparty\ninitiating\nan\narbitration\nselectany\nan\n1\n75%\no\n$750\n00\n21%\nsubject\narbitration.\nWe\nmay\nto\nWe\napply\nthe\nANNUAL\nthe\ndispute\nand\nshall\nrefer\nthe\nparties\nto\na\ncourt\nother\n1.5%\nover\n$750.00\n18%\nAdministrator\xe2\x80\x99s\nrules\nor other\nprovisions\nthisevent\nAgreement,\nthisinarbitration\nprovision\nwill govern.\nIfAL\nyou reside\nClaim\natparty\nany time\ntime\nunless\nhas\nbeenlisted\nfiled in\nin\ncourtselect\nand\ntrial\nother\nbody\nwith\nsufficient\nInofthe\nof any\nD.\nTheat\ninitiating\narbitration\nshall\nan\n1.75%\nto $750.00\n21%\n1 5%\nove\n$750\n00willauthority.\n18%\nAdministrator\nfrom\nthe organizations\nabove.\nIfand\nnone\nARarbitration\n1authority.\n4167%\n17%\nmonthly\nPERCENTAGE\nClaim\nany\nunless\nititanhas\nbeen\nfiled\ncourt\ntrial\nwith\nsufficient\nIn the event\nof any conflict\nthis\nprovision\ngovern.\nALofstate body\nthe\nof:\nhas\nbegun\nor\nfinal\njudgment\nhas\nbeen\nentered.\n1.5%\nover\n$750.00\n18%\nAdministrator\nfrom\nthe\norganizations\nlisted\nabove.\nIf\nnone\nof\nconflict\nor\ninconsistency\nbetween\nthis\narbitration\nAR\n1.4167%\n17%\nperiodic\nrate\nof:\nRATE\nthe\nAdministrators\nlisted\nabove\nwill\naccept\nthe\narbitration,\n11.\nFees:\n1.75%\nto\n$750.00\n21%\nhas begun or final judgment has been entered.\norAL\ninconsistency\nbetween this17%\narbitration provisionprovision\nand the\nCO\nGA\nN\nAR\n1 4167%\nthe Administrators\nlisted\nabove will by\naccept\nthe arbitration,\n11.\nFees:\nand\nthe\nAdministrator\xe2\x80\x99s\nrules\norany\nother\nprovisions\nof this\narbitration\nwill\nbe\nadministered\nan administrator,\nor\nA.CO,\nReturned\nFee:\nIf$750.00\ncheck,\ninstrument,\nor\nover17%\n18%\nGA,\nIN,\nrules1.5%\nother\nprovisions\nof\nthis\nAgreement,\nOK\nTN Payment\n1or\n75%\n21%\n1.4167%\nD. The\nThe party\nparty will\ninitiating\nan arbitration\narbitration\nshall select\nselect AR\nan\nCO\nGA Administrator\xe2\x80\x99s\nN MS\nD.\ninitiating\nan\nshall\nan\n1.75%\nto $750.00\n21%\nthe\narbitration\nbe administered\nby an\nadministrator,\nor\nA.\nReturned\nPayment\nFee:\nIf pay\nany us\ncheck,\ninstrument,\nor\nAgreement,\nthis\narbitration\nprovision\nwill\ngovern.\nelectronic\nauthorization\nused\nto\nis\nnot\nhonored\nupon\nadjudicated\nby\nan\narbitrator,\nupon\nwhich\nyou\nand\nwe\nagree\nin\nMS,\nOK,\nTN,\n1.75%\n21%\nTX\nVT\nWY\nthis\narbitration\nprovision\nwill\ngovern.\nAL\nMS\nOK IN,\nTNAR\n1 75%over $750.00\n21%\nCO,\nGA,\nAdministrator\nfrom\nthe\norganizations\nlisted\nabove.\nIf\nnone\n1.5%\n18%\nAdministrator\nfrom\nthe\norganizations\nlisted\nabove.\nIf\nnone\nof\n1.4167%\nelectronic\nauthorization\nused to\npay\nussecond\nis not17%\nhonored\nupon\nadjudicated\nan arbitrator,\nwhich you\nagree\nin OK,WY\nfirst\npresentment,\n(for\nresidents\nof\nMD,\npresentment),\nwriting. Theby\narbitration\nshallupon\nbe governed\nby and\nthe we\nprocedures\nTX,\nVT,\nWY\n11.\nFees:\nTX VT\nMS,\nTN,\n1.75%\n21%\nDC\nMD\n0%\nof\nAdministrators\nlisted\nabove\nwillthis\naccept\nthe procedures\narbitration,\nthe\nAdministrators\nlisted\nabove\nwill\naccept\narbitration,\n11.\nFees:\nfirst\npresentment,\n(for2instrument\nresidents\nofor\nMD,\nsecond24%\npresentment),\nwriting.\nTheofarbitration\nshall\nbe governed\nby the\neven\nifMD\ntheIN,check,\nelectronic\nauthorization\nandthe\nrules\nthe Administrator\nand\nAgreement,\nwhich\nCO,\nGA,\nTX,\nVT,\nAR\n1.4167%\nA.\nReturned\nPayment\nIf\nany\ncheck,\ninstrument,\nor\nDC,\n2.0%Fee: 17%\n24%\nDC\nMD WY\n2 0%\n24%\nthe\narbitration\nwill\nbe\nadministered\nby\nan\nadministrator,\nor\nHlater\nMA\nMN\nNCwe1.75%\n1may\n5%\n18%\nthe\nwill\nbe administered\nby\nadministrator,\nor MD A.\nReturned\nPayment\nFee:\nIf or\nany\ncheck,\ninstrument,\nor\neven\nifOK,\nthe\ncheck,\ninstrument\nelectronic\nauthorization\nand\nrules\nof the\nAdministrator\nandlocal\nthisan\nAgreement,\nwhich\nisMS,\nhonored,\ncharge\nyou\naus\nReturned\nPayment\nneedarbitration\nnot apply\nfederal,\nstate or\nrules\nof procedure\nTN,\n21%\nDC,\n2.0%\n24%\nelectronic\nauthorization\nused\nto\npay\nis\nnot this\nhonored\nCO,\nGA,MN\nIN,\nH in\nNC\n1 MN,\n5%\n18%\nadjudicated\nby an\nan\narbitrator,\nupon\nwhich\nyou\nand\nwe\nagree\ninMA\nHI,\nMA,\nNC\n1.5%\n18%\nelectronic\nauthorization\nused\nto\npay\nus\nis\nnot\nhonored\nupon\nadjudicated\nby\narbitrator,\nupon\nyou\nagree\nis\nlater\nhonored,\nwe\nmay\ncharge\nyou\na\nReturned\nPayment\nFee.\nExcept\nas\nset\nforth\nfor\nspecified\nstates\nbelow,\nfee\nis\nneed\nnot apply\nfederal,\nstate\nor which\nlocal\nrulesand\nofwe\nprocedure\nand evidence.\nThe\nAdministrator\xe2\x80\x99s\nprocedures\nand\nrules\nTX,\nVT,\nWY\nMNC\nNY\nOH WV\n2 0825% 21%\n24of99%\nMS,\nOK, TN,\n1.75%\nthe\nfirst\nitsetis(for\nsubmitted,\n(for\nresidents\nMD,\nupon\nHI,\n1.5%\n18%\nwriting.\nThethe\narbitration\nshall\nbe governed\ngoverned\nbyor\ntheus.\nprocedures\nM\nNY MN,\nOH\nWV\n2time\n0825%\n24of\n99%\nFee.\nExcept\nas WV\nforth\nfor specified\nstates\nbelow,\nthis\nfee\nis\nupMI,\nto\n$37.00.\nThe\nfee\ncharged\ngenerally\nwill\nbe\nthe\nhighest\nfirst\npresentment,\nresidents\nMD,\nsecond\npresentment),\nwriting.\nThe\narbitration\nshall\nbe\nthe\nprocedures\nand\nThe Administrator\xe2\x80\x99s\nand\nmay evidence.\nlimit\ndiscovery\navailable\ntoprocedures\nyouby\nYourules\ncanMA,\nNY,\nOH,\n2.0825%\n24.99%\nTX,\nVT, WY\nDC,\n2.0%\n1if75%\no 24.99%\n$499 instrument\n99\nresubmission),\nthesubject\ncheck,\northe\nelectronic\nand\nrules\nof\nthe\nAdministrator\nandtothis\nthis\nAgreement,\nwhich\nMI,\nWV\n2.0825%\namount\npermitted\nby\nlaw,\nthe specified\nmaximum.\nup\nto ifMD\n$37.00.\nThe\nfee\ncharged\ngenerally\nwill24%\nbeauthorization\nhighest\n1\n75%\noeven\n$499\n99\neven\nthe\ncheck,\ninstrument\nortoelectronic\n21%\nobtain\na copy\nof Administrator\nan Administrator\xe2\x80\x99s\nprocedures\nrules\nand\nrules\nof\nand\nAgreement,\nwhich\nmay\nlimit\nthethe\ndiscovery\navailable\nyou\nor us. and\nYou\ncanNY, OH,\n21%may\nDC, MD authorization\n2.0% is later 1.75%\n24%\n$499.99\n100\n5%\noto $500\n00not\nandexceed\nNEmeans\nhonored,\nwe\ncharge\nyouthe\namaximum.\nReturned\n1 MN,\n5%that\noto\n$500\nand\nNE\nHI,\nMA,\nNC\n18%\nThis\nthe\nfee\ngenerally\nwill\namount\namount\npermitted\nby1.5%\nlaw,\nsubject\nto\nthe\nspecified\n1.75%\n$499.99\n18%\nby contacting\nAdministrator.\nsingle,\nneutral\narbitrator\nis\nlater\nhonored,\nwe\nmay\ncharge\nyou\na\nReturned\nPayment\n21%\nobtain\na copy\noffederal,\nan\nAdministrator\xe2\x80\x99s\nprocedures\nand\nrules\nneed\nnot\napplythe\nstate orAlocal\nrules\nof procedure\n18%\n21%\nmo\ne\n1.5%\nfor\n$500.00\nand\nNE\nPayment\nFee.\nExcept\nasgenerally\nsetspecified\nforth\nfor due\nspecified\nstates\nbelow,\nHI,\nNC\n1.5%\n18%will\nmo\ne\n1.5%\nfor\n$500.00\nand\nNE MA, MN,\nofMI,\nthe\nrequired\nminimum\npayment\nimmediately\nprior\nThis\nmeans\nthat\nthe\nfee\nnot\nexceed\nthe\namount\nwillcontacting\nresolve\nClaims.\nThe\narbitratorAwill\nbe either\na lawyer\nwith\nFee.\nExcept\nas\nset\nforth\nfor\nbelow,\nthis\nfee\nis\n18%\nby\nthe\nsingle,\nneutral\narbitrator\nand\nevidence.\nTheAdministrator.\nAdministrator\xe2\x80\x99s\nprocedures\nand\nrules\n2.0825%\n24.99%\n18% states\nmore\nthis\nisOH,\nto\n$39.00.\nThe\nfeeisdue\ncharged\ngenerally\nwill\noNY,\nhe\nsup\na WV\nes\n2491%\n26\n99%\nmore\nA\nhe OH,\nsup\nes\n2\n2491%\n26generally\n99%\ntoaAWV\nthe\ndate\non\nwhich\npayment\nreturned.\nIn\nof\nrequired\nminimum\npayment\nimmediately\nprior\nmay\nlimit\ndiscovery\navailable\ntobeyou\norformer\nYou\ncanoNY,\nMI,\n2.0825%\n24.99%\nat least\ntenthe\nyears\nexperience\nor awill\nretired\nor\njudge,\ntofee\n$37.00.\nThe\nfee2the\ncharged\nwill\nbe\ntheaddition,\nhighest\nwill\nresolve\nClaims.\nThe arbitrator\neither\naus.\nlawyer\nwith\n1.75%\nto 26.99%\n$499.99\nbe\nthe\nhighest\namount\nbyreturned.\nlaw,\nsubject\nto the\nAll\nother\nstates\n2.2491%\n26.99%\nthe\nfirst\ntime\nmake\npayment\nthat\nis returned,\nthe\nfee\nAll other states\n2.2491%\nto\nthe\ndate\nonyou\ntheapermitted\npayment\nInmaximum.\naddition,\nselected\nin\naccordance\nwith the\nof the\nat\nleasta ten\nyears\nexperience\nor rules\na retired\nor Administrator.\nformer\namount\npermitted\nby\nlaw,\nsubject\nto is\nthe\nspecified\n1.75%\ntowhich\n$499.99\n21%\nobtain\ncopy\nof an\nAdministrator\xe2\x80\x99s\nprocedures\nandjudge,\nrules\n21%\n1.5%\n$500.00\nand\nNEfirst\nwill\nnot\nexceed\n$27.00.\nyou\nmake\nanother\npayment\nspecified\nmaximum.\nThis\nmeans\nthat\nthe\nfee\ngenerally\nwill\nthe\ntime\nyou\nmake\naIffor\npayment\nthat\nis\nreturned,\nthe that\nfee\nIn contacting\nthe event\noftheany\nconflict\nor inconsistency\nbetween\nthis\n1.5%\nfor\n$500.00\nand\nNE\nselected\nin accordance\nwith the\nrules\nof the\nAdministrator.\nThis\nmeans\nthat\nthe\nfee\ngenerally\nwill\nnot\nexceed\nthe\namount\n18%\nby\nAdministrator.\nA single,\nneutral\narbitrator\nmore\nis returned\nduring\nthe\nnext\nsix18%\nbilling\ncycles,\nthe\nfeepayment\nwillprior\nnot\nnot\nexceed\nthe amount\nof\nthe\nrequired\nminimum\nmore\narbitration\nandarbitrator\ntheor\nAdministrator\xe2\x80\x99s\nor other\nwill\nnotrequired\nexceed\n$27.00.\nIf you\nmakedue\nanother\npayment\nthat\nIn\nthe\neventprovision\nof anyThe\nconflict\ninconsistency\nbetween\nthis\nof\nthe\nminimum\npayment\nimmediately\nwill\nresolve\nClaims.\nwill be eitherrules\na lawyer\nwith\nexceed\n$37.00.\nprovisions\nof\nthis\nAgreement,\nthis\narbitration\nprovision\nwill\nis\nreturned\nduring\nthe\nnext\nsix\nbilling\nfeeaddition,\nwill not\ndue\nimmediately\nprior\nto\nthe\ndate\non\nwhich\nthe In\npayment\nis\nAll\nother\nstates\n2.2491%\n26.99%\narbitration\nand the Administrator\xe2\x80\x99s\nother\nAll other states\n2.2491%\n26.99%\nto the date\non which the payment\nis cycles,\nreturned.\nat\nleast tenprovision\nyears experience\nor a retired or rules\nformerorjudge,\nSae\nMax mum\nRefirst\nu ned\ngovern. The\narbitrator\nwill\nreasonable\nto protect\nexceed\nreturned.\nIn you\naddition,\nthe\ntime\nyou\nmake\na payment\nprovisions\nthis Agreement,\nthis\narbitration\nprovision\nwill\nS first\na e$37.00.\nMax\nmum\nRe\nurned\nthe\ntime\nmake\na\npayment\nthat\nis\nreturned,\nthe\nfee\nselected\nin of\naccordance\nwithtake\nthe\nrules\nof thesteps\nAdministrator.\nPaymen Fee\nState\nReturned\ncustomer\ninformation\nand other\nconfidential\nthat\nis returned,\nthe fee will\nnot\nexceedanother\n$28.00.\nIf you make\ngovern.\nTheaccount\narbitrator\nwill take\nreasonable\nsteps\nto protect\nPaymen\nFee\nwill\nnot\nexceed Maximum\n$27.00.\nyou\nmake\npayment\nthat\nIn\nthe event\nof any conflict\nor inconsistency\nbetween\nthis\nState\nMaximum\nReturned\nAK KY LA\nME\nNH\n$37 00 If\nPayment\nFee\ninformation\nif\nrequested\nto\ndo\nso\nby\nyou\nor\nus.\nArbitration\nanother\npayment\nthat\nis\nreturned\nduring\nthe the\nnextfee\nsixwill\nbilling\ncustomer\naccount\ninformation\nand\nother\nconfidential\nis\nreturned\nduring\nthe\nnext\nsixPayment\nbilling\ncycles,\nnot\nAK\nKY\nLA\nME\nNH\n$39\n00\narbitration provision and the Administrator\xe2\x80\x99s rules or other\nFee\nND\nOH\nSD\nVA\nWA\nAK,\nME, NH,\n$37.00\nhearings for\nby ortoagainst\nyou\nwillortake\nplace\nin will\nthe KY, LA,\ninformation\nrequested\ndothis\nso by\nyou\nus.\nArbitration\ncycles,\nthe\nfee\nwill\nnot\nexceed\n$39.00.\nND\nOH\nSD\nVA\nWA\nexceed\n$37.00.\nW\nprovisions\nofifClaims\nthis\nAgreement,\narbitration\nprovision\nAK,\nKY,\nLA,\nME,\nNH,\n$39.00\nND,\nOH, SD, VA, WA,\nfederal judicial\ndistrict\nin\nyou\nIf you\nMaximum\nReturned\nhearings\nfor arbitrator\nClaims\nbywill\nor which\nagainst\nyoureside.\nwill take\nplace\nin State\nthea AR H State\nW\nAL\nKS MN\n$30 WA,\n00\ngovern.\nThe\ntake\nreasonable\nsteps\nto make\nprotect\nND,\nOH, SD, VA,\nWI\nMaximum Returned\nrequestjudicial\nto us indistrict\nwriting,inwe\nwill temporarily\nadvance\nto you\nMT\nSC TNAL\nTXAR H APayment\nfederal\nwhich\nyou\nreside.\nIf\nyou\nmake\na\n$30 00 Fee\nKS MNFee Payment\ncustomer\naccount\ninformation\nand\nother\nconfidential\nAL, AR, HI, WI\nKS, MN,\n$30.00\nthe filing,\nadministrative,\nandwill\nhearing\nfees foradvance\nthe arbitration\nAK,\nKY,\nLA,\nME,\nNH,\n$37.00\nrequest\nto\nus\nin\nwriting,\nwe\ntemporarily\nto\nyou\nMT\nSC\nTN\nTX\nMT,\nSC, TN,\nTXM\ninformation\nif\nrequested\nto\ndo\nso\nby\nyou\nor\nus.\nArbitration\nAL,\nAR,\nHI,\nIA,\n$30.00\nAZ\nCO\nL\nN\nNV\n$25\n00\nKS,\nMN,\nAK,\n$39.00\nof your\nClaim\nagainst us (but\nnot if thefees\nClaim is\nagainst\nyou)\nND, OH, SD,\nVA,KY,\nWA,LA, ME, NH,\nthe\nfiling,\nadministrative,\nhearing\nthe\narbitration\nNC\nOK R ND,\nWV OH,\nhearings\nfor\nby fee\norand\nagainst\nyouhave\nwillfor\ntake\nplace\nin WI\nthe\nSC,\nTN,\nTX\nSD,\nVA,\nin your\nexcess\nof Claims\nany\nfiling\nyounot\nwould\nbeen\nrequired\nto CO,\nAZ,\nIL, MT,\nIN, MI,\nNV,\n$25.00\nAZ\nCO\nL N\nM WA,\nNV\n$25 00\nof\nClaim\nagainst\nus\n(but\nif\nthe\nClaim\nis\nagainst\nyou)\nfederal\njudicial\ndistrict\nwhich\nyou\nreside.\nIf(whichever\nyou make\na AR,\nNC,\nOK,\nRI,\nWVMN,\nWI\nAL,\nKS,\n$30.00\nCA\nMD HI,\nMO\n$15 00\npayexcess\nto file\ntheany\nClaim\nin fee\nainstate\nor\nfederal\ncourt\nis\nNC\nOK IL,\nR IN,\nWV\nin\nof\nfiling\nyou\nwould\nhave\nbeen\nrequired\nto\nAZ,\nCO,\nMI,\nNV,\n$25.00\nrequest\nto us\nin writing,\nweinwill\ntemporarily\nadvance\nyou\nMT,\nSC,\nTN,NJ\nTXNY\nless)toinfile\nthe\njudicial\nwhich\nyou reside.\nAt the to\nend\nof\nAL,\nAR,UT\nHI, IA,\nCT\nD A\n$20\nKS,00MN, $30.00\nCA,\nMO\n$15.00\npay\nthe\nClaimdistrict\nin a state\nor federal\ncourt\n(whichever\nis MD,\nNC,\nCA OK,\nMD RI,\nMOWV\n$15 00\nthe\nfiling,\nadministrative,\nand will\nhearing\nfees\nfor the\narbitration\nthe\narbitration,\nthe\narbitrator\ndecide\nif\nyou\nhave\nto\nrepay\nMT,\nSC,\nTN, TX\nFL\nG ea e o 5% o amoun o\nless)\nin Claim\nthe judicial\ndistrict\nin which\nyouClaim\nreside.\nAt\nthe end\nof CO,\nAZ,\nIL,NJ,\nIN, NY,\nMI,\nNV,\n$25.00\nCT,\nID, IA,\nUT\n$20.00\nof\nyour\nagainst\nus\n(but\nnot\nif\nthe\nis\nagainst\nyou)\nCT MD,\nD NJ\nNYpaymen\nUT\n$20\nthe\nadvance\n(and\nif\nyou\ndo\nhave\nto\nrepay,\nyou\nagree\nto\ndo\nof\nyour\nClaim\nagainst\nus\n(but\nnot\nif\nthe\nClaim\nis\nagainst\nyou)\nCA,\nMO\n$15.00\no\n$25\n00 00\nmax\nNC, OK, RI, WV\ntheexcess\narbitration,\nthe\narbitrator\nwill\ndecide\nif you have\nto repay\nof 5% $25.00\nof amount of\nin\nof\nany\nfiling\nfee\nyou\nwould\nhave\nrequired\nto\nAZ,\nIL, IN,Greater\nMI,00\nNV,\nso).\nUnless\nlaw\nrequires\notherwise,\nwe\nwilltoFL\npay\n$37\nin\nexcess\nof applicable\nany\nfiling\nfee\nyou\nwould\nhave been\nbeen\nrequired\nto\nFL CO,\nG ea(max\ne o 5% o amoun o\nCT,\nID, NJ, NY,\nUT or $25.00\n$20.00\nthe\nadvance\n(and\nif\nyou\ndo\nhave\nto\nrepay,\nyou\nagree\ndo\npayment\nCA,\n$15.00\npay\nfile\nthe\nClaim\naa state\nor\ncourt\n(whichever\nis\nGA\nG ea e o 5% paymen\no amoun oo $25 00 max\nour, to\nand\nwill\npayin\nyour,\nlawyers\xe2\x80\x99,\nexperts\xe2\x80\x99,\nwitnesses\xe2\x80\x99\npay\nto\nfileyou\ntheapplicable\nClaim\nin\nstate\nor federal\nfederal\ncourtand\n(whichever\nis MD, MONC, OK, RI, WV\nso).\nUnless\nlaw\nrequires\notherwise,\nwe\nwill\npay\n$37.00)\nFL NY, UT\nGreater of 5% of amount of\nless)\nthe\njudicial\ndistrict\nin\nyou\nreside.\nAt\nthe\nof\nfees. in\narbitrator\nwill apply\napplicable\nsubstantive\nlaw\n$20.00\nless)\ninThe\nthe\njudicial\ndistrict\nin which\nwhich\nyou\nreside.\nAtwitnesses\xe2\x80\x99\nthe end\nendCT,\nof ID, IA, NJ,\n$39\n00 of\nGA\nof\namount\nour,\nand\nyou\nwill pay\nyour,\nlawyers\xe2\x80\x99,\nexperts\xe2\x80\x99,\nand\nCA, MD, MO Greater\npayment\nor $25.00 (max\n$37 00 of 5% $15.00\nthe\narbitration,\nwill\ndecide\nifif you\nhave\nto\nrepay\nconsistent\nwiththe\nthe arbitrator\nFAA\nand applicable\nstatutes\nof\nlimitations,\nFL\nGreater\nof\n5%\nof\nthe\narbitration,\nthe\narbitrator\nwill\ndecide\nyou\nhave\nto\nrepay\nGA\nG amount\nea e oof5% o amoun o\nfees.\nThe\narbitrator\nwill\napply\napplicable\nsubstantive\nlaw\nOR\n$35\n00\n$39.00)\nCT,\nID,\nNJ,\nNY,\nUT\n$20.00\nwill\nhonor\nclaims\nof\nprivilege\nrecognized\nat\nlaw,\nand\nwill\nhave\nthe\nadvance\n(and\nif\nyou\ndo\nhave\nto\nrepay,\nyou\nagree\nto\ndo\npayment\nor\n$25.00\n(max\npaymen\no $30 00 max\n$37.00)\nthe advance\n(and\nyouand\ndoapplicable\nhave to repay,\nyouofagree\ntoDC\ndo DE MAGA\nconsistent\nwith\ntheifFAA\nstatutes\nlimitations,\nGreater of\nof 5%\n5% of\nof amount\namount of\nof\nNone\nthe power\ntoapplicable\naward\nto law\na party\nany damages\norwe\nother\nso).\nUnless\nrequires\notherwise,\nwill\npay\n$37.00)\nFLMS NE\nGreater\nOR\n$35.00\n$39 00\nso).\nUnless\napplicable\nlaw\nrequires\notherwise,\nwe\nwillrelief\npay\nwill\nhonor\nclaims\nof\nprivilege\nrecognized\nat\nlaw,\nand\nwill\nhave\nNM PA VT WY\npayment\nor\n$30.00 (max\nprovided\nfor will\nunder\nlaw. The\narbitrator\nwill make\nGA\nGreater\nof\namount\nof $25.00\nour,\nand\npay\nyour,\nlawyers\xe2\x80\x99,\nexperts\xe2\x80\x99,\nand\nwitnesses\xe2\x80\x99\n(max\nOR\n$35\n00 or\nDC, DE, MA,\nMS, NE,\nNone of 5% payment\nour,\nand you\nyou\nwill\npayapplicable\nyour,\nlawyers\xe2\x80\x99,\nexperts\xe2\x80\x99,\nand\nwitnesses\xe2\x80\x99\nthe\npower\nto\naward\nto\na\nparty\nany\ndamages\nor\nother\nrelief\n$39.00)\nany award\nin writingwill\nand,apply\nif requested\nbysubstantive\nyou or us, law\nwill\nfees.\nThe\narbitrator\napplicable\nNM,\nWYDE MA MS NE\n$39.00)\nfees.\nThe\narbitrator\nwill of\napply\napplicable\nlaw PA, VT,OR\nprovided\nunder\napplicable\nThe arbitrator\nwill make\nDC\nNone\n$37.00)\n$35.00\nprovide\na for\nbrief\nstatement\nthelaw.\nreasons\nfor substantive\ntheofaward.\nconsistent\nwith\nthe\nFAA\nand\napplicable\nstatutes\nlimitations,\nGA\nGreater of 5% of amount of\nconsistent\nthe FAAand,\nand applicable\nstatutes\nof limitations,\nNM PA VT WY\nany\naward with\nin writing\nif requested\nby you\nor us, OR\nwill\n$35.00\nwill\nhonor\nclaims\nof\nprivilege\nrecognized\nat\nlaw,\nand\nwill\nhave\nDC,\nDE,\nMA,\nMS,\nNE,\nNone\nE. Judgment\nupon\narbitrator\xe2\x80\x99s\nawardat\nmay\nentered\nin\npayment or $30.00 (max\nprovide\na brief\nstatement\nof the\nreasons\nfor\nthebe\naward.\nwill\nhonor\nclaims\nofthe\nprivilege\nrecognized\nlaw,\nand\nwill have\nDC, DE, MA,\nMS,\nNE,\nNone\nthe\nto\naward\nto\naa party\nany\ndamages\nor\nother\nrelief\nNM,\nVT,\nWY\nWe\nwillPA,\nadd\nany\nReturned Payment\nany power\ncourt with\njurisdiction.\nThe arbitrator\xe2\x80\x99s\ndecision\nregarding\n$39.00) Fee to your Account\xe2\x80\x99s\nthe\npower\nto\naward\nto\nparty\nany\ndamages\nor\nother\nrelief\nNM,\nPA,\nVT,\nWY\nE.\nupon\narbitrator\xe2\x80\x99s\naward\nmayfor\nbe any\nentered\nin\nprovided\nfor\nunder\napplicable\nlaw.\nThe\narbitrator\nwill\nmake\nregular\nanyJudgment\nclaims\nwill\nbe the\nfinal\nand binding,\nexcept\nappeal\nOR balance.\n$35.00\nprovided\nfor\nunder\napplicable\nlaw.\nThe\narbitrator\nwill\nmake\nWe will add any Returned Payment\nFee to your Account\xe2\x80\x99s\nwith\njurisdiction.\nThe\narbitrator\xe2\x80\x99s\ndecision\nregarding\nany\naward\nin\nand,\nifif requested\nby\nyou\nor\nwill\nrightcourt\nunder\nFAA.\nThe appealing\nparty\nwill pay\nappeal\ncosts.\nany\naward\nin writing\nwriting\nand,\nrequested\nbythe\nyou\nor us,\nus,\nwill\nB.DC,\nLate\nPayment\nFee:\nIf we None\ndo not receive your minimum\nDE,\nMA,\nMS,\nNE,\nregular\nbalance.\nany\nclaims\nwill\nbe\nfinal\nand\nbinding,\nexcept\nfor\nany\nappeal\nprovide\na\nbrief\nstatement\nof\nthe\nreasons\nfor\nthe\naward.\nBuye\nS gna u e\nThis\nagreement\nto\narbitrate\nshall\nsurvive\nany\nsuspension,\npayment\nitsWY\ndue date (or within seven (7) days in VA;\nprovide\na brief\nstatement\nof theparty\nreasons\nforthe\ntheappeal\naward.costs.\nNM, PA,by\nVT,\nright\nunder\nFAA.\nThe appealing\ntermination,\nrevocation\nor closure\nofwill\nthepay\nAgreement\nor your\nB.\nLateten\nPayment\nFee:\nIf we\nnotDC,\nreceive\nyour\nwithin\n(10) days\nin Signature\nAL,\nAZ,do\nCO,\nFL, GA,\nHI, minimum\nID, IL, IN,\nE.\nJudgment\nupon\nthe\narbitrator\xe2\x80\x99s\naward\nmay besuspension,\nentered\nin\nBuyer\nThis\nagreement\narbitrate\nshall\nsurvive\nE.\nJudgment\nthe\narbitrator\xe2\x80\x99s\naward\nmay\nbe\nentered\nAccount,\nand upon\nanytobankruptcy\nto the\nextentany\nconsistent\nwith\npayment\nby\nits\ndue\ndate\n(or\nwithin\nseven\n(7)\ndays\nin WY;\nVA;\nKS,\nKY,\nMI,\nMN,\nMO,\nMT,\nNE,\nNJ,\nNY,\nOK,\nSC,\nWV,\nand\nWe\nwill\nadd\nany\nReturned\nPayment\nFee\nto\nyour\nAccount\xe2\x80\x99s\nany\ncourt\nwith\njurisdiction.\nThe\narbitrator\xe2\x80\x99s\ndecision\nregarding\nWe\nwill\nadd\nany\nReturned\nPayment\nFee\nto\nyour\nAccount\xe2\x80\x99s\ntermination,\nrevocation\nor closure The\nof thearbitrator\xe2\x80\x99s\nAgreementdecision\nor your\napplicable\nbankruptcy\nlaw.\nin\nany\ncourt\nwith\njurisdiction.\nwithin\nten\n(10)(15)\ndaysdays\nin AL,\nAZ,\nCO,\nDC,\nFL,\nGA,within\nHI, ID,twentyIL, IN,\nwithin\nfifteen\nin\nCA,\nME,\nand\nMA;\nSe e C ed regular\no\nbalance.\nany\nclaims\nwill\nbe\nfinal\nand\nbinding,\nexcept\nfor\nany\nappeal\nAccount, and any bankruptcy to the extent consistent with\nBuye\nregular\nbalance.\ngna SC,\nue\nKS,\nMN,inMO,\nNE, NJ,\nNY,S(30)\nOK,\none KY,\n(21)MI,days\nTX;MT,\nwithin\nthirty\ndaysWV,\nin and\nNC; WY;\nand\nF. If any\npart\nof this\nprovision\ncannot\nbe enforced,\nright\nunder\nFAA.\nThearbitration\nappealing\nparty\nwill pay\nthe appeal\ncosts.\napplicable\nbankruptcy\nlaw.\nB.\nLate\nPayment\nFee:\nIf\nwe\ndo\nnot\nreceive\nwithin\nfifteen\n(15)\ndays\nin\nCA,\nME,\nand\nMA;\nwithin\ntwentySeller-Creditor\nforty\n(40)\ndays\nin\nRI),\nwe\nwill\nimpose\nayour\nLateminimum\nPayment\nthe rest\nof the arbitration\nwill continue\nto Buyer\napply.\nSignature\nThis\nagreement\nto arbitrateprovision\nshall survive\nany suspension,\nBuyer\nSignature\npayment\nits in\ndueTX;\ndate\n(or within\n(7) days\nin and\nVA;\none (21) by\ndays\nwithin\nthirty seven\n(30) days\nin NC;\nF. If any part revocation\nof this arbitration\nprovision\nbe enforced,\ntermination,\nor closure\nof thecannot\nAgreement\nor your\nwithin ten\n(10)\ndays\ninin\nAL,\nAZ,we\nCO,\nDC,\nFL, GA,\nHI, ID,\nIL, IN,\nforty\n(40)\ndays\nRI),\nwill\nimpose\na\nLate\nPayment\nthe\nrest\nof\nthe\narbitration\nprovision\nwill\ncontinue\nto\napply.\nSe\nC MI,\ned o\nAccount, and any bankruptcy to the extent consistent with Ch\nemann\nV ceMO,\nP esMT,\nden NE,\nF nanc\nSe OK,\nv cesSC, WV, and WY;\nKS,seKKY,\nMN,\nNJ,aNY,\n\nB. Late Payment Fee: If we do not receive your minimum\nWe will add any Late Payment Fee to your Account\xe2\x80\x99s regular\npayment by its due date (or within seven (7) days in VA;\nbalance.\nwithin ten (10) days in AL, AZ, CO, DC, FL, GA, ID, IL, IN,\n12. Security Interest: You grant us a purchase money\nKS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;\nsecurity interest in each item of merchandise purchased\nwithin fifteen (15) days in CA, ME, and MA; within twenty-one\non your Account to secure its unpaid purchase price\n(21) days in TX; within thirty (30) days in NC; and within forty\n(except in CT, MO (on any purchase under $150.00), and\n(40) days in RI), we will impose a Late Payment Fee. The\nNY (on any purchase under $200.00)) until such item\nFee. The maximum\nset forthThe\nbelow.\nThe feegenerally\ncharged\n12.merchandise\nSecurity Interest:\nYou\ngrant\nus\npurchase\nmoney\nmaximum\nfee is set fee\nforthis below.\nfee charged\nof\nis paidYou\nfor grant\nin\nfull us\n(inaaNY,\nnot to money\nexceed\nFee.\nThe\nmaximum\nfee\nis\nset\nforth\nbelow.\nThe\nfee\ncharged\n12.\nSecurity\nInterest:\npurchase\ngenerally\nwill\nbe the\nhighest\namountby\npermitted\nbymeans\nlaw. This\nsecurity\ninterest\nin each item\nof merchandise\npurchased\nwill\nbe thewill\nhighest\namount\npermitted\nlaw. Thisby\nthat\nfive\n(5)\nyears\nfrom\ndate\nthe\npurchase\nis\nposted\nto\nyour\ngenerally\nbe\nthe\nhighest\namount\npermitted\nlaw.\nThis\nsecurity\ninterest\nin\neach\nitem\nof\nmerchandise\npurchased\nmeans\nthat\nthe fee\ngenerally\nwillthe\nnotamount\nexceed thethe\namount\nof\non your Account to secure its unpaid purchase price\nthe\nfee that\ngenerally\nwillgenerally\nnot exceed\nrequired\nAccount).\nSolely\nfor(on\npurpose\ndetermining\nthe extent\nmeans\nthe\nfee\nwilldue\nnotimmediately\nexceed of\nthe prior\namount\nof\non\nyourinAccount\ntothesecure\nitsofunpaid\npurchase\nprice\nthe\nrequired\nminimum\npayment\nto\nthe\n(except\nCT,\nMO\nany\npurchase\nunder\n$150.00),\nand\nminimum\npayment\ndue\nimmediately\nprior toThe\nthe fee\nassessment\nFee.\nThe maximum\nfeepayment\nis set forth\nbelow.\ncharged\n12.\nSecurity\nInterest:\nYou\ngrant\nusunder\na in\npurchase\nmoney\nthe\nrequired\nminimum\nduethe\nimmediately\nprior\ntolate,\nthe\n(except\ninany\nCT,purchase\nMO\n(on any\npurchase\n$150.00),\nand\nof\nmoney\nsecurity\ninterest\neach\nsuch\nitem\nassessment\nof\nthethe\nfee.\nIn\naddition,\nfirst\ntime\nyou\npay\nNYour\n(onpurchase\nunder\n$200.00))\nuntil\nsuch\nitem\nof\nthe\nfee.\nIn\naddition,\nthe\nfirst\ntime\nyou\npay\nlate,\nthe\nfee\nwill\ngenerally\nwill\nbe\nhighest\namount\npermitted\nby\nlaw.\nThis\nsecurity\ninterest\nin\neach\nitem\nof\nmerchandise\npurchased\nassessment\nof exceed\nthe fee. $27.00.\nIn addition,\nthepay\nfirst\ntime\nyouduring\npay late,\nNY\n(on any purchase\nunder\n$200.00))\nuntil\nitem\nof\nmerchandise,\nyour\npayments\nallocated\nfirst\nto\nthe fee\nwill\nnot\nIf you\nlate\nagain\nthe\nof\nmerchandise\nis\npaid\nfor inits\nfullwill\n(inbeNY,\nnot such\nto exceed\nnot\nexceed\n$28.00.\nagain\nduring\nnextmum\nsix\nmeans\nthatnot\ntheexceed\nfee generally\nnot\nexceed\nthethe\namount\nof La on\nyour\nAccount\nsecure\nunpaid\npurchase\nprice\nSIf$27.00.\nayou\ne paywill\nMax\ne Paymen\nFee is to\nthe\nfee\nwill\nIflate\nyou\npay\nlate\nagain\nduring\nthe\nof\nmerchandise\npaid\nfor\ninpurchase\nfullnext\n(in to\nNY,\nnotunpaid\nto to\nexceed\nany\nunpaid\ninsurance\npremium,\nany\nLate\nnext\nsix\nbilling\ncycles,\nthe\nfee\nwill\nnot\nexceed\n$37.00.\nfive\n(5)\nyears\nfrom\ndate\nthe\nis\nposted\nyour\nState\nMaximum\nLate\nPayment\nFee\nthe\nrequired\nminimum\npayment\nimmediately\ntheexcep(except\nbilling\nthe\nfeeAK\nwill\nnot\nexceed\n$39.00.\nCT,\n(on\nanythe\npurchase\nunder\n$150.00),\nand\nnext\nsixcycles,\nbilling\ncycles,\nthe\nfeeCT\nwilldue\nexceed\nAR\nHnotLA\nMD $37.00.\nM prior\n$37to00\n$29(5)\n00in\nhe MO\nfive\nyears\nfrom\ndate\npurchase\nis posted\ntoextent\nyour\nPayment\nFees,\nany\nunpaid\nReturned\nPayment\nFees,\nany\nAccount).\nSolely\nfor the\npurpose\nof determining\nthe\nassessment\nof the fee.\naddition,\nthe\nfirst\ntime\npay\nAK,\nCT,\nHI,\nLA,\nMD,\nMI,you$37.00\n(except\n$29.00\nif$249\nthepurchase\n(ons any\nunder\n$200.00))\nuntil such\nitem\nSae\nMax\nmum\nLa\ne Paymen\nFee\nMNInAR,\nMS\nNV\nNH\nNY\nND\nou\ns late,\nand\nng baNY\nance\n99money\nAccount).\nSolely\nfor\nthe\npurpose\nof\ndetermining\nthe\nextent\nunpaid\nInterest,\nand\nany\nother\nunpaid\nfees\nor\ncharges,\nof\nour\npurchase\nsecurity\ninterest\nin\neach\nsuch\nitem\nthe\nfee\nwill\nnot\nexceed\n$27.00.\nIf\nyou\npay\nlate\nagain\nduring\nthe\nState\nMaximum\nLate\nPayment\nFee\nMN,\nMS,\nNV,\nNH,\nNY,\nND,\noutstanding\nbalance\nis\n$249.99\nof\nmerchandise\nis\npaid\nfor\nin\nfull\n(in\nNY,\nnot\nto\nexceed\nOH M\nOR PA\no ess\nof\nour\nmoney\nsecurity in\ninterest\ninallocated\neach\nsuch\nitem\nAK AR CT H LA State\nMD\n$39SD\n00 W\nLate\nthen\ntopurchase\npay Fee\nofffrom\neach\nthebe\norder\nin which\nthe\nofPayment\nmerchandise,\nyourpurchase\npayments\nwill\nfirst\nto\nOH,\nOR,\nSD,\nWI\nor less)\nnext\ncycles,\nthe\nfee PA,\nwill\nnot exceed\n$37.00.Maximum\nfive\n(5)\ndate\nthe purchase\nisallocated\nposted\nto\nyour\nAK,\nAR,\nCT,\nLA,\nMD,\nMI,\n$39.00\nMNsix\nMSbilling\nNV HI,\nNH\nNY\nND\nof\nmerchandise,\nyour\npayments\nwill\nbe\nfirst\nto\n5% o amoun\npas\ndueyears\nbu\nno\nany\nunpaid\ninsurance\npremium,\nnext\nto\nany\nunpaid\nLate\npurchase\nwas\nmade.\nAK,\nAR,\nCT,\nHI,\nLA,\nMD,\nMI,\n$37.00\n(except\n$29.00\nif\nthe\nMN,\nNH, W\nNY, ND,\nOH MS,\nOR NV,\nPA SD\nAccount).\nSolely\nfor\nthe\npurpose\nof\ndetermining\nthe\nextent\n5%\nof\namount\npast\ndue\nbut\nnot\nany\nunpaid\ninsurance\npremium,\nnext Payment\nto any unpaid\nLate\nAL\nmo\ne han $37\n00 and\nessany unpaid\nPayment\nFees,\nReturned\nFees,\nany\nState\nMaximum\nLate\nPayment\nFee\nNY,\nND,\nbalance\nis no\n$249.99\nOH, OR, PA, SD, WIMN, MS, NV,\n13.\nDefault/Collection\nCosts:\nIf you\nfail\ntosuch\npay item\nany\nof\nour\npurchase\nmoney\nsecurity\ninterest\ninfees\neach\n5% NH,\no amoun\npas\ndue outstanding\nbu\nno$18\nAL\nmore\nthan00\n$37.00\nand\nnot\nlessany\nPayment\nFees,\nReturned\nPayment\nany\nhan\nunpaid\nInterest,\nandunpaid\nany\nother\nunpaid\norFees,\ncharges,\nOH, MI,\nOR, PA,\nWI$39past\nor\nless)\nAK,\n$39.00\n5%\nof\ndueno\nbut\nnot\nAL AR, CT, HI, LA, MD,\nmo SD,\ne amount\nhan\n00 and\ness\nminimum\npayment\nwhen\ndue,\nor\nif\nthe\nprospect\nof\nmerchandise,\nyour\npayments\nwill\nallocated\nfirstthe\nto\nthan\n$18.00\nunpaid\nand purchase\nany\nother inunpaid\nfees\ncharges,\n$10\n00\nexcepof\n$5\n00\nhe off each\nthen\nto Interest,\npay\nthebeorder\ninorwhich\nMN,\nAL MS, NV, NH, NY, ND,\nmore\nthan00\n$39.00 and not\nless\nhan $18\n5%\nof amount\npast\ndue\nbut\nnoteach purchase\npayment,\nperformance,\nor\nrealization\nof\ncollateral\nis\nany\nunpaid\ninsurance\npremium,\nnext\nto\nany\nunpaid\nLate\n$10.00\n(except\n$5.00\nif\nthe\nthen\nto\npay\noff\nin\nthe\norder\nin\nwhich\nthe\nm\npaymen\ns $5 was\n00 omade.\npurchase\nOH, OR, PA, SD, WI AZ KS than\n$18.00\n$10 00\nexcep $5 00 more\nhen mum\nAL\nthanpayment\n$37.00\nand\nnot\nless\nsignificantly\nimpaired,\nto theReturned\nextent permitted\nby applicable\nPayment\nFees,\nany unpaid\nPayment\nFees, any\nAZ,\nKS\nminimum\nis\n$5.00\nto\npurchase\nwas\nmade.\n$25\n00\n$10.00\n(except\n$5.00\nif the\nAZ KS\nm nof\nmum\npaymen\ns $5\n00 not\no\n5%\namount\npast\ndue\nbut\nthan\n$18.00 unpaid\nlaw\nwill\nbe a default,\nand,\nsubject\nto any\nyou\n13. itDefault/Collection\nCosts:\nIf you\nfailright\nto\npay may\nany\nInterest,\nand any\nother\nunpaid\nfees\nor charges,\n$25.00)\nCA CO DC\nAthanpayment\n$15\n$25 00\nAZ, KS\nminimum\nis $5.00\nto00\nAL\nmore\n$39.00 and\nnot\nless\n13.\nDefault/Collection\nCosts:\nyou\nfail in\npay such\nany\nminimum\nwhen\ndue,notice\nifof\nthe\nprospect\nof\nhave\nunder\nstate\nlaw to\nreceive\nand\nto\ncure\n$10.00\n$5.00\nifpay\nthepayment\nto\noff each\npurchase\ninIfor\nthe\norder\nwhich\nthe\nCA,\nCO,\nDC,\nIA\n$15.00\n$25.00)\nCA CO DC\n$15 VT\n00\nthan\n$18.00\nDE NM TN\nNone (exceptthen\nminimum\npayment\nwhen\norunpaid\nif the\nprospect\nof\npayment,\nperformance,\nordue,\nrealization\nofbalance\ncollateral\nis\nAZ,\nminimum\npayment\nis $5.00\ntomade.\npurchase\nwas\ndefault,\nwe\nmay\ndeclare\nthe\nentire\non the\nCA,\n$15.00\nDE CO,\nNM DC\nTN VT\nNone\nDE,KS\nNM,NJ\nTN,\nVT(except $5.00 if the\nNone\n$10.00\nFL\nMT\nTX\n$10 00\npayment,\nperformance,\nor(except\nrealization\nof\ncollateral\nis\nsignificantly\nimpaired,\nto the\nextent\npermitted\nby\napplicable\n$25.00)\nAccount\ndue\nand\npayable\nin\nWI\nyou\nwill\nnot\nbe\nDE,\nNM,NJ\nTN,TX\nVT\nNone\nFL KS\nMT\n$10\n00\nAZ,\nminimum\npayment\nis\n$5.00\nto\nFL,\nMT,\nNJ,\nTX\n$10.00\nGA\n$25 00\n13.\nCosts:\nIfa permitted\nyou\nfailright\nto\npay\nany\nsignificantly\nimpaired,\nthe\nextent\nby\napplicable\nlawdefault\nitDefault/Collection\nwill be\na default,\nsubject\nto any\nyou may\nCA,\n$15.00\nin\nuntil\nyou failtoand,\nto\nmake\nminimum\npayment\non\nGA MT, NJ, TX\n$25IA\n00\nFL,\n$10.00\n$25.00)\nGA CO, DC,\n$25.00\nminimum\npayment\nwhen\ndue,\nor\nif\nthe\nprospect\nof\nlaw\nit\nwill\nbe\na\ndefault,\nand,\nsubject\nto\nany\nright\nyou\nmay\nhave\nunder\nstate\nlaw\nto\nreceive\nnotice\nof\nand\nto\ncure\nsuch\nGA\n$25.00\nCA,\n$15.00\nA CO, DC\n$30\n00\ntwo\noccasions\nwithin\na\ntwelve\n(12)\nmonth\nperiod).\nWe\nDE, NM, TN, VT\nNone\nG ea e o 5%payment,\no amoun\npas\nperformance,\nor entire\nrealization\nofbalance\ncollateral\nis\ndefault,\nwerepossess\nmay declare\nthe\nunpaid\non\nthe\nhave\nunder\nstate\nlaw to\nreceive\nnotice\nof and\nto cure\nsuch\nDE,\nNone\nIA NM, TN, VT\n$30.00\nalso\nmay\nany\narticle\nof\nmerchandise\nin\nwhich\nG TX\nea e o 5% o amoun$10.00\npas\nFL,\nMT,\nNJ,\n00significantly\nD\ndue o $15\n00\nno we\no past\nGreater\nof 5%\nofbuamount\nAccount\ndue\nand\npayable\n(except\nin WI\nyou\nnot\nbe\nimpaired,\nto the\nextent\nbywill\napplicable\ndefault,\nmay\ndeclare\nthe\nentire permitted\nunpaid\nbalance\nononly\nthe\nFL,\n$10.00\nD MT, NJ, TX\ndue\no\n$15\n00\nbu\nno\no\nwe\nstill\nretain\na\nsecurity\ninterest,\nbut\nwe\nwill\ndo\nso\nGreater\nof\n5%\nof\namount\npast\nGA\n$25.00\nexceed\n$37.00)\nin\ndefault\nuntil\nyoupayable\nfail and,\nto make\na minimum\npayment\non\nID\nor $15.00\n(but\nto\nAccount\ndue\n(except\nintoWI\nwill\nnotmay\nbe\nlaw\nitnot\nwill\nbe\naand\ndefault,\nsubject\nanyyou\nright\nyou\nexceed\n$39 00(but not todue\nGA\n$25.00\nID\ndue\nor $15.00\nin\nthe\nmanner\nand\nto the\nextent\npermitted\nbyperiod).\napplicable\ntwo\noccasions\nwithin\na\ntwelve\n(12)\nmonth\nWe\nexceed\n$37\nin\ndefault\nuntil\nyou\nfail\nto\nmake\na\nminimum\npayment\non\nhave\nunder\nstate\nlaw\nto\nreceive\nnotice\nof\nand\nto\ncure\nsuch\nG\nea\ne\no\n5%\no\namoun\npas\nexceed\n$39.00)\nG\nea\ne\no\n5%\no\namoun\npas\nIA\n$30.00\nlaw.\nIfmay\ntherepossess\nAccount\nisany\nreferred\ntoof\nan\nattorney\nwho\nis We\nnot\n00default,\nalso\narticle\nmerchandise\nin on\nwhich\ntwo\noccasions\na the\ntwelve\n(12)\nmonth\nperiod).\nof\nof\nmaywithin\ndeclare\nentire\nunpaid\nbalance\nthe\nL KY WYGreater\ndue\n00\nno we\no past\nL KY WY\ndue o $10\n00 of\nbuamount\nno oGreater\nGreater\nof 5%\n5%\nofbuamount\namount\npast\nof 5%\n5%\npasto $10\nGreater of\nof amount\npast\nour\nsalaried\nemployee\nand\nwe bring\na we\nsuitwill\nagainst\nyou\nto\n.00)\nwe\nstill\nretain\na\nsecurity\ninterest,\nbut\ndo\nso\nonly\nexceed\n$39\n00\nalso\nmay\nrepossess\nany\narticle\nof\nmerchandise\nin\nwhich\nID\ndue\nor\n$15.00\n(but\nnot\nto\nexceed\n$37\nAccount\ndue\nand\npayable\n(except\nin\nWI\nyou\nwill\nnot\nbe\nIL, KY, WYdue\n$10.00\nIL, KY, WY\ndue or\nor $15.00\n$10.00 (but\n(but not\nnot to\nto\nID\ncollect\nthe\namount\nyou\nowe,\nin\naddition\nto\nthe\nfull\namount\nin\nthe\nmanner\nand\nto\nthe\nextent\npermitted\nby\napplicable\nwedefault\nstill retain\nsecurity\nwe willpayment\ndo so only\nN\n$19 00 $39.00)\nexceed\nexceed\n$39.00)\nuntil\nfail tointerest,\nmake a but\nminimum\non\ns ayou\nN\n$18 50 $37 in\nexceed\nowed\ncourt\ncosts,\nyou\nagree\npay our\nreasonable\nlaw.\nIfand\ntheany\nAccount\nis the\nreferred\nto(12)\nantoattorney\nwho\nis We\nnot\nin\nthe\nmanner\nto\nextent\npermitted\nby\napplicable\nLesse o 5% o amoun Greater\npas\noccasions\nwithin\na twelve\nmonth\nperiod).\nIN\n$19.00\n5%otwo\nofamoun\namount\npast\nst and\nIN\nLesse\npa\nGreater\nof 5% of amount$18.50\npast oof5%\nME\nattorney\xe2\x80\x99s\nfees\nto\nthe\nextent\npermitted\nby\napplicable\nlaw.\nour salaried\nemployee\nand\nwe bring\naattorney\nsuit against\nto\nME\ndue o $10\n00of amount past\nlaw.\nIf\nthe\nAccount\nisany\nreferred\ntoofan\nwho\nis not\nmay\narticle\nmerchandise\nin you\nwhich\nLesser\nof 5%\nIL, KY, WYdue\n(but\nnot\ntorepossess\ndue or\no $10.00\n$10 .00)\n00 also\nIL,\nor $10.00\n(but not todue\nLesser\namount\npa\nMEKY, WY\nNotice\nto\nNew\nHampshire\nResidents:\nWewill\nwill\npay\nyour\ncollect\nthe\namount\nyouand\nowe,\nin bring\naddition\nto\nthe\nfull\namount\nLesse\no$39.00)\n10% o ou s and\nng of 5% of\nour\nsalaried\nemployee\nwe\na we\nsuit\nagainst\nyou\nto\nME\ndue\nor $10.00\nwe\nstill\nretain\na\nsecurity\ninterest,\nbut\ndo\nso\nonly\nexceed\nexceed\n$37\nMA\nLesse\no\n10%\no\nou\ns\nand\nng\ndue or $10.00 reasonable\nba anceofo10%\n$10of\n00outstanding\nowed\nand\ncourt\ncosts,\nyou\nagree\nto pay\nreasonable\nattorney\xe2\x80\x99s\nfees\nif in\nyou\nprevail\nin the\naour\nsuit\nwe\nbring\nMA\ncollect\ntheany\namount\nowe,\naddition\nto\nfull\namount\nLesser\nthe\nmanner\nand you\nto\nthe\nextent\npermitted\nby\napplicable\nIN\n$19.00\nba\n$10in\n00\nMA\nst if\nIN\nLesser\nof\noutstanding\nattorney\xe2\x80\x99s\nfees\ntoyou\nthe\nextent\nbybring\napplicable\nlaw.\n$10 00 excep\n$5 00 $18.50\nhe anceofo10%\nagainst\nyou\nor\nprevail\ninpermitted\natosuit\nyou\nagainst\nus\nbalance\nor $10.00\nowed\nand\nany\ncourt\ncosts,\nyou\nagree\nto\npay\nour\nreasonable\nMA\nlaw.\nIf\nthe\nAccount\nis\nreferred\nan\nattorney\nwho\nis\nnot\nLesser\nof 5%\nof amount\npast\n$10\n$5\n00this\nhe\nbalance\nor5%\n$10.00\nMO\nm n mum\npaymen\ns $5\n00 o00 ofexcep\nLesser\nof\namount\nNotice\nto pa\nNew\nHampshire\nResidents:\nWeapplicable\nwill pay\nyour\nME\nunder\nAgreement.\nIf\nyou\nsuccessfully\nassert\na\npartial\nattorney\xe2\x80\x99s\nfees\nto\nthe\nextent\npermitted\nby\nlaw.\n$10.00\n(except\n$5.00\nif\nthe\nour\nsalaried\nemployee\nand\nwe\nbring\na\nsuit\nagainst\nyou\nto\nME\ndue\nor\n$10.00\n$24\n99\nMO\nm ntomum\npaymen\ns $5\n00\no Hampshire\nreasonable\nattorney\xe2\x80\x99s\nfeesthe\nif you\nprevail\ninwithhold\na suit pay\nwepart\nbring\ndue\nor $10.00\n$10.00\n(except\n$5.00\nifor\nthe\nMO\nminimum payment is $5.00\ndefense\ncounterclaim,\ncourt\nmayto\nor\nNotice\nto\nNew\nWe\nyour\ncollect\nthe\namount\nyou\nowe, Residents:\nin\naddition\nthewill\nfull\namount\nLesser\nof amoun\noutstanding\n$24\nG ea e ofo 10%\n5% o\npas99 of payment\nagainst\nyou\nor\nif\nyou\nprevail\nin\na\nsuit\nyou\nbring\nagainst\nus\nMA\n$24.99)\nMO\nminimum\nis\n$5.00\nto\nLesser\n10%\nof\noutstanding\nreasonable\nattorney\xe2\x80\x99s\nfees\nif\nyou\nprevail\nin\na\nsuit\nwe\nbring\nall\nof\nany\nattorney\xe2\x80\x99s\nfees\nto\nwhich\nwe\nmay\nbe\nentitled.\nbalance\nor\n$10.00\nowed\nand\nany\ncourt\ncosts,\nyou\nagree\nto\npay\nour\nreasonable\nMA\nNE\ndue o $5 00 bu no o exceed\nunder\nthis\nAgreement.\nIf youinsuccessfully\nassert\na partial\nGpast\nea e or\no 5%\no amoun\npas\n$24.99)\nGreater of 5% of amountbalance\n$10.00\nagainst\nyoufees\nor iftoyou\na suit\nyou\nbring\nagainst\nus\nattorney\xe2\x80\x99s\ntheprevail\nextent\nbywithhold\napplicable\nlaw.\n$10.00\n14.\nDown\nPayments,\nLimiting\nYour\nCredit,\nor\nClosing\n$39 00 (except $5.00 if the\ndefense\ncounterclaim,\nthepermitted\ncourt\nmay\npart\nor\nNE\ndue o $5\n00\nbu\nno\noorexceed\nNE\ndue or $5.00 (but not to exceed\nunder\nthis\nAgreement.\nIf\nyou\nsuccessfully\nassert\na\npartial\nGreater\nof\n5%\nof\namount\npast\n$10.00\n$5.00\nif the\nMO\nminimum\npayment\nis $5.00\nto (exceptNotice\nto\nNew\nHampshire\nResidents:\nWe\nwill\npay\nyour\nYour\nAccount:\nYou\nhave\nthe\nright\nto\nclose\nyour\nAccount\n$10\n00\nexcep\n$5\n00\nhe\nall\nof\nany\nattorney\xe2\x80\x99s\nfees\nto\nwhich\nwe\nmay\nbe\nentitled.\n$39.00)\n$37\n00\ndefense\ncounterclaim,\ncourt\npart\nor\nNE\ndue or $5.00\n(but\nnot\ntoorexceed\n$24.99)\nMO\nminimum\npayment\nis time,\n$5.00\nto any reason.\nNC\nou s and ng ba ance s unde\nreasonable\nattorney\xe2\x80\x99s\nfeesthe\nif you\nprevail\na suit\nbring\natance\nany\nfor\nYou\nwillmay\nstillinwithhold\nbe\nliablewefor\nany\nbaall\ns unde\n$10.00\n$5.00 if the\n$10\n$5ofDown\n00\nhe\nany\nattorney\xe2\x80\x99s\nfees\nto which\nweyou\nmay\nbe\nentitled.\n$37.00)\n$100 00(except\nGreater\nof 5% of amount$24.99)\npast00 excepagainst\n14.\nPayments,\nLimiting\nYour\nCredit,\nor\nClosing\nyou\nor ifWe\nyoumay\nprevail\ninora terminate\nsuit\nbring\nagainst\nus\nbalances\nowed.\nlimit\nthe\nuse\nof\nyour\nNC\noutstanding\nbalance\nis\nunder\nNC\nou\ns and\nng balance\nisif under\nNE\ndue\n$5.00\nThe or\ng ea\ne o(but\n5%not\no to\nheexceed\nunpa\nd (except\nYour\nAccount:\nYou\nhave\nthe\nright\nto close\nyour\n$10.00\nthe\nunder\nthis\nAgreement.\nIf\nyou\nsuccessfully\nassert\npartial\nGreater\nof$5.00\namount\npast\n$100.00)\nAccount\nand/or\nraise\nor\nlower\nyour\ncredit\nlimit\nat\nany\nDown\nPayments,\nLimiting\nYour\nCredit,\nor aAccount\nClosing\n$100\n00of 5% 14.\n$39.00)\nOK\namoun o he ns a menoutstanding\no\nat\nany\ntime,\nfor\nany\nreason.\nwill\nstill\nbenotice\nliableAccount\nforyou.\nany\nNC\ndefense\ncounterclaim,\ntheYou\ncourt\nmay\nwithhold\npart\nor\nNE\ndue\nor\n$5.00\n(but\nnot\ntoorexceed\ntime and\nfor\nany\nreason\nwithout\nadvance\nto\nThe\ngreater\nof\n5% of the\nunpaid\nYour\nAccount:\nYou\nhave\nthe\nright\nto\nclose\nyour\n$25\n00\nno\no\nexceed\n$39\n00\nThe\ng ea e o all\n5%\noany\nheowed.\nunpa We\nd may\n$10.00\n$5.00 if the\nbalances\nlimit\nor require\nterminate\nthe\nuse\nof your\n$100.00)\nofsome\nattorney\xe2\x80\x99s\nfees\nto\nwhich\nwe still\nmay\nbe\nentitled.\n$37.00)\nOK\namount(except\nof the installment\nor\nOn\ntransactions,\nwe\nmay\na\ndown\npayment.\nat\nany\ntime,\nfor\nany\nreason.\nYou\nwill\nbe\nliable\nfor\nany\n37o00 raise or lower your credit limit at any\nR\n$12 00\nNC\noutstanding\nbalance\nunder\nOK\namoun o he Account\nns a menand/or\n$25.00 (not to\nexceedis $39.00)\nbalance\nThe\ngreater\nof balances\n5%\nof is\nthe\nunpaid\nSome\npurchases\nrequire\nprior\nauthorization,\nin\nowed.\nWewill\nmay\nlimit orour\nterminate\nthe use\nof your\n$5.00\nif under\nthe\n$100.00)\n5% o amoun pas due $10.00\nbu no\n$24\n50 (except\nno o 14.\nexceed\nDown\nPayments,\nLimiting\nCredit,\nor Closing\ntime\nand$37.00)\nfor\nany reason\nwithoutYour\nadvance\nnotice\nto you.\nRI\n$12.00\nOK\namount\nof\nthe\ninstallment\noryou\nwhich\ncase\nmay\nbe\nasked\nto\nprovide\nidentification.\nAccount\nand/or\nraise\nor\nlower\nyour\ncredit\nlimit\nat\nany\nNC\noutstanding\nSC\nmo\ne\nhan\n$18\n50\nand\nno\ness\nThe\ngreater\nof past\n5% ofdue,\nthe $12\nunpaid\nAccount:\nYou havewethemay\nright\nto close\nyourpayment.\nAccount\nbu no\nR\n00 (not to Your\nOn\nsome\ntransactions,\nrequire\na down\n5%\namount\nbut\nnot\n$24.50\nexceed\n$ for\nhanof$7\n40the installment\ntime\nand\nany reason\nwithout\nadvance\nto\n$100.00)\nIf\nour\nauthorization\nsystem\nis will\nnot\nworking,\nmay\nOK\namount\nof\nor\n18at\n00\nand\nno for\nessany\nSome\npurchases\nwill\nrequire\nour\nprior\nauthorization,\nin\nany\ntime,\nreason.\nYou\nstill\nbenotice\nliablewe\nforyou.\nany\n5%\no amoun\npas\ndue\nSC\nmore than\n$18.50 and not\nless\nbut\nnot\nRI\n$12.00\nOn\nsome\ntransactions,\nwe\nmay\nrequire\na\ndown\npayment.\nG\nea\ne\no\n5%\no\namoun\npas\nnot\nbe\nable\nto\nauthorize\na\ntransaction,\neven\nif\nyou\nhave\n$25.00\n(not to exceed $39.00)\nThe\ngreater\nof\n5%\nof\nthe\nunpaid\nwhich\ncase\nyou\nmay\nbe\nasked\nto\nprovide\nidentification.\nbalances\nowed.\nWe\nmay\nlimit\nor\nterminate\nthe\nuse\nof\nyour\nthan\n$7.40\nSC\nmo e han $18.00\nUT\ndue\no\n$30\n00\nbu\nno\no\nand\nnot\nless\nSome\npurchases\nwill\nrequire\nprior\nin\nsufficient\navailable\ncredit.\nWe our\nwill\nnotcredit\nbeauthorization,\nliable\n5%\nof amount\npast\ndue,\n37.00)\nRI\n$12.00\nOK\namount\ninstallment\nor\nIf\nour\nauthorization\nsystem\nis your\nnot\nworking,\nweatyou\nmay\nand/or\nraise\nor asked\nlower\nlimitto\nanyif\nhan\n20the Account\nGreater\nof 5%\npast $7 of\nexceed $39\n00of amountmore\nwhich\ncase\nyou\nmay\nto provide\nidentification.\nSC\n$to time\nthis\nhappens.\nWe\nare be\nnotwithout\nresponsible\nfor\nthe\nrefusal\nof\n5%\nof\namount\npast\ndue,to$24.50\nbut notthan\n(not\nexceed\n$\nnot\nbe\nable\nto\nauthorize\na\ntransaction,\neven\nif\nyou\nhave\nUT\ndue\nor\n$30.00\n(but\nnot\nand\nfor\nany\nreason\nadvance\nnotice\nto\nyou.\nG less\neabu\ne o 5%Ifo our\namoun\npas\n5% o than\namoun\no ns\na not\nmen\nauthorization\nsystem\nnot\nworking,\nweyou\nmay\nthan\n$7.20\nSC\nmore\n$18.50\nand\nanyone\ntotransactions,\naccept\nor\nhonor\na is\nCard\nassociated\nwith\nthisif\nVA\nsufficient\navailable\ncredit.\nWe\nwill\nnot\nbe\nliable\nto\nexceed\n$39.00)\nbut\nnot\nRI\n$12.00\nOn\nsome\nwe\nmay\nrequire\na\ndown\npayment.\n00\nno o$7.40\nexceed $39 00 due o $30 00 not\nUT\nbu be\nnoable\no to authorize a transaction, even if you have\nthan\nAccount.\nAll\nCards\nwerequire\nissue\nremain\nourfor\nproperty\nand,in\nif\nthis\nhappens.\nWewill\nare\nnot\nresponsible\nthe refusal\nof\nGreater\nof 5%\nof amount\npast\n5%\ninstallment\n(but\n18.00\nand\nnot\nless\nSome\npurchases\nprior\n5%\nof\namount\npast\ndue,\nexceed\n$37\n$39of\n00amount\nexcep of10%\no he\nVA\nsufficient\navailable\ncredit.\nWea our\nwill\nbeauthorization,\nliable\ntotoyou\nif\nGreater\nof\n5%\nof\namount\npast\n.00)\nrequested,\nyou\nagree\nto asked\nreturn\nanynot\nCard\nissued\nyou.\nanyone\nto\naccept\nor\nhonor\nCard\nassociated\nwith\nthis\nnot\nto\nexceed\n$39.00)\nUT\ndue\northan\n$30.00\n(but 00\nnot\nwhich\ncase\nyou\nmay\nbe\nto\nprovide\nidentification.\nave age da y ba ance omore\np\no\nSC\n$\n5% o amoun this\no ns\na men\nbu are\nhappens.\nWe\nnot\nresponsible\nfor\nthearefusal\nofif\nUT\ndue\nor $30.00 (but\ntoexceed\nAccount.\nCards\nwesystem\nissue\nremain\nour\nproperty\nmay,\natAllour\ndiscretion,\npermit\nyou\nto\nmake\npurchase\n$37 We\nVA\n$39.00\n10%not\nWA\n30 day (except\npe od bu\nnoof the\ness\nour\nauthorization\nnotassociated\nworking,\nweand,\nmay\nthan\nno han\no$7.20\nexceed If\n$37\nanyone\ntoofaccept\nor honor\na is\nCard\nwith\nthis\nexceed\n$39.00)\nrequested,\nyou\nagree\nto\nreturn\nany\nCard\nissued\nto\nyou.\naverage\nprior\nin\nexcess\nyour\nstated\ncredit\nlimit.\nIf\nwe\ndo\nso,\nthis\nwill\n.00)\n$2 00 daily\nhe babalance\nance sfor\ness\nhan\n5% of amount not\nof installment\n(but\nbe able\na transaction,\neven\nif youand,\nhaveif\nance\npto\noauthorize\nAccount.\nAll\nCards\nwe issue\nremain\nour\nproperty\nGreater\n5% ba\nof10%\namount\npast\nVA\n5%\nof 00\namount\ninstallment\n$37(but\n00 of\nexcep\no o\nhe\nWA\n30-day\nperiod,of\nbut\nnot less\nWe\nmay,\nat\nour\ndiscretion,\npermit\nyou\ntobemake\na purchase\n$100\nnot\npermanently\nincrease\nyour\ncredit\nlimit.\nTo request\nthe\nVA\nnotthan\nto exceed\n$37\nsufficient\navailable\ncredit.\nWe\nwill\nnotCard\nliable\ntotoyou\nif\n.00)\ness\nhan\nrequested,\nyou\nagree\nto\nreturn\nany\nissued\nyou.\nnot\nto exceed\n$39.00)is less\nUT\ndue\nor\n$30.00\n(but\nnot\nto\nave\nage\nda\ny\n$2.00,\nif\nthe\nbalance\nthan\nin\nexcess\nof\nyour\nstated\ncredit\nlimit.\nIf\nwe\ndo\nso,\nthis\nwill\n5% o amoun pas due bu no\nnames\nof\nour\nrelated\nbrand\njewelers,\nplease\ncall\nCustomer\nthis\nhappens.\nWe\nare\nnot\nresponsible\nfor\nthe\nrefusal\nof\nbalance\nfor\nprior\nWV\n$37.00\n(except\n10%\nofmanen\nthe\nWe\nmay,\nat\nour\ndiscretion,\npermit\nyou\nto\nmake\na\npurchase\n$100.00)\nWA\nexceed\n$37\n30\nday\npe\nod\nbu\nno\n$39.00\n(except\n10%\nof\nthe\nnot\npe\ny\nnc\nease\nyou\nc\ned\nm\nTo\neques\nhe\no exceed $30 00\nService\nat\n1-877-328-8334.\nless\nthan\naccept\nor honor\na Card associated\nwith\nthis\naverage\ndaily\n$100\nin\nexcess\nof\nyour\ncredit\nwe do\nthisome\nwill\naverage\ndaily balance\nfor5%\nprior\n$2\n00\nhe baanyone\nsto\ness\nhan\n.00)o\n5% of amount\npast due,\nbut\nnot\nnames\nou\ne a stated\ned b and\newelimit.\ne s If\np ease\ncaso,Cus\nof 00\namount\nofance\ninstallment\n(but\nWV\nAccount.\nAll\nCards\nwe0891\nissue\nand,the\nif\nVA\nWA\n30-day\nperiod,\nbut\nnot\nWA\n30-day\nperiod,\nbut\nnot\nless\nthan\nnot\npermanently\nyourremain\ncredit our\nlimit.property\nTo request\nto exceed $30.00\n5% to\no exceed\namoun $37\npasv ce\nduea bu\nno increase\nSe\n1\n866\n875\nnot\n$100.00)\nrequested,\nyou\nagreebrand\nto return\nany please\nCard issued\nto you.\n$2.00,\nbalance\nis\nless\nthan\nif the\nbalance\nis less\nthanif the\nnames\nof\nour\nrelated\njewelers,\ncall\nCustomer\nWe will add any LateWV\nPayment$2.00,\nFee to\nyour\nAccount\xe2\x80\x99s\no regular\nexceed\n$30\n00\nfor\npriordiscretion, permit you to make a purchase\n$37.00\n(exceptbalance\n10%\nofat\nthe\nWe\nmay,\natbut\nour\n$100.00)\n5% of amount\npast\ndue,\nnot\nService\n1-866-875-0891.\n11 19 2 39 PM\nbalance.\nthan stated credit limit. If we do so,7 this\nin excessless\nof your\nwill\nWe will add any LateWV\nPayment5%\nFee\nyour past\nAccount\xe2\x80\x99s\nof to\namount\ndue, average\nbutregular\nnot daily\nto\nexceed\n$30.00\nWV\n\n\x0c15. Change in This Agreement: To the extent permitted\nby law,ofwe\nchange\nterm please\nof thiscall\nAgreement,\nnames\nourmay\nrelated\nbrand any\njewelers,\nCustomer\nincluding\nany Annual Percentage Rate or fee, as well\nService\nat 1-877-328-8334.\nas add and/or subtract terms. We will furnish you notice\n15.\nChange\nThis\nTo the\nnames\nof ourinrelated\nbrand\nplease\ncall\nCustomer\nof the\nchange\nto\ntheAgreement:\nextentjewelers,\nrequired\nby extent\nlaw.\nIf permitted\npermitted\nby\nmay\nchange\nany terms\nterm ofmay\nthisatAgreement,\nService\natwe\n1-877-328-8334.\nby law,\napplicable\nlaw,\nany new\nour option\nincluding\nany\nAnnual\nPercentage\nRate\nor\nfee,\nas well\nbe applied\nto This\nany balance\nexisting\nthe Account\nat\n15.\nChange\nin\nAgreement:\nTowill\ntheon\nextent\npermitted\nas\nadd\nand/or\nsubtract\nterms.\nWe\nfurnish\nyou\nnotice\nthelaw,\ntimeweofmay\nchange,\nas any\nwellterm\nas of\nto this\nany Agreement,\nsubsequent\nby\nchange\nof\nthe change to the extent required by law. If permitted\ntransactions.\nincluding\nany Annual\nPercentage\nwell\nby applicable\nlaw, any\nnew termsRate\nmayoratfee,\nourasoption\nas\nadd\nand/or\nsubtract\nterms.\nWe\nwill\nfurnish\nyou\nnotice\n16.applied\nCredit Investigation:\nYouexisting\nauthorize\ninvestigate\nbe\nto any balance\nonus\ntheto Account\nat\nof\nthetime\nchange\nto the by\nextent\nrequired\nby law.\npermitted\nyour\ncredit\nobtaining\nconsumer\nreports\nand\nthe\nofhistory\nchange,\nas\nwell\nas\nto\nany Ifsubsequent\nby\nlaw, inquiries\nany new of\nterms\nmay at our\noption\nby applicable\nmaking direct\nbusinesses\nwhere\nyou\ntransactions.\nbe\napplied\nto any\nexisting\nhave\naccounts\nand balance\nwhere you\nwork. on\nWethe\nmayAccount\nrequestata\n16.\nCredit\nYou\nus tosubsequent\ninvestigate\nthe\ntime ofInvestigation:\nchange,\nwellauthorize\nas toreporting\nany\nconsumer\nreport\nfromas consumer\nagencies\nyour\ncredit history\nobtainingfor\nconsumer\nreports\ntransactions.\nin considering\nyour by\napplication\nthis Account\nor and\nany\nby\nmaking\ndirect\ninquiries\nof\nbusinesses\nwhere\nyou\nother\naccount\nyou have with\nus\nand later\nin investigate\nconnection\n16.\nCredit\nInvestigation:\nYou\nauthorize\nus\nto\nhave\naccounts\nand\nwhereextension\nyou work.\nmay\nrequest\na\nwith an\nupdate,\nrenewal,\nof We\ncredit\nor\ncollection\nyour\ncredit\nhistory\nby obtaining\nconsumer\nreports\nand\nconsumer\nreport\nfrom\nconsumer\nreporting\nagencies\nof\nthe\nAccount\nor\nany\nother\naccount\nyou\nhave\nwith\nus.\nby\nmaking direct\nof for\nbusinesses\nwhere\nin\nconsidering\nyourinquiries\napplication\nthis Account\nor you\nany\nUpon\nyour request\nwe\nwill you\ndisclose\nwhether\na consumer\nhave\naccounts\nand have\nwhere\nwork.\nWe\nmay\nrequest a\nother\naccount\nyou\nwith\nus\nand\nlater\nin\nconnection\nreport was report\nrequested\nandconsumer\nthe name reporting\nand address\nof any\nconsumer\nfrom\nagencies\nwith\nan update,\nrenewal,\nextension\nof credittheorreport.\ncollection\nconsumer\nreporting\nagency\nthat for\nfurnished\nWe\nin\nconsidering\nyour\napplication\nthis\nAccount\nor any\nof\nthe\nAccount\nor\nany\nother\naccount\nyou\nhave\nwith\nus.\nmay report\ninformation\nabout\nyour\nAccount\nto credit\nother\naccount\nyou\nhave\nwith\nus\nand\nlater\nin\nconnection\nUpon\nyour\nrequest\nwe\nwill\ndisclose\nwhether\na\nconsumer\nbureaus.\nLate renewal,\npayments,\nmissedofpayments,\nor other\nwith\nanwas\nupdate,\ncredit\nor collection\nreport\nandextension\nthe be\nname\nand\naddress\nof\nany\ndefaults\non requested\nyourorAccount\nmay\nreflected\non your\ncredit\nof\nthe Account\nany\nother\naccount\nyou the\nhave\nwith\nus.\nconsumer\nreporting\nagency\nthat\nfurnished\nreport.\nWe\nreport.your\nIf you\nbelieve\nthat disclose\nwe havewhether\nreporteda consumer\ninaccurate\nUpon\nrequest\nwe will\nmay\nreport\ninformation\nabout\nyour\nAccount\nto\ncredit\ninformation\nto a consumer\nagency,\nwrite to\nus\nat\nreport\nwas requested\nand reporting\nthe\nname payments,\nand address\nany\nbureaus.\nmissed\norofother\nGenesis FSLate\nCardpayments,\nServices,\nP.O.\nBox\n4485, the\nBeaverton,\nOR\nconsumer\nreporting\nagency\nthat\nfurnished\nreport.\nWe\ndefaults\non\nyour\nAccount\nmay\nbe\nreflected\non\nyour\ncredit\n97076-4485\nand we will investigate\nmatter. to credit\nmay\nreport\ninformation\nyourthe\nAccount\nreport.\nIf you\nbelieve thatabout\nwe have\nreported\ninaccurate\nbureaus.\nLate\nmissed\npayments,\n17. No Waiver\nby Us: Wereporting\nmay, without\nyou,\ninformation\nto apayments,\nconsumer\nagency,notice\nwriteortoother\nus\nat\ndefaults\nonrefrain\nyour\nmay\nreflected\non your\ndelay orFS\nfrom enforcing\nour\nrights\nundercredit\nthis\nGenesis\nCard Account\nServices,\nP.O.beBox\n4485,\nBeaverton,\nOR\nreport.\nIf you\nbelieve\nwe have\nreported\nAgreement\nwithout\nthem\n(e.g.,\nwe\nmay inaccurate\nextend the\n97076-4485\nand\nwelosing\nwillthat\ninvestigate\nthe\nmatter.\ninformation\ntosome\na consumer\nreporting\nagency,\nwritethe\nto us\nat\ntime to make\npayments\nwithout\nextending\ntime\n17.\nNo\nWaiver\nby\nUs:\nWe\nmay,\nwithout\nnotice\nto you,\nGenesis\nCard\nServices,accept\nP.O. Box\nBeaverton,\nOR\nto make FS\nother\npayments,\nlate4485,\nor partial\npayments\ndelay\nrefrain\nfrom\nenforcing\nour\nundermade\nthis\n97076-4485\nand our\nwe\nwill\ninvestigate\nthe rights\nmatter.\nwithoutorwaiving\nright\nto have future\npayments\nAgreement\nwithout\nlosing waive\nthem (e.g.,\nwe may\nextend\nthe\nwhen\nthey\nare\ndue,\nand/or\nany\ncharge\nor\nfee\nwithout\n17.\nNo\nWaiver\nby Us:\nWe may,\nwithout\nnotice the\nto you,\ntime\ntoour\nmake\nsome\npayments\nwithout\nextending\ntime\nlosing\nright\nto\nimpose\nthat\ncharge\nor\nfee\nwhen\nit\nis\ndelay\nor other\nrefrain\nfrom enforcing\nourorrights\nthis\nto\npayments,\naccept late\npartialunder\npayments\nduemake\nunder\nthis\nAgreement).\nAgreement\nwithout\nlosing\nthem\n(e.g.,\nwe\nmay\nextend\nthe\nwithout waiving our right to have future payments made\ntime\ntothey\nmake\npayments\nwithout\nextending\ntime\n18. Customer\nCommunications:\nExcept\nas or\nprohibited\nby\nwhen\naresome\ndue,\nand/or\nwaive\nany\ncharge\nfeethe\nwithout\nto\nmake\nother\naccept\nlateusormay\npartial\npayments\nlaw,\nyou\nagree\nthat\nyour calls\nbe monitored\nlosing\nour\nrightpayments,\nto impose\nthatwith\ncharge\nor\nfee\nwhen\nit is\nwithout\nwaiving\nour\nhave\nfuture\nand/or\nrecorded\nandright\nthattowe\n(and\nour payments\nsuccessorsmade\nand\ndue\nunder\nthis Agreement).\nwhen\ntheyor\nareanyone\ndue, and/or\nwaive\nany charge\nfee without\nassigns,\nacting\non our\nbehalf)ormay\ncontact\n18.\nCustomer\nCommunications:\nYou\nagree\nthat\nyour\nlosing\nourtime\nrighttototime\nimpose\nthat charge\nor fee when\nit is\nyou from\nregarding\nyour Account\n(including\ncalls\nwith us\nbe monitored\nthat\ndue\nthismay\nAgreement).\nfor under\ncollections\npurposes)\nandand/or\nmay recorded\nsuppressandcaller\nwe\n(or anyone You\nacting\non our\nbehalf)\nmay\ncontact\nyou\nidentification.\nfurther\nagree\nthat\nall\nof\nour\ncontacts\n18.\nCustomer\nCommunications:\nYou agree\nthat your\nfrom\ntime\nto\ntime\nregarding\nyour\nAccount\n(including\nfor\nwith with\nyou (or\nthe contacts\nby ourand/or\nagents,\nsuccessors\nand\ncalls\nuspurposes).\nmay\nbe monitored\nrecorded\nand\nthat\ncollections\nYou\nfurther\nagree\nthat\nall\nof\nour\nassigns\nwith you)\nmay on\nbe made\nvia email,\ntext\nmessages\nwe\n(or anyone\nacting\nour behalf)\nmaytext\ncontact\nyou\ncontacts\nwith\nyou\nmay dialing\nbe made\nviaannouncing\nemail,\nmessages\nor with\nan\nautomated\nand\nor similar\nfrom\ntime\nto\ntime\nregarding\nyour\nAccount\n(including\nfor\nor\nwithand/or\nan automated\ndialing\nand\nannouncing or\nsimilar\ndevice\nan artificial\nvoice\nor prerecorded\nmessage.\ncollections\npurposes).\nYou\nfurther\nagree that all\nof our\ndevice\nand/or\nan\nartificial\nvoice\nor\nprerecorded\nmessage.\nYou agreewith\nthatyou\nyoumay\nwillbe\nnotmade\nprovide\ntelephone\nnumber(s)\ncontacts\nvia email,\nYou\nalso agree\nthatnot\nwethe\nmay\ncontact\nyou\nattext\nany messages\ntelephone\nforwith\nwhich\nyou\nare\nsubscriber.\nYou\nalso\nagree\nthat\nor\nan\nautomated\ndialing\nand\nannouncing\nor\nsimilar\nnumber\nyou\nprovide\nto\nus,\neven\nif\nyou\nare\ncharged\nby\nwe (orand/or\nour agents,\nsuccessors\norprerecorded\nassigns) may\ncontact\ndevice\nan\nartificial\nvoice\nor\nmessage.\nyour\nservice\nprovider, whether\nayou\nresidential\nor\nbusiness\nyou also\nat\nany\ntelephone\nnumber\nprovide\ntotelephone\nus, even\nYou\nagree\nthat\nwe\nmay\ncontact\nyou\nat\nany\nnumber,\neven\nif that number\nis on aprovider,\nDo Not Call\nlist, isa\nif you are\ncharged\nservice\nwhether\nnumber\nyou\nprovideby\ntoyour\nus, even\nif you is\nareconverted\ncharged\nby\naresidential\nwireless,\ncellular\nor\nmobile\nnumber;\nto\nbusinesswhether\nnumber,aeven\nif that number\nis on\nyour\nserviceorprovider,\nresidential\nor\nbusiness\naa Do\nmobile/wireless\nnumber;\nor\nconnects\nto\nany\ntype\nof\nNot even\nCall list,\nis a wireless,\ncellular\nor mobile\nnumber;\nnumber,\nif\nthat\nnumber\nis\non\na\nDo\nNot\nCall\nlist,\nis\nmobile/wireless\ndevice.\nYou agree number;\nthat any consent\nyou\nis\nconverted\nto\na\nmobile/wireless\nor\nconnects\naprovide\nwireless,\ncellular\nor\nmobile\nnumber;\nis\nconverted\nto\nwill survive\ntermination device.\nof your Account.\nTo opt\ntomobile/wireless\nany type\nof mobile/wireless\nYou\nagree\naout\nnumber;\nor connects\nto any\ntypethat\nof\nthese contacts,\nyou may\ncall\nCustomer\nService\nat\nany ofconsent\nyou\nprovide\nwill\nsurvive\ntermination\nof\nmobile/wireless\ndevice.\nYou\nagree\nthat\nany\nconsent\nyou\n1-877-328-8334.\nyour\nAccount,\nand\nshall\ninure\nto\nthe\nbenefit\nof\nany\nof\nprovide will survive termination of your Account. To opt\nour of\nagents,\norAgreement\nassigns.\nTo\noptyour\nout\nof these\n19.\nGoverning\nLaw: This\nand\nAccount\nout\nthese successors\ncontacts,\nyou\nmay\ncall Customer\nService\nat\ncontacts,\nyou may\ncall Customer\nServicearising\nat 1-877-328and\nany claim,\ndispute,\nor controversy\nfrom or\n1-877-328-8334.\n8334. To stop receiving online communications that you\n19. Governing Law: This Agreement and your Account\nand any claim, dispute, or controversy arising from or\n418593-60004_Genesis-Jared New Rev3.indd 2\n94188_418593-60004_Genesis-Jared_r5.indd 2\n\npreviously selected, you must update your preferences by\nlogging to\ninto\nAccount management\nwebsite;\nwe cannot\nrelating\nthistheAgreement\nor your Account\nare governed,\nto\nmanage\npreferences\nforfederal\nyou. law and the law of the\nthe\nextentthose\napplicable,\nby U.S.\nstate\nof your billing\nwhen thisand\nAccount\nwas opened\n19. Governing\nLaw:address\nThis Agreement\nyour\nAccount\nand\nrelating\nto this Agreement\northe\nyour\nAccount\nare\ngoverned,\nto\nor,\nfor\nnon-U.S.\nresidents,\nlaw\nof\nthe\nstate\nwhere\nthe\nany extent\nclaim, applicable,\ndispute, or by\ncontroversy\narising\nfromthe\nor law\nrelating\nto\nthe\nU.S.\nfederal\nlaw\nand\nof\nthe\nAccount\nwas\nopened\n(without\nregard\nto\nconflicts\nof\nlaws\nthis Agreement\nor your\nAccount\nare\ngoverned,\nto\ntheopened\nextent\nstate\nof yourunless\nbilling\naddress\nwhen\nthis\nAccountthat\nwas\nprinciples),\nwe\nreceive\nwritten\nnotice\nyou\nhave\napplicable,\nby U.S.residents,\nfederal law\ntheoflaw\nof state\nthe state\nof your\nor,\nfor non-U.S.\ntheand\nlaw\nthe\nwhere\ntheIf\nmoved\nto another\nU.S.\nstate\npursuant\nto\nParagraph\n20.\nbilling address\nwhen\nthis\nAccount\nwas to\nopened\nor, for\nnonAccount\nwas\nopened\n(without\nregard\nconflicts\nofexcept\nlaws\nwe\nreceive\nnotice\nof\na\nchange\nin\nyour\nbilling\naddress,\nU.S. residents,\nthe we\nlawreceive\nof the state\nwhere\nthethat\nAccount\nwas\nprinciples),\nunless\nnotice\nyou\nhave\nfor\nany Annual\nPercentage\nRatewritten\n(and\nmonthly\nopened\n(without\nregard\ntostate\nconflicts\nof corresponding\nlaws\nprinciples),\nunless\nmoved\nto\nanother\nU.S.\npursuant\nto\nParagraph\n20.\nIf\nperiodic\nrate)\napplicable\nto\noutstanding\nbalance,\nthe\nwe receive\nreceive\nwritten\nnotice\nthatany\nyou\nmoved\nto another\nwe\nnotice\nofthe\na change\ninyour\nyourhave\nbilling\naddress,\nexcept\nterms\napplicable\nto\nstate\nof\nnew\nbilling\naddress\nwill\nU.S.any\nstate\npursuant\nto Paragraph\nIf we receive\nnotice\nfor\nPercentage\nRate\n(and20.\ncorresponding\nmonthly\napply\ntoAnnual\nall balances\nyour\nAccount\nafter\nwefor\nreceive\nof a change\ninapplicable\nyouron\nbilling\naddress,\nexcept\nany written\nAnnual\nperiodic\nrate)\nto\nany\noutstanding\nbalance,\nthe\nnotice\nof your\nnew(and\naddress. Any Annualmonthly\nPercentage\nRate (and\nPercentage\nRate\nrate)\nterms\napplicable\nto thecorresponding\nstate\nof your\nnew\nbillingperiodic\naddress\nwill\ncorresponding\nmonthly\nperiodic\nrate)\napplicable\nto\na\nbalance\napplicable\nany outstanding\nbalance,after\nthe terms\napplicable\nto\napply\nto all to\nbalances\non your Account\nwe\nwritten\noutstanding\npriornew\nto notification\nof a change\nin receive\nbilling\naddress\nthe state\nof your\nbillingAny\naddress\nwillPercentage\napply\nto allRate\nbalances\nnotice\nof\nyour\nnew\naddress.\nAnnual\n(and\nwill\ncontinue\nto apply\nsuch\nbalance\nuntilnotice\nit is paid\noff. new\non your\nAccount\naftertowe\nreceive\nwritten\nof ayour\ncorresponding\nmonthly\nperiodic\nrate)\napplicable\nto\nbalance\naddress.\nAny\nAnnual\nPercentage\nRate\n(and\ncorresponding\n20.\nChange\nof\nAddress\nor\nOther\nContact\nInformation:\nYou\noutstanding prior to notification of a change in billing address\nmonthly\nperiodic\nrate)\nto of\na balance\noutstanding\nagree\nto notify\npromptly\nwriting\nanyit changes\nto your\nwill\ncontinue\ntous\napply\nto applicable\nsuchinbalance\nuntil\nis paid\noff.\nprior toaddress,\nnotification\nof a change\nin billing\ncontinue\nbilling\nphone\nnumber,\nemail address\naddress,willand\nother\n20.\nChange\nof Address\norwe\nOther\nContact\nYou\nto apply\nto such\nbalance\nitreceive\nis paid\noff. Information:\ncontact\ninformation.\nUntiluntil\nwritten\nnotice of your\nagree\nto\nnotify\nus\npromptly\nin\nwriting\nof\nany\nchanges\nto\nyour\nnew\nbilling address\nor email\naddress,\nif youInformation:\nhave electedYou\nto\n20. Change\nof Address\nor Other\nContact\nbilling\naddress,\nphone number,\nemail\naddress,\nand billing\nother\nreceive\nelectronically,\nwill\ncontinue\nto send\nagree tonotices\nnotify us\npromptly\ninwe\nwriting\nof\nany changes\nto your\nyour\ncontact\ninformation.\nUntil\nwe\nreceive\nwritten\nnotice\nof\nstatements\nand other\nnotices\nto the\naddress\nwe have\non\nfile\nbilling\naddress,\nphone\nnumber,\nemail\naddress,\nand\nother\nnew\nbilling\naddress\nor email\naddress,\nif 19,\nyou\nhave\nelected\nto\nfor\nyour\nAccount.\nSubject\nto\nParagraph\nwe\ndeem\nyou\nto\ncontact notices\ninformation.\nUntil wewe\nreceive\nwritten to\nnotice\nofbilling\nyour\nreceive\nelectronically,\nwillon\ncontinue\nsend\nreside\nat\nthe\nbilling\naddress\nwe\nhave\nfile\nfor\nthe\npurpose\nof\nnew billing and\naddress\nornotices\nemail address,\nif you we\nhave\nelected\nto\nstatements\nother\nto\nthe\naddress\nhave\non\nfile\napplying\nterms that\nvary with your\nstate\nof residence.\nreceive\nnotices\nelectronically,\nwe\nwill\ncontinue\nto\nsend\nbilling\nfor your Account. Subject to Paragraph 19, we deem you to\nstatements\nother\nnotices\nto\ntheon\naddress\nhave\non file\n21.\nAssignment:\nWeaddress\nmay\nsell,\nor\nrights\nor\nreside\nat theand\nbilling\nwetransfer,\nhave\nfileassign\nforwe\ntheour\npurpose\nof\nfor your terms\nAccount.\nSubject\nto your\nParagraph\n19,\nwenotice\ndeem to\nyou\nto\nobligations\nunder\nAgreement\nwithout\nprior\nyou.\napplying\nthatthis\nvary\nwith\nstate of\nresidence.\nreside\nat not\nthe billing\naddressorwe\nhaveyour\non file\nfor the\npurpose of\nYou\nmay\nsell, transfer,\nassign\nrights\nor obligations\n21.\nAssignment:\nWevary\nmay\nsell, your\ntransfer,\nour rights or\napplying\nthat\nwith\nstateorofassign\nresidence.\nunder\nthisterms\nAgreement\nor your\nAccount.\nobligations under this Agreement without prior notice to you.\n21. Assignment:\nWe\nmay sell,\ntransfer,\norrights\nassign\nrights us\nor\n22.\nLiability\nfor transfer,\nUnauthorized\nUse:your\nYou\nagreeorour\ntoobligations\nnotify\nYou\nmay\nnot sell,\nor assign\nobligations\nunderCard\nthis or\nAgreement\nwithout\nprior\nto you.\npromptly\nyour\nis\nlost\nstolen,\nor of\nthe notice\nunauthorized\nunder\nthisifAgreement\nyourorAccount.\nYouof\nmay\nnotCard,\nsell, by\ntransfer,\nyour rights\nor obligations\nuse\nyour\nwritingortoassign\nus at Genesis\nFS Card\nServices,\n22.\nLiability\nforBeaverton,\nUnauthorized\nUse: You agree\nnotify\nunder\nthis4480,\nAgreement\nor your\nP.O.\nBox\nOR Account.\n97076-4480\nor by to\ncalling\nusus\nat\npromptly\nif\nyour\nCard\nis\nlost\nor\nstolen,\nor\nof\nthe\nunauthorized\n1-877-328-8334.\nIf\nyou\norally\ngive\nus\nnotice,\nyou\nagree\nto\n22. of\nLiability\nfor by\nUnauthorized\nUse:\nYou agree\nto Services,\nnotify us\nuse\nyour\nCard,\nwriting\ntobeusliable\nat Genesis\nFS Card\nconfirm\ninifwriting.\nYou\nuse of\npromptly\nyourBeaverton,\nCard\nismay\nlost\nstolen,for\norunauthorized\noforthe\nP.O.\nBox\n4480,\nORor97076-4480\nbyunauthorized\ncalling\nus at\nyour\nCard\nprior\nto\nyour\nnotification\nof\nus.\nYou\nwill\nnot\nbe liable\nuse\nof\nyour\nCard,\nby\nwriting\nto\nus\nat\nGenesis\nFS\nCard\nServices,\n1-877-328-8334.\nIf\nyou\norally\ngive\nus\nnotice,\nyou\nagree\nto\nfor\nuse that OR\noccurs\nafter youornotify\nus ofusthe\nP.O.unauthorized\nBoxin4480,\nBeaverton,\nby calling\nat\nconfirm\nwriting.\nYou mayuse\nbe97076-4480\nliable\nfor\nunauthorized\nuse of\nloss,\ntheft,\nor\nunauthorized\nand,\nin\nany\ncase,\nyour\nliability\n1-877-328-8334.\nIf you\norally give\nagree\nto\nyour\nCard\nprior to\nyour\nnotification\nof us\nus. notice,\nYou willyou\nnot be\nliable\nwill\nnot\nexceed\n$50.00.\nconfirm\nin writing.use\nYouthat\nmayoccurs\nbe liable\nforyou\nunauthorized\nusethe\nof\nfor\nunauthorized\nafter\nnotify us of\nyourAuthorized\nCard prior\nto\nyour notification\nofinus.\nYou\nwillyour\nnotCards\nbe\nliable\n23.\nUsers:\nYouuse\nmayand,\nrequest\nadditional\non\nloss,\ntheft,\nor unauthorized\nany\ncase,\nliability\nfor not\nunauthorized\nuse\nafter\nyou notify\nustoofhave\nthe\nyour\nAccount,\nyou that\nmay occurs\npermit an\nAuthorized\nUser\nwill\nexceedand\n$50.00.\nloss, theft,\nunauthorized\nand,\nanyare\ncase,\nyour liability\naccess\nto aor\nCard.\nHowever, use\nif you\ndo,inyou\nresponsible\nfor\n23.\nAuthorized\nUsers:\nYou\nmay request\non\nwillcharges\nnot exceed\n$50.00.\nall\nmade\nby the\nAuthorized\nUser,additional\nincludingCards\ncharges\nyour\nAccount,\nand\nyou\nmay\npermit\nan Authorized\nUser to have\nfor\nwhich\nyou\nmay\nnot\nhave\nintended\nto\nbe\nresponsible.\nYou\n23. Authorized\nUsers: You ifmay\nadditional\nCards for\non\naccess\nto a Card.\nyourequest\ndo, youUser\xe2\x80\x99s\nare responsible\nmust\nnotify\nusand\nto However,\nrevoke\nanpermit\nAuthorized\npermission\nto\nyour\nAccount,\nyouthe\nmay\nanUser,\nAuthorized\nUsercharges\nto have\nall\ncharges\nmade\nby\nAuthorized\nincluding\nuse\nyour\nAccount.\nIf\nyou\ndo\nso,\nwe\nmay\nclose\nthe\nAccount\nand\naccess\nto you\na Card.\nHowever,\nifintended\nyou do, you\nresponsibleYou\nfor\nfor\nwhich\nmayor\nnot have\nto beare\nresponsible.\nissue\na new\nCard\nwith\na different\nAccount\nnumber.\nall charges\nbyCards\nthe an\nAuthorized\nUser,\nincluding\ncharges\nmust\nnotify made\nus to revoke\nAuthorized\nUser\xe2\x80\x99s\npermission\nto\nfor which\nyou Lending\nmayIf not\nintended\nbe This\nresponsible.\nYou\n24.\nMilitary\nActso,\nCompliance:\nAgreement\nuse\nyour\nAccount.\nyouhave\ndo\nwe mayto\nclose\nthe Account\nand\nmust anotify\nus toor\nrevoke\nan\nAuthorized\nUser\xe2\x80\x99s\npermission\nto\nshall\nbenew\ninterpreted\nto comply\nwith the\nMilitary\nLending\nissue\nCard\nCards\nwith\na different\nAccount\nnumber.\nuse your\nAccount.\nIf you do so,onwepermissible\nmay close the\nAct,\nincluding\nits restrictions\nloanAccount\nterms and\n24.\nLending\nActwith\nCompliance:\nThis opened\nAgreement\nissueMilitary\na newon\nCard\nor Cards\na different\nAccount\nnumber.on\nlimitations\ninterest\nand\nfees.\nFor Accounts\nshall\nbe October\ninterpreted\nto comply\nwitha the\nMilitary\nLending\nor\nafter\n3,\n2017,\nif\nyou\nare\nCovered\nBorrower\nas\n24. including\nMilitary its\nLending\nAct on\nCompliance:\nThis\nAgreement\nAct,\nrestrictions\npermissible\nloan\nterms\nand\ndetermined\nin\naccordance\nwith\nthe\nsafe\nharbor\nprovisions\nin\nshall\nbe\ninterpreted\nto\ncomply\nwith\nthe\nMilitary\nLending\nlimitations\nonLending\ninterestActand\nfees.\nFor Accounts regulations:\nopened on\nthe\nMilitary\nand\nits\nimplementing\nAct,after\nincluding\nits3,restrictions\non are\npermissible\nloan\nterms and\nor\nOctober\n2017, arbitration\nif you\nashall\nCovered\nBorrower\nas\n(a)\nSection\n10 interest\nregarding\nnot apply\nto you;\nlimitations\non\nandwith\nfees.\nAccounts\nopened\non\ndetermined\nin accordance\ntheofFor\nsafe\nharbor\nprovisions\nin\n(b)\nany\ninterest\nor\nfees\nin\nexcess\nthe\npermitted\nlimit\nshall\nor after\nOctober\n3, 2017,\nif you\nare\na Covered Borrower\nas\nthe\nMilitary\nLending\nAct\nand\nits\nimplementing\nregulations:\nbe\nreduced inbyaccordance\nthe amount\nnecessary\nto satisfy\nthat limit\ndetermined\nwith\nthe safe\nharbor\nprovisions\nin\n(a)\nSection\n10 regarding\narbitration\nshall\nnotpermitted\napply\nto you;\nand\nany amounts\ncollected\nin its\nexcess\nof the\nlimit\nthe any\nMilitary\nLending\nimplementing\n(b)\ninterest\nor feesAct\nin and\nexcess\nof\nthe permittedregulations:\nlimit shall\nbe reduced by the amount necessary to satisfy that limit\nand any amounts collected in excess of the permitted limit\n\n(a) Section 10 regarding arbitration shall not apply to you;\nshall\nbeinterest\nrefunded\nyour\nAccount\nor by\nmaking\n(b) any\nor by\nfeescrediting\nin excess\nof the\npermitted\nlimit\nshall\nabedirect\npayment\nto you;\nandnecessary\n(c) any other\nprovision\nthis\nreduced\nby the\namount\nto satisfy\nthatof limit\nAgreement\nthat is inconsistent\nwith theofMilitary\nLendinglimit\nAct\nand any amounts\ncollected in excess\nthe permitted\nshall\nbe\nrefunded\nby crediting\ncrediting your\nyourAccount\nAccountororbybymaking\nmakinga\nshall not\napply to you.\nbe refunded\nby\nadirect\ndirect paymenttotoyou;\nyou;and\nand (c)\n(c) any\nany other\nother provision\nprovision of\nthis\nofRates\nthis\nNotice payment\nto Florida\nResidents:\nThe\nAnnual\nPercentage\nAgreement\nthat\nis\ninconsistent\nwith\nthe\nMilitary\nLending\nAct\nAgreement\nthat\nis\ninconsistent\nwith\nthe\nMilitary\nLending\nAct\nshown\nabove\nare\nauthorized by Chapter 655 of the Florida\nshall\nnot\napply\nto\nyou.\nshall\nnot\napply\nto\nyou.\nStatutes.\nNotice\nto\nFlorida\nThe\nAnnual\nPercentage\nRates\nNotice to\nto Maryland\nFlorida Residents:\nResidents:\nThe\nAnnual\nPercentage\nRates\nNotice\nResidents:\nThis\nAccount\nisofgoverned\nby\nshown\nabove\nare\nauthorized\nby\nChapter\n655\nthe\nFlorida\nshown\nabove\nare\nauthorized\nby\nChapter\n655\nof\nthe\nFlorida\nSubtitle 9, Title 12 of the Maryland Commercial Law Article.\nStatutes.\nStatutes.\nNotice to Maryland\nMichigan Residents: The\nretains\na security\nThisseller\nAccount\nis\nNotice toinMaryland\nResidents:\nAccount\nis governed\ngoverned by\nby\ninterest\nthe subject\nmatter\nofThis\nthis\nAgreement.\nSubtitle\n9,\nTitle\n12\nof\nthe\nMaryland\nCommercial\nLaw\nSubtitle 9, Title 12 of the Maryland Commercial Law Article.\nArticle.\ntoMichigan\nPennsylvania\nResidents:\nThis is aa security\nSecurity\nNotice\nResidents:\nThe seller\nNoticetoto\nMichigan\nResidents:\nTheretains\nseller retains\nAgreement.\ninterest\nin\nthe\nsubject\nmatter\nof\nthis\nAgreement.\na security interest in the subject matter of this\nto Texas\nResidents:\nFor questions\nor acomplaints\nNotice\nPennsylvania\nResidents:\nThis is\nSecurity\nAgreement.\nabout this contract, contact Genesis FS Card Services\nAgreement.\nNotice\nto Pennsylvania\nis a Security\nat\n1-877-328-8334.\nThe Residents:\nOffice of This\nConsumer\nCredit\nNotice\nto Texas(OCCC)\nResidents:\nFor questions\nor complaints\nAgreement.\nCommissioner\nis a state\nagency, and\nit enforces\nabout\nthis\ncontract,\nGenesis\nFSIf aCard\nServices\ncertain\nlaws\nthat Residents:\napplycontact\nto thisFor\ncontract.\nor\nNotice\nto Texas\nquestions\norcomplaint\ncomplaints\nat\n1-877-328-8334.\nThe Office\nof Consumer\nCredit\nquestion\ncannot\nbe\nresolved\nby\ncontacting\nthe\ncreditor,\nabout\nthis\ncontract,\ncontact\nGenesis\nFS\nCard\nServices\nCommissioner\nstate to\nagency,\nand it enforces\nconsumers\ncan (OCCC)\ncontact is\ntheaOCCC\nfile aConsumer\ncomplaint\nor\nask\nat 1-877-328-8334.\nOffice\nof\nCredit\ncertain\nlaws\nthat apply The\nto\nthis\ncontract.\nIf a complaint\naCommissioner\ngeneral\ncredit-related\nquestion.\nOCCC\naddress:\n2601 or\nN.\n(OCCC)\nis\na\nstate\nagency,\nand\nit\nenforces\nquestion\ncannot\nbe Texas\nresolved\nby contacting\nthe538-1579.\ncreditor,\nLamar\nBlvd.,\nAustin,\n78705.\nPhone:If(800)\ncertain\nlaws\nthat\napply\nto\nthis\ncontract.\na\ncomplaint\nor\nconsumers\ncontact the\nOCCC tooccc.texas.gov.\nfile a complaint E-mail:\nor ask\nFax:\n(512) can\n936-7610.\nWebsite:\nquestion\nbe resolved\nby OCCC\ncontacting\nthe 2601\ncreditor,\naconsumer.complaints@occc.texas.gov.\ngeneral cannot\ncredit-related\nquestion.\naddress:\nN.\nconsumers\ncontact\nthe78705.\nOCCC to\nfile a (800)\ncomplaint\nor ask\nLamar\nBlvd.,can\nAustin,\nTexas\nPhone:\n538-1579.\na general\ncredit-related\naddress: 2601\nN.\nNOTICE:\nHOLDERquestion.\nOF THISOCCC\nCONSUMER\nCREDIT\nFax:\n(512)ANY\n936-7610.\nWebsite:\noccc.texas.gov.\nE-mail:\nLamar Blvd.,ISAustin,\nTexasTO78705.\nPhone: AND\n(800)DEFENSES\n538-1579.\nCONTRACT\nSUBJECT\nALL CLAIMS\nconsumer.complaints@occc.texas.gov.\nFax: (512)\nWebsite: ASSERT\noccc.texas.gov.\nWHICH\nTHE936-7610.\nDEBTOR COULD\nAGAINSTE-mail:\nTHE\nNOTICE:\nANY\nHOLDER\nOF THIS OBTAINED\nCONSUMER\nCREDIT\nconsumer.complaints@occc.texas.gov.\nSELLER\nOF\nGOODS\nOR SERVICES\nPURSUANT\nCONTRACT\nIS SUBJECT\nALL CLAIMS\nAND DEFENSES\nHERETO\nTHE TO\nPROCEEDS\nHEREOF.\nRECOVERY\nNOTICE: OR\nANYWITH\nHOLDER\nOF THIS CONSUMER\nCREDIT\nWHICH\nTHE\nDEBTOR\nCOULD\nASSERT\nAGAINST\nTHE\nHEREUNDER\nTHE DEBTOR\nSHALLAND\nNOT\nEXCEED\nCONTRACT IS BY\nSUBJECT\nTO ALL CLAIMS\nDEFENSES\nSELLER\nOFPAID\nGOODS\nOR SERVICES\nOBTAINED PURSUANT\nAMOUNTS\nBY THE\nDEBTOR\nWHICH THE\nDEBTOR\nCOULD HEREUNDER.\nASSERT AGAINST THE\nHERETO OR WITH THE PROCEEDS HEREOF. RECOVERY\nSELLERTO\nOFTHE\nGOODS\nOR SERVICES\nOBTAINED\nPURSUANT\nNOTICE\nBUYER:\nDO NOT SIGN\nTHENOT\nAPPLICATION\nHEREUNDER\nBY\nTHE 1.DEBTOR\nSHALL\nEXCEED\nHERETO THIS\nOR WITH\nTHE PROCEEDS HEREOF.\nRECOVERY\nAND/OR\nBEFORE YOU\nREAD\nAMOUNTS\nPAIDCREDIT\nBY THE AGREEMENT\nDEBTOR HEREUNDER.\nHEREUNDER\nBY THEANY\nDEBTOR\nEXCEED\nIT\nOR IF IT CONTAINS\nBLANK SHALL\nSPACES.NOT\n2. YOU\nARE\nNOTICE\nTO TO\nTHE\nDO NOT\nSIGN IN\nTHECOPY\nAPPLICATION\nAMOUNTS\nPAID\nBY\nTHE1.DEBTOR\nHEREUNDER.\nENTITLED\nABUYER:\nCOMPLETELY\nFILLED\nOF THIS\nAND/OR\nTHIS CREDIT3.AGREEMENT\nYOU\nCREDIT\nAGREEMENT.\nMAYSIGN\nATBEFORE\nANY\nPAYREAD\nTHE\nNOTICE TO\nTHE BUYER: 1.YOU\nDO NOT\nTHETIME\nAPPLICATION\nIT\nOR\nIF\nIT\nCONTAINS\nANY\nBLANK\nSPACES.\n2.\nYOU\nARE\nTOTAL\nBALANCE\nOUTSTANDING\nUNDER\nTHIS AGREEMENT\nAND/OR\nTHIS CREDIT\nAGREEMENT\nBEFORE\nYOU READ\nENTITLED\nTO A COMPLETELY\nFILLED IN\nCOPY OF\nTHIS\nWITHOUT\nCHARGE.\n4. KEEP\nIT OR IF ITINCURRING\nCONTAINSANY\nANYADDITIONAL\nBLANK SPACES.\n2. YOU\nARE\nCREDIT\nAGREEMENT.\n3.\nYOU\nMAY\nAT\nANY\nTIME\nPAY\nTHE\nTHIS\nAGREEMENT\nTO PROTECTFILLED\nYOUR LEGAL\nRIGHTS.\n5.\nENTITLED\nTO A COMPLETELY\nIN COPY\nOF THIS\nTOTAL\nBALANCE\nOUTSTANDING\nUNDER THIS AGREEMENT\nYOU\nMAY\nUNDER\nCERTAIN\nCREDIT\nAGREEMENT.\n3. YOU CIRCUMSTANCES\nMAY AT ANY TIME REDEEM\nPAY THE\nWITHOUT\nINCURRING\nANY\nADDITIONAL\nCHARGE.\n4.\nKEEP\nTHE\nPROPERTY,\nIF REPOSSESSED\nBECAUSE\nOF YOUR\nTOTAL\nBALANCE OUTSTANDING\nUNDER\nTHIS AGREEMENT\nTHIS\nAGREEMENT\nPROTECT\nYOUR\nLEGAL\nRIGHTS. 5.\nDEFAULT,\nAND YOUTOMAY,\nCERTAIN\nCONDITIONS,\nWITHOUT INCURRING\nANYUNDER\nADDITIONAL\nCHARGE.\n4. KEEP\nYOU\nMAYAUNDER\nCERTAIN\nCIRCUMSTANCES\nREDEEM\nREQUIRE\nRESALE\nTHE PROPERTY\nREPOSSESSED.\nTHIS AGREEMENT\nTOOF\nPROTECT\nYOUR LEGAL\nRIGHTS. 5.\nTHE\nPROPERTY,\nIF REPOSSESSED\nBECAUSE OF ENTER\nYOUR\n6.\nTHE\nSELLER\nHAS\nNO RIGHT\nTO UNLAWFULLY\nYOU\nMAY\nUNDER\nCERTAIN\nCIRCUMSTANCES\nREDEEM\nDEFAULT,\nAND YOUOR\nMAY,\nUNDER ANY\nCERTAIN\nCONDITIONS,\nYOUR\nPREMISES\nCOMMIT\nBREACH\nTHE\nTHE PROPERTY,\nIF REPOSSESSED\nBECAUSE\nOFOFYOUR\nREQUIRE\nRESALE OFGOODS\nTHE PROPERTY\nREPOSSESSED.\nPEACE\nTOAAND\nREPOSSESS\nPURCHASED\nUNDER THIS\nDEFAULT,\nYOU MAY, UNDER\nCERTAIN CONDITIONS,\n6.\nTHE SELLER\nHAS NO RIGHT\nTOFOR\nUNLAWFULLY\nENTER\nAGREEMENT.\nADDITIONAL\nNOTICE\nMASSACHUSETTS\nREQUIRE A RESALE\nOF THE\nPROPERTY\nREPOSSESSED.\nYOUR\nPREMISES OR\nCOMMIT 7.\nANY\nBREACH\nOF THEA\nAND\nWASHINGTON\nYOU\nMAY CANCEL\n6. THE\nSELLER HASRESIDENTS:\nNO RIGHT TO\nUNLAWFULLY\nENTER\nPEACE\nTO REPOSSESS\nGOODS\nPURCHASED\nTHIS\nPURCHASE\nUNDEROR\nTHIS\nAGREEMENT\nIF ITUNDER\nHAS\nYOUR PREMISES\nCOMMIT\nANY BREACH\nOFBEEN\nTHE\nAGREEMENT.\nNOTICE FOR\nMASSACHUSETTS\nSIGNED\nBYREPOSSESS\nA ADDITIONAL\nPARTY THERETO\nA PLACE\nOTHER\nPEACE TO\nGOODS AT\nPURCHASED\nUNDERTHAN\nTHIS\nAND\nWASHINGTON\nRESIDENTS:\n7.\nYOU\nMAY\nCANCEL\nA\nTHE\nADDRESS\nOF THE SELLER,\nWHICH\nMAY BE HIS\nAGREEMENT.\nADDITIONAL\nNOTICE FOR\nMASSACHUSETTS\nPURCHASE\nUNDER\nTHIS\nAGREEMENT\nIF\nIT\nHAS\nBEEN\nMAIN\nOFFICE OR BRANCH\nTHEREOF;\nYOU\nAND WASHINGTON\nRESIDENTS:\n7. YOUPROVIDED,\nMAY CANCEL\nA\nSIGNED\nBY ASELLER\nPARTY IN\nTHERETO\nATAT\nA HIS\nPLACE\nOTHER THAN\nNOTIFY\nTHE\nWRITING\nMAIN\nOR\nPURCHASE\nUNDER THIS\nAGREEMENT\nIF IT OFFICE\nHAS BEEN\nTHE\nADDRESSORDINARY\nOF THE SELLER,\nWHICH MAY\nBE HIS\nBRANCH,\nMAIL AT\nPOSTED,\nTELEGRAM\nSIGNED BYBYA PARTY\nTHERETO\nA PLACEBYOTHER\nTHAN\nMAIN\nOFFICE\nOR BRANCH\nTHEREOF;\nPROVIDED,\nYOU\nSENT\nOR\nBY DELIVERY,\nLATERWHICH\nTHAN\nMIDNIGHT\nOF\nTHE ADDRESS\nOF THE NOT\nSELLER,\nMAY BE HIS\nNOTIFY\nTHE\nSELLER\nIN\nWRITING\nAT\nHIS\nMAIN\nOFFICE\nOR\nTHE\nDAY THEREOF;\nFOLLOWING\nA PURCHASE\nMAINTHIRD\nOFFICEBUSINESS\nOR BRANCH\nPROVIDED,\nYOU\nBRANCH,\nBY RETAIL\nORDINARY\nMAIL POSTED, BY\nTELEGRAM\nUNDER\nINSTALLMENT\nAGREEMENT.\nNOTIFY THIS\nTHE SELLER\nIN WRITING ATCREDIT\nHIS MAIN\nOFFICE OR\nSENT OR BY DELIVERY, NOT LATER THAN MIDNIGHT OF\nBRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM\nTHE THIRD BUSINESS DAY FOLLOWING A PURCHASE\nUNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.\n\npayment or $25.00 (max\n$37.00)\n$37.00)\nOR\n$35.00 of 5% of amount of\nGA\nGreater\nDC, DE, MA, MS, NE,\nNone\npayment\nor $30.00 (max\nNM, PA, VT, WY\n$37.00)\nOR\n$35.00\nDC,OR\nDE,BY\nMA,DELIVERY,\nMS, NE,\nNone\nSENT\nNOT LATER THAN MIDNIGHT\nNM, PA, VT, WY\n\nOF\nYOU ACKNOWLEDGE\nRECEIPT\nOF A COPY OFA THIS\nRETAIL\nTHE\nTHIRD BUSINESS\nDAY FOLLOWING\nPURCHASE\nINSTALLMENT\nCREDIT\nAGREEMENT.CREDIT AGREEMENT.\nUNDER\nTHIS RETAIL\nINSTALLMENT\nYOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL\nBuyer\nSignature\nINSTALLMENT\nCREDIT AGREEMENT.\nBuyer\nSeller-Creditor\n\nSignature\n\nSeller-Creditor\nChris Klemann, Vice President Financial Services,\nSterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared\nJewelry Boutique and Jared Vault,\nBox 3680,\nAkron, OHFinancial\n44309-3680\nChris P.O.\nKlemann,\nVice President\nServices,\nSterling Jewelers Inc., d/b/a Jared The Galleria Of Jewelry, Jared\nJewelry Boutique and Jared Vault,\n\nYour Billing Rights:\nthis Document\nfor Future Use\nP.O. Box Keep\n3680, Akron,\nOH 44309-3680\nThis notice tells you about your rights and our\nresponsibilities\nunder\nthethis\nFairDocument\nCredit Billing\nAct. Use\nYour\nBilling Rights:\nKeep\nfor Future\nWhat To\nDo If You\nYourrights\nStatement\nThis\nnotice\ntellsFind\nyouA Mistake\nabout On\nyour\nand our\nresponsibilities\nthe Fair\nCredit\nBilling Act.\nIf you think there under\nis an error\non your\nstatement,\nwrite to us at:\n\nWhat\nTo DoFS\nIf Card\nYou Find\nA Mistake On Your Statement\nGenesis\nServices\nP.O.think\nBox there\n4485 is an error on your statement, write to us at:\nIf you\nBeaverton, OR 97076-4485\nGenesis FS Card Services\nIn P.O.\nyourBox\nletter,\ngive us the following information:\n4485\n\xe2\x80\xa2 Account OR\ninformation:\nYour name and account number.\nBeaverton,\n97076-4485\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\nIn your\nletter, giveofusproblem:\nthe following\n\xe2\x80\xa2 Description\nIf youinformation:\nthink there is an error\n\xe2\x80\xa2 Account information: Your name and account number.\non your bill, describe what you believe is wrong and\n\xe2\x80\xa2\xe2\x80\xa2\t\x07Dollar\namount:\nThe\ndollar\namount of the suspected error.\nwhy you\nbelieve\nit is\na mistake.\n\xe2\x80\xa2\xe2\x80\xa2\t\x07Description of problem: If you think there is an error\nYou must\ncontact\non your\nbill, us:\ndescribe what you believe is wrong and\n\xe2\x80\xa2 why\nWithin\n60believe\ndays after\nappeared on your statement.\nyou\nit isthe\na error\nmistake.\n\xe2\x80\xa2 At least 3 business days before an automated payment\nYou must\ncontact us:if you want to stop payment on the\nis scheduled,\n60 days after the error appeared on your statement.\n\xe2\x80\xa2\xe2\x80\xa2\t\x07Within\nWithin\namount you think is wrong.\n\xe2\x80\xa2\xe2\x80\xa2\t\x07At least 3 business days before an automated payment\nYou must\nnotify us ifof you\nany want\npotential\nerrorspayment\nin writing.\nis scheduled,\nto stop\non You\nthe\nmay call\nus, but\nyou do\nwe are not required to investigate\namount\nyouifthink\nis wrong.\nany potential errors and you may have to pay the amount in\nYou\nmust notify us of any potential errors in writing. You\nquestion.\nmay call us, but if you do we are not required to investigate\nWhat\nWill Happen\nWe may\nReceive\nLetter\nany\npotential\nerrors After\nand you\nhaveYour\nto pay\nthe amount in\nquestion.\nWhen we receive your letter, we must do two things:\n\n1. Within\n30 days\nof We\nreceiving\nyour\nletter,\nwe must tell\nWhat\nWill Happen\nAfter\nReceive\nYour\nLetter\nyou that we received your letter. We will also tell you if\nWhenwe\nwehave\nreceive\nyour\nletter,\nwe\nmust\ndo\ntwo\nthings:\nalready corrected the error.\n1.\t\x07Within\nWithin 30 days of receiving your letter, we must tell\n1.\n2. Within 90\ndays of receiving your letter, we must either\nyou\nthatthe\nweerror\nreceived\nyour letter.\ntellthe\nyoubill\nif\ncorrect\nor explain\nto you We\nwhywill\nwealso\nbelieve\nwe have already corrected the error.\nis correct.\n2.\t\x07Within\nWithin 90 days of receiving your letter, we must either\n2.\nWhilecorrect\nwe investigate\nnotwhy\nthere\nhas been\nan\nthe error orwhether\nexplain tooryou\nwe believe\nthe bill\nerror:is correct.\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nWhilereport\nwe investigate\nwhetheronorthat\nnotamount.\nthere has been an\nyou as delinquent\nerror:\n\xe2\x80\xa2 The charge in question may remain on your statement,\n\xe2\x80\xa2\xe2\x80\xa2\t\x07We\nto collect\namount\nin question,\nor\nand cannot\nwe maytrycontinue\nto the\ncharge\nyou interest\non that\nreport\nyou as delinquent on that amount.\namount.\nThe charge in question may remain on your statement,\n\xe2\x80\xa2\xe2\x80\xa2\t\x07\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nand\nwe responsible\nmay continue\nyou of\ninterest\non that\nyou are\nforto\nthecharge\nremainder\nyour balance.\n\xe2\x80\xa2 amount.\nWe can apply any unpaid amount against your credit\n\xe2\x80\xa2\xe2\x80\xa2\t\x07While\nlimit. you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\n\n5% of amount\npast due, but\namount\nof the installment\nor not\nmore than\nand $37.00)\nnot less\n$24.50\n(not$18.00\nto exceed\nthan\n$7.20\n$12.00\nGreater\nof 5% past\nof amount\npast\n5%\nof amount\ndue, but\nnot\nUT\ndue orthan\n$30.00\n(butand\nnot not\nto less\nSC\nmore\n$18.00\nexceed\n$37.00)\nthan $7.20\n5%amount\nof amount\ninstallment\nGreater\nof 5% against\nof amount\npast(butcredit\n\xe2\x80\xa2\t\x07\nWe can apply any unpaid\nyour\nVA\nnot to\ndue\nor exceed\n$30.00 $37.00)\n(but not to\nAfterUT\nwe finish our investigation,\none\nof\ntwo\nthings\nwill\nlimit.\nexceed\n$37.00) 10% of the\n$37.00 (except\nhappen:\naverage\ndaily balance\nprior\n5%\nof amount\nof\n(but will\nAfterVAwe finish our investigation,\none\nofinstallment\ntwoforthings\n\xe2\x80\xa2 If we made a mistake:not\nYou\nwill not\ntothan\npay the\nWA\n30-day\nperiod,\nbut have\nnot less\nto exceed\n$37.00)\nhappen:\nAfter\nweamount\nfinish inour\ninvestigation,\none\nof\ntwois less\nthings\nwill\n$2.00,\nif(except\nthe balance\nquestion\nor any\ninterest\nor10%\nother\nfeesthan\nrelated\n$37.00\nof the\n\t\t \xe2\x80\xa2 If we made a mistake:average\nYou will\nnot have to pay the\n$100.00)\nhappen:\ndaily balance for prior\nto that amount.\n\t\t\tWA\namount\nin question\nor any\ninterest\nor\nfees\nrelated\n5%\nof\namount\npast\ndue,\nbut\nnot\n\xe2\x80\xa2\xe2\x80\xa2 IfIf\nwe do\nmade\na mistake:\nYou\nwill\nnot\nhave\ntothan\npay\nthe\n30-day\nperiod,\nbutother\nnot\nless\nWV\nwe\nnot believe\nthere\nwas\na$30.00\nmistake:\nYou\nwill\nhave\nto exceed\n$2.00,\nif the\nbalance\nis less\nthan\n\t\t\t amount\nto that amount.\nin\nquestion\nor\nany\ninterest\nor\nother\nfees\nrelated\nto pay the amount in question,\nalong with applicable\n$100.00)\n\t\t \xe2\x80\xa2 If we do not believe there was a mistake: You will have\nOK\nSC\nRI\n\nto\nthat amount.\ninterest\nand fees. We will\nsend\nyoupast\na statement\n5% of\namount\nbut\nnot of the\n\t\t\t\ntowe\npay\nin question,\nalong due,\nwith\napplicable\nWV\n\xe2\x80\xa2 Ifamount\ndothe\nnotamount\nbelieve\nwas\na$30.00\nmistake:\nto exceed\nyou\nowe andthere\nthe\ndate\npayment\nisYou\ndue.will\nWehave\nmay\n\t\t\t to\ninterest\nand\nfees. We question,\nwill send you\na statement\nof the\npayreport\nthe\namount\napplicable\nthen\nyou asindelinquent\nifalong\nyou with\ndo not\npay the\n\t\t\t interest\namount and\nyou fees.\nowe and\nthe\ndate\npayment\nis due. We\nmay\nWe\nwill\nsend\nyou\na\nstatement\nof\nthe\namount we think you owe.\n\t\t\t amount\nthen report\nyou and\nas delinquent\nif you is\ndodue.\nnot We\npaymay\nthe\nyou owe\nthe date payment\nIf\nyou receive\nourwe\nexplanation\nbut\nstill believe\nwrong,\n\t\t\t\namount\nthink\nyou\nowe.\nthen\nreport\nyou as\ndelinquent\nif youyour\ndo bill\nnotispay\nthe\nyou must\nwrite to\nus\nwithin\n10\ndays telling us that you still\namount\nthink\nyoubut\nowe.\nIf you receive\nourwe\nexplanation\nstill believe your bill is wrong,\nrefuse to pay. If you do so, we cannot report you as delinquent\nyou\nwrite\nus within but\n10 still\ndaysbelieve\ntellingyour\nus bill\nthat you\nstill\nIfwithout\nyoumust\nreceive\nourto\nexplanation\nwrong,\nalso reporting\nthat you are\nquestioning\nyourisbill.\nWe\nrefuse to pay.\nIf you\ndowithin\nso, we10\ncannot\nreport\nyou\nwrite\nus\ndays\ntellingyou\nus as\nthatdelinquent\nyou still\nmustmust\ntell you\nthetoname\nof anyone\nto whom\nwe\nreported\nyou\nwithouttoalso\nthatwe\nyou\nare questioning\nyour\nbill. We\nrefuse\npay. reporting\nIf you\ncannot\nreport\nyou as\ndelinquent\nas delinquent,\nand do\nweso,must\nlet those\norganizations\nknow\nmust tell youreporting\nthe namethat\nof anyone\nto\nwhom we your\nreported\nwithout\nyou arebetween\nquestioning\nbill. you\nWe\nwhen thealso\nmatter has been\nsettled\nus.\nas\ndelinquent,\nand\nwe\nmust\nlet\nthose\norganizations\nmust tell you the name of anyone to whom we reportedknow\nyou\nIf\nwe\ndo\nfollow\nofmust\nthe\nrules\nabove,organizations\nyou\nto\nwhen\nthenot\nmatter\nhasall\nbeen\nsettled\nus. do not have\nas\ndelinquent,\nand\nwe\nlet between\nthose\nknow\npay the\n$50.00\nof\nthesettled\namountbetween\nyou question\nif your\nwhen\nthefirst\nmatter\nhasall\nbeen\nus. doeven\nIf we do\nnot\nfollow\nof the\nrules above, you\nnot have to\nbill is correct.\n$50.00allofofthe\nyou question\nif your\nIfpay\nwethe\ndo first\nnot follow\ntheamount\nrules above,\nyou do even\nnot have\nto\nYour\nRights\nIf You Are\nDissatisfied\nYour even\nCreditif Card\nbill is\ncorrect.\npay\nthe\nfirst $50.00\nof the\namount youWith\nquestion\nyour\nPurchases\nbill\ncorrect.If You Are Dissatisfied With Your Credit Card\nYouris Rights\nIf\nyouRights\nare dissatisfied\nthe goods\nor services\nthatCard\nyou\nPurchases\nYour\nIf You Arewith\nDissatisfied\nWith\nYour Credit\nhave purchased with your credit card, and you have tried in\nPurchases\nIf you are dissatisfied with the goods or services that you\ngood faith to correct the problem with the merchant, you may\nhave\npurchased\nwith your\ncredit\ncard, and\nyou havethat\ntried in\nIfhave\nyouthe\nareright\ndissatisfied\nwiththe\ntheremaining\ngoods\noramount\nservices\nnot to pay\ndue on you\nthe\ngoodpurchased\nfaith to correct\nproblem\nwith the\nhave\nwith the\nyour\ncredit card,\nandmerchant,\nyou haveyou\ntriedmay\nin\npurchase.\nhave faith\nthe right\nnot tothe\npay\nthe remaining\ndue\nonmay\nthe\ngood\nto correct\nproblem\nwith the amount\nmerchant,\nyou\nTo\nusethe\nthis\nright,\nthe the\nfollowing\nmustamount\nbe true:due on the\npurchase.\nhave\nright\nnotalltoofpay\nremaining\n1. The purchase must have been made in your home state\npurchase.\nTo use this right, all of the following must be true:\nor within 100 miles of your current mailing address, and\nThe\npurchase\nmust\nhave\nbeen made\nin your\nhome state\nTo 1.\t\x07\nusethe\nthis\nright, allprice\nof themust\nfollowing\ntrue:\npurchase\nhave must\nbeen be\nmore\nthan $50.00.\nor within\n100 miles have\nof your\ncurrent\naddress,\nand\n1. The\npurchase\nbeen\nmademailing\nin ifyour\nhome\nstate\n(Note:\nNeithermust\nof these are\nnecessary\nyour\npurchase\nthewithin\npurchase\nprice of\nmust\nhave\nbeenmailing\nmore address,\nthan $50.00.\nor\n100\nmiles\nyour\ncurrent\nand\nwas based on an advertisement we mailed to you, or if\n(Note:\nNeitherprice\nof these\nare\nnecessary\nif your\npurchase\nthe\npurchase\nmust\nhave\nbeen\nthanthe\n$50.00.\nwe own\nor operate the\ncompany\nthat more\nsold you\ngoods\nwas based\non an\nadvertisement\nwe mailed\nto purchase\nyou, or if\n(Note:\nNeither\nof these\nare necessary\nif your\nor services.)\nwe own or operate\nthe company that\nsold you\non anused\nadvertisement\nmailed\nto the\nyou,goods\nor if\n2. was\nYou based\nmust have\nyour credit we\ncard\nfor the\npurchase.\nor services.)\nwe\nown or made\noperate\nthecash\ncompany\nthatfrom\nsold an\nyouATM\nthe or\ngoods\nPurchases\nwith\nadvances\nwith\n2.\t\x07or\nYou\nmust have used your credit card for the purchase.\nservices.)\na check\nthat accesses your credit card account do not\nPurchases\nmadeused\nwith cash\nfrom\nor with\n2. You\nmust have\nyour advances\ncredit card\nfor an\ntheATM\npurchase.\nqualify.\na check that\naccesses\nyour credit card\naccount\ndowith\nnot\nPurchases\nmade\nan ATM or\n3. You\nmust not\nyetwith\nhavecash\nfullyadvances\npaid for from\nthe purchase.\naqualify.\ncheck that accesses your credit card account do not\nIf all\nthemust\ncriteria\narefully\nmet paid\nand you\narepurchase.\nstill dissatisfied\n3. of\nYou\nnot above\nyet have\nfor the\nqualify.\nwith\nthe purchase,\ncontact\nus in paid\nwriting at\nthe address listed\n3. You\nmust\nnot above\nyet\nhave\nIf all\nof the\ncriteria\narefully\nmet and for\nyouthe\narepurchase.\nstill dissatisfied\nabove.\nthethe\npurchase,\ncontact\nin writing\nthestill\naddress\nlisted\nIfwith\nall of\ncriteria above\nareusmet\nand youatare\ndissatisfied\nWhile\ninvestigate,\nthe same\nrules apply\nthe disputed\nabove.\nwith\nthewepurchase,\ncontact\nus in writing\nat thetoaddress\nlisted\namount as discussed above. After we finish our investigation,\nabove.\nWhile we investigate, the same rules apply to the disputed\nwe will tell you of our decision. At that point, if we think you\namount asinvestigate,\ndiscussed above.\nAfterrules\nwe finish\nour investigation,\nWhile\nthe do\nsame\napply\nthe disputed\nowe anweamount\nand you\nnot pay, we\nmaytoreport\nyou as\nwe will tell\nyou of ourabove.\ndecision.\nAtwe\nthat\npoint,\nifinvestigation,\nwe think you\namount\nas\ndiscussed\nAfter\nfinish\nour\ndelinquent.\nowewill\nantell\namount\ndo notAtpay,\nmayif report\nyouyou\nas\nwe\nyou ofand\nouryou\ndecision.\nthatwe\npoint,\nwe think\ndelinquent.\nowe\nan amount and you do not pay, we may report you as\ndelinquent.\n\nRev. 8/19\n\nFACTS\nFACTS\n\nRev. 8/19\n\nPage 2\nWhat 2we do\nPage\nWhat we do\n\nWhy?\nWhy?\n\nTo protect your personal information from\nunauthorized access and use, we use security\nmeasures\nwith\nfederal law.\nTo\nprotect that\nyourcomply\npersonal\ninformation\nfromThese\nmeasures\ninclude\ncomputer\nsafeguards\nand secured\nunauthorized access and use, we use security\nfiles\nand\nbuildings.\nmeasures that comply with federal law. These\n\nWhat?\n\nmeasures\ncomputer\nsafeguards\nsecured\nWe collectinclude\nyour personal\ninformation,\nforand\nexample,\nfiles\nwhenand\nyoubuildings.\n\nWhat?\n\nWe\nyour\npersonal\ninformation,\nfor example,\n\xc2\xa7 collect\nopen an\naccount\nor give\nus your contact\nwhen\nyou\ninformation\n\n\xc2\xa7 open\npay your\nbills or apply\nforus\na your\nloan contact\nan account\nor give\n\xc2\xa7 information\nuse your credit or debit card\n\xc2\xa7We pay\nbills\nor apply\nfor ainformation\nloan\nalsoyour\ncollect\nyour\npersonal\nfrom\n\xc2\xa7others,\nusesuch\nyour as\ncredit\nor debit\ncardaffiliates, or other\ncredit\nbureaus,\n\nHow?\n\ncompanies.\nWe\nalso collect your personal information from\nothers,\nas credit\naffiliates,\nor other\nFederalsuch\nlaw gives\nyou bureaus,\nthe right to\nlimit only\ncompanies.\n\xc2\xa7 sharing for affiliates\xe2\x80\x99 everyday business purposes\nFederal\nlaw gives about\nyou the\nright\nto limit only\n\xe2\x80\x93 information\nyour\ncreditworthiness\naffiliatesfor\nfrom\nusing your\ninformation\nto market\nto\n\xc2\xa7 sharing\naffiliates\xe2\x80\x99\neveryday\nbusiness\npurposes\n\xe2\x80\x93you\ninformation about your creditworthiness\n\xc2\xa7 affiliates\nsharing for\nnonaffiliates\nmarket to you\nfrom\nusing yourtoinformation\nto market to\nyou\nState laws and individual companies may give you\n\xc2\xa7additional\nsharingrights\nfor nonaffiliates\nto market to you\nto limit sharing.\n\nHow?\nReasons we can share your personal information\nReasons we can share your personal information\n\nDoes Jared The\nGalleria Of Jewelry\nshare?\nDoes Jared The\nGalleria Of Jewelry\nshare?\n\nYES\n\nFor joint marketing with other financial\ncompanies\nFor\nmarketing\nwith other\nfinancial\nFor joint\nour affiliates\xe2\x80\x99\neveryday\nbusiness\npurposes \xe2\x80\x93\ncompanies\nFor\nFor our\nour affiliates\xe2\x80\x99\naffiliates\xe2\x80\x99 everyday\neveryday business\nbusiness purposes\npurposes \xe2\x80\x93\xe2\x80\x93\nFor\neveryday\nbusiness\nFor our\nour affiliates\xe2\x80\x99\nnonaffiliates\nto market\nto youpurposes \xe2\x80\x93\nFor our nonaffiliates to market to you\n\nQuestions?\n\nQuestions?\n\nCan you limit\nthis sharing?\nCan you limit\nthis sharing?\n\nNO\n\nCREDIT TERMS AND CONDITIONS\nTHE JAREDFOR THE\nCREDIT FOR\nDISCLOSURES\nTHE\nGALLERIA\nOFACCOUNT\nJEWELRY\nJARED\nJEWELRY\nCREDIT DISCLOSURES FOR THE\nAND JARED VAULT ACCOUNT\nJARED JEWELRY ACCOUNT\n\nState laws and individual companies may give you\nadditional rights to limit sharing.\n\nYES\nYES\n\nNO\nNO\n\nDefinitions\n\nYES\nNO\n\nNOshare.\nWe don\xe2\x80\x99t\n\nDefinitions\n\nNO\nNO\n\nWe\nWe don\xe2\x80\x99t\ndon\xe2\x80\x99t share.\nshare.\n\nNO\nNO\n\nWe\nWe don\xe2\x80\x99t\ndon\xe2\x80\x99t share.\nshare.\n\nNO\n\nWe don\xe2\x80\x99t share.\n\nbe financial\nand does\nnonfinancial\n\xc2\xa7control.\nJaredThey\nThe can\nGalleria\nOf Jewelry\nnot share\n\nNO\n\nWe don\xe2\x80\x99t share.\n\n\xc2\xa7\n\nCompanies related by common ownership or control.\nThey can be financial and nonfinancial companies.\nrelated\nby common\nownership\ncontrol.\n\xc2\xa7Companies\nJared The\nGalleria\nOf Jewelry\ndoes notorshare\nTheywith\ncanour\nbe affiliates.\nfinancial and nonfinancial companies.\n\n\xc2\xa7Companies\nJared The\nnot share\nnotGalleria\nrelated Of\nby Jewelry\ncommondoes\nownership\nor\nwith our\naffiliates.\ncontrol.\nThey\ncan be financial and nonfinancial\ncompanies.\nCompanies not related by common ownership or\ncompanies.\nwith nonaffiliates so they can market to you.\n\nJared The Galleria Of Jewelry does not share\nwith\nso they can\nmarket tofinancial\nyou.\nA formalnonaffiliates\nagreement between\nnonaffiliated\ncompanies that together market financial products or\nservices\nto you.\nA\nformal agreement\nbetween nonaffiliated financial\n\nthatGalleria\ntogetherOfmarket\nfinancial\nproducts\nJared The\nJewelry\ndoes not\njoint or\n\xc2\xa7companies\nservices\nto you.\nmarket.\n\nR: 8/19\n\n\xc2\xa7\n\nJared The Galleria Of Jewelry does not joint\nmarket.\n\n0300-30J-5678\n\n60004\n\n0300-30J-5678\n\n60004\n4/24/18 1:42 PM\n7/11/19 2:39 PM\n\n\x0c'