b'Agreement for U.S. Bank National Association Visa\xc2\xae Personal Line of Credit Accounts\n\nThis credit card program is issued and administered by U.S. Bank National Association. This information is accurate as of Ma rc h 3 1 , 2 0 2 1 .\nPLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. See the Agreement\nthat was provided for your Account and Card for more detailed information, including contact information.\nPRICING INFORMATION: Actual pricing will vary from one Cardmember to another\n(APR = Annual Percentage Rate)\n(DPR = Daily Periodic Rate)\n\nAnnual Percentage Rates for Purchases\n\nPrime + 7.00%\nThis APR will vary with the Market based on the\nPrime Rate.\n(APR) 10.25%\n\n(DPR) 0.028082%\n\nAnnual Percentage Rates for Balance Transfers\n\nPrime + 7.00 %\nThis APR will vary with the Market based on the (APR) 10.25%\nPrime Rate.\n(DPR) 0.028082%\n\nAnnual Percentage Rates for Cash Advances\n\nPrime + 7.00%\nThis APR will vary with the Market based on the (APR) 10.25%\nPrime Rate.\n(DPR) 0.028082%\nPenalty APR and When It Applies\nPaying Interest\nMinimum Interest Charge\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nSet Up and Maintenance Fees\n\n\xe2\x80\xa2 Annual Fee\n\nTransaction Fees\n\nThere is no Penalty Rate for your Account.\nYour due date is 24-30 days after the close of each billing cycle.\nThere is no interest-free period.\nIf you are charged interest, then the Minimum Interest Charge\nwill be NONE.\nTo learn more about factors to consider when ap plying f or o r\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nNOTICE: Some of these set-up and maintenance f ees will b e\nassessed before you begin using your Card and based on your\nCredit Limit, your initial available credit will be less.\nYou may still reject this Account, provided that you have not yet\nused it or paid a fee after receiving a billing statement. If you do\nreject the Account, you are not responsible f or any f ees or\ncharges.\nNONE\n\nNONE\nNONE\nNONE\nEither $20 or 4% of the Advance amount, whichever is greater\n(maximum fee (No Maximum)).\n\xe2\x80\xa2 Cash Advance Overdraft Protection Fee NONE\n\xe2\x80\xa2 Cash Advance ATM Fee\nEither $15 or 4% of the Advance amount, whichever is greater\n(maximum fee (No Maximum)).\n\xe2\x80\xa2 Foreign Transaction Fee\nUp to 3% of each foreign transaction amount.\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nBalance Transf er Advance Fee\nConvenience Check Advance Fee\nFinancial Institution Cash Advance Fee\nCash Equivalent Advance Fee\n\nAccount Fees\n\n\xe2\x80\xa2 Late Fee\n\xe2\x80\xa2 Return Payment Fee\n\nUp to $40\nUp to $35\n\n\x0cHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See\nthe Agreement for more details.\nU.S. BANK NATIONAL ASSOCIATION\nP. O. Box 6352\nFargo, ND 58125\nAccount Agreement\nThis is an agreement and disclosure statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) between you and U.S\nBank National Association containing the terms that will apply to your Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) effective March 31, 2021. In this Agreement, \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d and\n\xe2\x80\x9cAccountholder\xe2\x80\x9d means each individual accepting a solicitation or applying for the\nAccount or otherwise agreeing to be responsible for the Account. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, a n d\n\xe2\x80\x9cthe Issuer\xe2\x80\x9d means U.S. Bank National Association, the issuer of the Card and your\nAccount creditor. Please read this Agreement carefully and keep it in a safe place to\nmake the best use of the Account and credit cards we may issue with this Account\n(\xe2\x80\x9cCard\xe2\x80\x9d). The Agreement becomes effective as soon as you or someone authorized b y\nyou uses or activates the Card or Account. Even if the Card or Account has not been\nused or activated, the Agreement becomes effective unless you contact us within 30\ndays after you receive the Card by calling the number on the back of the Card to cance l\nyour Account. This web Agreement does not replace the Agreement that is provided with\nthe Account and Card.\nThis Agreement contains an arbitration provision (including a class action\narbitration waiver). It is important that you read the entire Arbitration Provision\nsection carefully.\nACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT\n1. Personal Use: You may use the Account only for personal, family or household\npurposes. Federal or state consumer protection laws may not apply if you use the\nAccount for other than personal, family or household purposes.\n2. Expanded Account Access: Any card or PIN issued to or selected by you under th i s\nAgreement will access multiple checking, savings, line of credit and credit card accounts\nin your name at U.S. Bank or any of its bank affiliates; and any Account opened under\nthis Agreement may be accessed by any card(s) or PIN(s) that you have selected or that\nhave been issued to you or may in the future be selected by you or issued to you b y us\nor our bank affiliates. \xe2\x80\x9cExpanded Account Access\xe2\x80\x9d means use of a card or account\nnumber and PIN to conduct a transaction or obtain information at ATMs or via telephone,\npersonal computer banking, or any other availa ble method. Expanded Account A ccess\nmay be available for up to 5 checking, 5 savings, and 5 line of credit or credit card\naccounts, and at other ATMs and with other available methods of access, other\nlimitations may apply.\n3. Purchases: You may use the Account to buy, lease or otherwise obtain goods or\nservices from participating merchants (including transactions you initiate by mail,\ntelephone or over the Internet), or take advantage of special promotional Balance\nTransfer offers that post as Purchase transactions (\xe2\x80\x9cPurchases\xe2\x80\x9d). We will, in connectio n\nwith any promotional offer we make from time to time, provide information on your C a r d\ncarrier or in additional materials (the \xe2\x80\x9cOffer Materials\xe2\x80\x9d) that explain whether those\ntransactions will post and be treated as a Purchase. Even if you have not signed a sale s\ndraft or the merchant has not supplied you with a written receipt or other proof of sale,\nyou are responsible for all Purchases made through your Account, except as exp r essl y\nlimited by applicable law (see \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below for more details).\n4. Advances: \xe2\x80\x9cAdvances\xe2\x80\x9d are transactions other than Purchases that allow you d i r ect\naccess to funds available through your Account. Advances may include Account\ntransactions such as cash advances you obtain directly from us, automated teller\nmachines (\xe2\x80\x9cATMs\xe2\x80\x9d) or other participating financial institutions (\xe2\x80\x9cCash Advances\xe2\x80\x9d ) . A TM\nand financial institution Advances include phone (automated phone system and 24 Hour\ncustomer service assisted) and Internet transfers. Advances also include some Balance\nTransfers, Convenience Checks, FastCash, Overdraft Protection Advances and Cash\nEquivalent Advances. \xe2\x80\x9cCash Equivale nt Advances\xe2\x80\x9d inclu de transactions to a cqu i re o r\ninitiate wire transfers, travelers checks, cashier\xe2\x80\x99s checks, money orders, foreign cash\ntransactions, casino gaming and betting transactions and lottery tickets. Monthly\nAccount statements we issue may refer to Advances as an Advance, Cash, Cash\nAdvances, or by the product or device you used to obtain an Advance. Refer to the\nAccount Fees section for details on Advance Transaction Fees.\n\n5. Advance Limits: Only a portion of the Credit Limit (defined below) is available for\nAdvances and that portion may vary from time to time. Although you may have credit\navailable under your Account, we may be unable to authorize an Advance. You may\ncontact Cardmember Service to learn the portion of your Credit Limit which is ava i l ab le\nfor Advances.\n6. Checks Issued on the Account: We will supply Access Checks and Convenience\nChecks for use by the person(s) or drawer named on those checks (collectively\n\xe2\x80\x9cChecks\xe2\x80\x9d). These Checks are drafts that look like other checks, but are drawn on cre d i t\navailable in the Account. Checks must be written in U.S. Dollars. We will honor a\nproperly signed Check provided your Account has available credit to cover the amount of\nthe Check. Access Checks are not subject to Advance fees. From time to time, we may\nsupply you with Convenience Checks. We will, in connection with any Convenience\nCheck we provide, include Offer Materials that will explain whether the Convenience\nCheck will post and be treated as an Advance or as a Balance Transfer. We m a y a l so\nreturn a Check unpaid if:\n(a) the credit available under your Credit Limit is less than the Check amount;\n(b) the Account is in Default; or\n(c) the Check is improperly endorsed or otherwise fails to conform to our regularly\naccepted standards for check payment.\nChecks may not be used to pay your Account or any obligation you owe us or our\naffiliates.\n7. Paying and Stopping Payment on Checks: You must write to us or call to request that\npayment be stopped on a Check. You must call us promptly with an oral stop p aym e nt\nrequest and then provide us with a written confirmation of the stop payment request\nwithin 14 calendar days. Any written stop payment request we receive will remain in\neffect for 6 months, unless you renew the request in writing before the end of that ti m e .\nWe may pay Checks more than 6 months old. There may be circumstances under which\na Check must be paid, even if we have received a stop payment request from you. We\nwill not be liable to you if we do not honor your stop payment request under those\ncircumstances. If it is determined that a Check should have been paid, but was not, we\nwill not be liable for any consequential, punitive or incidental damages if we acted in\ngood faith. Our only obligation under those circumstances will be to pay the desig na ted\npayee the amount of the Check and cancel any charges assessed against your Accou nt\nas a result of any wrongful failure to honor the Check.\n8. Balance Transfers: We may permit you to transfer balances and obligations th at yo u\nowe other companies or financial institutions to your Account, subject to the terms and\nconditions disclosed in the Offer Materials (\xe2\x80\x9cBalance Transfers\xe2\x80\x9d). Balance Transfers w i l\npost to your Account and be separately reflected on monthly Account statements as a\nBalance Transfer, or, depending upon the offer, may post to the Account and be treate d\nas a Purchase or an Advance. We will, in connection with any Balance Transfer offer\nwe make, provide you with materials that explain how the Balance Transfer will p ost to\nyour Account and be reflected on monthly Account statements. You may not request\nBalance Transfers on existing obligations you owe us or our affiliates. If you request a\nBalance Transfer that would cause your Account to exceed its Credit Limit, we may, at\nour option, (a) post the entire Balance Transfer requested to your Account; (b) post on l y\na portion of the Balance Transfer requested to your Account up to the amount o f cr e d it\navailable under the Credit Limit; or (c) refuse to process the entire amount of the Balance\nTransfer requested.\n9. U.S. Bank Overdraft Protection: This section is part of the Agreement only if you have\nspecifically requested and have obtained an Overdraft Protection Plan by linking the\nAccount with a designated U.S. Bank personal checking account ("checking acco u nt" ) .\nAn "Overdraft Protection Advance" is an advance of funds to your designated ch ecki n g\naccount from this Account that will help cover overdrafts on your checking account. An y\nOverdraft Protection Advance will post and be charged interest as an Advance drawn on\nthe Account. Please refer to the U.S. Bank Deposit Account Agreement (entitled, "Y o ur\nDeposit Account Agreement") for full Overdraft Protection Plan terms and the Consume r\nPricing Information Brochure for fees that apply for Overdraft Protection Advances. W e\n\n\x0cmay cancel Overdraft Protection privileges under the Account, even if the Account\nremains open for other purposes.\nINTEREST CHARGES AND ACCOUNT FEES\n10. Account INTEREST CHARGES: INTEREST CHARGES reflect the cost of credit.\nYour total INTEREST CHARGE for any billing cycle will equal the amount of any (a)\nperiodic rate INTEREST CHARGES (sometimes referred to as \xe2\x80\x9cinterest\xe2\x80\x9d in this\nAgreement and on monthly Account statements); (b) Advance Transaction Fees; and (c)\nany other transaction fees that are considered INTEREST CHARGES.\n11. Interest Rate: In this Agreement, we have abbreviated the terms \xe2\x80\x9cdaily periodic\nrate\xe2\x80\x9d as DPR, \xe2\x80\x9caverage daily balance\xe2\x80\x9d as ADB, and \xe2\x80\x9cANNUAL PERCENTAGE RATE\xe2\x80\x9d\nas APR.\n(a) Standard Interest RatesRate for "Purchases" and "Balance Transfers": The DPR for transactions posting as\nPurchases and Balance Transfers is equal to 1/365th of its corresponding APR. Rate for\n"Advances": The DPR and corresponding APR for transactions posting to the Account as\nAdvances is equal to 1/365th of its corresponding APR.\n(b) Your Variable APRs are calculated by adding a margin to the Index. Your V ar i ab l e\nDPR is equal to 1/365th of the corresponding APR. Your DPR and corresponding A P R\nmay increase or decrease from time to time accordin g to the movements up or dow n o f\nthe Index, which is the Prime Rate published in the "Money Rates" section of the\nMidwest Edition of The Wall Street Journal on the last publication day before the date on\nwhich the billing cycle closed (in other words, the "statement date"). We reserve the right\nto choose a comparable new index if The Wall Street Journal ceases to publish a Pr i m e\nRate. The margin is the percentage we add to the Index to calculate the APR. The\ncurrent applied Index value for your Account is 3.25%. Any variable rate adjustment\nbased on a change to your margin will be effective as of the first day of the current billing\ncycle, and will apply to all new Account balances and transactions subject to that variable\nrate. Any variable rate adju stment based on a change to your Index will be effective as of\nthe first day of the current billing cycle, and will apply to all new and outstanding Account\nbalances and transactions subject to that variable rate. An increase or decrease to th e\nIndex or margin will apply to Purchase, Advance, and Bala nce Transfer balances and will\nresult in an increase or decrease in the INTEREST CHARGE on the Account, an\nincrease or decrease to your Minimum Payment, and an increase or decrea se to yo ur\nNew Balance.\nIntroductory and Promotional Rates: We may, at our option, offer you for a limited\ntime introductory or promotional interest rates for all or part of new Purchase, Advance,\nor Balance Transfers posted to your Account. We will tell you in the Offer Materials the\nintroductory or promotional rate and the period of time during which that rate w i l l b e i n\neffect and any conditions or requirements of the offer. Unless the Offer Materials state\notherwise, an introductory or promotional rate will remain in effect until the last day of the\nbilling cycle in which the introductory or promotional rate expires. Any introductory or\npromotional rate that applies to new or outstanding Account bala nces will increase to the\nstandard rate that would otherwise apply, or, when appropriate under the term s o f th i s\nAgreement, a Penalty Rate due to an Adjustment Event (as indicated above).\n12. INTEREST CHARGE; Method of Computing Balance Subject to Interest Rate: We\ncalculate the periodic rate or interest portion of the INTEREST CHARGE by multip l yi ng\nthe applicable DPR by the ADB (including new transactions) of the Purchase, Adva nce\nand Balance Transfer categories subject to interest, and then adding together the\nresulting interest from each category. We determine the ADB separately for the\nPurchases, Advances and Balance Transfer categories. To get the ADB in each\ncategory, we add together the daily balances in those categories for the billing cycle and\ndivide the result by the number of days in the billing cycle. We determine the daily\nbalances each day by taking the beginning balance of those Account categories\n(including any billed but unpaid interest, fees, credit insurance and other charges),\nadding any new interest, fees, and charges, and subtracting any payments or credits\napplied against your Account balances that day. We add a Purchase, Advance or\nBalance Transfer to the appropriate balances for those categories on the later of the\ntransaction date or the first day of the statement period. Billed but unpaid interest on\nPurchases, Advances and Bala nce Transfers is added to the appropriate bal a nce s fo r\nthose categories each month on the statement date. Billed but unpaid Advance\nTransaction Fees are added to the Advance balance of your Account on the d ate th e y\nare charged to your Account. Any billed but unpaid fees on Purchases, credit insurance\ncharges, and other charges are added to the Purchase balance of the Acco u nt o n th e\ndate they are charged to the Account. Billed but unpaid fees on Balance Transfe r s a re\nadded to the Balance Transfer balance of the Account on the date they are ch a r ge d to\nthe Account. In other words, bille d and unpaid interest, fees, and charges will be included\n\nin the ADB of your Account that accrues interest and will reduce the amount of credit\navailable to you. Credit insurance charges are not included in the ADB calculation for\nPurchases until the first day of the billing cycle following the date the credit insurance\npremium is charged to the Account. Prior statement balances subject to an interest-fr ee\nperiod that have been paid on or before the payment due date in the current billing cycle\nare not included in the ADB calculation. As describ ed above, this Agreement pr ovi d e s\nfor the compounding of interest on your Account.\n13. Paying Interest: There is no interest-free period for transactions that post to the\nAccount except as provided in any Offer Materials. Transactions are subject to interest\nfrom the date they post to the Account until the date they are paid in full.\n14. Advance Account Fees: You agree to pay the following Account fees and INTEREST\nCHARGES:\n(a) We may add an Advance Transaction Fee INTEREST CHARGE to the\nAdvance balance of the Account for each Advance you obtain during a billing cycle\nin addition to the interest that accrues on the Advances. The Advance Transaction\nFee imposed will equal the greater of either a percentage of each Advance or th e\nminimum dollar amount, subject to the maximum dollar amount.\n15. Account Fees:\n(a) We may add a Promotional Discount Transaction Fee INTEREST CHARGE for\neach Promotional Discount you receive during the billing cycle, as outlined i n a ny\nOffer Materials.\n(b) Each year, the Account may be subject to your payment in advance of an\nAnnual Membership Fee which will compensate us for maintaining and servicing the\nAccount for the following year. This fee will be charged to the Purchase balance o f\nyour Account.\n(c) We may add a Late Payment Fee to the Purchase balance of the Account if your\nMinimum Payment is not received by the Payment Due Date shown on the monthly\nAccount statement.\n(d) There is no Overlimit Fee on your Account.\n(e) We may add a Returned Payment Fee to the Purchase bala nce of the Account\nif any payment on the Account is not honored or if we must return it to you because\nit cannot be processed. A check that is returned unpaid will be sent for colle ction.\n(f) We will add a Duplicate Documentation Fee to the Purchase balance of the\nAccount for each copy of a monthly statement, sales slip, refund slip, or Advance\nslip that you request. There will be no charge for documentation requests ma d e i n\nconnection with a billing error notice, if our investigation indicates a billing error\noccurred.\n(g) We may add a service charge to the Purchase balance of the Account if you\ncall us to make a payment on your Account and are assisted by a Cardmember\nService Representative to make the payment. You will be provided with\nconfirmation of the service charge before the payment transaction is authorized.\n(h) We may add a Stop Payment Check Fee to the Purchase balance of your\nAccount if you request a stop payment on a Convenience Check. (See "Paying and\nStopping Payment on Convenience Checks" section above for more details.)\n(i) We may add an Overdraft Fee INTEREST CHARGE to the Advance balance of\nyour Account, except where Offer Materials specify otherwise.\nIMPORTANT INFORMATION ABOUT USING YOUR ACCOUNT\n16. BalanceShield or Insurance Charges: Your purchase of BalanceShield debt\ncancellation or credit life insurance and disability is optional. Whether or not you\npurchase BalanceShield or credit insurance will not affect your application for cr e d it o r\nthe terms of any existing credit agreement you have with us. If you elect to purchase\nBalanceShield or credit insurance and are eligible to participate, the monthly program fee\nor premium (at the rate disclosed to you) will be added to the Purchase bala nce as of the\nclosing date of each billing cycle based upon the Account balance (including accrued\nINTEREST CHARGES).The terms of your BalanceShield coverage will be summar i zed\nin the BalanceShield Debt Cancellation Program Agreement, which will be pr o vi de d to\nyou upon enrollment. For credit insurance, the terms of your insurance coverage wil l b e\nsummarized in the Certificate of Insurance, which will be provided to you.\n17. Credit Limit: The Account Credit Limit for your Account is the maximum amount of\ncredit available and that you may owe under the Account at any time. You may not\nrequest or obtain additional Purchases, Advances or Balance Transfers once you ha ve\nreached your Credit Limit. The initial Credit Limit is shown on your Card carrier an d w i l l\nappear on your monthly Account statements. We reserve the right to review your\nAccount at any time and increase or decrease your Credit Limit. You may not i n cr ea se\n\n\x0cyour Credit Limit by carrying credit balances over the Credit Limit we make avai la b le to\nyou.\n18. Payment: You must pay us in U.S. Dollars with checks or similar payment\ninstruments drawn on a financial institution located in the United States. We will also\naccept payment in U.S. Dollars via the Internet or phone or previously established\nautomatic payment transaction. We may, at our option, choose to accept a payment\ndrawn on a foreign financial institution. However, you will be charged and agree to p a y\nany collection fees required in connection with such a transaction. The date you m ai l a\npayment is different than the date we receive that payment. For purposes of this\nAgreement, the payment date is the day we receive your check or money order at the\naddress specified on your monthly Account statement or the day we receive your\nelectronic or phone payment. If you mail your payment without a payment coupon o r to\nan incorrect address, it may result in a delayed credit to your Account, additional\nINTEREST CHARGES, fees, and possible suspension of your Account.\n19. Minimum Payment: Each month, you must pay at least the Minimum Payment and\nany past due Minimum Payment(s) by the Payment Due Date shown on your monthly\nAccount statement. You may, at your option, pay more than the Minimum Payment or\npay the New Balance (as stated on your monthly Account statement) in full to reduce o r\navoid the INTEREST CHARGE for the Account. Your Minimum Payment will be\ncalculated as follows: first, we determine the \xe2\x80\x9cBase Minimum Payment,\xe2\x80\x9d which is the\ngreater of $50.00 or 1% of your New Balance not including items (1) and (2) below,\nwhich, if not a whole dollar amount, will be rounded to the next highest dollar. To the\nBase Minimum Payment, we may add one or more of the following items, as incurred on\nyour Account: (1) any late, annual and/or any other Account related fee, (2) the\nINTEREST CHARGE, and (3) if your Account is over the Credit Limit, some or all of th e\nbalance amount over your Credit Limit. If the resulting Minimum Payment is greater than\n$50.00, the total, if not a whole dollar amount, is then rounded to the next highest dol l a r\nnot to exceed your New Balance. Any Minimum Payment or additional amount yo u p ay\neach month will not prepay any future Minimum Payments required, or change your\nobligation to make at least a Minimum Payment by the Payment Due Date. Any\nstatement credit that results from a promotional offer or rewards redemption, if\napplicable, will only be applied to the Account balance and not satisfy any portion of th e\nMinimum Payment requirements for this Account.\n20. Payment Application: If we cannot collect on your check or other payment item yo u\nsend us to pay on your Account, we may post as an Advance transaction an amount\nequal to the credit previously given to you for such check or payment item and w e m a y\ncharge interest on this amount from the date your Account orig inally was credited for the\npayment. After a payment has been made, we reserve the right to withhold available\ncredit in the amount of the payment for 7 business days. Any credit available before th e\npayment is made will continue to be available for use during this time.\n21. Skip Payment Option: We may, at our option, occasionally offer you an opportu ni ty\nto skip your obligation to make the Minimum Payment due. You may not skip paym e n ts\nunless we make this offer to you. If we offer you an opportunity to skip a payment m o r e\nthan once in a 12 month period, you will not be permitted to skip payments r eq u ir e d i n\nconsecutive months. You cannot accept a skip payment offer if your Account is\ndelinquent, or is in Default. When you take advantage of a skip payment offer, the\ninterest will continue to accrue on the entire unpaid balance of your Account.\n22. Change of Address: Your monthly Account statements and notices about your\nAccount will be sent to the address you provided in your application or your response to\nour Account solicitation. To change your address, you must call or write to us. We must\nreceive this information 21 days before the date a billing cycle closes to provide your\nmonthly Account statement at your new address. If you have an address change w i th in\n45 days of the expiration date of your Card(s), please contact Cardmember Service with\nyour new address so your new Card(s) can be mailed to your new address. We may also\nupdate your address in our records without a request from you if we receive an addr e ss\nchange notice from the U.S. Postal Service or if we receive updated address information\nfrom our mail services vendor.\n23. Authorized Users: You agree not to allow access to your Card, Account number,\nConvenience Checks, or personal identification number (PIN) to anyone else to use your\nAccount, except by asking us to issue a card to grant Account access to another person.\nIf you allow access to your Card or Account information, you will be liable for any charges\nmade by that person, unless and except as expressly required by applicable l aw . Y o u\nagree to be responsible for all Account transactions made by a Accountholder, or anyone\nwho you have authorized by (a) asking us to issue a Card to grant Account access to\nanother person; (b) lending your Card to or allowing Account access by another perso n;\nor (c) any other way in which you would be legally considered to have allowed a n oth e r\n\nperson to use your Account or to be legally prevented from denying that you did so. B e\ncautious when allowing another person to become an authorized user of your Accou n t;\nonce you allow authority to any authorized user you cannot limit that authority unless the\nAccount is closed to future transactions. You, as a primary or joint Accountholder m u st\ncall or write us with any request to cancel and remove a person\xe2\x80\x99s authority. We w i l l n o t\nprovide any Account information to anyone other than you and any Authorized Users.\nAuthorized Users have no right to make any Account changes or inquirie s.\n24. Lost or Stolen Card or Other Information: You must notify us immediately by\ntelephone or in writing if your Card, Convenience Checks, or PIN is lost or stolen or there\nis possible unauthorized use of your Card, Account, or PIN. You will not be liable for\nunauthorized use of your Account. If this happens, we will ask you and all other persons\ngiven Account access to return all Cards and unused Convenience Checks to us. In\naddition, we have the right to close your Account and open a new Account. If we d o so ,\nnew Cards will be issued. If requested, we may issue a new PIN and new Convenie n ce\nChecks for your new Account.\n25. Using Your Card for International Transactions: You may use your Card for retail\nPurchases at foreign merchants and for cash withdrawals from foreign ATMs th a t b ea r\neither the PLUS System or the Visa logo. Some merchant and ATM transactions, even if\nyou and/or the merchant or ATM are located in the United States, are considered foreign\ntransactions under the applicable Visa rules, in which case we will add the Foreign\nTransaction Fee INTEREST CHARGE described in this section to those transactions.\nWe do not control how these merchants, ATMs, and transactions are classified for this\npurpose. The exchange rate in effect when the transaction is processed may differ fro m\nthe rate in effect on the date of the transaction or the date of the posting of the\ntransaction to your Account.\nIf you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS\nSystem logo), the transaction will be processed through the Visa system and will be\nconverted to U.S. Dollars according to the applicable rules established by Visa from time\nto time. Currently, the currency conversion rate used by Visa to determine the fo r ei g n\ncurrency transaction amount in U.S. Dollars is determined by multiplying the amo un t o f\nthe foreign currency transaction times (a) a rate selected by Visa from the range of rates\navailable in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (b) the government-mandated rate i n\neffect for the applicable central processing date. If your foreign transaction is in fo r e ig n\ncurrency prior to being processed by Visa, we will add a Foreign Transaction Fee\nINTEREST CHARGE of 3.00% of the Purchase transaction or 3.00% of the ATM\ntransaction. If your foreign transaction is in or converted to U.S. Dollars prior to being\nprocessed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of\n3.00% of the Purchase transaction or 3.00% of the ATM transaction. If you use your\nCard at an ATM that bears only the PLUS System logo (and no Visa logo), the\ntransaction will be processed through the PLUS System and will be converted into U .S .\nDollars at the exchange rate established, from time to time, by the operator of that ATM.\nTo the converted transaction we will not add a Foreign Transaction Fee INTEREST\nCHARGE.\nIf you use your Card at an ATM that bears both the Visa and PLUS System logos, the\nATM operator will determine whether to send your transaction over the Visa or PLUS\nSystem network using such network\xe2\x80\x99s respective currency conversion rule s then in effect\n(as explained above).\nYOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT\n26. Responsibility to Pay: You agree to pay us for all Purchases, Advances, Balance\nTransfers, INTEREST CHARGES, Account Fees and charges, any other transaction\ncharges as provided in this Agreement and, to the extent permitted under applicable law,\nattorneys fees and collection costs we incur enforcing this Agreement again st you. Th i s\nis the case even if your Account is only used by one of you, or is used by someone\nauthorized by only one of you. If there is more than one Accountholder, each of you is\nresponsible, together and separately, for the full amount owed on your Acco un t. Y o u r\nobligation to pay the Account balance continues even though an agreement, divorce\ndecree, court judgment, or other document to which we are not a party may direct\nanother person responsible to pay the Account.\n27. Intent to Repay: Every time you use your Account, you represent to us that you\nintend to and have the ability to repay your Account obligations. We rely on this\nrepresentation every time you use your Account.\n28. Settling a Disputed Balance; Payment in Full: If you want to settle a disagreement\nwith us about any amount you owe by sending a check on which you have written\n\n\x0c\xe2\x80\x9cPayment in Full\xe2\x80\x9d or similar language, you must send us a written explanation of the\ndisagreement or dispute and any such check to Cardmember Service. (See Your Billing\nRights section below for complete details.) This address is different than the address you\nuse to make Account payments. Writing \xe2\x80\x9cPayment in Full\xe2\x80\x9d or similar language on the\ncheck will not be enough to resolve the dispute. If we collect a check or any payment\ninstrument marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d that you sent to an address other than the one\nprovided in this section (such as the address at which you normally make payments), we\nwill not have waived our right to collect any remaining amount you owe us under the\nterms of your Account.\n29. Default: You and your Account will be in Default if:\n(a) we do not receive the Minimum Payment by the Payment Due Date discl o se d\non the monthly Account statement;\n(b) you violate any other provision of this Agreement;\n(c) you die without a surviving joint Accountholder;\n(d) you become insolvent, assign any property to your creditors, or go into\nbankruptcy or receivership;\n(e) you have made false statements on your Account application or in the\nmaintenance of your Account;\n(f) we have any reason to believe that your Account is in danger of, or is being\nused for fraud;\n(g) you are a married community property state resident and you or we recei ve a\nwritten termination notice of this Agreement from your spouse;\n(h) your Account becomes inactive;\n(i) anything happens that we believe in good faith materia lly increases the risk that\nyou will not live up to your payment and other obligations under this Agreement; or\n(j) this is a joint Account and one of you notifies us that he or she wants the\nAccount closed or will no longer be liable on the Account.\nYou and your Account will also be in Default if you go over your Credit Limit.\n30. Illegal Purchases: You agree that you will not use or permit an authorized user to\nuse the Card or Account for any unlawful purpose, such as funding any account th a t i s\nset up to facilitate online gamblin g.\nOUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT\n31. Ownership of this Account: Your Card and any other Account access devices that we\nsupply to you are our property and must be immediately returned to us or our designated\nagent or otherwise destroyed or surrendered as we instruct.\n32. Changes to your Account: Account and Agreement terms are not guaranteed for any\nperiod of time; we may change the terms of your Agreement, including APRs and fees, in\naccordance with applicable law and the terms of your Agreement. Your transactional\nexperience with us may also cause a change, including an increase in the margin that i s\nadded to the Index, an increase in fees, or a decrease in the Credit Limit. Factors\nconsidered in determining the increased rate or Credit Limit decrease may include yo u r\ngeneral credit profile, existence, seriousness and timing of the defaults under any\nagreement that you have with us, and other indications of the Account usage and\nperformance. We will give you notice of any such change in the manner required by law.\nRevised Account terms apply as of the effective date communicated in our notice to yo u\nunless the notice provides you with the right to opt out, and you do opt out, before the\neffective date.\n33. Cancellation of Your Account: We may cancel your Account or suspend your ab i l ity\nto obtain Account credit immedia tely, without notice, if your Account is in Default. Even if\nyou are not in Default, we may cancel your Account by providing notice to you. You ma y\ncancel your Account by notifying us by telephone or in writing. If this is a joint Accou n t,\nwe will honor a request by either of you to cancel the Account. After the Account is\ncancelled, you will not be able to obtain additional Account credit, except that, (a) the\nAccount may continue to receive recurring charges for items and services until you\ncontact and cancel delivery with the company providin g the item or service, or (b) und e r\ncertain circumstances if you use your Account for a transaction, the transaction m a y b e\nposted to your Account. After your Account is cancelled, all amounts outstanding on\nyour Account will be due and payable without notice or demand from us. You must cut all\nCards and Convenience Checks in half and return them to us. If you do not pay the\namount you owe under this Agreement, you will be liable for our collection costs including\nour reasonable attorney fees and expenses of legal actions, to the extent permi tte d b y\napplicable law.\n34. Our Rights if You Are in Default: If you are in Default, we will give you notice of your\nright to cure the Default as may be required by law. If you do not cure the Default wi th i n\nthe time stated in the notice, we may decla re the Account balance due and payable. You\n\nremain responsible for all amounts charged to your Account both before and after receipt\nof such notice. We may also use any other legal right it has. Except where prohibited we\nmay charge any amount due against any of your deposit accounts that you have with we\nor its affiliates except for any balance resulting from use of your Bank credit card. If yo u\nDefault by exceeding your credit limit, the excess may be treated as an Advance;\nhowever, it must be repaid in full with your next regular payment unless other\narrangements are made with we at the time.\n35. Assignment of Your Account to Another Creditor: We may assign, sell or transfer\nyour Account and amounts owed by you to another creditor at any time. If we do, this\nAgreement will still be in effect unless and until amended, and any references m ad e i n\nthis Agreement to \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, or \xe2\x80\x9cour\xe2\x80\x9d will refer to the creditor to which we assigned, so l d\nor transferred your Account or amounts owed under your Account. You may not delegate\nyour obligations and responsibilities to us to any third party without our express w r i tte n\nconsent.\nOUR LEGAL RIGHTS AND OBLIGATIONS\n36. Collecting Credit Information about You: You authorize us to make any credit,\nemployment and investigative inquiries we feel are appropriate related to giving you\ncredit or collecting amounts owed on your Account. You agree that a consumer credit\nreport may be requested periodically from one or more consumer reporting agencies\n(\xe2\x80\x9cCredit Bureaus\xe2\x80\x9d) and used in connection with your application and any update, renewal\nor extension of credit. We will provide information about you, your Account or your credi t\nhistory to Credit Bureaus and others who may properly receive that information.\n37. Credit Bureau Disputes: If you believe we inaccurately reported credit history\ninformation about you or your Account to a Credit Bureau, write to us at Consumer\nRecovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO 63166-9801.\n38. Privacy Pledge and Disclosure of Account Information: A copy of our Privacy Pledge\nwas included with your original Agreement. We also keep copies of our Privacy Pledge in\nfinancial institution offices and post it on our web site. Our Privacy Pledge describes how\nwe collect, protect and use confidential financial and other information about you and the\ncircumstances in which we might share information about you with members of our\ncorporate family and with unaffiliated third parties. Our Privacy Pledge also tells you how\nyou can (a) limit the ways we share certain kinds of information about you and (b)\nrequest corrections to the information we maintain about you.\n39. Refusal to Honor Transactions: We and our agents are not responsible if anyone\nrefuses to honor your Card or a Convenience Check, or if authorization for a par ti cu l ar\ntransaction is not given. Although you may have credit available under your Account, w e\nmay be unable to authorize credit for a particular transaction. The number of transactions\nyou make in one day may be limited, and the limit per day may vary. These restri cti on s\nare for security reasons and as a result we cannot explain the details of how this syste m\nworks. If your Account is over the Credit Limit or delinquent, authorization of credit for\ntransactions may be declined. We are not responsible for anything purchased with yo ur\nCard or a Convenience Check, except as expressly required by applicable law (see Your\nBilling Rights section below for more details). You must return goods you purchased with\nthe Card or Account to the merchant and not to us.\n40. Third Party Offers: From time to time, third parties may provide you with benefits not\nrelated to the extension of Account credit. We are not liable for these features, ser vi ces\nand enhancements, as they are the sole responsibility of the third party provider. We\nand/or a third party may add, change or delete entirely these benefits without n o ti ce o r\nliability to you, to the extent permitted by applicable law. You agree to hold us harml e ss\nfrom any claims, actions or damages resulting from your use of any of these features,\nservices or enhancements, where permitted by applicable law.\n41. Monitoring and Recording Communications: You understand and agree that we, and\nanyone acting on our behalf, may monitor and/or record any communications b etw e e n\nyou, or anyone acting on your behalf, and us, or anyone acting on our behalf, for qual i ty\ncontrol and other purposes. You also understand and agree that this monitoring or\nrecording may be done without any further notice to you or anyone acting on your behalf.\nThe communications that may be monitored or recorded include telephone calls, cellular\nor mobile phone calls, and any other communications in any form.\n42. Severability: If a court of competent jurisdiction finds any part of this Agreement\nillegal or unenforceable, the remaining portions of the Agreement will remain in effect a s\nwritten after any such illegal or unenforceable portion is amended in conforman ce w i th\napplicable law or, if necessary, voided.\n\n\x0c43. Entire Agreement: This version of the web Agreement replaces any previous\nversions of the web Agreement. The Agreement, as modified by any change in terms we\nmay deliver from time to time in accordance with applicable law, constitutes the entire\nagreement between you and us, and supersedes any prior negotiation, agr ee m en t, o r\nunderstanding between you and us concerning the subject matter of the Agreement.\n44. Waiver: We do not give up our rights under the Agreement or applicable l aw w h e n\nwe fail to exercise or delay exercising those rights. Our failure or delay to exercise any\nright or remedy we have against you does not mean that we waive that right.\n45. Arbitration Provision:\n(a) You agree that either you or we can choose to have binding arbitration resolve\nany claim, dispute or controversy between you and us that arises from or relates\nto this Agreement or the Account and credit issued thereunder (individually and\ncollectively, a "Claim"). This does not apply to any Claim in which the relief\nsought is within the jurisdictional limits of, and is filed in, a small claims court. If\narbitration is chosen by any party, the following will apply:\n(1) NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE A CLAIM IN\nCOURT OR TO HAVE A JURY TRIAL ON A CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY, EXCEPT AS PROVIDED FOR IN THE\nAPPLICABLE ARBITRATION RULES.\n(2) Arbitration will only decide our or your Claim, and you may not\nconsolidate or join the claims of other persons who may have similar claims.\nYOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE\nOR MEMBER OF ANY CLASS OF CLAIMANTS, OR AS A PRIVATE\nATTORNEY GENERAL, PERTAINING TO ANY CLAIM SUBJECT TO\nARBITRATION.\n(3) The arbitration will be performed in accordance with this Arbitration\nProvision and the rules of the chosen arbitrator in effect when the Claim is\nfiled.\n(4) The arbitrator\xe2\x80\x99s decision will generally be final and binding, except for\nthe limited right of appeal provided by the Federal Arbitration Act.\n(5) Other rights that you would have if you went to court might also not be\navailable in arbitration.\n(b) The party commencing the arbitration may select to use either JAMS or the\nAmerican Arbitration Association ("AAA") (or, if neither of these arbitration\norganizations will serve, then a comparable substitute arbitration organization\nagreed upon by the parties or, if the parties cannot agree, chosen by a court of\ncompetent jurisdiction). If JAMS is selected, the arbitration will be handled\naccording to its Streamlined Arbitration Rules unless the Claim is for $250,000 or\nmore, in which case its Comprehensive Arbitration Rules shall apply. If the AAA is\nselected, the arbitration will be handled according to its Commercial Arbitration\nRules. You may obtain rules and forms for JAMS by contacting JAMS at 1-800352-5267 or www.jamsadr.com and for the AAA by contacting the AAA at 1-800778-7879 or www.adr.org. Any arbitration hearing that you attend will take place in\nthe federal judicial district where you reside. At your request, we will advance\nyour filing and hearing fees for any Claim you may file against us. If you prevail on\nyour Claim, we will pay your arbitration costs and fees, other than attorney, expert\nand witness fees and expenses. We will also pay any fees or expenses that\napplicable law requires us to pay. The arbitrator shall apply applicable substantive\nlaw consistent with the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1 through 16, including\nbut not limited to applicable statutes of limitation, and shall honor claims of\nprivilege recognized at law. Judgment upon the award rendered by the arbitrator\nmay be entered in any court having jurisdiction.\n(c) This Arbitration Provision shall survive repayment of your extension of credit\nand termination of your Account. This Arbitration Provision shall be governed by\nfederal law, including the Federal Arbitration Act, and by Ohio law, without regard\nto its internal conflict of law principles, to the extent such state law does not\nconflict with federal law or this Arbitration Provision. This Arbitration Provision\nshall not apply to a party who is a covered borrower under the Military Lending\nAct. Notwithstanding any language of this Agreement to the contrary, should any\nportion of this Arbitration Provision be held invalid or unenforceable by a court or\nother body of competent jurisdiction, this entire Arbitration Provision shall be\nautomatically terminated and all other provisions of this Agreement shall remain in\nfull force and effect.\nFederal law provides important protections to members of the Armed Forces a nd th ei r\ndependents relating to extensions of consumer credit. In general, the cost of co n su m er\ncredit to a member of the Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. This rate must include, as applicable to the cred i t\ntransaction or account: the costs associated with credit insurance premiums; fees for\n\nancillary products sold in connection with the credit transaction; any application fee\ncharged (other than certain application fees for specified credit transactions or accounts);\nand any participation fee charged (other than certain participation fees for a credi t ca r d\naccount). For a verbal transcript of this disclosure, please call 1-877-292-1682.\nYOUR BILLING RIGHTS\nKeep this document for future use. This notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement:\nIf you think there is an error on your statement, call or write to us.\nIn your letter or call, give us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe w h at\nyou believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nWhat Will Happen After We Receive Your Letter or Call:\nWhen we receive your letter or call, we must do two things:\n1.\nWithin 30 days of receiving your letter or call, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter or call, we must either correct the error or\nexplain to you why we believe the bill is correct. While we investigate whether o r\nnot there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinque nt\non that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are respo nsi b l e\nfor the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your Credit limit.\nAfter We Finish Our Investigation, One of Two Things Will Happen:\n\xe2\x80\xa2\nIf we made a mistake, you will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake, you will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a statement of\nthe amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe. If you receive our\nexplanation but still believe your bill is wrong, you must write to us within 10 da ys\ntelling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We mu st te l l\nyou the name of anyone to whom we reported you as delinquent, and we must l e t\nthose organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases:\nIf you are dissatisfied with the goods or services that you have purchased with your Card,\nand you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remain ing amount due on the purchase. To use this right, a l l of\nthe following must be true:\n1.\nThe purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more tha n $ 50 .\n(Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods\nor services.)\n2.\nYou must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card Account do\nnot qualify.\n3.\nYou must not yet have fully paid for the purchase.\n\n\x0cIf all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing.\nWhile we investigate, the same rule s apply to the disputed amount as discussed above .\nAfter we finish our investigation, we will tell you our decision. At that poin t, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\nSPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO\nPURCHASES MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER\nCHECKS.\n06_USB_LINE_OF_CREDIT\n\n\x0c'