b'SUMMARY OF STERLING FAMILY OF JEWELERS\xc2\xae CHARGE ACCOUNT TERMS\n\nInterest Rates and Interest Charges\nAnnual Percentage\nRate\n17% AND\nto 29.99%.\nAPRCHARGE\nvaries ACCOUNT\nby state. TERMS\nSUMMARY OF\nKAY JEWELERS\nKAY JEWELERSThis\nOUTLET\nSee Paragraph\nof the Retail\nInstallment\nCredit Agreement\nSUMMARY\nOF KAY JEWELERS\nAND KAY 3JEWELERS\nOUTLET\nCHARGE ACCOUNT\nTERMS\n(APR) for SUMMARY\nPurchasesOF\nKAY JEWELERS\nAND KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS\nInterest Rates and Interest\nCharges\nfor details.\nInterest Rates\nRates and\nand Interest\nInterest Charges\nCharges\nInterest\nAnnual Percentage\nRate\n17%\nto 26.99%. Th s APR var es by state.\nYour\ndue date is3atofleast\n25 days\nafterment\nthe close\neach billing\nHow\nto for\nAvoid\nPayingRate\nAnnual\nPercentage\nSee\nParagraph\nthe Reta\nInsta\nCred\ntofAgreement\n17%\nto\n26.99%.\nThisinterest\nAPR varies\nvaries\nby\nstate.\n(APR)\nPurchases\nAnnual Percentage Rate\n17%\nto\n26.99%.\nThis\nAPR\nby\nstate.\ncycle.\nWe\nwill\nnot\ncharge\nyou\non\npurchases\nif you pay\nInterest\nonPurchases\nPurchases\nfor deta\ns.\nSee\nParagraph\n3 of\nof the\nthe Retail\nRetail Installment\nInstallment Credit\nCredit Agreement\nAgreement\n(APR) for\nfor\nSee\nParagraph\n3\n(APR)\nPurchases\nyour\nentire\nbalance\nby\nthe\ndue\ndate\neach\nmonth.\nfor details.\ndetails.\nfor\nYour due date s at east 25 days after the c ose of each b ng\nHow to Avoid Paying\ntoWe\n$1.\nminimum\ninterest\ncharge\nvaries by state.\nSee\nMinimum Interest Charge None\ncyc e.due\nw The\nnot\ncharge\nyou\nnterest\non\npurchases\nf you\npay\nYour\ndate\nis\nat\nleast\n25\ndays\nafter\nthe\nclose\nof\neach\nbilling\nHow\nto\nAvoid\nPaying\nInterest\non\nPurchases\nYour\ndue\ndate\nis\nat\nleast\n25\ndays\nafter\nthe\nclose\nof\neach\nbilling\nHow to Avoid Paying\nParagraph\n5ba\nofnot\nthecharge\nRetail\nCredit\nAgreement\nfor pay\ndetails.\nyour ent\nrewill\nance\nby theInstallment\ndueinterest\ndate each\nmonth.\ncycle.\nWe\nyou\non\npurchases\nif\nyou\ncycle. We will not charge you interest on purchases if you pay\nInterest on\non Purchases\nPurchases\nInterest\nyour entire\nentire balance\nbalance by\nby the\nthe due date\ndate each\neach month.\nmonth.\nyour\nlearn\nabout\nto consider\nwhen\nfor or\nNone\nto more\n$1. The\nm nfactors\nmumdue\nnterest\ncharge\nvarapplying\nes by state.\nSee\nFor\nCredit Card\nTipsCharge\nfrom To\nMinimum\nInterest\nusing\na\ncredit\ncard,\nvisit\nthe\nwebsite\nof\nthe\nConsumer\nFinancial\nParagraph\nof the\nReta Insta\nment\nCred tvaries\nAgreement\nfor See\ndeta s.\nNone\nto $1.\n$1.5 The\nThe\nminimum\ninterest\ncharge\nvaries\nby state.\nstate.\nSee\nthe\nConsumer\nFinancial\nto\nminimum\ninterest\ncharge\nby\nMinimum\nInterest\nCharge None\nMinimum\nInterest\nCharge\nProtection\nBureau\nat:\nParagraph\n5\nof\nthe\nRetail\nInstallment\nCredit\nAgreement\nfor\ndetails.\nProtection Bureau\nParagraph\n5 ofabout\nthe Retail\nInstallment\nCredit\nAgreement\nfor or\ndetails.\nTo earn more\nfactors\nto cons der\nwhen\napp y ng for\nFor Credit Card Tips from http://www.consumerfinance.gov/learnmore.\nus learn\nng a cred\ns t the to\nwebs\nte of the\nConsumer\nnanc\nmoret card,\naboutvfactors\nconsider\nwhen\napplyingF for\nor a\nthe Consumer\nFor\nCredit CardFinancial\nTips from To\nFees\nProtect\non\nBureau\nat:\nProtection\nBureau\nusing a credit card, visit the website of the Consumer Financial\nthe\nConsumer\nFinancial\nhttp://www.consumerfinance.gov/learnmore.\nProtection\nBureau at:\nAnnual\nFee Bureau\nNone\nProtection\nhttp://www.consumerfinance.gov/learnmore.\nFees\nPenalty Fees\nUp\nto $39. This fee varies by state. See Paragraph 11.B of the\nFees\nNone\nAnnual Fee\n\xe2\x80\xa2 Late Payment\nRetail Installment Credit Agreement for details.\nNone\nAnnual\nPenaltyFee\nFees\nUp\nUp to\nto $39.\n$37. This\nTh s fee\nfee varies\nvar es by\nby state.\nstate. See\nSee Paragraph\nParagraph 11.A\n11.B of\nof the\nthe\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2Penalty\nLate Payment\nRetail\nCreditt Agreement\nfor\nFees\nRetato Installment\nInstaThis\nment\nfor details.\ndeta s.\nUp\n$37.\nfeeCred\nvariesAgreement\nby state. See\nParagraph\n11.B of the\n\xe2\x80\xa2\xe2\x80\xa2 Late\nPayment\nUp\nto\n$37.\nTh\ns\nfee\nvar\nes\nby\nstate.\nSee\nParagraph\n11.A of the\nRetail Installment Credit Agreement for details.\nReturned\nHow\nWe WillPayment\nCalculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\nReta Insta ment Cred t Agreement for deta s.\nUpand\nto NM;\n$37.we\nThis\nvaries called\nby state.\nSee Paragraph\n11.A\nof the new\npurchases)\xe2\x80\x9d\nall states except MN\nusefee\na method\n\xe2\x80\x9caverage\ndaily balance\n(excluding\n\xe2\x80\xa2 ReturnedinPayment\nRetail\nInstallment\nCredit\nAgreement\nfor more\ndetails.\npurchases)\xe2\x80\x9d\nin Calculate\nMN and NM.\nSeeBalance:\nthe\nRetail\nInstallment\nCreditca\nAgreement\nfor\nHow We Will\nYour\nWe\nuse a method\ned \xe2\x80\x9caverage\nda\ny details.\nba ance ( nc ud ng new\n\npurchases)\xe2\x80\x9d\nn aInformation\nstates except\nand\nNM we\nuse a method\nca ed \xe2\x80\x9caverage\nba ance (exc\nng new\nBilling\nRights:\nonMN\nyour\nrights\nto dispute\ntransactions\nand howdatoyexercise\nthoseudrights\nis\nHow\nWe Willn Calculate\nYour\nuse ment\na method\n\xe2\x80\x9caverage\ndaily deta\nbalance\npurchases)\xe2\x80\x9d\nMN and NM\nSeeBalance:\nthe RetaWe\nInsta\nCred tcalled\nAgreement\nfor more\ns (including new\nprovided\nin\nyour\nRetail\nInstallment\nCredit\nAgreement.\npurchases)\xe2\x80\x9d\nin allInformat\nstates except\nand\nNM; we\na method\ncalled\nbalance\nnews\nBilling Rights:\non onMN\nyour\nr ghts\nto duse\nspute\ntransact\nons\xe2\x80\x9caverage\nand howdaily\nto exerc\nse (excluding\nthose r ghts\npurchases)\xe2\x80\x9d\nin\nMN\nand\nNM.\nSee\nthe\nRetail\nInstallment\nCredit\nAgreement\nfor\nmore\ndetails.\npurchases)\xe2\x80\x9d\nin\nMN\nand\nNM.\nSee\nthe\nRetail\nInstallment\nCredit\nAgreement\nfor\nmore\ndetails.\nSTERLING\nJEWELERS\xc2\xae\nRETAIL\nINSTALLMENT\nCREDIT AGREEMENT\nprov ded FAMILY\nn yourOF\nReta\nInsta ment\nCred\nt Agreement\nBilling\nRights:\nInformation\nyour\nrights\ndispute\ntransactions\nand\nhow\nto\nexercise\nthose\nrights\nis\nBilling\nRights:\nInformation\non\nyour\nrights to\nto\ndispute\ntransactions\nandthe\nhow\nto \xe2\x80\x9cyou\xe2\x80\x9d\nexercise\nthoserefer\nrights\nis\nIn this Sterling\nFamily\nof Jewelers\xc2\xaeon\nRetail\nInstallment\nCredit\nAgreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d),\nwords\nand \xe2\x80\x9cyour\xe2\x80\x9d\nto any\nprovided\nyour\nInstallment\nCredit\nAgreement.\nKAY JEWELERS\nAND\nKAY\nJEWELERS\nOUTLET\nRETA\nL NSTALLMENT\nT AGREEMENT\nperson\nwhoin\ntheRetail\nApplication\nfor this\nAccount\nor\nthis\nAgreement, orCRED\nhas requested\nand is issued a Sterling Family of Jewelers\nprovided\ninsigns\nyour\nRetail\nInstallment\nCredit\nAgreement.\n\ncredit card. \xe2\x80\x9cWe\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Sterling Jewelers Inc., doing business under each of the following brands: J.B. Robinson\nn h JEWELERS\ns KayMarks\nJewe AND\ne sMorgan\nand\nKay\nJewe e sShaw\xe2\x80\x99s\nOu\ne Jewelers,\nReRETAIL\na ns Belden\naINSTALLMENT\nmen Jewelers,\nC ed Ag\neemenAGREEMENT\n\xe2\x80\x9cAg\neemenWeisfield\n\xe2\x80\x9d he wo\nds \xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyou\n\xe2\x80\x9d ee\nJewelers,\n&\nJewelers,\nOsterman\nJewelers,\nJewelers,\nLeRoy\xe2\x80\x99s\nJewelers,\nKAY\nKAY\nJEWELERS\nOUTLET\nCREDIT\nKAY\nJEWELERS\nAND\nKAYhe\nJEWELERS\nINSTALLMENT\nCREDIT\nAGREEMENT\no any\npeJewelers,\nson who\ns gns\nApp Jewelers,\nca onOUTLET\no P.O.\nh sRETAIL\nAccoun\no Akron,\nh s AgOH\neemen\no has\neques ed\nand make\ns ssued\nathe\nKay\xe2\x80\x9cSterling\nJewe e sFamily\nand Kay\nRogers\nand\nGoodman\nBox\n3680,\n44309-3680\n(these\nbrands\nup\nof\nJewe\neKay\ns\xc2\xaeOu\ne c edand\ncaKay\nd \xe2\x80\x9cWe\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9dOutlet\nand \xe2\x80\x9cou\n\xe2\x80\x9d eInstallment\ne o S e Credit\nng Jewe\ne s nc d(\xe2\x80\x9cAgreement\xe2\x80\x9d),\nb a Kay Jewe ethe\ns and\nKay\xe2\x80\x9cyou\xe2\x80\x9d\nJeweand\ne s\xe2\x80\x9cyour\xe2\x80\x9d\nOu e refer\nPO\nIn\nthis\nJewelers\nJewelers\nRetail\nAgreement\nwords\nitsonsubsidiaries\naffiliates,\nand\nany\nperson\nto awhom\nthis\nAgreement,\nyour\nAccount,\nand/or\namount\ndue\non\nyour\nJewelers\nIn\nthis\nKay\xe2\x80\x9d),\nJewelers\nand\nKay and\nJewelers\nOutlet\nRetail\nInstallment\nCredit\nAgreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d),\nthe\nwordsany\n\xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cyour\xe2\x80\x9d\nrefer\nBox\n3680\nAk\nOH\n44309\n3680\ns\nsubs\nd\na\nes\nand\na\nfi\nes\nand\nany\npe\nson\no\nwhom\nh\ns\nAg\neemen\nyou\nAccoun\nand\no\nto\nany person\nwho\nsigns\nthe\nApplication\nfor\nthis\nAccount\nor\nthis\nAgreement,\nor\nhas requested\nand\nis issued\na Kay\nand\nKay\nAccount\nmaydue\nbe on\nassigned.\n\xe2\x80\x9cAccount\xe2\x80\x9d\nthe\nAccount\nwill be you\nestablished\nande sgoverned\nthise Agreement.\n\xe2\x80\x9cAuthorized\nto\nperson\nwho\nsigns\nthe\nApplication\nforass\nthisgned\nAccount\nor that\nthis\nAgreement,\nor\nrequested\nand\nissued\nKayeJewelers\nJewelers\nand\nKay\nanyany\namoun\nyou\nAccoun\nmay means\nbe\n\xe2\x80\x9cAccoun\n\xe2\x80\x9d means\nKayhas\nJewe\nand\nKayisby\nJewe\nsaOu\nAccoun\nwhP.O.\nch\nJewelers\nOutlet\ncredit\ncard.\n\xe2\x80\x9cWe\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9d\nand\n\xe2\x80\x9cour\xe2\x80\x9d\nto\nSterling\nJewelers\nInc.,\nd/b/a\nKay\nJewelers\nand\nKay\nOutlet,\nUser\xe2\x80\x9d\nmeans\nany\nperson\nyou\npermit\nto\nyourrefer\nAccount\nor who\nhasson\napparent\nauthority\ntoyou\ndo so.\nmeans\nanyappa\naccess\nJewelers\nOutlet\ncredit\ncard.\n\xe2\x80\x9cWe\xe2\x80\x9d\n\xe2\x80\x9cus\xe2\x80\x9d\xe2\x80\x9cAu\nanduse\n\xe2\x80\x9cour\xe2\x80\x9d\nrefer\ntomeans\nSterling\nJewelers\nInc.,\nd/b/a\nKay\nJewelers\nand\xe2\x80\x9cCard\xe2\x80\x9d\nKay oJewelers\nJewelers\nOutlet,\nP.O.\nw\nbe\ngove\nned\nby\nh\ns\nAg\neemen\nho\nzed\nUse\n\xe2\x80\x9d\nany\npe\nyou\npe\nm\no\nuse\nAccoun\nwho\nhas\nen\nBox\n3680,\nAkron,\nOH\n44309-3680,\nits\nsubsidiaries\nand\naffiliates,\nand\nany\nperson\nto\nwhom\nthis\nAgreement,\nyour\nAccount,\nand/or\ndevice\nor\nby\nwhich\nthe Account\nmay bedev\naccessed,\nthe\nAccount\nnumber.\n\xe2\x80\x9cAPR\xe2\x80\x9d\nmeans Annual\nRate.\nBox\n3680,\nOH\n44309-3680,\nits subsidiaries\nando affiliates,\nandwh\nany\nperson\nto whom\nthis\nyour\nAccount,\nand/or\nau ho\ny method\noAkron,\ndo so\n\xe2\x80\x9cCa\nd\xe2\x80\x9d\nmeans\nany\naccess\nce\nmeincluding\nhod\nby\nch\nhe Accoun\nmay\nbeAgreement,\naccessed\nnc\nudPercentage\nng he Accoun\nany\namount\ndue\non\nAccount\nmay\nbe\nassigned.\n\xe2\x80\x9cAccount\xe2\x80\x9d\nmeans\nyour\nKay\nJewelers\nand\nJewelers\nOutlet\nAccount,\nwhich\nany\namount\ndue\non your\nyourCharges\xe2\x80\x9d\nAccount\nmay\nbe\nassigned.\n\xe2\x80\x9cAccount\xe2\x80\x9d\nmeans\nyour\nKay\nJewelers\nandheKay\nKay\nJewelers\nOutlet\nAccount,\nwhich\n\xe2\x80\x9cInterest\xe2\x80\x9d\nand\n\xe2\x80\x9cInterest\nmean\nthe\nperiodic\nfinance\ncharges\nthat\nare\ncalculated\npursuant\nto\nParagraph\n5.\nnumbe\n\xe2\x80\x9cAPR\xe2\x80\x9d\nmeans\nAnnua\nPe\ncen\nage\nRa\ne\n\xe2\x80\x9c\nn\ne\nes\n\xe2\x80\x9d\nand\n\xe2\x80\x9c\nn\ne\nes\nCha\nges\xe2\x80\x9d\nmean\npe\nod\nc\nfinance\ncha\nges\nha\nae\nwill be governed by this Agreement. \xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you permit to use your Account or who has apparent\nca cubea governed\ned pu suan\no PaAgreement.\nag aph 5 \xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you permit to use your Account or who has apparent\nwill\nby\xe2\x80\x9cCard\xe2\x80\x9d\nthis\nauthority\nto\ndo\nso.\nmeans\nany\naccess\ndevice\nor\nmethod\nby\nwhich\nthe\nAccount\nmay\nbe\naccessed,\nincluding\nthe\nAccount\n1. Promise\nto Pay:\nYou promise\nto pay\nus for\nall credit\nextended\non this\nand\nallbeother\namounts\nowed the\nto us\nunder\nauthority\nto do\nso.\n\xe2\x80\x9cCard\xe2\x80\x9d\nmeans\nany\naccess\ndevice\nor method\nby which\ntheAccount\nAccount\nmaythe\naccessed,\nincluding\nAccount\nnumber.\nmeans\nPercentage\nand\n\xe2\x80\x9cInterest\nmean\nfinance\ncharges\nthat are\n1 Pterms\nom \xe2\x80\x9cAPR\xe2\x80\x9d\nseofothis\nPay\nYouAnnual\np om se\no are\npay responsible\nus Rate.\no a \xe2\x80\x9cInterest\xe2\x80\x9d\nc ed\non h s Charges\xe2\x80\x9d\nAccoun\nand\no heperiodic\namoun\ns and\nowedany\no us\nunde\nhe\nthe\nAgreement.\nYou\nfor ex\nanyended\ntransactions\nyou make\nora otherwise\nincur\ntransactions\nnumber.\n\xe2\x80\x9cAPR\xe2\x80\x9d\nmeans\nAnnual\nPercentage\nRate.\n\xe2\x80\x9cInterest\xe2\x80\x9d\nand\n\xe2\x80\x9cInterest\nCharges\xe2\x80\x9d\nmean\nthe\nperiodic\nfinance\ncharges\nthat are\ncalculated\npursuant\nto\nParagraph\n5.\ne ms o hpursuant\ns Ag eemen\nYou a e 5.espons b e o any ansac ons you make o o he w se ncu and any ansac ons ncu ed by\ncalculated\nto Paragraph\nanyone e se you have au ho zed o use h s Accoun You a e a so espons b e o he use o each Ca d ssued on h s Accoun\n1.\nto Pay:add\nYou promise\nto on\npay us for\nall credit\nthis\nandmay\nall other\nto Use\nus under\nthe\nYouPromise\nmay eques\nCa ds\nAccoun\no extended\nyou se oon\nhe Account\ns and you\npe mamounts\nan Au owed\nho zed\no have\n1.\nPromise\nPay: You ona\npromise\nto pay huss for\ncredit\nextended\non othis\nAccount\nand allincur\nother\namounts\nowed\nto usincurred\nunder\nthe\nterms\nof thistoAgreement.\nYou are responsible\nforallany\ntransactions\nyou\nmake\nor otherwise\nand\nany transactions\nby\nterms\nof\nthis\nAgreement.\nYou\nare\nresponsible\nfor\nany\ntransactions\nyou\nmake\nor\notherwise\nincur\nand\nany\ntransactions\nincurred\nby\nanyone else\nyou haves Sauthorized\n94188_418594\n60005_Genes\ne ng_ 5 nddto1use this Account. You are also responsible for the use of each Card issued on this Account.\nanyone\nyou have\nauthorized\nto use\nthis Account\nAccount.for\nYouyourself\nare alsoor\nresponsible\nforyou\nthe may\nuse ofpermit\neach Card\nissued on this\nYou\nmayelse\nrequest\nadditional\nCards\non this\nothers, and\nan Authorized\nUserAccount.\nto have\nYou may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have\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\naccess\nthe Card\nor Account\nnumber.\nHowever,\nif you do\nfor\nall to\ncharges\nmade\nby those\npersons.\nSee Paragraph\nso, you\nmust\nusorforAccount\nall charges\nmade\nby those ifpersons.\n23\nfor to\ndetails.\nWhen\nyou\nsign\nthe\nApplication\nfor\naccess\nthe pay\nCard\nnumber.\nHowever,\nyouthis\ndo\naccess\nto\nthe pay\nCard\norfor\nAccount\nnumber.\nHowever,\nifpersons.\nyou\ndo\nSeeyou\nParagraph\n23 us\nfor\ndetails.\nWhen\nyou sign\nthe\nApplication\nAccount,\nyou\nwill\nbe\nagreeing\nto everything\nwritten\nhere.\nso,\nmust\nall charges\nmade\nby those\nso,\nmust\npay\nus\nfor\nall\ncharges\nmade\nby the\nthose\npersons.\nfor you\nthis\nAccount,\nwill\nbe\nagreeing\neverything\nwritten\nSee\nParagraph\n23 you\nfor\ndetails.\nWhen\nyoutosign\nApplication\nTherefore,\nbefore\nyou\nsign\nthe Application,\nyou\nshould\nSee\nParagraph\n23before\nfor details.\nWhen\nyou\ntheyou\nApplication\nhere.\nTherefore,\nyoubesign\ntheinformation\nApplication,\nyouprovide\nshould\nfor\nthis\nAccount,\nyou\nwill\nagreeing\ntosign\neverything\nwritten\nread\nthis\nentire\nAgreement.\nThe\nfor\nthis\nAccount,\nyou\nwill\nbe\nagreeing\nto\neverything\nwritten\nread\nthis\nentire\nAgreement.\nThe\ninformation\nyou\nprovide\nhere.\nTherefore,\nbefore\nyou\nsign\nthe\nApplication,\nyou\nshould\non\nApplication\nthat\nidentifies\nyou\nis\nin\nhere.\nTherefore,\nsign\ntheinformation\nApplication,\nyouprovide\nshould\non the\nthe\nApplication\nthatyou\nidentifies\nyou\nis incorporated\nincorporated\nin\nread\nthis\nentire before\nAgreement.\nThe\nyou\nthis\nAgreement\nby\nreference.\nThis\nAgreement\nwill\nnot\nbe\nread\nthis\nentire\nAgreement.\nThe\ninformation\nyou\nprovide\nthis\nAgreement\nby\nreference.\nThis\nAgreement\nwill\nnot\nbe\non\nthe Application\nthat\nidentifies\nyou isyour\nincorporated\nin\neffective\nunless\nand\nuntil\nwe\napprove\nApplication.\non\nthe Application\nthat\nidentifies\nyou isyour\nincorporated\nin\neffective\nunless by\nandreference.\nuntil\nweThis\napprove\nApplication.\nthis\nAgreement\nAgreement\nwill not\nnot be\nbe\nthis\nAgreement\nby reference.\nThis Agreement\nwill\neffective\nunless\nand\nuntil\nwe\napprove\nyour\nApplication.\n2.\nBalances:\nEach\ntransaction\nor\ngroup\nof\ntransactions\neffective\nunless\nandterms\nuntil (such\nwe approve\nyour Application.\nsubject to\nto the\nthe same\nsame terms\nas the\nthe applicable\napplicable APR\nAPR and\nand\nsubject\n(such or\nas\n2.\nBalances:\nEach\ntransaction\ngroup\nof balance.\ntransactions\nduration)\nshall\nbe\nconsidered\npart\nof\nthe\nsame\nThe\n2.\nBalances:\nEach\ntransaction\nor\ngroup\nof\ntransactions\nduration)\nshall\nbe\nconsidered\npart\nof\nthe\nsame\nbalance.\nThe\nsubject\ntosubject\nthe same\nsame\nterms\n(suchAPR\nas the\nthe\napplicable\nAPR\nand\nbalance to\nto the\nthe\nRegular\nandapplicable\nthe other\notherAPR\nregular\nsubject\nthe\nterms\n(such\nas\nand\nbalance\nsubject\nto\nRegular\nand\nthe\nregular\nduration)\nshall\nbe\nconsidered\npartAPR\nof\nthe\nsame\nbalance.\nThe\nterms set shall\nforthbe\nin considered\nthis Agreement\nis your\nAccount\xe2\x80\x99s\nregular\nduration)\npart\nof\nthe\nsame\nbalance.\nThe\nterms\nsetsubject\nforth\nintothis\nAgreement\nis your\nAccount\xe2\x80\x99s\nbalance\ntheyour\nRegular\nAPR\nandbalance\nthe other\nother\nregular\nbalance.\nWe\ncalculate\ntotal APR\nregular\neachregular\nbilling\nbalance\nsubject\nto the\nRegular\nand\nthe\nbalance.\ncalculate\nyour\ntotal\nregular\nbalance\neachregular\nbilling\nterms\nsetWe\nforth\ninthe\nthisregular\nAgreement\nis your\nyour\nAccount\xe2\x80\x99s\nregular\ncycle by\ntaking\nbalance\nfor\nthe prior\nbilling\nterms\nset\nforth\nin\nthis\nAgreement\nis\nAccount\xe2\x80\x99s\ncycle\ntaking\nregular\nbalance\nfor\nthe prior\nbalance.\nWe\ncalculate\nyourpurchases,\ntotal\nregular\nbalance\neach\nbilling\ncycle, by\nadding\nany the\nregular\nfees,\nInterest\nCharges,\nbalance.\nWe\ncalculate\nyour\ntotal\nregular\nbalance\neach\nbilling\ncycle\nby\ntaking\nthe\nregular\nbalance\nfor Interest\nthe\nprior\nbilling\ncycle,\nadding\nany\nregular\npurchases,\nfees,\nCharges,\nother by\nfinance\ncharges,\nand\nother\ndebits,\nand prior\nsubtracting\ncycle\ntaking\nthe\nregular\nbalance\nfor\nthe\nbilling\ncycle,\nadding\nany\nregular\npurchases,\nfees,\nInterest\nCharges,\nother\nfinance any\ncharges,\nother\nand subtracting\nany payments\nor regular\nother and\ncredits,\nas debits,\noffees,\nthe Interest\nclosing\ndate for\ncycle,\nadding\npurchases,\nCharges,\nother\nfinancecycle.\ncharges,\nand\nother\ndebits,\nand subtracting\nsubtracting\nthat payments\nbilling\nBalances\nsubject\npromotional\nterms\nany\nor other\ncredits,\nas debits,\noftothe\nclosing\ndate\nfor\nother\nfinance\ncharges,\nand\nother\nand\nany\npayments\nor balances.\nother\ncredits,\nas of\noftothe\nthe\nclosing\ndate\nfor\nare promotional\nWe\ncalculate\nthe\ntotaldate\nofterms\nany\nany\npayments\nor\nother\ncredits,\nas\nclosing\nfor\nthat\nbilling cycle.\nBalances\nsubject\npromotional\nthat\nbilling cycle.\ncycle.\nBalances\nsubject\nto\npromotional\nterms\npromotional\nbalance\nby adding\nthe to\npromotional\nthat\nbilling\nBalances\nsubject\npromotional\nare\npromotional\nbalances.\nWe\ncalculate\nthe totalpurchase\nofterms\nany\nare\npromotional\nbalances.\nWe calculate\ncalculate\nthe total\ntotalpurchase\nof any\nany\nfor that\nbalance\nand by\nsubtracting\npayments\nallocated\nare\npromotional\nbalances.\nWe\nthe\nof\npromotional\nbalance\nadding\ntheanypromotional\npromotional\nbalance\nbysubtracting\nadding\ntheany\npromotional\npurchase\nto that\nor other\ncredits.\nYou purchase\nauthorize\npromotional\nbalance\nby\nadding\nthe\npromotional\nfor\nthatpromotional\nbalance\nandbalance\npayments\nallocated\nfor\nthatallocate\nbalance\nsubtracting\nany among\npayments\nus to\nanyand\npayment\nor credit\nyourallocated\nregular\nto\nthat\npromotional\nbalance\nor\nother\ncredits.\nYou\nauthorize\nandthat\npromotional\nbalances,\nin\nany\nmanner,\nincluding\nin a\nto\npromotional\nbalance\nor\nother\ncredits.\nYou\nauthorize\nus\nto allocate\nany\npayment\norto credit\namong\nyour\nregular\nmanner\nthat may\nbepayment\nbeneficialor\nus, except\nwhere\notherwise\nus\nto allocate\nany\ncredit\namong\nyour\nregular\nand\npromotional\nbalances,\nin\nany\nmanner,\nincluding\nin\nprohibited\nby applicable\nlaw. The\ntotalmanner,\nof your regular\nbalance\nand\npromotional\nbalances,\nin any\nincluding\nin aa\nmanner\nthat\nmay be\nbe beneficial\nbeneficial\ntoisus,\nus,\nexcept\nwhere\notherwise\nand any that\npromotional\nbalancesto\ntheexcept\n\xe2\x80\x9cNew where\nBalance\xe2\x80\x9d\nshown\nmanner\nmay\notherwise\nprohibited\nby applicable\napplicable law.\nlaw. The\nThe total\ntotal of\nof your\nyour regular\nregular balance\nbalance\non your statement.\nprohibited\nby\nand\nany\npromotional\nbalances\nis\nthe\n\xe2\x80\x9cNew\nBalance\xe2\x80\x9d\nshown\nand\nany\npromotional\nbalances\nis\nthe\n\xe2\x80\x9cNew\nBalance\xe2\x80\x9d\nshown\n3. Your Regular Annual Percentage Rate: If Interest Charges\non\nyour\nstatement.\n(which are FINANCE CHARGES) are assessed during a billing\ncycle,\nwill useAnnual\nthe following\nAnnual\nPercentage\n(the\n3.\nYour\nRegular\nPercentage\nRate:\nIf\nCharges\n3.\nYourwe\nRegular\nAnnual\nPercentage\nRate:\nIf Interest\nInterestRate\nCharges\n\xe2\x80\x9cRegular\nAPR\xe2\x80\x9d)\nandCHARGES)\ncorresponding\nmonthlyduring\nperiodic\nrate,\n(which\nare\nFINANCE\nare\nassessed\naa billing\n(which\nare\nFINANCE\nCHARGES)\nare\nassessed\nduring\nbilling\nsubject to will\nany promotional\nterms:\ncycle,\ncycle, we\nwe will use\nuse the\nthe following\nfollowing Annual\nAnnual Percentage\nPercentage Rate\nRate (the\n(the\n\xe2\x80\x9cRegular APR\xe2\x80\x9d) and corresponding monthly periodic rate,\n\xe2\x80\x9cRegular\nAPR\xe2\x80\x9d)\nand\ncorresponding\nmonthly\nperiodic\nrate,\nsubject to any promotional terms:\nsubject to any promotional\nWe app terms:\ny he\nANNUAL\nyou es de n\nhe s a e o\nIf you reside in\nthe state of:\nAL\n\nAL\nAR\nAL\nCO GA\nAR\nMS OK TN\nAR\nTX VT WY\nCO,\nCO, GA,\nGA,\nMS,\nDC OK,\nMD\nMS,\nOK, TN,\nTN,\nTX,\nVT,\nWY\nTX,\nVT, MN\nWY NC\nH MA\nDC,\nMD\nDC,\nN MMD\nNY OH WV\nHI,\nMA,\nHI, MA, MN,\nMN, NC\nNC\nNE\nIN,\nMI,\nNY,\nOH,\nIN, MI, NY, OH, WV\nWV\n\nmon h y\npe apply\nod c athe\neo\nWe\nmonthly\n1 75% o rate\n$750of:\n00\nperiodic\nperiodic\nrate\nof:\n1 5% ove $750 00\n1.75%\nto\n1.75%\nto $750.00\n$750.00\n1 4167%\n1.5%\n1.5% over\nover $750.00\n$750.00\n\nPERCENTAGE\nRATE\nANNUAL\nPERCENTAGE\n21%\nRATE\nRATE\n18%\n21%\n21%\n17%\n18%\n18%\n\n1.4167%\n1 75%\n1.4167%\n\n17%\n21%\n17%\n\n1.75%\n2 0%\n1.75%\n1 5%\n2.0%\n2.0%\n2\n0825%\n1.5%\n1 75% o $499 99\n1.5%\n\n21%\n24%\n21%\n18%\n24%\n24%\n24 99%\n18%\n18%\n21%\n1 5% o $500 00 and 24.99%\n2.0825%\n2.0825%\n24.99%\n18%\nmo\ne\n1.75% to $499.99\n1.75% to $499.99\n21%\nNE\n1.5%\nfor $500.00 and 21%\nA o he s a es\n2 4992%\n29 99%\nNE\n1.5% for $500.00 and 18%\n18%\nmore\nmore\nAll otherlaw\nstates\n2.4992%\n29.99%\nFederal\nprovides\nimportant protections\nto members\nAll\nother\nstates\n2.4992%\n29.99% relating to\nof the Armed Forces\nand their dependents\nextensions of consumer credit. In general, the cost of\nFederal law provides important protections to members\nFederal\nlaw provides\nprotections\nmembers\nS the\na e Armed\nmum\nRe u nedtorelating\nof\nForces important\nandMax\ntheir\ndependents\nto\nof the Armed\nForces andcredit.\ntheir Independents\nrelating\nto\nPaymen\nFee\nextensions\nof consumer\ngeneral, the\ncost of\nextensions\nof consumer credit.\nIn general, the cost of\nAK KY LA ME NH\n$37 00\n\nbalance will be the greater of 5% of the regular purchase\nFederal law provides important protections to members\nbalance(s), or $30. The minimum payment for your regular\nof the Armed Forces and their dependents relating to\nbalance will never exceed the regular balance.\nextensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his\nIf your billing statement shows a promotional balance (such\nor her dependent may not exceed an annual percentage rate\nas a \xe2\x80\x9cNo Interest\xe2\x80\x9d balance, a \xe2\x80\x9cReduced Interest Rate\xe2\x80\x9d balance,\nof 36 percent. This rate must include, as applicable to the\nand/or an \xe2\x80\x9cEighteen (18) Month\xe2\x80\x9d balance), the minimum\ncredit\ntransaction\nor\naccount:\nThe\ncosts\nassociated\nwith\nconsumer credit to a member of the Armed Forces and his\nbalance(s),\n$30.\nThe minimum\npayment for\nregular\npayment\nfororthis\nbalance\nshall be calculated\nas your\nspecified\nin\ncredit\nfees\nproducts\nor her insurance\ndependent\nmay\nnot exceed\nan ancillary\nannual\nrate\nbalance will7.or\nnever\nthenoRegular\nBalance.\nconsumer\ncredit premiums;\nto\na member\nof for\nthe\nArmed percentage\nForces\nandsold\nhis\nbalance(s),\n$30.exceed\nThe minimum\npayment\nfor your\nregular\nParagraph\nThere\nshall\nbe\nseparate,\nadditional\nminimum\nconsumer\ncredit\nto\narate\nmember\nof\nthe\nArmed\nForces\nand\nhis\nbalance(s),\nor\n$30.exceed\nThe minimum\npayment\nfor your regular\nin\nwith\nthe\ncredit\ntransaction;\napplication\nfee\nof connection\n36 percent.\nThis\nmust\ninclude,\nasany\napplicable\nto rate\nthe\nor\nher\ndependent\nmay\nnot\nexceed\nan annual\npercentage\nbalance\nwill\nnever\nthe Regular\nBalance.\npayment\ncomponent\nforshows\nnon-regular,\nnon-promotional\nIf your billing\nstatement\na promotional\nbalance (such\nor\nher\ndependent\nmay\nnot\nexceed\nan annual\npercentage\nrate\nbalance\nwill\nnever\nexceed\nthea Regular\nBalance.\ncredit\ntransaction\norrate\naccount:\nThe\ncosts\nassociated\ncharged\n(otherThis\nthan\ncertain\napplication\nfor specified\nof\n36 percent.\nmust\ninclude,\nasfees\napplicable\ntowith\nthe\nbalance\nunless\nwe\nprovide\nyou\nnotice\nof\nsuch\na Rate\xe2\x80\x9d\nrequirement.\nas\na\n\xe2\x80\x9cNo\nInterest\xe2\x80\x9d\nbalance,\na\n\xe2\x80\x9cReduced\nInterest\nbalance,\nIf\nyour\nbilling\nstatement\nshows\na\npromotional\nbalance\n(such\nof\n36\npercent.\nThis\nrate\nmust\ninclude,\nas\napplicable\nto\nthe\ncredit\ninsurance\npremiums;\nfees\nfor\nancillary\nproducts\nsold\nor account:\naccounts);The\nandcosts\nany participation\nfee\ncredit transactions\ntransaction or\nassociated with\nIf\nyour\nbilling\nstatement\nshows\na promotional\nbalance\n(such\nand/or\nan\n\xe2\x80\x9cEighteen\n(18)\nMonth\xe2\x80\x9d\nbalance),\nthe\nminimum\nas\na\n\xe2\x80\x9cNo\nInterest\xe2\x80\x9d\nbalance,\na\n\xe2\x80\x9cReduced\nInterest\nRate\xe2\x80\x9d\nbalance,\ncredit\ntransaction\nor\naccount:\nThe\ncosts\nassociated\nwith\nin connection\nthecertain\ncredit fees\ntransaction;\nany\napplication\nfee\n7.\nPromotional\nTerms:\nAt\nour\nsole\ndiscretion,\nwe\nmay\noffer\ncharged\n(otherwith\nthan\nparticipation\nfees\nfor a credit\ncredit\ninsurance\npremiums;\nfor ancillary\nproducts\nsold\nas\na \xe2\x80\x9cNoan\nInterest\xe2\x80\x9d\nbalance,\naMonth\xe2\x80\x9d\n\xe2\x80\x9cReduced\nInterest as\nRate\xe2\x80\x9d\nbalance,\npayment\nfor\xe2\x80\x9cEighteen\nthis balance\nshall\nbe calculated\nin\nand/or\n(18)\nbalance),\nthespecified\nminimum\ncredit\ninsurance\npremiums;\nfor ancillary\nproducts\nsold\ncharged\n(other\nthan\napplication\nfeesapplication\nfor specified\nyou\npromotional\nterms\nfor\naMonth\xe2\x80\x9d\nnew\npurchase\nor for\nanminimum\nexisting\ncard\naccount).\nin\nconnection\nwith\nthecertain\ncredit fees\ntransaction;\nany\nfee\nand/or\nan\n\xe2\x80\x9cEighteen\n(18)\nbalance),\nthe\nParagraph\n7.\nThere\nshall\nbe\nno\nseparate,\nadditional\nin\nconnection\nwith the\ncredit\ntransaction;\nanyparticipation\napplication fee\npayment\nfor\nthis\nbalance\nshall\nbe\ncalculated\nas\nspecified\nin\ncredit\ntransactions\nor\naccounts);\nand\nany\nbalance.\nAny\npromotion\nwill\nbe\nsubject\nto\nthe\nterms\nof\nthe\ncharged\n(other\nthan certainand\napplication\nfees of\nfor your\nspecified\npayment for\nthis balance\nbe calculatednon-promotional\nas specified in\ncomponent\nforbeshall\nanonon-regular,\nTo receive\nthis disclosure\na description\npaycharged\n(other\napplication\nfees\nfor\nParagraph\n7. offer\nThereand\nshall\nseparate,\nadditional\nminimum\nthanorcertain\nparticipation\nfees\nforspecified\na credit\npromotional\nthisbe\nAgreement.\nBelow\nisrequirement.\na description\nParagraph\n7.\nThere\nshall\nno notice\nseparate,\nadditional\nminimum\ncredit\ntransactions\naccounts);\nand any\nanyorally,\nparticipation\nfee\nbalance\nunless\nwe\nprovide\nyou\nof\nsuch\na\nment\nobligation\nunder\nthis\nagreement\nplease\ncall\ncredit\ntransactions\nor\naccounts);\nand\nparticipation\nfee\npayment\ncomponent\nfor\na\nnon-regular,\nnon-promotional\ncard\naccount).\nof\nsome\nof\nthe\npromotional\nterms\nthat\nwe\nmay\noffer\nin our\npayment component for a non-regular, non-promotional\ncharged\n(other than\nthan certain\ncertain participation\nparticipation fees\nfees for\nfor aa credit\ncredit\n1-866-875-5929.\ncharged\n(other\n7. Promotional\nTerms:\nour\nsole discretion,\nwe may offer\nbalance\nunless we\nwe\nprovide\nyou\nnotice\nof such\nsuch aa requirement.\nrequirement.\nsole\ndiscretion\nfrom\ntimeAttoyou\ntime.\nbalance\nunless\nprovide\nnotice\nof\nTo\nreceive\nthis\ndisclosure\nand\na\ndescription\nof\nyour\npaycard\naccount).\ncard\naccount).\nyou promotional terms for a new purchase or for an existing\n4.\nHow\nto Avoid under\nPayingthis\nInterest\non Purchases:\nYour due\nment\nobligation\nagreement\norally, please\ncall\n7.\nPromotional\nTerms:\nAt\nourPlans.\nsole\ndiscretion,\nwe\nmay\noffer\nNo\nInterest\nPaid\nin At\nFull\nIf any\nsingle\npurchase\n7.\nPromotional\nTerms:\nour\ndiscretion,\nwe\nmay\nbalance.\nAny Ifpromotion\nwill\nbesole\nsubject\nto the\nterms\nofoffer\nthe\nTo\nreceive\nthis\ndisclosure\nand\na\ndescription\nof\nyour\npaydate\nis\nat\nleast\n25\ndays\nafter\nthe\nclose\nof\neach\nbilling\nTo\nreceive\nthis\ndisclosure\nand\na\ndescription\nof\nyour\npay1-866-875-5929.\nyou\npromotional\nterms\nfor\na\nnew\npurchase\nor\nfor\nan\nexisting\nis\ndesignated\nas\npurchased\nunder\na\nno\ninterest\nif\npaid\nin\nyou\npromotional\nterms\nfor\na\nnew\npurchase\nor\nfor\nan\nexisting\npromotional\noffer\nand\nthis\nAgreement.\nBelow\nis\na\ndescription\nment\nobligation\nunder\nthis\nagreement\norally,\nplease\ncall\ncycle.\nWe\nwill\nnot\ncharge\nyou\nInterest\nin\nany\nbilling\ncycle\nment obligation under this agreement orally, please call\nbalance.\nAny\npromotion\nwillInterest\nbe subject\nsubject\nto\nthe\nterms\nof\nthe\nfull\nplan,Any\nyou\nwill\npay no\non we\nthatthe\nbalance\nif our\nbalance.\npromotion\nwill\nbe\nto\nterms\nof\nthe\n4.\nHow\nto\nAvoid\nPaying\nInterest\non\nPurchases:\nYour\nof\nsome\nof\nthe\npromotional\nterms\nthat\nmay\noffer\nin\n1-866-875-5929.\nin which payments received (and if required by law,\n1-866-875-5929.\npromotional\noffer\nandtime\nthis\nAgreement.\nBelow\nis aa description\ndescription\npromotional\npurchase\nistoAgreement.\npaid\nin the\ndesignated\npromotional\noffer\nand\nthis\nBelow\nis\ndue dateissued)\nis at least\n25 due\ndaysdate\nafterequal\nthe close\nof each\nsole discretion\nfrom\ntime. in full\ncredits\nby Paying\nthe\nexceed\nthebilling\nNew\n4.\nHowWeto\ntowill\nAvoid\nInterest\nonor\nPurchases:\nYour\nof\nsome of\nof the\nthe\npromotional\nterms that\nthat\nwe\nmay\noffer in\nin our\nour\npromotional\ntime\nperiod (which\nmaywe\nbemay\n6 months,\n12\n4.\nHow\nAvoid\nPaying\nInterest\non\nPurchases:\nYour\ncycle.\nnot\ncharge\nyou\nInterest\nin\nany\nbilling\ncycle\nof\nsome\npromotional\nterms\noffer\nBalance,\nincluding\nany\npromotional\nplan\nbalances,\nshown\nNo\nInterest\nIf\nPaid\nin\nFull\nPlans.\nIf\nany\nsingle\npurchase\ndue\ndate payments\nis at\nat least\nleastreceived\n25 days\ndays (and\nafterifthe\nthe\nclose of\nof\neach\nbilling\nsole\ndiscretion\nfromperiod\ntime to\ntospecified\ntime. in the promotion).\nmonths,\nor another\nIf the\ndue\ndate\nis\n25\nafter\nclose\neach\nbilling\nin\nwhich\nrequired\nby\nlaw,\ncredits\nsole\ndiscretion\nfrom\ntime\ntime.\non your\nbilling\nstatement.\nis designatedpurchase\nas purchased\nunder\nno interest\nif the\npaidend\nin\ncycle.\nWe\nwill\nnot\ncharge\nyou or\nInterest\ninthe\nanyNew\nbilling\ncycle\npromotional\nis notIfa paid\ninsingle\nfull bypurchase\nissued)We\nbywill\nthe not\nduecharge\ndate equal\nexceedin\nBalance,\ncycle.\nyou\nInterest\nany\nbilling\ncycle\nNo\nInterest\nIf will\nPaidpay\ninbalance\nFull\nPlans.\nany\nfullthe\nplan,\nyou\nno Interest\nthat\nbalance\nif the\nNo\nInterest\nIf\nPaid\nin\nFull\nPlans.\nIfon\nany\nsingle\npurchase\nin\nwhich\npayments\nreceivedInplan\n(and\nif required\nrequired\nbyMN\nlaw,and\ncredits\nof\ndesignated\npromotional\nperiod,\nor\nif\nwe\ndo\nnot\nreceive\n5.\nCalculation\nof Interest:\nall states\nexcept\nNM,\nincluding\nany promotional\nbalances,\nshown\non\nyour\nin\nwhich\npayments\nreceived\n(and\nif\nby\nlaw,\ncredits\nis\ndesignated purchase\nas purchased\npurchased\nunder\nno ininterest\ninterest\nif paid\npaid in\nin\nis paid\nin aafull\nthe\ndesignated\nis\ndesignated\nas\nunder\nno\nif\nissued)\nby the\nthe\ndue date\ndate\nequalusing\nor exceed\nexceed\nthe New\nNew\nBalance,\napromotional\nrequired\nminimum\npayment\nwithin\n60\nof\nits\ndueifdate,\nbilling\nstatement.\nwe\ncalculate\nInterest\nCharges\nthe average\ndailyBalance,\nbalance\nissued)\nby\ndue\nequal\nor\nthe\nfull\nplan, you\nyou\nwill period\npay\nno (which\nInterest\non days\nthat\nbalance\nthe\npromotional\ntime\nmay\nbe 6balance\nmonths,\n12\nfull\nplan,\nwill\npay\nno\nInterest\non\nthat\nif\nthe\nincluding\nany\npromotional\nplan\nbalances,\nshown\non\nyour\nInterest\nwill bepurchase\ncharged\nto\naccount\nthe\nRegular\nAPR\nincluding\nany promotional\nbalances,\nshown\non\nmethod\n(including\ncurrent transactions).\nIn MN\nandand\nNM,your\nwe\npromotional\nis your\npaid\nin full\nfullin at\nin\nthe\ndesignated\n5. Calculation\nof Interest:\nInplan\nall states\nexcept\nMN\nNM,\nmonths, or another\nperiod\nspecified\nthethe\npromotion).\nIf\npromotional\npurchase\nis\npaid\nin\nin\ndesignated\nbilling\nstatement.\nfrom\nthe promotional\npurchase\ndate.\nSee\nParagraph\nfor\nbilling\nstatement.\ncalculate\nInterest\nCharges\nusing\npromotional\ntimepurchase\nperiod\n(which\nmay\nbe\n6 in\nmonths,\n12\nwe calculate\nInterest\nCharges\nusingthe\ntheaverage\naverage daily\ndaily balance\nbalance\nthe promotional\nbalance\nis not\npaid\nfull by3 the\npromotional\ntime\nperiod\n(which\nmay\nbe\n6\nmonths,\n12\ndetails.\nUnless\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\nmethod\n(excluding\ncurrent\ntransactions).\nWe\ncalculate\nmethod\n(including\ncurrent transactions).\nIn MNMN\nandand\nNM,NM,\nwe\nend of the\npromotional\nif we do not\n5.\nCalculation\nof Interest:\nIn all states except\nmonths,\nordesignated\nanother period\nspecifiedperiod,\nin the or\npromotion).\nIf\npromotional\nminimum\npayment,\nthenot\nrequired\nminimum\nInterest\nseparately\nforCharges\neach using\nbalance\nonaverage\nyour Account\nsubject\nwe\ncalculate\nInterest\nusingthe\nthe\naverage\ndaily balance\nthe\npromotional\npurchase\nbalance\nis\npaid60\nin days\nfull\nbyofthe\ncalculate\nInterest\nCharges\ndaily\nreceive\na required\nminimum\npayment\nwithin\nits\npayment\nthe promotional\nbalanceto\nwill\nbeor\nthe\namount\nof\nto different\nterms (including\nAPR\nand duration).\nWe\nmethod\n(including\ncurrent\ntransactions).\nIn MNWe\nandfigure\nNM, the\nwe\n(excluding\ncurrent\ntransactions).\ncalculate\ndue of\ndate,\nInterest\nwill promotional\nbe charged\nyour\naccount\nat not\nthe\nend\nthefor\ndesignated\nperiod,\nif we\ndo\nthe\npromotional\npurchase\n(less\nany down\npayment)\nInterest\napplying\nthe applicable\nInterest Charges\nseparately\nfor\neach using\nbalance\nyourmonthly\nAccount\nsubject\nRegular\nfrom\nthe promotional\npurchase\ndate.\nUnless\ncalculate\nInterestbyCharges\ntheonaverage\ndaily periodic\nbalance\nreceive\naAPR\nrequired\nminimum\npayment\nwithin\n60\ndaysdivided\nof its\nby\npromotional\nperiod,\nrounded\nupseparate\nto theaccount\nnearest\n$5.00\nrate\nto the(excluding\n\xe2\x80\x9caverage\ndaily\nbalance\xe2\x80\x9d\nfor duration).\nthat balance.\nget the\nto different\nterms (including\nAPR\nand\nWe To\nfigure\nthe\nthethe\npromotion\nstates\nthat\nis noto\npromotional\nmethod\ncurrent\ntransactions).\nWe\ncalculate\ndue\ndate,\nInterest\nwill\nbe there\ncharged\nyour\nat\nthe\nincrement.\nFor\nexample,\nif the promotion\nispayment\nfordate.\n12 months,\naverage separately\ndaily balance\nfor a balance\nbalance,\ntake\nthe beginning\nCharges\nbyfor\napplying\nthe applicable\nmonthly\nperiodic\nminimumAPR\npayment,\nthepromotional\nrequired\nminimum\nfor the\nInterest\neach\nonwe\nyour\nAccount\nsubject\nRegular\nfrom\nthe\npurchase\nUnless\nthe\nrequired balance\nminimum\npayment\nisnodetermined\nas follows:\nbalance\neach\nday,(including\nadd\nnew\ntransactions\n(except\nwe the\ndo\nrate\nto the\n\xe2\x80\x9caverage\ndailyany\nbalance\xe2\x80\x9d\nforduration).\nthat balance.\nget\npromotional\nbe\nthe is\namount\nof the promotional\nto\ndifferent\nterms\nAPR and\nWe To\nfigure\nthe\npromotion\nstates will\nthat\nthere\nseparate\n1/12th\nof the\npurchase\nprice\n(lessminimum\nany down\npayment)\nnot\nadd Charges\nin anybalance\nnew\ntransactions\nin MN\nand\nNM);\nsubtract\naverage\ndaily\nfor a balance,\nwe take\nthe beginning\npurchase\ndivided\nbythe\nthe\npromotional\nperiod,\nrounded\nup\nInterest\nby applying\nthe applicable\nmonthly\nperiodic\nminimum\npayment,\nrequired\npayment\nfor and\nthe\nrounded\nup tobalance\nthe\nnearest\n$5.00.\nHowever,\nif the\nthe\npromotion\nany\npayments\nor credits\nand\nLate\nFees,\nbalance\neach\nday,\nadd\nnewany\ntransactions\n(except\nweany\ndo\nto the nearest\n$5.00\nincrement.\nHowever,\npromotion\nrate\nto\nthe\n\xe2\x80\x9caverage\ndailyany\nbalance\xe2\x80\x9d\nfor\nthatPayment\nbalance.\nTo\nget\nthe\npromotional\nwill\nbe\nthe amount\nof ifthe\npromotional\nspecifies adivided\nminimum\npurchase\namount,\nin no case\nwill the\nthe\nReturned\nunpaid\nInterest\nCharges;\nnot add daily\ninPayment\nanybalance\nnew Fees,\ntransactions\nin\nMN\nand\nNM);\nsubtract\nminimum\namount,period,\nwill\naverage\nfor aand/or\nbalance,\nwe take\nthe beginning\npurchase\nby the\npromotional\nrounded\nup\nminimum\npayment\nless thanHowever,\nthe minimum\npurchase\nand\nother\nadjustments.\nThis\ngives\nthe(except\ndailyFees,\nbalance.\nany make\npayments\nor\ncredits\nany\nLate us\nPayment\nbalance\neach\nday,\nadd anyand\nnew\ntransactions\nweany\ndo\nto\nthe nearest\n$5.00 be\nincrement.\nif the promotion\namount divided\nby the\nwhich\nThen,\nweinadd\nupnew\nall the\ndailyand/or\nbalances\nfor the\nbilling\nand\nReturned\nPayment\nFees,\nunpaid\nInterest\nCharges;\npromotional\nnot\nadd\nany\ntransactions\nin\nMN\nand\nNM);cycle\nsubtract\nspecifies\na minimum\npurchase\namount,period,\nin no case\nwillmay\nthe\nshorten your\nrepayment\nperiod\ncertain\ninstances.\nand make\notherby\nadjustments.\ngives\nus\nthe\ndaily\nbalance.\ndivide\nthe total\nthe\nnumber\nofany\ndays\nin the\nbilling\ncycle.\nThis\nrepayment\nperiod\ninthe\ncertain\ninstances.\nThe\nany\npayments\nor\ncredits\nandThis\nLate\nPayment\nFees,\nany\nminimum\npayment\nbe less\nthanin\nminimum\npurchase\nae\nMax\nmum\nLa\nFeedivided\nminimum\npayment\nbe more period,\nThen, us\nwethe\nadd\nupSall\nthe\ndaily\nbalances\nfor\nthe\nbilling\ncycle\nande Paymen\nthan thewhich\nremaining\ngives\naverage\ndaily\nbalance.\nAny\nnegative\ndaily\nbalance\nReturned\nPayment\nFees,\nand/or\nunpaid\nInterest\nCharges;\namount\nbywill\nthenever\npromotional\nmay\ndivide\ntotal\nthe\nofLA\ndays\nthe\nbilling\ncycle.\nThis\npromotional\nbalance.\nthecertain\npromotion\npromotional\npurchase\nbalance.\nthe\npromotion\nstates that\nwill\nbethe\ntreated\nas\nzero.\nIf Interest\nCharges\nare$37\nimposed\nand $29 00\nAK\nARnumber\nCT\nH This\nMDin M\n00balance.\nexcep\nhe yourpurchase\nand\nmake\notherby\nadjustments.\ngives\nus the\ndaily\nshorten\nrepayment\nperiodIf in\ninstances.\nThe\nMaximum\nPayment\nFee\ngivestotal\nus\ndaily\nbalance.\nAny\nnegative\ndaily\nbalance\nis 99\nnopayment\nseparate\npromotional\nminimum\nthen\nthere\nseparatewill\nthe\nInterest\nresults\nfrom\napplication\nabove\nMN\nMS\nNV\nNH\nNY\nND\nouof\ns the\nand\nngLate\nba ance\ns $249\nThen,\nwethe\naddaverage\nupState\nallthat\nthe\ndaily\nbalances\nfor\nthe billing\ncycle\nand\nminimum\nnever be more\nthan payment,\nthe remaining\nwill bethe\ntreated\nas\nzero.\nIfPAInterest\nCharges\narewe\nand $29.00\nof\nthe promotional\nin\ntheif amount\nwill be included\ncalculation\nto each\nbalance\nisHI,\nless\nwill\nimpose\nOHthe\nOR\nSD\nWthan\no imposed\ness\ndivide\ntotal\nby\nnumber\nofLA,\ndays\nin$1.00,\nthe billing\ncycle.\nThis\npromotional\npurchase\nbalance. Ifbalance\nthe promotion\nstates that\nAK,\nAR,\nCT,\nMD,\nMI,\n$37.00\n(except\nthe\ntotal\nInterest\nthat\nresults\nfrom\napplication\nofa the\nabove\nyour\nregular\nbalancepromotional\nfor the purpose\nof calculating\nyour\natheminimum\nInterest\nCharge\nof\n$1.00\n(which\nis\nFINANCE\ngives\nus the\naverage\ndaily\nbalance.\nAny\nnegative\ndaily\nbalance\nthere\nis\nno\nseparate\nminimum\npayment,\nthen\nMN,\nMS,\nNV,\nNH,\nNY,\nND,\noutstanding\nbalance\nis\n$249.99\n5%\no\namoun\npas\ndue\nbu\nno\nMN,balance\nMS, NV,isNH,\nNY,\nND,\noutstanding\nbalance is $249.99 payment.\ncalculation\nto each\nless\nthan\n$1.00,\nwill impose\nminimum\nCHARGE);\nexcept\ninOR,\nMI,If\nMO,\nNY,WI\nTN,\nand\nTX,\nwhere\nwe$37\nwill 00 and\nwill\nbe\nas\nInterest\nCharges\nare\nimposed\nand\nthe\nof\nOH,\nSD,\nor\nless)\nwill\nbe treated\ntreated\nas\nzero.\nIfPA,\nInterest\nCharges\narewe\nimposed\nand\nthe\namount\nof the\nthe promotional\npromotional balance\nbalance will\nwill be\nbe included\nincluded in\nin\nALzero.\nmo\nhan\nnoamount\ness payment.\nOH,\nOR,\nPA,\nSD,\nWI\nor\na minimum\nInterest\nCharge\noffrom\n$1.00\n(which\nisofless)\naethe\nFINANCE\nimpose\na\nminimum\nInterest\nCharge\nof\n$0.70\n(which\nis\na\nthe\ntotal\nInterest\nthat\nresults\napplication\nabove\nyour\nregular\nbalance\nfor\nthe\npurpose\nof\ncalculating\nyour\nthe total Interest that results from application5%\nof ofthe\nabove\nyour\nregular\nbalance\nfor\nthe\npurpose\nof\ncalculating\nyour\nhan\n$18\n00\nReduced\nRate\nPlans.\nIf\nany\nsingle\npurchase\nis\ndesignated\nas\namount\npast\ndue\nbut\nnot\n5%\nof\namount\npast\ndue\nbut\nnot\nCHARGE);\nexcept\nin\nMI,\nMO,\nNY,\nTN,\nand\nTX,\nwhere\nwe\nwill\nFINANCE CHARGE);\nand in is\nAL,less\nAZ,than\nCO, $1.00,\nIN, ME,we\nMA,\nMN,\nMS,\ncalculation\nto\nwill\nimpose\nminimum\npayment.\npurchased\nunder aa reduced\nreduced rate\nrate plan,\nplan, we\nwe will\nwill calculate\ncalculate the\nthe\ncalculation\nto each\neach balance\nbalance\nis\nless\nthan\n$1.00,\nwe\nwillthan\nimpose\npayment.\npurchased\n$10\nexcep\n00minimum\nheless\nmore\n$37.00\nnot\nimpose\na minimum\nInterest\nCharge\n$0.70\n(which\nis a $5 and\nALSD, Charge\nmore\nthan\n$37.00\nand\nnot\nlessforunder\nNJ, OK,\nSC,AL\nVT,\nWV, of\nand\nWY, of\nwhere\nwe\nwill\nimpose\naaMT,\nminimum\nInterest\n$1.00\n(which\nis\naa00\nFINANCE\nInterest\nthePlans.\npromotional\nbalance\nby using\nusing\nan APR\nAPR that\nthat\nminimum\nInterest\nCharge\nof\n$1.00\n(which\nisMA,\nFINANCE\nInterest\nfor\nthe\npromotional\nbalance\nby\nan\nReduced\nRate\nIf\nany\nsingle\npurchase\nis\ndesignated\nas\nAZ\nKS\nm\nn\nmum\npaymen\ns\n$5\n00\no\nthan\n$18.00\nFINANCE\nCHARGE);\nand\nin\nAL,\nAZ,\nCO,\nIN,\nME,\nMN,\nMS,\nReduced\nRateyour\nPlans.\nIf anyAPR\nsingle\npurchase\nis designated\nas\nthan\nCHARGE);\nin\nMO,\nNY,$0.50\nTN,\nand\nTX,\nwhere\nwe\na minimumexcept\nInterest\nCharge\nof\n(which\nis\na $18.00\nFINANCE\nis less\nless than\nthan\nRegular\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),the\nin\nCHARGE);\nexcept\nin MI,\nMI,\nMO,\nTN,\nand\nTX,we\nwhere\nwe will\nwill\nis\nyour aaRegular\nAPR\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\nin\npurchased\nunder\nreduced\nrate\nplan,\nwe\nwill\ncalculate\n$25\n00 (except\nMT, NJ, aOK,\nSC, SD,\nVT,\nWV, NY,\nand\nWY,\nwhere\nwill\nimpose\npurchased\nunder\nreduced\nrate\nplan,\nwe\nwill\ncalculate\nthe\n$10.00\n$5.00\nif\nthe\nimpose\nminimum\nInterest\nCharge\nof\n$0.70\n(which\nis\na\nCHARGE).\nFurthermore,\nthere\nis\nno\nminimum\nInterest\nCharge\n$10.00\n(except\n$5.00Interest\nif\nthe\nlieu\nof\nthe\nRegular\nAPR\nduring\nthe\nspecified\npromotional\nimpose\na\nminimum\nInterest\nCharge\nof\n$0.70\n(which\nis\na\nlieu\nof tothe\nRegular\nAPR during\nthe by\nspecified\npromotional\nfor\nthe\npromotional\nbalance\nusing\nan\nAPR\nthat\na\nminimum\nInterest\nCharge\nof\n$0.50\n(which\nis\na\nFINANCE\nCA\nCO\nDC\nA\n$15\n00\nInterest\nfor\nthe\npromotional\nbalance\nby\nusing\nan\nAPR\nthat\nAZ,\nKS\nminimum\npayment\nis\n$5.00\nFINANCE\nCHARGE);\nand\nAL,\nAZ,\nCO,\nIN,\nMA,\nMN,\nMS,\nin AR, DC,\nIA, AZ,\nMD,KS\nNE, in\nNM,\nNC,\nRI. ME,\nYouminimum\nauthorize\nus isis\nperiod\n(which\nmayRegular\nbe 6\n6 months,\nmonths,\n12 \xe2\x80\x9cPromotional\nmonths, or\nor some\nsome\nother\npayment\n$5.00\nto\nFINANCE\nCHARGE);\nand\nin\nAL,is\nAZ, and\nCO,\nIN,\nME,\nMA,\nMN,\nMS,\nless\nthan\nAPR\n(the\nAPR\xe2\x80\x9d),\nin\nperiod\nmay\nbe\n12\nmonths,\nother\nCHARGE).\nFurthermore,\nthere\nminimum\nInterest\nCharge\nis\nless (which\nthan your\nyour\nAPR\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\nin\n$25.00)\nDE\nVT\nNone\nMT,\nNJ,\nOK,\nSC,\nSD,\nVT,\nWV,\nand\nWY,\nwhere\nwe\nwill\nimpose\nto\nround\nany\ncalculation\nused\ntono\ndetermine\nInterest\nperiod\nspecified\nbyRegular\nus).\nThe\nPromotional\nAPR will\nwill\nreturn to\nto\n$25.00)\nMT,\nNJ,DC,\nOK,\nSC,\nSD,NM\nVT,TN\nWV,\nand\nWY,\nwhere\nwe\nwillCharges,\nimpose\nlieu\nof\nthe\nRegular\nAPR\nduring\nthe\nspecified\npromotional\nperiod\nspecified\nby\nus).\nThe\nPromotional\nAPR\nreturn\nin\nAR,\nIA,\nMD,\nNE,\nNM,\nNC,\nand\nRI.\nYou\nauthorize\nus\nlieu\nof\nthe\nRegular\nAPR\nduring\nthe\nspecified\npromotional\naaincluding\nminimum\nInterest\nCharge\nof\n$0.50\n(which\nis\na\nFINANCE\nCA,\nCO,\nDC,\nIA\n$15.00\nrounding\nthat\nmay\ncause\nminor\nvariations\nin\nour\nFL\nMT\nNJ\nTX\n$10\n00\nyour Regular\nRegular\nAPR\natbethe\nthe\nexpiration\nofmonths,\nthe promotional\npromotional\nperiod\nminimum\nInterest\nCharge\nof\n$0.50\n(which\nis\na\nFINANCE\nCA,\nCO,\nDC,\nIA\n$15.00\nperiod\n(which\nmay\n6\nmonths,\n12\nor\nsome\nother\nyour\nAPR\nat\nexpiration\nof\nthe\nperiod\nto round\ncalculation\nused is\nto\ndetermine\nCharges,\nperiod\nbe 6amonths,\n12\nmonths,payment\nor somewithin\nother\nCHARGE).\nFurthermore,\nthere\nno\nInterest\nCharge\nfavor.\nTheany\napplicable\nmonthly\nperiodic\nrateInterest\nfor\na 00\nbalance\nis\nor if\nif we\nwe(which\ndo not\nnotmay\nreceive\nrequired\nminimum\nGA NM,\n$25\nDE,\nTN,\nVT\nNone\nCHARGE).\nFurthermore,\nthere\nno minimum\nminimum\nInterest\nCharge\nperiod\nspecified\nby\nus).\nPromotional\nAPR\nwill\nto\nor\ndo\nreceive\nrequired\nminimum\npayment\nwithin\nincluding\nrounding\nthat\nmay\ncause\nminor\nvariations\nin our\nDE,\nNM,\nTN,\nVTis\nNone\nperiod\nspecified\nbydate.\nus).aThe\nThe\nPromotional\nAPR\nwill return\nreturn\nto\nin\nAR,\nDC,\nIA,\nMD,\nNE,\nNM,\nNC,\nand\nRI.\nYou\nauthorize\nus\nthe\napplicable\nAnnual\nPercentage\nRate\ndivided\nby\ntwelve\n(12),\n60\ndays\nof\nits\ndue\nSee\nParagraph\n3\nfor\ndetails.\nUnless\nin\nAR, The\nDC, applicable\nIA, FL,\nMD,MT,\nNE,\nNM,\nNC,\nand RI.\nus\nNJ,\nTX\n$10.00\nyour\nRegular\nthe\nexpiration\nof\nthe\nperiod\nG authorize\ne o 5%\npas\n60 days\nof itsAPR\ndueat\nSee Paragraph\n3promotional\nfor details. Unless\nfavor.\nmonthly\nperiodic\nrateYou\nfor\naeabalance\niso amoun\nFL,\nMT,\nNJ,\nTX to\n$10.00\nyour\nRegular\nAPR\natdate.\nthe\nexpiration\nof\nthe\npromotional\nperiod\nto\nround\nany\ncalculation\nused\ndetermine\nInterest\nCharges,\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\nand\nrounded\nto\nthe\nfourth\ndecimal\nplace.\nto\nround\nany calculation\nused to determine\nInterest\nCharges,\nor\nif\nwe\ndo\nnot\nreceive\na\nrequired\nminimum\npayment\nwithin\nD\ndue\no\n$15\n00\nbu\nno\no\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\nGA\n$25.00\nthe\napplicable\nAnnual\nPercentage\nRate\ndivided\nby\ntwelve\n(12),\nor\nif we do payment,\nnot receivethe\na required\nminimum\npayment\nwithin\nincluding\nrounding\ncause minor\nvariations\nour\nGA that\n$25.00 in\nminimum\nrequired\nminimum\npayment\nfor\nincluding\nrounding\nthat may\nmay\nminor\nvariations\nin 5%\nour\n60\ndays\nits\ndate.\nParagraph\n3\nUnless\nand Minimum\nrounded\ntoPayment:\nthe fourth\ndecimal\nplace.\nminimum\ntheSee\nrequired\nminimum\npayment\nfor\nexceed\n$37\n00\n6.\nYoucause\nagree\ntoratepay\nat\nleast\nthe\nGreater\nof\nof amount\npastof\n60\ndays\nof payment,\nits due\nduebalance\ndate.\nSee\nParagraph\n3 for\nfor details.\ndetails.\nUnless\nfavor.\nThe\napplicable\nmonthly\nperiodic\nfor\na\nbalance\nis\nthe\npromotional\nwill\nbe\nthe\npromotional\nbalance\nGreater\nof\n5%\nof\namount\npast\nfavor.\nThe applicable\nmonthly\nperiodic\nrate\nfor\na\nbalance\nis\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\npromotional\nbalance\nwill\nbe\nthe\npromotional\nbalance\n\xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d\nshown\non\nyour\nbilling\nstatement\non\nor\nGatea\ne$15.00\no (12),\n5%\no amoun\npasby the number\nID\ndue\norleast\nnot\ntopromotion\nthe\nstates that\nthere isinnotheseparate\npromotional\nthe\nPercentage\nRate divided\ntwelve\n6. applicable\nMinimum Annual\nPayment:\nYou agree\nto payby\nthe(but\ndivided\nof months\npromotional\nperiod,\nID Your\ndue\nor the\n$15.00\n(but not\nto\nthe\napplicable\nAnnual\nPercentage\nRate divided\nby\ntwelve\n(12),\nminimum\npayment,\nthe\nrequiredin\nminimum\npayment\nfor\ndivided\nby by\nthe\nof months\nthe promotional\nperiod,\nbefore\nits due\nMinimum\nPayment\nsum\nL KY\nWYtotal\ndue is\no $10\n00or bu no\no\nand\nrounded\ntodate.\nthe\nfourth\ndecimal\nplace.\nminimum\npayment,\nthe\nrequired\nminimum\npayment\nfor\nexceed\n$37.00)\n\xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d\nshown\non\nyour\nbilling\nstatement\non\nmultiplied\na number\nfactor\nbased\non be\nthe the\napplicable\nReduced\nAPR,\nthe\npromotional\nbalance\nwill\npromotional\nbalance\nand\nrounded\nto\nthe\nfourth\ndecimal\nplace.\nexceed\n$37.00)\nmultiplied\nby\na\nfactor\nbased\non\nthe\napplicable\nReduced\nAPR,\nof\nany minimum\npayment\nfor your\nregularPayment\nbalance\nand\nforsum\nany\nthe\npromotional\nbalance\nwill\nbe\nthe\npromotional\nbalance\nexceed\n$37\n00\nbefore\nits\ndue\ndate.\nYour\ntotal\nMinimum\nis\nthe\nand rounded\nup\nto theofnearest\n$5.00\nincrement\nor $30.00,\nGreater\nof\n5%\nof\namount\npast\n6.\nMinimum\nPayment:\nYou\nagree\nto\npay\nat\nleast\nthe\ndivided\nby\nthe\nnumber\nmonths\nin\nthe\npromotional\nperiod,\nand\nrounded\nup\nto theFor\n$5.00\nincrement\nor $30.00,\npromotional\nbalance.\nThe for\nminimum\npayment\nfor\nregular\nGreater\nof 5%\nof amount\npastby the\n6.\nMinimum\nPayment:\nto balance\npay\natyour\nleast\nthe\ndivided\nnumber\nofnearest\nmonths\npromotional\nperiod,\nof any\nminimum\nyour\nregular\nand\nfor\nwhichever\nis agreater.\nexample,\nifthe\nthe\npromotion\nhas\nan\nNpayment\n$18\n50\nIL,\nKY,shown\nWY You\ndue\nor\n$10.00\nnot\nto\n\xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d\non agree\nyour\nbilling\nstatement\nonany\nor(but\nmultiplied\nby\nfactor based\non theinapplicable\nReduced\nAPR,\nIL, KY,The\nWYminimum\ndueyour\nor $10.00\n(but not\nto\npromotional\nbalance.\npayment\nfor\nregular\n\xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d\nshown\non\nyour\nbilling\nstatement\non\nor\ninterest\nrate\nof\n10.99%\nand\nthe\nplan\nis\nfor\n24\nmonths,\nthe\nmultiplied\nby\na\nfactor\nbased\non\nthe\napplicable\nReduced\nAPR,\nexceed\nbefore its due date. Your total Minimum Payment\nis the\nsumo amoun\nand pas\nrounded up to the nearest $5.00 increment or $30.00,\nLesse\no$37.00)\n5%\nexceed\n$37.00)\nbalance\nthe Your\ngreater\n5%\nof the\nregular\nrequired\nminimum\nis determined\nas follows:\n1/24th\nME\nbefore\nitswill\nduebedate.\ntotal\nMinimum\nPayment\nispurchase\nthe\nand\nrounded\nup topayment\ntheFornearest\n$5.00\nincrement\nor $30.00,\nof\nany minimum\nfor of\nyour\nregular\nbalance\nforsum\nany\nwhichever\nis greater.\nexample,\nif the\npromotion\nhas\nan\ndueand\no $10\n00\nINpayment\n$18.50\nof\nany\nminimum\npayment\nfor\nyour\nregular\nbalance\nand\nfor\nany\nwhichever\nis\ngreater.\nFor\nexample,\nif\nthe\npromotion\nhas\nan\nIN\n$18.50\npromotional balance. The minimum payment for\nyour oregular\ninterest\nrate\nof\n10.99%\nand\nthe\nplan\nis\nfor\n24\nmonths,\nthe\nLesse\n10%\no\nou\ns\nand\nng\nLesser\nof\n5% of amount\npast rate of 10.99% and the plan is for 24 months, the\npromotional\nThe minimum\nfor\nyour\nregular\ninterest\nMA\nbalance\nwill balance.\nbeME\nthe greater\nof 5% payment\nof the regular\npurchase\nrequired\nminimum\npayment\nis\ndetermined\nas\nfollows:\n1/24th\nLesser\nof\n5%\nof\namount\npast\nba ance\no $10 00 required minimum payment is determined as follows: 1/24th\ndue\norpurchase\n$10.00\nbalance will beME\nthe greater of 5% of the regular\n\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\naofminimum\npurchase\nin down\nno case\nwill the multiplied\nminimum\nthe purchase\npriceamount,\n(less any\npayment)\npayment\nbeand\nlessrounded\nthan\nminimum\npurchase\namount\ndivided\nby the\n1.1185\nup\ntoany\nthedown\nnearest\n$5.00\n(or\n$30.00,\nof\npurchase\npricethe\n(less\npayment)\nmultiplied\nof\npurchase\nprice\n(less\ndown\npayment)\nmultiplied\nby\nthe\npromotional\nperiod,\nshorten\nyour\nrepayment\nwhichever\nis greater).\nThe\nminimum\npayment\nwill\nnever\nbe\nby\n1.1185\nand\nrounded\nupwhich\ntoany\nthemay\nnearest\n$5.00\n(or\n$30.00,\nby\n1.1185\nand\nrounded\nup minimum\nto\nthe\nnearest\n$5.00will\n(orwill\n$30.00,\nperiod\nin certain\ninstances.\nThe\nminimum\npayment\nnever\nmore\nthan\nremaining\npromotional\npurchase\nbalance.\nwhichever\nisthe\ngreater).\nThe\npayment\nnever\nbe\nwhichever\ngreater).\nThe minimum\npayment\nwill purchase\nnever\nbe\nbe\nmore\nthan\ntheremaining\nremaining\npromotional\npurchase\nbalance.\nHowever,\nifisthe\nthe\npromotion\nspecifies\na minimum\nmore\nthan\npromotional\npurchase\nbalance.\nmore\nthan\nthe\nremaining\npromotional\npurchase\nbalance.\namount,\nin\nno\ncase\nwill\nthe\nminimum\npayment\nbe\nless\nthan\nIf\nthe\npromotion\nstates\nthat\nthere\nis\nno\nseparate\npromotional\nHowever, if the promotion specifies a minimum purchase\nHowever,\nif thepurchase\npromotion\nspecifies\na of\nminimum\npurchase\nthe minimum\namount\ndivided\nby the\nthe be\nminimum\nthen\nthe\namount\npromotional\namount,\nin payment,\nno case will\nthe\nminimum\npayment\nless than\namount,\nin nobe\ncase\nwill thein\nminimum\npayment\nbe in\nless\nthan\nperiod,\nwhich\nmay\nshorten\nyour\nrepayment\nperiod\ncertain\nbalance\nwill\nincluded\nyour\nregular\nbalance\nfor\nthe\nthe\nminimum\npurchase\namount\ndivided\nby\nthe\npromotional\nthe\nminimum\npurchase\namount\ndivided\nby be\nthemore\npromotional\ninstances.\nminimum\npayment\nwill never\nthan\nthe\npurpose\nofThe\ncalculating\nyour\nminimum\npayment.\nperiod,\nwhich\nmay\nshorten\nyour\nrepayment\nperiod\nin\ncertain\nperiod,\nwhich\nmay shorten\nyour repayment\nperiod in certain\nremaining\npromotional\npurchase\nbalance.\ninstances.\nThe minimum\nminimum\npayment\nwill\nnever\nbe more\nmore\nthan the\nthe\nEighteen (18)\nMonth payment\nPlan.\nIf will\nanynever\nsingle\npurchase\nis\ninstances.\nThe\nbe\nthan\nEighteen (18)\nMonth purchase\nPlan.\nany\nsingle Month\npurchase\nis\nremaining\npromotional\npurchase\nbalance.\ndesignated\nas purchased\nunderIfthe\n\xe2\x80\x9cEighteen\nPlan\xe2\x80\x9d,\nremaining\npromotional\nbalance.\ndesignated\nas purchased\nunder\nthepromotional\n\xe2\x80\x9cEighteen Month\nPlan\xe2\x80\x9d,\nno\nInterest\nwill\nbe\nimposed\non\nthe\npurchase\nfor\nEighteen\n(18)\nMonth\nPlan.\nIf any\nany\nsingle purchase\npurchase for\nis\nEighteen\n(18)\nMonth\nPlan.\nIf\nsingle\nis\nno Interest\nwill(12)\nbe\nimposed\nthe\npromotional\nthe\nfirst twelve\nmonths\nifonyou\nmake\nall\nrequired\nminimum\ndesignated\nas purchased\npurchased\nunder\nthe\n\xe2\x80\x9cEighteen\nMonth\nPlan\xe2\x80\x9d,\ndesignated\nas\nunder\n\xe2\x80\x9cEighteen\nMonth\nPlan\xe2\x80\x9d,\nthe first twelve\n(12)\nmonths\nif youthe\nmake\nallIfrequired\nminimum\npayments\nby\nthe\nend\nof\nthe\n12th\nmonth.\nwe\ndo\nnot\nreceive\nno\nInterestby\nwill\nbeend\nimposed\non the\nthemonth.\npromotional\npurchase\nfor\nno\nInterest\nwill\nimposed\non\npromotional\nfor\npayments\nthebe\nof\nthe 12th\nIf of\nwethe\ndopurchase\nnot month,\nreceive\nall\nrequired\nminimum\npayments\nbymake\nthe\nend\n12th\nthe\nfirst twelve\ntwelve\n(12) months\nmonths\nif you\nyou\nall required\nrequired\nminimum\nthe\nfirst\n(12)\nif\nmake\nall\nminimum\nall\nrequired\nminimum\npayments\nby\nthe\nend\nof\nthe\n12th\nmonth,\nor if we doby\nnotthe\nreceive\na required\nwithin\n60\npayments\nend of\nof\nthe 12th\n12thminimum\nmonth. If\nIf payment\nwe do\ndo not\nnot\nreceive\npayments\nthe\nend\nthe\nmonth.\nwe\nreceive\nor if we\nnot\nreceive\na required\nminimum\npayment\nwithin\n60\ndays\nof do\nitsby\ndue\ndate,\nInterest\nwillby\nbethe\ncharged\nto your\naccount\nall\nrequired\nminimum\npayments\nend\nof\nthe\n12th\nmonth,\ndays\nofRegular\nits due\ndate,\nwillby\nbethe\ncharged\nto\nyour\nall\nrequired\nminimum\npayments\nend of the\n12thaccount\nmonth,\nat\nthe\nAPR Interest\nfrom\nthe\npromotional\npurchase\ndate.\nor\nif\nwe\ndo\nnot\nreceive\na\nrequired\nminimum\npayment\nwithin\n60\nat the\nRegular\nfrom\nthemonths,\npromotional\npurchase\nAfter\nor\nif we\ndofirst\nnot APR\nreceive\na required\nminimum\npayment\nwithin\n60\nAfter\nthe\n(12)\nwill\nuse\nthedate.\nspecified\ndays\nof\nits\nduetwelve\ndate,months,\nInterest\nwillwill\nbe we\ncharged\nto your\nyour\naccount\nthe first\ntwelve\n(12)\nwe\nuse\nthe\nspecified\nreduced\ndays\nof\nits\ndue\ndate,\nInterest\nwill\nbe\ncharged\nto\naccount\nreduced\nAPR\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\nin\nlieu\nof\nthe\nRegular\nat\nthe(the\nRegular\nAPR from\nfromAPR\xe2\x80\x9d),\nthe promotional\npromotional\npurchase\ndate.\nAfter\nAPR\n\xe2\x80\x9cPromotional\nin lieu of the\nRegular\nAPR,\nto\nat\nthe\nRegular\nAPR\nthe\npurchase\ndate.\nAfter\nAPR,\nto\ncalculate\nInterest\nforwe\nthe\nnext\nsix\n(6)\nmonths.\nThe\nthe\nfirst\ntwelve\n(12)\nmonths,\nwill\nuse\nthe specified\nspecified\nreduced\ncalculate\nInterest\nformonths,\nthe nextwe\nsixwill\n(6) use\nmonths.\nThe Promotional\nthe\nfirst\ntwelve\n(12)\nthe\nreduced\nPromotional\nAPR\nwill\nreturn\nto\nyour\nRegular\nAPR\nat\nthe\nAPR (the\n(the\n\xe2\x80\x9cPromotional\nAPR\xe2\x80\x9d),\ninAPR\nlieu at\nof the\nthe expiration\nRegular APR,\nAPR,\nto\nwill return\nto your APR\xe2\x80\x9d),\nRegularin\nof the\nAPR\n\xe2\x80\x9cPromotional\nlieu\nof\nthe\nRegular\nto\nexpiration\nof the six\nmonth\nor if awerequired\ndo not minimum\nreceive a\nsix monthInterest\nperiod\nor ifthe\nwenext\ndo period\nnot(6)\nreceive\ncalculate\nfor\nsix\nmonths.\nThe Promotional\nrequired\npayment\n60atdays\nof its dueofdate.\nAPR\nwill minimum\nreturn\nRegular\nAPR\nthe\npayment\nwithin to\n60 your\ndays\nof itswithin\ndue\ndate.\nSeeexpiration\nParagraph\n3 the\nfor\nSee\nParagraph\n3 for\nThepayment\nrequiredafor\nminimum\npayment\ndetails.\nTheperiod\nrequired\nminimum\nthe promotional\nsix\nmonth\nor ifdetails.\nwe do not\nreceive\nrequired\nminimum\nfor\nthe promotional\nbalance\nwill\n1/18th\nof\nthe multiplied\npurchase\nbalance\nwill\nbe 1/18th\nof of\ntheitspromotional\npurchase\npayment\nwithin\n60 days\nduebe\ndate.\nSee\nParagraph\n3 for\nprice\n(less\nany\ndown\npayment)\nmultiplied\nbypromotional\n1.030\nand\nby 1.030\nandrequired\nrounded\nup\nto thepayment\nnearest\n$5.00,\nbut\nnot less\ndetails.\nThe\nminimum\nfor\nthe\nrounded\nup be\ntoor\nthenot\nnearest\n$5.00,\nbut notbased\nless than\n$150.00\nthan $150.00\nless\nthan\n$250.00,\non multiplied\nthe\nterms\nbalance\nwill\n1/18th\nof the\npromotional\npurchase\nor\nnot\nless\n$250.00,\non the $5.00,\nterms but\nof the\nof the\noffer.\nby\n1.030\nandthan\nrounded\nup tobased\nthe nearest\nnotoffer.\nless\nThe minimum\npayment\nwillthan\nnever\nbe morebased\nthan the\nremaining\nthan\n$150.00\nor\nnot\nless\n$250.00,\non\nthe\nterms\n8.\nPayments:\nAll\npayments\nmust\nbe\nmailed\nor\ndelivered\nto\npromotional\nbalance. If the promotion states that\nof\noffer. purchase\nus the\nat the\nshown\non the front\nof thepayment,\nbilling statement\nthere\nis noaddress\nseparate\npromotional\nminimum\nthen the\nandPayments:\naccompanied\nby the payment\nslip.\nYou\nmust\npayin us\nin\n8.\npayments\nmust be\nmailed\nor delivered\nto\namount\nof the All\npromotional\nbalance\nwill\nbe included\nyour\nU.S.\ndrawn\non funds\non of\ndeposit\nin the\nUnited\nStates\nus\nat dollars\nthebalance\naddress\non the\nfront\nof the\nbilling\nstatement\nregular\nforshown\nthe\npurpose\ncalculating\nyour\nminimum\nusingaccompanied\na check or similar\ninstrument\nthat\nwillmust\nbe processed\nand\nby the payment\nslip.\nYou\npay us in\npayment.\nand honored\nby your\nsend in\ncash\nWe\nU.S.\ndollars drawn\nonbank.\nfundsDo\nonnot\ndeposit\nthe payments.\nUnited States\n8.\nmust beasthat\nmailed\nto\ncanPayments:\naccept\nlateAll\nor payments\npartial\nwellwill\nasor\npayments\nthat\nusing\na check\nor\nsimilar payments,\ninstrument\nbedelivered\nprocessed\nreflect\n\xe2\x80\x9cpaid\ninbyfull\xe2\x80\x9d\nor bank.\nother\nendorsements,\nwithout\nus\nathonored\nthe\naddress\nshown\nonrestrictive\nthenot\nfront\nof\nthe\nbilling\nstatement\nand\nyour\nDo\nsend\ncash\npayments.\nWe\nlosing\nany of\nour\nthis Agreement.\ncredit\nyour\nand\naccompanied\nby theunder\npayment\nslip\nor otherwise\nmade\nin\ncan\naccept\nlate\norrights\npartial\npayments,\nas well\nas We\npayments\nthat\npayments\nin in\naccordance\nwithrestrictive\nour payment\non the\naccordance\nwith\ninstructions\non endorsements,\nthe instructions\nbilling statement.\nreflect\n\xe2\x80\x9cpaid\nfull\xe2\x80\x9dthe\nor other\nwithout\nbilling\nstatement.\nYou\nmust\npay\nusrights\nin U.S.\ndollars\non funds\non deposit\nlosing\nany\nof\nunder\nthis\nAgreement.\nWe\nyour\nlosing\nany\nof our\nour\nrights\nunder\nthisdrawn\nAgreement.\nWe credit\ncredit\nyour\nin\nthe\nUnited\nStatesAllusing\ncheck,\nelectronic\nauthorization\npayments\nin\nwith\npayment\ninstructions\non\npayments\nin accordance\naccordance\nwitha our\nour\npayment\ninstructions\non the\nthe\n9. Legal\nNotices:\nnotices,\nincluding\nnotices\nrelating\nto\nor\nsimilar\ninstrument\nthat notices,\nwill be processed\nand honored\nby\nbilling\nstatement.\nlegal\nactions,\nbankruptcy\nand any notice\nto us that\nbilling\nstatement.\nyour\nbank.\nDo not send\ncash payments.\nWe can\nlate\nyouLegal\nare\nrepresented\nbynotices,\ncounsel\nin connection\nwithaccept\nyour debt\n9.\nNotices:\nAll\nincluding\nnotices\nrelating\nto\n9.\nLegal\nNotices:\nAllas\nincluding\nnotices\nrelating\nto\nor\npartial\npayments,\nwell\nas payments\nthat\nreflect\n\xe2\x80\x9cpaidBox\nin\nto us,\nmust\nbe bankruptcy\nsent to\nusnotices,\natnotices,\nGenesis\nFS Card\nServices,\nP.O.\nlegal\nactions,\nand\nany\nnotice\nto\nus\nthat\nlegal\nactions,\nbankruptcy\nnotices,\nand\nany\nnotice\nto\nus\nthat\nfull\xe2\x80\x9d\nor\nother\nrestrictive\nendorsements,\nwithout\nlosing\nany\nof\n4485,\nBeaverton,\nORby\n97076-4485.\nIf these notices\nare\nsent\nto\nyou\nare\nrepresented\ncounsel\nin\nconnection\nwith\nyour\ndebt\nyou\nare\nrepresented\ncounsel\nin connection\nwith\nyour debt\nour\nunder this\nAgreement.\nWeany\ncredit\nyour\npayments\nanyus,rights\nother\naddress,\nitby\nwill\nnot\nsatisfy\nnotice\nrequirement\nto\nmust\nbe\nto\nus\nat\nGenesis\nFS\nServices,\nP.O.\nBox\nto\nus,\nmust\nbe sent\nsent\ntoour\nus\nat\nGenesis\nFS Card\nCard\nServices,\nP.O.\nBox\nin\naccordance\nwith\npayment\ninstructions\non\nthe\nbilling\nunder\nthis\nAgreement\nor\nany\nother\nlegal\nrequirement\nthat\nyou\n4485,\nBeaverton,\nOR\n97076-4485.\nIf\nthese\nnotices\nare\nsent\nto\n4485,\nBeaverton,\nOR\n97076-4485.\nIf\nthese\nnotices\nare\nsent\nto\nstatement.\nprovide\nnotice\nto us.it will not satisfy any notice requirement\nany\nother\naddress,\nany other address, it will not satisfy any notice requirement\nunder\nthis\nAgreement\nor\nany\nlegal\nrequirement\nyou\n9.\nincluding\nnotices\nto\n10.Legal\nArbitration\nforAllDisputes\n\xe2\x80\x93\nNo\nTrialsrelating\northat\nClass\nunder\nthisNotices:\nAgreement\nornotices,\nany other\nother\nlegalJury\nrequirement\nthat\nyou\nprovide\nnotice\nto\nlegal\nactions,\nbankruptcy\nnotices, how\nand any\nnotice(as\nto defined\nus that\nActions:\nThis paragraph\ndescribes\nall Claims\nprovide\nnotice\nto us.\nus.\nyou\nare\nrepresented\nby\ncounsel\nconnection\nwith\nyourClass\ndebt\nin subparagraph\nA\nwill be\xe2\x80\x93inarbitrated,\nat\nthe election\nof\n10.\nArbitration\nforbelow)\nDisputes\nJury\nTrials\n10.\nArbitration\n\xe2\x80\x93 No\nNo\nJury\nTrials or\norP.O.\nClass\nyou\nus,\nonparagraph\nanfor\nindividual\n(non-class,\nnon-representative)\nto\nus,or\nmust\nbe\nsent\nto Disputes\nus at\nGenesis\nFS Card\nServices,\nBox\nActions:\nThis\ndescribes\nhow\nall\nClaims\n(as\ndefined\nActions:\nThis paragraph\ndescribes\nhow\nClaims\ndefined\nbasis\ninstead\nofAOR\nlitigated\nin be\ncourt.\nIf all\nyou\nare\na(as\n\xe2\x80\x9cCovered\n4485,\nBeaverton,\n97076-4485.\nIf these\nnotices\nare\nsent of\nto\nin\nsubparagraph\nwill\nat\nthe\nelection\nin\nsubparagraph\nA below)\nbelow)\nwillaccordance\nbe arbitrated,\narbitrated,\natthe\ntherequirement\nelection\nof\nBorrower\xe2\x80\x9d\nas\ndetermined\nin\nwith\nsafe\nharbor\nany\nother\naddress,\nit\nwill\nnot\nsatisfy\nany\nnotice\nyou or us, on an individual (non-class, non-representative)\nyou\northis\nus,Agreement\nonthe\nan individual\n(non-class,\nnon-representative)\nprovisions\nin\nLending\nAct\nits\nunder\nor any\nlegal\nrequirement\nthat you\nbasis\ninstead\nof Military\nlitigated\ninother\ncourt.\nIf and\nyou\nareimplementing\na \xe2\x80\x9cCovered\nbasis\ninstead\nofare\nlitigated\ncourt.\nIf you\nasafe\n\xe2\x80\x9cCovered\nregulations,\nnot required\nto submit\ntoare\narbitration.\nprovide\nnotice\nto\nus.\nBorrower\xe2\x80\x9d\nasyou\ndetermined\nininaccordance\nwith\nthe\nharbor\nBorrower\xe2\x80\x9d as\ndetermined\nin accordance\nwithitsthe\nsafe harbor\nprovisions\nthe Military\nActdispute,\nand\nimplementing\nA. The termin\xe2\x80\x9cClaim\xe2\x80\x9d\nmeansLending\nany claim,\nor\ncontroversy\nprovisions\ninyou\nthe\nMilitary\nLending\nand to\nitsarbitration.\nimplementing\nregulations,\nrequired\nto Act\nsubmit\nbetween you\nandare\nusnot\narising\nfrom\nor\nrelating\nto your Card,\nregulations, you are not required to submit to arbitration.\nA. The term \xe2\x80\x9cClaim\xe2\x80\x9d means any claim, dispute, or controversy\nA. The term\nanyfrom\nclaim,\nbetween\nyou\xe2\x80\x9cClaim\xe2\x80\x9d\nand usmeans\narising\nor dispute,\nrelating or\ntocontroversy\nyour Card,\nbetween you and us arising from or relating to your Card,\n\n10. Arbitration for Disputes \xe2\x80\x93 No Jury Trials or Class Actions:\nThis paragraph describes how all Claims (as defined in\nsubparagraph 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\nin the\nLending as\nActwell\nand as\nits any\nimplementing\nyour Account,\nor Military\nthis Agreement\nrelated or\nregulations,\nyouorare\nnotAgreement\nrequired\nsubmit\ntowith\narbitration.\nprior Account,\nagreement\nthat\nyou\nmay to\nhave\nhadas\nor the\nyour\nthis\nas\nwell\nany us\nrelated\nor\nyour\nAccount,\nor that\nthis Agreement\nas well\nany\nrelated\nor\nrelationships\nresulting\nfrom\nthis\nAgreement,\nincluding\nthe\nprior\nagreement\nyou\nmay\nhave\nhadaswith\nus\nor the\nA.\nThe\nterm\n\xe2\x80\x9cClaim\xe2\x80\x9d\nmeans\nany\nclaim,\ndispute,\nor\ncontroversy\nprior\nagreement\nthat oryou\nmay\nhad with\nus or the\nvalidity,\nenforceability\nscope\nof have\nthis\nprovision\nor\nrelationships\nresulting\nfrom\nthis\nAgreement,\nincluding\nthe\nbetween\nyou resulting\nand us arising\nfrom\nor arbitration\nrelating to\nyour Card,\nrelationships\nfrom\nthis\nAgreement,\nincluding\nthe\nthe Agreement.\nClaimsorarising\nin\nthe\npast,\npresent,\nor future,\nvalidity,\nenforceability\nscope\nof\nthis\narbitration\nprovision\nor\nyour\nAccount,\norarising\nthisorAgreement\nas\nwell asof any\nrelated\nvalidity,\nenforceability\nscope\nof\nthis\narbitration\nprovision\nor\nincluding\nClaimsClaims\nbeforein\nthe\nopening\nyour\nAccount,\nthe\nAgreement.\narising\nthe\npast,\npresent,\nor\nfuture,\nprior\nagreement\nthat you\nmay\nhave\nhadpresent,\nwith us\nor the\nthe\nAgreement.\nClaims\narising\nin the\npast,\nor future,\nare\nsubject\nto\narbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes,\nwithout\nlimitation,\nincluding\nClaims\narisingfrom\nbeforethis\ntheAgreement,\nopening of your\nAccount,\nrelationships\nresulting\nincluding\nthe\nincluding\nClaims\narising\nbefore\nopening\nof your\nAccount,\nclaims\nthat\nfrom or\nrelatethe\nto\nany application\nfor your\nare\nsubject\ntoarise\narbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes,\nwithout\nlimitation,\nvalidity,\nenforceability\nor\nscope\nof\nthis\narbitration\nprovision\nor\nare\nsubject\nto\narbitration.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes,\nwithout\nlimitation,\nAccountthat\nor arise\nany advertisements,\npromotions,\nor statements\nclaims\nfrom arising\nor relate\nrelate\nto\nany\napplication\nforfuture,\nyour\nthe\nAgreement.\nin to\ntheor\npast,\npresent,\norfor\nclaims\nthat\nariseClaims\nfrom\nor\nany\napplication\nyour\nrelated\nto\nyour\nAccount\nor\ngoods\nservices\nthat\nmay\nbe\nAccount\nor\nany advertisements,\nadvertisements,\npromotions,\nor\nstatements\nincluding\nClaims\narising with\nbefore\nthe\nopening of\nyour\nAccount,\nAccount\nany\npromotions,\nstatements\nfinanced or\nin\nconnection\nyour\nAccount.\nForor\npurposes\nof\nrelated\nto your\nyour\nAccount \xe2\x80\x9cClaim\xe2\x80\x9d\nor\xe2\x80\x9cyou\xe2\x80\x9d\ngoods\nor\xe2\x80\x9cus\xe2\x80\x9d\nservices\nthatlimitation,\nmayany\nbe\nare\nto arbitration.\nincludes,\nwithout\nrelated\nto\nAccount\nor\ngoods\nor\nservices\nthat\nmay\nbe\nthissubject\narbitration\nprovision,\nand\nalso includes\nfinanced\nin\nconnection\nwith\nyour\nAccount.\nFor\npurposes\nof\nclaims\nthat\narise from\nrelate\nany application\nfor your\nfinanced\ninaffiliates,\nconnection\nwith\nyourtopredecessors,\nAccount.\nFor purposes\nof\ncorporate\nany or\nlicensees,\nsuccessors,\nthis\narbitration\nprovision,\n\xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cus\xe2\x80\x9d\nalsoorincludes\nincludes\nany\nAccount\nor any\nadvertisements,\npromotions,\nstatements\nthis\narbitration\nprovision,\n\xe2\x80\x9cyou\xe2\x80\x9d\nand\n\xe2\x80\x9cus\xe2\x80\x9d\nalso\nany\nassigns,\nany\npurchaser\nof any\naccounts,\nall agents,\nemployees,\ncorporate\naffiliates,\nany licensees,\nlicensees,\npredecessors,\nsuccessors,\nrelated\nyourrepresentatives\nAccount\nor goods\nor of\nservices\nthat\nmayand\nbe\ncorporate\naffiliates,\nany\npredecessors,\nsuccessors,\ndirectorsto and\nof any\nthe foregoing,\nassigns,\nany\npurchaser\nof\nany\naccounts,\nall agents,\nagents,\nemployees,\nfinanced\nin connection\nyourin Account.\nFor purposes\nof\nassigns,\nany\npurchaser\nany\naccounts,\nall\nemployees,\nother persons\nreferred of\ntowith\nbelow\nthe definition\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\ndirectors\nand representatives\nrepresentatives\nof and\nany\nofand\nthe\nforegoing,\nand\nthis\narbitration\nprovision,\nalso\nincludes\nany\ndirectors\nand\nof\nany\nof\nthe\nforegoing,\nand\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes\nclaims of\xe2\x80\x9cyou\xe2\x80\x9d\nevery\nkind\xe2\x80\x9cus\xe2\x80\x9d\nnature,\nincluding\nother\npersons\nreferred\ntolicensees,\nbelow counterclaims,\nin predecessors,\nthe definition\ndefinitioncross-claims,\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\ncorporate\naffiliates,\nanyto\nsuccessors,\nother\npersons\nreferred\nbelow\nin\nthe\nof\n\xe2\x80\x9cClaims\xe2\x80\x9d.\nbut not\nlimited\nto initial\nclaims,\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes\nclaims\nof\nevery\nkind and\nand\nnature,\nincluding\nassigns,\nanyclaims,\npurchaser\nanyevery\naccounts,\nallupon\nagents,\nemployees,\nthird-party\nandof of\nclaims\nbased\ncontract,\ntort,\n\xe2\x80\x9cClaim\xe2\x80\x9d\nincludes\nclaims\nkind\nnature,\nincluding\nbut\nnot and\nlimited\nto initial\ninitial\nclaims,ofcounterclaims,\ncounterclaims,\ncross-claims,\ndirectors\nandother\nrepresentatives\nany of\nthe foregoing,\nand\nfraud,\nintentional\ntorts,\nstatutes,\nregulations,\nbut\nnot\nlimited\nto\nclaims,\ncross-claims,\nthird-party\nclaims,\nandtoclaims\nclaims\nbased\nupon\ncontract,\ntort,\nother\npersons\nreferred\nbelow\nin\nthe\nofsought\n\xe2\x80\x9cClaims\xe2\x80\x9d.\ncommon\nlaw,\nand equity.\nClaims\nanddefinition\nremedies\nas\nthird-party\nclaims,\nand\nbased\nupon\ncontract,\ntort,\nfraud,\nand\notheraction,\nintentional\ntorts,\nstatutes,\nregulations,\n\xe2\x80\x9cClaim\xe2\x80\x9d\nclaims\nof every\nkind statutes,\nandgeneral\nnature,\nincluding\npart of and\naincludes\nclass\nprivate\nattorney\naction,\nor\nfraud,\nother\nintentional\ntorts,\nregulations,\ncommon\nlaw, and\nand\nequity.\nClaims\nand remedies\nremedies\nsought\nas\nother\naction\nare counterclaims,\nsubject\nto arbitration\non an\nbut\nnotrepresentative\nlimited\nto initial\nclaims,\ncross-claims,\ncommon\nlaw,\nequity.\nClaims\nand\nsought\nas\npart\nof aa class\nclass\naction,\nprivate\nattorney\ngeneral\naction,\nor\nindividual\n(non-class,\nbasis,\nand tort,\nthe\nthird-party\nclaims,\nandnon-representative)\nclaims attorney\nbased upon\ncontract,\npart\nof\naction,\nprivate\ngeneral\naction,\nor\nother\nrepresentative\naction\nare torts,\nsubject\nto arbitration\non an\narbitrator\naward\nrelief only\non an statutes,\nindividual\n(non-class,\nfraud,\nandmay\nother\nintentional\nregulations,\nnon-representative)\nbasis.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nclaims\nor\nindividual\n(non-class,\nnon-representative)\nbasis,\nandbythe\ncommon\nlaw,\nand equity.\nClaims also\nand includes\nremedies\nsought\nas\nagainst\nthird\npartyrelief\nrelating\noranarising\nfrom(non-class,\nyour\nCard,\narbitrator\naward\nonlytoon\nindividual\npart\nof any\na may\nclass\naction,\nprivate\nattorney\ngeneral\naction,\nor\nyour Account,\nor this\nAgreement.\nThe\n\xe2\x80\x9cClaim\xe2\x80\x9d\nis on\nto an\nbe\nnon-representative)\nbasis.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nalso term\nincludes\nclaims\nby\nor\nother\nrepresentative\naction\nare subject\nto arbitration\ngiven the\npossible\nmeaning\nthat will\nbeyour\nenforced.\nagainst\nanybroadest\nthird party\nrelating\nto or arising\nfrom\nindividual\n(non-class,\nnon-representative)\nbasis,\nandCard,\nthe\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nmeans\nthe American\nAssociation,\nyour\nAccount,\nthis relief\nAgreement.\nterm\n\xe2\x80\x9cClaim\xe2\x80\x9d\nis to be\narbitrator\nmay or\naward\nonly onThe\nanArbitration\nindividual\n(non-class,\n335 Madison\nAvenue,\nNew\nYork,\nNY that\n10017,\ngiven\nthe broadest\npossible\nmeaning\nwill www.adr.org,\nbe\nenforced.\nnon-representative)\nbasis.\n\xe2\x80\x9cClaim\xe2\x80\x9d\nalso\nincludes\nclaims\nby or\n(800) 778-7879;\nor\nJAMS,\n1920toMain\nSt., Suite\n300,\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nthe American\nArbitration\nagainst\nany thirdmeans\nparty\nrelating\nor arising\nfromAssociation,\nyourIrvine,\nCard,\nCA 92614,\nwww.jamsadr.com,\n(949)\n224-1810.\n335\nMadison\nAvenue,\nNew York,\nNY\n10017,\nwww.adr.org,\nyour\nAccount,\nor this Agreement.\nThe\nterm\n\xe2\x80\x9cClaim\xe2\x80\x9d\nis to be\n(800)\n778-7879;\nor\nJAMS,\n1920\nMain\nSt.,that\nSuite\n300,\nIrvine,\ngiven\nthe\nbroadest\npossible\nmeaning\nthat\nwilleach\nbe\nenforced.\nB. We OR you have the right to require\nClaim\nbe\nCA\n92614,by\nwww.jamsadr.com,\n224-1810.\n\xe2\x80\x9cAdministrator\xe2\x80\x9d\nmeans the\nArbitration\nAssociation,\nresolved\narbitration\nonAmerican\nan(949)\nindividual\n(non-class,\nnon120\nBroadway,\nFloor the\n21,\nNew will\nYork,\n10271,\nrepresentative)\nA Claim\nbeNY\narbitrated\nifwww.adr.org,\n(1)Claim\nboth we\nB.\nWe\nOR you basis.\nhave\nright\nto require\nthat each\nbe\n(800)\n778-7879;\nJAMS,\nVon\nAve., Suite\nand you\norby(2)arbitration\nonlyorone\noron\nthe18881\nother\nof\nweKarman\nor(non-class,\nyou, exercise\nthe\nresolved\nan\nindividual\nnon350,\nCA basis.\n92612,\n(949)\n224-1810.\nright Irvine,\nto require\nthat the\nClaimwill\nbe be\narbitrated.\nIf,iffor\nrepresentative)\nAwww.jamsadr.com,\nClaim\narbitrated\n(1)example,\nboth we\nwe exercise\nouronly\nright\ntoor\nrequire\nthatof\nthe\nbe exercise\nresolvedthe\nby\nand\nyouOR\nor (2)\none\nthe other\nweClaim\nor\nyou,\nB.\nWe\nyou\nhave\nthe\nright\nto\nrequire\nthat\neach\nClaim\nbe\narbitration\nbut you\nalso be\nexercise\nyour If,\nright\nrequire\nright\nto require\nthatdo\nthenot\nClaim\narbitrated.\nfor to\nexample,\nresolved\nby\narbitration\non\nan\nindividual\n(non-class,\nnonthatexercise\nthe Claim\nbe\narbitrated,\nthe\nClaimClaim\nwill be\nby\nwe\nourbasis.\nright\nto\nrequirewill\nthat\nbeif resolved\nresolved\nby\nrepresentative)\nA Claim\nbethe\narbitrated\n(1)the\nboth\nwe\narbitration.\nIf\nneither\nwe\nnor\nyou\nrequest\narbitration,\nClaim\narbitration\nbut\nyou\ndo\nnot\nalso\nexercise\nyour\nright\nto\nrequire\narbitration\nbut\nyou do\nnot\nalsoother\nexercise\nrightexercise\nto require\nand\nyoube\nor resolved\n(2) only\none\nor the\nof instead\nweyour\nor you,\nthe\nwill not\nby arbitration\nand\nwillresolved\nbe litigated\nthat\nthe\nClaim\narbitrated,\nthe\nwill\nbe\nby\nthat\nthe\nClaim be\nbe\narbitrated,\nthe\nClaim\nwill If,\nbe\nresolved\nby\nright\nto require\nthat\nthe\nClaim\nbe Claim\narbitrated.\nfor\nexample,\nin\ncourt.\nWe\nwill\nnot\nelect\narbitration\nfor\nany\nClaim\nyou\nfile\narbitration.\nIf\nneither\nwe\nnor\nyou\nrequest\narbitration,\nthe\nClaim\narbitration.\nIf\nneither\nwe\nnor\nyou\nrequest\narbitration,\nthe\nClaim\nwe\nexercise\nour court,\nright tosorequire\nthat\nthe\nClaim\nbe\nresolvedand\nby\nin\nsmall\nclaims\nlong\nas\nthe\nClaim\nis\nindividual\nwill\nnot\nresolved\nby\narbitration\nand\nwill\nlitigated\nwill\nnot be\nbe\nresolved\nby\narbitration\nand instead\ninstead\nwill be\nbeto\narbitration\nbutinyou\ndo\nnot\nalsoarbitrator\xe2\x80\x99s\nexercise\nyour\nright\nrequire\npending\nonly\nthat\ncourt.\nThe\nauthority\ntolitigated\nresolve\nin\ncourt.\nWe\nwill\nnot\nelect\narbitration\nfor\nany\nClaim\nyou\nfile\nin\ncourt.\nWe\nwillbenot\nelect arbitration\nforwill\nany\nyou and\nfile\nthat\ntheisClaim\nthe Claim\nbeClaim\nby\nClaims\nlimited\ntoarbitrated,\nClaims\nbetween\nyou\nand\nusresolved\nalone,\nin\nsmall\nclaims\ncourt,\nlong\nas\nthe\nClaim\nis\nand\nin\nsmall\nclaims\ncourt,\nsonor\nlong\nasrequest\ntheawards\nClaim\nisorindividual\nindividual\nand\narbitration.\nIf neither\nweso\nyou\narbitration,\nthe Claim\nthe\narbitrator\xe2\x80\x99s\nauthority\nto\nmake\ndecisions\nis\npending\nonly\nin\ncourt.\nThe\nauthority\nresolve\npending\nonly\nin that\nthat\ncourt.\nThe arbitrator\xe2\x80\x99s\narbitrator\xe2\x80\x99s\nauthority\ntobetween\nresolve\nwill\nnot to\nbe\nresolved\nby\narbitration\nand instead\nwill beto\nlitigated\nlimited\nyou\nand\nus\nalone.\nFurthermore,\nClaims\nClaims\nis\nlimited\nto\nClaims\nbetween\nyou\nand\nus\nalone,\nand\nClaims\nlimited\nto Claims\nbetween\nyou\nus\nalone,\nin\nWe\nwillauthority\nnot\nelect\narbitration\nfor and\nanyorClaim\nyou and\nfile\nyoucourt.\nandisus\nmay\nnot\nbe\njoined\nor consolidated\nin\narbitration\nthe\narbitrator\xe2\x80\x99s\nto\nmake\nawards\ndecisions\nis\nthe\narbitrator\xe2\x80\x99s\nauthority\ntoagainst\nmake\nawards\nor\ndecisions\nis\nin\nsmall\nclaims\ncourt,\nso\nlong\nas\nthe\nClaim\nis\nindividual\nand\nwith\nClaims\nbrought\nby\nor\nsomeone\nother\nthan\nyou,\nlimited\nto\nyou\nand\nus\nalone.\nFurthermore,\nClaims\nbetween\nlimited\ntoonly\nyouin and\nus alone.\nFurthermore,\nClaimsto\nbetween\npending\nthat\ncourt.\nThe\narbitrator\xe2\x80\x99s\nauthority\nresolve\nunless\notherwise\nagreed\nto\nin\nwriting\nby\nall\nparties.\nHowever,\nyou\nand\nmay\nnot\nbe\nor\nin\narbitration\nyou\nandisus\nuslimited\nmay\nnot\nbe joined\njoined\nor consolidated\nconsolidated\nin alone,\narbitration\nClaims\nto Claims\nbetween\nyouusers\nandother\nus\nand\napplicants,\nco-applicants,\nauthorized\non\na single\nwith\nClaims\nbrought\nby\nor\nagainst\nsomeone\nthan\nyou,\nwith\nClaims\nbrought\nby\nor\nagainst\nsomeone\nother\nthan\nyou,\nthe\narbitrator\xe2\x80\x99s\nauthority\nto\nmake\nawards\nor\ndecisions\nis\nAccount,\nor corporate\naffiliates\nare considered\none\nperson\nunless\notherwise\nagreed\nto\nin\nwriting\nby\nall\nparties.\nHowever,\nunless\notherwise\nagreed\nto paragraph.\nin writing\nbyNo\nall arbitration\nparties.\nHowever,\nlimited\nto\nyou\nand\nus\nalone.\nFurthermore,\nClaims\nbetween\nfor\nthe\npurposes\nof\nthis\naward\napplicants,\nco-applicants,\nauthorized\nusers\non\naa single\napplicants,\nco-applicants,\nauthorized\nusers\non\nsingle\nwill have\nany\npreclusive\neffect\nas\nto considered\nissues\nor claims\nin\nany\nyou\nand us\nnot beaffiliates\njoined\norare\nconsolidated\ninone\narbitration\nAccount,\nor may\ncorporate\nperson\nAccount,\nor brought\ncorporate\naffiliates\naresomeone\nconsidered\none\nperson\ndispute\ninvolving\nanyone\nwho\nis\nnot\na\nparty\nto\nthe\narbitration.\nwith\nClaims\nby\nor\nagainst\nother\nthan\nyou,\nfor the purposes of this paragraph. No arbitration award\nfor\npurposes\nof thiseffect\naward\nThisthe\narbitration\nprovision\nto claims\na transaction\nunless\notherwise\nagreed\ntoisparagraph.\ninmade\nwriting\nbyNoall arbitration\nparties.\nHowever,\nwill\nhave\nany preclusive\nas topursuant\nissues\nor\nin any\nwill\nhave\nany\npreclusive\neffect\nas\nto\nissues\nor\nclaims\nin\nany\ninvolving\ninterstate\ncommerce\nand\nwill\nbe\ngoverned\nby\nthe\napplicants,\nco-applicants,\nauthorized\nusers\non\na\nsingle\ndispute involving anyone who is not a party to the arbitration.\ndispute\ninvolvingprovision\nanyone\nwho\nis(9not\na party\narbitration.\nFederal\nArbitration\nAct (\xe2\x80\x9cFAA\xe2\x80\x9d)\nU.S.C.\n\xc2\xa71,toet\nseq.).\nThis\narbitration\nis made\npursuant\ntothe\na transaction\nThis\nis made\nto a we\ntransaction\ninvolving\ninterstate\ncommerce\nandpursuant\nwill\ngoverned\nby you\nthe\nC. If arbitration\nwe or\nyou provision\nrequest\narbitration\nof a be\nClaim,\nand\ninvolving\ninterstate\ncommerce\nand\nwill\nbe\ngoverned\nFederal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d) (9 U.S.C. \xc2\xa71, et seq.). by the\nFederal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d) (9 U.S.C. \xc2\xa71, et seq.).\nC. If we or you request arbitration of a Claim, we and you\nC. If we or you request arbitration of a Claim, we and you\n\nAccount, or corporate affiliates are considered one person\nThis agreement to arbitrate shall survive any suspension,\nfor the purposes of this paragraph. No arbitration award\ntermination, revocation or closure of the Agreement or your\nwill have any preclusive effect as to issues or claims in any\nAccount, and any bankruptcy to the extent consistent with\ndispute involving anyone who is not a party to the arbitration.\napplicable bankruptcy law.\nThis arbitration provision is made pursuant to a transaction\nF. If any part of this arbitration provision cannot be enforced,\ninvolving interstate commerce and will be governed by the\nthe rest of the arbitration provision will continue to apply.\nFederal\nArbitration\nAct\n(\xe2\x80\x9cFAA\xe2\x80\x9d)\n(9\nU.S.C.\n\xc2\xa71,\net\nseq.).\nwill not have the right to litigate the Claim in court. This\nHowever, an\nan arbitrator\narbitrator cannot\ncannot enlarge\nenlarge his\nhis or\nor her\nher authority\nauthority\nHowever,\nmeans\n(1)\nthere\nwill be\nno jury the\ntrial\non\nthe\nClaim,\n(2)\nover the\nthe adjudication\nadjudication\nof cannot\nClaims beyond\nbeyond that\nthat\nprovided\nby this\nthis\nwill\nnot\nhave\nthe request\nright\nto arbitration\nlitigate\nClaim\nin court.\nThis\nHowever,\nan arbitrator\nenlarge\nhis or\nher authority\nC.\nIf\nwe\nor\nyou\nof\na\nClaim,\nwe\nand\nover\nof\nClaims\nprovided\nby\nwill\nhave\nthe\nright\nto litigate\nthe\nin court.\nThis\nHowever,\nan\narbitrator\ncannot\nenlarge\nhis of\nor\nherarbitration\nauthority\ntherenot\nwill\nbe\nno will\npre-arbitration\ndiscovery\nexcept\nas\nthe\narbitration\nprovision\nby\nenforcing\nonly part\npart\nthis\nmeans\n(1)\nthere\nbe\nnotojury\ntrialClaim\non Claim\nthe\nClaim,\n(2)\nover\nthe adjudication\nof enforcing\nClaims beyond\nthat\nprovided\nby this\nyou\nwill\nnot\nhave\nthe\nright\nlitigate\nthe\nin\ncourt.\narbitration\nprovision\nby\nonly\nof\nthis\narbitration\nmeans\n(1) be\nthere\nwill\nbe no jury\ntrial\non the\nClaim,\n(2)\nover\nthe adjudication\nof enforcing\nClaims\nbeyond\nthat\nby this\nAdministrator\xe2\x80\x99s\npermit,\nanddiscovery\n(3) no\nClaim\nmay\nbe\nprovision.\nIf an arbitrator\ndetermines\nthat\napplicable\nlaw\nthere\nwill\nnorules\npre-arbitration\nexcept\nas the\narbitration\nprovision\nby\nonly part\nofprovided\nthis arbitration\nThis\nmeans\nthere\nwill be private\nno discovery\njuryattorney\ntrial except\non general,\nthe Claim,\nprovision.\nIf arbitration\nan arbitrator\ndetermines\nthatof\napplicable\nlaw\nthere\nwill on\nbe(1)\npre-arbitration\nas the\narbitration\nprovision\nby enforcing\nonly\nthisinarbitration\narbitrated\nanorules\nclass-action,\nor\nrequires this\nprovision\nto\nbepart\nenforced\na way that\nAdministrator\xe2\x80\x99s\npermit,\nand\n(3)\nno\nClaim\nmay\nbe\nprovision.\nIf\nan\narbitrator\ndetermines\nthat\napplicable\nlaw\n(2)\nwill be\nno basis,\npre-arbitration\nexcept\nas\nrequires\nthis arbitration\nprovision\nto beClaims\nenforced\nin aotherwise\nway that\nAdministrator\xe2\x80\x99s\npermit,and\nandneither\n(3)discovery\nnowe\nClaim\nmay will\nbe\nprovision.\narbitrator\ndetermines\nthat than\napplicable\nlaw\notherthere\nrepresentative\nnor\nyou\nwould result\ninangreater\nauthority\nover\narbitrated\non a rules\nclass-action,\nprivate\nattorney\ngeneral,\nor\nrequires\nthisIf arbitration\nprovision\nto beClaims\nenforced\nin aotherwise\nway that\nthe\nAdministrator\xe2\x80\x99s\nrules permit,\nandattorney\n(3) no general,\nClaim\nmay\nwould\nresult\nin as\ngreater\nauthority\nover\nthan\nWe\napp y he\nANNUAL\narbitrated\non\na\nclass-action,\nprivate\nor\nrequires\nthis\narbitration\nprovision\nto\nbe\nenforced\nin\na\nway\nthat\nhave\nthe\nright\nto\nparticipate\nas\na\nrepresentative\nor\nmember\nallowed,\nsuch\nthe\nadjudication\nof\nclaims\non\na\nclass\nor\nyouresult\nres\nde\nn the adjudication\nother\nrepresentative\nbasis, and private\nneither attorney\nwe nor you\nwill\nwould\nin as\ngreater\nauthority\nover\nClaims\nthan\notherwise\nbe\narbitrated\na class-action,\ngeneral,\nallowed,\nsuch\nof Claims\nclaims\non aotherwise\nclass\nor\nmon\nh\ny arbitrator\nPERCENTAGE\nother\nrepresentative\nbasis,\nand neither\nwe nor\nyou\nwill\nwould\nresult\ninbasis,\ngreater\nauthority\nover\nthan\nof any\nclass\noron\ngroup\nof claimants\npertaining\ntoorany\nClaim\nrepresentative\nthen\nthe\nmustANNUAL\ndecline\nto hear\nWe\napply\nthe\nhe\ns\na\ne\no\nhave\nthe\nright\nto\nparticipate\nas\na\nrepresentative\nmember\nallowed,\nsuch\nas\nthe\nadjudication\nof\nclaims\non\na\nclass\nor\nor\nother\nbasis,\nand\nneither\nnor\nyou will\nrepresentative\nbasis,\nthen\nthecthe\narbitrator\nmust\ndecline\ntoother\nhear\napply\nthe\nIf you\nreside\nin\nper\nod\nra\ne oof claims\nRATE\nhave\nthetorepresentative\nright\nto participate\na representative\nor member\nallowed,\nsuch\nas\nthe\nadjudication\non a or\nclass\nor\nsubject\narbitration.\nWe\noras\nyou\nmay\nelect we\nto to\narbitrate\nany\nWe\napp\ny shall\nheWe\nANNUAL\nthe\ndispute\nand\nrefer\nparties\nto aANNUAL\ncourt\nIf you\nreside\nin\nmonthly\nPERCENTAGE\nyou esrepresentative\nde\nnstate\nof\nanythe\nclass\nortogroup\ngroup of\nof\nclaimants\npertaining\nany\nClaim\nbasis,\nthen\nthethe\narbitrator\nmust\ndecline\ntoother\nhear\nhave\nrightor\nas abeen\nrepresentative\nmember\nthe\nand\nrefer\nparties\nto aPERCENTAGE\ncourt\norconflict\nmonthly\nthedispute\nof:\nmon\nh basis,\ny shall\nPERCENTAGE\nof\nany\nclass\npertaining\ntoor\nany\nClaim\nrepresentative\nthen\nthe\narbitrator\nmust\ndecline\nto\nhear\nClaim\nat\nany\ntimeparticipate\nunlessclaimants\nit has\nfiled in court\nand\ntrial\nbody\nwith\nsufficient\nauthority.\nIn\nthe\nevent\nof\nany\nthe\nstate\nof:\nperiodic\nrate\nof:\nRATE\nhe\ns\na\ne\no\nsubject\nto arbitration.\narbitration.\nWeclaimants\nor you\nyou may\nmay\nelect to\nto arbitrate\nany\nWe\napply\nthe\nANNUAL\nthe\ndispute\nandc shall\nshall\nrefer othe\nthe\nparties\nto aaRATE\ncourt\norconflict\nother\nof\nclass\ngroup\nof\npertaining\nto any Claim\nbody\nwith\nInparties\nthe\nof\nanyor\nof:\npe sufficient\nod\na\neperiodic\nRATE\n1oauthority.\n75%\n$750\n00 event\n21%\nsubject\nto\nWe\nor\nelect\nany\nIf\nyou reside\nin\nWe\napply\nthe\nANNUAL\nthe\ndispute\nand\nrefer\nto\ncourt\nother\nhasany\nbegun\noror\nfinal\njudgment\nhas been\nentered.arbitrate\norAL\ninconsistency\nbetween\nthisrate\narbitration\nprovision\nand\nthe\nIf you reside\nin with\nmonthly\nPERCENTAGE\nClaim\nattoany\nany\ntime unless\nunless\nitorhas\nhas\nbeen\nfiled\nintocourt\ncourt\nand trial\ntrial\nbody\nsufficient\nauthority.\nIn the\nthe00event\nevent\nof any\nany\nconflict\nsubjectat\narbitration.\nWeit\nyoubeen\nmayfiled\nelectin\narbitrate\nanystate body\nor\nbetween\nthis\narbitration\nprovision\nand\nthe\nmonthly\nPERCENTAGE\n1authority.\n5%\nove\n$750\n18%\nthe\nof: inconsistency\nClaim\ntime\nand\nwith\nsufficient\nIn\nof\nconflict\nAdministrator\xe2\x80\x99s\nrules\nor\nother\nprovisions\nof\nthis\nAgreement,\nthe\nstate or\nof: inconsistency\nperiodic\nrate\nof:\nRATE\n1.75%\nto\n$750.00\n21%\nD.\nThe\nparty\ninitiating\nan\narbitration\nshall\nselect\nan\nhas\nbegun\nor\nfinal\njudgment\nhas\nbeen\nentered.\nbetween\nthis\narbitration\nprovision\nand\nthe\n1\n75%\no\n$750\n00\n21%\nperiodicprovision\nrate\nof:\n1.75%\nto RATE\n$750.00\n21%Agreement,\nClaim\nat any\nit has\nin court and trial\nAdministrator\xe2\x80\x99s\nrules\nor other\nprovisions\nofprovision\nthis\nAL\nhas\nbegun\nor time\nfinal unless\njudgment\nhasbeen\nbeenfiled\nentered.\nor\ninconsistency\nbetween\nthis\narbitration\nand the\nthis\narbitration\nwill\nAL\n1.5%\novergovern.\n$750.00 of this\n18%\n1 5% overules\n$750\n00other\n18%\nAdministrator\nfromjudgment\nthe organizations\nabove. If noneALof\nARarbitration\n1or\n4167%\n17%Agreement,\nAdministrator\xe2\x80\x99s\nprovisions\n1.5%\nover\n$750.00\n18%\nhas\nbegun\nor final\nhas\nbeenlisted\nentered.\nthis\nprovision\nwill\ngovern.\nAdministrator\xe2\x80\x99s\nrules\nor\nother\nprovisions\nof this\nAgreement,\nD.\nThe\nparty\ninitiating\nan\narbitration\nshall\nselect\nan\n1.75%\nto\n$750.00\n21%\nD.\nThe\nparty\ninitiating\nan\narbitration\nshall\nselect\nan\nthe Administrators listed above will accept the arbitration,\n11.\n1.75%\ntoprovision\n$750.00 will govern.\n21%\nthis\narbitration\nAL\nCOFees:\nGA\nN over\nAR\n1 4167%\n17%\nthis\narbitration\nprovision\nwill govern.\n1.5%\n$750.00\n18%\nAdministrator\nfrom\ntheadministered\norganizations\nlisted\nabove.\nIf none\nnoneAL\nof\nAR\n1.4167%\n17%\nD.\nThe partyfrom\ninitiating\nan arbitration\nshall select\nan\n11.\nFees:\n1.5%\n$750.00\nAdministrator\nthe\norganizations\nlisted\nabove.\nIf\nof\nthe arbitration\nwill\nbe\nby\nan administrator,\nor\nA.AR\nReturned\nPayment\nFee: 18%\nIf any check, 17%\ninstrument, or\n1.4167%\nMS\nOK\nTNover\n1 75%\n21%\nCO GA 11.\nNCO,\nthe\nAdministrators\nlisted\nabove\nwill\naccept\nthe\narbitration,\nFees:\nGA,\nIN,\nelectronic\nauthorization\nused\nto\npay\nus\nis\nnot\nhonored upon\nAdministrator\nthe organizations\nlisted\nabove.\nIf none\nadjudicated\nby from\nan arbitrator,\nuponwill\nwhich\nyou and\nwe\nagree\nin\nthe\nAdministrators\nlisted\nabove\naccept\nthe\narbitration,\nA.\nReturned\nPayment\nFee:\nIf\nany\ncheck,\ninstrument,\nor\n11.\nFees:\nAR\n1.4167%\n17%\nTX\nVT\nWY\nCO,\nGA,\nIN, Payment Fee: 17%\nMS\nOK TN\n1 75%\n21%\nAR\n1.4167%\nthe\narbitration\nwill\nbe\nadministered\nby\nan\nadministrator,\nor\nA.\nReturned\nIf\nany\ncheck,\ninstrument,\nor\nMS,\nOK, TN,\nTN,\n1.75%\n21%\nfirst\npresentment,\n(for\nresidents\nMD,\nsecond\npresentment),\nwriting.\nThe arbitration\nshallabove\nbe governed\nthe\nthe\narbitration\nwill belisted\nadministered\nanby\nadministrator,\nor VT\nA.\nReturned\nPayment\nFee:\ninstrument,\nor\nof\nthe\nAdministrators\nwillbyaccept\nthe procedures\narbitration,\nelectronic\nauthorization\nusedIfof\ntoany\npaycheck,\nus is21%\nnot honored\nCO,\nGA,WY\nIN,\nMS,\nOK,\n1.75%\nTX\nDC\nMD\n2\n0%\n24%\nCO,\nGA,\nIN,\nelectronic\nauthorization\nused to\nto\npay\nus is\nis not\nnot honored\nhonored\nupon\nadjudicated\nbythe\nan\narbitrator,\nuponand\nwhich\nyou\nand we\nwe agree\nagree\nin OK, TN,\neven\nif 1.75%\nthe\ncheck,\ninstrument\nor electronic\nauthorization\nTX,first\nVT,\nWY\nand arbitration\nrules ofby\nthisan\nAgreement,\nwhich\nelectronic\nauthorization\nused\npay\nus\nadjudicated\nan\narbitrator,\nupon\nwhich\nyou\nand\nin\nthe\nwillAdministrator\nbe administered\nby\nadministrator,\nor\nthe\nit is submitted,\n(for\nresidents\nof\nMD, upon\nMS,\n21%\nTX,\nVT,\nWY\nDC\nMD TN,\n2time\n0%\n24%\nMS,\nOK,\n1.75%\n21%\nfirst\npresentment,\n(for\nresidents\nof MD,\nMD,\nsecond\npresentment),\nwriting.\nThe\narbitration\nshall\nbe or\ngoverned\nby and\nthe\nprocedures\nHlater\nMA\nMN NC\n1if\n5%\n18%\nisDC,\nhonored,\nwe2.0%\nmay\ncharge\nyou\na Returned\nPayment\nneed notThe\napply\nstate\nlocal you\nrules\nofprocedures\nprocedure\nfirst\npresentment,\n(for\nresidents\nof\nsecond\npresentment),\nwriting.\narbitration\nshall\nbe\ngoverned\nby\nthe\nTX,\nVT, WY\nWY\nadjudicated\nby\nanfederal,\narbitrator,\nupon\nwhich\nwe\nagree\ninVT,\nresubmission),\neven\nthe\ncheck,\ninstrument\nor\nelectronic\nMD\n24%\nTX,\nDC,\n2.0%\n24%\nH MA MN\nNCif\n1the\n5%as\n18%\neven\nifMD\nthe\ncheck,\ninstrument\nor\nelectronic\nauthorization\nand\nrules\nof arbitration\ntheThe\nAdministrator\nand this\nthis\nAgreement,\nwhich\nFee.\nset\nforth\nfor specified\nstates\nfee is\nevidence.\nAdministrator\xe2\x80\x99s\nprocedures\nand which\nrules\ncheck,\ninstrument\nelectronic\nauthorization\nand\nrules\nof\nthe\nAdministrator\nand\nAgreement,\nwriting.\nThe\nshall be governed\nby the procedures\nauthorization\nisWV\nlater\nhonored,\nweor\nmay\nchargebelow,\nyou\na this\nReturned\nDC, MD\nMD even\n2.0%\n24%\nM Except\nNY2.0%\nOH\n2 0825%\n24\n99%\nDC,\n24%\nHI,\nMA,\nMN,\nNC\n1.5%\n18%\nis\nlater\nhonored,\nwe\nmay\ncharge\nyou\na\nReturned\nPayment\nneed\nnot\napply\nfederal,\nstate\nor\nlocal\nrules\nof\nprocedure\nM\nNY\nOH\nWV\n2\n0825%\n24\n99%\nHI,\nMA,\nMN,\nNC\n1.5%\n18%\nup\nto\n$37.00.\nThe\nfee\ncharged\ngenerally\nwill\nbe\nthePayment\nhighest\nmay\nlimit\nthe\ndiscovery\navailable\nto\nyou\nor\nus.\nYou\ncan\nis\nlater\nhonored,\nwe\nmay\ncharge\nyou\na\nReturned\nneed\nnot\napply\nfederal,\nstate\nor\nlocal\nrules\nof\nprocedure\nand rules of the Administrator and this Agreement, which\nPayment\nFee.\nExcept\nas\nset\nforth\nfor\nspecified\nstates\nbelow,\n1\n75%\no\n$499\n99\nHI,\nMA,\nMN,\nNC\n1.5%\n18%\nHI, MA, MN,\nNC\n18%to the\nFee.\nExcept\nas WV\nset\nforth\nforsubject\nspecified\nstates\nbelow,\nthis fee\nfeewill\nis\nand\nevidence.\nThe\nAdministrator\xe2\x80\x99s\nprocedures\nand\nrules\namount\npermitted\nby2.0825%\nlaw,\nspecified\nmaximum.\n1\n75%\noto$499\n99for\n21%\nobtain\na copy\nanAdministrator\xe2\x80\x99s\nAdministrator\xe2\x80\x99s\nprocedures\nand rules\nFee.\nExcept\nas\nset\nforth\nspecified\nstates\nbelow,\nthis\nis\nand\nevidence.\nThe\nprocedures\nand\nMI,\nNY,1.5%\nOH,\n2.0825%\n24.99%\nneed\nnot\napplyof\nfederal,\nstate or local\nrules of procedure\nthis\nfee\nisOH,\nup\n$39.00.\nThe\ngenerally\nMI,\nNY,\nWV\n21%fee00charged\n100\n5%\nandexceed\nNE\nMI,\nNY, OH,\nOH,\nWV\n2.0825%\n24.99%\nup\nto\n$37.00.\nThe\nfee\ncharged\ngenerally\nwill24.99%\nbe the\nthe amount\nhighest\n1 5%that\noThe\n$500\nando $500\nNE\nmay\nlimit the\nthe the\ndiscovery\navailable\ntoprocedures\nyou neutral\nor us.\nus.and\nYourules\ncanNY,\nThis\nmeans\nthe\nfee\ngenerally\nwillby\nnot\nMI,\nWV\n2.0825%\n24.99%\n18%\nby contacting\nA single,\narbitrator\nup\nto\n$37.00.\nfee\ncharged\ngenerally\nwill\nbe\nhighest\nmay\nlimit\ndiscovery\navailable\nto\nyou\nor\nYou\ncan\nand\nevidence.\nTheAdministrator.\nAdministrator\xe2\x80\x99s\nbe\nthe\nhighest\namount\npermitted\nlaw,\nsubject\nto\nthe\n18%\n1.75%\nto\n$499.99\nmo\nto\n$499.99\nmo e to\namount\npermitted\nby1.75%\nlaw,e subject\nto the\nspecified\nmaximum.\n1.75%\nto $499.99\n$499.99\n21%\nof the required\nminimum\npayment\ndue\nprior\nobtain\ncopy\nof\nanThe\nAdministrator\xe2\x80\x99s\nprocedures\nand\nrules\nwill resolve\nClaims.\narbitrator\neither\nlawyer\nwith\n1.75%\n21%\nobtain\naa copy\nof\nan\nAdministrator\xe2\x80\x99s\nprocedures\nand\nmay\nlimit\nthe\ndiscovery\navailablewill\ntobe\nyou\nor aus.\nYourules\ncan\n21% thatand\nspecified\nmaximum.\nmeans\ntheimmediately\nfee\nwill\n1.5%\nfor\n$500.00\nand\nNE\n21%\n1.5%\nfor\n$500.00\nAes\no he\ns that\nafor\nes\n2This\n2491%\n26generally\n99%\n1.5%\nfor\n$500.00\nand\nNE\nA o he sThis\naNE\n2 2491%\n26 99%\nto\nthe\ndate\non\nwhich\nthe\npayment\nis\nreturned.\nIn\naddition,\n1.5%\n$500.00\nand\nNE\nat\nleast\nten\nyears\nexperience\nor\na\nretired\nor\nformer\njudge,\nmeans\nthe\nfee\ngenerally\nwill\nnot\nexceed\nthe\namount\n18%\nby\ncontacting\nthe\nAdministrator.\nA\nsingle,\nneutral\narbitrator\n18%\nobtain a copy of an Administrator\xe2\x80\x99s procedures and rules\nnot\nexceed\nthe\namount\nof\nthe\nrequired\nminimum\npayment\n18%\nmore\nmore\nmore\nthethe\nfirstrequired\ntime youminimum\nmake a payment\nthat\nisimmediately\nreturned, theprior\nfee\nselected\nin Claims.\naccordance\nwith the rules\nthe\nAdministrator.\nof\npaymenton\ndue\nwill\nresolve\nThe arbitrator\nbeofeither\na lawyer\nwith\nby\ncontacting\nthe Administrator.\nAwill\nsingle,\nneutral\narbitrator\ndue\nimmediately\nprior\ntoIfthe\nwhich\nthe\npaymentthat\nis\nwill\nnot\nexceed\n$27.00.\nyoudate\nmake\npayment\nAll\nother\nstates\n2.2491%\n26.99%\nIn least\nthe\nevent\nof anyexperience\nconflict\nororinconsistency\nbetween\nthisother states\nAll\n2.2491%\n26.99%\nat\nten Claims.\nyears\nawill\nretired\nor former\njudge,\nto\nthe\ndate\nonaddition,\nwhich\nthe\npayment\nis another\nreturned.\nIna addition,\nwill\nresolve\nThe\narbitrator\nbe either\na lawyer\nwith\nreturned.\nIn\nthe\nfirst\ntime\nyou\nmake\npayment\nis\nreturned\nduring\nthe\nnext\nsix\nbilling\ncycles,\nthe\nfee\nwill\nnot\nthe\nfirst\ntime\nyou\nmake\na\npayment\nthat\nis\nreturned,\nthe\nfee\narbitration\nandwith\nthethe\nAdministrator\xe2\x80\x99s\nrules or other\nselected\nin provision\naccordance\nof the\nat\nleast ten\nyears experience\nor rules\na retired\nor Administrator.\nformer judge,\nthat\nis returned,\nthe fee will not exceed $28.00. If you make\nexceed\nprovisions\nofofthis\nAgreement,\nthis\narbitration provision\nwill\nwill\nnot $37.00.\nexceed $27.00. If you make another payment that\nIn\nthe event\nany\nconflict\nor\ninconsistency\nbetween this\nselected\nin\naccordance\nwith\nthe\nrules\nof\nthe\nAdministrator.\nanother\npayment\nthat\nis\nreturned\nthe the\nnextfee\nsixwill\nbilling\nSae\nMax\nRe\nu billing\nnedduring\ngovern. Theprovision\narbitratorand\nwillthe\ntake\nreasonable steps\ntoorprotect\nis\nreturned\nduring\nthemum\nnext\nsixMax\ncycles,\nnot\narbitration\nAdministrator\xe2\x80\x99s\nrules\nother\nS a ethe fee will\nmum\nRe urned\nIn\nthe eventaccount\nof any conflict\nor inconsistency\nbetween\nthis\ncycles,\nnot exceed\nPaymen\nFee $39.00.\ncustomer\ninformation\nand\nother\nconfidential\nexceed\n$37.00.\nprovisions\nof\nthis\nAgreement,\nthis\narbitration\nprovision\nwill\nPaymen\nFee\nAK KY LA ME NH\n$37 00\narbitration\nprovision\nand to\nthedoAdministrator\xe2\x80\x99s\nrules\nor other\nState\nMaximum\nReturned\ninformation\nrequested\nso\nby you orsteps\nus.\nArbitration\ngovern.\nThe ifarbitrator\nwill take\nreasonable\nto protect\nAK\nNH\n$39 00\nMaximum\nReturned\nND\nOH SDState\nVAKY\nWALA ME\nprovisions\nthis Agreement,\nthis\narbitration\nwill\nPayment Fee\nhearings forof\nClaims\nby\nor against\nyou\ntakeprovision\nplace\nin W\nthe\ncustomer\naccount\ninformation\nand will\nother\nconfidential\nND\nOH\nSD\nVA\nWA\nPayment Fee\ngovern.\nThe\narbitrator\nwill\ntake\nreasonable\nsteps\nto\nprotect\nAK,\nKY,\nLA,\nME,\nNH,\n$37.00\nfederal judicial\ndistrict intowhich\nreside.\nIf you\nmake\ninformation\nif requested\ndo soyou\nby you\nor us.\nArbitration\nW\nALa AR\nKS\n$30NH,\n00\nAK,\nKY,\n$39.00\nND,\nOH,HSD,\nVA,MN\nWA,LA, ME,\ncustomer\naccount\ninformation\nand will\nother\nconfidential\nrequest tofor\nus\nin writing,\nwill temporarily\nadvance\nto\nMT\nTXAR\nhearings\nClaims\nby\norweagainst\nyou\ntake\nplace\nin you\nthe SC TNND,\nAL\n$30 00\nKSWA,\nMN\nOH,HSD,AVA,\nWI\ninformation\nif\nrequested\nto\ndo\nso\nby\nyou\nor\nus.\nArbitration\nthe\nfiling,\nadministrative,\nand\nhearing\nfees\nfor\nthe\narbitration\nfederal judicial district in which you reside. If you make\na AR,\nMT\nSCNVTN TX\nWI\nAL,\nHI,\nKS,\nMN,\n$30.00\nAZ\nCO\nL\nN\nM\n$25\n00\nhearings\nfor\nClaims\nby\nor\nagainst\nyou\nwill\ntake\nplace\nin\nthe\nof your Claim\nagainst\nus we\n(butwill\nnottemporarily\nif the Claimadvance\nis against\nrequest\nto us in\nwriting,\ntoyou)\nyou\nMT,\nTN, WV\nTXAR, HI, IA, KS, MN,\n$30.00\nNCa SC,\nfederal\njudicial\ninand\nwhich\nyou fees\nreside.\nIftheyou\nmake\nin excess\nof anydistrict\nfiling fee\nyouhearing\nwould\nhavefor\nbeen\nrequired\nto OK R AL,\nAZ CO L N M NV\n$25 00\nthe\nfiling,\nadministrative,\narbitration\nMT,\nSC,\nTN, TX\nrequest\nto\nus\nin\nwriting,\nwe\nwill\ntemporarily\nadvance\nto\nyou\nAZ,\nCO,\nIL,\nIN,\nMI,\nNV,\n$25.00\nCA\nMD\nMO\n$15\n00\npay\nto\nfile\nthe\nClaim\nin\na\nstate\nor\nfederal\ncourt\n(whichever\nis\nNC\nOK\nR\nWV\nof your Claim against us (but not if the Claim is against you)\nWVNY UT\nthe\nfiling,\nhearing\nfees\nfor\nthe\narbitration\nless)\nin theadministrative,\ndistrict\nin which\nyou\nreside.\nAtrequired\nthe endNC,\nof OK,\nCT\nD ARI,NJ\n$20 00\nin\nexcess\nofjudicial\nany filing\nfeeand\nyou\nwould\nhave\nbeen\nto\nAZ,\n$25.00\nCA CO,\nMD IL,\nMOIN, MI, NV,\n$15 00\nof\nClaim\n(but will\nnot\nif the Claim\nagainst\nyou)\ntheyour\narbitration,\nthe arbitrator\ndecide\nifcourt\nyouis(whichever\nhave\nto repay\nFLis MD,\nG ea e o 5% o amoun o\nCA,\n$15.00\npay\nto file\nthe against\nClaim\ninusa state\nor federal\nNC,\nOK,\nRI,\nWV\nCA,\nMD, MO\nMO\n$15.00\nNC,\nOK,\nRI,\nWV\nCT D NJ NYpaymen\nUT o $25$20\nthe\nadvance\n(and\nif\nyou\ndo\nhave\nto\nrepay,\nyou\nagree\nto\ndo\nin\nexcess\nof\nany\nfiling\nfee\nyou\nwould\nhave\nbeen\nrequired\nto\n00 00\nmax\nless)\nin\nthe\njudicial\ndistrict\nin\nwhich\nyou\nreside.\nAt\nthe\nend\nof\nIA, NJ, NY,\n$20.00\nless) in the judicial district in which you reside. At the endCT,\nof ID,\nCT,\nNY, UT\nUT\n$20.00\nCA,\n$15.00\nso).arbitration,\nUnless\nrequires\notherwise,\nwe to\nwillrepay\npay\n$37 00\npay\nto\nfile theapplicable\nClaim\nin alaw\nstate\nor decide\nfederal\ncourt\n(whichever\nis ID, IA, NJ,\nCA,\nMD, MO\nMO Greater\n$15.00\nFL MD,\nG\nea e o of5% o amoun o\nthe\nthe\narbitrator\nwill\nif\nyou\nhave\nthe\narbitration,\nthe\narbitrator\nwill\ndecide\nif\nyou\nhave\nto\nrepay\nFL\nof\n5%\nof\namount\nFL\nGreater\nof\nGA\nG UT\nea e of\no 5%\n5% $20.00\no amount\namoun oof\no $25 00 max\nour,advance\nand\nyoujudicial\nwill payyou\nyour,dolawyers\xe2\x80\x99,\nexperts\xe2\x80\x99,\nand\nwitnesses\xe2\x80\x99\nless)\nin the\ninhave\nwhichto\nreside.\nAt\nthe end\nof\npaymen\nCT,\nthe\n(and\nrepay,\nyou\nagree\nto\ndo\npayment\n(max\nCT, ID,\nID, NJ,\nNJ, NY,\nNY,\nUT or\n$20.00\nthe\nadvance\n(and ififdistrict\nyou\ndo\nhave\ntoyou\nrepay,\nyou\nagree\nto law\ndo\npayment\nor $25.00\n$25.00\n(max\nfees.arbitration,\nThe arbitrator\nwill\napply\napplicable\nsubstantive\nthe\nthe\narbitrator\nwill\ndecide\nif\nyou\nhave\nto\nrepay\n$39\n00\nso).\nUnless\napplicable\nlaw\nrequires\notherwise,\nwe\nwill\npay\n$37.00)\nFL\nGreater\nof\nso).\nUnlesswith\napplicable\nlaw applicable\nrequires otherwise,\nwe\nwill pay\n$37.00)\n$37 00\nFL\nGreater of 5%\n5% of\nof amount\namount of\nof\nconsistent\nthe\nand\nstatutes\nofagree\nlimitations,\nthe\nadvance\n(and\nifFAA\nyou\ndolawyers\xe2\x80\x99,\nhave toexperts\xe2\x80\x99,\nrepay,\nyou\ntoGA\ndo\nGA\nG\nea e oor\no amoun\no\nGreater\nof\nof\nof\nour,\nand\nyou\nwill\npay\nyour,\nand\nwitnesses\xe2\x80\x99\n$25.00\n(max\nGA\nGreater\nof 5%\n5% payment\nof amount\namount\nof5%\nour,\nand\nyou\nwill\npay\nyour,\nlawyers\xe2\x80\x99,\nexperts\xe2\x80\x99,\nand\nwitnesses\xe2\x80\x99\nOR\n$35\n00\npayment\nor\n$25.00\n(max\nwill\nhonor\nclaims\nof\nprivilege\nrecognized\nat\nlaw,\nand\nwill\nhave\nso).\nUnless\napplicable\nlaw\nrequires\notherwise,\nwe\nwill\npay\npaymen\no\n$30\n00\nmax\nfees.\nThe\narbitrator\nwill\napply\napplicable\nsubstantive\nlaw\n$39.00)\nfees.\nThe\narbitrator\nwill\napply\napplicable\nsubstantive\nlaw\nDC DE MA MS NE\nNone\n$39.00)\nthe power\ntowill\naward\nto\na party\nany damages\nor\nother\nrelief\n$37.00)\n$39 00 of 5% of amount of\nour,\nand you\npay\nyour,\nexperts\xe2\x80\x99,\nand\nwitnesses\xe2\x80\x99\nconsistent\nwith\nthe\nFAA\nand\napplicable\nstatutes\nof\n$37.00)\nGreater\nconsistent\nwith\nthe\nFAA\nandlawyers\xe2\x80\x99,\napplicable\nstatutes\nof limitations,\nlimitations,\nNM PA VTGA\nWY\nGA\nGreater\nof amount of\nprovided\nfor\nunder\napplicable\nlaw.\nThe\narbitrator\nwill\nmake\nOR\n$35.00\nfees.\nThe\narbitrator\nwill\napply\napplicable\nsubstantive\nlaw\nwill\nhonor\nclaims\nof\nprivilege\nrecognized\nat\nlaw,\nand\nwill\nhave\nOR\n$35 00 ofor5%\nOR\n$35.00\npayment\nwill\nhonor\nclaims\nof privilege\nrecognized\natbylaw,\nand\nwill\nhave\npayment\nor $30.00\n$30.00 (max\n(max\nany\naward\nin\nwriting\nand,\nif\nrequested\nyou\nor\nus,\nwill\nDC,\nDE,\nMA,\nMS,\nNE,\nNone\nthe\npower\nto\naward\nto\na\nparty\nany\ndamages\nor\nother\nrelief\nconsistent\nwith\nthe\nFAA\nand\napplicable\nstatutes\nof\nlimitations,\nDC, DE, MA,\nMS,DE\nNE,MA MS\nNoneNE\nDC\nNone\n$39.00)\nthe\npower\nto award\nto a party\nany\ndamages\noraward.\nother relief\nprovide\na\nbrief\nstatement\nof\nthe\nreasons\nfor\nthe\n$39.00)\nNM,\nPA,\nVT,\nWY\nprovided\nfor\nunder\napplicable\nlaw.\nThe\narbitrator\nwill\nmake\nwill honorfor\nclaims\nof applicable\nprivilege recognized\nat law, andwill\nwillmake\nhave\nNM, PA, VT,OR\nWY PA VT WY\nNM\n$35.00\nprovided\nunder\nlaw. The arbitrator\nOR\n$35.00\nany\naward\nin\nwriting\nif\nby\nyou\nor\nus,\nwill\nthe\npower\naward\ntoand,\na party\nanyaward\ndamages\nor\nE. Judgment\nthe\narbitrator\xe2\x80\x99s\nmay\nbeother\nentered\nin\nany\naward to\ninupon\nwriting\nand,\nif requested\nrequested\nby\nyou\nor\nus,relief\nwill\nDC,\nDE,\nMA,\nMS,\nNE,\nNone\nprovide\na\nbrief\nstatement\nof\nthe\nreasons\nfor\nthe\naward.\nDC,\nDE,\nMA,\nMS,\nNE,\nNone Fee to your Account\xe2\x80\x99s\nWe\nwill\nadd\nany\nReturned\nPayment\nany\ncourt\nwith\njurisdiction.\nThe\narbitrator\xe2\x80\x99s\ndecision\nregarding\nprovided\nfor\nunder\napplicable\nlaw.\nThe\narbitrator\nwill\nmake\nprovide a brief statement of the reasons for the award.\nNM, PA,\nVT, WY\nregular\nbalance.\nNM, PA,\nVT, WY\nanyJudgment\nclaims\nwill\nbe the\nfinaland,\nandifbinding,\nexcept\nfor\nany\nappeal\naward in\nwriting\nrequested\nby\nyou\nor\nus,\nwill\nE.\nupon\narbitrator\xe2\x80\x99s\naward\nmay\nbe\nentered\nin\nE.\nJudgment\nupon\narbitrator\xe2\x80\x99s\naward\nmay\nentered\nin\nright\nunder\nFAA.\nThethe\nappealing\nwill pay\nthe\nappeal\ncosts.\nprovide\na with\nbrief\nstatement\nofThe\ntheparty\nreasons\nfor\nthebe\naward.\nWe\nwill\nany\nFee\nany\ncourt\narbitrator\xe2\x80\x99s\ndecision\nregarding\nB. Late\nPayment\nFee: If wePayment\ndo not receive\nyour Account\xe2\x80\x99s\nminimum\nWe\nwill add\nadd\nany Returned\nReturned\nFee to\nto your\nyour\nAccount\xe2\x80\x99s\nany\ncourt\nwith jurisdiction.\njurisdiction.\nTheshall\narbitrator\xe2\x80\x99s\ndecision\nregarding\nBuye\nS gnaPayment\nue\nThis\nagreement\nto\narbitrate\nsurvive\nany\nsuspension,\nregular\nbalance.\npayment\nby\nits\ndue\ndate\n(or\nwithin\nseven\n(7)\ndays\nin VA;\nWe\nwill\nadd\nany\nReturned\nPayment\nFee\nto\nyour\nAccount\xe2\x80\x99s\nany\nclaims will\nbe final\nand binding,\nexcept\nfor\nany\nappeal\nE.\nJudgment\nupon\nthe\narbitrator\xe2\x80\x99s\naward\nmay\nbe\nentered\nin\nregular balance.\nany\nclaims will\nbe final or\nand\nbinding,\nexcept\nfor any orappeal\ntermination,\nrevocation\nclosure\nof\nthe\nAgreement\nyour\nwithin\n(10) days\nin AL,\nAZ,do\nCO,\nFL, GA,\nHI, minimum\nID, IL, IN,\nright\nunderwith\nFAA.jurisdiction.\nThe appealing\nwill paydecision\nthe appeal\ncosts.\nregular\nbalance.\nany\ncourt\nTheparty\narbitrator\xe2\x80\x99s\nregarding\nB.\nLateten\nPayment\nFee:\nIf we\nnotDC,\nreceive\nyour\nright\nunder\nFAA.\nThe\nappealing\nparty\nwill\npay\nthe\nappeal\ncosts.\nAccount,\nand\nany\nbankruptcy\nto\nthe\nextent\nconsistent\nwith\nBuyer\nB.\nPayment\nFee:\nIf we\nyour\nminimum\nKS,Late\nKY, MI,\nMO,\nMT,\nNE,\nNJ,not\nNY,receive\nOK, SC,\nWV,\nand\nSignature\nThis\nagreement\nto final\narbitrate\nshall survive\nany\nclaims\nwill be\nand binding,\nexceptany\nforsuspension,\nany appeal\npayment\nby MN,\nits due\ndate\n(or do\nwithin\nseven\n(7)\ndays\nin WY;\nVA;\nBuyer\nSignature\nThis\nagreement\nto arbitrate\nshall of\nsurvive\nany\nsuspension,\napplicable\nbankruptcy\nlaw.\nB.\nPayment\nFee:\nIfinwe\nnotand\nreceive\nyour\nminimum\nwithin\n(15)\ndays\nCA,do\nME,\nMA;\nwithin\ntwentye C ed payment\no Latefifteen\nby\nits\ndue\ndate\n(or\nwithin\nseven\n(7)\ndays\nin\ntermination,\nrevocation\nor closure\nthepay\nAgreement\norSe\nyour\nright\nunder\nFAA.\nThe\nappealing\nparty\nwill\nthe\nappeal\ncosts.\nBuye\nS\ngna\nu\ne\nwithin\nten\n(10)\ndays\nin\nAL,\nAZ,\nCO,\nDC,\nFL,\nGA,\nHI,\nID,\nIL, VA;\nIN,\ntermination,\nrevocation\nor\nclosure\nof\nthe\nAgreement\nor\nyour\none (21)\nin TX;\nwithin\nthirty\ndaysHI,inID,\nNC;\nand\nwithin\n(10)\nAL,\nAZ, NJ,\nCO,\nDC,(30)\nFL, SC,\nGA,\nIL,WY;\nIN,\nAccount,\nandofany\nto the extent\nconsistent\nwith\nF. If any part\nthisbankruptcy\narbitration provision\ncannot\nbe enforced,\nKS,\nKY,ten\nMI,days\nMN,days\nMO,inMT,\nNE,\nNY,\nOK,\nWV, and\nAccount,\nand\nany\nbankruptcy\nto\nthe\nextent\nconsistent\nwith\nwithin\n(40) MO,\ndays MT,\nin RI),\nwe\nwill\nimpose\na Late\nKS,\nKY,forty\nMI, MN,\nNE,\nNJ,\nNY,\nOK,\nSC,\nWV, Payment\nand\nWY;\napplicable\nlaw. provision will continue to Seller-Creditor\nthe rest ofbankruptcy\nthe arbitration\napply.\nwithin\nfifteen\n(15)\ndays\nin\nCA,\nME,\nand\nMA;\nwithin\ntwentyapplicable bankruptcy law.\nBuyer\nSignature\nwithin\nfifteen\nin CA, thirty\nME, and\nwithin\ntwentySeller-Creditor\none\n(21)\ndays(15)\nin days\nTX; within\n(30)MA;\ndays\nin NC;\nand\nBuyer\nSignature\nF. If any part of this arbitration provision cannot be enforced,\none\n(21)\ndays\nin\nTX;\nwithin\nthirty\n(30)\ndays\nin\nNC;\nand\nF.\nIf\nany\npart\nof\nthis\narbitration\nprovision\ncannot\nbe\nenforced,\nSe\ne\nC\ned\no\nCh\ns\nK\nemann\nV\nce\nP\nes\nden\nF\nnanc\na\nSe\nv\nces\nwithin\nforty\n(40)\ndays\nin\nRI),\nwe\nwill\nimpose\na\nLate\nPayment\nthe rest of the arbitration provision will continue to apply.\nwithin\ndaysJewe\nin RI),\nwe will\nLatee Payment\nthe rest of the arbitration provision will continue to apply.\nS e ng Jewe\ne s forty\nnc d(40)\nb a Kay\ne s and\nKayimpose\nJewe e saOu\n\npayment by its due date (or within seven (7) days in VA;\nWe will add any Late Payment Fee to your Account\xe2\x80\x99s regular\nwithin ten (10) days in AL, AZ, CO, DC, FL, GA, ID, IL, IN,\nbalance.\nKS, KY, MI, MN, MO, MT, NE, NJ, NY, OK, SC, WV, and WY;\n12. Security Interest: You grant us a purchase money\nwithin fifteen (15) days in CA, ME, and MA; within twenty-one\nsecurity interest in each item of merchandise purchased\n(21) days in TX; within thirty (30) days in NC; and within forty\non your Account to secure its unpaid purchase price\n(40) days in RI), we will impose a Late Payment Fee. The\n(except\nin CT, Interest:\nMO (on any\n$150.00),\nand\nmaximum\nfee is set fee\nforthis below.\nfee charged\nFee. The maximum\nset forthThe\nbelow.\nThe feegenerally\ncharged\n12. Security\nYoupurchase\ngrant usunder\na purchase\nmoney\nNY\n(on\nany\npurchase\nunder\n$200.00))\nuntil purchased\nsuch\nitem\nwill\nbe\nthemaximum\nhighest\namount\nbypermitted\nlaw. The\nThisby\nmeans\nthat\ngenerally\nwill\nbe the\nhighest\nlaw.\nThis\nsecurity\ninterest\nin eachYou\nitem\nof merchandise\nFee.\nThe\nfee\nis permitted\nsetamount\nforth below.\nfee\ncharged\n12.\nSecurity\nInterest:\ngrant\nus a purchase\nmoney\nFee.\nThethat\nmaximum\nfee\nsetamount\nforth\nThe\nfee\ncharged\n12.\nSecurity\nInterest:\nYou\nus\npurchase\nmoney\nof\nis\npaid\nfor\ninits\n(in aNY,\nnot purchased\nto exceed\nthe\nfee\ngenerally\nwillgenerally\nnotisexceed\nthe\namount\nof\nthe\nrequired\nmeans\nwill\nnotbelow.\nexceed\ntheby\namount\nof\non merchandise\nyour\nAccount\nsecure\nunpaid\npurchase\nprice\ngenerally\nwillthe\nbefee\nthe\nhighest\npermitted\nlaw.\nThis\nsecurity\ninterest\nin to\neach\nitemgrant\noffullmerchandise\ngenerally\nwill\nbefee\nthedue\nhighest\namount\npermitted\nlaw.toThis\nsecurity\ninterest\nin(on\neach\nof merchandise\npurchased\nfive\n(5) in\nyears\nfrom\ndate\nthe\npurchase\nis purchase\nposted\nto price\nyour\nthe required\nminimum\npayment\nprior\nthe\nminimum\npayment\nimmediately\nprior\nto the\nassessment\n(except\nCT, MO\nanyitem\npurchase\nunder\n$150.00),\nand\nmeans\nthat\nthe\ngenerally\nwilldue\nnotimmediately\nexceed\ntheby\namount\nof\non\nyour\nAccount\nto\nsecure\nits\nunpaid\nmeans\nthat Inthe\nfeefee.\ngenerally\nnot\nexceed\ntheyou\namount\nof\non\nAccount\ntothesecure\nits\npurchase\nprice\nassessment\nof\nthe\nIn\nthe\nfirst\ntime\npay\nAccount).\nSolely\npurpose\nofunpaid\ndetermining\nthe extent\nNY your\n(on inany\nunder\n$200.00))\nsuch\nitem\nof\nthe\nfee.\naddition,\ntheaddition,\nfirstwill\ntime\nyou\npay\nlate,\nthe\nfee\nwill\nthe\nrequired\nminimum\npayment\ndue\nimmediately\nprior\ntolate,\nthe\n(except\nCT,purchase\nMOfor(on\nany\npurchase\nunderuntil\n$150.00),\nand\nthe\nrequired\nminimum\npayment\ndue\nimmediately\nprior\ntolate,\nthe\n(except\nin\nCT,purchase\nMO\nunder\n$150.00),\nand\nwill not\nexceed\nyou\npay\nlate\nagain\nduring\nmerchandise\nis(on\npaidany\nforpurchase\nin $200.00))\nfull\n(in\nNY,\nnot such\nto\nexceed\nof\nour\nmoney\nsecurity\ninterest\ninuntil\neach\nsuch\nitem\nnot fee\nexceed\n$28.00.\nIf $27.00.\nyou\npayIflate\nagain\nduring\nthe\nnext\nsix\nassessment\nof\nthe fee.\nIn\naddition,\nthe\nfirst\ntime\nyou\npay\nNY\n(onpurchase\nany\nunder\nitem\nS aIn\neaddition,\nMax\nmum La NY\ne Paymen\nassessment\nof\nthe\nfee.\nthe\nfirst\ntime\nyou\npay\nlate,\n(on\nanyFee\npurchase\nunder\n$200.00))\nuntil\nsuch\nitem\nnext\nsix\nbilling\ncycles,\nthe\nfee\nwill\nnot\nexceed\n$37.00.\nfivemerchandise,\n(5) years\nfrom\ndate\ntheinpurchase\nisallocated\nposted\nto\nyour\nbilling\ncycles,\nthe\nfee\nwill\nnot\nexceed\n$39.00.\nof\nyour\npayments\nwill\nbeNY,\nfirst\nto\nthe fee will not exceed\n$27.00.\nIf\nyou\npay\nlate\nagain\nduring\nthe\nof\nmerchandise\nis\npaid\nfor\nfull\n(in\nnot\nto\nexceed\nAK$27.00.\nAR CT\nH LA\nM\n$37 00theexcep\n$29\n00 Solely\nhe\nthe fee will not exceed\nIf you\npay MD\nlate again\nduring\nState\nMaximum\nLate\nPayment\nFee\nof\nmerchandise\nis\nfor in full\n(in to\nNY,any\nnotunpaid\nto\nexceed\nAccount).\nforpaid\nthe\npurpose\nof\ndetermining\ntheto\nextent\nany\nunpaid\ninsurance\npremium,\nnext\nLate\nnext\nsix\nbilling\ncycles,\nthe\nfee\nwill\nnot\nexceed\n$37.00.\nState\nMaximum\nLate\nPayment\nFee\nfive\n(5)\nyears\nfrom\ndate\nthe\npurchase\nis\nposted\nyour\nS a six\ne billing cycles,\nMaxnot\nmum\nLa ND\ne Paymen\nMN\nMS\nNV\nNH\nNY\nouFee\ns and ng bafive\nsyears\n$249 99\nnext\nthe\nfeeCT,\nwill\nexceed\n$37.00.$37.00\n(5)purchase\ndatesecurity\ntheReturned\npurchase\nisin posted\nto your\nofance\nour\nmoney\ninterest\neach the\nsuch\nitem\nAK,\nAR,\nHI, LA,\nMD, MI,\n(exceptAccount).\n$29.00\nif Solely\nthe from\nPayment\nunpaid\nPayment\nFees,\nany\nfor the\nthe\npurpose\nof determining\ndetermining\nextent\nAK,\n$37.00\n$29.00\nifFees,\nthe any\nOH AR,\nOR CT,\nPA\nSD\nW MD, MI,\no ess (exceptAccount).\nAK AR CT H LA MD\n$39HI,\n00LA,\nSolely\nfor\npurpose\nof\nthe\nextent\nof\nmerchandise,\nyour\npayments\nwill\nbe\nallocated\nfirst\nto\nState\nMaximum\nLate\nPayment\nFee\nMN, M\nMS, NV,\nNH,\nNY,\nND,\noutstanding\nbalance\nis\n$249.99\nunpaid\nInterest,\nand\nany\nother\nunpaid\nfees\nor\ncharges,\nof\nour\npurchase\nmoney\nsecurity\ninterest\nin\neach\nsuch\nitem\nState\nMaximum\nLate\nPayment\nFee\nNH, NY,\nND,\noutstanding\nbalance\nis\n$249.99\nMN MS NV NH NYMN,\nNDMS, NV,\n5%less)\no amoun of\npas\ndue\nbuinsurance\nno moneypremium,\nour\npurchase\nsecurity in\ninterest\ninany\neach\nsuch item\nany\nunpaid\nnext\nto\nunpaid\nLate\nOH, MI,\nOR, PA,\nPA,\nSD, WI\nWI\nor\nAK,\nAR,\nCT,\nHI,\nLA,\nMD,\n$39.00\nthen\nto\npay\noff\neach\npurchase\nthe\norder\nin\nwhich\nthe\nOH\nOR\nPA\nSD\nW\nof\nmerchandise,\nyour\npayments\nwill\nbe\nallocated\nfirst\nto\nOH,\nOR,\nSD,\nor\nless)\nAK, AR, CT, HI, LA, MD,\nMI,\n$39.00\nALND,\nmo e han $37of\n00merchandise,\nand no\nessany\nyour\npayments\nwill be\nallocated\nfirstany\nto\nPayment\nFees,\nunpaid\nReturned\nPayment\nFees,\nMN, MS, NV, NH, NY,\npurchase\nwas\nmade.\n5%no\nof amount\namount any\npastunpaid\ndue but\nbut\nnot\ninsurance\npremium,\nnext to\nto fees\nany unpaid\nunpaid\nLate\nMN, MS, NV, NH, NY, ND,\n5% o amoun pas due bu\n5%\npast\ndue\nnot\nhanof$18\n00 any\nunpaid\ninsurance\npremium,\nnext\nany\nLate\nunpaid\nInterest,\nand\nany\nother\nunpaid\nor\ncharges,\nOH, OR, PA, SD, WI\nOH,\nAL\nmore\nthan $37.00\n$37.00\nand not\nnot\nlessany unpaid Returned Payment Fees, any\nAL OR, PA, SD, WIAL\nmo e han $39 00 and no\nessthan\nPayment\nFees,\nmore\nPayment\nFees,\nReturned\nPayment\nFees,\n$10not\n00 excep\n$5 and\n00\nheless\nthen\nto pay\noff any\neachunpaid\npurchase\ninIf the\norder\nwhich\nthe\n5%\nof$18\namount\npast due\ndue but\nbut\n13.\nDefault/Collection\nyou\nfail into\npay any\nany\nhanof\n00 past\nthan\n$18.00 unpaid\n5%\namount\nnot$18.00\nInterest,\nand any\nanyCosts:\nother unpaid\nunpaid\nfees\nor charges,\ncharges,\nthan\nunpaid\nInterest,\nand\nother\nfees\nor\nAZ KS more\nm\nn\nmum\npaymen\ns\n$5\n00\nomade.\npurchase\nwas\nAL\nthan\n$39.00\nand\nnot\nless\nminimum\npayment\nwhen\ndue,in or\niforder\nthe in\nprospect\nof\n$10 00\nexcep\n$5 and\n00 not\nheless (exceptthen\nAL\nmore\nthan\n$39.00\n$10.00\n$5.00\nif\nthe\nto\npay\noff\neach\npurchase\nthe\nwhich\nthe\n$25\n$5.00\nthe\nto ifpay\noff each purchase\nin the order\nwhich the\nthan\n$18.00\nAZ KS\nm n mum\npaymen s $5 $10.00\n00 o00 (exceptthen\npayment,\nperformance,\nor realization\nof in\ncollateral\nis\nthan\n$18.00\nAZ,\nKS\nminimum\npayment\nis\n$5.00\nto\npurchase\nwas\nmade.\n13.\nDefault/Collection\nCosts:\nIf\nyou\nfail\nto\npay\nany\nAZ,\nKS\nminimum\npayment\nis\n$5.00\nto\npurchase\nwasimpaired,\nmade. to the extent permitted by applicable\n$10.00\n(except $5.00\n$5.00 ifif the\nthe\nCA CO DC\nA (except\n$15 00\n$25 00\n$10.00\nsignificantly\n$25.00)\nminimum\npayment\nwhen\ndue,\nor\nif\nthe\nprospect\nof\nAZ,\nKS\nminimum\npayment is\nis $5.00\n$5.00\nto\n$25.00)\nCA KS\n$15 VT\n00 payment\nCO DC\nDE NM TN\nNone\nAZ,\nminimum\nto\nlaw\nitDefault/Collection\nwill be\na default, and,\nto any\nyou\n13.\nDefault/Collection\nCosts:\nIf you\nyou\nfail\nto pay\npay may\nany\npayment,\nperformance,\nor subject\nrealization\nofright\ncollateral\nis\n13.\nCosts:\nIf\nfail\nto\nany\nCA, CO,\nCO, DC,\nDC,\nIA\n$15.00\n$25.00)\nDE NM TN VT\nNone\nCA,\nIA\n$15.00\n$25.00)\nFL MT NJ\nTX\n$10 00\nminimum\npayment\nwhen\ndue,notice\nor\nifof the\nthe\nprospect\nof\nhave\nunderpayment\nstate\nlaw to\nreceive\nand by\nto\ncure such\nsignificantly\nimpaired,\nto\nthe\nextent\npermitted\napplicable\nminimum\nwhen\ndue,\nor\nif\nprospect\nof\nCA,\n$15.00\nCO, NJ\nDC TX\nDE,\nNM,\nTN,\nVT\nNone\nFL MT\n$10\n00\nCA,\n$15.00\nCO,\nDC\nDE, NM, TN, VT\nNone\nGA\n$25 00\npayment,\nperformance,\nor subject\nrealization\nofbalance\ncollateral\nis\ndefault,\nwebe\nmay\ndeclareand,\nthe\nentire\nunpaid\nonmay\nthe\nlaw it will\na default,\nto any\nright\nyou\npayment,\nperformance,\nor\nrealization\nof\ncollateral\nis\nDE,\nNM, TN,\nTN, VT\nVT\nNone\nGA NM,\n$25\nFL, MT,\nMT, NJ,\nNJ,\nTX00\n$10.00\nDE,\nNone\nFL,\nTX\n$10.00\nsignificantly\nimpaired,\ntoreceive\nthe(except\nextent\npermitted\nby\napplicable\nAccount\ndue\nand\npayable\nin\nWI\nyou\nwill\nnot\nbe\nhave\nunder\nstate\nlaw\nto\nnotice\nof\nand\nto\ncure\nsuch\nsignificantly\nimpaired,\nto\nthe\nextent\npermitted\nby\napplicable\nFL,\nMT,\nNJ,\nTX\n$10.00\nA MT, NJ, TX\n$30 00\nFL,\n$10.00\nGA\n$25.00\nGA\n$25.00\nlaw\nit will\nwillwebe\nbe\ndefault,\nand,\nsubject\nto any\nanybalance\nright\nyou\nmay\nin\nuntil\nyou\nfail and,\ntothemake\na minimum\npayment\non\nG ea e o 5% law\no default\namoun\npas\ndefault,\nmay\ndeclare\nentire\nunpaid\nonmay\nthe\nit\naa default,\nsubject\nto\nright\nyou\nGA\n$25.00\nGA\n$25.00\nG ea e o 5% o amoun pas\n00have\nhave\nunder\nstate\nlaw\ntoareceive\nreceive\nnotice\nof\nand\nto\ncurenot\nsuch\nD\ndue o $15 00\nbu occasions\nno\no state\ntwo\nwithin\ntwelve\n(12)\nperiod).\nWe\nAccount\ndue\nand\npayable\n(except\nin month\nWIand\nyouto\nwill\nbe\nunder\nlaw\nto\nnotice\nof\ncure\nsuch\nIA\n$30.00\nD\ndue o $15 00 bu no o\nIA\n$30.00\nGreater\nof 5%\n5% default,\nof default\namount\npast\nexceed\n$37\nin\nuntil\nfail\nmake\na minimum\npaymen\non\nof\nof\namount\npast\nalso\nmaywerepossess\nanytothe\narticle\nof\nmerchandise\nin on\nwhich\nmayyou\ndeclare\nentire\nunpaid\nbalance\nthe\nexceed $39\n00of\nGreater\nof 5%\n5%\nof amount\namountGreater\npast\nGreater\nof\npast\n.00)\noccas\nons\nh n a interest,\nwe\nve 12\nh pe\nWe\nID\ndue\n(but\nnot\nto\ndue\npayable\n(except\nin mon\nWI\nwill\nnotonly\nbe\nwe\nstill\nretain\nawsecurity\nbut\nwe you\nwill\ndo od\nso\neaore$15.00\no 5% Account\nowoamoun\npasand\nG eaore$15.00\no 5% (but\no amoun\nID\ndue\nnot toGpas\ndefault\nyou to\nfail\ntoa extent\nmake\nminimum\n00in\nabu\nso\nmay\nepossess\nany\nc e oapermitted\nme chandbypayment\nseapplicable\nn wh on\nch\n$3700\nin\ntheno\nmanner\nand\nthe\nL KY WYexceed\ndue o $10\nountil\nL KY WY\ndue o $10\n00 bu no oexceed\n$39.00)\nwe\nsoccasions\nn awithin\nsecu\nn e esto(12)\nbu attorney\nwe w period).\ndo\nexceed $39\n00of amountGreater\nay twelve\nmonth\nWe\nexceed\n$37\nlaw.\nIf thee apast\nAccount\nis referred\nan\nwhosoison\nnoty\nof 5% two\nof amount\nGreater\nof 5%\npast\nn he\nmanne\nhearticle\nex\nedagainst\nby app\ncabtoe\n.00)\nalso\nmay\nofpemerchandise\nin you\nwhich\nN KY, WY\n$19 or\n00$10.00 (but not todue\nIL,\nIL,\n(but\nnot\ntorepossess\nour\nsalaried\nemployee\nand\nweenbring\namsuit\ns and oany\nN KY, WYdue\n$18 or\n50$10.00\naw stillthe\nhe amount\nAccoun you\ns owe,\ne interest,\ne ed\no an\no will\nney\nwhoamount\nno\nbutawe\ndo\nsosonly\nexceed\nLesse o$39.00)\n5% o amoun exceed\npas\ncollect\nin addition\nto\nthe full\nLesse\no$37\n5% owe\namounretain\npa a security\nME\nouthe\nsaand\na ed\nemp\nandyou\nweagree\nb permitted\nng to\na pay\nsu our\naga\nns\nyou o\nME\ndue o $10 00\nmanner\nandoyee\nto the\nextent\nby reasonable\napplicable\nIN\n$19.00\nowed\nanyst\ncourt\ncosts,\nIN\n$18.50\ndue o $10 00 in\nco ecIf the\nhe fees\namoun\nyou\nowe permitted\nn add\no applicable\nhe who\nu amoun\nLesse of\no 5%\n10%ofoamount\nou s and\nng\nlaw.\nAccount\nis extent\nreferred\nto an on\nattorney\nis law.\nnot\nLesser\npast\nattorney\xe2\x80\x99s\nto the\nby\nMA\nLesse\no 5%\n10%of\noamount\nouand\ns and\nLesser\nof\npangcou\nME\nba ance\no $10 00\nowed\nany\ncosand\ns you\nag\nee ao suit\npay ou\neasonab\nour\nsalaried\nemployee\nwe\nbring\nagainst\nyou\ntoe\nME\nMA\ndue\nor $10.00\nNotice\nto\nNew\nHampshire\nResidents:\nWe\nwill\npay\nyour\nba\nance\no\n$10\n00\ndue\nor\n$10.00\na o neythe\ns amount\nees o you\nhe exowe,\nen in\npeaddition\nm ed by\nappfull\ncab\ne aw\n$10 00 ofexcep\n$5outstanding\n00 he\ncollect\nto\nthe\namount\nLesser\n10% of\nreasonable\nattorney\xe2\x80\x99s\nfees\nif\nyou\nprevail\nin\na\nsuit\nwe\nbring\nMA\n10%owed\nof\n$10\n$5outstanding\n00\nhe\nMO\nm n mumorpaymen\n00 o00 ofexcep\nNo\nce\no any\nNewcourt\nHampsh\neyou\nRes\ndentos pay\nWeour\nw reasonable\npay you\nbalance\n$10.00 s $5 Lesser\nand\nagree\nMA\nagainst\nyou\nyoucosts,\nprevail\na suit\nyou nbring\nus\n$24 99\nbalance\n$10.00\nMO\nm n mumorpaymen\ns $5\neasonab\ne00\naoroiftoney\nees in\nyou\np eva\na su against\nwe blaw.\nng\nattorney\xe2\x80\x99s\nfees\nthes extent\npermitted\nby applicable\n$10.00 (except $5.00 if the\nunder\nAgreement.\nyouResidents:\na partial\n$24\nG ea e o payment\n5% o amoun\npas\naga\nnsthis\no Hampshire\nyou p If\neva\nnsuccessfully\na su youWe\nbassert\nng\nus\n$10.00\n$5.00\nifyou\nthe\nMO\nminimum\nis $5.00\nto99 (exceptNotice\nto\nNew\nwillaga\npaynsyour\ndefense\ncounterclaim,\nthe\ncourt\nmay\nor\nNE\ndue o $5 00 bu no o minimum\nexceed\nunde\nh or\ns Ag\nsuccess\nu inywithhold\nasse\napart\npa\na\n$24.99)\nMO\nis $5.00\ntoeemen feesyou\nG ea e o payment\n5% reasonable\no amoun\npas\nattorney\xe2\x80\x99s\nif\nyou\nprevail\na\nsuit\nwe\nbring\n$39 00\nall\nof\nany\nattorney\xe2\x80\x99s\nfees\nto\nwhich\nwe\nmay\nbe\nentitled.\nde\nense\no\ncoun\ne\nc\na\nm\nhe\ncou\nmay\nw\nhho\nd\npa\no\nNE\ndue\nno\no\nexceed\nGreater of 5% of amount$24.99)\npasto $5 00 bu\nagainst you or if you prevail in a suit you bring against us\n$10 or\n00$5.00\nexcep\n$5not\n00 to exceed\nhe 00\nNE\ndue\n(but\naof amount\no any\no ney s ees you\no whsuccessfully\nch we may be\nen aed\n$37\nthisaAgreement.\nassert\npartial\nGreater\nof 5% under\npast\n14.\nDown\nPayments, IfLimiting\nYour Credit,\nor Closing\nNC\nou s and ng ba ance s unde\n$39.00)\n$39.00)\nba\nance\nsto\nunde\ndefense\ncounterclaim,\nthe ng\ncourt\nmay\nwithhold\npart\nor\n$10\n00$5.00\nexcep\n$5not\n00\nhe\nNE\ndue\n(but\nexceed\nNE\ndue or\nor\n$5.00\n(but\nnot\ntoor\nexceed\n$100 00\nYour\nAccount:\nYou\nhave\nthe\nright\nto\nclose\nyour\nAccount\n14\nDown\nPaymen\ns\nL\nm\nYou\nC\ned\no\nC\nos ng\n$10.00\n$10.00 (except\n(except $5.00\n$5.00 ifif the\nthe\nof\nany\nattorney\xe2\x80\x99s\nfees\nto\nwhich\nwe\nmay\nbe\nentitled.\nNC\nou\ns and\nng all\n$37.00)\n$37.00)\nThe\ng\nea\ne\no\n5%\no\nhe\nunpa\nd\nYou\nheYou\nghwillo still\nc ose\nat\nanyAccoun\ntime, forYou\nany have\nreason.\nbe you\nliableAccoun\nfor any\nNC\noutstanding\nNC\noutstanding balance\nbalance is\nis under\nunder\n$100\n00(except\nbalance\nis\nunder\nOK\namoun o he ns a men$10.00\no\nthe\nbalance\nisififme\nunder\na$5.00\nany\no We\nany may\neason\nw s Credit,\nbe\neClosing\nany\n$100.00)\n$10.00\n(except\n$5.00\nthe\nbalances\nowed.\nlimitYou\nor terminate\ntheab\nuse\nofo your\n14.\nDown\nPayments,\nLimiting\nYour\nor\n$100.00)\n14.\nDown\nPayments,\nLimiting\nYour\nCredit,\nor\nClosing\n$25\n00\nno\no\nexceed\n$39\n00\nThe\ng ea e o Account\n5%ances\no heand/or\nunpa We\ndraise\nNC\noutstanding\nba\nowed\nmayor the\nm\no your\ne to\nm na\ne he\nuseAccount\noat you\nNC\noutstanding\nlower\ncredit\nlimit\nany\nThe\ngreater\nof\n5%\nof\nthe\nunpaid\nYour\nAccount:\nYou\nhave\nright\nclose\nyour\nThe\ngreater\nof\n5%\nof\nthe\nunpaid\nYour\nAccount:\nYou\nhave\nthe\nright\nto\nclose\nyour\nAccount\n37o00\nR\n$12 00\nOK\namoun\no he time\nns a and\nmenand\n$100.00)\nAccoun\no any\nareason\nse\no without\nowe\nyou\nc ed notice\nm to\na you.\nany\nOK\namount\nor\n$100.00)\nforfor\nany\nadvance\nat\nany\ntime,\nreason.\nYou\nwill\nstill\nliable\nfor\nany\nOK\namount of\nof the\nthe installment\ninstallment\nor\nanyand\ntime,\nfor\nany\nreason.\nYou\nwill\nstill be\nbeno\nliable\nfor\nany\n5% o amoun\npas due$39.00)\nbu no\n$24\n50\nno of\no at\nexceed\n$ transactions,\n$25.00\n(not\nto\nexceed\nme\no\nany\neason\nw\nhou\nadvance\nce\no\nyou\nThe\ngreater\n5%\nof\nthe\nunpaid\nOn\nsome\nwe\nmay\nrequire\na\ndown\npayment.\n$25.00\n(not\nto\nexceed\n$39.00)\nbalances\nowed.\nWe\nmay\nlimit\nor\nterminate\nthe\nuse\nof\nyour\nThe\ngreater of balances\n5% of theowed.\nunpaid\nmaywe\nlimit\nor terminate\nthe use\nof your\nSC\nmo e han $18 50 and no\ness\n37.00)\nbu\nnoWe\nR\n$12\n00\nOn\nsome\nansac\nons\nmay\nequ\necredit\naauthorization,\ndown\npaymen\nRI\n$12.00\nOK\namount\ninstallment\nor\n37.00)\nand/or\nraise\nor\nlower\nlimit\nat\nany\nRI\n$12.00\nSome\npurchases\nwill\nrequire\nouryour\nprior\nin\nOK\namount of\nof the\nthe Account\ninstallment\nor\nhan $7 40\nAccount\nand/or\nraise\nor\nlower\nyour\ncredit\nlimit\nat\nany\n18\n00\nand\nno\ness\nSome\npu\nchases\nw\nequ\ne\nou\np\no\nau\nho\nza\nonyou.\nn\n5%\nof\namount\npast\ndue,\nbut\nnot\n5%\no\namoun\npas\ndue\n$24.50\n(not\nto\nexceed\n$\nand\nfor\nany\nreason\nwithout\nadvance\nnotice\nto\nwhich\ncase\nyou\nmay\nbe\nasked\nto\nprovide\nidentification.\n5%\nofeamount\npast\ndue, $24.50\nbut\nnot (not to time\nexceed\n$\nG\nea\no\n5%\no\namoun\npas\ntime\nand\nforyou\nanymay\nreason\nwithout\nadvance\nnotice\nto you.\nSC\nmore\nthan\n$18.50\nand\nnot\nless\nwh\nch\ncase\nbe\nasked\no\np\nov\nde\nden\nfica\non\nSC\nmo\ne han $ On\nSC\nmore\nthan\n$18.50\nand\nnot\nless\nbut\nnot\nRI\n$12.00\nsome\ntransactions,\nwe\nmay\nrequire\na\ndown\npayment.\nIf\nour\nauthorization\nsystem\nis\nnot\nworking,\nwe\nmay\nUT\ndue\no\n$30\n00\nbu\nno\no\nbut\nRI\n$12.00\nOn ou\nsome\ntransactions,\nweem\nmay srequire\na down\nthan\n$7.40\nau\nho not\non sys\nno wo\nk ng payment.\nwe may\nhanof$7\n20 18.00\nthan\n$7.40\nand\nnot\nSome\npurchases\nwill\nrequire\nour\nauthorization,\nin\nexceed\n$39 00\n5%\npast\ndue,\nnot\nbe\nable\nto za\nauthorize\na transaction,\neven\nif you\nhave\n18.00\nnote less\nless\nSome\npurchases\nwill\nrequire\nour prior\nprior\nauthorization,\nin\n5%\nof amount\namount\npastand\ndue,\nGreater\nof\n5%\nof\namount\npast\nno\nbe\nab\no\nau\nho\nze\na\nansac\non\neven\nyou have\ncase\nyou\nmay\nbe\nasked\nto\nprovide\nidentification.\nGreater\nof 5% o\nof amount\nGpast\neabu\ne o $\n5% which\no amoun\npas\nSC\nmore\nthan\n5% o amoun\nns a men\nsufficient\navailable\ncredit.\nWe\nwill\nnot\nbe\nliable\nto\nyou\nwhich\ncase\nyou\nmay\nbe\nasked\nto\nprovide\nidentification.\nUT\ndue or $30.00 (but not tomore than $ 00su fic en ava ab e c ed We w no be ab e o you if\nSC\nVA\nUT\ndue\n$30.00 $39\n(but 00\nnot tothan\nsystem\nis\nworking,\nwe may\nno or\no exceed\nUT\ndue o $30 00 If\nbuour\nno authorization\no\nthis\nhappens.\nWe\nare\nnot\nfor\nof\nexceed $39.00)\nIf\nauthorization\nis not\nnot\nmay\nthan $7.20\n$7.20\nh sour\nhappens\nWe\na esystem\nnoa responsible\nespons\nb eworking,\no the\nheif refusal\newe\nusa\no\nexceed\n$39.00)\nbe\nable\nto\nauthorize\ntransaction,\neven\nyou\nhave\nexceed $37\n$39of\n00amount\nexcep of10%\no he\nanyone\nto\naccept\nor\nhonor\na\nCard\nassociated\nwith\nthis\nGreater\nof 5% not\nof\namount\npast\nnot\nbe\nable\nto\nauthorize\na\ntransaction,\neven\nif\nyou\nhave\n5%\ninstallment\n(but\nanyone\no\naccep\no\nhono\na\nCa\nd\nassoc\na\ned\nw\nh\nh\ns\nGreater\nof\n5%\nof\namount\npast\nVA\n5%\nof\namount\nof installment\n(but\nave\nage\nda\ny\nba\nance\no\np\no\nsufficient\navailable\ncredit.\nWe\nwill\nnot\nbe\nliable\nto\nyou\n00\n.00)\n5% oor amoun\no ns\na to\nmen\nbuds credit.\nAccount.\nAll\nCards\nwe\nissue\nproperty\nnot to exceed $39.00) due\nVA\nUT\n$30.00\n(but\nnot\nsufficient\navailable\nWeremain\nwill not\nto\nyou ifif\nAccoun\nCaWe\nwe not\nssue\nema\nn our\noube\npliable\nope refusal\ny and,\nand\n.00)\nVA\nnot\nto exceed\nWA\n30 day\npe od $39.00)\nbu no ess\nhan\nUT\ndue\nor\n$30.00\n(but happens.\nnot toA\nthis\nare\nresponsible\nfor\nthe\nof\nno\no\nexceed\n$37\nrequested,\nyou\nagree\nto\nany\nCard\ntoo you.\nexceed\nthis\nhappens.\nare\nnot\nthe refusal\nof\n$39.00\nthe\neques\ned\nyouWe\nag or\nee honor\no return\neresponsible\nua nCard\nany associated\nCafor\nd issued\nssued\nyou\n$2 00 (except\nhe ba 10%\nance of\ness\nhan $37\nexceed\n$37 ba\n$39.00\n(except\n10%\nofs the\nanyone\ntooat\naccept\nwith\nthis\nance\np o\naverage\nbalance for\nprior\n.00)\nWe\nmay,\nour\ndiscretion,\npermit\nyouassociated\ntoo make a purchase\n$37\n00amount\nexcepanyone\no to\naccept\nwithchase\nthis\nmay\nahe\nou\nd scorwe\ne honor\non\npearemain\nmCard\npu\n5%\nof\nof10%\ninstallment\n(but\n$100 00 daily\naverage\ndaily\nbalance\nfor\nprior\n.00)\nAccount.\nAll\nCards\nissue\nour\nproperty\nand,\nif\nVA\n5%\nof\namount\nof\ninstallment\n(but\nWA\n30-day period, but not less\nthan\nhan stated\nave\nage\nda y $37\ninn excessess\nof\nyour\ncredit\nlimit.\nIfour\nweproperty\ndo so,\nwill\nAccount.\nAll\nCards\nissue\noyou\nyou\ns we\na ed\ned remain\nm\nso this\nhand,\nsyou.\nw if\nnot\nto\nexceed\nVA\n5% o amoun\ndueless\nbu than\nno\nWA\n30-day\nperiod, pas\nbut not\nrequested,\nagree\nto creturn\nany Card issued\nto\nnot\nto\nexceed\n$37\n$2.00, if the balance is less\nthan\nWV\nWA\n30\nday\npe\nod\nbu\nno\nrequested,\nyou\nagree\nto return\nissued\nto you.\nnot\npermanently\nincrease\nyour\ncredit\nlimit.\nTo request\nthe\nno\npeofmanen\nnc ease\nyou\nc any\ned\nmmake\nhe\no exceed\n$30\n00\n$2.00,\nif the\nbalance\nis less\nthan (exceptbalance\nfor\npriorydiscretion,\n$37.00\n10%\nthe\nWe\nmay,\nat\nour\npermit\nyouCard\nto\naeques\npurchase\n$100.00)\nfor\nprior\n$100\n$37.00\n10%\nofo\nthe\n$2 0000(except\nhe babalance\nance\nsless\ness\nhan\nWe\nmay,\nat\nour\npermit\nto\nmake\naCus\npurchase\nnames\nou\nediscretion,\na stated\ned b and\newelimit.\neyou\ns p\nease\ncaso,\nome\n$100.00)\nthan\ndaily in\nexcess\nof\nyour\ncredit\nIf\nwe\ndo\nthis\nwill\n5% of amount past due, average\nbut\nnot\nthan\naverage\ndaily in\n5%\no amoun\npas\nduealess\nbu\nno 875\nSe\nvpermanently\nce\n1 866\n0891\nexcess\nof\nyour\nstated\ncredit\nlimit. Iflimit.\nwe do\nthis will\nWV\n5%exceed\nof amount\npast due, 30-day\nbut not\nWA\nperiod,\nbut\nnot\nnot\nincrease\nyour credit\nTo so,\nrequest\nthe\nWV\n$30.00\nWVwill add any Late\nWA\n30-day\nperiod,\nbutpermanently\nnotis less thanincrease your credit limit. To request the\nWe\nPaymentto\nto your\nAccount\xe2\x80\x99s\no regular\nexceed\n$30\n00\nnot\ntoFee\nexceed\n$30.00\n$100.00)\n$2.00,\nif\nthe\nbalance\nnames of our related brand jewelers, please call Customer\n$100.00)\n$2.00, if the balance\nis\nthan\nbalance.\nnames\nofatless\nour\nrelated\nbrand jewelers, please call Customer\n7 11 19 2 39 PM\n5% of amount Service\npast due,\nbut\nnot\n1-866-875-0891.\n5%regular\nof amount\npast due,\nnot\nService\nat but\n1-866-875-0891.\nWe will add any LateWV\nPayment Fee to your Account\xe2\x80\x99s\nto\nexceed\n$30.00\nWV\n\n\x0cNC, OK, RI, WV\n\nnames of our related brand jewelers, please call Customer\nnot\npermanently\nincrease your credit limit. To request the\nService\nat 1-866-726-5617.\nnames of our related brand jewelers, please call Customer\n15. Change\nin This Agreement: To the extent permitted\nService\nat 1-866-726-5617.\nby law, we may change any term of this Agreement,\n15.\nin Annual\nThis\nAgreement:\nTo Rate\nthe\nextent\npermitted\nincluding\nany\nPercentage\norTofee,\nas well\nnot Change\npermanently\nincrease\nyour credit\nlimit.\nrequest\nthe\nby\nlaw,and/or\nchange\nany\nterm\noffurnish\nthiscall\nAgreement,\nas\nadd\nsubtract\nterms.\nWe\nwill\nyou\nnotice\nnames\nofwe\nourmay\nrelated\nbrand\njewelers,\nplease\nCustomer\nincluding\nAnnual\nPercentage\nor fee,\nas well\nof\nthe change\nto\nthe extent\nrequiredRate\nby law.\nIf permitted\nService\nat any\n1-866-726-5617.\nas\nand/or subtract\nterms.\nwillmay\nfurnish\nyou option\nnotice\nby add\napplicable\nlaw, any\nnew We\nterms\nat our\n15.the\nChange\nintoany\nThis\nAgreement:\nTo the\nextent\npermitted\nof\nchange\nthebalance\nextent required\nbyonlaw.\npermitted\nbe\napplied\nto\nexisting\ntheIfAccount\nat\nby applicable\nlaw,\nany\nterm\nof\nthisat Agreement,\nby\nlaw,change\nanyasnew\nmay\nour option\nthe\ntimewe\nof may\nchange,\nwellterms\nas to\nany\nsubsequent\nincluding\nAnnual\nPercentage\nor fee,\nas well\nbe\nappliedany\nto any\nbalance\nexistingRate\non the\nAccount\nat\ntransactions.\nas add\nand/or\nsubtract terms.\nyou notice\nthe\ntime\nof change,\nas wellWeaswill\nto furnish\nany subsequent\n16.\nCredit\nInvestigation:\nYou\nauthorize\nus toIfinvestigate\nof the\nchange\nto the extent\nrequired\nby law.\npermitted\ntransactions.\nyour\ncredit history\nconsumer\nand\nby applicable\nlaw, by\nanyobtaining\nnew terms\nmay atreports\nour option\n16.\nCredit Investigation:\nYouexisting\nauthorize\nto where\ninvestigate\nby\nmaking\ndirect\nof\nbusinesses\nyou\nbe applied\nto\nany inquiries\nbalance\nonusthe\nAccount\nat\nyour\ncredit\nby obtaining\nconsumer\nreports\nanda\nhave\naccounts\nand where\nmay\nrequest\nthe time\nofhistory\nchange,\nas you\nwellwork.\nas\ntoWeany\nsubsequent\nby\nmaking report\ndirect from\ninquiries\nof businesses\nyou\nconsumer\nconsumer\nreportingwhere\nagencies\ntransactions.\nhave\naccounts and\nyou work.\nWeAccount\nmay request\nin considering\nyourwhere\napplication\nfor this\nor anya\n16. Credit\nInvestigation:\nYou us\nauthorize\nus in\nto connection\ninvestigate\nconsumer\nreport\nconsumer\nagencies\nother\naccount\nyou from\nhave with\nand reporting\nlater\nyour\ncredit\nhistory\nby\nobtaining\nreports\nand\nin\nconsidering\nyour\napplication\nforconsumer\nAccount\nor any\nwith\nan\nupdate,\nrenewal,\nextension\nofthis\ncredit\nor\ncollection\nby the\nmaking\ndirect\ninquiries\nof\nbusinesses\nwhere\nother\naccount\nyou\nhave\nwith account\nus and\nlater\nconnection\nof\nAccount\nor any\nother\nyou in\nhave\nwith you\nus.\nhavean\naccounts\nand\nwhere\nyou\nwork.\nWe may\nrequest a\nwith\nupdate,\nrenewal,\nextension\nofwhether\ncredit\nor\ncollection\nUpon\nyour\nrequest\nwe\nwill\ndisclose\na consumer\nconsumer\nreport\nfrom\nconsumer\nreporting\nof\nthe Account\nor any\nother\nyouaddress\nhave agencies\nwith\nus.\nreport\nwas requested\nand\ntheaccount\nname and\nof any\nin considering\nyourwe\napplication\nfor whether\nthis Account\nor We\nany\nUpon\nyour reporting\nrequest\nwill disclose\nconsumer\nconsumer\nagency\nthat furnished\nthea report.\nother report\naccount\nyou have\nandand\nlater\nin connection\nreport\nwas requested\nandwith\nthe us\nname\naddress\nany\nmay\ninformation\nabout\nyour\nAccount\nto of\ncredit\nwith an update,\nrenewal,\nextension\nof\ncredit\ncollection\nconsumer\nreporting\nagency\nthat furnished\ntheorreport.\nWe\nbureaus.\nLate\npayments,\nmissed\npayments,\nor other\nof thereport\nAccount\nor\nany other\naccount\nyou on\nhave\nus.\nmay\ninformation\nabout\nAccount\ntowith\ncredit\ndefaults\non your\nAccount\nmay\nbeyour\nreflected\nyour\nUpon your\nrequest\nwe that\nwill disclose\nwhether\nconsumer\nbureaus.\npayments,\nmissed\nor other\nreport.\nIf Late\nyou\nbelieve\nwe havepayments,\nreporteda inaccurate\nreport was\nrequested\nandmay\nthebe\nname\nand address\ndefaults\non your\nAccount\nreflected\nonwrite\nyourtoof\ncredit\ninformation\nto a consumer\nreporting\nagency,\nusany\nat\nconsumer\nreporting\nagency\nthathave\nfurnished\nthe report.\nWe\nreport.\nIfFSyou\nbelieve\nthat P.O.\nwe\nreported\ninaccurate\nGenesis\nCard\nServices,\nBox\n4485,\nBeaverton,\nOR\nmay reporttoand\ninformation\nabout\nyour\nAccount\ninformation\na consumer\nreporting\nagency,\nwritetotocredit\nus at\n97076-4485\nwe will investigate\nthe\nmatter.\nbureaus.FSLate\nmissed\npayments,\nor other\nGenesis\nCardpayments,\nServices, P.O.\nBox 4485,\nBeaverton,\nOR\n17.\nNo Waiver\nUs:\nmay,\nwithout\nnotice\nyou,\ndefaults\non your\nAccount\nmay\nbe reflected\non yourtocredit\n97076-4485\nand by\nwe\nwill We\ninvestigate\nthe matter.\ndelay\nfrom that\nenforcing\nourreported\nrights under\nthis\nreport.orIf refrain\nyou believe\nwe have\ninaccurate\n17.\nNo Waiver\nby losing\nUs: Wethem\nmay,(e.g.,\nwithout\nnotice\nto\nyou,\nAgreement\nwithout\nwe may\nextend\nthe\ninformation\nto a consumer\nreporting\nagency,\nwrite\nto us\nat\ndelay\nrefrain\nfrom\nenforcing\nour\nrights\nunder\nthis\ntime\ntoormake\nsome\npayments\nextending\nthe time\nGenesis\nFS\nCard\nServices,\nP.O.without\nBox\n4485,\nBeaverton,\nOR\nAgreement\nwithout\nthem (e.g.,\nwematter.\nmay extend\nthe\nto\nmake other\npayments,\naccept\nlatethe\nor\npartial\npayments\n97076-4485\nand\nwelosing\nwill investigate\ntime\nto make\nsome\nwithout\nextending\nthemade\ntime\nwithout\nwaiving\nourpayments\nright to have\nfuture\npayments\n17.make\nNo\nWaiver\nbyand/or\nUs: We\nmay,any\nwithout\nnotice\nto you,\nto\nother\npayments,\naccept\nlate\nor partial\npayments\nwhen\nthey\nare due,\nwaive\ncharge\nor fee\nwithout\ndelay or\nrefrain\nenforcing\nour rights\nwithout\nwaiving\nright\ntothat\nhavecharge\nfuture\npayments\nlosing\nour\nright our\ntofrom\nimpose\nor\nfee under\nwhenmade\nitthis\nis\nAgreement\nwithout\nlosingwaive\nthem any\n(e.g.,\nwe may\nextend\nthe\nwhen\nthey are\ndue,\nand/or\ncharge\nor fee\nwithout\ndue\nunder\nthis\nAgreement).\ntime toour\nmake\nsome\npayments\nthe time\nlosing\nright\nto impose\nthatwithout\nchargeextending\nor fee when\nit is\n18.\nCustomer\nExcept\nas prohibited\nby\nto make\npayments, accept late\nor partial\npayments\ndue\nunderother\nthis Communications:\nAgreement).\nlaw,\nyou waiving\nagree that\nwithfuture\nus may\nbe monitored\nwithout\nouryour\nrightcalls\nto have\npayments\nmade\n18.\nCommunications:\nthatwithout\nyour\nand/or\nrecorded\nand\nthat waive\nwe (and\nour agree\nsuccessors\nand\nwhenCustomer\nthey\nare due,\nand/or\nanyYou\ncharge\nor fee\ncalls\nwith\nus\nmay\nbe\nmonitored\nand/or\nrecorded\nand\nthat\nassigns,\nor\nanyone\nacting\non\nour\nbehalf)\nmay\ncontact\nlosing our right to impose that charge or fee when it is\nwe\nanyone\nacting\non our behalf)\nmay contact\nyou\nyou\nfrom\ntime\ntime regarding\nyour Account\n(including\ndue(or\nunder\nthis to\nAgreement).\nfrom\ntime to timepurposes)\nregarding your\n(including\nfor\nfor collections\nand Account\nmay suppress\ncaller\n18. Customer\nCommunications:\nYou\nthat\ncollections\npurposes).\nYou agree\nfurtherthat\nagree\nof your\nour\nidentification.\nYou\nfurther\nallagree\nofthat\nourall\ncontacts\ncalls you\nwithwith\nus the\nmay\nbe monitored\nrecorded\nand and\nthat\ncontacts\nyoucontacts\nmay\nbe by\nmade\nvia\nemail,\ntext messages\nwith\n(or\nourand/or\nagents,\nsuccessors\nwewith\n(or an\nanyone\non made\nourand\nbehalf)\nmay\nyou\nor\nautomated\nor similar\nassigns\nwith\nyou)acting\nmaydialing\nbe\nviaannouncing\nemail,\ntextcontact\nmessages\nfrom\ntime\ntime\nregarding\nyour\nAccount\n(including\nfor\ndevice\nand/or\nan artificial\nvoice\nor prerecorded\nmessage.\nor\nwith\nan to\nautomated\ndialing\nand\nannouncing\nor\nsimilar\ncollections\npurposes).\nYou\nfurther\nagree\nall of our\nYou\nalso\nagree\nthat\nwe may\ncontact\nyou\nat that\nany telephone\ndevice\nand/or\nan\nartificial\nvoice\nor prerecorded\nmessage.\ncontacts\nwith\nyou\nemail,\ntextcharged\nmessages\nnumber\nyou\nprovide\ntobe\nus,made\nevenviaif telephone\nyou are\nby\nYou\nagree\nthat\nyoumay\nwill\nnot\nprovide\nnumber(s)\nor with\nanyou\nautomated\ndialing\nand\nannouncing\nor\nsimilar\nyour\nservice\nprovider,\nwhether\na residential\noragree\nbusiness\nfor\nwhich\nare not the\nsubscriber.\nYou also\nthat\ndevice\nan\nartificial\nvoice\nmessage.\nnumber,\neven\nif that\nnumber\nis or\nonprerecorded\na Do Notmay\nCall\nlist, is\nwe\n(or and/or\nour\nagents,\nsuccessors\nassigns)\ncontact\nYou\nalso\nagree\nthat we\nmay\ncontact\nat\nayou\nwireless,\ncellular\nor number\nmobile\nnumber;\nis any\nconverted\nto\nat any\ntelephone\nyou you\nprovide\nto telephone\nus, even\nprovide\nus, or\neven\nif you\nare\ncharged\naifnumber\nmobile/wireless\nnumber;\nconnects\nto any\ntype by\nofa\nyou areyou\ncharged\nbytoyour\nservice\nprovider,\nwhether\nyour service\nwhether\na residential\nor business\nmobile/wireless\ndevice.number,\nYou agree\nthat\nany number\nconsent\nresidential\nor provider,\nbusiness\neven\nif that\nisyou\non\neven\nif that\nnumber iscellular\nonyour\na Do\nNot Call\nlist,opt\nis\nprovide\nsurvive\nof\nTo\nanumber,\nDo Notwill\nCall\nlist,\nis atermination\nwireless,\nor Account.\nmobile\nnumber;\na wireless,\noryou\nmobile\nis converted\nto\nout\nof these cellular\ncontacts,\nmay number;\ncallnumber;\nCustomer\nat\nis\nconverted\nto a mobile/wireless\norService\nconnects\na mobile/wireless\nnumber; or connects\nto any\ntypethat\nof\n1-866-726-5617.\nto\nany type of mobile/wireless\ndevice. You\nagree\nmobile/wireless\nany consent\nyou\nany\nconsent you device.\nprovideYou\nwill agree\nsurvivethat\ntermination\nof your\nprovide will survive termination of your Account. To opt\nout of these contacts, you may call Customer Service at\n418594-60005_Genesis-Sterling\nNew Rev3.indd 2\n1-866-726-5617.\n94188_418594-60005_Genesis-Sterling_r5.indd 2\n\nAccount, and shall inure to the benefit of any of our agents,\n19.\nGoverning\nLaw: This\nand your\nAccount\nand\nsuccessors\nor assigns.\nTo Agreement\nopt out of these\ncontacts,\nyou may\nany\nclaim, dispute,\nor controversy\narising from\nor relating\nto\ncall Customer\nService\nat 1-866-726-5617.\nTo stop\nreceiving\nthis\nAgreement\nor your Account\ngoverned,selected,\nto the extent\nonline\ncommunications\nthat youarepreviously\nyou\napplicable,\nby your\nU.S. federal\nlaw and\nlaw ofinto\nthe state\nof your\nmust update\npreferences\nbythe\nlogging\nthe Account\n19. Governing\nLaw: This\nAgreement\nyour Account\nand\nbilling\naddresswebsite;\nwhen\nthis\nAccount\nwasand\nopened\nor,\nfor nonmanagement\nwe cannot\nmanage\nthose\npreferences\nanyyou.\nclaim,\ndispute,\nor controversy\nor relating\nto\nU.S.\nresidents,\nthe law\nof the statearising\nwherefrom\nthe Account\nwas\nfor\nthis Agreement\nyourtoAccount\ngoverned,\nto theunless\nextent\nopened\n(without or\nregard\nconflictsare\nof laws\nprinciples),\n19.\nGoverning\nLaw:\nThis Agreement\nand\nyour\nand\napplicable,\nby\nU.S.\nfederal\nlaw\nlaw moved\nof\nthe Account\nstate\nof your\nwe\nreceive\nwritten\nnotice\nthatand\nyouthe\nhave\nto another\nany\nclaim,\ndispute,\nortothis\ncontroversy\nfrom\noror,relating\nto\nbilling\naddress\nwhen\nAccountarising\nwasIfopened\nfornotice\nnonU.S.\nstate\npursuant\nParagraph\n20.\nwe receive\nthis\nor your\nAccount\nare where\ngoverned,\ntoany\ntheAnnual\nextent\nU.S.\nresidents,\nthe\nlaw\nof\nthe\nstate\nwas\nof\na Agreement\nchange\nin your\nbilling\naddress,\nexceptthe\nforAccount\napplicable,\nby\nU.S.\nfederal\nand the\nlaw of\ntheperiodic\nstate ofunless\nyour\nopened (without\nregard\nto law\nconflicts\nof laws\nprinciples),\nPercentage\nRate\n(and\ncorresponding\nmonthly\nrate)\nbilling\naddress\nthis Account\nor,tofor\nnonwe receive\nnotice\nthat\nyouwas\nhave\nmovedapplicable\nanother\napplicable\ntowritten\nanywhen\noutstanding\nbalance,\ntheopened\nterms\nto\nU.S.\nresidents,\nthe\nstate 20.\nwhere\ntheto\nAccount\nwas\nU.S.state\nstate\nto of\nParagraph\nIfapply\nwe\nreceive\nnotice\nthe\nof pursuant\nyourthe\nnewlaw\nbilling\naddress\nwill\nall balances\nopened\n(without\nregard\nto conflicts\nof laws\nprinciples),\nunless\nof ayour\nchange\nin your\naddress,\nexcept\nforofany\nAnnual\non\nAccount\nafterbilling\nwe\nreceive\nwritten\nnotice\nyour\nnew\nwe\nreceive\nwritten\nnotice\nthat youRate\nhave\nmoved\nto another\nPercentage\nRate\n(and\ncorresponding\nmonthly\nperiodic\nrate)\naddress.\nAny\nAnnual\nPercentage\n(and\ncorresponding\nU.S.\nstateperiodic\npursuant\nto applicable\nParagraph\nIf\nwe receive\nnotice\napplicable\nto\nany outstanding\nbalance,\nterms\napplicable\nto\nmonthly\nrate)\nto20.athe\nbalance\noutstanding\nof\nchange\nin your\naddress,\nexcept\nany\nAnnual\ntheastate\nof your\nnew\naddress\nwill\napplyfor\ntowill\nall continue\nbalances\nprior\nto notification\nof billing\nabilling\nchange\nin billing\naddress\nPercentage\nRatebalance\n(and\nmonthly\nonapply\nyour to\nAccount\nafter corresponding\nweuntil\nreceive\nwritten\nof yourrate)\nnew\nto\nsuch\nit is paid\noff.noticeperiodic\napplicable\nto any\noutstanding\nbalance,\nthe(and\ntermscorresponding\napplicable to\naddress. Any\nAnnual\nPercentage\nRate\n20.\nChange\nof Address\nor Other\nContact\nInformation:\nYou\nthe\nstate\nof\nyour\nnew\nbilling\naddress\napply\nto outstanding\nall balances\nmonthly\nperiodic\nrate)\napplicable\ntowill\na balance\nagree\ntonotification\nnotify us after\npromptly\nin writing\nof address\nany\nchanges\nto your\non\nyour\nAccount\nreceive\nwritten\nnotice\nof your\nnew\nprior\nto\nof awe\nchange\nin billing\nwill\ncontinue\nbilling\nphonePercentage\nnumber,\naddress,\nand other\naddress.\nAnnual\nRateoff.\n(and\ncorresponding\nto applyaddress,\ntoAny\nsuch\nbalance\nuntil it is email\npaid\ncontact\nUntil\nwe receive\nnotice\nof your\nmonthlyinformation.\nperiodic rate)\napplicable\nto awritten\nbalance\noutstanding\n20. Change\nof Address\nor Other\nContact\nYou\nnew\nbilling\naddress\naddress,\nifaddress\nyouInformation:\nhave\nto\nprior\nto notification\nofora email\nchange\nin billing\nwillelected\ncontinue\nagree\ntonotices\nnotify\npromptly\nofoff.\nany changes\nyour\nreceive\nelectronically,\nto sendtobilling\nto\napply\nto\nsuchus\nbalance\nuntilinwe\nitwriting\niswill\npaidcontinue\nbilling address,\nphone\nnumber,\nemail\naddress,\nandonother\nstatements\nand other\nnotices\nto the\naddress\nwe have\nfile\n20.\nChange\nof Address\nOther\nContact\nYou\ncontact\ninformation.\nUntilorto\nwe\nreceive\nwritten\nyour\nfor\nyour\nAccount.\nSubject\nParagraph\n19,Information:\nwenotice\ndeem of\nyou\nto\nagree\nto\nus promptly\nin address,\nwriting\nany\nto your\nnew billing\nor email\nyou\nhave\nelected\nto\nreside\nat notify\ntheaddress\nbilling\naddress\nwe\nhave onofiffile\nforchanges\nthe purpose\nof\nbilling\nphone\nemail\nand billing\nother\nreceive address,\nnotices\nelectronically,\nwe will\ncontinue\nto send\napplying\nterms that\nvary number,\nwith your\nstate\nofaddress,\nresidence.\ncontact\ninformation.\nwe to\nreceive\nwritten we\nnotice\nstatements\nand otherUntil\nnotices\nthe address\nhaveofonyour\nfile\n21.\nWe\nmay\nsell,\ntransfer, or\nassign\nourelected\nrights\nnew\nbilling\naddress\nor\nemail\nif 19,\nyou\nhave\nto\nfor Assignment:\nyour\nAccount.\nSubject\nto address,\nParagraph\nwe\ndeem\nyou or\nto\nobligations\nthis\nAgreement\nwithout\nnotice\ntobilling\nyou.\nreceive\nelectronically,\nwill\ncontinue\nto\nsend\nreside atnotices\ntheunder\nbilling\naddress\nwewe\nhave\non\nfileprior\nfor the\npurpose\nof\nYou\nmay not\nsell,that\ntransfer,\nor assign\nyour\nrights\nobligations\nstatements\nand\nother\nnotices\nto thestate\naddress\nweorhave\non file\napplying\nterms\nvary\nwith\nyour\nof\nresidence.\nunder\nthisAccount.\nAgreement\nor your\nAccount. 19, we deem you to\nfor your\nSubject\nto Paragraph\n21. Assignment:\nWeaddress\nmay sell,\nrights of\nor\nreside\nat the billing\nwetransfer,\nhave on or\nfileassign\nfor theour\npurpose\n22.\nLiability\nforthat\nUnauthorized\nUse:\nYouofprior\nagree\nto notify\nus\nobligations\nunder\nthis\nAgreement\nwithout\nnotice\nto you.\napplying\nterms\nvary\nwith your\nstate\nresidence.\npromptly\nif your\nis lost\nstolen,\nor rights\nof the or\nunauthorized\nYou may not\nsell,Card\ntransfer,\noror\nassign\nyour\nobligations\nuse\nof\nyour\nCard, by\nto us\nat Genesis\nFS Card\n21.\nAssignment:\nWewriting\nmay\nsell,\ntransfer,\nor assign\nourServices,\nrights or\nunder\nthis Agreement\nor your\nAccount.\nP.O.\nBox 4480,\nBeaverton,\nOR 97076-4480\nor bynotice\ncalling\nat\nobligations\nunder\nthis Agreement\nwithout prior\ntous\nyou.\n22. may\nLiability\nfor transfer,\nUnauthorized\nUse:your\nagreeor\ntoobligations\nnotify\n1-866-726-5617.\nIf you orally\ngive\nusYou\nnotice,\nyou\nagree us\nto\nYou\nnot sell,\nor assign\nrights\npromptly\nyour Card\nismay\nlost\norAccount.\nstolen,fororunauthorized\nof the unauthorized\nconfirm\ninifAgreement\nwriting.\nYouor\nliable\nuse of\nunder\nthis\nyourbe\nuse of\nyourprior\nCard,\nwriting\nto us atofGenesis\nCard\nyour\nCard\nto by\nyour\nnotification\nus. YouFS\nwill\nnotServices,\nbe liable\n22.\nLiability\nUnauthorized\nUse:\nYou\nnotify\nus\nP.O.unauthorized\nBox 4480,forBeaverton,\n97076-4480\nornotify\nby to\ncalling\nat\nfor\nuse that OR\noccurs\nafter\nyouagree\nus\nofusthe\npromptly\nyour\nCard\nis lost\nor and,\nstolen,\nornotice,\nofcase,\nthe unauthorized\n1-866-726-5617.\nIf you\norally\ngive inusany\nyou\nto\nloss,\ntheft,ifor\nunauthorized\nuse\nyouragree\nliability\nuse\nof your\nCard,\nbyYou\nwriting\nat Genesis\nFS Card Services,\nconfirm\nin writing.\nmaytobeusliable\nfor unauthorized\nuse of\nwill\nnot\nexceed\n$50.00.\nP.O.\nOR 97076-4480\norwill\nby calling\nus at\nyourBox\nCard4480,\nprior Beaverton,\nto your notification\nof us. You\nnot be liable\n23.\nAuthorized Users:\nYou\nmaygive\nrequest\nadditional\non\n1-866-726-5617.\nIf you\norally\nus notice,\nyou Cards\nagree\nto\nfor unauthorized\nuse\nthat\noccurs\nafter\nyou\nnotify\nus\nof the\nyour\nand you\naninAuthorized\nhave\nconfirm\nin writing.\nYoumay\nmaypermit\nbe liable\nfor\nunauthorized\nuse\nof\nloss,Account,\ntheft,\nor unauthorized\nuse\nand,\nany\ncase, User\nyour to\nliability\naccess\ntoexceed\naprior\nCard.\nHowever,\nif you do,\nyouYou\narewill\nresponsible\nfor\nyour\nCard\nto\nyour notification\nof us.\nnot be liable\nwill not\n$50.00.\nall\nmade use\nby the\nUser,\nfor charges\nunauthorized\nthatAuthorized\noccurs after\nyouincluding\nnotify uscharges\nof the\n23.which\nAuthorized\nUsers:\nYouuse\nmay\nrequest\nadditional\nCards\non\nfor\nmay\nnot have\nintended\nbe\nresponsible.\nYou\nloss,\ntheft,you\nor unauthorized\nand,\ninto\nany\ncase,\nyour\nliability\nyournot\nAccount,\nyou may\nan Authorized\nUser to have\nmust\nnotify\nusand\nto\nrevoke\nanpermit\nAuthorized\nUser\xe2\x80\x99s permission\nto\nwill\nexceed\n$50.00.\naccess\na Card. However,\nif you\narethe\nresponsible\nfor\nuse\nyourtoAccount.\nIf you do so,\nwe do,\nmayyou\nclose\nAccount and\n23.\nAuthorized\nYou\nmaya request\nCards\non\nall charges\nthe\nAuthorized\nUser,additional\nincluding\ncharges\nissue\na new made\nCardUsers:\norbyCards\nwith\ndifferent\nAccount\nnumber.\nyour\nAccount,\nan Authorized\nUser to have\nfor which\nyou and\nmayyou\nnotmay\nhavepermit\nintended\nto be responsible.\nYou\n24.\nCompliance:\nAgreement\naccess\nto a Card.\nyou do, youUser\xe2\x80\x99s\nareThis\nresponsible\nfor\nmustMilitary\nnotify\nusLending\nto However,\nrevokeAct\nanifAuthorized\npermission\nto\nshall\nbe Account.\ninterpreted\nto do\ncomply\nthe including\nMilitary\nLending\nall\nmade by\nthe\nAuthorized\nUser,\ncharges\nusecharges\nyour\nIf you\nso, wewith\nmay\nclose\nthe Account\nand\nAct,\nincluding\nits\nona permissible\nloan terms\nand\nfor\nwhich\nyou\nmayrestrictions\nhavewith\nintended\nto beAccount\nresponsible.\nYou\nissue\na new\nCard\nornot\nCards\ndifferent\nnumber.\nlimitations\nfees. For Accounts\nopened on\nmust notifyon\nus interest\nto revokeand\nan Authorized\nUser\xe2\x80\x99s permission\nto\n24.after\nMilitary\nLending\nAct\nCompliance:\nThis\nAgreement\nor\nOctober\n3,If2017,\nifso,\nyou\na close\nCovered\nas\nuse\nyour\nAccount.\nyou do\nweare\nmay\nthe Borrower\nAccount\nand\nshall abenew\ninterpreted\nto comply\nwith\nMilitary\nLending\ndetermined\nin\naccordance\nwith athe\nsafe the\nharbor\nprovisions\nin\nissue\nCard\nor Cards\ndifferent\nAccount\nnumber.\nAct,Military\nincluding\nits restrictions\nloanregulations:\nterms and\nthe\nLending\nAct and on\nits permissible\nimplementing\n24.\nMilitaryon\nLending\nCompliance:\nThis Agreement\nlimitations\ninterestActand\nfees. For Accounts\nopenedshall\non\nor after October 3, 2017, if you are a Covered Borrower as\ndetermined in accordance with the safe harbor provisions in\nthe Military Lending Act and its implementing regulations:\n\nbe interpreted to comply with the Military Lending Act,\n(a)\nSectionits10restrictions\nregarding arbitration\nshall not\napply\nto you;\nincluding\non permissible\nloan\nterms\nand\n(b)\nany interest\nor fees in\nexcess\ntheAccounts\npermittedopened\nlimit shall\nlimitations\non interest\nand\nfees. ofFor\non\nbe\nreduced\nby the\namount\nnecessary\nto satisfy\nthat limit\nor after\nOctober\n3, 2017,\nif you\nare a Covered\nBorrower\nas\nand\nany amounts\ncollectedwith\nin excess\nthe permitted\nlimit\ndetermined\nin accordance\nthe safeofharbor\nprovisions\nin\n(a) Section\n10\nregarding\narbitration\nshall notorapply\nto you;\nshall\nbe refunded\nby crediting\nyour\nAccount\nby\nmaking\na\nthe\nMilitary\nLending\nAct and\nits\nimplementing\nregulations:\n(b) Section\nanypayment\ninterest\nor you;\nfees in\nexcess\nof the\npermitted\nlimit\ndirect\nto\nand\n(c) any\nother\nprovision\nof shall\nthis\n(a)\n10 regarding\narbitration\nshall\nnot\napply\nto\nyou;\nbe any\nreduced\nby is\ntheinconsistent\namount\nnecessary\nto satisfy\nthat shall\nlimit\nAgreement\nthat\nwith\nLending\nAct\n(b)\ninterest\nor\nfees\nin excess\nof the Military\npermitted\nlimit\nandreduced\nany\ncollected\nexcess oftothe\npermitted\nshall\nnot amounts\napply\nyou.\nbe\nby tothe\namount innecessary\nsatisfy\nthat limit\nshallany\nbe refunded\ncrediting\nyour Account\nby making\nand\namounts by\ncollected\nin excess\nof the or\npermitted\nlimita\nNotice\ntorefunded\nFloridatoby\nResidents:\nThe\nAnnual\nRates\ndirectbepayment\nyou;\nand (c)\nany\notherPercentage\nprovision\nof\nthis\nshall\ncrediting\nyour\nAccount\nor by making\na\nshown\nabove\nareto\nbywith\nChapter\n655\nofLending\nthe Florida\nAgreement\nthat\nis authorized\ninconsistent\nthe\nMilitary\nAct\ndirect\npayment\nyou; and (c)\nany\nother\nprovision\nof this\nStatutes.\nshall not apply\nAgreement\nthatto\nis you.\ninconsistent with the Military Lending Act\nshall not\napply\nto you.\nNotice\nto\nMaryland\nResidents:The\nThisAnnual\nAccount\nis governed\nby\nNotice to Florida Residents:\nPercentage\nRates\nSubtitle\n9, Florida\nTitleare\n12 Residents:\nof the Maryland\nCommercial\nshown to\nabove\nauthorized\nby\n655\nofLaw\ntheArticle.\nFlorida\nNotice\nTheChapter\nAnnual\nPercentage\nRates\nStatutes.\nshown\nabove\nare authorized\nChapter\nof the\nFlorida\nNotice\nto\nMichigan\nResidents:byThe\nseller655\nretains\na security\nStatutes.in the subject matter of this Agreement.\ninterest\nNotice to Maryland Residents: This Account is governed by\nSubtitletoto\n9,Maryland\nTitle\n12 ofResidents:\nthe Maryland\nLaw\nArticle.\nNotice\nThisCommercial\nAccount\nby\nNotice\nPennsylvania\nResidents:\nThis is\nis governed\na Security\nSubtitle 9, Title 12 of the Maryland Commercial Law Article.\nAgreement.\nNotice to Michigan Residents: The seller retains a security\ninteresttoin\nthe\nsubject\nmatter\nof this\nAgreement.\nNotice\ntoTexas\nMichigan\nResidents:\nThe seller\nretains\nNotice\nResidents:\nFor\nquestions\nor complaints\na\nsecurity\ninterest\nin\nthe\nsubject\nof this\nabout\ncontract, contact\nGenesis This\nFSmatter\nCard\nNotice this\nto Pennsylvania\nResidents:\nis a Services\nSecurity\nAgreement.\nat\n1-866-726-5617.\nThe\nOffice\nof\nConsumer\nCredit\nAgreement.\nCommissioner (OCCC) is a state agency, and it enforces\nNotice to Pennsylvania Residents: This is a Security\nNotice laws\nto Texas\nResidents:\nquestions\ncomplaints\ncertain\nthat apply\nto thisFor\ncontract.\nIf a orcomplaint\nor\nAgreement.\nabout thiscannot\ncontract,\ncontact by\nGenesis\nFS Card\nServices\nquestion\nbe resolved\ncontacting\nthe creditor,\nat 1-866-726-5617.\nThe\nOffice\nof aConsumer\nCredit\nconsumers\ncan contact\nthe OCCC\nfile\ncomplaint\nor\nask\nNotice\nto Texas\nResidents:\nFor to\nquestions\nor complaints\nCommissioner\n(OCCC)contact\nis\na state\nagency,\nand\nenforces\naabout\ngeneral\nquestion.\nOCCC\naddress:\n2601\nN.\nthiscredit-related\ncontract,\nGenesis\nFS\nCardit Services\ncertain\nlaws Austin,\nthat apply\nto 78705.\nthis\ncontract.\nIf(800)\na complaint\nor\nLamar\nBlvd.,\nTexas\nPhone:\n538-1579.\nat\n1-866-726-5617.\nThe\nOffice\nof Consumer\nCredit\nquestion\nbe resolved\nby agency,\ncontacting\ncreditor,\nFax:\n(512)cannot\n936-7610.\noccc.texas.gov.\nE-mail:\nCommissioner\n(OCCC)\nisWebsite:\na state\nandthe\nit enforces\nconsumers\nOCCC\nto file aIfcomplaint\nor ask\nconsumer.complaints@occc.texas.gov.\ncertain\nlawscan\nthatcontact\napply the\nto this\ncontract.\na complaint\nor\na general cannot\ncredit-related\nquestion.\naddress:\n2601 N.\nquestion\nbe resolved\nby OCCC\ncontacting\nthe creditor,\nNOTICE:\nANY\nHOLDER\nOF\nTHIS\nCONSUMER\nCREDIT\nLamar Blvd.,can\nAustin,\nTexas\n(800) 538-1579.\nconsumers\ncontact\nthe 78705.\nOCCC toPhone:\nfile a complaint\nor ask\nCONTRACT\nIS\nSUBJECT Website:\nTO ALL CLAIMS\nAND DEFENSES\n(512)credit-related\n936-7610.\noccc.texas.gov.\nE-mail:\naFax:\ngeneral\nquestion. OCCC\naddress: 2601\nN.\nWHICH\nTHE DEBTOR COULD ASSERT AGAINST THE\nconsumer.complaints@occc.texas.gov.\nLamar\nBlvd., Austin, Texas 78705. Phone: (800) 538-1579.\nSELLER OF GOODS OR SERVICES OBTAINED PURSUANT\nFax: (512) 936-7610. Website: occc.texas.gov. E-mail:\nNOTICE: OR\nANY\nHOLDER\nOF THIS CONSUMER\nCREDIT\nHERETO\nWITH\nTHE PROCEEDS\nHEREOF. RECOVERY\nconsumer.complaints@occc.texas.gov.\nCONTRACT ISBY\nSUBJECT\nTO ALL CLAIMS\nHEREUNDER\nTHE DEBTOR\nSHALLAND\nNOTDEFENSES\nEXCEED\nWHICH THE\nCOULD\nASSERT\nAGAINST\nTHE\nAMOUNTS\nPAIDDEBTOR\nBY THE DEBTOR\nHEREUNDER.\nNOTICE:\nANY\nHOLDER\nOF THIS\nCONSUMER\nCREDIT\nSELLER OF IS\nGOODS\nOR SERVICES\nOBTAINED\nPURSUANT\nCONTRACT\nSUBJECT\nTO ALL CLAIMS\nAND DEFENSES\nNOTICE\nTHE\nBUYER:\nDO NOTASSERT\nSIGN\nTHEAGAINST\nAPPLICATION\nHERETOTO\nOR\nWITH\nTHE1.COULD\nPROCEEDS\nHEREOF.\nRECOVERY\nWHICH\nTHE\nDEBTOR\nTHE\nAND/OR\nTHIS\nCREDIT\nAGREEMENT\nBEFORE\nYOUEXCEED\nREAD\nHEREUNDER\nBY THE\nDEBTOR OBTAINED\nSHALL NOT\nSELLER\nOF GOODS\nOR SERVICES\nPURSUANT\nIT\nOR IF IT\nCONTAINS\nBLANK\nSPACES.\nYOU ARE\nAMOUNTS\nBY THEANY\nDEBTOR\nHEREUNDER.\nHERETO\nORPAID\nWITH\nPROCEEDS\nHEREOF.2.RECOVERY\nENTITLED\nTO A\nFILLED\nIN COPY\nTHIS\nHEREUNDER\nBYCOMPLETELY\nTHE DEBTOR\nSHALL\nNOT OF\nEXCEED\nNOTICE AGREEMENT.\nTO PAID\nTHE BUYER:\nDO NOT\nSIGN\nTHETIME\nAPPLICATION\nCREDIT\n3.1.\nYOU\nMAYHEREUNDER.\nAT ANY\nPAY THE\nAMOUNTS\nBY THE\nDEBTOR\nAND/OR\nTHIS CREDIT\nAGREEMENT\nBEFORE\nYOU READ\nTOTAL\nBALANCE\nOUTSTANDING\nUNDER\nTHIS AGREEMENT\nIT OR IFTOIT\nCONTAINS\nANY\nBLANK\nSPACES.\n2. YOU\nARE\nWITHOUT\nINCURRING\nADDITIONAL\nCHARGE.\n4. KEEP\nNOTICE\nTHE\nBUYER:ANY\n1. DO\nNOT SIGN\nTHE\nAPPLICATION\nAND/OR\nTHIS\nAGREEMENT\nYOU\nENTITLED\nTO ACREDIT\nCOMPLETELY\nFILLED\nIN COPY\nOFREAD\nTHIS\nTHIS\nAGREEMENT\nTO PROTECT\nYOURBEFORE\nLEGAL\nRIGHTS.\n5.\nIT\nORMAY\nIFAGREEMENT.\nIT UNDER\nCONTAINS\nBLANK\nSPACES.\n2. YOU\nCREDIT\n3.ANY\nYOU\nMAY AT\nANY TIME\nPAY ARE\nTHE\nYOU\nCERTAIN\nCIRCUMSTANCES\nREDEEM\nENTITLED\nTO A COMPLETELY\nFILLED\nIN\nCOPY\nOFYOUR\nTHIS\nTOTAL\nBALANCE\nOUTSTANDING\nUNDER\nTHIS\nAGREEMENT\nTHE\nPROPERTY,\nIF REPOSSESSED\nBECAUSE\nOF\nCREDIT\nAGREEMENT.\n3.\nYOU\nMAYCERTAIN\nAT ANY\nTIME\nPAY\nTHE\nWITHOUT\nINCURRING\nANY\nADDITIONAL\nCHARGE.\n4. KEEP\nDEFAULT,\nAND\nYOU MAY,\nUNDER\nCONDITIONS,\nTOTAL\nBALANCE\nOUTSTANDING\nUNDER\nTHIS\nAGREEMENT\nTHIS AGREEMENT\nTOOF\nPROTECT\nYOUR LEGAL\nRIGHTS. 5.\nREQUIRE\nA RESALE\nTHE PROPERTY\nREPOSSESSED.\nWITHOUT\nINCURRING\nANY\nADDITIONAL\nCHARGE.REDEEM\n4.ENTER\nKEEP\nYOU\nUNDER\nCIRCUMSTANCES\n6.\nTHEMAY\nSELLER\nHASCERTAIN\nNO\nRIGHT\nTO UNLAWFULLY\nTHIS\nAGREEMENT\nPROTECT\nLEGAL\nRIGHTS.\n5.\nTHE PROPERTY,\nOF\nYOUR\nPREMISES IFTO\nORREPOSSESSED\nCOMMITYOUR\nANYBECAUSE\nBREACH\nOFYOUR\nTHE\nYOU\nMAY\nUNDER\nCIRCUMSTANCES\nREDEEM\nDEFAULT,\nAND\nYOUCERTAIN\nMAY,\nUNDER\nCERTAIN CONDITIONS,\nPEACE\nTO REPOSSESS\nGOODS\nPURCHASED\nUNDER\nTHIS\nTHE\nPROPERTY,\nIF REPOSSESSED\nBECAUSE\nOF YOUR\nREQUIRE\nA RESALE\nOF THE\nPROPERTY\nREPOSSESSED.\nAGREEMENT.\nADDITIONAL\nNOTICE\nFOR\nMASSACHUSETTS\nDEFAULT,\nAND YOU\nMAY,\nUNDERTO\nCONDITIONS,\n6. THE\nSELLER\nHASRESIDENTS:\nNO RIGHT\nUNLAWFULLY\nENTER\nAND\nWASHINGTON\n7.CERTAIN\nYOU MAY\nCANCEL\nA\nREQUIRE\nA UNDER\nRESALEOR\nOF COMMIT\nTHE\nPROPERTY\nYOUR PREMISES\nANY BREACH\nOFBEEN\nTHE\nPURCHASE\nTHIS\nAGREEMENT\nIFREPOSSESSED.\nIT HAS\n6.\nTHE TO\nSELLER\nHAS THERETO\nNOGOODS\nRIGHTAT\nTOAUNLAWFULLY\nENTER\nPEACE\nPURCHASED\nUNDER\nTHIS\nSIGNED\nBYREPOSSESS\nA PARTY\nPLACE OTHER\nTHAN\nYOUR\nPREMISES\nBREACH\nAGREEMENT.\nADDITIONAL\nNOTICEANY\nFOR\nMASSACHUSETTS\nTHE\nADDRESS\nOF OR\nTHECOMMIT\nSELLER,\nWHICH\nMAY OF\nBE THE\nHIS\nPEACE\nTO REPOSSESS\nGOODS\nPURCHASED\nUNDER\nTHIS\nAND WASHINGTON\nRESIDENTS:\n7. YOUPROVIDED,\nMAY\nCANCEL\nMAIN\nOFFICE\nOR BRANCH\nTHEREOF;\nYOUA\nAGREEMENT.\nADDITIONAL\nFOR MASSACHUSETTS\nPURCHASE UNDER\nTHIS NOTICE\nAGREEMENT\nIF IT HAS BEEN\nSIGNED BY A PARTY THERETO AT A PLACE OTHER THAN\nTHE ADDRESS OF THE SELLER, WHICH MAY BE HIS\nMAIN OFFICE OR BRANCH THEREOF; PROVIDED, YOU\n\npayment or $25.00 (max\n$37.00)\nCA, MD, MO\n$15.00\nGA\nGreater of 5% of amount of\nCT, ID, IA, NJ, NY, UT\n$20.00 or $30.00 (max\npayment\nFL\nGreater of 5% of amount of\n$37.00)\npayment or $25.00 (max\nOR\n$35.00\n$37.00) 7. YOU MAY CANCEL A\nAND\nDC,WASHINGTON\nDE, MA, MS, NE,RESIDENTS:\nNone\nGA PA,\nGreater\nofAT\n5%HIS\nof amount\nNOTIFY\nTHE\nSELLER\nIN WRITING\nMAIN\nOR\nPURCHASE\nTHIS\nAGREEMENT\nIF IT ofOFFICE\nHAS BEEN\nNM,\nVT,UNDER\nWY\npayment or $30.00 (max\nBRANCH,\nORDINARY\nMAIL\nPOSTED,\nBYOTHER\nTELEGRAM\nSIGNED BYBYA PARTY\nTHERETO\nAT\nA\nPLACE\nTHAN\n$37.00)\nSENT\nOR BY DELIVERY,\nLATERWHICH\nTHAN MIDNIGHT\nOF\nTHEORADDRESS\nOF THE NOT\nSELLER,\nMAY BE HIS\n$35.00\nTHE\nTHIRD\nBUSINESS\nDAY\nFOLLOWING\nA\nPURCHASE\nMAIN\nOFFICE\nOR\nBRANCH\nTHEREOF;\nPROVIDED,\nYOU\nDC, DE, MA, MS, NE,\nNone\nUNDER\nTHIS\nRETAIL\nINSTALLMENT\nAGREEMENT.\nNOTIFY\nTHE\nIN WRITING ATCREDIT\nHIS MAIN\nOFFICE OR\nNM, PA,\nVT,SELLER\nWY\n\nBRANCH, BY ORDINARY MAIL POSTED, BY TELEGRAM\nYOU\nRECEIPT\nOF A COPY\nTHIS RETAIL\nSENTACKNOWLEDGE\nOR BY DELIVERY,\nNOT LATER\nTHANOFMIDNIGHT\nOF\nINSTALLMENT\nCREDIT AGREEMENT.\nTHE THIRD BUSINESS\nDAY FOLLOWING A PURCHASE\nUNDER THIS RETAIL INSTALLMENT CREDIT AGREEMENT.\nBuyer\n\nSignature\n\nYOU ACKNOWLEDGE RECEIPT OF A COPY OF THIS RETAIL\nINSTALLMENT\nSeller- Creditor CREDIT AGREEMENT.\nBuyer\n\nSignature\nChris Klemann, Vice President Financial Services\nSterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers,\nP.O. Box 3680, Akron, OH 44309-3680\nSeller- Creditor\n\nYour Billing\nRights: Keep\nthis Document\nFuture Use\nChris Klemann,\nVice President\nFinancialfor\nServices\nSterling Jewelers Inc., d/b/a/ Sterling Family of Jewelers,\nBox 3680,\n44309-3680\nThis noticeP.O.tells\nyou Akron,\naboutOHyour\nrights and\n\nour\nresponsibilities under the Fair Credit Billing Act.\nYour Billing Rights: Keep this Document for Future Use\nYour Billing\nKeep\nthis Document\nFuture Use\nWhat\nTo Do IfRights:\nYou Find\nA Mistake\nOn Yourfor\nStatement\nThis notice tells you about your rights and our\nThis\nnotice\nabout\nyour\nrights\nunder\nthe Fair\nCredit\nBilling\nAct.\nIfresponsibilities\nyou think\ntheretells\nis an you\nerror\non\nyour\nstatement,\nwriteand\nto usour\nat:\nresponsibilities under the Fair Credit Billing Act.\nWhat\nTo DoFSIf Card\nYou Find\nA Mistake On Your Statement\nGenesis\nServices\nWhat\nDo4485\nIf You Find A Mistake On Your Statement\nP.O.To\nBox\nIf you think there is an error on your statement, write to us at:\nBeaverton,\nOR is\n97076-4485\nIf you\nthink there\nan error on your statement, write to us at:\nGenesis FS Card Services\nIn your\nletter,\ngive\nus\nthe following information:\nGenesis\nCard Services\nP.O.\nBox FS\n4485\n\xe2\x80\xa2P.O.\nAccount\ninformation: Your name and account number.\nBox\n4485\nBeaverton, OR 97076-4485\n\xe2\x80\xa2Beaverton,\nDollar amount:\nThe dollar amount of the suspected\nOR 97076-4485\nerror.\nIn your\nletter, give us the following information:\nIn \xe2\x80\xa2\xe2\x80\xa2your\nletter, give\nthe following\nDescription\nofusproblem:\nIf name\nyouinformation:\nthink\nis an\nerror\nAccount\ninformation:\nYour\nand there\naccount\nnumber.\n\xe2\x80\xa2 on\nAccount\ninformation:\nYour\nandofaccount\nnumber.\nyouramount:\nbill,\ndescribe\nwhatname\nyou believe\nis wrong\nand\n\xe2\x80\xa2\t\x07\nDollar\nThe dollar\namount\nthe\nsuspected\n\xe2\x80\xa2 why\nDollar\namount of the suspected\nyouamount:\nbelieve itThe\nis adollar\nmistake.\nerror.\nerror.\n\xe2\x80\xa2\t\x07Description\nof problem: If you think there is an error\nYou\xe2\x80\xa2 must\ncontact us:problem: If you think there is an error\nDescription\non\nyour bill,ofdescribe\nwhat you believe is wrong and\n\xe2\x80\xa2 Within\n60 days\nafter what\nthe error\nappeared\non your\non your\ndescribe\nyou believe\nis wrong\nand\nwhy\nyou bill,\nbelieve\nit is a mistake.\nstatement.\nwhy you believe it is a mistake.\n\xe2\x80\xa2 must\nAt least\n3 business\nYou\ncontact\nus: days before an automated payment\nYou\ncontact\nus:ifafter\nis\nscheduled,\nyouthe\nwant\nstop payment\n\xe2\x80\xa2 must\nWithin\n60 days\nerrortoappeared\non youron the\n\xe2\x80\xa2 amount\nWithin you\n60 days\nafter\nthe error appeared on your\nthink is\nwrong.\n\t\t\nstatement.\nstatement.\n\xe2\x80\xa2\t\x07At least 3 business days before an automated payment\nYou\xe2\x80\xa2 must\nnotify\nus of any\npotential\nerrors\nin writing. You\nAt least\n3 business\ndays\nbefore\nautomated\nis\nscheduled,\nif you\nwant\nto an\nstop\npaymentpayment\non the\nmay call\nus, but if you\ndo\nwewant\nare not\nrequired\nto investigate\nis\nscheduled,\nif\nyou\nto\nstop\npayment\non the\namount you think is wrong.\nany potential\nerrors\nand\nyou\nmay\nhave\nto\npay\nthe\namount\nin\namount you think is wrong.\nquestion.\nYou must notify us of any potential errors in writing. You\nYou call\nmustus,notify\nof do\nanywepotential\nerrors intowriting.\nYou\nmay\nbut ifus\nyou\nare not required\ninvestigate\nWhat\nWillus,\nHappen\nAfterdoWe\nReceive\nYour Letter\nmaypotential\ncall\nbut\nif you\nwemay\nare have\nnot required\nto investigate\nany\nerrors\nand you\nto pay the\namount in\nany potential\nerrors\nandletter,\nyou we\nmaymust\nhavedo\nto two\npay things:\nthe amount in\nquestion.\nWhen\nwe receive\nyour\nquestion.\n1. Within 30 days of receiving your letter, we must tell\nWhat Will Happen After We Receive Your Letter\nwe received\nyour\nletter. We\nwill\nalso tell you if\nWhatyou\nWillthat\nHappen\nAfter We\nReceive\nYour\nLetter\nalready\nerror.\nWhenwe\nwehave\nreceive\nyourcorrected\nletter, we the\nmust\ndo two things:\nWhen\nreceive\nyourofofletter,\nwe must\ntwowe\nthings:\n2.\n90\nreceiving\nyour\nletter,\nmust\neither\n1.\t\x07Within\nWwe\nithin\n30 days\ndays\nreceiving\nyourdo\nletter,\nwe\nmust\ntell\n1. correct\nWithin\n30\ndays\nofexplain\nreceiving\nyour\nletter,\nwe tell\nmust\ntell\nor\nyou\nwhy\nwe also\nbelieve\nthe\nyou\nthatthe\nweerror\nreceived\nyour to\nletter.\nWe\nwill\nyoubill\nif\nyou\nthat already\nwe received\nyour letter.\nWe will also tell you if\nis\ncorrect.\nwe\nhave\ncorrected\nthe error.\nweithin\nhave90already\nerror.\n2.\t\x07W\ndays ofcorrected\nreceivingthe\nyour\nletter, we must either\nWhile\nwe investigate\nwhether oryour\nnotletter,\ntherewe\nhas\nbeen\nan\n2. correct\nWithin\n90\nmust\neither\nthe days\nerror of\nor receiving\nexplain to you why\nwe believe\nthe\nbill\nerror:correct the error or explain to you why we believe the bill\nis correct.\n\xe2\x80\xa2 We\ncannot try to collect the amount in question, or\nis correct.\nyou as delinquent\nonor\nthat\nWhilereport\nwe investigate\nwhether\nnotamount.\nthere has been an\nWhile we investigate whether or not there has been an\nerror:\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\nOK\n\namount of the installment or\n$10.00 (not\n(except\n$5.00 if$37.00)\nthe\n$24.50\nto exceed\noutstanding balance is under\n$12.00\n$100.00)\n5% of amount past due, but not\nThe greater\nof 5%and\nof the\nSC\nmore\nthan $18.00\nnotunpaid\nless\nOK\namount\nof the installment or\nthan\n$7.20\n$24.50\n(not to\nexceed\n$37.00)\n\xe2\x80\xa2\t\x07We cannot try to collect theGreater\namount\nin\nquestion,\nor\nof 5% of amount past\nRI you as\n$12.00 on your statement,\n\xe2\x80\xa2 The\nin delinquent\nquestion may\nremain\nreport\non that\nUTcharge\ndue amount.\nor $30.00 (but not to\n5% of you\namount\npaststatement,\ndue,\nnot\nwe mayin continue\ncharge\nonbutthat\n\xe2\x80\xa2\t\x07and\nThe charge\nquestion to\nmay\nremain\non interest\nyour\nexceed\n$37.00)\nSC\nmore than $18.00 and not less\namount.\nandVA\nwe may continue to charge\nyou\ninterest\non\nthat\n5% of amount of installment (but\nthan $7.20\nnot amount\nto exceedin$37.00)\n\xe2\x80\xa2 While\nyou do not have to pay the\nquestion, you\namount.\nGreater of 5% of amount past\n$37.00\n(except\n10%\nof the\n\xe2\x80\xa2 are\nTheUT\ncharge\nquestion\nmay\nremain\non in\nyour\nstatement,\nresponsible\nforhave\nthe to\nremainder\nyour\nbalance.\n\xe2\x80\xa2\t\x07\nWhile\nyou doinnot\npay the\namount\nquestion,\ndue of\nor $30.00\n(but\nnot to you\naverage\ndailyyour\nbalance\nfor\nprior\nandcan\nweapply\nmayany\ncontinue\nto\ncharge\nyou\ninterest\nonlimit.\nthat\n\xe2\x80\xa2 We\nunpaid\namount\nagainst\ncredit\nare\nresponsible\nfor\nthe\nremainder\nof\nyour\nbalance.\nexceed\n$37.00)\nWA\n30-day period, but not less than\namount.\n5%\nof\namount\nof\ninstallment\n(but\n\xe2\x80\xa2\t\x07We\ncan\napply\nany\nunpaid\namount\nagainst\nyour\ncredit\nlimit.\n$2.00, if the balance is less than\nVA\nAfter\nfinish\none\nofamount\ntwo\nthings\nwill happen:\nnot\nto\nexceed\n\xe2\x80\xa2 we\nWhile\nyouour\ndoinvestigation,\nnot have to pay\nthe\nin$37.00)\nquestion,\nyou\n$100.00)\n\xe2\x80\xa2 we\nIfarewe\nmade\na mistake:\nYou\nwill\nhave\nto ofhappen:\npay the\nAfter\nfinish\nour investigation,\none5%\nofoftwo\nthings\nwill\n$37.00\n(except\n10%\nresponsible\nfor the remainder\nofnot\nyour\nbalance.\namount\npast\ndue,the\nbut not\nin question\nanytoaverage\ninterest\nor\nother\nfees\nbalance\nfor limit.\nprior\n\xe2\x80\xa2\t\x07\nIWe\nf WV\nwe\naany\nmistake:\nYou\nwill\nnotdaily\nhave\nto\npay\nthe\n\xe2\x80\xa2 amount\ncanmade\napply\nunpaidoramount\nagainst\nyour\ncredit\nexceed\n$30.00\nWA\n30-day\nperiod,\nbut\nnot\nless\nthan\nrelated\namount.or any interest or other fees\namounttointhat\nquestion\nif the balance is less than\nAfter\nwe\nfinish\nour\ninvestigation,\none$2.00,\nof\ntwo\nthings\nwillwill\nhappen:\n\xe2\x80\xa2 If\nwe\ndotonot\nbelieve\nthere was\na mistake:\nYou\nhave\nrelated\nthat\namount.\n$100.00)\nNC\nRI\n\n\xe2\x80\xa2 to\nwe\nmade\na mistake:\nYou\nwill\nnot have\npayhave\nthe\npaydo\nthe\nin\nquestion,\nalong\nwith\napplicable\n\xe2\x80\xa2\t\x07\nIIff we\nnotamount\nbelieve\nthere\nwas5%\na mistake:\nYouto\nwill\nof amount past due, but not\nWV\namount\ninamount\nquestion\nor send\nanyto exceed\ninterest\nor other\ninterest\nand\nfees. We\nyou\na $30.00\nstatement\noffees\nthe\nto\npay the\nin will\nquestion,\nalong\nwith\napplicable\nrelated to\nthat\namount.\namount\nyou\nowe\nandwill\nthesend\ndateyou\npayment\nis due.\ninterest\nand\nfees.\nWe\na statement\nof We\nthe\n\xe2\x80\xa2 may\nIf wethen\ndo not\nbelieve\nthere\nwas\na mistake:\nwill\nreport\nasthe\ndelinquent\nif youYou\ndodue.\nnothave\npay\namount\nyou\noweyou\nand\ndate\npayment\nis\nWe\nto pay\nthereport\namount\ninyou\nquestion,\nwithdo\napplicable\nthe\namount\nwe think\nowe. along\nmay\nthen\nyou\nas\ndelinquent\nif you\nnot pay\ninterest\nandwe\nfees.\nWeyou\nwill owe.\nsend you a statement of the\nthe\namount\nthink\nIf youamount\nreceive you\nour owe\nexplanation\nstillpayment\nbelieve your\nbillWe\nis\nand thebut\ndate\nis due.\nwrong,\nyouthen\nmust\nwrite\nto us\n10 days\ntelling\nusbill\nthat\nIf youmay\nreceive\nour\nexplanation\nbut still\nbelieve\nyour\nis\nreport\nyou\nas within\ndelinquent\nif you\ndo not\npay\nyou\nstill\nrefuse\nto we\npay.\nIf to\nyou\ndo\nso, we\nreport us\nyouthat\nas\nwrong,\nmust\nwrite\nus\nwithin\n10cannot\ndays telling\ntheyou\namount\nthink\nyou\nowe.\ndelinquent\nwithout\nalsoIf reporting\nyou arereport\nquestioning\nyou still refuse\nto pay.\nyou do so,that\nwe cannot\nyou as\nIf youbill.\nreceive\nour explanation\nstillof\nbelieve\nyour\nbill is\nyour\nWe\nmust\ntell you\nthe but\nname\nanyone\nto whom\ndelinquent\nwithout\nalso\nreporting\nthat\nyou\nare questioning\nwrong,\nto\nwithin\n10of\ndays\ntelling\nthat\nwe\nreported\nyou\nastelldelinquent,\nand\nwe\nmust\nlet\nthose\nyour\nbill.you\nWemust\nmustwrite\nyouusthe\nname\nanyone\nto us\nwhom\nyou reported\nstill refuseyou\nto pay.\nIf you the\ndo so,\nwe cannot\nreport\nyou\nas\norganizations\nknow\nmatter\nhasmust\nbeen\nwe\nas when\ndelinquent,\nand\nwe\nletsettled\nthose\ndelinquent\nreporting\nthat you\nquestioning\nbetween\nus.without\norganizations\nknowalso\nwhen\nthe matter\nhasarebeen\nsettled\nyour bill.us.\nWe must tell you the name of anyone to whom\nbetween\nIfwewereported\ndo not follow\nthe rules above,\nyoumust\ndo notlethave\nto\nyou all\nas ofdelinquent,\nand we\nthose\npay\nof of\nthethe\namount\nyou question\neven\nifsettled\nyour\nIforganizations\nwethe\ndofirst\nnot $50.00\nfollow\nall\nrules\nabove,\nyou\nnot have\nto\nknow\nwhen\nthe matter\nhas dobeen\nbill\nisthe\ncorrect.\npay\nfirst\nbetween\nus. $50.00 of the amount you question even if your\nbill is correct.\nYour\nIf You all\nAreofDissatisfied\nWithyou\nYour\nCard\nIf we Rights\ndo not follow\nthe rules above,\ndoCredit\nnot have\nto\nPurchases\nYour\nRights\nIf You Are\nDissatisfied\nWith\nYour Credit\npay the\nfirst $50.00\nof the\namount you\nquestion\neven if Card\nyour\nPurchases\nis correct.\nIfbillyou\nare dissatisfied with the goods or services that you\nhave\nwithAre\nyour\ncredit\ncard,With\nand\nyou have\ntried\nin\nIfYour\nyoupurchased\nare dissatisfied\nwith\nthe goods\nor services\nthat\nyou\nRights\nIf You\nDissatisfied\nYour\nCredit\nCard\ngood\nfaith to correct\nproblem\nmay\nhave\npurchased\nwiththe\nyour\ncredit with\ncard,the\nandmerchant,\nyou haveyou\ntried\nin\nPurchases\nhave\nnot tothe\npayproblem\nthe remaining\ndueyou\nonmay\nthe\ngood the\nfaithright\nto correct\nwith theamount\nmerchant,\nIf youthe\nareright\ndissatisfied\nwith\ngoods oramount\nservices\npurchase.\nhave\nnot to pay\nthethe\nremaining\nduethat\non you\nthe\nhave purchased with your credit card, and you have tried in\npurchase.\nTo\nusefaith\nthis to\nright,\nall ofthe\ntheproblem\nfollowing\nmust\ntrue: you may\ngood\ncorrect\nwith\nthe be\nmerchant,\n1.\nThe\nmade\nin\nTo\nuse\nthispurchase\nright,\nthehave\nfollowing\nmustamount\nbeyour\ntrue:home\nhave\nthe\nright\nnotallmust\ntoofpay\nthe been\nremaining\ndue onstate\nthe\n100 miles\nyour\ncurrent\nmailing\nand\n1.\t\x07or\nThewithin\npurchase\nmust of\nhave\nbeen\nmade\nin youraddress,\nhome state\npurchase.\nthe\npurchase\nprice must\nbeenmailing\nmore than\n$50.00.\nor within\n100 miles\nof yourhave\ncurrent\naddress,\nand\nTo use\nright,\nallprice\nfollowing\nmust more\nbeiftrue:\n(Note:\nNeither\nof the\nthese\nare\nnecessary\nyour\nthethis\npurchase\nmust\nhave\nbeen\nthanpurchase\n$50.00.\n1. was\nThe purchase\nhaveare\nbeen\nmade\nin ifyour\nstate\nbased\non must\nan\nwe mailed\ntohome\nyou,\nor if\n(Note:\nNeither\nof advertisement\nthese\nnecessary\nyour\npurchase\nor within\nof your\ncurrent\naddress,\nand\nwe\nown\nor100\noperate\nthe\ncompany\nthat\nsold you\ngoods\nwas\nbased\nonmiles\nan advertisement\nwemailing\nmailed\ntothe\nyou,\nor\nif\ntheservices.)\npurchase\npricethe\nmust\nhave been\nmoreyou\nthan\nor\nwe\nown\nor operate\ncompany\nthat sold\nthe$50.00.\ngoods\n(Note:\nNeither\nthese\narecredit\nnecessary\nif your\npurchase\n2. You\nmust\nhave of\nused\nyour\ncard for\nthe purchase.\nor\nservices.)\nbasedhave\non an\nadvertisement\nmailed\nto purchase.\nyou,\nor if\nmade\nwith\ncash\nfrom\nATM\nor with\n2.\t\x07Purchases\nYwas\nou must\nused\nyour advances\ncredit we\ncard\nforanthe\nwecheck\nown or\noperate\nthecash\ncompany\nthat\nsoldaccount\nyou\nthedo\ngoods\naPurchases\nthat\naccesses\nyouradvances\ncredit\ncard\nnot\nmade\nwith\nfrom\nan\nATM\nor\nwith\nservices.)\nqualify.\naorcheck\nthat accesses your credit card account do not\n2. You\nYou must\nmustnot\nhave\ncard\nthe purchase.\n3.\nyetused\nhaveyour\nfully credit\npaid for\nthefor\npurchase.\nqualify.\nPurchases\nmade\nfrompurchase.\nan ATM or with\n3. You\nmust not\nyetwith\nhavecash\nfullyadvances\npaid for the\nIf all ofa the\ncriteria\nare your\nmet and\nyoucard\nare still\ndissatisfied\ncheck\nthat above\naccesses\ncredit\naccount\ndo not\nwith\npurchase,\ncontactareusmet\nin writing\nthestill\naddress\nlisted\nIf all the\nof\nthe\ncriteria above\nand youatare\ndissatisfied\nqualify.\nabove.\nwith\nin writing\naddress listed\n3. the\nYoupurchase,\nmust not contact\nyet haveus\nfully\npaid foratthethepurchase.\nabove.\nWhile\ntheare\nsame\napply\nthedissatisfied\ndisputed\nIf all ofwe\ntheinvestigate,\ncriteria above\nmetrules\nand you\naretostill\namount\nas\ndiscussed\nabove.\nwe finish\nour\ninvestigation,\nWhile\nwe\ninvestigate,\nthe same\napply\ntoaddress\nthe disputed\nwith the\npurchase,\ncontact\nusAfter\nin rules\nwriting\nat the\nlisted\nwe\nwill tell\nyou of ourabove.\ndecision.\nAtwe\nthatfinish\npoint,\nwe think you\namount\nas discussed\nAfter\nourif investigation,\nabove.\nowe\nan tell\namount\ndo notAtpay,\nmayifreport\nyouyou\nas\nwe will\nyou ofand\nouryou\ndecision.\nthatwe\npoint,\nwe think\nWhileanwe\ninvestigate,\nthedo\nsame\napply\nthe disputed\ndelinquent.\nowe\namount\nand you\nnot rules\npay, we\nmaytoreport\nyou as\namount as discussed above. After we finish our investigation,\ndelinquent.\nR: 8/19\nwe will tell you of our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nRev. 8/19\n\nFACTS\nFACTS\nWhy?\nWhy?\nWhat?\nWhat?\n\nWHAT DOES STERLING JEWELERS INC. (hereafter, \xe2\x80\x9cSTERLING\nFAMILY OF JEWELERS\xc2\xae\xe2\x80\x9d) DO WITH YOUR PERSONAL\nINFORMATION?\nRev. 8/19\nWHAT DOES STERLING JEWELERS INC. (hereafter, \xe2\x80\x9cSTERLING\nFinancial\nchoose\xc2\xaehow\nthey\nshareYOUR\nyour personal\ninformation. Federal law\nFAMILY companies\nOF JEWELERS\n\xe2\x80\x9d) DO\nWITH\nPERSONAL\ngives\nconsumers\nthe\nINFORMATION? right to limit some but not all sharing. Federal law also requires\nus to tell you how we collect, share, and protect your personal information. Please\nread this notice carefully to understand what we do.\nFinancial companies choose how they share your personal information. Federal law\ngivestypes\nconsumers\nthe right\nto limit some\nbut not\nsharing.\nFederal\nlawproduct\nalso requires\nThe\nof personal\ninformation\nwe collect\nandallshare\ndepend\non the\nor\nus to tellyou\nyouhave\nhowwith\nwe collect,\nshare,\nand protect\nyour personal information. Please\nservice\nus. This\ninformation\ncan include:\nread this notice carefully to understand what we do.\n\xc2\xa7 Social Security number and account balances\ntypes of personal\ninformation\nwehistory\ncollect and share depend on the product or\n\xc2\xa7ThePayment\nhistory and\ntransaction\nyouhistory\nhave with\nus. This\ninformation can include:\n\xc2\xa7service\nCredit\nand credit\nscores\n\n\xc2\xa7 Social\nSecurity\nnumber\naccount\nWhen\nyou are\nno longer\nour and\ncustomer,\nwebalances\ncontinue to share your information as\ndescribed\nin this\nnotice.\n\xc2\xa7 Payment\nhistory\nand transaction history\n\xc2\xa7 Credit history and credit scores\nAll\nfinancial\ncompanies\nneed\nshare customers\xe2\x80\x99\npersonal\ninformation\nto run their\nWhen\nyou are\nno longer\nour to\ncustomer,\nwe continue\nto share\nyour information\nas\nHow?\neveryday\nIn the section below, we list the reasons financial companies can\ndescribedbusiness.\nin this notice.\n\xc2\xae\nshare their customers\xe2\x80\x99 personal information; the reasons Sterling Family of Jewelers\nchooses to share; and whether you can limit this sharing.\nAll financial companies need to share customers\xe2\x80\x99 personal information to run their\nHow?\neveryday business. In the section below,\nwe Sterling\nlist the reasons\ncompanies\ncan\nDoes\nFamily financialCan\nyou limit\n\xc2\xae\nReasons we can share\npersonal information\n\xc2\xae\nshare your\ntheir customers\xe2\x80\x99\npersonal information;\nthe\nreasons\nSterling\nFamily\nof\nJewelers\nthis sharing?\nof Jewelers share?\nchooses to share; and whether you can limit this sharing.\nFor our everyday business purposes \xe2\x80\x93\nsuch as to process your transactions, maintain your\nDoes Sterling Family\nCan you limit\nReasons we\ncan share\nyour\npersonal\ninformation\nYES\xc2\xae share?\naccount(s),\nrespond\nto court\norders\nand legal\nthis NO\nsharing?\nof Jewelers\ninvestigations, or report to credit bureaus\nFor our everyday business purposes \xe2\x80\x93\nsuchour\nas marketing\nto process your\ntransactions,\nmaintain your\nFor\npurposes\n\xe2\x80\x93\nYES\nNO\naccount(s),\nrespond and\nto court\norders\nto\noffer our products\nservices\ntoand\nyou legal\ninvestigations, or report to credit bureaus\nFor joint marketing with other financial\nWe don\xe2\x80\x99t share.\nFor our marketing purposes \xe2\x80\x93\nNO\ncompanies\nYES\nNO\nto offer our products and services to you\nFor our affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93\nWe don\xe2\x80\x99t share.\nFor joint marketing\nother financial\nNO\ninformation\nabout yourwith\ntransactions\nand experiences\nWe don\xe2\x80\x99t share.\nNO\ncompanies\nFor our affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93\nWe don\xe2\x80\x99t share.\nFor our affiliates\xe2\x80\x99\neveryday\nbusiness purposes \xe2\x80\x93\nNO\ninformation\nabout your\ncreditworthiness\nWe don\xe2\x80\x99t share.\nNO\ninformation about your transactions and experiences\nFor our nonaffiliates to market to you\nWe don\xe2\x80\x99t share.\nNO\nFor our affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93\nWe don\xe2\x80\x99t share.\nNO\ninformation about your creditworthiness\n\nQuestions?\nFor our nonaffiliates to market to you\nQuestions?\n\nNO\n\nWe don\xe2\x80\x99t share.\n\nPage 2\nWhat we do\nPage 2\nWhat we do\n\n\xc2\xae\n\n\xc2\xae\n\nTo protect your personal information from\nunauthorized access and use, we use security\nmeasures that comply with federal law. These\nmeasures include computer safeguards and secured\nTo protect your personal information from\nfiles and buildings.\nunauthorized access and use, we use security\nWe\ncollect that\nyourcomply\npersonal\ninformation,\nforThese\nexample,\nmeasures\nwith\nfederal law.\nwhen\nyou include computer safeguards and secured\nmeasures\nfiles and buildings.\n\xc2\xa7 open an account or give us your contact\nWe information\ncollect your personal information, for example,\nwhen\nyou\n\xc2\xa7 pay\nyour bills or apply for a loan\n\xc2\xa7\xc2\xa7 use\ncredit or or\ndebit\nopenyour\nan account\ngivecard\nus your contact\ninformation\nWe also collect your personal information from\n\xc2\xa7 paysuch\nyouras\nbills\nor apply\nfor a affiliates,\nloan\nothers,\ncredit\nbureaus,\nor other\n\xc2\xa7 use your credit or debit card\ncompanies.\nWe alsolaw\ncollect\nyour\nFederal\ngives\nyoupersonal\nthe rightinformation\nto limit onlyfrom\nothers, such as credit bureaus, affiliates, or other\n\xc2\xa7companies.\nsharing for affiliates\xe2\x80\x99 everyday business purposes\n\xe2\x80\x93 information about your creditworthiness\nFederal\nlaw gives\nyou the\nright\nto limit only\n\xc2\xa7 affiliates\nfrom using\nyour\ninformation\nto market to\nyou\n\xc2\xa7 sharing for affiliates\xe2\x80\x99 everyday business purposes\n\xc2\xa7 sharing\nfor nonaffiliates\nmarket to you\n\xe2\x80\x93 information\nabout yourtocreditworthiness\n\nCREDIT TERMS AND CONDITIONS\nCREDIT DISCLOSURES FOR THE\nFOR THE STERLING FAMILY OF\nSTERLING JEWELRY ACCOUNT\nJEWELERS ACCOUNT\nCREDIT DISCLOSURES FOR THE\nSTERLING JEWELRY ACCOUNT\n\n\xc2\xa7 affiliates\nfrom\nusing your\ninformation\nmarket\nState\nlaws and\nindividual\ncompanies\nmayto\ngive\nyou to\nyou rights to limit sharing.\nadditional\n\xc2\xa7 sharing for nonaffiliates to market to you\n\nDefinitions\nDefinitions\n\nState laws and individual companies may give you\nadditional rights to limit sharing.\nCompanies related by common ownership or control.\nThey can be financial and nonfinancial companies.\n\n\xc2\xa7\n\n\xc2\xae\n\nSterling Family of Jewelers does not share with\nCompanies\nrelated by common ownership or control.\nour affiliates.\nThey can be financial and nonfinancial companies.\nCompanies not related by common ownership or\n\xc2\xae\n\xc2\xa7 Sterling\noffinancial\nJewelersand\ndoes\nnot share with\ncontrol.\nTheyFamily\ncan be\nnonfinancial\nour affiliates.\ncompanies.\n\xc2\xae\nrelated\nby common\nownership\n\xc2\xa7Companies\nSterling not\nFamily\nof Jewelers\ndoes\nnot shareorwith\n\ncontrol.\nThey can\nfinancial\nand nonfinancial\nnonaffiliates\nsobe\nthey\ncan market\nto you.\ncompanies.\nA formal agreement between nonaffiliated financial\n\xc2\xae\n\xc2\xa7 Sterlingthat\nFamily\nof Jewelers\ndoes notproducts\nshare with\ncompanies\ntogether\nmarket financial\nor\nnonaffiliates\nservices\nto you. so they can market to you.\n\xc2\xae\nagreement\nnonaffiliated\nfinancial\n\xc2\xa7A formal\nSterling\nFamily ofbetween\nJewelers\ndoes not joint\n\ncompanies\nmarket. that together market financial products or\nservices to you.\n\n\xc2\xa7\n\n\xc2\xae\n\nSterling Family of Jewelers does not joint\nmarket.\n\n0300-30F-5678\n\n60005\n\n0300-30F-5678\n\n60005\n\n4/24/18 11:49 AM\n7/11/19 2:39 PM\n\n\x0c'