b"CREDIT AGREEMENT for the FRY\xe2\x80\x99S CREDIT ACCOUNT from FIRST ELECTRONIC BANK\nIMPORTANT: FRY\xe2\x80\x99S CREDIT ACCOUNT OPENING DISCLOSURES. The following information on interest rates, interest charges, and fees are\naccurate as of: March 18,2020\n\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\n26.99%\nPurchases\nThe APR will vary with the market based on the Prime Rate.\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest\nCharge\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\nFees\nPenalty Fees:\nLate Payment\nReturned Payment\n\nYour due date is at least 24 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance due by the due date each month.\nIf you are charged interest, the charge will be no less than $2.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore.\n\nUp to $35\nUp to $25\nThese fees may vary by state. See your Agreement for the fee applicable to your Account.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x98average daily balance (including new purchases).\xe2\x80\x99 See your Account\nAgreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.\nThe Fry\xe2\x80\x99s Credit Account is issued by First Electronic Bank, P.O. Box 521271, Salt Lake City, UT 84152-1271 (\xe2\x80\x9dBank\xe2\x80\x9d).\nCurrent Rate Schedule:\nStandard APR:\nStandard Daily Periodic Rate:\n\n26.99%\n0.073945%\n\nTHIS AGREEMENT CONTAINS AN ARBITRATION PROVISION. UNLESS YOU PROMPTLY REJECT THE ARBITRATION PROVISION (SEE SECTION\n31(n), THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING\nYOUR RIGHT TO BRING OR PARTICIPATE IN ANY CLASS PROCEEDING. THE ARBITRATION PROVISION DOES NOT APPLY TO \xe2\x80\x9cCOVERED\nBORROWERS\xe2\x80\x9d UNDER THE MILITARY LENDING ACT.\nThis Credit Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) governs your account with First Electronic Bank, an FDIC-insured industrial bank located in Utah, and\nshould be reviewed carefully and retained for your records. If the Bank approves your application and opens an account for you, you agree\nwith the Bank as follows:\n1. DEFINITIONS. In this Agreement and in your monthly billing statement, the following definitions will apply: the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d refer to each person in whose name this Account was opened and to whom we direct the billing statement; these words also refer\nto anyone you have authorized to use the Account or for whom you have requested an additional Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and\n\xe2\x80\x9cBank\xe2\x80\x9d refer to First Electronic Bank, or to any of its successors or assignees. The word \xe2\x80\x9cAccount\xe2\x80\x9d means your revolving line of credit\naccount with the Bank. The words \xe2\x80\x9cAuthorized User\xe2\x80\x9d mean any person whom you give permission to use your Account. The word \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the credit card(s) that may be issued to you under this Agreement for use in connection with your Account. The words \xe2\x80\x9cFry\xe2\x80\x99s\xe2\x80\x9d refers\nto Fry\xe2\x80\x99s Electronics, Inc.\n2. ACCEPTANCE OF AGREEMENT. You acknowledge and agree that any use of the credit associated with your Account constitutes your\nacceptance of the provisions contained in this Agreement, which includes an arbitration provision. The application you signed or otherwise\nsubmitted (including the federal and state notices), any temporary card and the card carrier the Bank sends with your Card are part of and\nare incorporated into this Agreement.\n\n\x0c3. PROMISE TO PAY. You promise to pay us, in accordance with the terms of this Agreement, for all credit that we extend on your Account,\nand all other amounts owed to us under the terms of this Agreement. If this is a joint Account, each of you agrees to be liable individually\nand jointly for the entire amount owed on your Account, even if the Account is only used by one of you.\n4. CREDIT LIMIT. Your initial credit limit is disclosed in the card carrier accompanying your Card, or on the face of any temporary Card.\nThereafter, your credit limit and available credit on your Account will be disclosed on each monthly billing statement. You agree not to\nexceed your credit limit unless authorized by us. You are liable for the entire outstanding balance on your Account, even if it exceeds your\ncredit limit. We may establish from time to time the minimum amount of credit we will extend under the Account for a single transaction.\nCredit balances do not serve to increase your credit limit. The Bank may increase or decrease your credit limit at any time and will notify\nyou of such change in accordance with applicable law.\n5. USE OF ACCOUNT. You may use your Account to make purchases on credit at any Fry\xe2\x80\x99s store. If a Card is issued to you for use in\nconnection with your Account, the Card must be signed to be used. The Card is the property of the Bank and must be returned to the Bank\nif the Bank so requests.\n6. CREDIT AUTHORIZATIONS. Some purchases will require our prior authorization and you may be asked by the merchant to provide\nidentification. If our authorization system is not working, we may not be able to authorize a transaction, even if you have sufficient\navailable credit. We will not be liable to you if any of these events happen. We are not responsible for the refusal of any merchant to accept\nor honor the Card.\n7. AUTHORIZED USERS. You may permit another person to have access to your Account (via methods such as your Account number, your\nCard, additional Cards you may request on your Account, etc.). However, if you do, you must pay us for all charges made by those persons,\nincluding charges for which you may not have intended to be responsible. In addition, you must pay us all fees that may become due under\nthe terms of this Agreement in connection with such charges. You must notify us to revoke permission for any person you have previously\nauthorized to use your Account. If you tell us to revoke another person\xe2\x80\x99s use of your Account, we may close that Account number and set\nup a new Account with a different Account number.\n8. SPECIAL TERMS. You may make purchases under any type of program for qualified merchandise. If an Invoice shows that a specific plan\napplies, then the purchase will be governed by the terms on the Invoice and the terms of this Agreement. You accept the special terms by\nmaking the purchase. The Invoice will state the length of the special terms period, if any.\n9. TYPES OF CHARGES. There are two types of charges or \xe2\x80\x9cPlans\xe2\x80\x9d under your Account: you may make a purchase on (a) the Regular Plan or\n(b) a Promotional Plan. The standard provisions of this Agreement apply to all Promotional Plan transactions unless otherwise specified\nprior to or at the time of purchase under a particular Promotional Plan offering, and will continue to apply to any and all transactions that\nare not subject to a Promotional Plan. The following Promotional Plans may be offered from time to time as specified prior to or at the time\nof purchase: (a) Same As Cash Monthly Payment Plan \xe2\x80\x93 If you pay the full cash sales price of the purchase by the promotional due date, as\nindicated on your billing statement, and pay the Minimum Payment Due when due each billing cycle, as indicated on your billing statement,\nno interest charges will be imposed on the purchase. If such payments are not so made, interest charges will be imposed from the purchase\ndate. All purchases that do not fall under a Promotional Plan are referred to as Regular Plan purchases. Certain rules apply to the allocation\nof payments and interest charges on your promotional purchase if you make more than one purchase on your Account. Call 1-855-4570419 for information.\n10. MONTHLY BILLING STATEMENT. We will send you a monthly billing statement summarizing each transaction on your Account during\nthe preceding billing period. The billing statement will also show the total amount that you owe the Bank at the end of the current billing\nperiod, including any interest charges, fees, debt cancellation (if applicable), the minimum payment due, the payment due date (which date\nis at least 24 days from the monthly statement closing date), and a summary regarding any Promotional Plan charges and due dates. It also\nshows your current Credit Limit. We will mail or deliver your billing statement to only one address. If your Account is a joint Account or if\nmore than one person is permitted to use the Account, you agree that all billing statements and notices regarding the Account may be sent\nsolely to the address shown on our billing records.\nPlease review each billing statement carefully. You must notify us promptly of any change in your name, residence or billing address by\nwriting to us at the \xe2\x80\x9cMail Inquiries\xe2\x80\x9d address on your billing statement. Preservation of your rights under federal law regarding resolution of\nbilling errors depends upon your timely recognition of potential errors, as explained in paragraph 36 below. If you default under this\nAgreement, we may, in our sole discretion, stop sending you billing statements if we deem your Account uncollectible or if we institute\ndelinquency collection proceedings.\n11. VARIABLE ANNUAL PERCENTAGE RATE (APR). The interest rate on your account is subject to change from time to time based on\nchanges in an independent index which is the Prime Rate as published in The Wall Street Journal on the first day of the month that The\nWall Street Journal is published (the \xe2\x80\x9cIndex\xe2\x80\x9d). If the index becomes unavailable, the Bank may designate a substitute Index after providing\nnotice to you. The Standard APR will increase when the Prime Rate increases. If the Prime Rate changes, resulting in a change in the APR,\nthe change will take effect on the first day of your next billing period. Each time the APR changes, we will apply it to any existing balances,\nsubject to special terms of any applicable Promotional Plans. An increase in the variable APR means you will pay higher interest charges and\nperhaps a higher minimum payment.\n12. ANNUAL PERCENTAGE RATES. The APR for purchases is based on a monthly \xe2\x80\x9cPrime Rate\xe2\x80\x9d plus a margin. The Standard APR is\ndetermined by adding 23.74% to the Prime Rate. The corresponding daily periodic rates are 1/365th (1/366th for a leap year) of the then\ncurrent APR. The applicable APRs at the time of account opening are displayed in the Current Rate Schedule immediately preceding this\nAgreement. Subsequent applicable APRs will appear in the monthly billing statement. The APRS may change. Please see paragraph 11 for\ndetails relating to how these rates may change.\n\n\x0c13. MILITARY LENDING ACT DISCLOSURES. Notice for active duty military personnel and dependents: Federal law provides important\nprotections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This\nrate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). If you would\nlike to hear about your Military Lending Act rights and a description of your payment obligation, please contact us at 1-877-634-6368\n14. INTEREST CHARGES. The following interest charges apply whether before or after default, judgment, or the closing of your Account:\n(a) When Periodic Interest Charges Begin To Accrue. Your due date is at least 24 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date each month, otherwise, periodic interest charges will\nbe assessed on each purchase from the date of the transaction. If during the previous billing cycle you paid in full by the Payment Due Date,\nthen in the current billing cycle you will have an additional interest-free period on the amount of any Regular Plan Purchases paid by the\nPayment Due Date, based on our payment allocation method. Under certain Promotional Plans that may be offered from time to time,\ninterest charges may be waived under the specific terms that will be provided at or prior to the time of purchase under such Promotional\nPlan. (b) Calculation of Interest Charges. The total amount of interest charges for a billing period will be calculated as follows: (1) Regular\nPlan - We calculate the interest charge on your account by applying the periodic rate to the Average Daily Balance of your account\n(including new transactions). To get the Average Daily Balance we take the beginning balance of your Regular Plan account each day, add\nany new purchases and fees and subtract any payments or credits. This gives us the daily balance (any unpaid interest charges incurred\nduring that billing period are not included in the daily balance). Then we add up all the daily balances for the billing cycle and divide the\ntotal by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d which is also called the \xe2\x80\x9cBalance Subject to\nInterest Rate\xe2\x80\x9d on your monthly statement. We then multiply the Average Daily Balance by the daily periodic rate (DPR). That number is\nthen multiplied by the number of days in the billing period. (2) Promotional Plans - We calculate the interest charge on your account by\napplying the periodic rate to each Promotional Plan Average Daily Balance. These are special promotional transaction balances on which\ninterest charges are accruing but will be waived provided (i) the balance for the Promotional Plan is paid in full by the Promotion Expiration\nDate as specified on the front of your billing statement, and (ii) you do not default, by failing to make any Minimum Payment Due by 60\ndays from the due date shown on your billing statement, before the Promotional Plan has been paid in full. Promotional Plans with\ndifferent promotional expiration dates or terms are treated as different Credit Plans for this purpose. To get the Promotional Plan Average\nDaily Balance, we take the beginning balance of each Promotional Plan account each day and subtract any payments or credits applicable to\nthat Plan. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us each Promotional Plan Average Daily Balance, which is also called the \xe2\x80\x9cDeferred Interest Balance\xe2\x80\x9d on\nyour monthly statement. We then multiply the Promotional Plan Average Daily Balance by the daily periodic rate (DPR). That number is\nthen multiplied by the number of days in the billing period. (3) The sum of the amounts determined under (1) and (2) above is your interest\ncharge on purchases. The deferred interest charge, if any, determined under (2) above is accumulated from billing cycle to billing cycle and\nposted to your Account as interest charges only if the applicable Promotional Plan has not been paid in full by the Promotion Expiration\nDate or if you default, by failing to make any Minimum Payment Due by 60 days from the due date shown on your billing statement, before\nthe Promotional Plan transactions have been paid in full. (c) Days in Billing Period. For interest charge calculation purposes, the billing\nperiod begins on the day after the Statement/Closing Date of the previous billing period and includes the Statement/Closing Date of the\ncurrent billing period. The number of days in the billing period may vary. (d) Minimum Interest Fee. A minimum interest charge of $2.00\nwill be assessed on each Account for any billing cycle in which an interest charge is due.\n15. MINIMUM PAYMENT DUE. You agree to pay us, in time for receipt by us on or before the applicable due date and time shown on your\nbilling statement and this Agreement, the total \xe2\x80\x9cminimum due\xe2\x80\x9d amount reflected on your billing statement. The total minimum payment\ndue will be equal to the greater of $35.00 ($2.00 if there is no Regular Plan balance or if the Regular Plan balance is less than $35.00) or 1%\nof balance plus billed interest charges plus any fees plus any Past Due amount, rounded up to the next whole dollar. If the balance shown\non your statement is less than $35.00, your Minimum Payment Due will be the entire balance. Your receipt of a credit does not relieve you\nof your obligation to pay the Minimum Payment Due. You may at any time pay more than the minimum payment due without penalty.\nHowever, when you pay more than your minimum payment due it will not extend, delay or otherwise impact your payment due in the\nfollowing billing period. Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay\nyour balance.\n\n16. PAYMENTS. The payment due date on your Account will be the same date each month and will be at least 24 days from the closing\n\ndate on your statement. All payments must be made in U.S. dollars drawn on funds on deposit in the United States. You may, at any time,\npay more than the monthly Minimum Payment Due or even the entire outstanding balance without a penalty. No partial prepayment will\nextend the due date of any succeeding payment. Payments on your Account should be mailed to us at our remittance address shown on\nyour billing statement. Payments accompanied by the payment coupon portion of your billing statement received by us at that address\nbefore 5:00 p.m. Pacific Time on any banking day will be credited to your Account as of that day. Payments received by us at any other\nlocation, or in any other form, may be subject to a delay in crediting of up to 5 days after receipt. You may not mail us cash. You agree that\nany payment may be returned to you if your check is: (a) missing a signature; (b) drawn with different numeric and written amounts; (c)\nrestrictively endorsed; (d) postdated; or, (e) not paid on presentment. However, if you wish us to consider a payment marked \xe2\x80\x9cpaid in full\xe2\x80\x9d,\n\xe2\x80\x9cwithout recourse\xe2\x80\x9d, or similar language, such payment must be marked for special handling and sent to the \xe2\x80\x9cMail Payments\xe2\x80\x9d address on\nyour billing statement. You agree that we may accept any such payment, late payments, partial payments, and payments marked \xe2\x80\x9cpaid in\nfull\xe2\x80\x9d, \xe2\x80\x9cwithout recourse\xe2\x80\x9d, or otherwise restrictively endorsed without waiving our right to payment in full of your entire Account balance.\nYour Available Credit may be increased by the amount of your payment within a reasonable time after that payment is received. If you have\nmultiple plan balances, payments in the amount of the minimum payment will be allocated to the total Minimum Payment Due. Any\npayment amount above the minimum payment due will be applied as follows: (1) If you have a deferred interest promotion plan balance\nin the last two cycles prior to expiration, excess payments will be applied to that balance first, and (2) In all other situations, we will\napply excess payments to your higher interest balances.\n\n\x0c17. ELECTRONIC PAYMENTS. When you provide a check as payment, you authorize us either to use information from your check to make a\none-time electronic fund transfer from your account or to process the payment as a check transaction. Your check will not be returned to\nyou by us or your bank.\n18. OTHER CHARGES. Other charges on your Account include the following:\n(a) Late Payment Fee. We may add the following fees to your purchase balance if we do not receive your minimum monthly payment by\n5:00 p.m. Pacific Time on the payment due date shown on your billing statement. The Late Payment Fee will be up to $25. If you are late\nmore than once in a six month period, the late payment fee will go up to $35. If you make on time payments for six months, it will return to\n$25. (For Iowa Residents the late payment fee will be up to $15).\n(b) Returned Payment Fee. We may add a fee of up to $25 (up to $20 Iowa Residents) to your purchase balance when a check or other\npayment on your Account is not honored, when we must return it because it cannot be processed, or when an automatic debit is returned\nunpaid. At our option, we may assess this fee the first time your check or payment is not honored, even if it is honored upon resubmission.\n(c) Statement Copy Fee. We may add a fee of $5 to your purchase balance for each billing statement page copy you request on your\nAccount, unless otherwise prohibited by law.\n(d) Reissue Card Fee. We may add a fee of $5 to your purchase balance for each card that you request be reissued on your Account. We\nmay add a fee of $30 to your purchase balance for each card if you request expedited delivery.\n(e) Invoice/Sales Slip and Payment Copy Fee. We may add a fee of $5 to your purchase balance for each copy you request of (1) an\ninvoice/sales slip, and (2) your payments.\n(f) Research Fee. We may add to the purchase balance a fee of $15 per hour for research that you request on your Account (unless such\nresearch discloses a billing error made by the Bank) plus $5.00 per page for any photocopies.\n(g) Expedited Payment Fee. We may permit you to make a payment on your Account by authorizing us over the telephone to transfer or\npay funds from your deposit account to your Fry\xe2\x80\x99s Credit Account. We may impose a fee of up to $15 for each such payment authorized by\nyou for any expedited payment facilitated by our representative.\n(h) Paper Statement Fee. We may add a fee of $1 if we mail a paper billing statement to you.\n19. DEFAULT. You will be in default under this Agreement if the minimum monthly payment listed on the billing statement as Minimum\nPayment Due is not received at the correct address on or before the payment due date, or if you breach any other provision of this\nAgreement, file for bankruptcy, or become insolvent or generally unable to pay your debts, or have furnished false or misleading\ninformation in applying for your Fry\xe2\x80\x99s Credit Account. After your default or your death, and subject to the limitations of applicable law, we\nmay at our option: (a) close your Account and declare the entire unpaid balance on your Account immediately due and payable, (b) require\nyou to surrender the products purchased with any outstanding loans from your Account, and (c) exercise all other rights and remedies\navailable to us under applicable law. In the event of your default, and subject to any limitations or requirements of applicable law, you\nagree to pay all costs, including reasonable attorney\xe2\x80\x99s fees, incurred by us (a) in collecting all amounts due on your Account, whether or not\nsuit is brought against you, and (b) in protecting ourselves from any harm that we may suffer as a result of your default.\n20. LOST OR STOLEN CARD OR UNAUTHORIZED USE. You may be liable for the unauthorized use of your Card or your Account. You will not\nbe liable for unauthorized use that occurs after you notify us immediately by telephone at 1-855-457-0419 of the loss, theft or possible\nunauthorized use. In any case, your liability will not exceed $50.\n21. COMMUNICATIONS BETWEEN US, CONSENT TO ELECTRONIC COMMUNICATIONS AND TELEPHONE MONITORING AND RECORDING.\nWe may use any means of communication to contact you for any lawful purpose (including debt collection). Such means of communication\nmay include, but is not limited to postal mail, telephone, email, text message or other technology, even if you are charged for the contact.\nWe may contact you at any address (including any e-mail or text message address) or telephone number (including any cellular telephone\nnumber or land line number that is later ported to a cellular telephone) that you give to us. We may monitor, tape or electronically record\nour telephone calls with you, including any calls with our customer service department, collection department and any other department.\nWe may contact you using an automatic dialing and announcing device that may play recorded messages. You understand and agree\nthat by providing us with a cellular telephone number, you consent to receive calls at that number by an automatic dialing and\nannouncing device or recorded message. No contact to you will be deemed unsolicited.\n22. FINANCIAL INFORMATION. You agree to provide us with current financial information and updated application information in such\nform and at such times as we may request. We may contact any source we deem necessary in investigating your credit worthiness,\nincluding obtaining consumer credit reports on you from consumer reporting agencies in connection with your application and later in\nconnection with reviewing, renewing, and/or taking collection action on your Account.\n23. CREDIT REPORTING. We may report your performance under this Agreement to credit reporting agencies, including your failure to\nmake minimum payments on time. If you add other Authorized Users or request additional Cards on your Account for others, you\nunderstand that we may report Account information in your name as well as in the names of those other people. We may also obtain\nfollow-up credit reports on you (for example, when we review your Account for a credit line increase). If you wish to know the names of the\nagencies we have contacted, write us at the address listed on the billing statement. We may also respond to inquiries about our credit\nexperiences with you as permitted by law. You are hereby notified that a negative credit report reflecting on your credit record may be\nsubmitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.\n24. SHARING CUSTOMER INFORMATION; PRIVACY NOTICE. We are permitted by law to share any information about our transactions and\nexperience with you, but other information you provide to us or that we obtain from third parties (for example, credit bureaus) will not be\nshared among our affiliates.\n25. RESPONSIBILITY FOR GOODS OR SERVICES. We are not responsible for goods or services you purchase using your Account except to the\nextent required by applicable law.\n26. CHANGING THIS AGREEMENT. We may amend this Agreement by changing, adding or deleting any term, condition, service or feature\n(\xe2\x80\x9cNew Term\xe2\x80\x9d) of your Account or of this Agreement at any time. We will notify you of such changes to the extent and in the manner\n\n\x0crequired by applicable law. We may apply any new terms to the outstanding balance in the Account at the time of the change, as allowed\nby applicable law, as well as to any advances made after the effective date of the change.\n27. CLOSING YOUR ACCOUNT. We may close your Account and/or suspend your right to use your Account at any time for any reason; we\nwill notify you of such action to the extent and in the manner required by applicable law. We may also reissue a different Card account\nnumber at any time. You must return the Card to us upon request. You may close your Account at any time by notifying us in writing. If\nyours is a joint Account, any one Account holder may terminate this Agreement. We will have no obligation to notify the other Account\nholder. Upon receipt of your written notice, your right to use the Card will be automatically revoked. You will be required to repay the\noutstanding balance in accordance with applicable law.\n28. NO WAIVER BY US. We can delay in enforcing, or fail to enforce, any of our rights under this Agreement without losing them.\n29. SEVERABILITY. If any of the provisions of this Agreement are held to be unenforceable or invalid for any reason, the remaining\nprovisions hereof shall nevertheless remain enforceable, and shall be interpreted in such a manner to preserve the enforceability of this\nAgreement to the maximum extent permitted by applicable law.\n30. ASSIGNMENT OF ACCOUNT. You may not assign your rights under this Agreement or your Account to anyone. We may sell or assign any\nor all of our rights under this Agreement, including our security interest, at any time.\n31. ARBITRATION PROVISION. This Arbitration Provision does not apply to you if, as of the date of this Agreement, you are a member of\nthe Armed Forces or a dependent of such member entitled to protection under the Federal Military Lending Act. Unless you exercise\nyour right to reject arbitration under subsection (n) below, the following Arbitration Provision will apply: (a) General: Either you or we\nmay elect to arbitrate or require the other party to arbitrate any Claim (as defined below) under the following terms and conditions. If you\nor we elect to arbitrate a Claim, neither you nor we will have the right to: (i) have a court or a jury decide the Claim; (ii) participate in a class\naction in court or in arbitration, either as a class representative or a class member; (iii) act as a private attorney general in court or in\narbitration; or (iv) join or consolidate your Claim(s) with claims of any other person. The right to appeal and the right to discovery are more\nlimited in arbitration than in court. Other rights that you would have if you went to court may also not be available in arbitration. (b)\nDefinitions: The following definitions apply to this Arbitration Provision, even if terms defined in this Arbitration Provision are defined\ndifferently elsewhere in this Agreement: (i) \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean First Electronic Bank or any subsequent holder of this Agreement.\nAlso, these terms include the parents, subsidiaries, affiliates and successors of such company, as well as the officers, directors, agents and\nemployees of any of the foregoing. These terms also include any party named as a co-defendant with us in a Claim asserted by you, such as\nmarketing companies, credit bureaus, credit insurance companies, credit card or loan servicers and debt collectors. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d include each and every Cardholder or Authorized User. (ii) \xe2\x80\x9cAdministrator\xe2\x80\x9d means the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d),\n1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org, 800-778-7879; JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018,\nwww.jamsadr.com, 800-352-5267; or any other company selected by mutual agreement of the parties. If both AAA and JAMS cannot or\nwill not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. The\nparty initiating an arbitration selects the Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no\narbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or\ninformal policy that would purport to override subsection (d) below, captioned \xe2\x80\x9cNo Class Actions\xe2\x80\x9d (the \xe2\x80\x9cClass Action Waiver\xe2\x80\x9d). (iii) \xe2\x80\x9cClaim\xe2\x80\x9d\nmeans any claim, dispute or controversy between you and us that in any way arises from or relates to this Agreement or the Account,\nincluding disputes arising from actions or omissions prior to the date of this Agreement. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest reasonable meaning, and\nincludes initial claims, counterclaims, cross-claims and third-party claims. It includes disputes based upon contract, tort, consumer rights,\nfraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity (including any claim for injunctive or\ndeclaratory relief). However, it does not include disputes about the validity, enforceability, coverage or scope of this Arbitration Provision\nor any part thereof (including, without limitation, the Class Action Waiver, the final sentence in subsection (j) under the caption \xe2\x80\x9cSurvival,\nSeverability, Primacy\xe2\x80\x9d and/or this sentence); all such disputes are for a court and not an arbitrator to decide. However, any dispute or\nargument that concerns the validity or enforceability of this Agreement as a whole is for the arbitrator, not a court, to decide. Claim does\nnot include: (1) any individual action brought by you or us in small claims court or your state\xe2\x80\x99s equivalent court, unless such action is\ntransferred, removed, or appealed to a different court; (2) the exercising of any self-help rights by you or us or (3) any individual action in\ncourt by one party that is limited to preventing the other party from using a self-help remedy and that does not involve a request for\ndamages or monetary relief of any kind. The institution and/or maintenance of any such right, action or litigation will not constitute a\nwaiver of the right of either of the parties to compel arbitration regarding any other dispute subject to arbitration pursuant to this\nArbitration Provision. (c) Starting or Demanding Arbitration: To start an arbitration, the party asserting the Claim (the \xe2\x80\x9cClaimant\xe2\x80\x9d) must\ncommence the arbitration in accordance with the Administrator's rules. To require arbitration of a Claim, the party defending the Claim (the\n\xe2\x80\x9cDefending Party\xe2\x80\x9d) must give the Claimant a written demand for arbitration. This demand may be given after a lawsuit has been filed and\nmay be given in papers or motions in the lawsuit. If an arbitration is commenced or an arbitration demand is given, the Claim shall be\nresolved by arbitration under this Arbitration Provision and the applicable rules of the Administrator then in effect. (d) No Class Actions:\nNotwithstanding any language herein to the contrary, if you or we elect to arbitrate a Claim, neither you nor we will have the right to: (i)\nparticipate in a class action in court or in arbitration, either as a class representative, class member or otherwise; (ii) act as a private\nattorney general in court or in arbitration; or (iii) join or consolidate Claims by or against you with claims by or against any other person,\nand the arbitrator shall have no authority to conduct any such class, private attorney general or multiple-party proceeding. (e) Location\nand Costs: Any arbitration hearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain a\nwaiver of the Administrator's or arbitrator's filing, administrative, hearing and/or other fees, we will consider in good faith any request by\nyou for us to bear such fees. We will pay for our own attorneys, experts and witnesses and will pay the reasonable fees and charges of your\nattorneys, experts and witnesses if and to the extent you prevail in the arbitration. Even if you do not win the arbitration, we will pay any of\n\n\x0cthe Administrator's or arbitrator's filing, administrative, hearing and/or other fees, and the fees and charges of your attorneys, experts and\nwitnesses, if and to the extent we are required to pay such fees and charges by law or the Administrator\xe2\x80\x99s rules or in order to make this\nArbitration Provision enforceable. (f) Arbitrator Selection: The arbitrator will be appointed by the Administrator in accordance with the\nrules of the Administrator. However, unless the parties agree otherwise, the arbitrator must be a retired or former judge or a lawyer with at\nleast 10 years of experience. (g) Discovery; Getting Information: In addition to the parties' rights under the Administrator's rules to obtain\ninformation prior to the hearing, either party may ask the arbitrator for more information from the other party. The arbitrator will decide\nthe issue in his or her sole discretion, after allowing the other party the opportunity to object.\n(h) Effect of Arbitration Award: Any court with jurisdiction may enter judgment upon the arbitrator's award. The arbitrator's award will be\nfinal and binding, except for: (1) any appeal right under the Federal Arbitration Act, 9 U.S.C. \xc2\xa71 et seq. (the \xe2\x80\x9cFAA\xe2\x80\x9d); and (2) Claims involving\nmore than $50,000. If permitted by the Administrator\xe2\x80\x99s rules, for Claims involving more than $50,000, any party may appeal the award to a\nthree-arbitrator panel appointed by the Administrator, which will reconsider anew any aspect of the initial award that is appealed. The\npanel's decision will be final and binding, except for any appeal right under the FAA. The costs of any appeal will be borne in accordance\nwith subsection (e) above, captioned \xe2\x80\x9cLocation and Costs.\xe2\x80\x9d (i) Governing Law: This Agreement governs Transactions involving interstate\ncommerce and accordingly this Arbitration Provision shall be governed by the FAA and not by any state law concerning arbitration. The\narbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and privilege rules\nthat would apply in a court proceeding, and shall be authorized to award all remedies available in an individual lawsuit under applicable\nsubstantive law, including, without limitation, compensatory, statutory and punitive damages (which shall be governed by the\nconstitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys' fees and costs.\nUpon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator will\nfollow rules of procedure and evidence consistent with the FAA, this Arbitration Provision and the Administrator's rules. (j) Survival,\nSeverability, Primacy: This Arbitration Provision shall survive the termination of this Agreement, your fulfillment or default of your\nobligations under this Agreement and/or your or our bankruptcy or insolvency (to the extent permitted by applicable law). In the event of\nany conflict or inconsistency between this Arbitration Provision and the Administrator's rules or other provisions of this Agreement, this\nArbitration Provision will govern. If any portion of this Arbitration Provision, other than the Class Action Waiver, is deemed invalid or\nunenforceable, the remaining portions shall nevertheless remain in force. If a determination is made with respect to any Claim that the\nClass Action Waiver is unenforceable, only this sentence of the Arbitration Provision will remain in force and the remaining provisions shall\nbe null and void, provided that the determination concerning the Class Action Waiver shall be subject to appeal. (k)\nAmendment/Termination: Notwithstanding any provision of this Agreement to the contrary, we will not amend this Arbitration Provision in\na manner that adversely affects your rights or responsibilities in a material manner unless we give you a right to reject the amendment\nand/or the Arbitration Provision in its entirety. (l) Notice and Cure: Prior to initiating a lawsuit or arbitration regarding a Claim, the Claimant\nshall give the Defending Party written notice of the Claim (a \xe2\x80\x9cClaim Notice\xe2\x80\x9d) and a reasonable opportunity, not less than 30 days, to resolve\nthe Claim on an individual basis. Any Claim Notice to you shall be sent in writing by mail to the address for you maintained in our records.\nAny collection letter we send to this address shall be deemed to be a Claim Notice. Any Claim Notice to us shall be sent to us by certified\nmail, return receipt requested, at First Electronic Bank, P.O. 521271, Salt Lake City, UT 84152-1271(or such other address as we\nsubsequently provide you). Any Claim Notice you send must provide your Account Number and telephone number. Any Claim Notice must\nexplain the nature of the Claim and the relief that is demanded. The Claimant must reasonably cooperate in providing any information\nabout the Claim that the Defending Party reasonably requests. Upon receipt of a Claim Notice, we will credit your Account for the standard\ncost of a certified letter. (m) Special Payment: If (i) you submit a Claim Notice on your own behalf (and not on behalf of any other party) in\naccordance with subsection (l), captioned \xe2\x80\x9cNotice and Cure\xe2\x80\x9d (including the timing requirements thereof); (ii) we refuse to provide you with\nthe relief you request; and (iii) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator\nshall award you at least $7,500 in addition to the attorney, witness and expert fees and costs to which you are entitled. (n) RIGHT TO\nREJECT ARBITRATION: You may reject this Arbitration Provision by sending us a written rejection notice in accordance with this\nsubsection (n). We must receive the rejection notice within 45 days after we mail you a Fry\xe2\x80\x99s Credit Card. You may not reject arbitration\nby phone or by any method other than the method described in this subsection (n). In order for a rejection notice to be valid and\neffective, it must: (i) state that you (or both or all of you, if more than one) wish to reject the Arbitration Provision; (ii) state your name,\naddress and Account number; and (iii) be signed by you (or both or all of you, if more than one). If you reject this Arbitration Provision,\nthat will not affect any other provision of this Agreement.\n32. CLASS ACTION WAIVER. You waive the right to initiate or participate in a class action against the Bank relating to this Agreement.\n33. GOVERNING LAW. This Agreement is governed by and construed in accordance with the laws of the United States. To the extent state\nlaw applies to this Agreement, this Agreement will be governed by the laws of the state of Utah. This Agreement is not valid until accepted\nby the Bank in Utah, and any credit extended to you is extended in and from Utah, regardless of where you reside or use your Account. You\nagree that if a dispute arises and you file suit against the Bank, services of process on the Bank may be made only at Bank\xe2\x80\x99s main office in\nSalt Lake City, Utah.\n34. ENTIRE AGREEMENT. This Agreement is the final expression of the agreement between you and the Bank and may not be contradicted\nby evidence of any alleged oral agreement.\n35. FOR FURTHER INFORMATION. For further information about your Account or this Agreement, you may call us at the telephone number\non the front of the billing statement.\n36. YOUR BILLING RIGHTS (KEEP THIS DOCUMENT FOR FUTURE USE). This notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\n\x0cWhat To Do IF You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at First Electronic Bank,\nP.O. Box 521271, Salt Lake City, Utah 84152-1271. In your letter, give us the following information: (a) Account information: Your name and\naccount number. (b) Dollar amount: The dollar amount of the suspected error. (c) Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us 1) within 60 days after the error\nappeared on your statement, or 2) at least 3 business days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter: When we receive your letter, we must do two things: 1) within 30 days of receiving your\nletter, we must tell you that we received your letter - we will also tell you if we have already corrected the error; and 2) within 90 days of\nreceiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or\nnot there has been an error: 1) we cannot try to collect the amount in question, or report you as delinquent on that amount; 2) the charge\nin question may remain on your statement, and we may continue to charge you interest on that amount; 3) while you do not have to pay\nthe amount in question, you are responsible for the remainder of your balance; and 4) we can apply any unpaid amount against your credit\nlimit. After we finish our investigation, one of two things will happen: (a) If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount. (b) If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due.\nWe may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you purchased\nwith your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following must be true: 1) the purchase must have been made in your\nhome state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods\nor services); 2) you must have used your credit card for the purchase; and 3) you must not yet have fully paid for the purchase. If all of the\ncriteria above are met and you are still dissatisfied with the purchase, contact us in writing at: First Electronic Bank, PO Box 521271, Salt\nLake City, Utah 84152-1271. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n031803130\n\n\x0c"


b'Destiny\xe2\x84\xa2\nDestiny\xe2\x84\xa2\nMastercard\xc2\xae\nMastercard\xc2\xae\nAccount\nAccount\nFirstFirst\nElectronic\nElectronic\nBankBank\nInterest\nInterest\nRates Rates\nand Interest\nand Interest\nCharges\nCharges\nAnnualAnnual\nPercentage\nPercentage\nRate (APR)\nRate (APR)\nfor Purchases\nfor Purchases\n\n24.9%\n24.9%\n\nAPR for\nAPR\nCash\nforAdvances\nCash Advances\n\n29.9%29.9%\n\nPenalty\nPenalty\nAPR and\nAPRWhen\nand When\nIt\nIt\nApplies\nApplies\n\n29.9%29.9%\nThis APR\nThismay\nAPRbemay\napplied\nbe applied\nto yourtoaccount\nyour account\nif you:if you:\na late payment.\na late payment.\n1. Make\n1. Make\nyourisAPR\nincreased\nis increased\nfor thefor\nabove\nthe above\nreason,\nreason,\nHow Long\nHowWill\nLongthe\nWill\nPenalty\nthe Penalty\nRate Apply?\nRate Apply?\nIf yourIfAPR\nthe Penalty\nthe Penalty\nAPR will\nAPR\napply\nwill until\napplyyou\nuntil\nmake\nyou six\nmake\nconsecutive\nsix consecutive\nminimum\nminimum\npayments\npayments\nwhen due.\nwhen due.\n\nPayingPaying\nInterest\nInterest\n\nYour due\nYourdate\ndueisdate\nat least\nis at25\nleast\ndays\n25after\ndaysthe\nafter\nclose\ntheof\nclose\neachofbilling\neach billing\ncycle. cycle.\nWe will\nWe\nnot\nwill\ncharge\nnot charge\nyou any\nyou\ninterest\nany interest\non purchases\non purchases\nif you pay\nif you\nyour\npayentire\nyour entire\nbalance\nbalance\nby theby\ndue\nthedate\ndueeach\ndate each\nmonth.month.\nWe will\nWe\nbegin\nwill charging\nbegin charging\ninterest\ninterest\non cash\nonadvances\ncash advances\non theon\ntransaction\nthe transaction\ndate. date.\n\nMinimum\nMinimum\nInterest\nInterest\nChargeCharge If you If\nare\nyou\ncharged\nare charged\ninterest,\ninterest,\nthe charge\nthe charge\nwill bewill\nno be\nlessno\nthan\nless$.50.\nthan $.50.\nFor Credit\nFor Credit\nCard Tips\nCardfrom\nTipsthe\nfrom the\nTo learn\nTo more\nlearn about\nmore about\nfactorsfactors\nto consider\nto consider\nwhen when\napplying\napplying\nfor or for\nusing\nor ausing\ncredit\na credit\ncard, visit\ncard, visit\nConsumer\nConsumer\nFinancial\nFinancial\nProtection\nProtection\nthe website\nthe website\nof theof\nConsumer\nthe Consumer\nFinancial\nFinancial\nProtection\nProtection\nBureau\nBureau\nat\nat\nBureau\nBureau\nhttp://www.consumerfinance.gov/learnmore.\nhttp://www.consumerfinance.gov/learnmore.\n\nF03-Y373-0 -0120\n\nFees Fees\nSet UpSet\nandUpMaintenance\nand Maintenance\nFees Fees\nNOTICE:\nNOTICE:\nSome Some\nof these\nof set\nthese\nupset\nandup\nmaintenance\nand maintenance\nfees will\nfees\nbewill\nassessed\nbe assessed\nbeforebefore\nyou begin\nyou begin\nusing your\nusingcard\nyourand\ncard\nwill\nand\nreduce\nwill reduce\nthe amount\nthe amount\nof credit\nof credit\nyou initially\nyou initially\nhave available.\nhave available.\nFor For\nexample,\nexample,\nbased based\non theon\ncredit\nthe credit\nline ofline\n$300,\nof your\n$300,initial\nyour available\ninitial available\ncredit credit\nwill bewill\nonlybeabout\nonly about\n$225. $225.\nYou may\nYoureject\nmay reject\nthis plan,\nthisprovided\nplan, provided\nthat you\nthat\nhave\nyounot\nhave\nyetnot\nused\nyetthe\nused\naccount\nthe account\nor paidorapaid\nfee a fee\na billing\na billing\nstatement.\nstatement.\nIf you If\ndoyou\nreject\ndo reject\nthis plan,\nthisyou\nplan,\nare\nyou\nnotare\nresponsible\nnot responsible\nfor for\nafter receiving\nafter receiving\nany fees\nanyorfees\ncharges.\nor charges.\n\xe2\x80\xa2 Annual\n\xe2\x80\xa2 Annual\nFee Fee\nTransaction\nTransaction\nFees Fees\n\xe2\x80\xa2 Cash\n\xe2\x80\xa2 Advance\nCash Advance\nFee Fee\n\nthereafter\n$75 the\n$75\nfirst\ntheyear;\nfirst$99\nyear;\n$99 thereafter\n$0 during\n$0 during\nthe first\ntheyear;\nfirstafter\nyear;the\nafter\nfirst\ntheyear,\nfirsteither\nyear, either\n$5 or 5%\n$5 or\nof 5%\nthe of\namount\nthe amount\nof eachof each\ntransaction,\ntransaction,\nwhichever\nwhichever\nis greater\nis greater\n(not to(not\nexceed\nto exceed\n$100) $100)\n\n1% of 1%\neachoftransaction\neach transaction\nin U.S.indollars\nU.S. dollars\n\xe2\x80\xa2 Foreign\n\xe2\x80\xa2 Foreign\nTransaction\nTransaction\nFee Fee\nPenalty\nPenalty\nFees Fees\n\xe2\x80\xa2 Late\n\xe2\x80\xa2 Payment\nLate Payment\nFee Fee\n\nUp to $40\nUp to $40\n\n\xe2\x80\xa2 Overlimit\n\xe2\x80\xa2 Overlimit\nFee Fee\n\nUp to $40\nUp to $40\n\nUp to $40\n\xe2\x80\xa2 Returned\n\xe2\x80\xa2 Returned\nPayment\nPayment\nFee FeeUp to $40\nHow We\nHowCalculate\nWe Calculate\nYour Balance:\nYour Balance:\nWe use\nWea use\nmethod\na method\ncalled called\n\xe2\x80\x9caverage\n\xe2\x80\x9caverage\ndaily balance\ndaily balance\n(including\n(including\nnew purchases)\xe2\x80\x9d.\nnew purchases)\xe2\x80\x9d.\nSee your\nSee your\nCardholder\nCardholder\nAgreement\nAgreement\nfor more\nfor details.\nmore details.\non your\non rights\nyour rights\nto dispute\nto dispute\ntransactions\ntransactions\nand how\nand to\nhow\nexercise\nto exercise\nthose those\nrights rights\nis provided\nis provided\nin your\nin your\nBillingBilling\nRights:Rights:\nInformation\nInformation\nCardholder\nCardholder\nAgreement.\nAgreement.\n\n\x0c'


b'F03-X183-8\n\nSTATE FARM BANK\xc2\xae\nCREDIT CARD AGREEMENT AND\nDISCLOSURE STATEMENT\nThis document and the table of Account-Opening\nDisclosures and other information printed on the card\ncarrier that accompanies this document make up your\ncredit card agreement with State Farm Bank. They are\nreferred to together throughout this document as the\nAgreement. They contain important terms and disclosures\nregarding your credit card account. Please read them\ncarefully and keep them for future reference. You will be\nbound by the terms of the Agreement unless you cancel\nyour account within 30 days after you receive your credit\ncard and before you or someone you have authorized uses\nyour credit card or credit card account.\nThe Parties to this Agreement\nIn this Credit Card Agreement and Account Disclosures (this \xe2\x80\x9cAgreement\xe2\x80\x9d),\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who requests that we\nestablish a credit card account (the \xe2\x80\x9cAccount\xe2\x80\x9d) and issue a Visa\xc2\xae credit\ncard (a \xe2\x80\x9cCard\xe2\x80\x9d) to that person or for use by another person. If two or more\npersons request that we issue credit cards on the same card Account,\nthe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and either of those persons,\nindividually, and also all of those persons, jointly and severally. The words\n\xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cState Farm Bank\xe2\x80\x9d mean State Farm Bank, F.S.B.,\na federal savings bank located in Bloomington, Illinois. Definitions of\nadditional terms are contained in other paragraphs of this Agreement.\nYour Acceptance of the Terms of this Agreement\nIf you apply for a Card from us, or use a Card we issue to you, or use\nthe account number associated with the Card, or if another person uses\nthe Card or account number with your authorization, you will be deemed\nto have accepted and agreed to all of the terms and conditions of this\nAgreement.\nIf you do not wish to be bound by the terms and conditions of this\nAgreement, do not use the Card or authorize another person to use it.\nInstead, cut all of the Cards in two and return them to us within 30 days\nafter you receive them.\nHow to Use Your Card\nSubject to the terms of this Agreement, we will make loans to you at our\noffices in Bloomington, Illinois when you use your Card (which term as\nused in this Agreement includes use of the account number associated\nwith your Card) as follows:\n(a) Purchases. You may use your Card to purchase or lease goods\nor services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from merchants who honor Visa credit\ncards. Quasi-cash transactions, described below, are deemed to be\nCash Advances and not Purchases.\n(b) Cash Advances.\n(1) You may use your Card to obtain a Cash Advance at most banks\nthat display the Visa logo.\n(2) You may use your Card, in conjunction with the personal\nidentification number (\xe2\x80\x9cPIN\xe2\x80\x9d) we will issue to you, to obtain a\nCash Advance at automated teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d) that bear\nthe Plus\xc2\xae logo. The operator of the ATM may add a surcharge\nto the amount of the Cash Advance you request. If so, the\nsurcharge will be part of the Cash Advance charged to your\nAccount.\n(3) You may use your Card to establish overdraft protection on a\nchecking account if permitted by your financial institution. You\nobtain a Cash Advance each time your Card is used to fund\nsuch an overdraft.\n(4) We may send you blank forms of convenience checks or cash\nadvance checks (\xe2\x80\x9cConvenience Checks\xe2\x80\x9d or \xe2\x80\x9cChecks\xe2\x80\x9d) from\ntime to time. If we do, you may use a Check to obtain a Cash\nAdvance by signing and completing the Check in accordance\nwith the terms on the Check and any written materials that\naccompany it. You obtain a Cash Advance each time you use a\nCheck and we pay it when it is presented to us, including when\nyou use a Check to purchase or lease goods or services.\n(5) You may obtain a Cash Advance when you use your Card\nfor items that are convertible to cash or similar cash-like\ntransactions that we may designate from time to time, including\nwire transfer money orders, other money orders, travelers\nchecks, or foreign currency or tax payments (so-called \xe2\x80\x9cquasicash\xe2\x80\x9d transactions). However, your Card may not be used to\nobtain, and we will not honor requests for, a Cash Advance in\nthe form of casino chips, bets or wagers, gaming transactions\n(including Internet gambling), lottery tickets or the like.\n(6) Certain establishments may cash your personal checks upon\npresentment of your Card. In the event we are required to pay the\namount of a check cashed in this manner because your check is\nnot paid for any reason, we may charge your Account for a Cash\nAdvance in the amount of the check and any processing charge\nwe incur.\n(c) Balance Transfers. You may use your Account to transfer balances\nfrom other accounts to your Account with us (a \xe2\x80\x9cBalance Transfer\xe2\x80\x9d).\nYou may request a balance transfer by completing the balance\ntransfer portion of the credit application, by completing and returning\nto us one of the balance transfer requests forms we may send you\nfrom time to time, by writing a Balance Transfer check we may\nsend you or by writing or telephoning us. When you request a\nbalance transfer, we will write our check or transfer funds to your\nother creditor. The amount of our check or funds transfer will be\nthe amount of your Balance Transfer. Balance Transfers are treated\nas Purchases rather than Cash Advances for most purposes under\nthis Agreement. However, interest charges may begin to accrue as\nof the date a balance transfer is posted to your Account. Balance\nTransfer transactions will not be processed if made payable to cash,\nto you, to any individual, to a deposit account, or to a State Farm\nBank credit card account. If such a Balance Transfer is processed,\nState Farm Bank reserves the right to convert the transaction to a\nCash Advance.\nCredit Limit\nWe will establish a credit limit for your Account from time to time. Your\ninitial credit limit is shown on the card carrier. Your current credit limit will\nbe shown on each monthly statement of your Account. The total amount\nof credit outstanding on your Account at any time must not be more\nthan your then current credit limit. We may also establish at any time a\nseparate credit limit (as a sub-limit within the overall credit limit for your\nAccount) for Cash Advances. If we do, your outstanding Cash Advances\nbalance of your Account must not exceed the Cash Advances credit limit\nat any time. We may set similar separate sub-limits for other portions of\nyour Account balance. We may change your credit limit or sub-limits from\ntime to time. We will attempt to notify you if we do, but the change may\nbe effective before you receive notice.\nExceeding Your Credit Limit\nIf you request credit in any form which, if granted, would cause either\nyour total outstanding balance or your Cash Advances balance or other\napplicable sub-limit (including, in either case, transactions authorized but\nnot yet posted to your Account) to exceed your credit limit, your Cash\nAdvances credit limit, or any other credit sub-limit we establish for your\nAccount, whether or not those balances were more than the respective\ncredit limits before the request, we may, refuse to honor the request or in\nour sole discretion, we may honor the request and extend the credit. If we\nextend the credit, you will not be charged an over-the-credit limit fee, and\nyou agree to repay the credit and the interest and other charges on it as\npart of the balance of your Account in accordance with the terms of this\nAgreement. We may extend credit that exceeds any credit limit applicable\nto your Account on one or more occasions without waiving our rights. If\nwe previously honored requests for credit in excess of your credit limit,\nthat does not mean we will or must honor further over-limit requests. If\nwe refuse to honor a Check or Balance Transfer request, we may advise\nthe person presenting the Check or Balance Transfer that credit has been\nrefused or that there are insufficient funds to pay the Check or Balance\nTransfer.\nInterest Charges\nWhen Interest Begins to Accrue:\n(a) Interest on Purchases. Except as provided in paragraph (b) below,\ninterest on each Purchase (including a Balance Transfer) will accrue\ndaily from and including the transaction date until the date each\nPurchase is completely repaid according to the payment allocation\nmethod then in effect. If the transaction date was in an earlier billing\ncycle than the posting date, interest will accrue from and including\nthe first day of the billing cycle in which the transaction was posted.\n(b) How to Avoid Paying Interest on Purchases. You can avoid paying\ninterest on Purchase (other than Balance Transfers) posted to\nyour Account if you pay the entire New Balance of your Account\neach month not later than the Payment Due Date shown on your\nAccount statement. If any portion of the balance of your Account\nis subject to an introductory or promotional rate, to avoid paying\ninterest on Purchases (other than Balance Transfers) posted to your\nAccount during the billing cycle you must pay the entire New Balance\n(including any part of the balance that is subject to the introductory\nor promotional rate) shown on the statement of your Account for\nthat billing cycle by the Payment Due Date shown on the statement.\nIf you fail to pay the entire New Balance of your Account before the\nPayment Due Date in any month, you can again avoid paying interest\non Purchase (other than Balance Transfers) in the manner described\nabove after you have paid the entire New Balance of your Account by\nthe Payment Due Date for two consecutive months.\n(c) Interest on Cash Advances. Interest on each Cash Advance will\naccrue daily from and including the transaction date until the date\neach Cash Advance is completely repaid according to the payment\nallocation method then in effect. The transaction date for Cash\nAdvances obtained by a Check is the date we process the Check.\n(d) Interest that Accrues Prior to Payment in Full. Interest accrues on\nthe unpaid balance of your Account as described above until the date\nthe balance is paid in full, except to the extent paragraph (b) above\napplies to Purchases posted to your Account. If you pay the entire\nNew Balance shown on the monthly statement of your Account by\nthe Payment Due Date, you will receive a statement the following\nmonth for interest that accrued from the closing date of the previous\nbilling cycle until the date your payment in full was posted to your\nAccount, even if no new transactions are posted to your Account\nafter the closing date of the previous billing cycle. To minimize the\namount of this interest, pay the New Balance in full immediately upon\nreceipt of your monthly statement.\nPeriodic Rates and Annual Percentage Rates of the Interest Charge:\nThe periodic rates we use to compute interest on your Account and the\ncorresponding annual percentage rates are described below:\n(a) Rate of Interest Charge on Purchases. The daily periodic rate we\nuse to compute the interest on all Purchases balances (including\n\nBalance Transfers) is a variable rate which is the sum of the Prime\nRate plus a margin expressed as a percentage, divided by 365,\nexcept as otherwise provided below for certain introductory rates\nand certain promotional rates.\n(1) Introductory Rate. The daily periodic rate we use to compute\ninterest on all Purchases or Balance Transfer offers is the\nintroductory rate shown on the card carrier. The corresponding\nannual percentage rate is shown on the Account-Opening\nDisclosures on the card carrier. If you abide by the terms of this\nAgreement, the introductory rate will apply for the period of time\nshown on the card carrier and at the end of the introductory\nrate period the Preferred Pricing rate for Purchases will apply\nto the remaining introductory Purchase or Balance Transfer\nbalances on your Account. If there is no space for disclosure\nof an introductory rate on the card carrier or if a space for an\nintroductory rate is shown on the card carrier and is completed\nwith \xe2\x80\x9cN/A\xe2\x80\x9d or is blank, an introductory rate does not apply on\nyour Account.\n(2) Preferred Pricing. The Preferred Pricing daily periodic rate\nwe use to compute interest on Purchases (including Balance\nTransfers other than Balance Transfers that are subject to any\napplicable introductory rate) is a variable rate equal to the sum\nof the Prime Rate plus the margin shown on the card carrier\ndivided by 365. The current Preferred Pricing daily periodic rate\nof interest on Purchases (including Balance Transfers) is shown\non your card carrier and the corresponding annual percentage\nrate of interest is shown in the Account-Opening Disclosures on\nthe card carrier.\n(3) Promotional Rates. From time to time we may offer you certain\npromotional interest rates for certain types of transactions\nor certain parts of your Account balance. If you qualify for\nand accept the offer, the daily periodic interest rate of the\npromotional rate and the corresponding annual percentage\nrate will apply to the balance or portion of the balance of your\nAccount in accordance with the terms of the promotional rate\noffer. At the end of the promotional rate period, Preferred Pricing\nfor Purchases will apply to your Account.\n(b) Rates of Interest on Cash Advances. The daily periodic rate we\nuse to compute the interest on all Cash Advances is a variable rate\nwhich is the sum of the Prime Rate plus a margin expressed as a\npercentage, divided by 365.\n(1) Preferred Pricing. The daily periodic rate we use to compute\nthe interest on Cash Advances balances is a variable rate equal\nto the sum of the Prime Rate plus the margin shown on the\ncard carrier divided by 365. The current Preferred Pricing daily\nperiodic rate of interest on Cash Advances is shown on the\ncard carrier, and the corresponding annual percentage rate of\ninterest is shown in the Account-Opening Disclosures on the\ncard carrier.\n(c) Variable Rates of the Interest: The Interest rates under\nsubparagraphs (a) and (b) above, other than any applicable\nintroductory rate on balance transfers or Purchases are variable\nrates based on the Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d table\nin The Wall Street Journal. The interest rates and the corresponding\nannual percentage rates of interest charged under this Agreement\nmay increase if the Prime Rate increases. The effect of an increase\nin the Prime Rate will be an increase in the amount of the Minimum\nPayment due under this Agreement. We will calculate the interest\nrates applicable to your Account every month based on the Prime\nRate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d table in The Wall Street Journal\nas of your statement closing date for the billing cycle. If two or\nmore Prime Rates are published on that day, the highest of those\nrates will be used to calculate the rates of the interest under this\nAgreement. If your statement closing date is a day on which The\nWall Street Journal was not published, the previous business day\non which The Wall Street Journal was published will be used. If\nThe Wall Street Journal ceases publication, or no longer publishes\nthe prime rate, or changes the manner by which its prime rate is\ndetermined, we may select another comparable index of short-term\ninterest rates to be the \xe2\x80\x9cPrime Rate\xe2\x80\x9d under this Agreement. The new\nannual percentage rates, and the new daily periodic interest rates\ncalculated by dividing the new annual percentage rates by 365, will\napply to your Account beginning as of the first day of the billing\ncycle of your Account during which the new annual percentage\nrates and the corresponding daily periodic rates were calculated,\nand will continue to apply until new annual percentage rates and the\ncorresponding daily periodic rates are calculated and have become\neffective in the manner described in this paragraph. The new annual\npercentage rates and the corresponding new daily periodic interest\nrates will apply retroactively to the first day of the billing cycle, and\ntransactions that occurred during the billing cycle both prior to and\nafter the date the new annual percentage rates were calculated will\nbe subject to the new annual percentage rates and the corresponding\nnew daily periodic interest rates for the entire billing cycle.\nCalculating the Balances to which the Periodic Interest Rates\nAre Applied: We calculate an \xe2\x80\x9caverage daily balance\xe2\x80\x9d separately for\nPurchases (including Balance Transfer, but excluding any introductory\nperiod Balance Transfers), Cash Advances, any introductory period\nBalance Transfers then in effect, and any special rate offers then in effect.\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account we take the beginning\nbalance of your Account each day for each of these types of transactions,\nadd any new Purchases (including Balance Transfers, but excluding\nany introductory period Balance Transfers and introductory period\nPurchases), Cash Advances, introductory period Balance Transfers and\nother special rate offers (as applicable), and subtract any payments\nand other credits applied to that type of transaction under the payment\nallocation method then in effect. This gives us the daily balance for each\nof these types of transactions. (Credit balances are treated as zero for\npurposes of calculating the daily balances.) Then, we add all of the daily\nbalances for the billing cycle for each of these types of transactions and\ndivide the respective totals by the number of days in the billing cycle. This\ngives us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for your Account for each of these\ntypes of transactions.\nCalculating Interest and Other Finance Charges; Minimum Interest\nCharge: We figure the interest on Purchases (including Balance Transfers)\nand Cash Advances charged to your Account by multiplying each of the\n\xe2\x80\x9caverage daily balances\xe2\x80\x9d of your Account by the applicable daily periodic\nrate of interest and then by the number of days in the billing cycle, and\nby adding the resulting products together. We then add any transaction\nfee finance charges, each calculated as provided below. If the amount of\nfinance charge calculated as described above is more than zero but less\nthan $1.50, a minimum monthly finance charge of $1.50 will be charged\nto your Account. We may, at our election, waive the finance charge on\nsmall Account balances.\nFinance Charges\n(a) Cash Advance Fee: If you use your Card or a Check (Convenience\nCheck) to obtain a Cash Advance, we will charge your Account a\nCash Advance fee equal to 5% of the U.S. dollar amount of the Cash\nAdvance, subject to a minimum fee of $10 for each Cash Advance.\n(b) Balance Transfer Fee: If you make a Balance Transfer to your\nAccount, we will charge your Account a Balance Transfer fee equal\nto 3% of the U.S. dollar amount of the Balance Transfer transaction,\nsubject to a minimum fee of $10.\n(c) International Transaction Fee: If you use your Card to make\nan international transaction, we will charge your Account an\nInternational Transaction fee equal to 3% of the U.S. dollar amount\nof the transaction. An international transaction is defined as any\ntransaction that was acquired in any country other than the United\nStates.\nPenalty Charges:\nThe following fees will be charged to your Account as a Purchase in the\nbilling cycle in which the event occurs:\n(a) a Late Payment Fee if we do not receive payment in an amount at\nleast equal to the Minimum Payment due shown on the monthly\nstatement of your Account by the Payment Due Date shown on the\nstatement. The amount of the Late Payment Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\n(b) a Returned Payment Fee if a check or draft you send us as a payment\non your Account is returned for insufficient funds or for any other\nreason. The amount of the Returned Payment Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\n(c) a Returned Check Fee if we return a Check unpaid for any reason.\nThe amount of the Returned Check Fee will be:\n(i) an amount equal to your minimum Payment Due if your\nminimum Payment Due is less than $27; or\n(ii) $27 if your Minimum Payment Due is $27 or more.\nHowever, the amount of the Late Payment Fee, Returned Payment Fee,\nand Returned Check Fee will be $38 if you also incurred the same fee\non your Account within the immediately preceding six billing cycles of\nyour Account.\nOther Charges:\nThe following fees will be charged to your Account as a Purchase in the\nbilling cycle in which the event occurs:\n(a) a monthly fee as disclosed in the State Farm Bank Credit Protection\nProgram Terms and Conditions if you have elected to purchase an\noptional plan;\n(b) a Statement Reprint Fee of $5 for each copy of a monthly statement;\n(c) a $15 per hour (with a $10 minimum) Account Research Fee for\naccount research incurred in servicing your account at your request;\nand\n(d) Unless prohibited by applicable law, the amount of any costs we\nincur in complying with state abandoned or unclaimed property laws\nwith regard to your Account.\nRepayment; Minimum Payment Due Each Month\nYou promise to pay us the amounts of all credit you obtain through the\nuse of your Card (including all Purchases, Balance Transfers and Cash\nAdvances), all transaction fees and other charges we assess against your\nAccount and all interest and other finance charges as provided in this\nAgreement. You agree to make your payments in the amounts and at the\ntimes provided in this Agreement. Time is of the essence.\nWe will provide a statement of your Account at approximately monthly\nintervals if there has been activity on your Account, a finance charge is\nassessed during the preceding month, or there is a balance (credit or\ndebit) in your Account exceeding $1, unless we deem your Account to\nbe uncollectible, or we have instituted delinquency collection procedures,\nor we have charged off the Account, or furnishing the statement would\n. . . CONTINUED ON REVERSE SIDE\n\n\x0cviolate federal law. You may pay any amount up to the entire unpaid\nbalance (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) of your Account at any time. You agree\nto pay each month at least the amount of the Minimum Payment Due\nshown on your monthly statement by the Payment Due date shown on\nthe statement. The monthly Minimum Payment Due is 1% of the New\nBalance (less interest charges and Late Fees and rounded to the nearest\n$5.00) + Interest Charges + Late Fees + any Past Due Amounts or\n$25, whichever is the greater (or your entire New Balance if less than\n$25). The Payment Due Date will be at least 24 days after the Closing\nDate. If you overpay, or if a credit balance is otherwise created in your\nAccount, we will not pay interest on that amount. We reserve the right to\nreject or return any payment if it would create a, or add to an existing,\ncredit balance as of the day we receive that payment. Your payments are\nnot deemed to be received until they are posted to your Account. See\nthe monthly statement of your Account for details on timely posting of\npayments. Mail your payment, accompanied by the payment remittance\nstub, using the envelope enclosed with your monthly statement or to\nthe payment address provided on the monthly statement. Or make your\npayment online by going to statefarm.com. The crediting of payments\nsent to any location other than the payment address or received in any\nother manner may be delayed. Do not send correspondence of any\ntype to the payment address. When you provide a check as payment,\nyou authorize us either to use information from your check to make a\none-time electronic fund transfer from your Account or to process the\npayment as a check transaction. When we use information from your\ncheck to make an electronic fund transfer, the funds may be withdrawn\nfrom your account on which the check is drawn as soon as the same day\nwe receive your payment and you will not receive your check back from\nyour financial institution. For inquiries about your account, please call\nus toll-free at 877-SF4-VISA (877-734-8472) or write us at PO Box 87,\nDeposit, New York 13754-0087.\nYour payments will be allocated among the charges on your Account\nin any manner we determine that is consistent with the requirements\nof applicable law, without regard to any contrary instructions from\nyou. If different annual percentage rates apply to different balances of\nyour Account, we will allocate any amount you pay in excess of the\nrequired Minimum Payment Due first to the balance with the highest\nannual percentage rate and any remaining portion to the other balances\nin descending order based on the applicable annual percentage rate\nin a manner that complies with applicable regulations and regulatory\nguidance. Even though your payment may be credited to your Account\nin the billing cycle in which the payment is received, your available credit\nmay not be increased by the amount of the payment until your payment\nhas cleared.\nIf you pay more than the Minimum Payment you will not thereby prepay or\npostpone the due date of payments in the following months and you will\ncontinue to be obligated to make the Minimum Payment amount (if any)\nshown on your monthly statements in succeeding months.\nPayments must be made in U.S. dollars, and we may refuse to accept\nchecks not denominated in U.S. dollars. You agree not to use a State Farm\nBank Balance Transfer, Convenience Check, or the proceeds of a Cash\nAdvance to make any payment on your Account.\nOur Right to Require Immediate Payment\nSubject to our giving any notice required by law and to any other\nlimitations imposed by law, you will be in default and, at our election, we\ncan require you; to pay immediately all amounts you owe us under this\nAgreement without notice or demand if (1) you fail to pay any amount\nyou owe under this Agreement exactly when due; or (2) your Account\nbalance exceeds your credit limit, or if we have established a separate\nCash Advances credit limit or other credit sub-limit for your Account,\nyour Cash Advances balance exceeds your Cash Advances credit limit or\nyou exceed any other credit sub-limit of your Account; or (3) you fail to\nabide by any other term of this Agreement; or (4) your ability to pay us is\nmaterially impaired (including, without limitation, if you file or have filed\nagainst you as debtor a proceeding under any chapter of the Bankruptcy\nCode); or (5) you die or become incapacitated; or (6) you are in default\non any other credit account or loan you have with us.\nCollection Costs\nIf you are in default, unless prohibited by applicable law, you agree to pay\nus or reimburse us for all costs and disbursements, including reasonable\nattorney\xe2\x80\x99s fees, we pay or incur in legal proceedings (including\nbankruptcy proceedings) to collect or enforce the debt you owe under\nthis Agreement.\nTransactions Made in Foreign Currencies\nIf a transaction is made in a foreign currency, we and Visa International\nwill convert the transaction into a U.S. dollar amount. Visa will act in\naccordance with their operating regulations or conversion procedures in\neffect at the time the transaction is processed and may use (i) a rate\nselected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (ii) the government-mandated rate in\neffect for the applicable central processing date, in each instance plus or\nminus any adjustment determined by Visa or us. The currency conversion\nrate calculated in this matter that is in effect on the processing date may\ndiffer from the rate in effect on the transaction date or the posting date.\nWhen any transaction must be converted back into a foreign currency\nbecause of a refund or other reversed transaction, the same currency\nconversion formula will apply.\nBilling Cycles of Your Account\nEach billing cycle of your Account begins on the day after the closing date\nshown on the preceding monthly statement of your Account and ends on\nthe closing date shown on the monthly statement of your Account for the\ncurrent month. A billing cycle occurs even if you do not receive a monthly\nstatement of your Account as otherwise provided in this Agreement.\nAuthorized Use of Your Card by Others\nIf you permit any person to have access to your card or Account number\nwith the authorization to make a charge, or if you request us to issue a\nCard on your Account to another person, you will be liable for all charges\nmade by that person, including charges you may not have intended that\nperson to make.\nSpecial Provisions Regarding Checks\nYou may stop payment on an unpaid Check by providing us with the\ncheck number, dollar amount, and payee exactly as they appear on the\nCheck. A stop payment request expires six months after the date we\naccept your stop payment order unless you renew it in writing within two\nweeks prior to the expiration date.\nIf you post-date a Check, we may honor the Check immediately upon\npresentment or return it unpaid, at our election, without in either case\nwaiting until the date shown on the Check. We are not liable to you for any\nloss or expense incurred by you arising out of the action we elect to take.\nYou may not use a Check or any other Cash Advance to make a payment\nunder this Agreement or any other credit account you may have with us.\nCertain Limitations on Use of Your Card\nYour Account is a consumer credit account. You must not use your\nAccount primarily for business or commercial purposes, the purchase\nof securities or commodities, any unlawful purpose or in any illegal\ntransaction.\nRefusal to Honor Your Card; Refused Authorizations\nWe will not be liable if any other bank, any ATM, or any seller or lessor\nof goods or services refuses to honor your Card or retains your Card\nwhen you attempt to use it. Even though you have available credit on your\nAccount, we may fail or decline to authorize a particular transaction due\nto operational difficulties or, at our discretion, for other reasons we deem\nto be appropriate.\nGaming and Wagering Transactions\nThe State Farm Bank credit card is not to be used for any gaming or\nwagering transactions, including transactions for casino chips, bets,\nwagers, Internet gambling or any other gaming or wagering transaction.\nState Farm Bank will decline transactions for casino chips, bets, wagers,\nInternet gambling or any other gaming or wagering transaction.\nSuspension or Termination of Your Account\nWe may suspend or terminate your right to obtain additional credit at any\ntime, subject only to any limitations under federal law or to the extent\nfederal law does not preempt state laws, under the laws of the State of\nIllinois. All Cards we issue to you or at your request remain our property,\nand you agree to return all such Cards to us at our request. You may\nterminate your right to obtain additional credit at any time by cutting all\nunexpired Cards outstanding on your Account in two and returning them\nto us. Your obligations under this Agreement continue unchanged after\nyour right to obtain credit has been suspended or terminated by you or\nby us.\nObligation of Multiple Cardholders\nAll joint accountholders are individually and jointly responsible for paying\nthe entire outstanding balance on the Account. If two or more persons are\nresponsible for paying any outstanding balance, we may refuse to release\nany of them from liability until all of the unexpired Cards outstanding\non the Account have been returned to us and the Account balance is\npaid in full. The obligations of the other obligated persons will not be\naffected by the release or discharge of one or more of the persons who\nare responsible for paying all or any part of the Account.\nAmendments; Replacement Cards\nSubject to our giving any notice required by law and to any other\nlimitations imposed by law, we may amend this Agreement at any time to\nchange, add, or delete provisions upon such notice to you and subject to\nsuch limitations as are required and imposed under applicable provisions\nof federal law or to the extent federal law is not controlling, the laws of\nthe State of Illinois. If a longer minimum notice period is not specified\nby applicable federal or Illinois law for the amendments we propose to\nmake, we may amend this Agreement upon not less than 15 days notice\nto you. Unless otherwise provided by law, any notice of changed terms\nmay be included on or with the monthly statement of your Account and,\nthe notice period will begin to run when we mail or deliver the notice to\nyou. If a notice of an amendment gives you the opportunity to reject the\namendment, and if you reject the amendment in the manner provided\nin the notice, we may terminate your right to receive additional credit\nand may require you to return all credit devices as a condition of your\nrejection of the amendment. If the amendment so provides, and subject\nto the requirements of applicable law, the amended Agreement (including\nany increased rate or amount of interest or other finance charge and other\nincreased charges and fees) will apply to both existing and new balances\nof your Account, including, subject to the provisions of the notice of\nchange in terms, all Purchases, Cash Advances and Balance Transfers\nafter the effective date of the amendment. Any letter, payment instrument\nor other communication you direct to us with the intent to amend this\nAgreement must be sent to us in writing at: State Farm Bank, PO Box\n2326, Bloomington, Illinois 61702-2326. If any such payment instrument\nis received at any other address, we may accept the payment instrument,\nwhich will not constitute consideration, and no amendment to the\nAgreement shall have been effected. This Agreement may be amended\nonly by a writing originated by us and sent to you or a written amendment\nsigned by one of our authorized representatives.\n\nWe may replace your Card with another credit card at any time.\nCommunications Concerning Disputed Debts\nAny payment instrument you send us for less than the full balance due\nthat is marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or similar notation, or that you otherwise\ntender in full satisfaction of a disputed amount, must be sent to State\nFarm Bank, PO Box 2326, Bloomington, Illinois 61702-2326. We reserve\nall our rights regarding such instruments. For example, if it is determined\nthere is no valid dispute or if any such instrument is received at any\nother address, we may accept the instrument and you will still owe any\nremaining balance. Or, we may refuse to accept any such instrument\nby returning it to you, not cashing it, or destroying it. Satisfaction of\nyour debt for less than the full amount due requires a written agreement,\nsigned by one of our authorized representatives.\nChange of Name or Mailing Address\nYou must notify us immediately of any change of your name or mailing\naddress from that shown on your latest monthly statement. The back of\nyour monthly statement contains a form you may use for this purpose.\nAssignment\nWe may at any time, and without notice to you, assign your Account, any\nsums due on your Account, this Agreement, and our rights or obligations\nunder your Account and this Agreement to any person or entity. The\nperson or entity to whom we make any such assignment shall be entitled\nto all of our rights under this Agreement, to the extent assigned. You may\nnot assign your rights under this Agreement.\nUnauthorized Use of Your Account\nIf you notice the loss or theft of your credit card or a possible unauthorized\nuse of your card, you should write to us immediately at: State Farm Bank,\nP.O. Box 94, Deposit, New York 13754-0094, or call us at 877-734-8472.\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before\nyour notice to us. In any case, your liability will not exceed $50.\nPlease sign your Card immediately after you receive it. Please safeguard\nyour Card like you would if it were cash. Do not disclose your PIN to\nanyone else.\nMonitoring Telephone Conversations\nYou consent to and authorize us, any of our affiliates, and our marketing\nassociates to monitor and/or record (unless prohibited by law) any of your\ntelephone conversations with our representatives or the representatives\nof any of such companies.\nInformation Gathering and Sharing\nPlease refer to the State Farm\xc2\xae \xe2\x80\x9cNotice of Privacy Policy\xe2\x80\x9d for our\npolicies on collecting, using, securing, and sharing nonpublic personal\ninformation. Additional copies of our \xe2\x80\x9cNotice of Privacy Policy\xe2\x80\x9d are\navailable by calling us toll-free at 877-SF4-BANK (877-734-2265), on\nour website (statefarm.com\xc2\xae), or from your local State Farm agent.\nCREDIT REPORTING: State Farm Bank may report information about your\naccount to credit bureaus, including negative information. Late payments,\nmissed payments, or other defaults on your account may be reflected in\nyour credit report. You authorize State Farm Bank to obtain consumer\nreports about you until the balance is paid in full and the account is\nclosed.\nDISPUTING ACCOUNT INFORMATION REPORTED TO CREDIT\nBUREAUS: We furnish information about your account to credit bureaus.\nYou have the right to dispute the accuracy of the information reported by\nwriting to us at: State Farm Bank, F.S.B., ATTN: Credit Reporting, P.O. Box\n2313, Bloomington, IL 61702-2313.\nGoverning Law\nThis Agreement, including, without limitation, the interest to be charged,\nis governed by Federal law and to the extent Federal law is not controlling,\nby the laws of the State of Illinois without regard to its conflict of laws\nprinciples.\nSeverability; No Waivers\nIf any part of this Agreement is found to be invalid, the rest remains\neffective. Any failure or delay by us in exercising any of our rights or\nremedies under this Agreement or under applicable law does not mean\nthat we will not be permitted to exercise those rights or remedies later. We\nmay accept late payments or partial payments without losing any of our\nrights or remedies. You have not waived under this Agreement any of your\nrights or our duties under the Illinois Financial Services Development Act.\nTransactions with Merchants\nReturn Policy. If a merchant discloses a policy such as \xe2\x80\x9cno returns\xe2\x80\x9d,\n\xe2\x80\x9cno refund\xe2\x80\x9d, \xe2\x80\x9cno return or credit without receipt\xe2\x80\x9d, \xe2\x80\x9cas is\xe2\x80\x9d, \xe2\x80\x9cstore credit\nonly\xe2\x80\x9d, or \xe2\x80\x9call sales final\xe2\x80\x9d, you will be bound by that policy when you\nuse your Card or Account to buy goods or services from that merchant.\nReservations. When using your Account to make travel or lodging\nreservations, obtain the merchant\xe2\x80\x99s cancellation policy and follow it if\nyou cancel. If you cancel, obtain the merchant\xe2\x80\x99s cancellation number that\nit is required to give you. The merchant may charge you for a cancelled\ntransaction unless you can provide us with the merchant\xe2\x80\x99s cancellation\nnumber. Recurring Transactions. If you authorize a merchant to charge\nyour Account for repeat transactions with your Card, you must notify\nthe merchant when you want to discontinue the repeat transactions or\nif your Account is closed or a new Account number is issued by us.\nDispute Assistance. If you disagree with a transaction on your statement\nor have a dispute with the merchant as a result of the transaction, you\nwill provide information or assistance we reasonably request to permit\nus to investigate the transaction. Otherwise, you will pay us for any\nresulting loss we have (up to the amount of the transaction) unless we are\nprohibited by applicable law from holding you liable for our loss. \xe2\x80\x9cYour\nBilling Rights\xe2\x80\x9d controls. If any provision of this paragraph conflicts with\nany part of the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section below that is applicable to\nthe particular transaction, the terms of the \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section\nwill control.\nYOUR BILLING RIGHTS\nKeep this document for future use.\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement.\nIf you think there is an error on your statement, write to us at: State Farm\nBank, PO Box 1420, Deposit, New York 13754-1420.\nIn your letter, give us the following information:\n(1) Account information: Your name and Account number.\n(2) Dollar Amount: The dollar amount of the suspected error.\n(3) Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but\nif you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n(1) Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n(2) Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date that it is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\nare questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the purchase.\nTo use this right, all of the following must be true:\n(1) The purchase must have been made in your home state or, within 100\nmiles of your current mailing address; and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n(2) You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at: State Farm Bank, PO Box 1420,\nDeposit, New York 13754-1420.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nNotice for Married Wisconsin Residents. No provision of any marital\nproperty agreement, unilateral statement, or court order applying to\nmarital property will adversely affect State Farm Bank interests unless\nprior to the time credit is granted, State Farm Bank is furnished with a\ncopy of the agreement, statement or court order, or State Farm Bank has\nactual notice of the provision. Married Wisconsin residents must furnish\nthe name and address of their spouse to State Farm Bank at PO Box 87,\nDeposit, New York 13754-0087.\nF03-X183-8\n\n\x0c'