b'CREDIT CARD AGREEMENT\nF03-Y754-7\nIntroduction\nYOUR CARDHOLDER AGREEMENT\nThis document, together with your Rates and Fees Table, and any amendments make up the\ncontract between you, the cardmember, and Citizens Bank, N.A. Any special offers related\nto your Account are subject to this Agreement, unless explained otherwise. We will refer\nto this document as your \xe2\x80\x9cAgreement.\xe2\x80\x9d THIS AGREEMENT CONTAINS AN ARBITRATION\nPROVISION INCLUDING A NOTICE REGARDING THE RIGHT TO OPT OUT.\nACCEPTANCE OF YOUR AGREEMENT\nYour use of the Account or any payment on the Account indicates your acceptance of the\nterms of this Agreement.\nAny Cards or checks issued to you belong to us. You agree to sign each Card before you\nuse it. You agree to return your Cards and checks to us at any time, if we ask you. When you\npresent your Card, we, a merchant, or any other party acting on our behalf can retain your\nCard, without prior notice to you.\nCHANGES TO YOUR AGREEMENT\nWe may change the terms of this Agreement, including but not limited to Annual Percentage\nRate (APR) and fees, from time to time. We may also add new terms, delete terms, or\nchange any benefit, service, or feature on your Account. We may do this in response to the\nbusiness, legal or competitive environment. Our ability to make changes to this Agreement is\nlimited by applicable law. If required by applicable law, we will provide notice of the change\nto you before the effective date of the change. We will tell you in the notice if you have the\nright to reject the change.\nPROMISE TO PAY\nWe have agreed to lend you money as described in this Agreement, and you agree to pay\nus back together with interest charges and fees. This promise includes paying for charges\nyou make (even if you do not present your Card or sign the transaction), charges that other\npeople make if you let them use your Account, and charges that additional authorized users\nmake or permit others to make.\nREWARDS\nYour Account might provide you with the opportunity to earn rewards. If it does, we will\nseparately provide you with a Reward Guide containing information and terms about your\nrewards.\nWORDS USED IN THIS AGREEMENT\n\xe2\x80\x9cAccount\xe2\x80\x9d means the relationship established between you and us in this Agreement.\n\xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards that we issue to you or someone else with your\nauthorization under this Agreement.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d mean Citizens Bank, N.A., the issuer of your credit Card and the\ncreditor under this Agreement, or any subsequent holder of this Agreement.\n\n\x0c\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean anyone who\n\xe2\x80\xa2 applied for the Account (the \xe2\x80\x9cprimary cardmember\xe2\x80\x9d),\n\xe2\x80\xa2 uses or maintains the Account, or\n\xe2\x80\xa2 otherwise agrees to pay for the Account or be obligated under\nthis Agreement.\nUsing your account\nAUTHORIZED USERS\nIf you ask us to issue a Card on this Account to another person or if you allow any person\nto use your Account, he or she is an authorized user. You are responsible for any use of\nyour Account by an authorized user. Your Account does not permit you to limit the nature\nor amount of authority you give to any authorized user and you will not attempt to do so. An\nauthorized user\xe2\x80\x99s authority will continue until you (i) notify us that you are terminating the\nauthority and (ii) you physically retrieve any Card, checks and any other means of access to\nyour Card. Otherwise, you will remain liable for any transactions that we cannot prevent.\nEach authorized user\xe2\x80\x99s privilege ends automatically upon the death of all of the primary\ncardmembers. If any person uses the Card after the privilege ends, such use indicates his\nor her agreement to pay us, and we may, at our discretion, pursue the person for payment\nof any balance or charge resulting from his or her use of the Card. You agree to notify each\nauthorized user that he or she is subject to the terms of this Agreement.\nYOUR CREDIT LIMIT\nWe assign a total credit limit to your Account that we agree to extend to you at any one time.\nThe total credit limit will include a separate limit for cash advances. This information will be\nshown on your Account statement.\nYour available credit will be the amount of your total credit limit,\nminus the sum of:\n(i) the new balance, (ii) any purchases, balance transfers or cash advances which have been\nauthorized but not yet posted to your Account, and (iii) the amount of any payments that\nhave not yet cleared. We may change the amount of your total credit limit and the cash\nadvance limit without prior notice to you.\nYou agree not to exceed any part of your total credit limit. Even if we permit transactions that\nexceed any part of your total credit limit, you are responsible for those transactions. If we\nrefuse any such transaction, we may advise the person attempting the transaction that it has\nbeen refused and we are not responsible or liable for taking such action.\nPURCHASES\nYou can use your Card to buy or lease goods or services. Each of these transactions is a\npurchase. In addition, any credit life insurance charges, payment protection plan charges,\nAccount fees set forth below, and other fees that are charged to your Account (except cash\nadvance transaction fees) are treated as purchases and will be subject to the interest rate for\npurchases.\nBALANCE TRANSFERS\nWe may, at our sole option, allow you to pay an amount you owe on an account you have\nwith other creditors. This is called a balance transfer. We may pay the balance transfer\namounts you have authorized up to your total credit limit, unless otherwise limited by the\nterms of the balance transfer. Balance transfers may not be used to make payments on\naccounts issued or held by us or our affiliates.\nWhen you make a balance transfer, we will charge interest beginning on the transaction date,\nas described in more detail in the section Annual Percentage Rate and Interest. We will also\ncharge you a transaction fee as described in your Rates and Fees Table. The transaction fee\nwill accrue interest at the APR for purchases. Balance transfers and balance transfer\ntransaction fees may also be subject to promotional, special or additional terms. Such terms\n\n\x0cwill be included as part of your Agreement.\nCASH ADVANCES\nA Cash Advance means the use of your Account for a loan in the following ways:\n1) Obtaining cash from a financial institution or an ATM:\nYou can use your Card to obtain cash advances from any financial institution that accepts\nyour Card and processes the transaction. The minimum amount of any cash advance you\ncan obtain from a financial institution in one day is $20 and the maximum amount is $3,000\nor the available amount of your cash advance limit, whichever is less.\nYou can also use your Card and personal identification number (PIN) to get a cash advance\nfrom any automated teller machine (ATM) that accepts your Card. The total amount of cash\nadvances you can obtain from ATMs in one day is $500 or the available amount of your\ncash advance limit, whichever is less. We or the operators of ATMs may place additional\nlimitations and requirements on cash advances you may obtain from ATMs.\nAuthorization for cash advances over a certain dollar amount or number may be refused\nunder certain circumstances even though you have available cash. These restrictions may be\nfor security or other reasons, such as the ATM or other electronic authorization system not\nworking properly.\n2) Convenience Checks:\nA convenience check is any check we provide to you for accessing your account to obtain\ncredit. A convenience check transaction is a cash advance. Convenience checks may not be\nused to make payment on any account issued or held by us or our affiliates. Convenience\nchecks may be subject to promotional, special or additional terms, which are included as\npart of your Agreement.\nWe may pay the amount you have authorized up to your available credit limit, unless\notherwise changed by the terms of the offer. We reserve the right to put conditions on the\nuse of these checks and to reject, decline and return unpaid any check at our discretion. If\nwe decline a check, you may have to pay returned check fees or other penalties to whomever\nyou wrote the check. If you ask us to stop payment on a check, you will be charged a stop\npayment fee. If you transfer a balance using a convenience check, that transaction will be\ntreated like any other convenience check transaction, unless we tell you otherwise. We\ndo not certify or return these checks. Convenience checks may include an expiration date\nprinted on the check. We will honor checks received for payment before the expiration date\nprinted on the check, provided your account is open and in good standing, with available\ncredit.\n3) Purchasing a Cash Equivalent:\nYou may use your Card to enter into a cash equivalent transaction. This includes purchasing\ntravelers checks, savings bonds, foreign currency, money orders, wire transfers, lottery\ntickets, gift cards, gambling chips or wagers, or similar products or services as determined\nby us.\nWhen you obtain a cash advance we will charge interest beginning on the transaction date,\nas described in more detail in the section Annual Percentage Rate and Interest. We will also\ncharge you a transaction fee as described in your Rates and Fees Table. The transaction fee\nwill accrue interest at the APR for cash advances.\nFOREIGN TRANSACTION/CURRENCY CONVERSION\nIf a foreign transaction fee applies to your Account, we will charge you a fee for transactions\nthat are conducted in a currency other than U.S. Dollars. This includes, for example, online\nor phone purchases where the transaction is conducted in a currency other than U.S.\n\n\x0cDollars. This fee is calculated on the U.S. Dollar amount of the transaction. The transaction\nfee is an interest charge that will accrue interest at the APR for purchases.\nOur network providers (e.g., Mastercard) convert transactions in foreign currencies into\nU.S. dollars. The type of card you have determines who does the conversion. Each network\nprovider follows its own procedures, which it may change from time to time without notice\nto you at its discretion.\nThe exchange rate will be determined using either the range of rates available in the\nwholesale currency markets for the processing date or a government- mandated rate in\neffect on that date. The exchange rate used by our network providers may differ from the\nrate on the date of your transaction. You agree to accept and pay the U.S. Dollar amount\nconverted from a foreign currency as provided in this section. We will deduct the applicable\nfees from this amount. This means that the amount of the credit may be different from the\namount that was originally charged to your Account for the transaction.\nALLOWED USE\nYou agree to use your Account only for lawful purposes. You agree not to make or allow to\nbe made any transactions which are illegal under any state or federal law. We may decline to\napprove any transaction which we reasonably believe is illegal under any state or federal law.\nYour billing statement and making payments\nBILLING STATEMENTS\nWe will send you a billing statement each month that you have a credit or debit balance of\nmore than $1, when an interest charge has been imposed, or when there has been activity\nin your Account, unless we deem your Account uncollectible or delinquency collection\nproceedings have been instituted against you. In our discretion, we may choose to send you\na statement even if you do not have a credit or debit of $1 or more.\nYour statement will show the total amount that you owe us as of the end of the last billing\ncycle. It will also show the minimum payment you must make to us by the stated due date.\nNOTIFYING US IF YOU FIND A MISTAKE\nUnless you notify us in writing within 60 days of receipt, your billing statement will be\ndeemed to be correct.\nHOW TO MAKE A PAYMENT\nPayments may be mailed to the address shown on your billing statement. Payments\nmade by mail must be accompanied by the return portion of your statement. Payments\nmust be made in U.S. Dollars drawn on a federally-insured depository institution located\nin the U.S. You authorize us to collect any payment check either electronically or by\ndraft.\nIn addition to accepting payments by mail, we may permit you to make payments by\nelectronic means, including by telephone or Internet, subject to any terms we may\nimpose on these alternative methods of payment, including charging an expedited\nservice fee of which we will inform you at that time. Also, we may permit you to make\npayments in person at one of our branches.\nHOW WE CREDIT PAYMENTS\nPayments received at the address shown on your billing statement before 5:00 P.M. Eastern\nTime will be credited by us for that day. Payments received after this time will be credited\nfor the next business day. If your payment due date is on a day on which we do not receive\nmailed payments, a mailed payment received on the next business day will not be treated\nas late.\n\n\x0cIf you do not use one of the ways to make payments stated in this Agreement, the return\nportion of your statement is damaged and we are unable to identify your Account, or you\ndo not comply with the payment requirements stated on your statement, crediting of your\npayments may be delayed up to 5 days or your payment may be rejected.\nIf a payment is received in person at one of our branches before the actual time of closing\nof the branch at which the payment is made, it will be credited by us for that day.\nMINIMUM PAYMENT\nYou must pay at least the minimum payment due by the payment due date. You may pay\nthe entire amount you owe us at any time. The minimum payment due and payment due\ndate are shown on each billing statement. You also agree to pay amounts in excess of your\ncredit limit when billed to your monthly statements or sooner if we ask. If you do not pay\nthe minimum payment by the due date, we may charge you a late payment fee.\nHOW WE CALCULATE THE MINIMUM PAYMENT\nIf your new balance is $30 or less, your minimum payment will be the new balance.\nOtherwise, it will be the greater of (i) $30; or (ii) equal to the total billed Interest charges\n(excluding transaction fees for balance transfers, cash advances, foreign transactions, and\ncash equivalents), and any billed late payment fees and 1% of the new balance.\nAny amount past due and any amount over your total credit limit or cash advance limit\nmay be added to the minimum payment. Your minimum payment, exclusive of interest\ncharges, will be rounded to the nearest whole dollar. We may change your minimum\namount due including increasing your minimum amount due subject to applicable law.\nIf you exercise your right to cancel contained in a change-in-terms notification, we\nmay increase your minimum amount due. We may require (i) a method in which the\nminimum periodic payment includes a percentage of the outstanding balance that is\ntwice the percentage required before the increase or (ii) a method which incorporates an\namortization period of not less than 5 years. We may also choose a method that is no less\nbeneficial to you than the other two methods previously described.\nHOW PAYMENTS ARE APPLIED\nPayments less than or equal to the minimum amount due will be applied in any order\nthat we shall from time to time choose. Generally, payments less than or equal to the\nminimum amount due are applied to introductory, promotional or low rate balances\nbefore we apply payments to balances that are subject to standard or higher rates,\nregardless of when the transaction is made. Any amount of your payments that is\ngreater than the minimum amount due will be applied first to balances with the highest\nAPR, and then to each successive balance with the next highest APR, until the payment\nis exhausted.\nRESTRICTIVE ENDORSEMENTS\nAny conditional check, money order or any other instrument tendered with a restrictive\nendorsement or as a full satisfaction of a disputed debt must be sent to our address for\nbilling error notices shown on each statement and must conspicuously state on the face of\nthat payment or in an accompanying letter that it is tendered for this purpose. If you make\npayment in any other way and we accept it, we will not have waived our right to collect any\namount from you owed under this Agreement.\nAnnual percentage rate and interest\nABOUT YOUR ANNUAL PERCENTAGE RATES\nThe APR or \xe2\x80\x9cannual percentage rate\xe2\x80\x9d is an annualized interest rate. Different APRs apply\nto different balances (called transaction types) on your Account, such as the balances on\npurchases, balance transfers and cash advances.\n\n\x0cYour APRs may be either fixed or variable. Your Rates and Fees Table and your statement\ndisclose whether you have fixed or variable rates. If an APR is variable, it may vary monthly\nas the Index rate changes and will be reset on the first day of each billing cycle. The Index\nrate is described in your Rates and Fees table. If the Index increases, the variable APRs will\nincrease. Any increase in your APRs will apply to all unpaid purchases, balance transfers\nand cash advances (regardless of the transaction date), will increase the interest charge\nand may increase the minimum payment.\nHOW WE CALCULATE INTEREST\nIn General. We calculate the interest charge separately for each transaction type\n(purchases, balance transfers, and cash advances) as well as for any applicable\npromotional rate. This means that your Account may have separate balances for each\ntransaction type. The total interest charged for a billing cycle is the sum of the interest\ncharged for each balance.\nWe use the average daily balance (including new purchases) method, which means\nwe calculate a daily balance for each type of transaction and use the daily balances to\ndetermine your interest charges. According to this method, we calculate the interest charge\nfor each balance by\n\xe2\x80\xa2 applying the \xe2\x80\x9cdaily periodic rate\xe2\x80\x9d to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d and\n\xe2\x80\xa2 multiplying the result by the number of days in the billing cycle.\nWE CALCULATE ITS COMPONENTS IN THE FOLLOWING WAY:\nThe \xe2\x80\x9cdaily periodic rate\xe2\x80\x9d is a daily interest rate. The daily periodic rate for each transaction\ntype is equal to the APR for that transaction type divided by 365.\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each transaction type we add up the daily balances\nand then divide the result by the total number of days in the billing cycle. If any day\xe2\x80\x99s daily\nbalance is a credit balance, we will treat it as a balance equal to $0.00.\nWe calculate the \xe2\x80\x9cdaily balance\xe2\x80\x9d by\n\xe2\x80\xa2 taking the \xe2\x80\x9cbeginning balance\xe2\x80\x9d of the day,\n\xe2\x80\xa2 adding any new charges and applicable fees,\n\xe2\x80\xa2 except for the first day of the billing cycle, adding the amount of any interest equal to the\nprior day\xe2\x80\x99s daily balance multiplied by the daily periodic interest rate, and\n\xe2\x80\xa2 subtracting any payments or credits.\nThe \xe2\x80\x9cbeginning balance\xe2\x80\x9d for the first day of the billing cycle is generally the ending balance\nfor the prior billing cycle, including unpaid interest. For the rest of the billing cycle, the\nbeginning balance is the prior day\xe2\x80\x99s daily balance.\nThe addition of the prior day\xe2\x80\x99s interest to the daily balance calculation causes interest\nto compound daily. We may, at our discretion, round these amounts, subject to any\nrestrictions under applicable law.\nMINIMUM INTEREST CHARGE\nIf any interest charge is due, we will charge you at least the minimum interest charge\nshown on your Rates and Fees Table.\nHOW TO AVOID INTEREST CHARGES\nYou can avoid interest charges on purchases if you pay your entire balance by the payment\ndue date every month. You will not pay interest for an entire billing cycle (\xe2\x80\x9cinterest-free\nperiod\xe2\x80\x9d or \xe2\x80\x9cgrace period\xe2\x80\x9d) on new purchases and fees if you paid the entire balance by\nthe payment due date on your previous billing statement. The interest-free period or grace\nperiod is the time when you are not charged interest on new purchases and fees. We will\nnot charge you interest on any portion of a purchase balance you repay while that balance\nis subject to an interest-free period. The payment due date will be at least 21 days from the\nstatement date. To maintain the interest-free period, you must continue to pay your entire\nbalance every month.\n\n\x0cYou will lose your interest-free period if, at any time, you pay less than the entire balance\nshown on your billing statement. If you lose your interest-free period, the unpaid balance for\npurchases will be charged interest beginning on the transaction date and will continue to be\ncharged until payment in full is credited to your Account. The transaction date for purchases\nis the day you make the purchase as shown on your statement.\nOnce the interest-free period is lost, you may owe interest charges even if you pay the entire\nbalance stated on your most recent billing statement by the due date. This occurs because,\ninterest continues to accrue every day on the balance shown on your most recent statement\nuntil your payment in full is credited to your Account. The interest charged from the date of\nthe billing statement until the payment is credited to your Account will be included in your\nnext billing statement.\nThere is no interest-free period for cash advance or balance transfer transactions. You will\npay interest on cash advance and balance transfer transactions starting on the transaction\ndate until you pay the entire amount in full. The transaction date for balance transfers is the\nday you make the balance transfer as shown on a statement. The transaction date for cash\nadvances and related cash advance fees is the day you receive the cash advance.\nMILITARY LENDING ACT INFORMATION\nFederal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction\nor account: The costs associated with credit insurance premiums; fees for ancillary products\nsold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account). To hear the Military\nLending Act Information, call 866-999-6336.\nDefault\nYOU ARE IN DEFAULT IF ANY ONE OF THE FOLLOWING EVENTS HAPPEN\n\xe2\x80\xa2 you fail to make any payment when it is due;\n\xe2\x80\xa2 you have exceeded one or more of your credit limits;\n\xe2\x80\xa2 you provide us false, misleading, or fraudulent information;\n\xe2\x80\xa2 we become aware that you are using your Card for illegal or fraudulent purposes;\n\xe2\x80\xa2 you fail to comply with any term of this Agreement or other agreements with us or any of\nour affiliated banks;\n\xe2\x80\xa2 you are not paying your debts as they become due or you are bankrupt or insolvency\nproceedings are filed against you;\n\xe2\x80\xa2 a payment you made is rejected or cannot be processed;\n\xe2\x80\xa2 you die or are legally declared incompetent or incapacitated; or\n\xe2\x80\xa2 we otherwise reasonably believe that you may be unwilling or unable to pay your debts on\ntime.\nOUR RIGHTS IF YOU ARE IN DEFAULT\nWe may reduce your total credit limit and/or your cash credit limit, increase your minimum\npayment, close your Account or suspend or terminate credit privileges if you are in default.\nWe may, to the extent permitted by law, demand immediate payment of the total balance.\nPENALTY APR RATE FOR NEW TRANSACTIONS\nWe may apply the penalty APR rate to new transactions if you:\n\xe2\x80\xa2 Do not pay at least the minimum payment due by the payment due date;\n\xe2\x80\xa2 Make a payment that is returned;\n\xe2\x80\xa2 Go over your credit limit; or\n\n\x0c\xe2\x80\xa2 Do any of the above on another account that you have with us.\nPlease refer to your Rates and Fees Table to determine if a penalty APR rate applies to your\nAccount. If the penalty APR rate is triggered, we will provide notice to you as required by\napplicable law. This rate may apply indefinitely.\nPENALTY APR RATE FOR EXISTING BALANCES\nIf we do not receive your minimum payment due within 60 days of the due date we may\napply the penalty APR rate to all your existing balances and all future balances.\nPlease refer to your Rates and Fees Table to determine if a penalty APR rate applies to your\nAccount. If the penalty APR rate is triggered, we will provide notice to you as required by\napplicable law. If for 6 consecutive billing cycles following the cycle in which the penalty APR\nrate is imposed, you make all required minimum payments by their payment due dates, we\nwill reinstate your APR on purchases, balance transfers and cash advances.\nCOLLECTION COSTS\nIf you are in default, we may refer your Account for collection or take any other actions\npermitted by this Agreement or applicable law. If we do, you agree to pay the reasonable fees\nand expenses of our collection agency or other person collecting your Account, as permitted\nby law, including reasonable attorneys\xe2\x80\x99 fees and alternative dispute resolution costs.\nNEW HAMPSHIRE RESIDENTS: If you prevail in any action, suit or proceeding we bring or\nin an action you bring in connection with this Agreement, reasonable attorneys\xe2\x80\x99 fees shall\nbe awarded to you. If you successfully assert a pertinent defense, set off, recoupment or\ncounterclaim to an action brought by us, the court may withhold from us the entire amount\nor such portion of the attorneys\xe2\x80\x99 fees as the court deems appropriate.\nWEST VIRGINIA RESIDENTS: Reference to the payment of attorneys\xe2\x80\x99 fees and court costs in\nthe terms of this Agreement is void.\nAccount fees\nThe following fees may be assessed on your Account (these are considered Account fees).\nIf any fee in your Rates and Fees Table is marked none, the section of this Agreement that\nrelates to that fee does not apply. Unless we tell you otherwise, all Account fees are treated\nas purchases (except that transaction fees for a cash advance are treated as a cash advance).\nCARD REPLACEMENT FEE\nIf we replace a stolen, lost or damaged Card, we may charge your Account a Card\nreplacement fee of $10. We may charge additional fees for expedited or overseas delivery of\nyour replacement Card.\nCOPY FEE\nWe may charge your Account a copy fee of $5 for each page of photocopy of any sales slip\nor other record of your Account plus $30 per hour for the time it takes our employees or\nagents to make the copies, to the extent permitted by law.\nSTOP PAYMENT FEE\nWe may charge your Account a stop payment fee of $29 when you request that we stop\npayment of a check you have requested (including balance transfer checks and other\nchecks that access your Account). You may make a stop payment request by calling us\nor by writing to us. We will accept a stop payment request provided that we receive the\nstop payment notice in a reasonable time before we have accepted, paid in cash, made\nfinal payment on or otherwise become obligated to pay such check, except to the extent\notherwise required by applicable law. Stop payment requests will remain in effect for six\nmonths unless renewed in writing or by calling us before the expiration of the 6-month\nperiod.\n\n\x0cLATE PAYMENT FEE\nWe may charge your account a late payment fee if we do not receive your minimum\npayment by the payment due date. Your late payment fee is $29 for the first occurrence\nand up to $40 for additional occurrences during the next six billing cycles. In no event will\nyour late payment fee exceed the minimum payment.\nANNUAL MEMBERSHIP FEE\nPlease refer to your Rates and Fees Table to determine if an annual membership fee applies\nto your Account and, if applicable, the amount of the fee.\nBALANCE TRANSFER TRANSACTION FEE, CASH ADVANCE TRANSACTION FEE, FOREIGN\nTRANSACTION FEE\nPlease refer to your Rates and Fees Table (or if relevant, a special offer) to determine the\namount of this fee.\nClosing an account\nHOW TO CLOSE YOUR ACCOUNT\nYou may close your Account by calling us or writing to us. If there are multiple primary\ncardmembers on your Account, any one of you may close your Account at any time. We\nmay immediately close your Account after we receive such a request, without giving notice\nto other cardmembers on your Account. You agree that you will not hold us\nresponsible for any costs, damages or inconvenience you suffer as a result of the closing of\nyour Account by any cardmember on your Account.\nWHEN WE MAY CLOSE YOUR ACCOUNT\nEven if you are not in default, we may, at any time: (i) reduce your total credit limit and/ or\ncash advance limit; (ii) close your Account; (iii) cancel or suspend your privileges to make\nfurther purchases and balance transfers or obtain cash advances; or (iv) cancel or suspend\nany Account privileges or benefits. We can also reissue a different card to you at any time.\nWHAT YOU MUST DO WHEN YOUR ACCOUNT IS CLOSED\nWhen your Account is closed, you must contact anyone authorized to charge\ntransactions to your Account, such as internet service providers, health clubs or\ninsurance agencies. Those transactions may continue to be charged to your Account\nuntil you change the billing. Also, if we believe that you have authorized a transaction or\nare attempting to use your Account after you have requested to close the Account, we\nmay allow the transaction to be charged to your Account and you will be responsible for\npayment under the terms of this Agreement.\nWHAT HAPPENS WHEN YOUR ACCOUNT IS CLOSED\nIf you close your Account, or we close your Account, you may not make any further\npurchases and balance transfers or obtain cash advances. If you use your card after\nclosing your Account and we extend credit as a convenience to you, you remain\nresponsible for paying those charges. If we or you close your Account, we may, at our\noption, require you to pay the entire balance of your Account at once or permit you to pay\nthe balance in monthly payments as provided in this Agreement or otherwise, as we\ndetermine. Other Account fees, such as a late payment fee, will apply as applicable. If an\nannual membership fee applies and you close your Account after the annual membership\nfee is billed, we will remove the fee from your Account, provided your Account is closed\nwithin 30 days after we mailed your statement on which the fee was charged to your\nAccount. You may pay any balance due on your Account at any time.\nOther important information\nHOW TO CONTACT US\nUnless we tell you otherwise, you can contact us by phone: TOLL FREE 1-800-426-1114 or in\nwriting: Credit Card Services \xe2\x80\x93 Customer Service, P.O. Box 7092, Bridgeport, CT 06601. When\nwriting, please include your name, address, home phone number, and Account number.\nA telephone call will not preserve your rights under federal law.\n\n\x0cCHANGING YOUR BILLING ADDRESS\nWe will send statements and notices to your last known address. You promise to notify us\npromptly of any change in your address by following the notification method provided in\nthe How to Contact Us section. If you have more than one Account, you need to notify us\nseparately for each Account.\nMULTIPLE CARDMEMBERS\nIf there are two or more cardmembers obligated under this Agreement, we can send\nstatements and notices to any one. Any notice we mail to an address provided by any of\nyou for the Account will serve as notice to all of you. Each cardmember obligated under\nthis Agreement is jointly and severally liable for all amounts charged to the Account\nregardless of which cardmember incurred the charges to the Account.\nWE MAY CONTACT YOU\nYou authorize us (and our affiliates, agents and contractors) to contact you at any\nnumber you provide to us, from which you call us, or at which we believe we can reach\nyou, and that we may contact you for any reason, including regarding any request you\nmake for a loan or other product, to service or collect on every account you currently\nhave with us or may have with us in the future and regarding any other products or\nservices we are providing to you or which we provide to you in the future. You authorize us\nto contact you in any manner, including by means of automated dialing devices,\nprerecorded messages, wireless push notifications, or text messages, even if you are\ncharged for receiving the communication and even if you will receive the communication on\na mobile or wireless device. You agree that such calls are not unsolicited and that\nwe may monitor and/or record them. You also agree to receive emails from us to any\naddress where we reasonably believe that we may contact you.\nCREDIT INFORMATION\nYou agree that we will obtain credit reports about you, investigate your ability to pay, and\nobtain information about you from other sources including information to verify and reverify your employment and income. We will use such information for any purposes,\nsubject to applicable law.\nWe may report information about your Account to credit bureaus. Negative credit\ninformation, including late payments, missed payments, or other defaults on your\nAccount may be reflected in your credit report. We may report Account information in\nyour name and the names of authorized users. If you believe we have furnished\ninaccurate or incomplete information about you or your Account to a credit reporting\nagency, write to us at: Disputes, P.O. Box 7092, Bridgeport, CT 06601. Please include\nyour name, address, home phone number and Account number, and explain what you\nbelieve is inaccurate or incomplete with supporting information.\nINFORMATION SHARING\nYou authorize us to share information about you and your Account with affiliates and third\nparties, unless the law or our Privacy Notice prohibits us from doing so. Please see our\nPrivacy Notice for your choices about information sharing. This includes information we\nget from you and others. It also includes information about your transactions with us.\nACCOUNT UPDATER FOR THIRD-PARTY STORED INFORMATION,\nINCLUDING PREAUTHORIZED DEBIT (RECURRING PAYMENTS)\nIf you choose to store your account information with anythird parties, we mayalso share\nupdates to this information with these third parties. Please note this only applies to third parties\nwith whom you elect to share this information. If you elect to share Account information with\na third party, you are responsible for any transfer or payment that third party makes from\nyour Account, even if that third party exceeds your authorization, and for any other issues\nthat arise with respect to your Account and/or information contained in your Account, by\nvirtue of the fact that you shared your Account information.\n\n\x0cUNAUTHORIZED USE\nIf you notice the loss or theft of your Card or possible unauthorized use of your Card, you\nshould immediately call us TOLL FREE at 1-800-443-0164. You will not be liable for\nany unauthorized use that occurs after you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, if there is unauthorized\nuse of your Card, your liability will not exceed $50.\nIF YOUR ACCOUNT HAS A CREDIT BALANCE\nYou may request a refund of credit balances at any time by writing. If you don\xe2\x80\x99t request\na refund, we will apply credit balances to new transactions unless a refund is required\nby law. If you have a credit balance that is less than $1,000 or such other amount as\nwe may determine, you may be able to request a refund over the telephone.\nEVENTS BEYOND OUR CONTROL\nExcept as otherwise required by applicable law, we are not responsible and will incur no\nliability to you for any failure, error, malfunction or any delay in carrying out any of our\nobligations under this Agreement if any such failure, error, malfunction or delay results\nfrom causes beyond our reasonable control.\nNO LIABILITY FOR REFUSAL TO HONOR\nWe are not liable for any refusal to honor your Account. This can include a refusal to\nhonor your Card or Account or any check written on any transaction on your behalf. We\nare not liable for any retention of your Card by us, any other financial institution, or any\nprovider of goods or services.\nNO RESPONSIBILITY FOR UNAUTHORIZED ACCESS OR INQUIRIES\nWe are not responsible for unauthorized inquiries about your account or access to your\nAccount information. You agree that so long as we are in compliance with applicable law and\nregulation that we will not be responsible or liable for the release of information to anyone\nwho has gained access to your Account or Account information.\nGOVERNING LAW\nThis Agreement and use of your Account are governed by federal law. To the extent that\nfederal law does not govern, Connecticut law will apply, no matter where you live or use\nyour Account. We accept this Agreement in Connecticut. Decisions about granting credit\nto you are made in Connecticut and all credit extended under this Agreement is extended\nby us from Connecticut.\nSEPARATION OF INVALID PROVISIONS\nIf any part of this Agreement becomes invalid under applicable law, the remainder of\nthis Agreement will remain valid and in effect. If your Account is subject to a law setting\nmaximum loan rates, fees or charges which is finally interpreted so that the charges on\nyour Account would exceed permissible limits, then any such charge will be reduced\n(including retroactively) to permitted limits and any amount collected from you exceeding\nthose limits will be refunded to you.\nOUR RIGHT TO DELAY ENFORCEMENT\nWe can delay enforcing any of our rights under this Agreement without losing any of them.\nASSIGNMENT\nWe may, at any time and without notice to you, sell, assign or transfer your Account,\nany amount due in your Account, this Agreement or our rights and obligations under\nyour Account or this Agreement to any person or entity. The person or entity to whom\nwe make any such sale assignment or transfer is entitled to all of our rights and is\nsubject to all of your obligations under this Agreement, to the extent sold, assigned or\ntransferred.\nARBITRATION AGREEMENT\nIf you are a Covered Borrower, as defined by the Military Lending Act, the arbitration\nprovisions set forth in this section do not apply to you.\nThis section constitutes the Arbitration Agreement between you and us.\n\n\x0cREAD THIS SECTION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW\nLEGAL DISPUTES BETWEEN YOU AND US ARE RESOLVED. If you do not opt out, for a\ndispute subject to arbitration, there is a waiver of rights as discussed below.\nArbitration procedures are simpler and more limited than rules applicable in court.\nThe decision of the arbitrator is generally final and binding.\nYou have the right to cancel or opt out of this Arbitration Agreement as set forth below.\nSPECIAL DEFINITION OF \xe2\x80\x9cWE,\xe2\x80\x9d \xe2\x80\x9cUS\xe2\x80\x9d AND \xe2\x80\x9cOUR\xe2\x80\x9d\nSolely for purposes of this Arbitration Agreement, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour,\xe2\x80\x9d in\naddition to the meanings set forth in this Credit Card Agreement (the \xe2\x80\x9cCard Agreement\xe2\x80\x9d),\nalso refer\nto our employees, officers, directors, parents, controlling persons, subsidiaries,\naffiliates, successors and assigns.\nBINDING ARBITRATION\nIf you have a dispute with us, and we are not able to resolve the dispute informally,\nyou and we agree that upon demand by either you or us, the dispute will be resolved\nthrough the arbitration process as set forth in this part. A \xe2\x80\x9cclaim\xe2\x80\x9d or \xe2\x80\x9cdispute,\xe2\x80\x9d as used\nin this\nArbitration Agreement, is any unresolved disagreement between you and us, arising from\nor relating in any way to the Card Agreement (including any renewals, extensions,\naddendums or modifications), the credit relationship between us, or relating to any\nreward program, feature, or benefit. It includes any disagreement relating in any way to\nservices, accounts or any other matters; to your use of any of our banking facilities; or to\nany means you may use to access your account(s). Any claims or disputes arising from\nor relating to the advertising of our services, the application for, or the approval or\nestablishment of your Account are also included. Claims are subject to arbitration,\nregardless of what theory they are based\non, whether they seek legal or equitable remedies, or irrespective whether they are\ncommon law or statutory (federal or state) claims. Arbitration applies to any and all such\nclaims or disputes, whether they arose in the past, may currently exist, or may arise in the\nfuture.\nHowever, \xe2\x80\x9cclaim\xe2\x80\x9d or \xe2\x80\x9cdispute\xe2\x80\x9d as used in this Arbitration Agreement does not include\nany dispute or controversy about the validity, enforceability, coverage or scope of this\nArbitration Agreement or any part thereof (including, without limitation, the \xe2\x80\x9cClass\nAction\nand Class Arbitration Waiver\xe2\x80\x9d set forth below, subparts (1) and (2) of the \xe2\x80\x9cSeverability\nand Survival\xe2\x80\x9d part set forth below and/or this sentence); all such disputes or\ncontroversies are for a court and not an arbitrator to decide; but disputes about the\nvalidity or enforceability of this Account Agreement as a whole are for the arbitrator and\nnot a court to decide. ANY DISPUTE CONCERNING THE VALIDITY, ENFORCEABILITY,\nCOVERAGE OR SCOPE OF THIS ARBITRATION AGREEMENT SHALL BE RESOLVED IN\nA RHODE ISLAND STATE OR\nFEDERAL COURT OF LAW, AND THE PARTIES HEREBY SUBMIT TO THE JURISDICTION\nOF SUCH A COURT FOR SUCH PURPOSE.\nTRIAL WAIVER\nYOU AGREE THAT YOU AND WE ARE WAIVING THE RIGHT TO A JURY TRIAL AND\nTRIAL BEFORE A JUDGE IN A PUBLIC COURT upon demand by either party for arbitration.\nHowever, you and we retain the right to pursue in small claims court (or an equivalent state\ncourt) any dispute that is within that court\xe2\x80\x99s jurisdiction and advance only an individual\nclaim for relief. If either you or we fail to submit to binding arbitration of an arbitrable\ndispute following lawful demand, the party so failing shall bear all costs and expenses\nincurred by the other party in compelling arbitration.\n\n\x0cCLASS ACTION AND CLASS ARBITRATION WAIVER\nNEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE DISPUTES\nBY OR AGAINST OTHERS IN ANY COURT ACTION OR ARBITRATION, OR TO INCLUDE\nIN ANY COURT ACTION OR ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR\nMEMBER OF A CLASS, OR TO ACT IN ANY ARBITRATION IN THE INTEREST OF THE\nGENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY, UNLESS THOSE\nPERSONS ARE JOINT ACCOUNT BORROWERS OR BENEFICIARIES ON YOUR ACCOUNT.\nThis is so whether or not the claim has been assigned.\nARBITRATION PROCEDURES\nYou or we may submit a dispute to binding arbitration at any time, regardless of whether a\nlawsuit or other proceeding has been previously commenced.\nEach arbitration, including the selection of the arbitrator(s) shall be administered by the\nAmerican Arbitration Association (AAA), or JAMS according to such forum\xe2\x80\x99s rules and\nprocedures. You may obtain a copy of the arbitration rules for these forums, as well as\nadditional information about initiating arbitration by contacting these arbitration forums:\nAmerican Arbitration Association\n1-800-778-7879 (toll-free) | website: www.adr.org\nJAMS\n1-800-352-5267 (toll-free) | website: www.jamsadr.com\nIn the event that JAMS or the AAA is unable to handle the dispute for any reason, then\nthe matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the\nparties pursuant to the AAA rules of procedure; or, if the parties cannot agree, selected by\na court in accordance with the Federal Arbitration Act (Title 9 of the United States Code)\n(\xe2\x80\x9cFAA\xe2\x80\x9d). To the extent that there is any variance between the selected forum\xe2\x80\x99s rules and this\nArbitration Agreement, this Arbitration Agreement shall control.\nIf you initiate the arbitration, you must notify us in writing at Credit Card Services \xe2\x80\x93\nArbitration, P.O. Box 7092, Bridgeport, CT 06601. If we initiate the arbitration, we will notify\nyou in writing at your last known address in our file.\nThe arbitration shall take place in the federal judicial district in which you reside, unless the\nparties agree to a different location in writing. Arbitrators must be members of the state bar\nwhere the arbitration is held, with expertise in the substantive laws applicable to the subject\nmatter of the dispute. No arbitrator or other party to an arbitration proceeding may disclose\nthe existence, content or results thereof, except for disclosures of information by a party\nrequired in the ordinary course of its business or by applicable law or regulation.\nThe arbitrator will follow applicable substantive law to the extent consistent with the FAA.\nThe arbitrator will give effect to the applicable statutes of limitation and will dismiss barred\nclaims. In addition, you or we may submit a written request to the arbitrator to expand\nthe scope of discovery normally allowable. At the timely request of either you or us, the\narbitrator must provide a brief written explanation of the basis for the award. A judgment\non the award may be entered by any court having jurisdiction.\nYou and we agree that in our relationship arising from this Card Agreement:\n(1) the parties are participating in transactions involving interstate commerce; and\n(2) this Arbitration Agreement and any resulting arbitration are governed by the provisions\nof the FAA, and, to the extent any provision of that act is inapplicable or unenforceable, the\nlaws of the state that govern the relationship between you and us.\nNo arbitrator shall have authority to entertain any dispute on behalf of a person who is not\na named party, nor shall any arbitrator have authority to make any award for the benefit of,\nor against, any person who is not a named party.\n\n\x0cARBITRATION COSTS\nThe party initiating the arbitration (or appeal of the first arbitration award) shall pay the\ninitial filing fee. If you file the arbitration and an award is rendered in your favor, we will\nreimburse you for your filing fee. If there is a hearing, we will pay the fees and costs for\nthe first day of that hearing. All other fees and costs will be allocated in accordance with\nthe rules of the arbitration forum. However, we will advance or reimburse filing and other\nfees if the arbitrator rules that you cannot afford to pay them or finds other good cause\nfor requiring us to do so; or if you ask us in writing and we determine in good faith there\nis justifiable reason for doing so. Each party shall bear the expense of their respective\nattorneys, experts, and witnesses and other expenses, regardless of who prevails, but the\narbitrator will have the authority to award attorneys and expert witness fees and costs to\nthe extent permitted by either the Card Agreement, the forum\xe2\x80\x99s rules or applicable law.\nARBITRATION AWARD AND APPEAL\nThe arbitrator\xe2\x80\x99s award shall be final and binding on all parties, except for any right of appeal\nprovided by the FAA. However, any party can, within 30 days after the entry of the award\nby the arbitrator, appeal the award to a three-arbitrator panel administered by the forum.\nThe panel shall reconsider anew all factual and legal issues, following the same rules of\nprocedure and decide by majority vote. Reference in this Arbitration Agreement to \xe2\x80\x9cthe\narbitrator\xe2\x80\x9d shall mean the panel if an appeal of the arbitrator\xe2\x80\x99s decision has been taken.\nThe costs of such an appeal will be borne in accordance with the above paragraph entitled\n\xe2\x80\x9cArbitration Costs.\xe2\x80\x9d Any final decision of the appeal panel is subject to judicial review only\nas provided under the FAA.\nSEVERABILITY AND SURVIVAL\nIf any part of this Arbitration Agreement is deemed or found to be unenforceable for any\nreason, the remainder shall be enforceable, except that:\n1. The parties acknowledge that the Class Action and Class Arbitration Waiver is material\nand essential to the arbitration of any disputes between them and is non-severable\nfrom this Arbitration Agreement. If the Class Action and Class Arbitration Waiver is\nlimited, voided or found unenforceable, then this Arbitration Agreement (except for this\nsentence) shall be null and void with respect to such proceeding, subject to the right\nto appeal the limitation or invalidation of the Class Action and Class Arbitration Waiver.\nThe parties acknowledge and agree that under no circumstances will a class action be\narbitrated; and\n2. if a claim is brought under California law seeking public injunctive relief and a court\ndetermines that the restrictions in the Class Action and Class Arbitration Waiver or\nelsewhere in this Arbitration Agreement prohibiting the arbitrator from awarding\nrelief on behalf of third parties are unenforceable with respect to such claim (and that\ndetermination becomes final after all appeals have been exhausted), the claim for public\ninjunctive relief will be determined in court and any individual claims seeking monetary\nrelief will be arbitrated. In such a case the parties will request that the court stay the\nclaim for public injunctive relief until the arbitration award pertaining to individual\nrelief has been entered in court. In no event will a claim for public injunctive relief be\narbitrated.\nThis Arbitration Agreement shall survive the closing of your Account and the termination or\nmodification of any relationship between us.\nNOTICE AND CURE\nPrior to initiating an arbitration, you may give us a written Claim Notice describing the\nbasis of your claim and the amount you would accept in resolution of the Claim, and a\nreasonable opportunity, not less than thirty (30) days, to resolve the claim. Such a Claim\nNotice must be sent to us by certified mail, return receipt requested, at Credit Card\nServices \xe2\x80\x93 Arbitration,\nP.O. Box 7092, Bridgeport, CT 06601. This is the sole and only method by which you can\nsubmit a Claim Notice. You should address all claims you have in a single Claim Notice\nand/ or a single arbitration.\n\n\x0cCOLLECTION COSTS\nExcept where prohibited by law, if we take court action or commence an arbitration\nproceeding against you for collection after you default, or if you elect arbitration of a\ncollection action we have brought against you in court, you will also be liable for court or\narbitration costs, other charges or fees, and reasonable attorneys\xe2\x80\x99 fees, should we prevail in\nsuch court action or arbitration.\nRIGHTS PRESERVED\nThis Arbitration Agreement does not prohibit you or us from exercising any lawful rights\nor using other available remedies to preserve, or obtain possession of property;\nexercise self-help remedies, including setoff rights; or obtain provisional or ancillary\nremedies such as injunctive relief, attachment, garnishment or the appointment of a\nreceiver by a court of competent jurisdiction.\nRIGHT TO CANCEL OR OPT OUT OF THIS ARBITRATION AGREEMENT\nYou may opt out of this Arbitration Agreement to resolve any claim or dispute by\narbitration. To opt out of this Arbitration Agreement, you must send us written notice of\nyour decision within forty-five (45) days of the opening of your Account or of receiving\nthe Arbitration Agreement for the first time. Such notice must clearly state that you wish\nto cancel or opt out of the Arbitration Agreement section of this Card Agreement. It\nshould include your name, address, Account name, Account number and your signature\nand must be mailed to Credit Card Services \xe2\x80\x93 Arbitration, P.O. Box 7092, Bridgeport, CT\n06601. This is the sole and only method by which you can opt out of this Arbitration\nAgreement. Your exercise of the right to opt-out will not affect any remaining terms of this\nCard Agreement and will not result in any adverse consequence to you or your Account.\nYou agree that our business records will be final and conclusive evidence with respect to\nwhether you cancelled or opted out of this Arbitration Agreement in a timely and proper\nfashion.\nYour billing rights \xe2\x80\x93 keep this document for future use\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling 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 Credit Card Services\n\xe2\x80\x93 Disputes, P.O. Box 7092, Bridgeport, CT 06601-3211.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYOU MUST CONTACT US:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled. If you want to\nstop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion.\nWhat will happen after we receive your letter\nWHEN WE RECEIVE YOUR LETTER, WE MUST DO TWO THINGS:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter.\nWe will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to\nyou why we believe the bill is correct.\n\n\x0cWHILE WE INVESTIGATE WHETHER OR NOT THERE HAS BEEN AN ERROR:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe 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\nTWO THINGS WILL HAPPEN\nIf we made a mistake: You will not have to pay the amount in question or any interest\nor other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and\nthe date payment is due. We may then report you as delinquent if you do not pay the amount\nwe think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report\nyou as delinquent without also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between us. If we do not\nfollow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH\nYOUR CREDIT CARD PURCHASES:\nIf you are dissatisfied with the goods or services that you have purchased with your\ncredit card and you have tried in good faith to correct the problem with the merchant,\nyou may have the right to not pay the remaining amount due on the purchase.\nTO USE THIS RIGHT, ALL OF THE FOLLOWING MUST BE TRUE:\n1. The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact\nus in writing at: Credit Card Services \xe2\x80\x93 Disputes, P.O. Box 7092, Bridgeport, CT 066013211.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you of our decision. At that point, if we think\nyou owe an amount and you do not pay, we may report you as delinquent.\n\xc2\xa9 Citizens Bank, N.A. 2020\n1353703_CD20_MasterAgreementUpdatesSafeHarbor\n\nRev 1/21\nCHA 1/21\n\n\x0cRates and Fees Table\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for Purchases\n\n13.99% to 23.99%. This APR will be based on your creditworthiness and\nwill vary with the market based on the Prime Rate.*\nIntroductory APRs with varying durations may be available on some accounts.\n\nAPR for Balance\nTransfers\n\n13.99% to 23.99%. This APR will be based on your creditworthiness and will\nvary with the market based on the Prime Rate.*\nIntroductory APRs with varying durations may be available on some accounts.\n\nAPR for Cash Advances\n\n24.99%.\nThis APR will vary with the market based on the Prime Rate.*\n\nPenalty APR and When\nIt Applies\n\nNONE\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge\nyou interest on Purchases if you pay your entire balance by the due date of each\nmonth. You will pay interest on Cash Advances, Balance Transfers and Convenience\nChecks from the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, charge will be no less than $1.50\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nAnnual Fee\n\nNONE\n\nTransaction Fees\n- Balance Transfer\n\nEither $10 or 4% of the amount of each transfer, whichever is greater.\n\n- Cash Advance\n\nFees\n\nCash Loans, ATM Loans, and Convenience Check Loans: Either $10 or up to 3%\nof the amount of each advance, whichever is greater.\nCash Equivalent Transactions: Either $20 or 5% of the amount of each advance,\nwhichever is greater\n\n- Foreign Transaction\nPenalty Fees\n- Late Payment\n- Returned Payment\n- Over- the-Credit Limit\n\nNONE\n\nUp to $40\nNONE\nNONE\n\nHow we will Calculate your Balance: We will use the method called "average daily balances (including new\npurchases)." See Cardholder Agreement for more details.\nLoss of Introductory APR: We may end your Introductory APR and apply the Purchase APR if you make a late\npayment.\n\n\x0c*How We Will Calculate Your Variable Rates: Your variable rates may change when the Prime Rate changes. Your APR\nfor Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the\nindex to a margin of 10.74-20.74 percentage points. The APR for Cash Advances may vary monthly and will be reset on\nthe first date of each billing cycle by adding the index to a margin of 21.74 percentage points. The index is determined\nmonthly and it is the Prime Rate published in the northeastern edition of The Wall Street Journal in its Money Rates table\non the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the\npreceding month is not a business day, we will use the Prime Rate published on the next business day.\nThe information about costs of the card described in this application is accurate as of January 28, 2021. This\ninformation may have changed after that date. To find out what may have changed, call us toll free at 1-800-426-1114\nor write to us at Credit Card Services, P.O. Box 7092, Bridgeport, Connecticut 06601-7092.\n\n\x0cCITIZENS BANK CASH BACK PLUS\nWORLD MASTERCARD\xc2\xae REWARD GUIDE PROGRAM TERMS AND CONDITIONS\nF03-Y012-2\nThis Reward Guide governs the Cash Back Plus World MasterCard\xc2\xae Rewards\nProgram (the \xe2\x80\x9cProgram\xe2\x80\x9d). By using the Cash Back Plus credit card (the \xe2\x80\x9cCard\xe2\x80\x9d),\nyou agree to the terms and conditions governing the Program. The Program\nallows you to receive Cash Back Plus Reward Points (\xe2\x80\x9cReward Points\xe2\x80\x9d). Your\ncontinued participation in the Program is also governed by the terms and\nconditions of your Cardholder Agreement. Cardholder Agreement refers to the\nagreement governing the terms of your Card account. Please review this\ndocument and keep it for your reference, along with your Cardholder Agreement.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean the person(s) who applied for the Card. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d\nand \xe2\x80\x9cCitizens Bank\xe2\x80\x9d mean Citizens Bank, N.A. and any of its affiliates.\n\nReward Points at a Glance\nEarn Rewards: Earn 1.8% base Reward Points for every dollar you spend on\neligible net purchases with no limits and no categories, as long as your account is\nin good standing. A Card account is in good standing if your Card is open and has\ncharging privileges.\nRedeem: Redeem Reward Points in increments of 25 for$25 in cash back. You\ncan redeem your Reward Points online or by telephone either as a direct deposit\ninto a Citizens Bank personal checking, savings, or money market account or as a\ncredit to your Cash Back Plus credit card statement (\xe2\x80\x9cCredit Card Statement Credit\xe2\x80\x9d).\nExpiration: No expiration as long as your Card account is in good standing\nand you make an eligible Purchase once every 12 months. If you do not make at\nleast one purchase once every 12 months, Reward Points will be forfeited.\nLOOK INSIDE TO LEARN MORE ABOUT:\nEarning Rewards ........................................................................................... 2\nBonus Rewards .............................................................................................. 3\nRedeeming Rewards ..................................................................................... 4\nExpiration, Suspension, or Forfeiture of Rewards .......................................... 5\nChanges to or Cancellation of the Program .................................................... 5\nAdditional Information .................................................................................... 5\n\n1\n\n\x0cEarning Rewards\nHOW TO EARN REWARD POINTS:\n\xe2\x80\xa2 You will earn Reward Points of 1.8% for every dollar you spend on all eligible net\npurchases charged to the Card. A net purchase is the amount of a purchase\nless any credits, returns and adjustments (\xe2\x80\x9cPurchase\xe2\x80\x9d).\n\xe2\x80\xa2 A Purchase includes the total amount of each sale including sales tax and gratuities.\n\xe2\x80\xa2 Purchases resulting in fractions will be rounded up to the nearest whole cent if\ngreater than 0.005 and rounded down if equal to or less than 0.005.\n\xe2\x80\xa2 You will begin earning Reward Points on the date we mail the Card and the\nCardholder Agreement to you. If you are an existing creditcard customer and\nyou are converted to the Program, you will begin earning Reward Points once\nthe request is processed.\n\xe2\x80\xa2 If you previously had a credit card account with us, which was converted to\nthe Program, existing purchase balances which are transferred to this account\nare not eligible for the Program. Only Purchases made with your Card are eligible\nfor this reward Program.\n\xe2\x80\xa2 Your Card account must be in good standing n\ni order to earn RewardPoints.\nAn account is in good standing if your Card is open and has charging privileges.\n\xe2\x80\xa2 From time to time, special promotions may feature bonus Reward Points,\ndetails will accompany the offer. Additional restrictions may apply.\nWHAT IS AN ELIGIBLE PURCHASE:\n\xe2\x80\xa2 An eligible Purchase is any lawful purchase to buy or lease goods or\nservices except as limited below:\n\xe2\x80\xa2 Balance transfers and cash advances, including convenience checks and\ntravelers\xe2\x80\x99 checks, money orders and other cash equivalents.\n\xe2\x80\xa2 Account fees or charges, returned check charges, interest charges, or\nfees related to plans offered by us such as life insurance or payment protection\nplans.\n\xe2\x80\xa2 Fraudulent purchases or unauthorized charges to your account.\n\xe2\x80\xa2 Wire transfers fees.\n\xe2\x80\xa2 Lottery tickets or gambling charges.\n\xe2\x80\xa2 We are not responsible for any mistakes made by a merchant regarding a purchase.\nFor example, if a merchant incorrectly identifies the purchase as a\ngambling purchase, we do not have to provide Reward Points for that\npurchase.\n\xe2\x80\xa2 Only eligible Purchases qualify for Reward Points.\n\n2\n\n\x0cRedeeming Rewards\nWHEN CAN YOU REDEEM YOUR REWARD POINTS:\n\xe2\x80\xa2 Reward Points can only be redeemed if your account is in good standing. You\ncan redeem Reward Points in increments of 25 for $25 in cash back. You can\nredeem as a direct deposit in to your Citizens Bank personal checking,\nsavings, or money market account or as a Credit Card Statement Credit.\n\xe2\x80\xa2 You can visit our website at www.citizensbank.com/creditcard or refer to\nyour monthly credit card statement to see how many Reward Points you\xe2\x80\x99ve\nearned.\nHOW YOU CAN REDEEM YOUR REWARD POINTS:\n\xe2\x80\xa2 You may redeem your Reward Points by submitting a request online at\nwww.citizensbank.com/creditcard or contacting a customer service representative\nby telephone at 1-800-684-2222.\nWHAT ARE THE REDEMPTION METHODS:\nREDEMPTION THROUGH ELECTRONIC DEPOSIT INTO YOUR\nCITIZENS BANK DEPOSIT ACCOUNT:\n\xe2\x80\xa2 Reward Points can be redeemed as a direct deposit into your Citizens Bank\npersonal checking, savings or money market account. You must be an owner on\nthe account and the account must be in good standing and able to accept\ndeposits. Reward Points may not be deposited into passbook and club\nsavings, certificate of deposits or IRA accounts.\n\xe2\x80\xa2 If an electronic transfer is rejected, the reward redemption will automatically\nbe credited back to your rewards account.\nREDEMPTION THROUGH CREDIT CARD STATEMENT CREDIT:\n\xe2\x80\xa2 Reward Points can be redeemed as a Credit Card Statement Credit to the Card that\nearned the Reward Points.\n\xe2\x80\xa2 Reward Point redemptions may reduce your account balance but cannot be applied\ntoward any minimum payments. You are still responsible for paying your minimum\nmonthly payment.\n\xe2\x80\xa2 If your Card is closed upon your request or by us before the Credit Card\nStatement Credit posts to your account, all Reward Points are forfeited (except if\nyour Card has been reported as lost or stolen, subject to verification).\nWHAT YOU NEED TO KNOW ABOUT REDEMPTION:\n\xe2\x80\xa2 Reward Points are deducted on the date you request redemption.\nRedemptions, however, may not be applied to your deposit account or credit card\naccount for up to 10 business days.\n\xe2\x80\xa2 Returned purchases, reversed transactions, refunds, credits or charge\nbacks will reduce your Reward Points by the number of Reward Points you\npreviously received for the Purchase. You may incur a negative Reward Points\nbalance. We may offset a negative balance with future Reward Points.\n\n3\n\n\x0c\xe2\x80\xa2 Only the primary cardholder may request to redeem Reward Points. Authorized\nusers on the account may not request to redeem Reward Points.\n\xe2\x80\xa2 Reward Points must be redeemed by an individual. Corporations, partnerships or\nentities may not redeem Reward Points.\n\xe2\x80\xa2 All Reward Points redemptions are final.\n\nExpiration, Suspension or Forfeiture of Reward\nPoints\n\xe2\x80\xa2 There is no expiration date on your Reward Points as long as your account is\nin good standing and you make at least one eligible Purchase once every\n12 months. If you do not make at least one purchase once every 12\nmonths, Reward Points will be forfeited.\n\xe2\x80\xa2 If your Card account is reinstated to good standing before the account is closed,\nyou will again be eligible to redeem Rewards Points.\n\xe2\x80\xa2 If you voluntarily close the Card or we close the Card (for any reason permitted\nby the Cardholder Agreement), all Reward Points are immediately and irrevocably\nforfeited.\n\nChanges to or Cancellation of the Program\n\xe2\x80\xa2 We reserve the right to add, amend or change any of the terms, conditions or\nrestrictions of the Program at any time without prior notice.\n\xe2\x80\xa2 The Program may be discontinued at any time, but Reward Points awarded\nbefore the Program is discontinued will be honored for 90 days after notice of\ncancellation of the Program is given. If there are any remaining Reward Points\nwhich are not redeemed within the 90 days after the notice of cancellation,\nthey will be forfeited.\n\xe2\x80\xa2 We may choose to discontinue your participation in the Program if we find that\nyou or someone else used your Card account in a way that violates the\nReward Guide or the terms and conditions of your Cardholder Agreement.\n\xe2\x80\xa2 The Program is not scheduled to end on a predetermined date.\n\nOther Important Information\n\xe2\x80\xa2 You have no property rights or other legal or equitable interest in Reward\nPoints earned as part of the Program. Reward Points have no cash value\nuntil they are redeemed. Unless specifically authorized by us, Reward Points\nmay not be sold, traded, assigned, transferred, or pledged under any\ncircumstances.\n\xe2\x80\xa2 Your exclusive remedy for earned but uncredited Reward Points shall be the\nissuance of the uncredited Reward Points, if available, or such other comparable\nbenefit as determined by us. If, however, your Card account is closed, then\nsuch Reward Points or other comparable benefit shall be forfeited.\n\n4\n\n\x0c\xe2\x80\xa2 We reserve the right to correct misstated Reward Points represented on\nstatements or the website at our sole discretion.\n\xe2\x80\xa2 Reward Points may be deducted from your Card account should those Reward\nPoints be the product of a fraudulent or unauthorized transaction.\n\xe2\x80\xa2 All Reward Points are subject to verification and confirmation by us. All\ndecisions regarding rewards disputes shall be final.\n\xe2\x80\xa2 Discrepancies about Reward Points are not treated as credit card billing disputes.\n\xe2\x80\xa2 It is your responsibility to notify us of any change in mailing address and email\naddress as soon as possible.\n\xe2\x80\xa2 If you voluntarily close your Card account, or we close your Card account, all\nunused Reward Points are immediately and irrevocably forfeited.\n\xe2\x80\xa2 Unless specifically authorized by us, Reward Points may not be combined with\nother discounts, special rates, promotions or other reward programs offered\nby us.\n\xe2\x80\xa2 All Reward Points are non-negotiable and cannot be redeemed for any benefit\nexcept those designated by us.\n\xe2\x80\xa2 Your Card is separate and distinct from any other Citizens Bank accounts you\nmay have with us or our affiliates.\n\xe2\x80\xa2 You agree to release Citizens Bank, N.A., and any of its affiliates from all\nliability, including:\n\xe2\x80\xa2 Any loss, claim, expense or damages you experience in connection with\nthe Program.\n\xe2\x80\xa2 Any claims, expenses and legal fees arising from or related to any\nviolation of the Program by you or anyone using your Card account.\n\xe2\x80\xa2 Any typographical errors or omissions in any Program-related document.\n\xe2\x80\xa2 Delayed or lost correspondence sent by U.S. mail or any other form of\ndelivery, including email.\n\xe2\x80\xa2 Any error, omission, interruption, deletion, defect, delay in operation or\ntransmission, theft, destruction or unauthorized accesso, or alteration\nof Reward Points accrued and redeemed or other Program activities.\n\xe2\x80\xa2 We may assign our rights and obligations under this agreement to a third party,\nwho will then be entitled to any of our rights that we assign to them.\n\xe2\x80\xa2 The Reward Guide and use of your Card account are governed by federal law. To\nthe extent that federal law does not govern, Connecticut law will apply, no\nmatter where you live or use your Card account.\n\n5\n\n\x0c\xe2\x80\xa2 Reward Points may constitute taxable income. You may be issued an Internal\nRevenue Service Form 1099 (or other appropriate form) that reflects the value\nof earned Reward Points, or some portion there of (or any other part\nof the Program). Please consult your tax advisor. You are responsible for\nany tax liability that may arise from redeeming Reward Points. Citizens\nBank, N.A. does not provide tax advice.\n\xe2\x80\xa2 Any and all disputes that arise under or related to the Program will be resolved\nthrough arbitration as specifically set forth in your Cardholder Agreement.\n\xe2\x80\xa2 All Reward Points are subject to verification and confirmation by\nus. All decisions regarding rewards disputes shall be final.\n\xe2\x80\xa2 Discrepancies about Reward Points are not treated as credit card billing\nerror disputes.\n\nCredit cards are issued by Citizens Bank, N.A.\nCopyright 2019 Citizens Financial Group, Inc. All rights reserved. Citizens Bank is a\nbrand name of Citizens Bank, N.A.\nCS#887957_CDAD2108J_CshBckPlusGuide\n\nF03-Y012-2\nRev6/19\n\n6\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA ADVANTAGE/ADVANTAGE REBATE/ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n13.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n13.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n13.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-3-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 13.90% which is a daily periodic rate of 0.0381% .\nThe Balance Transfer APR is 13.90% which is a daily periodic rate of 0.0381% .\nThe Cash Advance APR is 13.90% which is a daily periodic rate of 0.0381% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 10.65% above the Index.\nBalance Transfers will be charged at 10.65% above the Index.\nCash Advances will be charged at 10.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-3-031820 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA ADVANTAGE/ADVANTAGE REBATE/ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n17.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n17.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n17.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-5-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 17.90% which is a daily periodic rate of 0.0490% .\nThe Balance Transfer APR is 17.90% which is a daily periodic rate of 0.0490% .\nThe Cash Advance APR is 17.90% which is a daily periodic rate of 0.0490% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 14.65% above the Index.\nBalance Transfers will be charged at 14.65% above the Index.\nCash Advances will be charged at 14.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-5-031820 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA ADVANTAGE/ADVANTAGE REBATE/ADVANTAGE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n19.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n19.90%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n19.90%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Currency Conversion Fee\n- International Service Assessment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $39.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)." See Your Account Agreement for more details.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 359-1939 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-6-031820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less, if You are 6 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $39.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$20.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$15.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$30.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee/Overnight Delivery Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 19.90% which is a daily periodic rate of 0.0545% .\nThe Balance Transfer APR is 19.90% which is a daily periodic rate of 0.0545% .\nThe Cash Advance APR is 19.90% which is a daily periodic rate of 0.0545% .\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on\nthe last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday,\nto which We add a margin. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of\nthe interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off\nYour balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 16.65% above the Index.\nBalance Transfers will be charged at 16.65% above the Index.\nCash Advances will be charged at 16.65% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01212392-MXC20-C-6-031820 (MXC201-E)\n\n\x0c'